Smart payment system based on campus card

Abstract

The invention provides an intelligent payment system based on a campus all-purpose card, and relates to the technical field of campus payment, and the system comprises a card swiping obtaining unit which collects the card swiping information of the all-purpose card, and obtains the corresponding service item information; and the consumption judgment unit is used for calling previous consumption records of the all-purpose card according to the service item information and inquiring and judging whether the service item information exists in the previous consumption records or not, if the service item information exists in the previous consumption records, card swiping consumption is controlled to be executed, and if the service item information does not exist in the previous consumption records, card swiping consumption is controlled to be paused. According to the invention, whether the card swiping trusted consumption continues to be completed or not can be determined according to whether the corresponding card swiping service is used or not, and the consumption service rule of the corresponding card swiping machine is sent to the bound mobile terminal equipment for checking, so that blind consumption and excessive consumption are avoided.

Description

Technical Field

[0001] This invention relates to the field of campus payment technology, and in particular to a smart payment system based on a campus card. Background Technology

[0002] The campus card system is an application solution that integrates smart card IoT technology and the digital concept of computer networks into campus management, providing unified identity authentication, personnel, student affairs, and other MIS (Management Information System) applications. Through a common identity authentication mechanism, it achieves integrated and shared data management, making the campus card system an integral part of campus informatization. This organic integration avoids redundant investment, accelerates construction progress, and lays the foundation for resource sharing between systems.

[0003] Because campus cards lack onboard displays, users are often unaware of the billing details when using them at card readers. This can lead to uninformed spending and situations where cardholders are deceived or overcharged. Summary of the Invention

[0004] In view of the shortcomings of the prior art described above, the purpose of this invention is to provide a smart payment system based on campus card, which solves the problem that the campus card cannot accurately understand the specific consumption situation at the place of card use, thus leading to problems such as random consumption, excessive consumption, and cardholders being easily deceived.

[0005] To achieve the above and other related objectives, this invention provides a smart payment system based on a campus card, comprising: a card acquisition unit, which collects card swiping information from the campus card and obtains corresponding service item information; a consumption judgment unit, which retrieves past consumption records of the campus card based on the service item information and checks whether the service item information exists in the past consumption records; if it exists, it controls the execution of card swiping consumption; if it does not exist, it controls the suspension of card swiping consumption; a rule export unit, which retrieves all consumption service rules of the service item information based on the non-existent control signal and sends them to the mobile terminal device bound to the campus card; and a feedback execution unit, which obtains feedback signals from the mobile terminal device and controls whether the card swiping consumption of the campus card continues.

[0006] In one embodiment of the present invention, the card swiping acquisition unit includes: a signal acquisition module, which acquires card swiping information when the card reader for the corresponding service is swiped by the all-in-one card; and an information query module, which acquires the permissions of the card reader for the corresponding service based on the card swiping information, and queries the service item information corresponding to the service of the card reader.

[0007] In one embodiment of the present invention, the card swiping acquisition unit further includes a card swiping binding module, which binds the personal information of the all-in-one card to a designated mobile terminal device before the all-in-one card is swiped.

[0008] In one embodiment of the present invention, the service item information includes one or more of the following: item name information, service unit information, general fee information, additional chargeable item information, hourly billing information, and per-use billing information.

[0009] In one embodiment of the present invention, the consumption judgment unit includes: a consumption query module, which controls the query to retrieve all the previous consumption records of the all-in-one card within a preset period; an information comparison module, which controls the search to see if there is information corresponding to the service item information in the previous consumption records; and a card swiping control module, which controls whether to continue to execute the card swiping consumption service based on the comparison result.

[0010] In one embodiment of the present invention, the card swiping control module includes: a continue execution module, which collects a control signal from the information comparison module indicating the existence of the service item information and controls the continued execution of card swiping consumption; and a pause execution module, which collects a control signal from the information comparison module indicating the absence of the service item information and controls the pause execution of card swiping consumption.

[0011] In one embodiment of the present invention, the rule export unit includes: a rule query module, which controls the search for all consumption service rules provided in the service item information corresponding to the card reader swiped by the all-in-one card; and a rule sending module, which controls the sending of all the consumption service rules to the mobile terminal device bound to the all-in-one card.

[0012] In one embodiment of the present invention, the rule sending module includes: a consumption extraction module, which controls the extraction of other recent card swipe records of the all-in-one card from the card reader; and a record sending module, which controls the sending of the swipe records to the mobile terminal device.

[0013] In one embodiment of the present invention, the feedback execution unit includes: a feedback signal acquisition module, which controls the acquisition of feedback signals emitted by the mobile terminal device; and a consumption execution module, which controls whether to continue the card swiping consumption based on the feedback signals.

[0014] In one embodiment of the present invention, the consumption execution module includes: a continue execution adjustment module, which, after selecting to continue consumption, provides feedback to the mobile device to select and trust the corresponding service; and a stop execution adjustment module, which records the information after the card swipe is stopped to indicate that the corresponding service has been stopped, and controls an alarm in the background when the number of records reaches a preset value.

[0015] As described above, the smart payment system based on a campus card system of the present invention has the following beneficial effects: When the card reader used for the service receives a swipe signal from the corresponding campus card, the system automatically retrieves the service items information of the card reader. It also further retrieves the campus card's past transaction records to determine if the service item exists in those records. If it does, it indicates that the cardholder understands the relevant service consumption rules and can directly make the transaction. If the service item does not exist in the past transaction rules, the transaction service will be suspended. The service consumption rules corresponding to the card reader are then sent to the mobile device linked to the campus card for review to determine if the rules are compliant. If compliant, the card swipe transaction continues; if non-compliant, the transaction is stopped. This effectively prevents cardholders from making blind or excessive purchases due to a lack of understanding of the specific service items. Attached Figure Description

[0016] Figure 1 This is an architecture diagram of the all-in-one card system of the present invention.

[0017] Figure 2 This is an architectural diagram of the card swiping acquisition unit of the present invention.

[0018] Figure 3 This is an architectural diagram of the consumption judgment unit of the present invention.

[0019] Figure 4 This is an architecture diagram of the rule-deriving unit of this invention.

[0020] Figure 5 This is an architecture diagram of the feedback execution unit of the present invention. Detailed Implementation

[0021] The following specific examples illustrate the implementation of the present invention. Those skilled in the art can easily understand other advantages and effects of the present invention from the content disclosed in this specification. The present invention can also be implemented or applied through other different specific embodiments, and various details in this specification can also be modified or changed based on different viewpoints and applications without departing from the spirit of the present invention. It should be noted that, unless otherwise specified, the following embodiments and features can be combined with each other. It should also be understood that the terminology used in the embodiments of the present invention is for describing specific implementation schemes and not for limiting the scope of protection of the present invention. Test methods in the following embodiments that do not specify specific conditions are generally performed under conventional conditions or according to the conditions recommended by the respective manufacturers.

[0022] Please see Figures 1 to 5 It should be understood that the structures, proportions, sizes, etc., illustrated in the accompanying drawings are merely for illustrative purposes to aid those skilled in the art and to facilitate understanding. They are not intended to limit the scope of the invention and therefore have no substantial technical significance. Any modifications to the structure, changes in proportions, or adjustments to size, without affecting the effectiveness or purpose of the invention, should still fall within the scope of the technical content disclosed herein. Furthermore, the terms "upper," "lower," "left," "right," "middle," and "one" used in this specification are merely for clarity and not intended to limit the scope of the invention. Changes or adjustments to their relative relationships, without substantially altering the technical content, should also be considered within the scope of the invention.

[0023] Please see Figure 1 This invention provides a smart payment system based on a campus card, comprising: a card acquisition unit, which collects card swiping information from the campus card and obtains corresponding service item information; a consumption judgment unit, which retrieves past consumption records of the campus card based on the service item information and checks whether the service item information exists in the past consumption records; if it exists, it controls the execution of card swiping consumption; if it does not exist, it controls the suspension of card swiping consumption; a rule export unit, which retrieves all consumption service rules of the service item information based on the non-existent control signal and sends them to the mobile terminal device bound to the campus card; and a feedback execution unit, which obtains feedback signals from the mobile terminal device and controls whether the card swiping consumption of the campus card continues.

[0024] As can be seen from the above, during the campus card swiping process, the card acquisition unit collects the cardholder's card swiping information when the cardholder swipes at the corresponding card reader, and retrieves the service information corresponding to that card reader based on the card reader's information. The consumption judgment unit queries all past consumption records in the campus card based on the service information of the corresponding card reader. This determines whether the service information exists in the past consumption records. If it exists, it means the cardholder is aware of the relevant service information, and can directly control the card swiping service. If it does not exist, it indicates that the cardholder may not be aware of the service fees for the relevant service information. Therefore, all consumption service rules in the card reader's service information can be retrieved and sent to the corresponding mobile device. After receiving all consumption service rules for the currently used service, the mobile device confirms whether all service fees are required. If required, it can choose to trust, and the card swiping consumption continues. If not required, it can choose not to trust, and the campus card's card swiping service will be stopped. This means that by receiving trust or distrust signals from mobile devices through a feedback execution unit, the system can further control whether the card-swiping transaction is executed on the card reader. The mobile device can be owned by the student or by a parent to monitor the student's spending at school.

[0025] like Figure 2 As shown, the card swiping acquisition unit includes: a signal acquisition module, which acquires the card swiping information when the card reader for the corresponding service is swiped by the all-in-one card; and an information query module, which acquires the permissions of the card reader for the corresponding service based on the card swiping information, and queries the service item information corresponding to the service of the card reader.

[0026] In one embodiment of the present invention, when acquiring a card swiping signal, the card swiping acquisition unit obtains the card swiping signal of the all-in-one card being swiped to the designated card reader through a signal acquisition module. An information query module is used to obtain the corresponding card reader's read permission based on the card swiping information, and then read the service item information corresponding to the card reader, so as to confirm whether this service item information exists in the all-in-one card's past consumption records.

[0027] Furthermore, the card swiping acquisition unit also includes a card swiping binding module, which binds the personal information of the all-in-one card to a designated mobile device before the all-in-one card is swiped.

[0028] In one embodiment of the present invention, when a card swipe signal is received, a card binding module is used to bind the all-in-one card information to a designated student's or parent's mobile device before the card is swiped. Therefore, when a card swipe transaction with uncertain service information occurs, the corresponding consumption rules are sent to the bound student's or parent's mobile device. The student can then view the corresponding consumption rules on the mobile device and determine whether to proceed with the transaction.

[0029] Preferably, the service item information includes one or more of the following: item name information, service unit information, general fee information, additional chargeable item information, hourly billing information, and per-use billing information.

[0030] like Figure 3 As shown, the consumption judgment unit includes: a consumption query module, which controls the query to retrieve all the previous consumption records of the all-in-one card within a preset period; an information comparison module, which controls the search to see if there is information corresponding to the service item information in the previous consumption records; and a card swiping control module, which controls whether to continue to execute the card swiping consumption service based on the comparison result.

[0031] In one embodiment of the present invention, during the consumption judgment process, a consumption query module is used to query all previous consumption records of the card reader. An information comparison module is used to query service item information within these previous consumption records. A card swiping control module is used to further determine whether to continue the card swiping consumption service based on whether the service item information is found. Specifically, if the service item information exists in the previous consumption records, it indicates that the cardholder understands the relevant consumption rules and can directly complete the card swiping consumption, improving the efficiency of card usage. However, if the specific consumption item information is unclear, direct card swiping consumption cannot be completed, and the card swiping consumption service is stopped.

[0032] Furthermore, the card swiping control module includes: a continue execution module, which collects a control signal from the information comparison module indicating the existence of the service item information and controls the continued execution of card swiping consumption; and a pause execution module, which collects a control signal from the information comparison module indicating the absence of the service item information and controls the pause execution of card swiping consumption.

[0033] In one embodiment of the present invention, during the card swiping control process, a continue execution module is used to ensure that the card swiping transaction continues when the service information is found in previous transaction records. A pause execution module is used to stop the card swiping transaction if the service information is not found in previous transaction records.

[0034] like Figure 4 As shown, the rule export unit includes: a rule query module, which controls the search for all consumption service rules provided in the service item information corresponding to the card reader swiped by the all-in-one card; and a rule sending module, which controls the sending of all the consumption service rules to the mobile terminal device bound to the all-in-one card.

[0035] In one embodiment of the present invention, when querying all consumption service rules corresponding to the card reader using the rule export unit, a rule query module is used to query all consumption service rules corresponding to the card reader into which the all-in-one card is swiped. Then, a rule sending module is used to send all the queried consumption service rules and service fee information to the mobile device bound to the all-in-one card. By checking the compliance of the relevant consumption service rules on the mobile device, the problem of over-consumption of the all-in-one card when making purchases without knowing the consumption service rules is solved.

[0036] Furthermore, the rule sending module includes: a consumption extraction module, which controls the extraction of recent card swipe records from other cards swiped at the card reader; and a record sending module, which controls the sending of the swipe records to the mobile device. In this embodiment, when sending consumption service rules to the mobile device, the consumption extraction module is used to query recent card swipe records to the card reader. After retrieving relevant consumption records, they are sent to the mobile device via the record sending module so that viewers can refer to whether the current service is compliant.

[0037] like Figure 5 As shown, the feedback execution unit includes: a feedback signal acquisition module, which controls the acquisition of feedback signals emitted by the mobile device; and a consumption execution module, which controls whether to continue the card swiping consumption based on the feedback signals.

[0038] In one embodiment of the present invention, after the mobile device receives the sent consumption service rule message, it determines whether to continue the consumption process. Specifically, the feedback signal acquisition module collects the signal from the mobile device indicating whether it chooses to continue swiping the card to the card reader. The consumption execution module then controls the card reader to initiate the transaction when the user chooses to continue swiping. Conversely, if a feedback signal indicating that the user does not wish to continue swiping is received, the signal connection between the card reader and the card reader is disconnected.

[0039] Specifically, the consumption execution module includes: a continue execution adjustment module, which, after selecting to continue consumption, provides feedback to the mobile device to select and trust the corresponding service; and a stop execution adjustment module, which records the information after the card swipe stops, indicating that the corresponding service has been stopped, and triggers an alarm in the background when the number of records reaches a preset value.

[0040] In one embodiment of the present invention, during the consumption process, the adjustment module is executed continuously to provide feedback to the mobile device after the consumption is completed, indicating whether to continue trusting the transaction. Furthermore, after trust is selected, subsequent card swipes will be directly controlled to proceed. By stopping the adjustment module, the system automatically records the card swipe transactions when further card swipes are stopped. When the recorded information of the card reader reaches a preset value, it indicates that the transaction compliance of the card reader is questionable, and the system will directly control the background alarm for processing.

[0041] In summary, this invention automatically retrieves the service information of a card reader when it receives a swipe signal from a prepaid card. It further retrieves the card's past transaction records to determine if the service is listed. If it is, the cardholder is aware of the relevant service rules and can proceed with the transaction. If the service is not listed, the transaction is paused. The service rules for the card reader are then sent to the mobile device linked to the prepaid card for review and compliance. If compliant, the transaction continues; otherwise, it is stopped. This effectively prevents cardholders from making unnecessary or excessive purchases due to a lack of understanding of the specific services offered. Therefore, this invention effectively overcomes the shortcomings of existing technologies and has high industrial applicability.

[0042] The above embodiments are merely illustrative of the principles and effects of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or alter the above embodiments without departing from the spirit and scope of the present invention. Therefore, all equivalent modifications or alterations made by those skilled in the art without departing from the spirit and technical concept disclosed in the present invention should still be covered by the claims of the present invention.

Claims

1. A smart payment system based on a campus card, characterized in that, include: The card swiping acquisition unit collects the card swiping information of the all-in-one card and obtains the corresponding service item information; The consumption judgment unit retrieves the previous consumption records of the card based on the service item information and checks whether the service item information exists in the previous consumption records. If it exists, the unit controls the card swipe consumption to be executed; if it does not exist, the unit controls the card swipe consumption to be paused. The rule export unit retrieves all consumption service rules of the service item information based on the non-existent control signal and sends them to the mobile terminal device bound to the all-in-one card. as well as The feedback execution unit acquires feedback signals from the mobile device and controls whether the card swiping transaction of the all-in-one card continues. 2.The campus card-based smart payment system according to claim 1, characterized in that: The card swipe acquisition unit includes: The signal acquisition module acquires card swiping information when the card reader for the corresponding service is swiped by the all-in-one card; and The information query module obtains the permissions of the card reader for the corresponding service based on the card swiping information, and queries the service item information corresponding to the card reader. 3.The campus card-based smart payment system according to claim 2, characterized in that: The card swiping acquisition unit further includes a card swiping binding module, which binds the personal information of the all-in-one card to a designated mobile device before the all-in-one card is swiped.

4. The smart payment system based on campus card as described in claim 2, characterized in that: The service information includes one or more of the following: service name information, service provider information, general fee information, additional chargeable items information, hourly billing information, and per-use billing information.

5. The smart payment system based on campus card as described in claim 1, characterized in that: The consumption judgment unit includes: The consumption query module controls the query and retrieval of all past consumption records of the all-in-one card within a preset period. The information comparison module controls the search for whether information corresponding to the service item information exists in the previous consumption records; and The card swiping control module controls whether to continue executing the card swiping consumption service based on the comparison result.

6. The smart payment system based on campus card as described in claim 5, characterized in that: The card swiping control module includes: The continuation execution module collects the control signal from the information comparison module indicating the existence of the service item information, and controls the continuation of the card swipe payment; and The pause execution module collects the control signal from the information comparison module indicating that the service item information does not exist, and controls the pause execution of card swipe consumption.

7. The smart payment system based on campus card as described in claim 1, characterized in that: The rule derivation unit includes: The rule query module controls the search for all consumption service rules provided in the service item information corresponding to the card reader that swipes the smart card; and The rule sending module controls the sending of all the consumption service rules to the mobile terminal device bound to the smart card.

8. The smart payment system based on campus card as described in claim 7, characterized in that: The rule sending module includes: The consumption extraction module controls the extraction of recent card swipe records from other cards used by the card reader; and A record sending module controls the sending of the flashed record to the mobile device.

9. The smart payment system based on campus card as described in claim 1, characterized in that: The feedback execution unit includes: A feedback signal acquisition module, wherein the feedback signal acquisition module controls the acquisition of feedback signals emitted by the mobile terminal device; and The consumption execution module controls whether to continue the card swiping consumption based on the feedback signal.

10. The smart payment system based on campus card as described in claim 9, characterized in that: The consumption execution module includes: The adjustment module continues execution, and after selecting to continue consuming, the adjustment module provides feedback to the mobile device to select and trust the corresponding service; and The stop execution adjustment module records the information after the card swiping stops, and controls the background alarm when the number of records reaches a preset value.

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