Smart campus payment processing method and system

By configuring charging rules, generating bills, and synchronizing data using message queues in campus payment management, and combining a unified payment gateway and core verification module, a zero-trust directed routing and distribution mechanism is constructed to dynamically select payment channels. This solves the problems of inefficiency in manual operation, data synchronization delay, and security risks in campus payment management, and achieves an efficient and secure payment processing flow.

CN122114910APending Publication Date: 2026-05-29HUNAN XINGFUTONG TECH CO LTD
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Patent Information

Application Number
CN202610576114.3
Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
Filing Date
2026-04-28
Publication Date
2026-05-29

AI Technical Summary

Technical Problem

The existing campus payment management system suffers from inefficiency due to manual operation, high error rate, data synchronization delays and security risks. It lacks a unified collaborative platform, has insufficient transparency in fund transfers, is susceptible to the failure of a single interface in the payment process, and has security vulnerabilities in data storage.

Method used

The system generates bills and publishes events by configuring fee rules on the financial side, synchronizes data and pushes reminders through the message queue, initiates payments on the parent's side, completes payments through a unified gateway, and is verified by the core module. After verification, the status is updated and accounts are automatically reconciled. By combining identity authentication, blockchain notarization, and multi-dimensional verification, a zero-trust targeted routing and distribution mechanism is built to dynamically select payment channels to ensure stability.

Benefits of technology

It automates the campus payment process, significantly improving operational efficiency, reducing human error, ensuring real-time data synchronization and payment security, enhancing the transparency and security of fund transfers, and providing a reliable payment service experience.

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Abstract

The invention provides a smart campus payment processing method and system, and relates to the technical field of education informatization. The financial terminal configures a charging rule to generate a bill and publish an event, a message queue synchronizes data and pushes a prompt, the parent terminal initiates payment, completes payment through unified gateway scheduling, verifies the payment through a core module, updates the state after verification, and automatically checks accounts. The system solves the problems of low manual operation efficiency, high error rate, data synchronization delay and security risk in campus payment management, and has the advantages of automatically processing the campus payment process, remarkably improving the operation efficiency, reducing human errors, and ensuring real-time data synchronization and payment security.
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