A campus consumption management system based on digital renminbi and a working method thereof

Abstract

The application discloses a kind of based on digital renminbi's campus consumption management system and working method thereof.The system includes identity account binding module, for completing the binding, debinding, risk control check and authority management of user identity information and digital renminbi wallet identification;Pre-stored balance management module is used to manage the pre-stored digital renminbi balance of student in campus scene;Interest calculation rule engine is used to load and execute the interest calculation rule configurable in campus;Principal / interest sub-account module is used to generate principal sub-account and interest sub-account;Consumption deduction control module is used to form transaction routing and deduction instruction;Merchant settlement and automatic clearing module is used to generate merchant settlement file;Reconciliation audit account module is used to record the log and account flow of recharging, interest calculation, deduction, clearing event.This application realizes the fine, regular and automated management of campus canteen and supermarket consumption funds, fills the technical gap in the application of campus digital renminbi interest calculation in the prior art.

Description

Technical Field

[0001] This invention relates to the field of campus consumption management technology, specifically to a campus consumption management system based on digital RMB and its working method. Background Technology

[0002] With the continuous advancement of the digital economy and digital financial system, the form of currency is gradually evolving from traditional account-based electronic money to digital and programmable legal digital currency. Against this backdrop, the digital yuan, as an important practical form of my country's legal digital currency, has been piloted in multiple scenarios such as retail payments, public services, and transportation.

[0003] In the typical closed, high-frequency, and small-amount consumption environment of university campuses, students' daily spending is mainly concentrated in places such as canteens and campus supermarkets. To meet the needs of management convenience and fund security, existing campuses generally adopt a pre-paid consumption model, in which students pre-load a certain amount into their campus accounts and then use it multiple times in canteens or supermarkets. This model improves payment efficiency to some extent, but it also creates a large amount of long-term accumulated pre-paid student funds.

[0004] With the gradual introduction of the digital yuan into campus settings, some universities have begun to experiment with using it as a campus payment method to replace or supplement traditional campus cards and third-party payment tools. However, most existing applications remain at the level of "payment tool replacement," that is, simply integrating the digital yuan into the existing consumption system as a new payment medium, failing to fully leverage its potential capabilities in fund management, rule configuration, and programmable control.

[0005] The specific disadvantages of the existing technology are as follows: 1. Prepaid funds on campus are tied up for a long time but lack interest-bearing or incentive mechanisms. Current campus cafeterias and supermarket payment systems generally use a prepaid account model, requiring students to deposit a certain amount into their accounts in advance for future purchases. However, these prepaid funds typically do not generate any interest or returns during the holding period, and their time value is completely ignored.

[0006] Even after the introduction of the digital yuan, most systems still continue their original design logic, using the digital yuan only as a payment medium for top-ups and deductions, without any form of interest management or incentive design for pre-deposited balances. This results in students' funds being tied up for a long time without obtaining reasonable returns, and the efficiency of fund utilization is low.

[0007] 2. Existing payment systems lack "rule-based fund management capabilities" specifically for campus scenarios. The core functions of current campus payment systems are focused on deduction and accounting statistics, lacking the ability to fine-grained control over the rules for fund usage. For example, the system usually cannot distinguish between principal and interest, nor can it differentiate the use of funds based on different consumption scenarios, behaviors, or time periods.

[0008] While third-party payment tools offer features such as rebates and discounts in commercial scenarios, their rules are primarily set by the platform, making it difficult to deeply integrate with the campus's internal management system, consumption order, and incentive objectives. Furthermore, they are not suitable for long-term, controllable, and rule-based management of the flow of funds within the campus.

[0009] 3. The application of digital RMB on campus lacks a technical solution that links it with consumer behavior. The digital yuan possesses technical characteristics such as programmability and controllable flow, but these characteristics have not been fully utilized in existing campus applications. Existing systems typically only implement a linear process of "recharge-consumption," failing to establish a linkage mechanism between interest calculation rules and student consumption behavior.

[0010] For example, the system cannot dynamically adjust the interest calculation method for a student's account balance based on the student's recharge time, consumption frequency, consumption location, or consumption period, nor can it guide students to form more reasonable and balanced campus consumption behavior through technical means, thus limiting the application space of digital RMB in campus governance and refined management.

[0011] 4. Low level of automation in campus internal settlement and reconciliation processes. Under current technological conditions, the settlement systems of school canteens and supermarkets mostly rely on periodic manual reconciliation or semi-automatic processing. Even with the introduction of electronic payment methods, the system's focus remains on summarizing transaction records, rather than on the unified management of changes in the status of funds at different stages (recharge, interest accrual, consumption, and settlement).

[0012] When interest calculation or incentive mechanisms are introduced, the lack of automated settlement and clearing logic will significantly increase management complexity and labor costs, which to some extent restricts the attempt to implement innovative fund management models in campus settings.

[0013] 5. Lack of a dedicated technical framework for campus scenarios makes it difficult to develop replicable solutions. Existing applications of the digital yuan are mostly geared towards general retail or public service scenarios, lacking dedicated technical designs for the closed, centralized, and rule-defined environment of a campus. The consumption patterns, management entities, and financial attributes of campus canteens and supermarkets are significantly unique, but existing technologies have not yet formed a replicable and scalable systematic solution.

[0014] This situation has led many campuses to adopt temporary or partial modifications when introducing the digital yuan, making it difficult to achieve a systematic improvement in the efficiency of fund use and student experience while ensuring fund security and compliance. Summary of the Invention

[0015] The purpose of this invention is to address the shortcomings of existing technologies by providing a campus consumption management system based on digital RMB and its operating method.

[0016] To achieve the above objectives, in a first aspect, the present invention provides a campus consumption management system based on digital RMB, comprising: The identity account binding module is used to complete the binding, unbinding, risk control verification, and permission management of user identity information and digital RMB wallet identifier; The pre-deposited balance management module is used to manage the pre-deposited digital RMB balance of students in the campus setting, form an interest-bearing balance pool, and maintain the balance status; The interest calculation rule engine is used to load and execute the campus's configurable interest calculation rules, and output the interest calculation results and interest payment instructions according to the interest calculation rules; The principal / interest splitting module is used to generate principal splitting and interest splitting. The pre-deposited principal in the principal splitting and the interest-bearing income in the interest splitting are stored or logically separated. The use of the interest-bearing income in the interest splitting is restricted. The consumption deduction control module is used to generate transaction routes and deduction instructions based on the deduction strategy during transactions; The merchant settlement and automatic clearing module is used to generate merchant settlement files and complete the automatic clearing process of user-side deduction, merchant-side accounting, and school-side fund collection or profit sharing. The reconciliation and audit ledger module is used to record event logs and accounting transactions for recharge, interest calculation, deduction, and settlement.

[0017] Furthermore, the interest calculation rule is expressed as follows: ; ; in, For the set of interest calculation rules, For the k-th interest calculation rule, k=1,2,…,m, This is the trigger condition for the k-th rule. The interest calculation function for the k-th rule. For the interest usage restrictions of the k-th rule, This refers to the handling of anomalies and risk control for the k-th rule.

[0018] Furthermore, the interest calculation function is as follows: ; in, For the currently calculated users Interest income, It is a minimum value function. This is the interest cap threshold. For users The base interest rate As a behavioral additive factor, Additive factors to the scene.

[0019] Furthermore, the user Basic interest The calculation method is as follows: ; in, for Time users The pre-deposited principal, Based on the basic annualized interest rate, This is the interest settlement period.

[0020] Furthermore, the method for determining whether the use of the interest-bearing income is restricted is as follows: ; in, This is a function to determine whether the use of interest-bearing income is restricted. A value of 1 indicates that the interest-bearing income is available, and a value of 0 indicates that the interest-bearing income is unavailable. For product category or merchant identification, For users Set a set of usage constraints. This is the current trading time. The validity period for interest-bearing income.

[0021] Furthermore, the deduction strategies include priority deduction of interest-bearing income, proportional deduction, and deduction within a specified period.

[0022] Furthermore, the preferential deduction of interest-bearing income is expressed as follows: ; ; in, This is the amount deducted from interest income. For users The amount of interest income deducted from the current transaction. This represents the current total transaction amount. The limit for deducting interest income per transaction. The daily cumulative deduction limit for interest-bearing income. This is the amount to be deducted from the pre-deposited principal.

[0023] In a second aspect, the present invention provides a method for operating the aforementioned campus consumption management system based on digital RMB, comprising: Users initiate a binding request through the unified campus portal. The identity and account binding module completes identity verification and binds the student ID or real-name information to the digital RMB wallet after the verification is successful. This generates a unique campus user identifier for each user and initializes their campus consumption account. When a user tops up their campus consumption account with digital RMB, the pre-deposited balance management module records the top-up amount in the principal account, updates the interest calculation base, generates a top-up event log and accounting records, and writes them into the reconciliation and audit ledger module. Configure the interest calculation rule set and publish it to the interest calculation rule engine to execute interest calculation according to preset trigger conditions and generate interest income and interest payment instructions; The principal / interest accounting module writes the interest income into the interest accounting ledger according to the interest posting instruction, and sets the interest usage attribute according to the rules. The reconciliation and audit ledger module generates interest posting records and audit logs. When a user initiates a payment transaction, the consumption deduction control module reads the relevant transaction data, generates a deduction instruction based on the deduction strategy, and executes the deduction. The reconciliation and audit ledger module generates a transaction receipt and consumption record. The merchant settlement and automatic clearing module aggregates merchant transaction details according to the settlement cycle, generates settlement statements, and forms clearing calibers for the principal deduction and interest deduction portions respectively, performs automatic clearing, and the reconciliation and audit ledger module outputs a discrepancy list and audit report.

[0024] Beneficial effects: 1. This invention is the first to target the high-frequency pre-paid consumption scenario in school canteens and supermarkets, abstracting the pre-deposited digital RMB balance of students into an interest-bearing fund unit, and introducing a dual-account management model of "principal-interest separation" at the system level, implementing differentiated interest calculation, usage and settlement control for funds from different sources; this model breaks through the traditional campus account design paradigm of "single balance, only deduction", enabling pre-deposited funds to have time value management capabilities in the closed campus scenario; by limiting the interest calculation object to the pre-deposited balance on the campus side, and having the campus system rather than the back-end of financial institutions to control the interest calculation, this invention achieves the rule-based and controllable utilization of campus deposited funds without changing the legal tender attribute of digital RMB; 2. This invention links the interest calculation logic of the pre-deposited balance of digital RMB with students' recharge behavior, consumption frequency, consumption time period and merchant type and other behavioral and scenario factors to achieve dynamic and differentiated interest calculation control; the interest calculation process is decomposed into combinable modules such as trigger conditions, interest calculation function, usage restrictions and abnormal handling, so that the interest calculation result is no longer determined by "amount × time", but can be parameterized according to campus management goals, thereby supporting flexible configuration for different schools and different stages. Attached Figure Description

[0025] Figure 1 This is a schematic diagram of a campus consumption management system based on digital RMB according to an embodiment of the present invention; Figure 2 A flowchart illustrating the working method of the campus consumption management system based on digital RMB. Detailed Implementation

[0026] The present invention will be further illustrated below with reference to the accompanying drawings and specific embodiments. These embodiments are implemented based on the technical solutions of the present invention, and it should be understood that these embodiments are only used to illustrate the present invention and are not intended to limit the scope of the present invention.

[0027] like Figure 1 As shown, this embodiment of the invention provides a campus consumption management system based on digital RMB, including an identity account binding module 1, a pre-deposited balance management module 2, an interest calculation rule engine 3, a principal / interest splitting module 4, a consumption deduction control module 5, a merchant settlement and automatic clearing module 6, and an account reconciliation and audit ledger module 7.

[0028] The identity account binding module 1 is used to complete the binding, unbinding, risk control verification, and permission management of user identity information and digital RMB wallet identifiers. The aforementioned user identity information includes student ID, campus card, or real-name information, etc.

[0029] The pre-deposited balance management module 2 is used to manage the pre-deposited digital RMB balance of students in the campus setting, form an interest-bearing balance pool, and maintain the balance status, specifically including available, frozen, pending settlement, etc.

[0030] The interest calculation rule engine 3 is used to load and execute configurable interest calculation rules for the campus, and output the interest calculation results and interest payment instructions according to the interest calculation rules. The above interest calculation rules can be expressed as: ; ;

[0031] in, For the set of interest calculation rules, For the k-th interest calculation rule, k=1,2,…,m, The triggering conditions for the k-th rule include time window, balance threshold, behavior threshold, scenario conditions, etc. The interest usage restrictions for the kth rule include the applicable merchant categories, applicable time periods, validity periods, and non-withdrawal. For the abnormal and risk control handling of the k-th rule, including exceeding limits, blacklisting, rollback strategies, etc. The interest calculation function for the k-th rule can be specifically expressed as: ;

[0032] in, For the currently calculated users Interest income, It is a minimum value function. This is the interest cap threshold. As a behavioral additive factor, it can be obtained by mapping "pre-payment amount", "percentage of consumption off-peak", "frequency of consumption in the canteen", etc. These are scenario-enhancing factors, which can be obtained by mapping scenario attributes such as "canteen / supermarket", "designated window", and "public welfare meal". For users The basic interest rate is calculated as follows: ;

[0033] in, for Time users The pre-deposited principal, Based on the basic annualized interest rate, This is the interest settlement period.

[0034] Module 4, the principal / interest segregation module, is used to generate principal and interest segregation ledgers. The pre-deposited principal within the principal segregation ledger and the interest-earning income within the interest segregation ledger are stored or logically separated. The use of interest-earning income within the interest segregation ledger is restricted. (The calculation of interest-earning income is then performed.) Then, the interest-bearing income is recorded in the interest distribution account, specifically as follows: ;

[0035] in, This is the updated total interest-bearing income. This represents the total interest income before the update.

[0036] The methods for determining the restrictions on the use of the aforementioned interest-bearing income are as follows: ;

[0037] in, This is a function to determine whether the use of interest-bearing income is restricted. A value of 1 indicates that the interest-bearing income is available, and a value of 0 indicates that the interest-bearing income is unavailable. This serves as an identifier for product categories or merchants, such as cafeterias, campus supermarkets, designated charity merchants, etc. For users Set a set of usage constraints. This is the current trading time. This sets the validity period for interest-bearing income. Additionally, you can set a non-withdrawable flag such as noCash(u)=true.

[0038] The consumption deduction control module 5 is used to generate transaction routes and deduction instructions based on the deduction strategy during a transaction. The deduction strategies include interest-earnings priority deduction, proportional deduction, and deduction within a specified period. Taking interest-earnings priority deduction as an example, it can be expressed as follows: ; ;

[0039] in, This is the amount deducted from interest income. For users The amount of interest income deducted from the current transaction. This represents the current total transaction amount. The limit for deducting interest income per transaction. The daily cumulative deduction limit for interest-bearing income. This is the amount to be deducted from the pre-deposited principal.

[0040] Balance updated after deduction: ; ;

[0041] in, For the updated pre-deposited principal, This is the principal deposited before the update.

[0042] The Merchant Settlement and Automatic Clearing Module 6 is used to generate merchant settlement files daily or in batches, completing the automatic clearing process for user deductions, merchant receipts, and school fund collection or profit sharing. Specifically, the system outputs a dual-caliber transaction log for each transaction: 1. Principal deduction transaction history ; 2. Interest deduction statement .

[0043] Summary of merchants during the settlement period: ;

[0044] in, This represents the total amount receivable by the merchant. This is the settlement function.

[0045] It can also separately calculate the interest-bearing parties (school subsidies / special funds / platform funds, etc.) to generate settlement instructions. The reconciliation module performs at least three-party consistency checks: transaction order table (order number, amount, merchant, time); account settlement statement (principal / interest deduction details); merchant settlement statement (accounts receivable, settled, discrepancies). If discrepancies occur, an exception handling strategy (freezing, reversal, manual review, etc.) is implemented.

[0046] The reconciliation and audit ledger module 7 is used to record recharge, interest calculation, deduction, and settlement event logs and accounting flow, and supports reconciliation and audit traceability by user, merchant, and time interval.

[0047] See Figure 2 Based on the above embodiments, those skilled in the art can easily understand that the present invention also provides a working method for the above-mentioned campus consumption management system based on digital RMB, including: Step 1: Identity Binding and Campus Consumption Account Initialization 1. Users initiate a binding request through the unified campus portal (campus app / mini-program / self-service terminal), submitting elements such as student ID, campus card, or real-name information; 2. The identity account binding module 1 completes identity verification. After the verification is successful, the student ID or real-name information is bound to the digital RMB wallet, and a unique campus user identifier UID is generated for each user. 3. Initialize their campus spending account, including: principal splitting. Interest split And initialize risk control parameters (single transaction limit, daily cumulative limit, list of available scenarios, etc.).

[0048] Step 2: Pre-deposited funds and balance deposited into the pool 1. When a user tops up their campus consumption account with digital RMB, a top-up transaction is generated. ; 2. The prepaid balance management module 2 records the recharge amount into the principal accounting and updates the interest calculation base; 3. Generate recharge event logs and transaction records, and write them into the reconciliation and audit ledger module 7.

[0049] Step 3: Loading and Triggering Interest Calculation Rules 1. Configure the interest calculation rule set (such as interest calculation period, interest rate, behavior bonus, usage restrictions, etc.) and publish it to the interest calculation rule engine 3; 2. Interest is calculated based on preset trigger conditions, such as daily settlement (T+1), hourly settlement, or triggering upon reaching a threshold; 3. The interest calculation engine calculates accrued interest based on the user's balance, time span, and behavioral factors, and generates interest income and interest payment instructions.

[0050] Step 4: Separate Interest Receipts from Separate Accounts 1. Principal / Interest Revenue Sharing Module 4 writes the interest income into the interest revenue sharing account according to the interest posting instruction; 2. Set the usage attributes of the interest according to the rules, such as "only for campus canteen / supermarket consumption deduction", "cannot be withdrawn", "validity period / expiration conditions", etc. 3. The reconciliation and audit ledger module 7 generates interest entry records and audit logs.

[0051] Step 5: Initiation and Deduction Decision of Consumer Transaction 1. The user initiates a payment transaction; 2. The consumption deduction control module 5 reads transaction-related data, including merchant type, transaction amount, time period, and user's daily cumulative amount; 3. Generate a deduction instruction and execute the deduction based on the deduction strategy (whether interest splitting is allowed, deduction order, and deduction ratio); 4. The reconciliation and audit ledger module generates transaction receipts and consumption records; Step 6: Merchant Settlement, Clearing and Reconciliation 1. Merchant Settlement and Automatic Clearing Module 6 aggregates merchant transaction details according to the settlement cycle and generates settlement statements; 2. Separate settlement procedures are established for the principal deduction portion and the interest deduction portion, and automatic settlement is implemented; 3. Amount receivable from merchants; 4. Amount collected by the school / amount of subsidies (e.g., interest borne by the school or by special funds); 5. The reconciliation and audit ledger module 7 performs three-way verification based on "transaction flow - sub-account flow - merchant settlement statement" and outputs a list of discrepancies and an audit report.

[0052] Specific examples: 1. Application Scenario Description This embodiment uses a senior high school in Nanjing as an example. The campus operates under a closed management system, with a centrally managed student canteen and a campus supermarket. Students complete all their daily meals and necessities purchases on campus. The school's original consumption model used a pre-paid account system, requiring students to pre-load a certain amount into their campus consumption account for daily expenses. To improve the efficiency of campus fund management, optimize the student consumption experience, and explore innovative applications of digital RMB in a campus setting, the school introduced the campus consumption management system provided by this invention.

[0053] 2. System Deployment and Account Initialization The school deployed the campus consumption management system of this invention on the basis of the existing campus information system, and connected it with the student identity management system, the campus merchant system and the digital RMB payment interface.

[0054] Specifically, the following steps are included: 1. After enrollment or system upgrade, students complete identity verification through the unified campus portal (campus app or self-service terminal) and bind their student ID, real-name information and digital RMB wallet. 2. The system generates a unique campus user identifier for each student and initializes their campus consumption account; 3. At the account level, establish at least two logical accounting units for each student: a principal accounting unit to record the principal of digital RMB recharged by the student; and an interest accounting unit to record the amount of interest generated by the system. 4. At the same time, configure basic risk control parameters for the account, including single transaction limit, daily transaction limit, and range of available merchants.

[0055] 3. The formation of prepaid funds and interest-bearing balance Students top up their campus consumption accounts through digital RMB wallets, and the top-up amount is directly credited to their principal account, forming a pre-deposited balance that can be used for subsequent consumption.

[0056] In this embodiment, the school allows students to make centralized top-ups monthly or by semester. For example, a student might top up 1000 yuan in digital RMB at the beginning of the semester for use in the cafeteria and supermarkets. After the top-up is completed: 1. All recharged amounts will be included in the principal settlement; 2. Include the remaining principal balance in the interest-bearing balance pool; 3. Record information such as recharge time and amount as the basis for subsequent interest calculation.

[0057] 4. Interest Calculation Rule Configuration and Execution The school administration system configures campus-specific interest calculation rules through the interest calculation rule engine of this invention, for example: 1. Interest calculation period: Interest is calculated on a daily basis; 2. Basic interest calculation method: Interest is calculated daily based on the remaining principal balance. 3. Behavioral linkage rules: (1) Students who prepay their accounts will receive a bonus on interest; (2) An additional interest rate will be applied to dining consumption during off-peak hours; 4. Restrictions on the use of interest: (1) Interest is limited to purchases at the school cafeteria and campus supermarkets; (2) Interest cannot be withdrawn or transferred to off-campus accounts.

[0058] (v) Campus consumption and interest deduction process When students make purchases in the school cafeteria or on-campus supermarket, the system automatically determines whether interest sharing can be used for deduction based on the transaction context.

[0059] The specific process is as follows: 1. Students initiate payment requests by scanning a code or swiping a card in the cafeteria; 2. The system obtains information such as merchant type, transaction amount, and time period; 3. If the transaction meets the conditions for interest usage, the system will use the interest split amount to offset the interest first or according to a preset ratio, and any shortfall will be deducted from the principal split. 4. If the transaction does not meet the conditions for interest usage, the system will only deduct the corresponding amount from the principal settlement. 5. After the deduction is completed, the system will synchronously update the principal and interest account balances and generate a complete transaction record.

[0060] Through the above methods, students can automatically enjoy the interest generated by their pre-deposited funds without changing their original payment habits.

[0061] 6. Merchant Settlement and Automatic Clearing The system summarizes the transaction data of the school canteen and supermarket according to the preset settlement cycle (such as daily settlement) and separately calculates: the consumption amount from the student principal split; and the deduction amount from the student interest split.

[0062] In this embodiment, the interest portion is uniformly subsidized and settled by a special fund pool established by the school. The system automatically generates settlement and clearing instructions based on the statistical results, achieving the following: 1. Automatic settlement of accounts receivable from campus merchants; 2. Separate settlement procedures should be established for the two types of funds: principal and interest; 3. The reconciliation results are automatically written into the audit and ledger module for subsequent verification.

[0063] 7. Technical Effects and Application Results Through practical application in a senior high school in Nanjing, this invention has achieved at least the following technical effects: 1. Students' pre-deposited digital RMB funds automatically accrue interest on campus, improving the efficiency of fund utilization; 2. The use of interest funds is restricted, which prevents the misuse of income funds and ensures the controllability of campus fund flow; 3. The processes of interest calculation, consumption, settlement, and reconciliation are highly automated, significantly reducing school management costs; 4. Without changing students' payment behavior, the digital yuan has been deeply applied in campus scenarios.

[0064] The above description is merely a preferred embodiment of the present invention. It should be noted that for those skilled in the art, other parts not specifically described are existing technology or common knowledge. Several improvements and modifications can be made without departing from the principle of the present invention, and these improvements and modifications should also be considered within the scope of protection of the present invention.

Claims

1. A campus consumption management system based on digital RMB, characterized in that, include: The identity account binding module is used to complete the binding, unbinding, risk control verification, and permission management of user identity information and digital RMB wallet identifier; The pre-deposited balance management module is used to manage the pre-deposited digital RMB balance of students in the campus setting, form an interest-bearing balance pool, and maintain the balance status; The interest calculation rule engine is used to load and execute the campus's configurable interest calculation rules, and output the interest calculation results and interest payment instructions according to the interest calculation rules; The principal / interest splitting module is used to generate principal splitting and interest splitting. The pre-deposited principal in the principal splitting and the interest-bearing income in the interest splitting are stored or logically separated. The use of the interest-bearing income in the interest splitting is restricted. The consumption deduction control module is used to generate transaction routes and deduction instructions based on the deduction strategy during transactions; The merchant settlement and automatic clearing module is used to generate merchant settlement files and complete the automatic clearing process of user-side deduction, merchant-side accounting, and school-side fund collection or profit sharing. The reconciliation and audit ledger module is used to record event logs and accounting transactions for recharge, interest calculation, deduction, and settlement.

2. The campus consumption management system based on digital RMB according to claim 1, characterized in that, The interest calculation rule is expressed as follows: ； ； in, For the set of interest calculation rules, For the k-th interest calculation rule, k=1,2,…,m, This is the trigger condition for the k-th rule. The interest calculation function for the k-th rule. For the interest usage restrictions of the k-th rule, This refers to the handling of anomalies and risk control for the k-th rule.

3. A campus consumption management system based on digital RMB according to claim 2, characterized in that, The interest calculation function is: ； in, For the currently calculated users Interest income, It is a minimum value function. This is the interest cap threshold. For users The base interest rate, As a behavioral additive factor, Additive factors to the scene.

4. A campus consumption management system based on digital RMB according to claim 3, characterized in that, The user Basic interest The calculation method is as follows: ； in, for Time users The pre-deposited principal, Based on the basic annualized interest rate, This is the interest settlement period.

5. A campus consumption management system based on digital RMB according to claim 3, characterized in that, The method for determining whether the use of interest-bearing income is restricted is as follows: ； in, This is a function to determine whether the use of interest-bearing income is restricted. A value of 1 indicates that the interest-bearing income is available, and a value of 0 indicates that the interest-bearing income is unavailable. For product category or merchant identification, For users Set a set of usage constraints. This is the current trading time. The validity period for interest-bearing income.

6. A campus consumption management system based on digital RMB according to claim 5, characterized in that, The deduction strategies include priority deduction of interest-bearing income, proportional deduction, and deduction within a specified period.

7. A campus consumption management system based on digital RMB according to claim 6, characterized in that, The preferential deduction of interest-bearing income is expressed as follows: ； ； in, This is the amount to be deducted from interest income. For users The amount of interest income deducted from the current transaction. This represents the current total transaction amount. The limit for deducting interest income per transaction. The daily cumulative deduction limit for interest-bearing income. This is the amount to be deducted from the pre-deposited principal.

8. A method for operating a campus consumption management system based on digital RMB as described in claim 1, characterized in that, include: Users initiate a binding request through the unified campus portal. The identity and account binding module completes identity verification and binds the student ID or real-name information to the digital RMB wallet after the verification is successful. This generates a unique campus user identifier for each user and initializes their campus consumption account. When a user tops up their campus consumption account with digital RMB, the pre-deposited balance management module records the top-up amount in the principal account, updates the interest calculation base, generates a top-up event log and accounting records, and writes them into the reconciliation and audit ledger module. Configure the interest calculation rule set and publish it to the interest calculation rule engine to execute interest calculation according to preset trigger conditions and generate interest income and interest payment instructions; The principal / interest accounting module writes the interest income into the interest accounting ledger according to the interest posting instruction, and sets the interest usage attribute according to the rules. The reconciliation and audit ledger module generates interest posting records and audit logs. When a user initiates a payment transaction, the consumption deduction control module reads the relevant transaction data, generates a deduction instruction based on the deduction strategy, and executes the deduction. The reconciliation and audit ledger module generates a transaction receipt and consumption record. The merchant settlement and automatic clearing module aggregates merchant transaction details according to the settlement cycle, generates settlement statements, and forms clearing calibers for the principal deduction and interest deduction portions respectively, performs automatic clearing, and the reconciliation and audit ledger module outputs a discrepancy list and audit report.

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