移动互联背景下校园卡支付体系设计与实践

针对现有校园卡在脱机和写卡时存在的消费安全隐患，结合互联网技术发展及移动支付应用需求，在分析卡片发展历程的基础上，提出校园卡第3阶段发展概念：即在线化、无卡化、移动化、多介质化；架构适应发展需求的校园卡在线支付体系，建立基于云架构云服务的支付平台和虚拟服务大厅，设计网络、数据、安全和应急响应等保障措施，依托在线账户、二维码、移动终端，实现校园卡支付服务的移动化和自助化.

Design and practice of a new campus card payment system in mobile internet scenarios

To resolve the current campus card's security risks including offline and card-writing etc, integrated internet technology with the demands on mobile payment, the concept of the 3rd phase of campus card is introduced, which meets the online, cardless, mobile and multi-media trend of campus card application. A new campus card online payment system is designed and architected on cloud services, which fulfills the functions of payment platform and virtual service rooms,and is guarded by secure policies and measures on network, data and strict maintenance operations. It supports mobilization, self-service of campus card payment with online account, QR code and mobile terminals.