聚合支付在校园卡系统中的应用研究与实现  

Application Research and Implementation of Aggregate Payment in Campus Card System

作　　者：王卫[1] 计红燕 陈波 孙波[1] 杨岿[1] WANG Wei;JI Hongyan;CHEN Bo;SUN Bo;YANG Kui(Information Technology Center,Huazhong Agricultural University,WuHan 430070,China;Department of Finance and Asset Management,Huazhong Agricultural University,WuHan 430070,China;Department of Information Management,Zhongnan University of Economics and Law,WuHan 430070,China)

机构地区：[1]华中农业大学信息技术中心,武汉430070 [2]华中农业大学财务与资产管理部,武汉430070 [3]中南财经政法大学信息管理部,武汉430073

出　　处：《实验科学与技术》2023年第2期106-110,共5页Experiment Science and Technology

基　　金：教育部2021产学合作协同育人项目(202101366007)。

摘　　要：为了打破师生使用实体校园卡带来的消费局限,给师生提供更好的消费体验,提出了聚合支付在校园卡系统中的应用研究与实现。通过可信服务管理(TSM)来分发消费消息,在交易传输过程中引入国密SM3算法增强数据的安全,对每一种消费手段进行身份识别,并对消费数据统一管理,统一对账分账。以华中农业大学为例,聚合支付目前已满足多应用场景和消费手段,且都支持身份识别;满足数据隐私、信息安全的需求。通过对全校近两年的消费数据分析,聚合支付消费次数已占总比重的43%,聚合支付的消费金额占总比重的63%,证明了聚合支付在高校应用场景的必要性。In order to break the limitations of using physical campus cards,and to bring users a better consumption experience.This paper proposes the application research and implementation of aggregate payment in the campus card system.It dis-tributes consumption messages through trusted service management(TSM),the national secret SM3 algorithm is introduced in the transaction transmission process to enhance data security,the identify of every consumption means is identified,consumption data is managed uniformly and account is reconciled in a unified manner.Taking Huazhong Agricultural University as an example,aggregate payment has now met multiple application scenarios and consumption methods such as UnionPay,WeChat can all be used,meeting the needs of data privacy and information security.Through the analysis of consumption data in the past two years,the frequency of aggregate payment consumption has accounted for 43%of the total,and the money of aggregate payment consumption accounted for 63%of the total.This proves the necessity of aggregate payment in college application scenarios.

关 键 词：聚合支付 校园卡系统 身份识别 消费安全 SM3算法 TSM 

分 类 号：TP393[自动化与计算机技术—计算机应用技术]