security solutions

The campus card integrates contactless payment and is transforming into a multi-form digital identity that integrates biometrics, mobile wallets and digital renminbi, evolving from traditional physical cards. This change is not only the replacement of payment media, but also reshapes the campus consumption model, reshapes the campus access management model, and reshapes the campus life service model, aiming to pursue the ultimate convenience and security.

How contactless student cards improve the convenience of campus consumption

The most direct experience improvement of integrating payment functions into student cards is in daily consumption. In the past, when queuing in the cafeteria, students would often waste time searching for physical cards or mobile phones. After adopting contactless technology, whether it is a "swipe and pay" card or a swipe payment method, the transaction time is compressed to less than one second, which significantly speeds up the flow of people, which especially alleviates the congestion problem during peak dining periods.

Its convenience is reflected in the simplification of management. Students no longer have to worry about the trouble of reporting a lost physical card and re-issuing it. Parents can recharge the digital wallet remotely, and at the same time, they can also view consumption details. Such a senseless and seamless payment experience allows students to focus more on their own learning, and also makes campus management more efficient and transparent.

Are there any hidden dangers in the security of contactless student cards?

The introduction of any technology is always accompanied by doubts about the security nature, and the same is true for contactless student cards. Its security risks mainly focus on two aspects: first, the payment medium itself; second, the biometric data behind it. If the card or mobile phone is accidentally lost, it may bring the risk of fraud, although most systems have set consumption limits. The more core concern is that biometric information, such as faces, palm prints, etc., cannot be changed once it is leaked.

In view of this, the current solutions widely implement multiple safeguard measures. From a technical perspective, in terms of preventing forgery, dynamically encrypted QR codes, financial-grade chips, and dual biometric comparison methods of "palmprint + palm vein" are used to prevent forgery. From a management perspective, the collection work strictly follows the principle of the minimum necessary to ensure that the data can be stored in a safe vault, while allowing users to have sufficient knowledge and control over it.

Are biometric payments the future of campus payments?

Judging from technological development and pilot situations, biometric payment, represented by face and palmprint, is becoming an important direction in campus payment. Its biggest advantage is that it achieves "medialess" payment. Students are completely free from the restrictions of carrying cards or mobile phones, and can actually "eat with face" or "raise their hand and leave." This brings revolutionary convenience in specific scenarios such as canteens and showers.

However, it still faces challenges if it wants to be fully promoted. In addition to the security and privacy concerns mentioned above, the reliability of the technology and the cost of the infrastructure are also obstacles. For example, some students were locked out of the dormitory building because their mobile phones were out of battery and the digital access control card failed to take effect. At the same time, it is a huge investment to update all terminal devices to adapt to biometric reading. Therefore, it is more likely to be used as an efficient supplementary method rather than completely replacing existing methods.

How digital renminbi can be applied to campus contactless payment scenarios

Digital RMB provides a different compliant and safe innovative route for contactless payment on campus. , the typical application style of this innovative route on campus is the linkage between "mother wallet and sub-wallet". , parents open the digital RMB master wallet on their mobile phones and associate their children with a sub-wallet in the form of a hard wallet card, which allows them to recharge remotely and conduct inquiry and consumption.

This model has many good advantages. First, the cost of hardware wallet cards is relatively low and durable; when paying, you can "pay with one swipe." It plays a role in minors, isolating complex financial risks involving the Internet, and it can also cultivate rational consumption habits with the help of limits. As a legal digital currency, its security is guaranteed by the central bank. Hard wallets can still be used in social scenarios after graduation, thus avoiding waste of resources. Currently, this type of pilot has shown great potential.

What campus facilities need to be updated from magnetic stripe cards to contactless cards?

What was originally a traditional magnetic stripe card swiping method is now being upgraded to contactless payment. This is a systematic project related to the school's infrastructure. The most critical transformation is to deploy or change terminal equipment that supports contactless card reading. The terminals mentioned here include POS machines for consumption in canteens, access control gates in dormitories and libraries, water controllers in showers, and even laundry rooms, copy machines, and other terminals that involve identity verification or payment.

The process of renovation often shows a gradual trend. When many schools build new buildings or equipment undergoes natural obsolescence, they will go straight to install composite card readers that can support both magnetic stripe and contactless functions. However, a complete campus-wide update will cost a lot of money and require coordination among all parties. Therefore, it may take several years to completely eliminate the magnetic stripe, and the school will have to formulate long-term budgets and phased implementation plans.

What are the main obstacles faced by campus promotion of contactless payment?

Even with its obvious advantages, the promotion of contactless payment on campus has not been smooth. The resistance first comes from the high cost. One-time renovation costs . Replacing thousands of card reading terminals and upgrading backend systems requires huge investment. Secondly, the digital divide cannot be ignored. Not all students have smartphones that can support high-end digital wallets. If they are forced to implement them, it may cause unfairness.

The deeper resistance is related to habits and trust. Teachers and students have to spend time adapting to the new method. Older people may be more inclined to physical cards. At the same time, everyone has concerns about privacy when collecting data, which is a common psychological resistance. Therefore, a successful promotion strategy must include progressive substitution, provide a variety of different options, such as retaining physical cards, and have transparent communication to establish trust.

In your school, in which scenario do you most expect the student card to be the first to achieve "touchless payment"? Is it the canteen, the library access control, or the self-service laundry area? We sincerely hope you will share and discuss in the comment area.