? Virtual card construction mode advantages and disadvantages Due to the limited use of virtual cards in specific occasions such as bathrooms, colleges and universities are mostly built in a parallel mode of physical cards and virtual cards, but only virtual cards are used in pilot scenarios. Then, is the construction of college card using physical card, virtual card parallel mode or full virtual card mode? The following analysis of its advantages and disadvantages. 1. Physical card, virtual card parallel mode Advantages: Meet the needs of different groups of people, different consumption habits, retired veterans, people who are unwilling to accept emerging technologies, can also use the physical card that has become accustomed to, and college students who are capable of accepting new things can use Virtual card; meet the needs of different scenes, canteens and other places where people can use physical cards, convenient consumption, high efficiency, can not be used in the bathroom and other mobile phones can use the physical card, access control, channel machine, attendance, conference attendance and other personnel density Small, unfocused scenes can use virtual cards; meet the needs of people with different economic conditions and different ages. For those who do not or will not use smart phones, they can use physical cards to complete identification and consumption. Insufficient: The two modes are parallel, which greatly increases management and operating costs. The physical card is reserved, and the original card-making and card-printing printers, self-service card-removing machines, self-service storage devices and other ancillary equipments need to be retained. Although the virtual card can appropriately reduce the self-service equipment, the economic cost is still high; The cost increase is more prominent. With a virtual card, some users may no longer need a physical card, but as long as there are physical cards, it includes card making, card writing, card distribution, card replacement, card repair, card cancellation, etc. All need to be retained, and the management of virtual cards is added. In the financial management, the consumption of physical cards and virtual cards should be managed separately, which also increases the cost of financial reconciliation and financial management. In terms of technical solutions, The two sets of technical solutions, including physical cards and virtual cards, include the integration of two modes, which increases the cost of technical management. 2. Full virtual card mode Advantages: a set of technical solutions, a set of management modes, a set of financial reconciliation mode, and no longer deal with business related to physical card making, repairing cards, replenishing cards, etc., saving technical maintenance and management costs; canceling physical cards And related self-service equipment also saves a lot of economic costs. Insufficient: Certain scenarios are currently not available, and specific user groups are not used to it. Virtual card usage in specific environments Virtual cards can be used in various scenarios such as identification and consumption. With the upgrade of the scanning code equipment, the scanning code speed is improved, and the peak efficiency of the canteen consumption can be solved. However, because the virtual card uses the mobile phone as a carrier, how to use the virtual card to complete consumption in a humid environment such as a bathroom is a major problem encountered in the current virtual card construction process, and Dalian University of Technology is also trying to find a solution. The virtual card can be used in the bathroom scene to try to solve it through the locker. The specific scheme is as follows. Device function: Add functions such as scan code, write card, card reading, card out, card collection, and water return on the basis of the original function of the locker. Operation process: 1. The locker scans the virtual card on the user's mobile phone, reads the user information, and pops the door; 2. writes the card, writes the user information to the physical card (M1 or CPU card); 3. The card storage port of the locker pops up the physical card that has written the user information; 4. The user enters the bathroom with the physical card for consumption (the original physical card bathroom consumption mode); 5. The user inserts the physical card after the shower The locker takes the card slot; 6. Reads the card information, consumption information, and returns the card management platform; 7. Bounces the locker cabinet door, and the user consumes the end. Virtual card payment management mode At present, third-party payment represented by Alipay, WeChat payment, and UnionPay payment has become popular. So, is the card construction based on virtual card technology suitable for direct use of third-party payment models? Third-party payment has its own advantages, which is reflected in the fact that it is not necessary to transfer money to the campus wallet in the traditional mode and then pay, but to pay by direct payment. Although the third party can work closely with the university to solve the problem of multi-code integration with the campus code, the management cost of the university and the third-party payment company is higher. The third-party payment model is used in the mobile phone or In the case of a problem with the POS network, transactions cannot be completed; in terms of financial management and reconciliation, only third-party financial management platforms can be used, which are standard products, do not be customized, have poor flexibility, and third-party companies cannot open. At the data level, the school cannot independently develop the financial management and reconciliation platform to meet its own needs; when the user's bank card has no balance, the payment cannot be completed, although the third-party payment company is currently exploring a certain credit line for the school users, but the arrears are The settlement of work and other work will lead to a series of problems, which will increase the management costs of colleges and universities. Therefore, we believe that the construction of college card is not suitable for third-party direct payment. Instead, it uses the virtual wallet (pre-deposit) to use the third-party payment to transfer funds to the virtual wallet in the school and use the virtual wallet for consumption. This model can give colleges more technical and management autonomy, and is consistent with most of the current college card physical card consumption and financial management models, just replace the physical card with a virtual card. Despite the difficulties in using the virtual card to build a campus card under the current conditions, with the development of mobile technology and electronic payment technology, the performance of terminal equipment has improved, with the popularity of mobile payment and user habits, I believe the future. The virtual card in the college card construction will definitely replace the physical card. (The author unit is Dalian University of Technology Network and Information Center) Product details
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