Campus Bus Card Verification Scheme

I. Basic Identity Authentication

1. ‌Student/Staff ID Binding‌
   Users must input their student/staff ID (or national ID number), name, and initial password (default: last six digits of ID number; replace "X" with "0" if applicable) during first-time registration for identity verification.

2. ‌Password Management‌
   Users can modify the initial password and set a transaction password for account security. The system enforces regular password updates to prevent misuse.

II. Multi-Platform Virtual Card Authentication

1. ‌WeChat/Alipay Integration‌

   • Bind accounts via the "Perfect Campus" WeChat official account or the "Campus E-Code" Alipay mini-program by selecting the institution and completing real-name authentication.
   • Bank card linkage requires verification of the registered mobile number for fund security. China Construction Bank cards support quick binding via ID number, while others require manual ID verification (front/back scans) .

2. ‌Dynamic QR Code Payments‌
   Virtual cards generate dynamic QR codes refreshed in real-time to prevent screenshot fraud. Users can directly use WeChat/Alipay native payment codes for transactions.
   

III. Physical Cards & Biometric Support

1. ‌NFC-Enabled CPU Cards‌
   Physical cards use NFC technology for rapid authentication in scenarios like cafeterias and access control, while maintaining backward compatibility with legacy systems.

2. ‌Facial Recognition Payments‌
   Deploy facial recognition terminals in high-frequency venues (e.g., cafeterias, stores) to enable contactless verification and payments, reducing reliance on physical cards.

IV. Tiered Access Management

Different user groups (e.g., faculty, students, visitors) are assigned customized spending limits and access permissions:

• ‌Student Cards‌: Daily spending caps and restricted access to academic zones.
• ‌Visitor Cards‌: Temporary validity periods and limited activity areas.
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V. Security & Exception Handling

1. ‌Mandatory Real-Name Verification‌
   Users failing to complete authentication within the deadline will have third-party payment functions restricted, retaining only basic physical/virtual card usage.

2. ‌Anomaly Monitoring & Resolution‌
   Real-time detection of suspicious transactions (e.g., frequent micro-payments) triggers SMS alerts or temporary account freezes. Users can submit unfreeze requests via self-service terminals or online channels.

This multi-dimensional authentication framework balances convenience and security, suitable for integrated campus scenarios including payments, access control, and attendance tracking.