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Early bank card through magnetic stripe record account information, itself storage capacity is small, no calculation function can not encrypt decryption, so security is poor. Transactions must be made through the ATM, POS, etc. connected to the main server, for trading. The card itself only acts as a record account. This type of magnetic stripe bank card use scope limited to the bank's contracted customers, the use of the need to enter a password, swipe tablets. For large payments, this approach is undoubtedly essential, but more and more applications are fast, frequent, non-contact, small, offline, such as public transport card, food and beverage, water, electricity, coal, communications, social security and other needs.

Campus card belongs to intelligent IC cards, the goal of the initial design in order to facilitate the consumption of credit card, improve the efficiency of small payments, can significantly reduce cash volume. Another goal is identity authentication, identity identification, for access control, channel machine, check-in and other needs to identify the system.

Disadvantages:

The disadvantage of campus card is: Pay attention to credit card consumption, but do not consider the financial function, that is, the function of online payment. Magnetic stripe bank Card disadvantage is: Pay attention to the financial function, but no offline small card payment function

Development trend:

Campus card started relatively late, basically a smart card, so in the technology above the magnetic stripe card, if you want to increase the e-commerce function, you must solve the card account, the library account does not match the problem, because the e-commerce for non-swipe operation, so a card database account of the amount of money changed, but the cards account unchanged, causing Cacou uneven ", although can be reconciled. However, since the first card design is through the card operation, so the likelihood of Cacou is very small, if there are large inequalities, the system will be considered abnormal, the card account locked.

When the e-commerce function is added, the account operation is changed from the original single card account to the card account and the bank account. This "Cacou" is a normal phenomenon, not an anomaly. There are several solutions to the solution:

(1) To increase the electronic wallet function

It is only used for online e-commerce consumption to circle the money of a bank card or a cartoon account into an electronic wallet.

(2) The money of the fixed bank account, and the money that is directly tied to the card ring payment

(3) Third party payment is added, and the card only plays an identity authentication function throughout the transaction.

The bank card starts early, adopts the technology backwardness, the former magnetic stripe storage capacity is low, does not have the computation ability, cannot satisfy the offline swipe the need, therefore first must adopt the chip the smart card in the hardware, can satisfy the more business demand. Bank cards in the electronic commerce has done very well, so to solve is to store more information on the chip, such as adding card account function, in order to achieve small, off-line, contactless swipe function. The problem is also "Cacou", only one solution is the electronic wallet.

The money in the bank card account is circled into the e-purse, and then the small credit card consumption is zouzhang from the wallet's account. For security can be set up a number of electronic wallets, for different applications, such as: Social Security, public transport, gas, telecommunications have their own electronic wallets, so that the flow and balance can be controlled separately. Achieve a card in hand, life without worry.

Through the above analysis, we found two cards, the most "end of the same", there is a long-lasting trend, although both end with a financial function of the Smart IC card as the ultimate goal, by increasing the E-wallet method to solve the Cacou inequality, but the two focus on different: The bank card is focused on social services, facing the public, A card in the hands of the world. Campus card is confined to the school scope, has a certain degree of closeness, exclusivity. With the increasingly close cooperation between banks and campuses, there is a tendency for the future of campus cards and bank cards to merge. But at the practical level, school management does not want to bind the whole school to a bank so tightly. Because the campus card also has the identity function, it replaces the work permit and the student card, if is merged with the bank card, in many security questions also waits for the more legal explanation, the policy stipulation.