Abstract: 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.