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Abstract. The smart card system has become an essential part of the digital campus. Recently the solutions based on SaaS in China have become popular for the advantages of less upfront investment, good service quality and convenience maintainability. But in colleges and universities there are many challenges. In this paper, we discussed the solutions for three challenges: personalized demand, system integration and information utilization. Firstly, it was suggested that different users should select the private cloud or public cloud mode. Next, the campus smart card system model based on SaaS was proposed. The model with layered architecture has good configurability, flexibility and integration metrics. Then, several methods were put forward to solve the integration between the card systems with other information systems. In addition, the IA theory was applied in the information retrieval, and the intelligent analysis examples of the card business data were discussed. At last we considered five kinds of configurability: data, function, workflow, portal and smart card, and a configurability management system based on metadata was presented.