TW201423626A - Cloud trading fulfillment and trust management system for prepaid goods and services and operating method thereof - Google Patents

Abstract

This invention relates to a cloud trading fulfillment and trust management system for prepaid goods and services and an operating method thereof operation, in which a transaction trust and automatic write-off management platform is established among the systems of prepaid goods and services providers, prepaid goods and services distributors, prepaid goods and services ticket system (providers), credit card acquiring banks, other payment instruments institutions, and lending institutions (trust bank or guarantee bank), in order to carry out electronic transactions trust and write-off and confirm that the prepaid goods and services have been provided, delivered and written off, so as to automatically write off, pay, and handle other fulfillment assurance processes. Furthermore, for each different type of service, a safety encrypted trust authorization write-off code is created for confirming the service write-off of the prepaid goods and services. The trust authorization write-off code can be provided to the consumer, who purchases the prepaid goods and services, through the selling distributors, service providers or ticket system vendors, thereby providing an unprecedented efficacy.

Description

Cloud transaction fulfillment and trust management system for prepaid commodity service and its operation method

The invention relates to a cloud transaction performance and trust management system for prepaid commodity service and a method for operating the same, mainly in a prepaid commodity service provider, a sales channel distributor, a ticket issuing system merchant, a credit card acquiring bank, and other payment instrument institutions. And the system of the credit granting unit establishes a cloud trading trust and automatic sales account management platform for electronic trading trusts and write-offs. It has been confirmed that the prepaid commodity services have been provided, cashed and written off, and the automatic sales fund is allocated. And other process providers for compliance protection.

Conventional one

For the use of prepaid merchandise coupons, such as merchandise coupons, coupons, etc., if a trust is required, it is usually necessary to deposit a sum equal to the par value in the trust bank, and the merchant is then commissioned by the trust bank. After the release, the specific process is shown in Figure 1:

1. The service provider (1) entrusts the prepaid merchandise service sales channel dealer (2) to sell the ticket.

2. The prepaid merchandise service distributors will deposit the information of the pre-issued coupons and the equivalent issuance amount into the trust bank (3), and entrust the trust bank (3) to print the coupons.

3. Trust Bank (3) commissioned printing factory (4) printed tickets

4. The Printing Factory (4) provides the "Printed Ticket Information" to the Trust Bank (3) in paper or electronic format. The printed ticket information is the basis for the collection of future ticket collection.

5. Trust Bank (3) Deliver the printed coupons to the distributors (2)

6. Selling distributors (2) are able to sell tickets to consumers (5)

The ticket write-off funding operation process is shown in Figure 2:

1. The consumer (5) holds the ticket to the service provider (1) for use.

2. The service provider (1) will collect the profit from the voucher (2) of the voucher.

3. The seller of the distributor (2) will withdraw the ticket to the trust bank (3).

4. The trust bank (3) allocates funds to the distributors after the inventory (2).

5. Selling distributors (2) Profits from the delivery of service providers (1).

The above service provider (1) and the sales channel provider (2) may have the same role.

Its disadvantages include:

1. The merchant needs to pledge an equal amount to the trust bank before issuing the ticket. Due to the consent of the trust bank and the issuance of the book, it takes a certain working day for the merchant to print the ticket to issue the ticket, or even two weeks. The paper ticket is recovered after use. The merchant manually counts the number of sheets recovered and asks the trust bank for payment. The trust bank must check the ticket collection when comparing the inventory at the initial issue, which will cause a serious human burden. .

2. The merchant can't immediately grasp the status of ticket circulation, and must wait until the inventory is completed before they can know the status of the consumer.

Convention II

For example, in the case of the Republic of China Invention Patent Application No. 98125445, a prepaid instant trust ticket issuing management system and method thereof are formed by using a database interface in a trust management server to specify a unique identification code for each transaction. A registration identification attribute code, and then through the network serial server to process, store, analyze the mining and the Ledger server to complete a trust management service request; although it can achieve the effect of instant management of ticketing, give the ticketing operation trust The basis of the chart, the third picture of the specification is the specific process of the patent, but there are still the following:

1. It is mainly for the ticketing process. The key point of the system is to inform the ticketing system to issue the ticketing action on the premise and conditions of the trust. However, after the consumer has used the ticket, how to write the account is not covered. Only in the fourth picture of the patent specification diagram, “the hotel has used the trust ticket to ask the system vendor, and the system vendor relies on the use of the trust ticket. The voucher system report is requested from Huatai Bank. It can be seen that the payment of the account is not automated, but is done manually and offline. However, it is the patent protection of the present invention.

2. The description of the specification refers to the process in the fourth point of the fifth figure. The application of a credit-granting institution, the credit collection mechanism of the acquiring bank and the designated trust bank, when the acquiring bank receives an authorization code request from the credit card device, The credit card required amount parameter is converted into a valued ticket amount and remitted to the trust bank for temporary storage hoarding, and then the remittance amount is at the same time as the trust bank, and the credit card device is returned to the credit card device to successfully give the transaction authorization approval reply. Signal. As mentioned above, it only responds to the credit card transaction status. If the ticket is purchased in cash through the merchant cashier, it cannot be transferred to the trust bank through the parameter transfer into the trust bank for temporary storage. Amount in trust bank At the same time, the reply signal of the transaction authorization is obtained.

3. On the other hand, when the acquiring bank receives an authorization code request from the credit card device, it also converts the amount of the credit card request parameter into the value of the ticket and remits it to the trust bank for temporary storage, and then remits the amount to the trust bank. At the same time, returning to the card swiping device, the card swiping device returns a reply signal that the billing bank successfully gives the transaction authorization, and the method is only applicable to the acquiring industry that can directly transfer the trust amount into the billing industry. The credit card device of the acquiring bank shall immediately return the reply signal of the transaction authorization.

4. The scope of application is only applicable to the goods and services of the one-time booking type (such as hotel accommodation vouchers), and it is not possible to perform the accounting operations for the whole batch of purchase and split-selling operations; Deferred nature of services, such as bulk-free purchases, non-use coupons (such as restaurants or various service industries), coupons; membership services purchased throughout the season or throughout the year (such as fitness centers, etc.); Or the purchase of the entire batch of purchase points, such as the use of points (such as game points), etc., can not provide automated sales and automatic remittance operations. For example, consumers buy 20 coupons at a time, but they use them one by one. In practice, they need 20 payments into the trust account, but they need to pay for the purchase. That is, the scope of the second use is not covered, and it is still a manual sales operation.

5. It can only be applied to the "selling distributor" and the same person as the "service provider", such as the type of hotel; if it is a different unit for the "service distributor" and the "service provider" Not applicable, such as the restaurant discount service issued by the online group purchasers, the "selling distributors" are online group purchasers and the "service providers" are restaurant operators; as there are no different "service distributors" and With the "Service Provider" for automated sales and profit splitting, the "Service Provider" can only be provided in full.

The invention solves the lack of flexibility and the tedious operation of the custom trust management process, and develops a cloud transaction performance and trust management system for prepaid commodity service and its operation method to solve the missing users, mainly in the service provider. Establish a cloud trading trust and automatic account management platform for electronic distribution between the systems of vending distributors, ticketing system vendors, credit card acquiring banks, other payment instrument institutions and crediting agencies (such as trust banks or guarantee banks). Transaction trust and write-off, confirming that prepaid merchandise services have been provided, cashed, and written off for automated sales allocation and Other compliance guarantee processes are handled. The present invention can also generate a secure encrypted trust authorization verification code for different types of services for the verification of the prepaid commodity service. The trust authorization verification code can be provided through the sales channel provider and service. The merchant, or the ticketing system provider, provides the consumer who purchases the prepaid merchandise.

The main operational flow concept of the present invention is as follows: 1. The merchant obtains the credit approval from the credit institution, such as the trust bank or the credit bank, on the platform of the present invention; 2. the consumer purchases the prepaid commodity or service from the merchant, which is through the platform of the invention Trust confirmation to the crediting unit; 3. The platform of the invention replies with a non-repeating encrypted serial number "trust authorization verification code" after recording the information; 4. The consumer obtains the "trust authorization verification code", and the "trust authorization verification code" Redeem the service or merchandise; 5. The merchant logs in the "trust authorization verification code" through the platform of the invention to perform the accounting operation; 6. The platform of the invention notifies the credit unit (trust bank or credit bank) according to the "trust authorization verification code" Marketing account operations.

The system of the present invention designs a control mechanism for the "transaction" and "trust" of the prepaid commodity service, as shown in FIG. 4, the control mechanism comprises the following three servers: a merchant server (21) and a cloud trust server ( 61), and the bank server (31), and the cloud trust server (61) can communicate with a ticketing server (91). The communication between the servers includes the internet or intranet transmission information, and the internet transmission information includes but not limited to https or FTP.

The above transmission data format includes but is not limited to compressed files in API message format or AES-256 encryption.

The cloud trust server (61) includes but is not limited to the following components, as shown in FIG. 4: a transport processing component (7001), a temporary processing component (7002), a database (7003), and a ticket processing component (7004), wherein The transmission processing component (7001) is processed: 1. Receives the data transmitted by the bank server or the merchant server, and responds to the success or failure of the reception. 2. The data processed by the editing temporary processing component is transmitted to the bank server or the merchant server, and the reply is repeated. Success or failure; temporary processing component (7002) processing: processing transaction trust through the temporary storage component and writing off all processes, including credit line processing, trust and write-off mode processing, data search/write/read processing, operation Encryption processing; The database (7003) is processing: storing the data processed by the temporary processing component and encrypting it by 3-DES.

The ticket processing component (7004) is processed: the temporary processing component needs to be edited into identifiable barcode information, including but not limited to QR-Code and one-dimensional barcode.

Referring now to the drawings, the specific operation mode of the present invention and its obtained effects are as follows:

Paragraph 1: The present invention is a cloud transaction performance and trust management system for prepaid merchandise services and a method for operating the same, which is applied to a prepaid merchandise service ticket trust, issuance, and write-off instructions, as shown in FIG. as follows:

Paragraph 2: Step 1: Selling distributors (2) Entrusting trusts to trust banks (3).

Paragraph 3: Step 2: Before the transaction occurs, or at the same time, the credit transaction information and the automatic account management platform (6) obtain the credit information from the trust bank and temporarily store it in the system database. The transaction amount shall not be greater than the control of the credit line.

Paragraph 4: Step 3: The service provider (1) puts the merchandise on the merchandiser (2).

Paragraph 5: Step 4: Consumers (5) purchase goods through credit card swiping at the merchandiser (2).

Paragraph 6: Step 5: Selling distributors (2) Obtain a transaction authorization from the granting unit (8) through the payment gate (7), such as a credit card acquiring bank; and at the same time, the granting unit (8) obtains trading information and clears all transactions on the day of the liquidation. The amount will be remitted to the trust bank (3) within the agreed working day.

Paragraph 7: Step 6: Selling distributors (2) Pass the order information of successful transaction authorization to the cloud trading trust and automatic sales management platform (6).

Paragraph 8: Step 7: Selling distributors (2) After confirming that the transaction amount is less than the credit limit, reply the different ticket requirements in the order information to the encrypted barcode format such as QR-Code, the barcode information can be regarded as one The “Trust Licensing Certificate” is passed back to the sales channel (2).

Paragraph 9: Step 8: Selling distributors (2) Edit the QR-Code into tickets for the ticket, or issue the ticket to the consumer through the ticketing system (9) (5).

Paragraph 10: Step 9: The Cloud Transaction Trust and Automated Sales Management Platform (6) transmits the “Trust Authorization Credential” information to the Trust Bank (3), and the Trust Bank (3) can announce the Trust related information on the Bank's website.

Paragraph 11: The above-mentioned ticket issuance process, in which steps 1 and 6 are more variable to the distributor (2) deposit the trust amount into the trust bank (3); the sales channel (2) to the cloud trading trust And the automatic sales account management platform (6) the information of the ticket to be issued; the cloud transaction trust and the automatic sales account management platform (6) to obtain the credit line from the trust bank (3), and the different tickets in the order information The demand response corresponds to the encrypted barcode and is passed back to the vendor (2).

Paragraph 12: The above-mentioned ticket issuance process, which can be used for transactions other than credit cards, including but not limited to ATM transfer, super-merity code payment, etc., and the way and place of obtaining the ticket can be directly received from the distributor. In addition, you can pick up tickets at the convenience store Kiosk, pick up your mobile phone newsletter, or pick up your mobile phone program.

Paragraph 13: The above-mentioned ticket issuance process, when the consumer receives the ticket, the bar code information on the ticket includes the "trust authorization certificate" information, and the consumer can hold the ticket to the prepaid service product provider to exchange the service. As shown in Figure 5, the ticket verification process is as follows:

Paragraph 14: Step 10: The consumer (5) holds the ticket to the service provider (1) for the redemption service.

Paragraph 15: Step 11: The service provider (1) writes down the ticket information through the Cloud Transaction Trust and the Automated Sales Management Platform (6) for verification.

Paragraph 16: Step 12: The Cloud Transaction Trust and Automated Sales Management Platform (6) transmits the daily write-off information to the Trust Bank (3) and instructs the Trust Bank to allocate funds.

Paragraph 17: Step 13: The Trust Bank (3) allocates funds to the designated sales channel (2) or service provider (1), or separately according to the set split ratio.

Paragraph 18: The above-mentioned process, in the specific embodiment of the present invention, is shown in Figure 4:

Paragraph 19: Step 2 The specific processing flow is to compile the credit limit requirement into a required format through the temporary storage processing component (7002) in the cloud trust server (61), the format record includes but is not limited to the following information: the sales channel provider Required column for code, service provider code, and trust bank account number Bit, and is converted by the transport processing component into a format that the bank server (31) needs to receive.

Paragraph 20: Preferably, the above step is that the transmission processing component (7001) performs MD5 hash verification on the information to prevent data tampering; the transmission processing component (7001) compiles the information transmitted by the temporary processing component (7002) into a credit limit requirement. The file (611) is transmitted to the bank server (31).

Paragraph 21: In response, the bank server (31) receives the credit limit request file (611) and replies the credit limit reply file (612) to the transmission processing component (7001), and the quota requirement file (611) records the information including but not Limited to credit totality, credit line batch code.

Paragraph 22: After receiving the data verification, the transmission processing component (7001) replies to the bank server (31) for successful notification, and transmits the information to the temporary processing component (7002) for processing; the temporary processing component (7002) The information of the credit limit requirement file (611) and the credit limit reply file (612) is compared and merged, and the data is written into the database (7003) after confirmation.

Paragraph 23: Step 6: The specific processing flow is that the merchant server (21) transmits the transaction data import file (211) to the transmission processing component (7001) in the cloud trust server (61), and the transmission processing component (7001) verifies the information. Afterwards, the success message is sent to the merchant server (21), and the transaction data is transferred to the file (211), and the record information is transmitted to the temporary processing component (7002) for subsequent processing; the transaction data import file (211) records information includes However, it is not limited to the sales channel number, service provider number, order number, item number, item number, item category, item name, order payment amount, item amount, payment method, payment time, transaction authorization code, and split. Proportion of fees.

Paragraph 24: In the above, the purpose of separately recording the order number and the item number is that the consumer may have multiple different items in one order at the time of the transaction.

Paragraph 25: According to the above, the commodity number of the above record is the classification of the commodity type, such as: Jindian Hotel accommodation coupon commodity number A01, Golden Code hotel coupon number B01; the recorded item number is a discontinuous unique value, such as the Golden Hotel coupon 0001, Golden Hotel Restaurant coupon 0002, is the unique number of a specific ticket, like the identity number of the identity card, this number corresponds to the "trust authorization verification code".

Paragraph 26: In the above, the purpose of the above-mentioned record splitting fee ratio is to have different profit feedback ratios according to different commodity numbers, and the recording method is x%+y. Yuan, such as 70% of sales channels and 30% of service providers. The purpose is to allocate the proportion of the trust's performance appropriations in the future.

Paragraph 27: Step 7: The specific processing flow is to find the total credit amount recorded in the database (7003) for the temporary storage processing component (7002) in the cloud trust server (61), and verify the total credit amount after the credit total amount is greater than the order amount. Write the database update value after deducting the order amount.

Paragraph 28: In the above, the temporary processing component (7002) merges the information of the transaction data into the file (211) for comparison and merges into the database (7003) after confirmation.

Paragraph 29: In the above, the temporary processing component (7002) feeds the transaction data into the file (211) and the item number corresponds to the designated "trust authorization verification code", and the trust authorization code is verified by using the unique encryption logic. When the output is written into the database (7003), the information "unapplied" is added.

Paragraph 30: In the above, when the above steps need to be issued to the consumer, the temporary processing component (7002) sends the data to the ticket processing component (7004) into a recognizable barcode format, including but not limited to the QR-Code format. Or a one-dimensional barcode format and returning the temporary processing component (7002); the temporary processing component (7002) writes the information into the database (7003), and combines the information into a transaction data reply file (212) for transmission. The processing component (7001) is further transmitted to the server by the file format required by the transmission processing component (7001) to be compiled into the merchant server (21).

Paragraph 31: The above information of the transaction data reply file (212) includes, but is not limited to, the channel number, the supplier number, the order number, the item number, the item number, and the transmission format of the identifiable barcode.

Paragraph 32: Step 9: The specific processing flow is that the temporary processing component (7002) in the cloud trust server (61) compiles the information required by the trust bank or the credit institution into a transaction data file (613); and transmits the processing component (7001). ) Transfer to Trust Bank (3).

Paragraph 33: The transaction data file (613) records information including the sales channel provider number, service provider number, order number, product number, item number, product category, product name, order payment amount, product amount, payment method, Payment time, transaction authorization code, and split handling fee ratio.

Paragraph 34: Steps 10 to 13 are detailed in Figure 6:

Paragraph 35: Step 11 The specific processing flow is through the cloud trust server (61) Give the sales channel provider or prepaid product service provider a back-end management interface. The management interface is the webpage foundation. After login account password authentication, it can manage the functions such as write-off, appropriation, ticket invalidation, etc. In the case of a voucher, it is written off by logging in to the "Trust Authorization Write-off Code".

Paragraph 36: In the above process, the above process can be verified by using a connected computer (13) and a plug-and-play barcode reader (14) to scan the barcode or QR-Code.

Paragraph 37: In the above, the above process can be verified by scanning the barcode or QR-Code through a POS machine (12) and a barcode reader (14).

Paragraph 38: In the above process, the above-mentioned process can transmit the verification information to the cloud trust server by means of the API message through the merchant server (21); the merchant server (21_ can control the POS machines under the internal network mode (11) ) Write off.

Paragraph 39: In the above, the above-mentioned verification information is searched for through the temporary processing component (7002) to compare the item number information recorded in the database (7003), and the "unapplied" information is changed to "applied". Saved in the database (7003).

Paragraph 40: Step 12: The specific processing flow is that the temporary processing component (7002) in the cloud trust server (61) searches for the item number of the "approved" at a fixed time, and the comparison is in the database (7003). The corresponding bank account of the corresponding service provider or the sales channel provider, and adding a batch number to create a transmission file indicating that the funding file (614) is transmitted to the bank server (31) through the transmission processing component for subsequent funding action.

Paragraph 41: Step 13 Preferably, the bank server (31) replies to the cloud trust server (61) "grant result notification file" to notify the funding status.

Paragraph 42: The purchase process for member-type prepaid products is not particularly changed. The transaction data transfer file sent by the merchant server to the cloud trust server needs to add two fields, that is, the total number of periods and the start date, and Category indicates member products. After the purchase process, the consumer receives a "trust authorization verification code", but does not need to go to the service provider to write off the action, but through the total number of periods and the start date, the deadline for fulfilling the performance, such as a 120,000 The one-year member product will be split for 12 months on April 1st, and the system will automatically split the amount for 12 months. The "trust authorization verification code" held by the consumer can be checked on the bank's website for the remaining protection. Amount.

Paragraph 43: Through this system, it can be applied to a prepaid commodity for the denomination of consumption. A membership card that can be used for ten times of service. The “trust authorization verification code” held by the consumer is split for ten times, and the merchant splits. Ten requests.

Paragraph 44: Through the system, it is applicable to apply for one-time counterfeit goods for multiple tickets, such as commodity A coupon + commodity B coupon exchange service C.

Paragraph 45: In summary, the prepaid merchandise service to which the present invention is applied includes: a coupon for use (such as a restaurant or various service industries) and a discount coupon; a member service of the whole season or a whole year (such as a fitness center) Or) or the number of points purchased in the whole batch is based on the transaction type of the type of service goods (such as game points), and provides the automatic write-off action of the order, the month, the month, and the year.

Paragraph 46: By the aforementioned operational control mode, the present invention clearly achieves the following advantages:

1. Improve the problem of limited transaction process and insufficient control of the trust: The second application is only for the credit card transaction and the credit card device to return the successful transaction signal into the processing of the ticket. The invention treats the transaction authorization and the trust authorization independently, regardless of the transaction. Generated, when there is a trust request for a prepaid merchandise service, the request information is transmitted to the cloud trust trust server to request the trust authorization permission. The advantage of this process design is that when the transaction authorization fails, the transaction can be generated by other means, and the trust is obtained from the cloud trust server. At the same time, the trust bank can also query all transaction dynamics through the management interface of the invention, instead of passively receiving the transaction. A single line tells the transaction to generate and wait for the amount to be remitted.

2. The present invention can also serve as a transaction authorization approval reply function of the conventional ticketing system, which can complement the second use of credit card transaction reply authorization and cannot achieve the trust control purpose. The invention can provide a trust credit mechanism. The bank can update the trust authorization code in a timely manner and can be queried by consumers on the trust bank website. In addition, the trust authorization code can be used to write off the linkage mechanism, which saves the practice of manual application.

3. When the ticket is issued by the distributor, and the prepaid commodity service distributor has many suppliers, the system must judge that the ticket of different suppliers can only be used by the supplier, the background transaction record It can also be displayed for different suppliers. The system of the present invention utilizes a record of one level, and each item included in each transaction has a separate identification bar code. In order to allow suppliers to see the status of each individual transaction and the use of tickets, to achieve effective management and safety.

Paragraph 47: In summary, the present invention has the requirements for an approved patent, but the above application embodiment is only a preferred illustrative example, and is not intended to limit the practical application scope of the present invention, and the application under the same creativity. Or partial modifications are still covered by the invention patent. For example, the management method of the present invention is applied to trust management of regular fee payment, such as a fitness center or a cram school, so that the full-time fee paid by the consumer is paid to the merchant according to the time limit of each certain period, but Avoid the temporary sudden closure and seek for a dilemma without a door, and obtain the security control effect.

1‧‧‧Service Provider

2‧‧‧Selling distributors

3‧‧‧trust bank

4‧‧‧Printing house

5‧‧‧ Consumers

6‧‧‧Cloud Trading Trust and Automated Sales Management Platform

7‧‧‧Transaction gate

8‧‧‧Appropriation Unit

9‧‧‧ ticketing system (business)

11‧‧‧Business intranet POS system

12‧‧‧Business External Network POS System

13‧‧‧Webpage

14‧‧‧ barcode gun

21‧‧‧Business Server

31‧‧‧Bank server

61‧‧‧Cloud Trust Server

91‧‧‧ Ticket Server

211‧‧‧ Transaction data remitted

212‧‧‧Transaction data reply file

611‧‧‧ credit line requirements

612‧‧‧ Credit line reply file

613‧‧‧ transaction data file

614‧‧‧Instructed appropriation file

7001‧‧‧Transmission processing components

7002‧‧‧Scratch processing components

7003‧‧‧Database

7004‧‧‧ ticket processing components

Figure 1 is a flow chart of the application of prepaid merchandise (vouchers) and trust management.

Figure 2 is a flow chart of another conventional prepaid commodity (ticket) write-off appropriation and trust management.

Figure 3 is a flow chart of the issuance and trust management of the present invention

Figure 4 is a flow chart of the implementation of the issuance and trust management of the present invention

Figure 5 is a flow chart of the sales account and trust management of the present invention

Figure 6 is a flow chart of the specific implementation of the sales account and trust management of the present invention

1‧‧‧Service Provider

2‧‧‧Selling distributors

3‧‧‧trust bank

4‧‧‧Printing house

5‧‧‧ Consumers

6‧‧‧Cloud Trading Trust and Automated Sales Management Platform

7‧‧‧Transaction gate

8‧‧‧Appropriation Unit

9‧‧‧ ticketing system (business)

Claims (15)

Cloud transaction performance and trust management system for prepaid commodity service and its operation method, mainly in prepaid commodity service providers, prepaid commodity service distributors, prepaid commodity service ticketing systems (business), credit card receipts Establish a cloud transaction trust and automatic account management platform and a secure encrypted trust authorization verification code between the bank, other payment instrument institutions and the trust bank or the guarantee bank system to confirm the prepaid commodity service verification, of which the main The operation method includes the following steps: (i) the merchant obtains the credit approval from the credit institution, such as the trust bank or the credit bank, through the cloud transaction trust and the automatic account management platform; (ii) the consumer purchases the prepaid goods or services from the merchant, and the merchant The cloud trading trust and the automatic sales account management platform perform the trust confirmation to the crediting unit; (iii) the cloud trading trust and the automatic sales accounting management platform record the information and reply with a non-repeating encrypted serial number trust authorization verification code; (iv) the consumer obtains The trust authorizes the verification code and redeems the service or commodity with the trust authorization verification code; (v) the merchant through Trusts and end transaction management platform to automatically write-off write-off code to log Trust authorized write-off operations; (vi) Trust transactions cloud management platform to inform and automatic write-off write-offs of credit operations based on trust units authorized verification code. A cloud transaction performance and trust management system for prepaid merchandise services and a method for operating the same, which are applied to a prepaid merchandise service ticket trust, issue, and write-off step: Step 1: Selling a distributor (2) to a trust bank ( 3) Entrusted trust; Step 2: Before the transaction occurs, or at the same time, the credit transaction information and the automatic sales account management platform (6) obtain the credit line information from the trust bank and temporarily stored in the system database. The transaction amount shall not be greater than the management and processing of the credit line; Step 3: The service provider (1) will put the goods on the sales channel (2); Step 4: Consumers (5) in the sales channel (2) Purchase credits by credit card method; Step 5: Selling distributors (2) obtain the transaction authorization from the funding unit (8) through the payment gate (7), such as the credit card acquiring bank, and the funding unit (8) obtains the transaction information. Clear all transaction amounts on the day of the liquidation and pay the amount within the agreed working day Remittance to Trust Bank (3); Step 6: Selling Distributors (2) Transfer the order information of successful transaction authorization to Cloud Transaction Trust and Automated Sales Management Platform (6); Step 7: Selling Distributors (2) After confirming that the transaction amount is less than the credit limit, the different ticket requirements in the order information are replied to the encrypted barcode format such as QR-Code, and the barcode information can be regarded as a "trust authorization certificate" and returned to the sales channel. Business (2); Step 8: Selling distributors (2) Edit the QR-Code into tickets for the ticket, or issue the ticket to the consumer through the ticketing system (9) (5); Step 9: Cloud Trading Trust and Automated Sales Management Platform (6) Pass the “Trust Authorization Credential” information to the Trust Bank (3), and the Trust Bank (3) can announce the Trust related information on the Bank Website; Step 10: Consumers (5) Hold the ticket to the service provider (1) for the redemption service; Step 11: The service provider (1) writes the ticket information through the cloud transaction trust and the automatic account management platform (6) for verification; Step 10 Second: Cloud Transaction Trust and Automated Sales Management Platform (6) transmit daily write-off information to Trust Bank (3), and instruct the trust bank to allocate funds; Step 13: Trust Bank (3) allocate funds to designated sales channel providers (2) or service providers (1), or separately according to the set split ratio . The cloud transaction performance and trust management system and the operation method thereof for the prepaid commodity service described in claim 1 or 2, wherein the control mechanism includes a management server (21) and a cloud trust servo. (61), and the bank server (31), the communication between the servers includes the internet or intranet transmission information, and the internet transmission information includes but not limited to https or FTP. The cloud transaction performance and trust management system and the operation method thereof for the prepaid commodity service described in claim 3, wherein the cloud trust server (61) includes, but is not limited to, a transmission processing component (7001), The storage processing component (7002), the database (7003), and the ticket processing component (7004); the transmission processing component (7001) processes: (a) receiving the data transmitted by the bank server or the merchant server, and responding to the success or failure of the reception. (b) The data processed by the editing temporary processing component is transmitted to the bank server or the merchant server, and the reply succeeds or fails; the temporary processing component (7002) is processed: the transaction trust is processed through the temporary storage component and the transaction is written off. , including credit line processing, trust and write-off mode processing, data search/write/read processing, calculation and addition Confidential processing; database (7003) processing: storing the data processed by the temporary processing component, and can be encrypted; the ticket processing component (7004) is processing: the temporary processing component needs to be edited into identifiable barcode information. For example, the cloud transaction performance and trust management system and its operation method of the prepaid commodity service mentioned in the second paragraph of the patent application, wherein the detailed process of the second step is: (i) temporary storage in the cloud trust server (61) The processing component (7002) compiles the credit limit requirement into a required format, including but not limited to the following information: the sales provider code, the service provider code, the necessary field of the trust bank account number, and the transfer processing component Compiled into the format that the bank server (31) needs to receive; (ii) the preferred method is that the transmission processing component (7001) performs MD5 hash verification on the above information to prevent data tampering; the transmission processing component (7001) is temporarily stored. The information transmitted by the processing component (7002) is compiled into a credit quota request file (611) and transmitted to the bank server (31); (iii) the bank server (31) receives the credit limit request file (611) and then returns the credit limit reply file. (612) a transmission processing component (7001), the quota requirement file (611) recording information includes but is not limited to a credit totality, a credit quota batch code; (iv) a transmission processing component (7001), after verifying the data, replying to the bank The server (31) successfully notifies and transmits the information to the temporary processing component (7002) for processing; the temporary processing component (7002) performs the information of the credit quota request file (611) and the credit limit reply file (612). The comparison is merged and written into the database (7003) after confirmation. For example, the cloud transaction performance and trust management system and its operation method of the prepaid commodity service described in the second paragraph of the patent application, wherein the specific implementation manner of the steps 4-6 is: the merchant server (21) transmits the transaction data into the file. (211) to the transmission processing component (7001) in the cloud trust server (61), the transmission processing component (7001) verifies the information and returns a success message to the merchant server (21), and merges the transaction data into the file ( 211) The record information is transmitted to the temporary processing element (7002) for subsequent processing; the transaction data import file (211) records the information including but not limited to the sales channel number, service provider number, order number, item number, product Item number, product category, product name, order payment amount, commodity amount, payment method, payment time, transaction authorization code, and split handling fee ratio; The above records the order number and the product number separately, so that the consumer can have a plurality of different commodities in one order at the time of the transaction, the commodity number of the above record is the type of the differentiated commodity, and the proportion of the above-mentioned record splitting fee is different for different commodity numbers. Feedback ratio. For example, the cloud transaction performance and trust management system and the operation method thereof for the prepaid commodity service described in the second paragraph of the patent application, wherein the specific implementation manner of the step 7 is: (i) the temporary trust processing in the cloud trust server (61) The component (7002) finds the total credit amount recorded in the database (7003), and after verifying that the total credit amount is greater than the order amount, the total credit amount is deducted from the order amount and then written into the database update value; (ii) the temporary processing component ( 7002) The transaction data is merged into the file (211) for comparison and comparison, and the confirmation is completed and written into the database (7003); (iii) the temporary processing component (7002) merges the transaction data into the file (211). The item number in the corresponding item corresponds to the designated “trust authorization verification code”. The trust authorization code is to add the information “unapplied” when using the unique encryption logic to check the output and write it into the database (7003); (iv) When the above steps need to be issued to the consumer, the temporary processing component (7002) sends the data to the ticket processing component (7004) into a recognizable barcode format, including but not limited to the QR-Code format, or the one-dimensional barcode format. And return the temporary processing component (7002); temporary storage The component (7002) writes the information into the database (7003), and combines the information into a transaction data reply file (212) in the transmission processing component (7001); and then compiles into a merchant server through the transmission processing component (7001) ( 21) The required file format is transferred to the server. For example, the cloud transaction performance and trust management system and the operation method thereof for the prepaid commodity service described in claim 2, wherein the specific implementation manner of the step 9 is: the temporary processing component in the cloud trust server (61) ( 7002) Compile the information required by the trust bank or credit institution into a transaction data file (613); and transmit it to the trust bank (3) through the transmission processing component (7001). For example, the cloud transaction performance and trust management system and its operation method of the prepaid commodity service mentioned in the second paragraph of the patent application, wherein the specific implementation manner of the steps 11 to 13 is: the vendor is given through the cloud trust server (61). A channel management interface for the distributor or prepaid product service provider. The management interface is the webpage foundation. After the login account password is authenticated, the functions such as verification, appropriation, and ticket revoking can be managed. When the ticket is to be verified , write-off by logging in to the "Trust Authorization Write-off Code". The cloud trading performance and trust management system and its operation method of the prepaid merchandise service as described in the ninth application of the patent application, the management interface is a computer (13) and a plug-and-play barcode reader that can be accessed through a connection. (14) Scan the barcode or QR-Code for login verification. The cloud transaction performance and trust management system and its operation method of the prepaid merchandise service as described in claim 9 of the patent application, the management interface is scanned by a POS machine (12) and a barcode reader (14) Bar code or QR-Code is written off. For example, the cloud transaction performance and trust management system and the operation method of the prepaid commodity service described in claim 9 of the patent application, the management interface is that the verification information can be transmitted to the cloud by API message through the merchant server (21). The trust server; the merchant server (21) can control the POS machines (11) under the control of the internal network. For example, the cloud transaction performance and trust management system and the operation method thereof for the prepaid commodity service described in claim 2, wherein the specific processing flow is the temporary processing component in the cloud trust server (61) ( 7002) Search for the item number of “Approved” at a fixed time, compare the account number of the corresponding service provider or vending merchant in the database (7003), and add a batch number. A transfer file indicates that the grant file (614) is transmitted to the bank server (31) via the transport processing component for subsequent funding actions. For example, the cloud transaction performance and trust management system and the operation method thereof for the prepaid commodity service described in the first or second patent scope are applied to the cloud trust server for the purchase process of the member type prepaid product. In the transaction data remittance file, two fields need to be added, that is, the total number of periods and the start date are included, and the category is marked with member products. The consumer receives a “trust authorization verification code” after the purchase process, but does not need to The service provider performs the write-off action, but divides the deadline for fulfillment of the performance through the total number of periods and the start date. For example, the cloud transaction performance and trust management system and its operation method of the prepaid commodity service mentioned in the scope of patent application No. 1 or 2 can be purchased by the consumer through credit card, ATM transfer, supermarket code payment, etc. The way and location can be used for the convenience store Kiosk ticket collection, mobile phone newsletter ticket collection, mobile app program to pick up tickets.