TW202046202A - Trusted ticket transaction management system for prepaid commodities and implementation method thereof can provide the management of prepaid commodities and the functions of transaction, verification, funding and refund of trusted notes corresponding to prepaid commodities - Google Patents

Abstract

The invention provides a trusted ticket transaction management system for prepaid commodities and its implementation method. The system of the invention provides an application programming interface (API) that can be interfaced with note issuers, sellers, banks, and acquirers through a communication network to perform data exchange of cash flow and information flow. The acquirer is directly connected with the designated trusted account for prepaid commodities through the system of the invention. When the seller sells the prepaid commodities and the deduction is successful, the acquirer will directly deposit the sales amount into the trusted account, and a trusted authorization code is generated by the acquirer. The trusted authorization code and the note voucher code are sent to the seller through the system of the invention to be output as a physical ticket or directly sent to the consumer for use in the form of an electronic ticket containing the trusted authorization code and the note voucher code.

Description

Trust ticket transaction management system for prepaid commodities and its establishment method

The invention relates to a prepaid commodity transaction management system, in particular to a prepaid commodity trust ticket transaction management system and a construction method thereof, which can provide prepaid commodity management and trust ticket transaction corresponding to the prepaid prepaid commodity , Verification, appropriation and refund functions can reduce the issuance cost of the ticket issuer and realize the rapid trust processing and transaction security of the trust ticket.

Due to the rapid development of information technology (IT) e-commerce, prepaid products have emerged in order to increase profits and strive for more business opportunities in a modern business society; consumers use gift certificates, magnetic cards, chip cards, electronic points and electronic tickets, etc. Various forms of payment in advance and then deferred acquisition of goods or services provided by suppliers have become very popular. Suppliers of prepaid goods or services will first deliver the consumer's corresponding vouchers after the consumer pays the payment, as the vouchers for future consumers to request the supplier to deliver the relative goods or provide services. Such vouchers can be divided into physical vouchers ( Such as physical gift certificates or tickets) and electronic vouchers (such as voucher serial number); the conventional voucher does not have any corresponding performance guarantee. When consumers use the above voucher, the prepaid commodity supplier may not be able to deliver for some reason When goods or services are provided, and consumers have nowhere to seek compensation, many consumer disputes arise.

In order to protect the rights and interests of consumers, Taiwan has implemented a performance guarantee system for gift certificates for goods and services since 2006, requiring that the companies issuing gift certificates must use five mechanisms (trust, bank performance) Choose one of the contractual guarantee, inter-industry mutual insurance, guild guarantee, and other performance guarantee methods approved by the Ministry of Economic Affairs and approved by the Consumer Protection Division of the Executive Yuan) to protect consumer rights. Among them, the issuance of gift certificates or coupons using trust and bank performance guarantee mechanisms is generally referred to as "trust coupons." According to regulations, the issuer of trust coupons (the settlor) should report the expected issuance The total amount of the denomination of the trust bills is trusted to the trustee bank (the trustee). The two parties sign a trust contract. The trustee bank manages or disposes of the trust property in accordance with the trust contract. When the consumer actually obtains the goods or services delivered by the issuer, The issuer can only claim back the trust property. However, according to the above-mentioned trust mechanism, the ticket issuer needs to prepare a guarantee deposit equivalent to the total amount of the trust notes to be issued before printing and issuing physical bonds, and deposit the guarantee money into the designated account of the trust bank , For the ticket issuer, it is a substantial financial burden.

In the published Taiwan invention patent (application number: 096108371), a "value certificate ordering system and method" is proposed, which mainly connects the browser, the system, several relay servers, several authentication servers, and Several service providers. Visitors use this system to purchase valuable vouchers through the Internet. After the payment is authenticated, the electronic payment is completed by obtaining the authentication code. After that, the valuable vouchers can be printed, and the authentication code including the bar code is printed on the value vouchers. Background patterns designed by service providers. According to the known patent technology, the value certificate ordering system includes: the host and relay server on the system side, and the authentication server on the authenticating side; after the viewer purchases the value certificate and completes the payment, it needs to be built in the trust bank The authentication end checks the guarantee limit of the service provider, and the remaining guarantee limit can complete the transaction of the value certificate, and hand it to the viewer to print the value certificate; in other words, the service provider who wants to sell the value certificate still needs to pay the expected sale price The total amount of the voucher was deposited in the designated account of the trust bank, which still did not solve the pressure of the service provider to deposit funds.

On the other hand, the aforementioned patented technology requires the establishment of a certification server on the certification side. However, the trust business undertaken by trust institutions (such as trust banks) as the certification side is not limited to the trust business of valuable certificates, so trust banks have usually built It has its internal information system and related servers to manage other trust businesses and even trust businesses that already include valuable certificates. The construction of the aforementioned patented technology will obviously overlap with the trust bank’s existing trust business system, in addition to increasing the construction cost. Need to solve the problem of cross-system integration. For service providers selling value vouchers, if they want to manage and maintain value vouchers, they still need to go through the system operators who have built a "value vouchers ordering system", which is obviously extremely inconvenient and increases the work of the system operators.

In order to solve the pressure of the above-mentioned service providers’ pre-deposited funds, as well as the problems of the construction cost and system integration of the aforementioned patented technology, the inventor proposed a trust ticket transaction management system and its construction method (see Taiwan Invention Patent Certificate No. I 597680), it can provide the functions of prepaid commodity management, transaction, verification, appropriation and refund of trust coupons corresponding to prepaid prepaid commodities, and has the advantages of low construction cost and easy commodity management. In the invention patent technology proposed by the present inventor, after receiving the transaction order data from the sales terminal, the transaction management system first sends the transaction order data to the trust terminal and requests a trust authorization code from the trust terminal. After the trust authorization code, the payee (usually the acquiring bank connected to the sales end) sends a credit instruction and the trust authorization code to instruct the payee to deposit the trust money into the trust account designated by the trust end, and finally The ticket voucher code is sent to the sales terminal for output as a physical ticket or directly sent to consumers in the form of an electronic ticket containing the ticket voucher code. Among them, it is necessary to obtain the trust authorization code from the trust terminal, and then the acquirer will deposit the trust funds into the trust account, and finally output the physical or electronic coupons through the sales terminal. There are many processing steps and involve the receiver and the trust terminal system. Interface, there is room for improvement.

The technical problem to be solved by the present invention is to provide a trust ticket transaction management system for prepaid commodities and a construction method thereof to improve the processing speed of the aforementioned invention patent I 597680.

According to an embodiment of the prepaid commodity trust ticket transaction management system of the present invention, the system includes: a transaction server, the transaction server provides an application program interface, ticket issuers, sellers, banks, and acquirers can access The communication network is interfaced with the application program interface of the transaction server for data exchange of cash flow and information flow; the transaction server includes: a commodity database for storing commodity data of prepaid commodities; and a transaction The database is used to store the order information and trust ticket information of the prepaid commodity and its corresponding trust ticket; a trust ticket transaction management program, processing the trust ticket transaction, verification and authorization to print the trust ticket The operation of the coupon, as well as the access and update operations of the order data of the trust ticket and the coupon information in the transaction database; a commodity management program, which is interfaced with the ticket issuer through the application program interface, Provide ticket issuers with the functions of managing and maintaining prepaid commodities, including the operations of putting prepaid commodities on, off shelves and modifying; a notification message generator responsible for generating and sending transaction messages and electronic tickets to the sales terminal and/or Consumers; a trust authorization processing program, responsible for the exchange of information flow and cash flow data with the sales terminal and the acquiring bank for trust, grants and refunds through the bank and the acquiring bank Operation; and a ticket voucher code generator for generating corresponding ticket voucher codes based on the prepaid commodities recorded in the order information; wherein the trust ticket transaction management program receives the order information from the sales terminal, The trust authorization processing program sends the order information to the acquiring bank and requests a trust authorization code from the acquiring bank. After the deduction is successful, the acquiring bank deposits the sales amount of the prepaid goods into the designated trust account, and then generates a corresponding order information A trust authorization code is sent back to the trust authorization processing program; after the trust authorization processing program obtains the trust authorization code, the trust ticket transaction management program informs the ticket voucher code generator to generate the ticket voucher code, and then combines the trust authorization code and the ticket The coupon code is sent to the sales terminal through the notification message generator to be output as a physical coupon or directly sent to consumers in the form of an electronic coupon containing the trust authorization code and the coupon code.

As a preferred embodiment of the trust ticket transaction management system for prepaid commodities of the present invention, the trust authorization code and the ticket voucher code are printed on the physical ticket or electronic ticket in the form of a QR Code.

As a preferred embodiment of the trust ticket transaction management system for prepaid commodities of the present invention, it includes a biometric information reader disposed at the sales end to obtain the biometric information of consumers who purchase prepaid commodities. The biometric information corresponds to the order data, and the biometric information is stored and recorded in the transaction database along with the trust authorization code and the ticket voucher code corresponding to the order data.

As a preferred embodiment of the trust ticket transaction management system for prepaid commodities of the present invention, the biometric information reader includes any one of a fingerprint reader and a face recognition reader and a combination thereof.

One aspect of the present invention includes a method for constructing a trust ticket transaction management system for prepaid commodities. An embodiment of the method for constructing the present invention includes: providing a transaction server connected to a communication network for Transmit and receive data; build an application program interface on the transaction server, which can be used by ticket issuers, sellers, banks, and acquirers to interface with the application program interface of the transaction server through the communication network Data exchange between cash flow and information flow; build a commodity database on the transaction server to store the commodity data of prepaid commodities; build a transaction database on the transaction server to store the prepaid commodities Order data and ticket information of the corresponding trust ticket; establish a trust ticket transaction management program on the transaction server to process the trust ticket transaction, verify and authorize the printing of the trust ticket, And the operation of access and update of the order data of the trust ticket and the ticket information in the transaction database; build a commodity management program on the transaction server, through the application program interface and the ticket issuer Interface, providing the trust ticket issuer with the functions of managing and maintaining the prepaid commodities, including the operations of putting on, removing and modifying the prepaid commodities; building a notification message generator on the transaction server, responsible for generating And send transaction messages and electronic coupons to the sales end and/or consumers; build a trust authorization processing program on the transaction server, which is responsible for the exchange of information flow and cash flow data with the sales end, bank and acquirer communication, Used to conduct trust, grant and refund operations through banks and acquiring banks; and Set up a ticket voucher code generator on the transaction server, and generate corresponding ticket voucher codes based on the prepaid commodities recorded in the order information; wherein the trust ticket transaction management program receives the order information from the sales end , The trust authorization processing program sends the order information to the acquirer and requests a trust authorization code from the acquirer. After the deduction is successful, the acquirer deposits the sales amount of the prepaid goods into the designated trust account, and then generates A trust authorization code corresponding to the order information is sent back to the trust authorization processing program; after the trust authorization processing program obtains the trust authorization code, the trust ticket transaction management program notifies the ticket certificate code generator to generate the ticket certificate code , And send the trust authorization code and the ticket voucher code to the sales end through the notification message generator to output as a physical ticket or send it directly in the form of an electronic ticket containing the trust authorization code and the ticket voucher code For consumers to hold.

As a preferred embodiment of the method of the present invention, it includes building a biometric information reader at the sales end to obtain the biometric information of the consumer who purchases the prepaid product, and the biometric information corresponds to the order information , The biometric information and the trust authorization code corresponding to the order data and the ticket certificate code are stored and recorded in the transaction database.

As a preferred embodiment of the trust ticket transaction management system and the construction method of the present invention, the biometric information reader includes any one of a fingerprint reader and a face recognition reader and a combination thereof.

The beneficial effect of the present invention is that it can improve the processing speed of the invention patent I 597680 proposed by the present invention, and can provide prepaid commodity management, and the transaction, verification, appropriation and refund of trust tickets corresponding to prepaid prepaid commodities. The function of payment can reduce the issuance cost of the ticket issuer, realize the instant trust and transaction security of the trust ticket, and protect the consumer’s rights and interests.

10‧‧‧Transaction Server

11‧‧‧Application Programming Interface

21‧‧‧Commodity Database

22‧‧‧Transaction Database

23‧‧‧Trust ticket transaction management procedures

24‧‧‧Commodity management procedures

25‧‧‧Notification Message Generator

26‧‧‧Trust authorization processing procedures

27‧‧‧Ticket Voucher Code Generator

30‧‧‧Ticket Issuer

40‧‧‧Sales

50‧‧‧Acquiring Bank

60‧‧‧Trust Account

70‧‧‧Biometric Information Reader

Figure 1 is a system functional block diagram of an embodiment of the trust ticket transaction management system for prepaid commodities of the present invention.

Figure 2 is a system functional block diagram of another embodiment of the trust ticket transaction management system for prepaid commodities of the present invention.

Figure 3 is a structural diagram of an embodiment of the trust ticket transaction management system for prepaid commodities of the present invention.

Figure 4 is a structural diagram of an embodiment of the trust ticket transaction management system for prepaid commodities of the present invention.

Figure 5 is a flow chart of the ticket transaction steps of the trust ticket transaction management system for prepaid commodities of the present invention.

The transaction management system of the trust ticket of the present invention can integrate the money flow and information flow of the ticket issuer, the sales end and the financial institution to support the "ticket advance receipt trust" business provided by the trust end. Institutions include acquiring banks, banks, trust and investment companies, and other units engaged in financial services; the present invention can provide the functions of prepaid commodity management, trust ticket transaction, verification, payment and refund, and realize the instantaneous trust ticket Trust and transaction; ticket issuers can legally issue trust tickets for prepaid commodities without first providing a margin, so it can reduce the issuer’s trust ticket issuance costs, and can protect consumers’ rights and provide reliable Trading platform. (In the description below, the ticket and the trust ticket are synonymous)

Among them, the "ticket pre-collection trust" business refers to the business that issues the tickets (referred to as the ticket issuer or the trustor) before or at the time of the issuance of the tickets, trusting the total amount of the ticket denominations expected to be issued or sold The trustee bank (referred to as the trust terminal or the trustee) establishes a special trust account, and the two parties sign a trust agreement. After the consumer purchases the coupons and completes the payment, first deposit the collected sales amount into the trust special account to become the trust fund, and the trust bank Manage or dispose of the trust money in accordance with the trust contract. When consumers buy goods or services with coupons in the future, or when the trust period expires, the trustee will allocate the corresponding trust money to the ticket issuer.

First, please refer to Figures 1 and 3, which are the system functional block diagrams and system architecture diagrams of the transaction management system for trust bills of the present invention. An embodiment of the trust ticket transaction management system of the present invention includes: a transaction server 10, the transaction server provides an Application Programming Interface (API) 11, a ticket issuer 30, a seller 40, and an acquirer 50 And the trust account 60 can be interfaced with the application program interface 11 of the transaction server 10 through a communication network for data exchange of cash flow and information flow; wherein the transaction server 10 includes: a commodity database 21, a transaction database 22. A trust ticket transaction management program 23, a commodity management program 24, a notification message generator 25, a trust authorization processing program 26, and a ticket certificate code generator 27.

The product database 21 is used to store the product information of pre-purchased products. The ticket issuer 30 can obtain the product information in the product database 21 through the application program interface 11, and then display the product information on the sales terminal such as an online store or Information equipment on the sales side (such as ibon) for consumers to purchase. The transaction database 22 is used to store the order data and ticket information of the pre-purchased commodities and their corresponding trust tickets, where the ticket information includes at least the trust authorization code and the ticket voucher code described below for verification and cancellation It is used to identify the authenticity of the ticket and whether it is valid.

The function of the trust ticket transaction management program 23 is to process the trust ticket The operations of transaction, verification and authorization of ticket printing, as well as the access and update operations of the order data and ticket information of the trust ticket in the transaction database 22.

The commodity management program 24 is interfaced with the ticket issuer through the application program interface 11, and provides the ticket issuer 30 with the function of managing and maintaining pre-ordered commodities, including the operations of placing, removing, and modifying pre-purchased commodities. The notification message generator 25 is responsible for generating and sending transaction messages and electronic tickets to the sales terminal 40 and/or consumers.

The trust authorization processing program 26 is responsible for communicating with the sales terminal 40 and the acquiring bank 50 to exchange information and cash flow data, so as to perform trust, appropriation and refund operations through the acquiring bank 50 and the bank. The ticket voucher code generator 27 generates the corresponding ticket voucher code according to the pre-purchased goods recorded in the order information, and sends the ticket voucher code to the sales terminal 40 for output as a physical ticket or directly in the form of an electronic ticket Send to consumers for holding. For example, when a consumer purchases a prepaid product at the sales end 40 of a physical store, he can issue a ticket through the ticket printing device at the sales end 40 of the physical store; if the consumer is in an online store or When the sales terminal 40 of other non-physical stores purchases prepaid goods, the electronic ticket will be sent to the electronic or information device used by the consumer, such as a computer or a smart phone, to be held in the form of an electronic ticket, or The ticket is issued by the output device (such as a printer) on the consumer side. As a preferred embodiment of the trust ticket transaction management system of the present invention, the trust authorization code and the ticket voucher code are printed on the physical ticket or electronic ticket in the form of a QR Code.

The improved technology of the trust ticket transaction management system for prepaid commodities of the present invention is that after the trust ticket transaction management program 23 receives the order data from the sales end, the trust authorization processing program 26 sends the order data to the acquirer 50 and Ask the acquiring bank 50 for a trust authorization code, and the acquiring bank 50 will deposit the sales amount of the prepaid goods into the designated trust after the deduction is successful Account 60, and then generate a trust authorization code corresponding to the order information and send it back to the trust authorization processing program. One implementation of the trust account 60 is in the same bank or financial institution as the acquiring bank 50 (see Figure 3). Another feasible implementation is in which the trust account 60 and the acquiring bank 50 are in different banks or financial institutions (see Figure 4); after the trust authorization processing program 26 obtains the trust authorization code, the trust ticket transaction management program 26 notifies the ticket The voucher code generator 27 generates the ticket voucher code, and sends the trust authorization code and the voucher voucher code to the sales terminal through the notification message generator 25 for output as a physical ticket or an electronic coupon containing the trust authorization code and the ticket voucher code. Tickets are sent directly to consumers for holding.

Please refer to Figure 2 for another embodiment of the trust ticket transaction management system for prepaid commodities of the present invention, which further includes a biometric information reader 70 disposed at the sales terminal 40 to obtain information for purchasing prepaid commodities The consumer’s biometric information, the biometric information corresponds to the order data, the biometric information and the trust authorization code and the ticket voucher code corresponding to the order data are stored and recorded in the transaction database 22 for verification It is used to identify the authenticity and validity of the tickets when selling tickets. Among them, the biometric information reader 70 includes; any one of a fingerprint reader and a face recognition reader and a combination thereof, such as when consumers use a smartphone to purchase prepaid products or use tickets, The fingerprint reader and digital camera of the smart phone can be directly used to identify fingerprints and facial features, which is more convenient and safe to use.

One implementation of the sales terminal 40 is to connect to the acquirer 50 through a communication network (see Figure 3). For example, the acquirer 50 signs a contract with a special store as the sales terminal 40, and configures a POS machine in the special store as the sales terminal 40 ; In another implementation of the system architecture of the present invention, one implementation of the sales terminal 40 is to interface with the application program interface 11 of the transaction server 10 through a communication network (see Figure 4), for example, through contract authorization, Acquiring bank 50 authorized delivery The easy server 10 is connected to the POS machine of the selling end 40, or the acquiring bank authorizes the transaction server 10 to connect to the online store as the selling end 40. Consumers can directly purchase prepaid products in the online store and pay with a credit card .

An embodiment of the method for constructing a trust ticket transaction management system for prepaid commodities of the present invention includes the following steps: providing a transaction server 10 connected to a communication network for transmitting and receiving data; The transaction server 10 builds an application programming interface 11 (API), which can be used by the ticket issuer 30, the sales terminal 40, the bank, and the acquirer 50 to interface with the application programming interface 11 of the transaction server 10 through the communication network. It is used to exchange data between cash flow and information flow; a commodity database 21 is built on the transaction server 10 to store the commodity data of prepaid commodities; a transaction database 22 is built on the transaction server 10, Used to store the order data and coupon information of prepaid commodities and their corresponding trust tickets, where the ticket information includes at least the trust authorization code and the ticket voucher code, which is used to identify the ticket when verifying the ticket Authenticity and whether it is valid; build a trust ticket transaction management program 23 on the transaction server 10 to process trust ticket transactions, verify and authorize the printing of trust tickets, as well as trust ticket order information and The operation of access and update of ticket information in the transaction database 22; a commodity management program 24 is built on the transaction server 10, which is interfaced with the ticket issuer 30 through the application program interface 11 to provide the trust ticket issuer 30 Management and maintenance of prepaid products Functions, including the operations of loading, removing and modifying prepaid products; build a notification message generator 25 on the transaction server 10, responsible for generating and sending transaction messages and electronic coupons to the sales end 40 and/or consumers; A trust authorization processing program 26 is built in the transaction server 10, which is responsible for communicating with the sales terminal 40, the bank and the acquirer 50 to exchange information and cash flow data for trust, appropriation and refund through the bank and the acquirer 50 And build a coupon voucher code generator 27 in the transaction server 10 to generate corresponding coupon voucher codes based on the prepaid commodities recorded in the order information; the trust ticket transaction management system for prepaid commodities of the present invention The improved technology is: after the trust ticket transaction management program 23 receives the order information from the sales terminal 40, the trust authorization processing program 26 sends the order information to the acquirer 50 and requests the acquirer 50 for the trust authorization code. After the deduction is successful, the single line 50 deposits the sales amount of the prepaid goods into the designated trust account 60, and then generates a trust authorization code corresponding to the order information and sends it back to the trust authorization processing program 26; the trust authorization processing program 26 obtains the trust authorization code After that, the trust ticket transaction management program 23 notifies the ticket voucher code generator 27 to generate a ticket voucher code, and sends the trust authorization code and the ticket voucher code to the sales terminal 40 through the notification message generator 25 for output as an entity The ticket may be directly sent to consumers in the form of an electronic ticket containing the trust authorization code and the ticket voucher code.

Please refer to Figure 5, which is a flow chart of the ticket transaction steps of the trust ticket transaction management system for prepaid commodities of the present invention. The process for consumers to purchase tickets includes: (1) Consumers display commodities from the sales terminal 40 To purchase goods, the sales end 40 generates order information based on the goods purchased by the consumer. The order information can be obtained from the sales end 40 The transaction terminal equipment in the physical store (such as POS machine) is generated, or it can be generated by a virtual store such as an online store or an electronic transaction platform; (2) Make a payment and enter the payment confirmation program, and the acquirer will confirm whether the payment is valid (such as The consumer pays by credit card, electronic money or electronic wallet. After the acquirer 50 receives the transaction authorization request, the acquirer 50 will perform the payment confirmation procedure; if the consumer pays in cash, the payment generated for the order information The bank that has a cash flow/account transaction with the sales terminal 40 is regarded as the acquiring bank 50 for the cash payment. The acquiring bank 50 confirms the deduction/payment is successful and sends a reply message of the deduction/payment success to the sales terminal 40 ; Conversely, if the deduction/payment fails, the acquiring bank 50 will generate a deduction/payment failure message and reply to the sales terminal 40; (3) After the payment is successful, the sales terminal 40 or acquiring bank 50 will send the order information (including pre-sale type Commodity subscription data and payment data, such as but not limited to credit card machine number, prepaid product content, purchase date, credit card authorization code, purchaser information... etc.) are sent to transaction server 10 and stored in transaction server 10 The database 22, wherein the transaction database 22 also stores the ticket information corresponding to the order data; on the contrary, if the payment fails, the transaction will be stopped or the transaction will jump out; (4) The trust ticket transaction management program 23 of the transaction server 10 receives the order After the information, the trust authorization processing program 26 sends the order information to the acquirer 50, and sends a request for trust authorization to the acquirer 50, requesting the trust authorization code; (5) The acquirer 50 receives the request for trust authorization After the deduction is successful, the acquiring bank 50 deposits the sales amount of the prepaid goods into the designated trust account 60, and then generates a trust authorization code corresponding to the order data and sends it back to the trust authorization processing program 26; (6) On the transaction server After the trust authorization processing program 26 of 10 obtains the trust authorization code, the trust ticket transaction management program 23 notifies the ticket voucher code generator 27 to generate a ticket voucher The trust authorization code and the ticket voucher code are sent to the sales terminal 40 through the notification message generator 25 and output as a physical ticket or an electronic ticket containing the trust authorization code and the ticket voucher code The form is sent directly to consumers for holding.

Although the present invention has been disclosed above through the above-mentioned embodiments, it is not intended to limit the present invention. Those skilled in the art can make some changes and modifications without departing from the spirit and scope of the present invention. Therefore, the present invention The scope of patent protection is subject to those defined by the claims of this application.

10‧‧‧Transaction Server

11‧‧‧Application Programming Interface

30‧‧‧Ticket Issuer

40‧‧‧Sales

50‧‧‧Acquiring Bank

60‧‧‧Trust Account

70‧‧‧Biometric Information Reader

Claims (8)

A transaction management system for trust tickets, including: a transaction server, the transaction server provides an application program interface, and the ticket issuer, sales terminal, bank, and acquirer can communicate with the application program of the transaction server through a communication network Interface interface for data exchange between cash flow and information flow; the transaction server includes: a commodity database for storing the commodity data of prepaid commodities; a transaction database for storing the prepaid commodities and The corresponding trust ticket order data and trust ticket information; a trust ticket transaction management program, processing the trust ticket transaction, verification and authorization to print the trust ticket, and the trust ticket The operation of access and update of order data and ticket information in the transaction database; a commodity management program, which is interfaced with the ticket issuer through the application program interface, and provides the ticket issuer to manage and maintain prepaid commodities The functions of the prepaid products include the loading, removal, and modification operations of prepaid products; a notification message generator, responsible for generating and sending transaction messages and electronic coupons to the sales end and/or consumers; a trust authorization processing program, responsible for and The sales terminal and the acquiring bank communicate the information flow and the data exchange of the cash flow for trust, appropriation and refund operations through the bank and the acquiring bank; and a coupon voucher code generator to record in the order data The prepaid commodity generates the corresponding coupon voucher code; it is characterized in that: the trust coupon transaction management program is authorized by the trust after receiving the order information from the sales end The right processing program sends the order information to the acquiring bank and asks the acquiring bank for a trust authorization code. After the deduction is successful, the acquiring bank deposits the sales amount of the prepaid goods into the designated trust account, and then generates a corresponding order information A trust authorization code is sent back to the trust authorization processing program; after the trust authorization processing program obtains the trust authorization code, the trust ticket transaction management program informs the ticket voucher code generator to generate the ticket voucher code, and then The trust authorization code and the ticket voucher code are sent to the sales end through the notification message generator to be output as a physical ticket or directly sent to the consumer in the form of an electronic ticket containing the trust authorization code and the ticket voucher code use. According to the transaction management system of the trust ticket of claim 1, wherein the trust authorization code and the ticket voucher code are printed on the physical ticket or the electronic ticket in the form of a QR Code. The trust ticket transaction management system of claim 1, which includes a biometric information reader disposed at the sales end for obtaining the biometric information of the consumer who purchased the prepaid product, and the biometric information is The order data, the biometric information and the trust authorization code corresponding to the order data and the ticket voucher code are stored and recorded in the transaction database. According to claim 3, the transaction management system of the trust ticket, wherein the biometric information reader includes any one of a fingerprint reader and a face recognition reader and a combination thereof. A method for constructing a transaction management system for trust bills includes: providing a transaction server connected to a communication network for transmitting and receiving data; and establishing an application program interface on the transaction server to provide The ticket issuer, seller, bank, and acquirer interface with the application program interface of the transaction server through the communication network. To exchange data between cash flow and information flow; build a commodity database on the transaction server to store the commodity data of prepaid commodities; build a transaction database on the transaction server to store the prepaid Order data and ticket information of the corresponding trust ticket; establish a trust ticket transaction management program on the transaction server to process the trust ticket transaction, verify and authorize the printing of the trust ticket Operations, as well as the access and update operations of the order data of the trust ticket and the ticket information in the transaction database; establish a commodity management program on the transaction server through the application interface and the ticket The issuer interface provides the trust ticket issuer with the functions of managing and maintaining the prepaid commodities, including the operations of listing, removing and modifying the prepaid commodities; establishing a notification message generator on the transaction server, Responsible for generating and sending transaction messages and e-tickets to the sales end and/or consumers; build a trust authorization processing program on the transaction server, and be responsible for communicating with the sales end, bank and acquiring bank for information flow and cash flow data Exchange, used to conduct trust, appropriation and refund operations through banks and acquiring banks; and build a coupon voucher code generator on the transaction server to generate corresponding coupon voucher based on the prepaid products recorded in the order data Code; characterized in that: after receiving the order information from the sales end, the trust ticket transaction management program sends the order information to the acquiring bank and requests a trust authorization code from the acquiring bank. The acquiring bank will deduct a trust authorization code after the deduction is successful. Deposit the sales amount of prepaid commodities into the designated trust account, and then generate a trust authorization code corresponding to the order information and send it back to the trust ticket transaction management program; the trust ticket After the coupon transaction management program obtains the trust authorization code, the trust coupon transaction management program informs the coupon voucher code generator to generate the coupon voucher code, and generates the trust authorization code and the coupon voucher code through the notification message The device is sent to the sales terminal and output as a physical coupon or an electronic coupon containing the trust authorization code and the coupon code directly to the consumer for holding. The method for establishing a transaction management system for a trust ticket according to claim 5, wherein the trust authorization code and the ticket voucher code are printed on the physical ticket or the electronic ticket in the form of a QR Code. The method for constructing a trust ticket transaction management system according to claim 5, which includes constructing a biometric information reader at the sales end to obtain the biometric information of the consumer who purchases the prepaid product. The biometric information corresponds to the order data, and the biometric information is stored and recorded in the transaction database along with the trust authorization code corresponding to the order data and the ticket voucher code. The method for constructing a transaction management system for a trust ticket according to claim 7, wherein the biometric information reader includes any one of a fingerprint reader and a face recognition reader and a combination thereof.

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