TWI840084B - Electronic voucher and method for automatic processing the same - Google Patents

Abstract

An electronic voucher and a method for automatic processing the same are provided. The electronic voucher includes a medium and a set of machine-readable codes recorded in the medium. For example, the set of machine-readable codes is recorded in the medium in the form of 2-dimensional barcodes. Meanwhile, the set of machine-readable codes is created by a voucher issuer according to a voucher ID, data of clearing amount, data of item to be exchanged, and the user’s telephone number.

Description

Electronic redemption voucher and method for automatically processing the electronic redemption voucher

The present invention relates to electronic redemption vouchers and methods for automatically processing electronic redemption vouchers, and in particular to electronic redemption vouchers with a financial institution's trust account as a performance guarantee and methods for automatically processing the same.

For the prior art of electronic redemption vouchers (also known as electronic gift certificates, electronic vouchers, or electronic tickets), please refer to the following patent documents: Chinese Patent CN100383817C and Chinese Patent Publication Nos. CN1542664A, CN101739766A, CN101840560A, CN102289763A, CN101996373A.

The above-mentioned known technologies are used to refer to electronic redemption vouchers, but they still cannot meet the actual needs and still need to be improved.

When issuing redemption vouchers and other reimbursable bills, in order to win the trust of consumers or comply with legal requirements (such as Taiwan's Consumer Protection Act), the issuer of the redemption voucher will provide a performance guarantee. The general practice is that the issuer of the redemption voucher opens a dedicated account at a financial trust institution and deposits a sum of money sufficient to guarantee the voucher. The money can only leave the dedicated account or be used for other purposes until the user has used up the voucher. If the consumer exercises the redemption voucher in the future but fails to perform the contract, he or she can take the redemption voucher to the financial trust institution and claim compensation with the money in the dedicated account. This kind of redemption voucher can be called a "sufficient trust voucher".

In view of this, the embodiment of the present invention proposes a new electronic redemption voucher and a method for automatically processing electronic redemption vouchers for the above-mentioned "trust ticket" usage environment.

One of the technical problems that the present invention aims to solve is that the existing "full trust ticket" approach, whether it is an electronic redemption ticket or a paper redemption ticket, lacks a reliable guarantee amount confirmation mechanism.

There is no available technical means in the prior art to "prevent" the issuer of the electronic voucher from intentionally or negligently issuing the electronic voucher in excess (beyond the guarantee amount). However, through the embodiment of the present invention, when the electronic voucher issuer wants to issue an electronic voucher, it can immediately provide the settlement amount data electronically and ask the financial trust institution to confirm whether the proprietary account has the corresponding guarantee amount. Only when the financial trust institution confirms that the proprietary account has the corresponding guarantee amount, the financial trust institution will provide the electronic voucher issuer with the electronic voucher identification code required for making the electronic voucher. Without this electronic voucher identification code, the electronic voucher issuer cannot issue the electronic voucher.

In other words, the technical means used in the embodiment of the present invention is that each electronic voucher identification code (used for an electronic voucher) is generated individually by the financial trust institution according to the needs, instead of the voucher identification codes in the prior art being provided in large quantities or batches to the voucher issuer for use, thus causing the problem of being unable to control the over-issuance of the voucher issuer.

On the other hand, one of the technical problems that the present invention aims to solve is that the existing "full trust ticket" approach, whether it is an electronic redemption ticket or a paper redemption ticket, cannot immediately adjust or restore the guarantee amount of the dedicated account after the user uses the redemption ticket or cancels the issued redemption ticket for other reasons.

In this regard, the technical means used in the embodiment of the present invention is that the electronic voucher identification code is generated individually by the financial trust institution according to the needs, and the use status of this identification code is recorded as "valid". After the user uses this electronic voucher, through the machine-readable code on the electronic voucher, the financial trust institution can also electronically cancel the electronic voucher identification code generated by it in real time, and change the use status of this identification code from "valid" to "invalid", so as to avoid the electronic voucher from being reused and immediately restore the corresponding guarantee amount in the dedicated account.

From the above two aspects, it can be seen that the issuance and cancellation of the electronic redemption voucher of the present invention are carried out under the supervision of financial trust institutions and are open to public inquiry. Therefore, the counterfeiting, over-issuance or repeated use of electronic redemption vouchers can be avoided, greatly improving security.

On the other hand, one of the technical problems to be solved by the present invention is that traditional redemption vouchers need to be produced in large quantities in advance, which means that a large amount of funds must be deposited in advance in the trust account, resulting in the waste of idle funds and the increase in the cost of issuing redemption vouchers. In addition, the settlement amount set for each redemption voucher must also be determined in advance (because it must meet the preset guarantee limit) and cannot be adjusted afterwards.

The electronic redemption voucher of the present invention (especially the redemption voucher identification code of a financial trust institution) can be "produced on demand". Through electronic means, when issuing redemption vouchers, the financial institution can be asked to immediately confirm whether there is a corresponding guarantee amount in the proprietary account for the settlement amount that can be set arbitrarily at the moment. In addition to the settlement amount being freely set, the amount in the trust proprietary account can also be designed to be "deposited on demand" by the redemption voucher issuer.

In addition, since the electronic redemption voucher of the present invention can be cancelled immediately by the financial trust institution after use, the above trust limit can be restored immediately. This design means that the trust account does not need to have too much idle funds to cause waste.

On the other hand, one of the technical problems that the present invention aims to solve is that the traditional redemption voucher cannot directly record the user's identification information when it is produced (i.e., it is impossible to produce a registered redemption voucher), while the electronic redemption voucher identification code of the present invention can include the user's identification information (such as a telephone number) and serve as a registered redemption voucher.

According to an embodiment of the present invention, the method for automatically processing electronic redemption vouchers includes the following steps, but it should be known that the following steps do not need to be performed continuously, but can be performed in stages: - In response to the user's request, the electronic redemption voucher issuer immediately requests the redemption voucher identification code for the settlement amount data from the financial trust institution in an electronic manner; - After the financial trust institution approves the request, it generates a redemption voucher identification code and marks the usage status of the redemption voucher identification code as "valid"; - The electronic redemption voucher issuer receives the redemption voucher identification code from the financial trust institution in an electronic manner; - The electronic redemption voucher issuer generates a set of machine-readable codes based on the redemption voucher identification code, settlement amount data, and redemption item data; - The electronic redemption voucher issuer transmits the set of machine-readable codes to the user terminal in an electronic manner; - The user terminal records the set of machine-readable codes on a medium (e.g., an optically readable medium) as an electronic redemption voucher, and optionally, records the set of machine-readable codes on the medium in the form of a 2D barcode; - In response to the user's prompting of the electronic redemption voucher as described above, the redemption item provider reads the set of machine-readable codes with a reader to obtain the redemption voucher identification code, redemption item data, and settlement amount data; - The redemption item provider transmits the redemption voucher identification code to the financial trust institution electronically, whereby the financial trust institution changes the usage status of the redemption voucher identification code from "valid" to "invalid"; - The redemption item provider transmits the redemption item data and settlement amount data to the electronic redemption voucher issuer electronically for verification and payment; or optionally, the redemption item provider transmits the settlement amount data to the financial trust institution electronically for payment. These features and advantages of the present invention can be more clearly understood by referring to the following description and the attached patent application scope or using the implementation method of the present invention as mentioned below.

10: Electronic voucher processing system

100: Electronic redemption voucher issuer

200:Financial trust institutions

300: Redemption project provider

400: User terminal

EV1, EV2: Electronic redemption voucher

In order to immediately understand the advantages of the present invention, please refer to the specific embodiments shown in the attached figures, which explain in detail the present invention briefly described above. Under the understanding that these figures only depict typical embodiments of the present invention and are not to be regarded as limiting the scope of the present invention, the present invention is explained with additional clarity and detail with reference to the attached figures, in which: Figure 1 is a schematic diagram of an electronic redemption voucher processing system according to a specific embodiment of the present invention; Figure 2 is a flow chart of an automated processing of electronic redemption vouchers according to a specific embodiment of the present invention; Figures 3A-3B show electronic redemption vouchers in a specific embodiment of the present invention.

First of all, it should be noted that the "electronic redemption voucher issuer", "financial trust institution", and "redemption item provider" referred to in this article include the corresponding hardware, software (including firmware, resident software, microcode, etc.), or a combination thereof for the purpose of implementing the automated process steps in the present invention.

Computer program code for performing the operations of the present invention may be written using a combination of one or more programming languages, including object-oriented programming languages (such as Java, Smalltalk, C++ or the like) and traditional procedural programming languages (such as the C programming language or the like).

In the following description of the present invention, reference will be made to flowcharts and/or block diagrams of systems, devices, methods and computer program products according to specific embodiments of the present invention. It is understood that each block in each flowchart and/or block diagram, and any combination of blocks in the flowchart and/or block diagram, can be implemented using computer program instructions. These computer program instructions can be executed by a machine composed of a processor of a general-purpose computer or a special computer or other programmable data processing device, and the instructions are processed by a computer or other programmable data processing device to implement the functions or operations described in the flowchart and/or block diagram.

These computer program instructions may also be stored on a computer-readable medium to instruct a computer or other programmable data processing device to perform specific functions, and these instructions stored on the computer-readable medium constitute a manufactured product, which includes instructions that can implement the functions or operations described in the flowchart and/or block diagram.

Computer program instructions can also be loaded onto a computer or other programmable data processing device to perform a system of operating steps on the computer or other programmable device, and when the instructions are executed on the computer or other programmable device, a computer implementation program is generated to achieve the functions or operations described in the flowchart and/or block diagram.

Next, please refer to FIG. 1 to FIG. 2, which show flowcharts and block diagrams of the architecture, functions and operations that can be implemented according to various embodiments of the system, method and computer program product of the present invention. Therefore, each block in the flowchart or block diagram can represent a module, segment, or part of the program code, which contains one or more executable instructions to implement the specified logical function. It should be noted that in some other embodiments, the functions described in the blocks may not be performed in the order shown in the figure. For example, two blocks connected by the diagram can actually be executed at the same time, or in some cases, according to the functions involved, they can also be executed in the opposite order of the diagram. It should also be noted that each block in the block diagram and/or flowchart, and the combination of blocks in the block diagram and/or flowchart, can be implemented by a system based on special purpose hardware, or by a combination of special purpose hardware and computer instructions to perform specific functions or operations.

<Electronic redemption voucher processing system>

As shown in FIG1 , the electronic voucher processing system 10 includes an electronic voucher issuer 100, a financial trust institution 200, and a redemption item provider (such as a restaurant, airline, or department store) 300. The electronic voucher issuer 100, the financial trust institution 200, and the redemption item provider 300 can be connected to each other by a dedicated line to ensure transaction security, or they can be connected through the public Internet, but the data transmission between them is preferably additionally encrypted. This part can refer to the existing electronic transaction system, and the present invention does not intend to limit it.

It should be noted that for a single electronic voucher issuer 100, the present invention can be implemented in conjunction with multiple financial trust institutions 200 and multiple redemption item providers 300 (i.e., multiple restaurants, airlines, or department stores). Those skilled in the art should know that FIG. 1 is simplified for the purpose of illustrating the present invention and should not be used to limit the present invention. In addition, the present invention does not limit the electronic voucher issuer 100 and the redemption item provider 300 to be independent of each other. In other words, in some embodiments, the electronic voucher issuer 100 and a certain redemption item provider 300 can be integrated into one, that is, they can simultaneously provide the issuance of electronic vouchers and be responsible for providing redemption items.

However, preferably, the electronic voucher issuer 100 and the redemption item provider 300 are independent of each other, especially the electronic voucher issuer 100 is used as an electronic voucher issuance platform, that is, different redemption item providers 300 can issue electronic vouchers through the same electronic voucher issuer 100.

However, in order to meet the purpose of "trust notes", the financial trust institution 200 should be independent of the electronic redemption note issuer 100/redemption item provider 300.

FIG. 1 also shows a user terminal 400 (such as a mobile phone with a display screen or a personal computer with a printing device) that can communicate electronically with the electronic redemption voucher issuer 100, and the electronic redemption voucher issuer 100 and the user terminal 400 can communicate via a mobile phone network or other networks.

FIG2 shows an embodiment of a method for automatically processing electronic redemption vouchers using the electronic redemption voucher processing system 10.

<Order>

Step 210: In this embodiment, the user can request to order the electronic redemption voucher from the electronic redemption voucher issuer 100 through the user terminal 400 or through other electronic (e.g., website) or non-electronic channels (e.g., counters). Prior to this, the user can learn about the selling price of the electronic redemption voucher and the redemption items (e.g., specific goods or services) through advertisements or other descriptions, but the selling price of the electronic redemption voucher can also be quoted to the user in a subsequent stage after the availability of the redemption items has been confirmed.

In one embodiment, when a user requests to order an electronic redemption voucher from the electronic redemption voucher issuer 100, the user may prompt the electronic redemption voucher issuer 100 with user identification information, such as the user's membership number pre-assigned by the electronic redemption voucher issuer 100 or the user's self-provided email address and/or phone number, etc.

Regarding the availability of redemption items and other redemption item data (such as redemption item identification codes), in one embodiment, before a user orders an electronic redemption voucher, the redemption voucher issuer 100 has confirmed the availability of the redemption items and obtained the redemption item identification codes from the redemption item provider 300 in advance (for example, when the redemption voucher issuer 100 is the exclusive distributor of the redemption item provider 300), so as to avoid the situation where the redemption items that the redemption item provider 300 can provide are sold out after the electronic redemption voucher is sold to the user.

In another embodiment, after receiving the user's order request, the redemption voucher issuer 100 immediately confirms the availability of the redemption item with the redemption item provider 300 in an electronic manner and obtains the redemption item identification code. If the redemption item provider 300 replies that it cannot provide the redemption item (for example, it is full or the provision is cancelled due to weather or force majeure), the redemption voucher issuer 100 rejects the user's order request. In addition, in this embodiment, if the user has not been quoted in advance, the redemption voucher issuer 100 can also request the redemption item provider 300 to provide the selling price information in this step in an electronic manner, and the redemption item provider 300 will immediately quote the user after the reply.

After obtaining the selling price information and the redemption item information (such as the redemption item identification code), the electronic redemption voucher issuer 100 will accept the user's order and payment according to the selling price information, and enter the electronic redemption voucher issuance process (or invoicing process), see step 212 below.

<Issuance/Invoicing>

Step 212: The electronic voucher issuer 100 uses the price information of the electronic voucher (i.e., the user's payment amount) as the settlement amount information, and electronically requests the voucher identification code for the settlement amount information from the financial trust institution 200. The electronic voucher in this embodiment is designed as a "full amount trust ticket", so the financial trust institution 200 confirms whether there is a sufficient amount in the trust account as a guarantee for the user's payment amount. If the financial trust institution 200 confirms that it is passed, it provides a valid voucher identification code and transmits it back to the electronic voucher issuer 100 electronically. In addition, the financial trust institution 200 also marks the usage status of this redemption voucher identification code as "valid" on its own end, and it can be opened for public inquiry.

Step 214: After the electronic voucher issuer 100 receives the voucher identification code from the financial trust institution 200 electronically, the electronic voucher issuer 100 can generate a set of machine-readable codes based on the voucher identification code, the settlement amount data, and the redemption item data. In another embodiment, the electronic voucher issuer 100 can generate the set of machine-readable codes based on the voucher identification code, the settlement amount data, the redemption item data, and the user identification data (such as a telephone number) provided by the user. One of the advantages of adding user identification data to the machine-readable code is that it provides "registration", so that the set of machine-readable codes can be tracked and controlled in future use.

Optionally, the electronic voucher issuer 100 may encrypt or perform other data processing on the set of machine-readable codes according to a preset method, but this is not necessary for the present invention. In a preferred embodiment, the electronic voucher issuer 100 may use user identification information (such as a telephone number) as a password to encrypt the set of machine-readable codes. For details of this encryption, reference may be made to existing methods such as creating encrypted PDF files or MICROSOFT WORD files, which will not be elaborated here. One of the advantages of encrypting with user identification information is that it can further ensure that the set of machine-readable codes can only be obtained by the user or a person authorized by the user, thereby reducing the risk of theft. And because only the user can know his user identification data, when the user successfully decrypts the encrypted set of machine-readable codes with his user identification data, it can be used as evidence that the electronic redemption voucher issuer 100 has delivered the set of machine-readable codes to the user. However, in other embodiments, the electronic redemption voucher issuer 100 can also randomly generate random numbers as passwords to encrypt the set of machine-readable codes, and the decryption method will be described in the subsequent step 216.

Step 216: The electronic voucher issuer 100 transmits the set of machine-readable codes to the user terminal 400 in an electronic manner, whereby the user terminal 400 records the set of machine-readable codes on a medium as an electronic voucher. At this point, the electronic voucher issuer 100 has completed the issuance of the electronic voucher.

In the case where the user provides an email address or a phone number as user identification information, the electronic redemption voucher issuer 100 can send the set of machine-readable codes to the user terminal 400 according to the email address or the phone number. One of the advantages of this approach is that it can further ensure that the set of machine-readable codes is sent to the address specified by the user.

In the embodiment where the electronic voucher issuer 100 uses a random number as a password to encrypt the set of machine-readable codes, the electronic voucher issuer 100 preferably transmits the machine-readable code to the user terminal 400 via an e-mail according to the e-mail address provided by the user, wherein the e-mail contains an electronic file (e.g., a PDF file or a Written Document) generated by encrypting the machine-readable code. ORD file), and in addition, an activation link (URL) may be set in the body of the e-mail, which points to the e-voucher issuer 100. Therefore, when the user clicks on the activation link, the e-voucher issuer 100 will be triggered to send the password required for decrypting the machine-readable code to the user through a channel other than e-mail that is pre-agreed with the user (e.g., through the Short Message Service (SMS) of a mobile phone), so that the user can use this password to decrypt the machine-readable code. In this way, once the machine-readable code is successfully decrypted with the password sent by the e-voucher issuer 100, it can be used as evidence that the e-voucher issuer 100 has delivered the set of machine-readable codes to the user.

It should be noted that the medium does not need to be a part of the user terminal 400, but can be independent of the user terminal 400, and the medium can be implemented as various computer memories, magnetically readable media, optically readable media, or even paper or other printed media. Preferably, the medium in the present invention allows the set of machine-readable codes recorded thereon to be read by a reader in a contactless manner.

Preferably, the electronic redemption voucher of the present invention is a portable electronic redemption voucher. In one embodiment, the user terminal 400 is a personal computer with a printing device. After receiving the machine-readable code transmitted by the electronic redemption voucher issuer 100, it can be printed on paper in the form of a 2D barcode to form a paper-based electronic redemption voucher EV1, as shown in FIG. 3A, and can be read in a contactless manner by a known 2D barcode reader (not shown).

In another embodiment of a portable electronic redemption voucher, the user terminal 400 is a mobile phone or other portable electronic device with a display screen. After receiving the machine-readable code sent by the electronic redemption voucher issuer 100, a 2D barcode image can be displayed on the display screen of the mobile phone to form a non-physical electronic redemption voucher EV2, as shown in FIG. 3B. It can also be read in a contactless manner through a known 2D barcode reader (not shown). For this user terminal 400, a specific application may need to be installed to display the 2D barcode image, but this should be known to those skilled in the art and will not be elaborated here.

<Cancellation and Settlement>

Step 218: When using, the user presents the electronic redemption voucher as described above (which can be a paper or non-physical electronic redemption voucher), and the redemption item provider 300 uses a reader (not shown) to read the machine-readable code on the electronic redemption voucher to obtain the redemption voucher identification code, redemption item information, and settlement amount information.

Step 220: The redemption item provider 300 transmits the redemption voucher identification code to the financial trust institution 200 electronically to request confirmation of whether the redemption voucher identification code is valid. If valid, the financial trust institution 200 is further requested to change the usage status of the redemption voucher identification code from "valid" to "invalid", that is, to cancel the electronic redemption voucher to avoid repeated use. The cancelled redemption voucher identification code can also be made available for public inquiry to protect transaction security.

Step 222: On the other hand, if the financial trust institution 200 confirms that the redemption voucher identification code is valid and cancels it, the redemption item provider 300 can further transmit the redemption item data and the settlement amount data to the electronic redemption voucher issuer 100 in an electronic manner to perform the verification and payment operation; or alternatively, the redemption item provider 300 transmits the settlement amount data to the financial trust institution 200 in an electronic manner to perform the payment operation, whereby the financial trust institution 200 can transfer funds from the predetermined account (or the aforementioned dedicated account as a guarantee) to the redemption item provider 300 and/or the electronic redemption voucher issuer 100.

Without departing from the spirit or essential characteristics of the present invention, the present invention may be embodied in other specific forms. The specific embodiments described in all aspects should be regarded as illustrative rather than restrictive. Therefore, the scope of the present invention is as shown in the attached patent application rather than in the above description. All changes within the equivalent meaning and scope of the patent application should be deemed to fall within the scope of the patent application.

Claims (6)

A method for automatically processing electronic redemption vouchers comprises: (a) an electronic redemption voucher issuer receives a redemption voucher identification code from a financial trust institution in an electronic manner, wherein the redemption voucher identification code corresponds to a settlement amount that can be pre-set arbitrarily for an electronic redemption voucher; (b) the electronic redemption voucher issuer processes the electronic redemption voucher according to the redemption voucher identification code, the settlement amount data, and a (c) the electronic redemption voucher issuer transmits the set of machine-readable codes to a user terminal in an electronic manner, whereby the user terminal records the set of machine-readable codes on a medium as the electronic redemption voucher, and the set of machine-readable codes on the electronic redemption voucher can be used to query the data of the settlement amount. A method for automatically processing electronic redemption vouchers comprises: (a) in response to a user's request, an electronic redemption voucher issuer electronically requests a redemption voucher identification code from a financial trust institution; (b) the electronic redemption voucher issuer electronically receives the redemption voucher identification code from the financial trust institution, wherein the redemption voucher identification code corresponds to a settlement amount that can be pre-set arbitrarily for an electronic redemption voucher; (c) the electronic redemption voucher The electronic voucher issuer generates a set of machine-readable codes based on the voucher identification code, the settlement amount data, and the redemption item data; (d) the electronic voucher issuer transmits the set of machine-readable codes to a user terminal in an electronic manner, whereby the user terminal records the set of codes on a medium as the electronic voucher, and the set of machine-readable codes on the electronic voucher can be used to query the settlement amount data. A method for automatically processing electronic redemption vouchers comprises: (a) an electronic redemption voucher issuer electronically requests a redemption voucher identification code for a settlement amount from a financial trust institution, wherein the settlement amount is for an electronic redemption voucher and can be pre-set arbitrarily; (b) the electronic redemption voucher issuer electronically receives the redemption voucher identification code from the financial trust institution; (c) the electronic redemption voucher issuer processes the redemption voucher according to the settlement amount; (d) the electronic redemption voucher issuer transmits the set of machine-readable codes to a user terminal in an electronic manner, whereby the user terminal records the set of machine-readable codes on a medium as the electronic redemption voucher, and the set of machine-readable codes on the electronic redemption voucher can be used to query the data of the settlement amount. A method for automatically processing electronic redemption vouchers comprises: (a) in response to a user's request, an electronic redemption voucher issuer electronically requests a redemption voucher identification code for a settlement amount from a financial trust institution, wherein the settlement amount is for an electronic redemption voucher and can be pre-set arbitrarily; (b) the electronic redemption voucher issuer electronically receives the redemption voucher identification code from the financial trust institution; (c) the electronic redemption voucher issuer sends a redemption voucher identification code to the financial trust institution based on the user's request; A set of machine-readable codes is generated according to the redemption voucher identification code, the settlement amount data, and a redemption item data; (d) the electronic redemption voucher issuer transmits the set of machine-readable codes to a user terminal in an electronic manner, whereby the user terminal records the set of machine-readable codes on a medium as the electronic redemption voucher, and the set of machine-readable codes on the electronic redemption voucher can be used to query the settlement amount data. A method for automatically processing electronic redemption vouchers comprises: (a) in response to a user's request, an electronic redemption voucher issuer receives a redemption voucher identification code from a financial trust institution in an electronic manner, wherein the redemption voucher identification code corresponds to a settlement amount data; (b) the electronic redemption voucher issuer generates a set of machine-readable codes based on the redemption voucher identification code, the settlement amount data, and a redemption item data, wherein the The voucher identification code corresponds to a settlement amount that can be pre-set arbitrarily for an electronic voucher; (c) the electronic voucher issuer transmits the set of machine-readable codes to a user terminal in an electronic manner, whereby the user terminal records the set of machine-readable codes on a medium as the electronic voucher, and the set of machine-readable codes on the electronic voucher can be used to query the data of the settlement amount. A method for automatically processing electronic vouchers, the method comprising: (a) a financial trust institution provides a voucher identification code for use in an electronic voucher generated by a method as described in any one of claim items 1 to 5, and marks the usage status of the voucher identification code as "valid"; and (b) in response to a request transmitted electronically, the financial trust institution changes the usage status of the voucher identification code from "valid" to "invalid".