TWM614309U - Trust ticket trading system - Google Patents

Abstract

A transaction system for trust tickets, including a transaction server. Trust ticket issuers, sales terminals, banks, and trust terminals can be interfaced through a communication network and an application program interface of the transaction server. The transaction server provides pre-purchased goods The product information of is provided to the sales terminal for consumers to purchase. After the consumer purchases the prepaid product and the payment is successful, the transaction server will include the manufacturer code, date, and the first random number according to the order data. Combine it into a coupon verification code, and use the communication network to instruct the bank as the payee to deposit the money paid by the consumer into the designated trust account for trust through the cash flow, and send the coupon verification code to the seller through the communication network At the sales end, a trust ticket with at least a ticket verification code is generated at the sales end. The new model can reduce the issuance cost of the trust ticket issuer, and realize the instant trust and transaction security of the trust ticket.

Description

Trust ticket trading system

The present invention relates to a trading system for tickets, especially a trading system for trust tickets, which can provide a trading platform for trust tickets corresponding to prepaid commodities, can reduce the issuance cost of trust ticket issuers, and realize the real-time trust ticket Trust and transaction security.

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 the modern industrial and commercial 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, as the vouchers for future consumers to request the supplier to deliver the relative goods or 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 product 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, the Chinese government has implemented a performance guarantee system for gift certificates for goods and services since 2006, requiring the issuing of gift certificate companies to use five mechanisms (trusts, bank performance guarantees, mutual insurance, association insurance, and other economic Choose one of the performance guarantee methods approved by the Ministry of Economic Affairs and approved by the Consumer Protection Division of the Executive Yuan to protect the rights and interests of consumers. Among them, trust and silver The issuance of gift certificates or coupons under the performance guarantee mechanism is generally referred to as "trust coupons." According to regulations, the issuer (trustor) of trust coupons shall, before or at the time of issuance of trust coupons, determine the denomination of the trust coupons that are expected to be issued The total amount is trusted to the trustee bank (the trustee), the two parties sign a trust contract, and 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 Reclaim 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, and the authentication code is specially designed for that 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, but the trust business undertaken by trust institutions (such as trust banks) generally used as the certification side is not limited to The trust business of value vouchers, so trust banks usually have built their internal information systems and related servers to manage other trust businesses and even trust businesses that include vouchers. The establishment of the aforementioned patented technology will obviously be in line with trust banks. The existing trust business systems overlap, in addition to increasing the cost of construction, it is also necessary 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 use the system operators who have built a "value vouchers ordering system", which is obviously extremely inconvenient and increases the work of the system operators.

The purpose of the present invention is to provide a trust ticket trading system, which can provide a trust ticket trading platform corresponding to prepaid commodities, and has the advantages of low construction cost and easy commodity management.

An embodiment structure of the new type of trust ticket trading system includes: a transaction server, which provides an application program interface, and trust ticket issuers, sellers, banks, and trust terminals can exchange transactions with the trust ticket through a communication network The application program interface of the server is used for data exchange between cash flow and information flow; the transaction server includes:

A commodity database for storing commodity information of prepaid commodities, the commodity information at least including the manufacturer code and the content of the commodity;

A transaction database for storing order data and ticket information of the prepaid commodity and its corresponding trust ticket;

A trust ticket transaction management program that receives the order data from the sales terminal and a paid message indicating that the consumer has successfully paid, stores the order data in the transaction database, and sends out a payment message after receiving the payment message Print order, the trust ticket transaction management program is used to process the transaction of the trust ticket, the order data and the access to the ticket information in the transaction database and Update operation;

A commodity management program for accessing and managing the commodity data in the commodity database. The trust ticket issuer can interface with the commodity management program through the application program interface to provide the trust ticket issuer with management and maintenance The functions of the prepaid commodity, including the operations of putting on, removing and modifying the prepaid commodity;

A coupon verification code generator that generates a unique coupon verification code based on the order data. The coupon verification code generator will include: the manufacturer code, date, and a random combination of multiple data of the first random number Into the ticket verification code;

A notification message generator for sending the ticket verification code to the trust terminal, the notification message generator and receiving the printing order from the trust ticket transaction management program, and verifying the ticket according to the printing order The cancellation code is sent to the sales terminal for the sales terminal to generate a trust ticket with at least the ticket verification code recorded; and

A trust authorization processing program, which is responsible for communicating with the sales terminal, bank and trust terminal to exchange information and cash flow data. After the trust ticket transaction management program obtains the payment information, the trust authorization processing program orders the trust authorization processing program according to the order data. The bank sends a credit instruction, instructing the bank to deposit the money paid by the consumer into the special trust account designated by the trust terminal.

As a preferred embodiment of the present invention, the ticket verification code generator further randomly combines multiple data including the manufacturer code, the date, the first random number, a second random number, and a third random number into The ticket verification code.

The advantages and effects of the new model include: the advance payment for the purchase of trust coupons by consumers can be instantly deposited into the designated trust account, which can reduce the pressure of the trust coupon issuer to deposit funds; the trust coupon issuer can easily manage and Maintain pre-sale merchandise and trust tickets The issuer does not need to spend too high a cost to put pre-sale goods on the shelves.

The specific embodiments of the present invention and other advantages and effects will be described in conjunction with the drawings as follows.

【Learning Technology】

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 verification code generator

30: Trust ticket issuer

40: sales side

50: Bank

60: Trust end

61: Trust Management Server

62: Trust Database

Figure 1 is a system functional block diagram of the new trust ticket trading system.

Figure 2 is the architecture diagram of the new trust ticket trading system.

Figure 3 is a transaction flow chart of an example of using the trust ticket trading system of the present invention to purchase trust tickets.

The positional relationship described in the following embodiments includes: up, down, left and right, unless otherwise specified, all are based on the direction shown by the components in the drawings. The directions mentioned therein (for example, up, down, left, right, front and back) are displayed according to the diagrams, and are used to illustrate the relative relationship between the various elements or structures in the embodiment (for example, positional relationship, connection relationship, and Action relationship).

The new type of trust ticket trading system can quickly and conveniently integrate the money flow and information flow of the trust ticket issuer, sales terminal, bank and trust terminal to support the "ticket advance receipt trust" business provided by the trust terminal ; The new type of trust ticket transaction system can provide the functions of prepaid commodity management, trust ticket transaction, verification, payment and refund, realizing the real-time trust and transaction of trust ticket; the issuer of trust ticket does not need to provide first The deposit can legally issue trust tickets for prepaid commodities, so it can reduce the cost of issuing trust tickets, protect the rights of consumers and provide a reliable trading platform.

Among them, the “ticket advance receipt trust” business refers to the Before the issuance of the bonds, it signs a trust agreement with the trust end (generally refers to a trust institution that can undertake trust business, such as a bank), and establishes a special trust account dedicated to the trust notes. The funds of the special trust account need to be earmarked.

Using the new type of trust ticket transaction system, when consumers purchase the trust ticket issued by the trust ticket issuer and complete the payment or make a successful payment, the recipient (such as a bank) directly deposits the collected amount into the trust special The account becomes the trust money, and the trust end manages or disposes of the trust money in accordance with the trust agreement. When consumers use the trust coupons in the future to obtain goods, services, or the expiration of the trust period, and the used trust coupons are written off Only then will the corresponding trust funds be appropriated to the issuer of the trust ticket or the party that provides the goods or services at the price of consideration (referred to as the commodity supplier).

Please refer to Figure 1 and Figure 2, which are the functional block diagrams and system architecture diagrams of the new trust ticket trading system. The system architecture of the new trust ticket transaction system includes: a transaction server 10, the transaction server 10 provides an application programming interface 11 (API), a trust ticket issuer 30, a sales terminal 40, and a bank 50 And the trust terminal 60 can be interfaced with the application program interface 11 of the transaction server 10 through the communication network, for data exchange of cash flow and information flow. In practice, the bank 50 may also act as the trust terminal 60 at the same time. On the other hand, the bank 50 may also act as the payee in the transaction process of trust notes. For example, when a consumer pays with a credit card, the bank 50 is The issuing bank of the credit card; Of course, in other cases, the bank 50 may also serve as the opening bank of the commercial account of the sales end 40. If the consumer pays in cash or other electronic payment methods, the bank 40 at this time can also be regarded as Beneficiary. The sales terminal 40 includes online stores and physical stores.

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, and a notification message generator 25. A trust authorization processing program 26, and a ticket verification code generator 27, the functions and operating relationships of which are described as follows.

The commodity database 21 is used to store and manage the commodity information of prepaid commodities. The commodity information at least records the manufacturer code and commodity content. If the pre-purchased commodity is a physical commodity, the commodity content usually includes but is not limited to items Name and specification. If the pre-ordered product is a service product, the content of the product is usually the content of the service.

The transaction database 22 is used to store the order data and coupon information of the prepaid commodities and their corresponding trust coupons; the order data is generated by the sales terminal 40 based on the aforementioned commodity data after the consumer purchases the prepaid commodities The order information basically includes the order information and payment information of the pre-sale goods. The order information includes, but is not limited to, for example: the content of the pre-paid goods, the manufacturer code (the manufacturer can be the trust ticket issuer, the manufacturer The code is the code of the trust ticket issuer 30. It is understandable that the said manufacturer is not limited to the trust ticket issuer. In practice, the trust ticket issuer of certain prepaid commodities only issues the trust ticket on behalf of it. It is not the manufacturer (meaning the manufacturer of physical goods), seller, or service provider of the prepaid commodity. Therefore, the said manufacturer can also be the manufacturer, seller, or prepaid commodity of the prepaid commodity Service provider of type goods (for example, the prepaid goods are service goods, so-called service goods such as travel services); the so-called payment information includes, but is not limited to, for example: credit card machine number, purchase date, credit card authorization code, purchase Information... etc.) The transaction database 22 also stores ticket information corresponding to the order data. The ticket information is used to record, for example, but not limited to: ticket verification code, ticket status (such as but not limited to: valid/ Information related to trust coupons such as verification/expiration/refund, effective date, duration, face value and trust authorization code has been used.

The trust ticket transaction management program 23, which receives the trust ticket from the sales terminal 40 Order data, responsible for processing trust ticket transactions, verification and authorization to print tickets, as well as the access and update operations of trust ticket order data and ticket information in the transaction database 22; a preferred implementation The method is that after the consumer completes the payment or the payment is successful, the sales terminal 40 generates a paid message indicating that the consumer has successfully paid and sends it to the trust ticket transaction management program 23 along with the order information. The trust ticket transaction management program 23 After receiving the payment message, issue a printing order, and deliver the order information to the ticket verification code generator 27 to generate a ticket verification code (described later).

The commodity management program 24 is used to access and manage the commodity data in the commodity database 21. The trust ticket issuer 30 can interface with the commodity management program 24 through the application program interface 11, and then access through the commodity management program 24 (access) and manage the product information in the product database 21. In other words, the trust ticket issuer 30 can add, remove, modify, and maintain the prepaid products in the product database 21; the same is true for the sales end 40 The product information in the product database 21 can be obtained through the application program interface 11, and the product information (meaning prepaid products) can be displayed on the sales terminal 40, such as an online store or an information device (such as ibon) at the sales terminal 40. For consumers to buy.

The ticket verification code generator 27, whose function is to generate a non-repetitive ticket verification code based on the order data. The rule for generating the ticket verification code is to include: manufacturer code, date (for example, year, month, day) ), and at least one random number (the first random number), the second random number, and the third random number are randomly combined to become the coupon verification code. The date in it is generally the consumer purchase The date of the trust ticket (purchase date), but not limited to this, can be defined by the trust ticket issuer 30 or the system. In another embodiment of the present invention, the manufacturer code, date, and three random numbers (respectively the first random number, a second random number, and a third random number) will be included. Items of data are randomly combined into a coupon verification code. One example of the first random number, the second random number, and the third random number is 2 characters in length. An example of the coupon verification code: manufacturer code AAA+ (2021 +01+07+af+g7+qz)=>random combination (AAA,af,2021,01,qz,07,g7) to produce =>AAAaf202101qz07g7 (ticket verification code).

The notification message generator 25 sends the ticket verification code to the sales terminal 40 according to the printing command of the trust ticket transaction management program 23 to generate a trust ticket in the form of a physical ticket or a trust ticket in the form of an electronic ticket. Coupons. It is understandable that, in the first embodiment of the present invention, if a consumer uses an electronic device such as a smart phone to directly purchase a trust ticket in an online store, the notification message generator 25 will directly send the trust ticket in electronic form to Consumers, for consumer use, the so-called physical ticket forms include, but are not limited to, for example, paper tickets, and other carriers (such as magnetic cards or chip cards) that can carry and record the verification code of the ticket and the content of the goods. , The trust ticket in the form of an electronic ticket refers to storing the ticket verification code and the product content of the prepaid product in the form of an electronic signal or digital data on a corresponding carrier or electronic device (such as a smart type). Mobile phone, computer, magnetic card or chip card) and need to use a reading device to be able to read it. In other words, the trust ticket in the form of electronic ticket refers to the storage of ticket verification and cancellation in the form of electronic signal or digital data Code and product content, and a reading device is required to read the ticket verification code and product content. As a preferred embodiment of the present invention, the aforementioned trust coupons in the form of physical coupons or trust coupons in the form of electronic coupons must at least record the coupon verification code, and notify the message generator 25 to verify the coupon The cancellation code is sent to the sales terminal 40 (including consumers) and the trust terminal 60 as an identification basis for the future use, verification and appropriation of the sold coupons.

A trust authorization processing program 26, which is responsible for communicating with the sales terminal 40, the bank 50 and the trust terminal 60 to exchange information and cash flow data, which is used to conduct trust through the bank 50 and the trust terminal 60 Assignments, grants, and refunds. In an embodiment of the present invention, the trust ticket transaction management program 23 obtains the payment information and orders the trust authorization processing program 26 to send a credit instruction to the bank 50 based on the order data, instructing the bank 50 to deposit the money paid by the consumer into the trust terminal. 60 designated trust accounts for trust.

The implementation of the transaction server 10 can be, but is not limited to, a server (Server), a computer (Personal Computer, PC) or other computer equipment that can run a computer program and can be connected to a communication network; wherein the communication network can be the Internet ( Internet), local area network (Local Area Network), intranet (Intranet) and other communication networks that can provide information transmission services.

As a preferred implementation of the new type of trust ticket trading system, the transaction server 10 provides an application program interface 11 for the trust ticket issuer 30, the sales terminal 40, the bank 50 and the trust terminal 60 to communicate with the transaction server through the communication network 10 application program interface 11 interface, you can realize the functions of prepaid commodity management, and the transaction, verification, appropriation and refund of the trust coupons corresponding to the prepaid prepaid commodities.

The transaction server 10 provides an application program interface 11 or an integrated interface that can interface with the trust ticket issuer 30, the sales terminal 40, the bank 50 and the trust terminal 60, and further through the secure communication protocol (Secure Sockets Layer, SSL) and transport layer Security protocol (Transport Layer Security, TLS) any of the encryption protocols for data exchange. Therefore, the trust ticket issuer 30 interfaces with the transaction server 10 through the application program interface 11, and can use the commodity management program 24 therein to conveniently manage and maintain prepaid commodities, including the listing, removal and modification of prepaid commodities. Operation.

The sales terminal 40 includes: physical stores (such as supermarkets or special stores) and virtual stores. In a proposed store (such as an online store), the sales terminal 40 usually has a transaction terminal device to provide a prepaid commodity transaction interface and support a variety of payment methods. The transaction terminal device includes: POS, Ibon, App, ATM, online credit card mechanism, and sales The transaction terminal equipment of the terminal 40 can be interfaced with the application program interface 11 through a communication network. Therefore, the trust ticket issuer 30 and the sales terminal 40 can interface with the transaction server 10 of the new trust ticket transaction system with very little construction cost, and realize the transaction, verification, payment, and verification of the trust ticket. Refund function.

The new trust ticket transaction system can provide functions including "transaction", "write off", "appropriation" and "refund" of trust tickets; among them, the "transaction" of trust tickets refers to the purchase of tickets by consumers The process until the trust coupons are generated; “write-off” refers to the process of verifying and canceling trust coupons when consumers use trust coupons; “appropriation” refers to the process after consumers use trust coupons to obtain goods or services , The process by which the trust end allocates the corresponding trust money to the trust ticket issuer or commodity supplier; “refund” refers to the consumer returning the purchased trust ticket and returning the original purchase money to the consumer As for the returned trust ticket, the ticket status of the corresponding ticket information in the transaction database 22 will be updated.

According to the content of the above-mentioned new trust ticket transaction system, the process of consumers purchasing trust tickets can be organized as shown in Figure 3, including:

1. Steps to purchase prepaid products, consumers purchase prepaid products from the sales end 40;

2. In the payment step, after the consumer completes the payment, the transaction system of this new type of trust ticket deposits the payment made by the consumer into the special trust account designated by the trust terminal 60;

3. Steps to generate the ticket verification code. The new trust ticket transaction system generates the ticket verification code. The rules for generating the ticket verification code: manufacturer code AAA, date, first random number, second random number , The third random combination of random numbers generates a coupon verification code;

4. The step of sending and recording the ticket verification code. The new trust ticket system sends the ticket verification code to the sales end (including consumers) and the trust end, as the sold trust ticket for future use, Identification basis for write-off and appropriation;

5. In the step of generating a trust ticket, the consumer obtains a trust ticket (which can be in electronic or physical form), and at least the aforementioned ticket verification code is displayed or printed on the trust ticket.

The following is an example to illustrate the process of consumers using the new trust ticket trading system to purchase trust tickets as follows.

(1) Consumers purchase products from the products displayed on the sales terminal 40, and the sales terminal 40 generates order information based on the products purchased by the consumer. The order information can be generated from the transaction terminal equipment in the physical store of the sales terminal 40, or It can be generated by a virtual store such as an online store or an electronic trading platform;

(2) Make the payment and enter the payment confirmation procedure. The payee or bank 50 confirms whether the payment is valid (for example, the consumer pays by credit card, electronic money or e-wallet, and the bank 50 as the acquiring bank is the payee. After receiving the request for transaction authorization, the payee will perform the payment confirmation procedure; if the consumer pays in cash, the bank that has a cash flow/accounting transaction with the sales terminal 40 for the payment generated by the order data is regarded as the For the payee of a cash payment, the payee confirms that the payment is successful and sends a reply message indicating that the payment was successful to the sales terminal 40; otherwise, if the payment fails, the payee generates a payment failure message and responds to the sales terminal 40, and then stops Transaction (behavior of physical store) or out of transaction (behavior of virtual store);

(3) After the payment is successful, the sales terminal 40 sends a payment message and order information indicating that the consumer has successfully paid to the transaction server 10, and the order information will be stored in the transaction database 22 of the transaction server 10;

(4) After the trust ticket transaction management program 23 of the transaction server 10 receives the payment message and order data, it first submits the order data to the ticket verification code generator 27 to generate non-repetitive ticket verification based on the order data Code (see the preceding description for the generation rules of the coupon verification code), the trust coupon transaction management program 23 then sends the generated coupon verification code (sent by the notification message generator 25) and necessary trust information to the trust terminal 60 In order to carry out the trust operation, the so-called trust information is for the trust terminal 60 to verify to determine whether to pass the trust. Generally speaking, the trust ticket issuer 30 and the trust terminal 60 can negotiate and determine the content of the trust information.

The function of the ticket verification code is to be used as the identification basis for the future use, verification and appropriation of the sold trust tickets. The ticket verification code and trust information sent by the trust ticket transaction management program 23 to the trust terminal 60 are used. The trust management server 61 will be stored in the trust database 62. Generally speaking, one of the possible implementations is that the trust terminal 60 sends a trust authorization code to the trust ticket transaction management program 23 after passing the trust verification.

An example of trust verification performed by the trust terminal 60 is illustrated here, but it is not limited to this manner of trust verification. After receiving the ticket verification code and trust information, the trust management server 61 performs the verification procedure of the ticket quota. The trust management server 61 searches the trust database 62 for the corresponding trust based on the ticket verification code and trust information. The ticket issuer 30's ticket trust information (including but not limited to: the issuance quota of the trust ticket corresponding to the prepaid commodity, such as the number of tickets to be issued and the total amount and the balance of the issuance quota... etc.) check whether it is still If there is a remaining issuance quota, the trust management server 61 generates a corresponding trust authorization code based on the ticket verification code and trust information, and sends the trust authorization code back to the trust ticket transaction management program of the transaction server 10 23; On the contrary, if there is no issuance quota, the trust management server 61 returns a message that the trust authorization has failed to the trust ticket transaction management program 23 of the transaction server 10.

(5) After the trust ticket transaction management program 23 obtains the payment information, it orders the trust authorization processing program 26 to send a credit instruction to the bank 50 (that is, the payee) based on the order data, instructing the bank 50 to deposit the money paid by the consumer Trust account designated by the trust terminal 60; in other implementations, after the trust is passed and the trust authorization code is received, the trust authorization processing program 26 of the transaction server 10 sends a credit instruction and a trust authorization code to the bank 50 based on the order data, indicating The bank 50 deposits the money paid by the consumer into the special trust account designated by the trust terminal 60;

(6) After the transaction server 10 receives the payment message or the trust success message, the trust ticket transaction management program 23 of the transaction server 10 sends a print command to the notification message generator 25 to send the ticket verification code To the sales terminal 40 to generate trust coupons, for example: the transaction terminal equipment of the sales terminal 40, such as a printer or a ticket dispenser, outputs the trust coupons in physical form; in other embodiments, the notification message generator 25 sends the trust coupons in electronic form. Trust coupons (including coupon verification codes and product content of prepaid products) are sent directly to consumers for holding, such as but not limited to sending trust coupons to consumers via SMS, e-mail or text message for storage On the corresponding carrier or electronic device (such as smart phone, computer, magnetic card or chip card).

Although the technical means of the present invention have been disclosed through the above-mentioned embodiments, it is not intended to limit the present invention. Anyone familiar with similar art can make some changes and modifications without departing from the spirit and scope of the present invention. Therefore, the scope of patent protection of this new model shall be subject to what is defined by the claims attached to this specification.

10: Transaction server

11: Application Programming Interface

30: Trust ticket issuer

40: sales side

50: Bank

60: Trust end

61: Trust Management Server

62: Trust Database

Claims (2)

A transaction system for trust tickets, including: a transaction server, the transaction server provides an application program interface, and trust ticket issuers, sales terminals, banks, and trust terminals 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 commodity information of prepaid commodities, the commodity information at least including the manufacturer code and the content of the commodity; A transaction database for storing order data and ticket information of the prepaid commodity and its corresponding trust ticket; A trust ticket transaction management program that receives the order data from the sales terminal and a paid message indicating that the consumer has successfully paid, stores the order data in the transaction database, and sends out a payment message after receiving the payment message Print order, the trust ticket transaction management program is used to process the transaction of the trust ticket, the access and update of the order data and the ticket information in the transaction database; A commodity management program for accessing and managing the commodity data in the commodity database. The trust ticket issuer can interface with the commodity management program through the application program interface to provide the trust ticket issuer with management and maintenance The functions of the prepaid commodity, including the operations of putting on, removing and modifying the prepaid commodity; A coupon verification code generator that generates a unique coupon verification code based on the order data. The coupon verification code generator will include: the manufacturer code, date, and a random combination of multiple data of the first random number Into the ticket verification code; A notification message generator for sending the ticket verification code to the trust terminal to notify The message generator also receives the printing order from the trust ticket transaction management program, and sends the ticket verification code to the sales terminal according to the printing command, so that the sales terminal can generate at least the ticket verification code Code of trust tickets; and A trust authorization processing program, which is responsible for communicating with the sales terminal, bank and trust terminal to exchange information and cash flow data. After the trust ticket transaction management program obtains the payment information, the trust authorization processing program orders the trust authorization processing program according to the order data. The bank sends a credit instruction, instructing the bank to deposit the money paid by the consumer into the special trust account designated by the trust terminal. The trust ticket transaction system of claim 1, which includes multiple data of the manufacturer code, date, the first random number, a second random number, and a third random number, which are randomly combined into the ticket for verification and cancellation code.

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