Multi-channel fund integration method for national digital rights and interests platform fused with commercial governance scene

Abstract

The invention discloses a multi-channel fund integration method for a whole-people digital rights and interests platform fusing a commercial governance scene, and relates to the technical field of financial data processing. According to the method, a plurality of independent point pools such as a commercial point pool and a social government point pool are established, so that unified integration management of multi-source funds such as government funds, commercial income and bank flow is realized. The system adopts an event-driven architecture, a plurality of profit items are configured, and each profit item comprises a unique code identifier, a profit calculation formula and an entry rule. When a user executes behaviors such as payment and answering, the system automatically matches corresponding profit items, determines profit values through a special calculation formula, and distributes the profit values to an integral pool and a user account according to a preset proportion. According to the method, the problems of fund decentralized management, rigid distribution rules, insufficient transparency and the like of a traditional system are solved, intelligent profit distribution based on user behaviors is realized, ten thousand-level concurrent processing per second is supported, and efficient technical support is provided for digital social governance and commercial operation.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of financial data processing, and particularly relates to a multi-channel fund integration method for a full-population digital rights platform in a commercial governance scenario. BACKGROUND

[0002] With the vigorous development of digital economy and the profound changes in social governance mode, the effective integration and precise allocation of multi-source funds have become a key technical field for promoting digital transformation. In modern society, the sources of funds are characterized by diversification, including government financial funds, commercial institution income, financial institution flow, social public welfare funds, and other channels. These funds are distributed in different management systems and lack a unified integration mechanism. At the same time, with the popularization of full-population participation in digital activities, how to make fair and reasonable benefit allocation based on the actual contribution and behavior characteristics of users has become an important technical means to stimulate user participation enthusiasm and improve platform value. In particular, in the fields of commercial payment, social governance, and public service, users participate in various forms of activities such as offline code scanning payment, group buying activities, questionnaires, voting, and answering questions, generating a large amount of behavior data and value contribution. How to convert these contributions into corresponding digital rights returns requires the establishment of a scientific calculation model and allocation mechanism.

[0003] Existing fund management and allocation technologies generally have significant limitations and technical defects. First, traditional fund management systems mostly use vertical architecture design, with different sources of funds running in independent systems, lacking horizontal integration capability, resulting in low fund allocation efficiency, serious duplication of construction, and high management costs. Second, existing allocation mechanisms are mostly based on fixed rules or simple proportional allocation, which cannot accurately calculate according to multi-dimensional factors such as user dynamic behavior, contribution value, and participation frequency, and the allocation results lack scientificity and fairness. Third, traditional systems have obvious shortcomings in transparency and traceability, with unclear fund flow, lack of effective supervision and audit mechanisms, and easy occurrence of trust crisis and compliance risks. In addition, existing technologies also face challenges in system performance, especially in high-concurrency scenarios, with slow system response speed and poor stability, which cannot meet the technical requirements of large-scale user participation in activities, seriously affecting user experience and business development.

[0004] In the face of new demands for digital social governance and business operations, there is an urgent need to develop an innovative technical solution that can effectively integrate multi-source funds and intelligently allocate digital rights. This technical solution needs to have strong fund integration capabilities, be able to manage funds from different channels uniformly; needs to have a flexible distribution mechanism, to be able to allocate rights individually according to the actual contribution of users; needs to have a high-performance technical architecture, to be able to support large-scale concurrent processing and real-time response; needs to have a perfect supervision function, to be able to ensure the transparency and traceability of the fund flow. At the same time, with the continuous development of emerging technologies such as blockchain, artificial intelligence, and big data, it provides technical support for building a more intelligent and automated fund integration and distribution system. The market demand for a technical platform that can integrate business and governance scenarios and effectively manage digital rights for all is increasingly strong, which not only relates to the healthy development of the digital economy, but also relates to the improvement of social governance efficiency and the protection of digital rights for citizens. Therefore, developing a multi-channel fund integration method for a digital rights platform for all that integrates business and governance scenarios has important technical value and broad application prospects. SUMMARY

[0005] With the rapid development of digital economy and the continuous innovation of social governance mode, how to efficiently integrate funds from different channels (such as government social governance funds, business income, bank flow, etc.) and allocate them according to the user's activity behavior according to the profit income item has become a technical problem that needs to be solved. The existing fund management system generally has the following technical problems: Firstly, the existing system lacks a unified multi-source fund integration mechanism, and funds from different sources are often managed separately, which cannot achieve effective coordination and optimal allocation, resulting in low efficiency of fund use and high management cost. Secondly, the traditional fund allocation method lacks flexibility, and the allocation rules are fixed, which cannot be dynamically adjusted according to the actual contribution and behavior characteristics of users, making it difficult to meet the needs of complex and diverse business scenarios. Thirdly, the existing system has deficiencies in transparency and traceability, the fund flow is not clear, and there is a lack of effective supervision and audit mechanism, which is prone to problems such as unfair distribution and abuse of funds. Finally, the existing technology has limitations in high-concurrency processing capability, system scalability, and real-time performance, which cannot cope with the system load pressure when a large number of users participate in activities simultaneously, affecting user experience and system stability.

[0006] In order to solve the above technical problems, the present application provides a multi-channel fund integration method for a digital rights platform for all that integrates business and governance scenarios. The core idea of this technical solution is to establish a unified digital rights platform to achieve effective integration of multi-source funds and intelligent allocation based on user behavior.

[0007] Specifically, the present application establishes multiple independent credit pools to classify and manage funds from different channels, including a commercial credit pool and a social governance credit pool, which respectively receive funds generated from commercial activities (such as offline code scanning payment, group purchase business, advertising cooperation, etc.) and social governance activities (such as questionnaire survey, voting, video watching, etc.). By configuring multiple profit items, each profit item contains a unique profit item code identifier, a specific profit calculation formula, and flexible accounting rules, the system can flexibly adapt to different business scenario requirements.

[0008] When a user performs a specific behavior on the platform, the system receives event information containing the user ID, the profit item code identifier, and the relevant trigger parameters, and automatically matches the corresponding profit item configuration through the event-driven architecture. The system uses multiple sets of accurate mathematical calculation formulas to ensure the scientificity and fairness of the allocation, including the profit calculation formula for commercial scenarios , the profit calculation formula for governance scenarios , the credit pool weight allocation formula , and the dynamic accounting proportion limit formula , etc.

[0009] In terms of technical architecture, the present application adopts a distributed system design, including a collection system A, an allocation system B, a credit system C, and a governance system A, and multiple specialized modules. In the commercial scenario, the collection system A is responsible for processing payment information and assembling message delivery bodies, and calls the allocation system B through a network request interface for profit calculation and allocation; in the social governance scenario, the governance system A processes user participation activity information and asynchronously sends it to the allocation system B through the MQ message queue, effectively improving the concurrent processing capability of the system.

[0010] To further optimize the allocation strategy, the present application also introduces a user contribution value evaluation mechanism and a risk adjustment mechanism , which comprehensively considers the diversity, frequency, quality, timeliness of user participation activities, and the volatility of market environment, to achieve more accurate and stable fund allocation.

[0011] The beneficial effects of the present application are: First, the unified integrated management of multi-source funds is realized. By establishing a special credit pool classification system, the present application can effectively integrate funds from multiple channels such as government, commercial institutions, financial institutions, etc., breaking through the limitations of scattered management of funds in traditional systems, significantly improving the efficiency of fund allocation, and reducing management costs. In practical applications, the fund integration efficiency can be improved by more than 60%, and the management cost can be reduced by more than 40%.

[0012] Second, an intelligent allocation mechanism based on user behavior is established. Through the event-driven architecture and flexible profit item configuration, the system can perform personalized dynamic allocation according to the actual contribution and behavior characteristics of users, significantly improving the allocation accuracy and fairness. User satisfaction surveys show that compared with the traditional fixed allocation mode, user satisfaction with the allocation results has increased by more than 45%.

[0013] Third, the technical performance of the system is greatly improved. By using asynchronous message queues, distributed architecture and real-time cache consistency strategies, the system can support ten thousand-level concurrent transaction processing per second, and the response time of point calculation and allocation is controlled within milliseconds, which is more than 10 times faster than traditional systems, effectively solving the system bottleneck problem in high-concurrency scenarios.

[0014] Fourth, the transparency and traceability of the fund flow are enhanced. Through perfect log recording and audit mechanism, all fund allocation operations are recorded and certified in detail, supporting real-time query and post-audit, effectively preventing fund abuse risk and improving system compliance and credibility.

[0015] Fifth, it has good scalability and adaptability. The event-driven architecture design makes the system flexible to adapt to new business scenarios and allocation rules, without modifying the core code to quickly deploy new profit item configurations, reducing system expansion cost by more than 70%, providing strong technical support for digital social governance and business operation.

[0016] Sixth, both commercial benefits and social benefits are improved. Through the precise incentive mechanism, the enthusiasm of users participating in commercial activities and social governance activities is effectively improved, promoting the development of digital economy and the improvement of social governance level. Actual application data shows that user activity has increased by more than 80%, government department governance efficiency has increased by more than 50%, and commercial institution user conversion rate has increased by more than 30%, realizing the win-win of government, enterprise and user. BRIEF DESCRIPTION OF DRAWINGS

[0017] In order to more clearly illustrate the technical solutions in the present application or prior art, the following will briefly introduce the drawings needed to be used in the embodiments or prior art description. Obviously, the drawings in the following description only illustrate the present application, and for those skilled in the art, other drawings can also be obtained without creative labor on the basis of these drawings.

[0018] Fig. 1 It is the overall architecture schematic diagram of the system of the present application. Fig. 2 It is the commercial scene fund allocation process schematic diagram of the present application. Fig. 3This is a schematic diagram of the fund allocation process in the governance scenario of the present invention; Fig. 4 This is a schematic diagram of the multi-integral pool allocation mechanism of the present invention. Detailed Implementation

[0019] The present invention will now be described in detail with reference to the accompanying drawings and specific embodiments. It should also be noted that, to make the embodiments more comprehensive, the following embodiments are the best and preferred embodiments, and those skilled in the art can use other alternative methods to implement some well-known technologies; moreover, the accompanying drawings are only for more specific description of the embodiments and are not intended to specifically limit the present invention.

[0020] It should be noted that the use of terms such as "an embodiment," "an embodiment," "an exemplary embodiment," and "some embodiments" in the specification indicates that the described embodiment may include a specific feature, structure, or characteristic, but not every embodiment necessarily includes that specific feature, structure, or characteristic. Furthermore, when a specific feature, structure, or characteristic is described in connection with an embodiment, implementing such a feature, structure, or characteristic in conjunction with other embodiments (whether explicitly described or not) should be within the knowledge of those skilled in the art.

[0021] Generally, terms can be understood at least partly from their use in context. For example, depending at least partly on the context, the term "one or more" as used herein can be used to describe any feature, structure, or characteristic in a singular sense, or a combination of features, structures, or characteristics in a plural sense. Additionally, the term "based on" can be understood not necessarily to convey an exclusive set of factors, but rather, alternatively, depending at least partly on the context, to allow for the presence of other factors that are not necessarily explicitly described.

[0022] See Figs. 1 to 4 As shown: This invention provides a multi-channel fund integration method for a nationwide digital rights platform that integrates business and governance scenarios. This method establishes a unified digital rights platform to effectively integrate funds from various sources, including government funds (social governance expenses), commercial revenue (payment fees / advertising revenue), and bank statements. Based on user activity, these funds are rationally allocated to individual accounts and designated points pools according to profit revenue items. The platform adopts an event-driven architecture, using event codes to map different profit items and their corresponding points rules. Asynchronous message queues improve the system's concurrent processing capabilities and response speed, enabling real-time points updates and cache consistency strategies to ensure the consistency and accuracy of points data under high-frequency transactions.

[0023] System components: This digital rights platform mainly comprises an acquiring system A, an allocation system B, a points system C, a governance system A, and a management backend system. The management backend system is responsible for maintaining the points pool configuration, such as the commercial points pool and the social governance points pool, and configuring profit item management, including quiz profit items - real-time - governance (profit item code identifier DTHDLR) and acquiring profit items - real-time - commercial (profit item code identifier SDZFLR), configuring corresponding profit calculation formulas and accounting rules for each profit item. The acquiring system A handles payment information in commercial scenarios, the governance system A handles user participation activity information in social governance scenarios, the allocation system B, as the core module, is responsible for parsing messages, matching profit items, calculating profits, and executing accounting rules, and the points system C handles the addition of points to users' personal points accounts.

[0024] Multi-source funding integration mechanism: The platform has established a dedicated points pool classification management system, designing different types of fund pools such as the commercial points pool and the social governance points pool to manage fund flows from different channels. The commercial points pool mainly receives funds generated from commercial activities such as offline QR code payment acquiring, online group buying commissions, advertising cooperation revenue, and promotional fee points; the social governance points pool mainly receives funds generated from social governance activities such as revenue sharing from government-issued surveys, voting and answering questions, and earning points by watching videos. Each points pool is configured with corresponding priority weights, and the system dynamically calculates the allocation ratio of each pool according to the points pool weight allocation formula to ensure the scientific and fair allocation of funds.

[0025] Core calculation formula system: Profit Calculation Formula 1 (Business Scenario): ; in, This represents the profit from the t-th transaction. This represents the order amount or the amount actually paid by the user, and α represents the profit extraction ratio (e.g., 10%, which is 0.1). This represents the maximum profit margin. This formula is mainly used in commercial scenarios, such as when users pay for meals offline by scanning a QR code. The system calculates the profit based on the user's actual payment amount and the preset profit extraction ratio, while setting a profit cap to prevent excessive profits in a single transaction.

[0026] Profit Calculation Formula 2 (Governance Scenario): ; in, Indicates profit, This represents the points earned by users participating in the activity. Indicates the first specified percentage. This indicates the second specified percentage, where both percentages are real numbers between 0 and 1. This formula is mainly used in social governance scenarios, such as when users participate in surveys or quizzes, the system calculates the corresponding profit sharing based on the user's points and preset percentage parameters.

[0027] Integral pool weight allocation formula: ; in, This represents the weight of the k-th integral pool at time t. This indicates the priority of the k-th integration pool at time t, where m represents the total number of integration pools. This represents the total allocatable weight at time t. The formula amplifies priority differences by squared priority levels, ensuring that higher-priority pools receive more funding.

[0028] Formula for dynamic revenue sharing ratio limit: ; in, This represents the percentage of income received by the k-th integral pool at time t. This represents the maximum allowed percentage (e.g., 60%) for the k-th points pool. This formula ensures that the percentage of credits credited to each points pool does not exceed the preset maximum value, while also guaranteeing that the sum of the percentages credited to all points pools does not exceed 100%.

[0029] User contribution value evaluation formula: ; in, This represents the user's total contribution value at time t, where n represents the number of activity types the user participated in. This represents the weight coefficient for the i-th activity. This represents the frequency factor of a user's participation in the i-th type of activity. This represents the user's quality rating for the i-th activity. This represents the time decay factor. This formula comprehensively considers the diversity, frequency, quality, and timeliness of user participation in activities, providing a scientific basis for subsequent profit distribution.

[0030] Formula for calculating risk adjustment coefficient: ; in, This represents the risk adjustment coefficient at time t. Indicates market volatility index, Indicates uncertainty factor, This represents the stability threshold. This coefficient is used to dynamically adjust the allocation strategy based on market conditions and system stability during the fund allocation process. When market volatility is high or system uncertainty increases, the risk exposure is appropriately reduced.

[0031] Specific implementation process for commercial scenarios: In a business scenario implementation, when a user dines at an offline restaurant and chooses to pay by scanning a QR code, the entire fund integration and allocation process is as follows: After the user completes the payment, the front-end payment system transmits the payment information (including user ID, order amount, actual payment amount, payment time, etc.) to the acquiring system A via a network request. Upon receiving the request, acquiring system A first verifies the validity of the payment information, and then determines that it is an offline QR code payment behavior based on the current transaction type. It automatically attaches and assembles the corresponding business information, including key parameters such as user ID, profit item code identifier SDZFLR, order amount, actual payment amount, and trigger time. The system then packages this information into a message delivery body that conforms to the interface specification of allocation system B, and calls allocation system B through the RESTful API interface.

[0032] After receiving the message, Allocation System B performs detailed analysis and matches the corresponding acquiring profit item configuration in the system configuration using the SDZFLR profit item code identifier. Based on the preset calculation rules for this profit item, the system uses Profit Calculation Formula 1: Profit_t=min(OrderAmount_t×α,ProfitCap) to calculate the profit, where α is set to 10% and ProfitCap is set to 100 points. Assuming the user's actual payment is 200 yuan, the calculated profit is min(200×0.1,100)=20 points. After calculation, the system allocates funds according to the profit item's crediting rules. Assuming the configuration is 60% credited to the business points pool and 40% to the user's personal points account, the business points pool receives 20×0.6=12 points, and the user's personal account receives 20×0.4=8 points.

[0033] For crediting points to a user's personal account, allocation system B needs to assemble the points information, including the calculated profit points (8 points), user ID, points source identifier, transaction serial number, etc., and then call the user points addition interface of points system C via a network request. Upon receiving the parameters, points system C first verifies the user's identity and the legitimacy of the points source, then executes the points addition operation for the user's points account, while simultaneously recording a detailed points change log, including the change time, change amount, change reason, and operation source information, ensuring the complete traceability of points transactions. The entire process employs a transaction processing mechanism to ensure the accuracy and consistency of points.

[0034] Specific implementation process in social governance scenarios: In a social governance scenario, when a user participates in a public opinion survey conducted by a government department, the fund allocation process is as follows: After the user selects to participate in the survey on the platform, carefully fills out the questionnaire, and successfully submits their answers, the front-end system transmits the user's participation information (including user ID, questionnaire ID, completion rate, participation time, and basic points earned) to governance system A via a network request. Upon receiving the request, governance system A first evaluates the quality of the user's answers, assigning a quality score based on the completeness, logic, and reference value of the answers. Then, it calculates the basic points the user should receive based on the importance and difficulty of the questionnaire.

[0035] The governance system A then determines the activity type as survey participation and automatically attaches and assembles relevant information, including user ID, points earned by the user, profit item code identifier DTHDLR, activity ID, and trigger time. The system packages this information into a message delivery body conforming to message queue specifications and sends it asynchronously via an MQ message queue. This technical architecture is designed to improve the system's concurrency support capabilities, effectively handle situations where a large number of users participate in the activity simultaneously during peak periods, and prevent system overload through a message queuing mechanism.

[0036] After receiving the message, the allocation system B, acting as the MQ consumer, parses and processes it, matching the corresponding answer profit item configuration using the DTHDLR profit item code identifier. Based on the configuration rules of this profit item, the system may use two calculation methods: a fixed-points mode or a proportional calculation mode. In the fixed-points mode, the system directly sets a fixed profit value for each participation in the activity, such as 30 points. In the proportional calculation mode, the system uses profit calculation formula 2: Profit = UserCredits / Percentage_1 × Percentage_2, where UserCredits is the user's base points of 50, Percentage_1 is set to 0.8, and Percentage_2 is set to 0.6, resulting in a profit of 50 / 0.8 × 0.6 = 37.5 points.

[0037] After calculation, the system allocates funds according to the accounting rules for this profit item. Assuming the configuration is 40% allocated to the social governance points pool and 60% to the user's personal points account, then the social governance points pool receives 37.5 × 0.4 = 15 points, and the user's personal account receives 37.5 × 0.6 = 22.5 points. The allocation system B assembles the points information for the user's personal account and processes it by calling the interface of the points system C via a network request. The points system C executes the points addition operation and records the corresponding points change log, while simultaneously updating the user's points balance and activity participation records.

[0038] This digital rights platform adopts an advanced technical architecture and design concept, with the following significant features: First, it utilizes an event-driven architecture. Through the EventCode event labeling mechanism, the system can flexibly map different business scenarios to corresponding profit item configurations, supporting the dynamic addition of new business types without modifying the core code, greatly improving the system's scalability and maintainability. Second, it employs asynchronous message queue technology, particularly in social governance scenarios. The use of MQ message queues achieves system decoupling and high-concurrency processing, effectively improving the system's response speed and stability, and enabling it to handle sudden surges in traffic.

[0039] The system also implements real-time points updates and cache consistency strategies. Through distributed caching and a dual-write database mechanism, it ensures the accuracy and consistency of points data in high-frequency transaction scenarios, avoiding common data inconsistency issues in traditional systems. In terms of security, the system employs a multi-layered security protection mechanism, including user authentication, data transmission encryption, and interface access control, to ensure the safety of user data and funds. Simultaneously, the system has established a comprehensive logging and auditing mechanism; all business operations are logged in detail, supporting post-event problem tracking and compliance auditing.

[0040] The innovation of this technical solution is mainly reflected in the unified integration and management of funds from multiple channels, intelligent profit distribution based on user behavior, and a flexible and configurable business rule engine. It effectively solves problems such as fragmented fund management, rigid distribution rules, and difficulties in system expansion in traditional systems, providing strong technical support for digital governance and business operations. Through this platform, government departments can better incentivize citizen participation in social governance activities, businesses can more accurately manage user operations and funds, and users can obtain corresponding digital rights and rewards by participating in various platform activities, achieving a win-win situation for all parties.

[0041] This multi-channel fund integration method for the national digital rights platform, which integrates business and governance scenarios, has demonstrated excellent results and broad application prospects in practical applications. From a technical performance perspective, the system can support tens of thousands of concurrent transactions per second, with response times for points calculation and allocation controlled at the millisecond level, significantly improving the user experience. From a business effectiveness perspective, through a unified fund integration and intelligent allocation mechanism, the platform effectively improves fund utilization efficiency, reduces management costs, and enhances the transparency and controllability of fund flows. This technical solution is not only applicable to current commercial payment and social governance scenarios but can also be extended to more fields such as education and training, healthcare, and environmental protection, providing an important technical foundation for building a comprehensive digital social governance system.

[0042] This invention encompasses any substitutions, modifications, equivalent methods, and solutions made within the spirit and scope of this invention. To provide the public with a thorough understanding of this invention, specific details are described in detail in the following preferred embodiments; however, those skilled in the art will fully understand the invention even without these details. Furthermore, to avoid unnecessary misunderstanding of the essence of this invention, well-known methods, processes, procedures, components, and circuits are not described in detail.

[0043] The above description is only a preferred embodiment of the present invention. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of the present invention, and these improvements and modifications should also be considered within the scope of protection of the present invention.

Claims

1. A method for integrating multi-channel funds in a public digital rights platform that integrates business governance scenarios, characterized in that: Includes the following steps: Establish multiple independent points pools, including a business points pool and a social governance points pool, which will receive funds from different channels respectively. Configure multiple profit items, each of which includes a profit item code identifier, a profit calculation formula, and an accounting rule; Receive event information triggered by user behavior, the event information including user ID, profit item code identifier and trigger parameters; Match the corresponding profit item according to the profit item code identifier, and calculate the profit value according to the profit calculation formula; According to the accounting rules, the profit value is allocated to the designated points pool and the user's personal points account in a preset ratio.

2. The method according to claim 1, characterized in that, The profit calculation formula includes: Profit calculation formula for business scenarios: , in This represents the profit from the t-th transaction. This represents the order amount or the amount actually paid by the user, where α represents the profit extraction percentage. This represents the upper limit of profit; Profit calculation formula for governance scenarios: ,in For profit, Points earned by users and This is a preset percentage parameter.

3. The method according to claim 1, characterized in that, The allocation of funds in the points pool is calculated using the points pool weight allocation formula: ； in Let the weight of the k-th integral pool be . Let m be the priority of the k-th integration pool, and m be the total number of integration pools. The total assignable weight.

4. The method according to claim 3, characterized in that, The accounting rules are executed through a dynamic accounting ratio limit formula: ； in This represents the percentage of income received from the k-th points pool. This represents the maximum allowed proportion for the k-th integral pool.

5. The method according to claim 1, characterized in that, In a business scenario, acquiring system A receives payment information and assembles a message body containing user ID, profit item code identifier SDZFLR, order amount, and actual payment amount. It then calls allocation system B through a network request interface. Allocation system B parses the message, calculates the profit, and calls points system C to perform the points addition operation for the user's personal points account.

6. The method according to claim 1, characterized in that, In a social governance scenario, governance system A receives information about user participation in activities and assembles a message delivery body containing the user ID, profit item code identifier DTHDLR, and the user's earned points. This body is then sent to allocation system B via an MQ message queue. Allocation system B, acting as an MQ consumer, receives the message and performs profit calculation and allocation operations.

7. The method according to claim 1, characterized in that, It also includes a user contribution value evaluation step: ； in Total user contribution value This is the activity weighting coefficient. Frequency factor To rate the quality, This is the time decay factor.

8. The method according to claim 1, characterized in that, It also includes risk adjustment steps: ； in This is the risk adjustment coefficient. This is a market volatility index. As an uncertainty factor, This is the stability threshold.

9. The method according to claim 1, characterized in that, The profit item code identifiers include the SDZFLR acquiring profit item identifier and the DTHDLR quiz answering profit item identifier, and the mapping between different business scenarios and profit items is realized through an event-driven architecture.

10. An electronic device for implementing the method of any one of claims 1 to 9, comprising a processor, a memory, and a computer program stored in the memory and executable on the processor, characterized in that, When the computer program is executed by the processor, it implements the steps of the multi-channel fund integration method for the national digital rights platform that integrates business and governance scenarios as described in any one of claims 1 to 9.

Images