An intelligent distribution system, method and intelligent distribution system based on a polymerization payment platform

Abstract

The application relates to the field of intelligent distribution of accounts, in particular to an intelligent distribution of accounts system based on an aggregation payment platform, an intelligent distribution of accounts method and the intelligent distribution of accounts system. The intelligent distribution of accounts system based on the aggregation payment platform comprises a business core module and a bank front-end module; the business core module is used for obtaining distribution of account information data from a payment platform and sending the distribution of account information data to the bank front-end module; the bank front-end module is used for sending the distribution of account information data to a bank institution; the bank front-end module is also used for obtaining distribution of account results sent by the bank institution and sending the distribution of account results to the business core module; and the business core module is also used for receiving the distribution of account results sent by the bank front-end module and sending the distribution of account results to the payment platform. The business core module and the bank front-end module are arranged in the bank institution, directly rely on the financial service qualification of the bank, do not need to depend on the license of the payment platform, do not exist the risk of violation of rules, are safer and have less restrictions compared with other online distribution of accounts methods.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of intelligent distribution, in particular to an intelligent distribution system based on an aggregation payment platform, a method thereof and the intelligent distribution system. BACKGROUND

[0002] Most of the existing distribution methods of the aggregation payment platform adopt offline distribution operations: first, merchant access is performed, and merchant-related information is configured on the payment platform; second, distribution information is set for the merchants in the platform; and finally, distribution operations are performed, most of which are offline distribution operations, and a small part of online distribution operations are highly dependent on the payment platform.

[0003] The existing offline distribution process mostly collects data in the form of a table, which is tedious and error-prone, and has no visual management page configuration.

[0004] The existing offline distribution process is complicated, requires manual confirmation through multiple systems, has a long confirmation period, and is prone to problems such as a long distribution fund arrival period and an impact on the interests of merchants.

[0005] The existing online distribution method requires dependence on the payment platform's own license, and once the payment platform has no payment license, there is a risk of violation.

[0006] The existing online distribution method only supports distribution of the payment platform's own merchants, which is an extension of capabilities within the same payment platform, and cannot adapt to other payment platforms. SUMMARY

[0007] Therefore, it is necessary to provide an intelligent distribution system based on an aggregation payment platform to solve the technical problems of the existing payment platform offline distribution complexity, online distribution dependence on the payment platform's own license, and high risk of violation. The specific technical solutions are as follows:

[0008] An intelligent distribution system based on an aggregation payment platform, comprising: a business core module and a bank pre-module;

[0009] The business core module is configured to obtain distribution information data from a payment platform, wherein the distribution information data includes but is not limited to: account information, order data, distribution rules, and distribution data.

[0010] The business core module is configured to send the distribution information data to the bank pre-module.

[0011] The bank pre-module is configured to receive the distribution information data sent by the business core module, send the distribution information data to a bank institution, and initiate a distribution instruction and / or obtain fund data from the bank institution.

[0012] The bank front-end module is further configured to obtain account distribution results sent by the bank institution and send the account distribution results to the business core module.

[0013] The business core module is further configured to receive the account distribution results sent by the bank front-end module and send the account distribution results to the payment platform.

[0014] The business core module and the bank front-end module are deployed inside the bank institution.

[0015] Further, the business core module further comprises one or more of the following: an account module, an order module, a profit sharing module, an account distribution module.

[0016] The account module comprises one or more of the following functions: payment platform configuration, platform merchant maintenance, payee merchant maintenance, account synchronization, developer maintenance, and basic information maintenance.

[0017] The order module comprises one or more of the following functions: daily synchronization, business order management, and order data maintenance.

[0018] The profit sharing module comprises one or more of the following functions: profit sharing rule configuration, profit sharing, and profit sharing data maintenance.

[0019] The account distribution module comprises one or more of the following functions: account distribution rule configuration, daily account distribution, and account distribution result processing.

[0020] The bank front-end module further comprises one or more of the following: a bank account distribution module and a bank account module.

[0021] The bank account distribution module comprises one or more of the following functions: pulling account distribution files, daily fund verification, daily account distribution, sending account distribution instructions, account distribution data maintenance, and account distribution result processing.

[0022] The bank account module comprises one or more of the following functions: acquirer account maintenance, daily synchronization of funds, and fund data maintenance.

[0023] Further, the account distribution rule comprises a T+1 account distribution mode, where T is the settlement day.

[0024] To solve the above technical problems, an intelligent account distribution method based on an aggregation payment platform is also provided, and the specific technical solutions are as follows:

[0025] An intelligent account distribution method based on an aggregation payment platform, comprising the steps of:

[0026] The business core module receives account distribution information data sent by the payment platform, which includes but is not limited to: account information, order data, account distribution rules, and account distribution data.

[0027] The business core module sends the account distribution information data to the bank front-end module;

[0028] The bank front-end module receives the account distribution information data sent by the business core module, and sends the account distribution information data to the bank institution, and initiates an account distribution instruction and / or obtains fund data to the bank institution;

[0029] The bank front-end module obtains the account distribution result sent by the bank institution, and sends the account distribution result to the business core module;

[0030] The business core module receives the account distribution result sent by the bank front-end module, and sends the account distribution result to the payment platform;

[0031] The business core module and the bank front-end module are deployed inside the bank institution.

[0032] Further, the business core module further includes one or more of the following: an account module, an order module, a profit distribution module, an account distribution module;

[0033] The account module includes one or more of the following functions: payment platform configuration, platform merchant maintenance, payee merchant maintenance, account synchronization, developer maintenance, and basic information maintenance;

[0034] The order module includes one or more of the following functions: daily synchronization, business order management, and order data maintenance;

[0035] The profit distribution module includes one or more of the following functions: profit distribution rule configuration, profit distribution, and profit distribution data maintenance;

[0036] The account distribution module includes one or more of the following functions: account distribution rule configuration, daily account distribution, and account distribution result processing;

[0037] The bank front-end module further includes one or more of the following: a bank account distribution module and a bank account module;

[0038] The bank account distribution module includes one or more of the following functions: pulling an account distribution file, daily fund verification, daily account distribution, sending an account distribution instruction, account distribution data maintenance, and account distribution result processing;

[0039] The bank account module includes one or more of the following functions: acquirer account maintenance, daily synchronization of funds, and fund data maintenance.

[0040] Further, the account distribution rule includes a T+1 account distribution mode, where T is the settlement day.

[0041] To solve the above technical problems, an intelligent account distribution system is also provided, and the specific technical scheme is as follows:

[0042] An intelligent revenue sharing system, comprising: a payment platform, a business core module, a bank front-end module and a bank institution;

[0043] The business core module and the bank front-end module are deployed inside the bank institution;

[0044] The business core module is configured to obtain revenue sharing information data from the payment platform, the revenue sharing information data comprising but not limited to: account information, order data, revenue sharing rules, revenue sharing data;

[0045] The business core module is configured to send the revenue sharing information data to the bank front-end module;

[0046] The bank front-end module is configured to receive the revenue sharing information data sent by the business core module, send the revenue sharing information data to the bank institution, and initiate a revenue sharing instruction and / or obtain fund data from the bank institution;

[0047] The bank front-end module is further configured to obtain revenue sharing results sent by the bank institution and send the revenue sharing results to the business core module;

[0048] The business core module is further configured to receive the revenue sharing results sent by the bank front-end module and send the revenue sharing results to the payment platform.

[0049] Further, the business core module further comprises one or more of the following: an account module, an order module, a revenue sharing module, a revenue sharing module;

[0050] The account module comprises one or more of the following functions: payment platform configuration, platform merchant maintenance, payee merchant maintenance, account synchronization, developer maintenance, basic information maintenance;

[0051] The order module comprises one or more of the following functions: daily synchronization, business order management, order data maintenance;

[0052] The revenue sharing module comprises one or more of the following functions: revenue sharing rule configuration, revenue sharing, revenue sharing data maintenance;

[0053] The revenue sharing module comprises one or more of the following functions: revenue sharing rule configuration, daily revenue sharing, revenue sharing result processing;

[0054] The bank front-end module further comprises one or more of the following: a bank revenue sharing module, a bank account module;

[0055] The bank revenue sharing module comprises one or more of the following functions: pulling revenue sharing files, daily fund verification, daily revenue sharing, sending revenue sharing instructions, revenue sharing data maintenance, revenue sharing result processing;

[0056] The bank account module comprises one or more functions of the following: acquirer account maintenance, end-of-day synchronization of funds, and maintenance of funds data.

[0057] Further, the account distribution rule comprises a T+1 account distribution mode, where T is a settlement day.

[0058] Further, the bank institution is configured to generate an account distribution result based on the account distribution information data, and distribute each settlement amount to a corresponding account based on the account distribution result.

[0059] The present application has the following advantages: an intelligent account distribution system based on an aggregated payment platform, comprising a business core module and a bank front-end module; the business core module is configured to obtain account distribution information data from a payment platform, the account distribution information data comprising but not limited to account information, order data, account distribution rules, and account distribution data; the business core module is configured to send the account distribution information data to the bank front-end module; the bank front-end module is configured to receive the account distribution information data sent by the business core module, send the account distribution information data to a bank institution, and initiate an account distribution instruction and / or obtain funds data from the bank institution; the bank front-end module is further configured to obtain an account distribution result sent by the bank institution, and send the account distribution result to the business core module; the business core module receives the account distribution result sent by the bank front-end module, and sends the account distribution result to the payment platform; the business core module and the bank front-end module are deployed inside the bank institution, directly relying on the financial service qualification of the bank, without relying on the license of the payment platform, and without the risk of violating the rules, being safer and less restricted than other online account distribution methods. BRIEF DESCRIPTION OF DRAWINGS

[0060] Figure 1 A module schematic diagram of the intelligent account distribution system based on the aggregated payment platform according to the specific embodiment;

[0061] Figure 2 An application schematic diagram of the intelligent account distribution system based on the aggregated payment platform according to the specific embodiment Figure 1 ;

[0062] Figure 3 A sub-module schematic diagram of the intelligent account distribution system based on the aggregated payment platform according to the specific embodiment;

[0063] Figure 4 An application schematic diagram of the intelligent account distribution system based on the aggregated payment platform according to the specific embodiment Figure 2 ;

[0064] Figure 5 A flowchart of the intelligent account distribution method based on the aggregated payment platform according to the specific embodiment;

[0065] Figure 6 A module schematic diagram of an intelligent distribution system according to the embodiment.

[0066] Explanation of reference signs:

[0067] 100. An intelligent distribution system based on an aggregated payment platform,

[0068] 101. a business core module,

[0069] 102. a bank front-end module,

[0070] 600. An intelligent distribution system,

[0071] 601. a payment platform,

[0072] 602. a business core module,

[0073] 603. a bank front-end module,

[0074] 604. a banking institution. DETAILED DESCRIPTION

[0075] To describe the technical content, structural features, purposes and effects of the technical solutions in detail, the following will be described in detail in combination with specific embodiments and the accompanying drawings.

[0076] Please refer to Figures 1 to 4 In the embodiment, the specific implementation of an intelligent distribution system 100 based on an aggregated payment platform is as follows:

[0077] First, the core technical idea of the present application is described: the present application is a system that provides intelligent distribution for an aggregated payment platform relying on the financial service capabilities of the bank side. By configuring basic information such as the payment platform, channel merchants, acquirers, acquiring merchants, and landing accounts, the relationship between the platform merchants is associated, and at the end of the day, the order data of the payment platform is pulled through the data interface, the distribution data is sent to the bank side according to the distribution rule configuration, and through the B2B transfer and batch payment capabilities of the bank, the settlement amount of each scene is distributed to the corresponding account, achieving the purpose of instant account entry. The distribution system adopts a centralized deployment mode, and the distribution system service is deployed in the bank institution, and the bank institution uniformly outputs the distribution capability.

[0078] As shown in Figure 1 An intelligent distribution system 100 based on an aggregated payment platform, comprising: a business core module 101 and a bank front-end module 102;

[0079] The business core module 101 is configured to obtain distribution information data from the payment platform, wherein the distribution information data includes but is not limited to: account information, order data, distribution rules, and distribution data.

[0080] The business core module 101 is configured to send the account distribution information data to the bank pre-module 102.

[0081] The bank pre-module 102 is configured to receive the account distribution information data sent by the business core module 101, and send the account distribution information data to the bank institution, and initiate an account distribution instruction and / or obtain fund data to the bank institution.

[0082] The bank pre-module 102 is further configured to obtain the account distribution result sent by the bank institution, and send the account distribution result to the business core module 101.

[0083] The business core module 101 is further configured to receive the account distribution result sent by the bank pre-module 102, and send the account distribution result to the payment platform.

[0084] The business core module 101 and the bank pre-module 102 are deployed inside the bank institution.

[0085] The above specific application process diagram is shown in Figure 2

[0086] Through the above system, since the business core module 101 and the bank pre-module 102 are deployed inside the bank institution, directly relying on the financial service qualification of the bank, without relying on the license of the payment platform, there is no risk of violation of rules, and it is safer and less restricted than other online account distribution methods.

[0087] Further, as shown in Figure 3 The business core module 101 further includes one or more of the following: an account module, an order module, a profit distribution module, an account distribution module.

[0088] The account module includes one or more of the following functions: payment platform configuration, platform merchant maintenance, payee merchant maintenance, account synchronization, developer maintenance, and basic information maintenance.

[0089] The order module includes one or more of the following functions: daily synchronization, business order management, and order data maintenance.

[0090] The profit distribution module includes one or more of the following functions: profit distribution rule configuration, profit distribution, and profit distribution data maintenance.

[0091] The account distribution module includes one or more of the following functions: account distribution rule configuration, daily account distribution, and account distribution result processing.

[0092] The bank pre-module 102 further includes one or more of the following: a bank account distribution module and a bank account module. ​

[0093] The bank account module includes one or more of the following functions: pull the account file, end-of-day fund verification, end-of-day account, send account instructions, account data maintenance, account result processing.

[0094] The bank account module includes one or more of the following functions: pull the account file, end-of-day fund verification, end-of-day account, send account instructions, account data maintenance, account result processing.

[0095] By setting the above various functional modules, various scene needs can be met, so that it can be perfectly connected to the third-party payment platform as an independent system, and has better compatibility and is more convenient than other online account methods.

[0096] The specific account business process is as shown in Figure 4 .

[0097] Through the visual management page configuration of the above system, the disadvantages of offline account such as table statistics, complicated operation, and large error are solved, and the system empowers enterprises, units, and merchants to efficiently handle financial problems;

[0098] The above system can achieve efficient and secure data transmission through a multi-party trust mechanism, and solves the common problem of long confirmation period of offline account.

[0099] The above system is deployed on the bank side system, relying on the financial service qualification of the bank, without relying on the license of the payment platform, and there is no risk of violation of regulations, so it is safer and less restricted than other online account methods.

[0100] The above system is designed at the beginning, and the account mode of different payment platforms is comprehensively considered, which can be perfectly connected to the third-party payment platform as an independent system, and has better compatibility and is more convenient than other online account methods.

[0101] Further, the account rules include: using a T+1 account mode, where T is the settlement day. The system uses a T+1 (T is the settlement day) account mode, refuses to deposit funds, and real-time safeguards the interests of the accounted merchants.

[0102] Please refer to Figure 5 In the embodiment, an intelligent account method based on an aggregation payment platform can be applied to an intelligent account system based on an aggregation payment platform, which includes a business core module and a bank front-end module.

[0103] The specific implementation is as follows:

[0104] Step S501: The business core module receives the account distribution information data sent by the payment platform, which includes but is not limited to: account information, order data, account distribution rules, and account distribution data.

[0105] Step S502: The business core module sends the account distribution information data to the bank front-end module.

[0106] Step S503: The bank front-end module receives the account distribution information data sent by the business core module, sends the account distribution information data to the bank institution, and initiates an account distribution instruction and / or obtains fund data from the bank institution.

[0107] Step S504: The bank front-end module obtains the account distribution result sent by the bank institution and sends the account distribution result to the business core module.

[0108] Step S505: The business core module receives the account distribution result sent by the bank front-end module and sends the account distribution result to the payment platform; the business core module and the bank front-end module are deployed inside the bank institution.

[0109] Since the business core module and the bank front-end module are deployed inside the bank institution, they directly rely on the financial service qualification of the bank and do not need to rely on the license of the payment platform, thus avoiding the risk of violation of regulations and being safer and less restricted than other online account distribution methods.

[0110] Further, the business core module further includes one or more of the following: an account module, an order module, a profit distribution module, and an account distribution module.

[0111] The account module includes one or more of the following functions: payment platform configuration, platform merchant maintenance, payee merchant maintenance, account synchronization, developer maintenance, and basic information maintenance.

[0112] The order module includes one or more of the following functions: daily synchronization, business order management, and order data maintenance.

[0113] The profit distribution module includes one or more of the following functions: profit distribution rule configuration, profit distribution, and profit distribution data maintenance.

[0114] The account distribution module includes one or more of the following functions: account distribution rule configuration, daily account distribution, and account distribution result processing.

[0115] The bank front-end module further includes one or more of the following: a bank account distribution module and a bank account module.

[0116] The bank account splitting module includes one or more of the following functions: pulling account splitting files, verifying funds at the end of the day, splitting accounts at the end of the day, sending account splitting instructions, maintaining account splitting data, and processing account splitting results;

[0117] The bank account module includes one or more of the following functions: acquiring account maintenance, end-of-day synchronization of funds, and fund data maintenance.

[0118] By setting up the above various functional modules, it can meet the needs of various scenarios, so that it can be perfectly connected to the third-party payment platform as an independent system. Compared with other online account splitting methods, it has better compatibility and is more convenient.

[0119] Furthermore, the account splitting rules include: adopting a T+1 account splitting model, where T is the settlement date. The system adopts a T+1 (T is the settlement date) account splitting model, rejects fund accumulation, and protects the interests of merchants who should split the account in real time.

[0120] See also Figure 6 、 Figures 2 to 4 , a specific implementation of the intelligent account splitting system 600 is as follows:

[0121] An intelligent account splitting system 600 includes: a payment platform 601, a business core module 602, a bank front-end module 603, and a bank institution 604;

[0122] The business core module 602 and the bank front-end module 603 are deployed inside the bank institution 604;

[0123] The business core module 602 is used to obtain account splitting information data from the payment platform 601, and the account splitting information data includes but is not limited to: account information, order data, account splitting rules, and account splitting data;

[0124] The business core module 602 is used to send the account information data to the bank front-end module 603;

[0125] The bank front-end module 603 is used to receive the account splitting information data sent by the business core module 602, send the account splitting information data to the bank institution 604, and initiate an account splitting instruction and / or obtain fund data from the bank institution 604;

[0126] The bank front-end module 603 is further configured to obtain the account splitting result sent by the bank institution 604 and send the account splitting result to the business core module 602;

[0127] The business core module 602 is further configured to receive the account splitting result sent by the bank front-end module 603 and send the account splitting result to the payment platform 601 .

[0128] The above specific application process diagram is as followsFigure 2 As shown.

[0129] Through the above system, since the business core module 602 and the bank front-end module 603 are deployed inside the bank institution 604, they directly rely on the financial service qualification of the bank, do not need to rely on the license of the payment platform 601, and do not exist the risk of violation of regulations, are safer and have less restrictions than other online distribution methods.

[0130] Further, as shown, Figure 3 The business core module 602 further includes one or more of the following: an account module, an order module, a distribution module, a distribution module;

[0131] The account module includes one or more of the following functions: payment platform 601 configuration, platform merchant maintenance, collection merchant maintenance, account synchronization, developer maintenance, basic information maintenance;

[0132] The order module includes one or more of the following functions: daily synchronization, business order management, order data maintenance;

[0133] The distribution module includes one or more of the following functions: distribution rule configuration, distribution, distribution data maintenance;

[0134] The distribution module includes one or more of the following functions: distribution rule configuration, daily distribution, distribution result processing;

[0135] The bank front-end module 603 further includes one or more of the following: a bank distribution module, a bank account module;

[0136] The bank distribution module includes one or more of the following functions: pulling a distribution file, daily fund verification, daily distribution, sending a distribution instruction, distribution data maintenance, distribution result processing;

[0137] The bank account module includes one or more of the following functions: collection account maintenance, daily synchronization of funds, fund data maintenance.

[0138] Further, the distribution rule includes a T+1 distribution mode, where T is the settlement day.

[0139] Further, the bank institution 604 is configured to generate a distribution result according to the distribution information data, and distribute each settlement amount to a corresponding account according to the distribution result.

[0140] By setting the above various functional modules, various scene needs can be met, so that it can be perfectly connected to the third-party payment platform 601 as an independent system, and has better compatibility and is more convenient than other online distribution methods.

[0141] A specific revenue sharing process is as shown in Figure 4

[0142] The visual management page configuration of the system solves the problems of offline revenue sharing, such as complicated operation, large error, and the like, and empowers enterprises, units, and merchants to efficiently handle financial problems.

[0143] The system can achieve efficient and secure data transmission through a multi-party trust mechanism, and solves the problem of long confirmation cycle of offline revenue sharing.

[0144] The system is deployed on the bank side, relying on the financial service qualification of the bank, without relying on the license of the payment platform 601, and there is no risk of violation of regulations. Compared with other online revenue sharing methods, it is safer and less restricted.

[0145] The system is designed to consider different revenue sharing modes of different payment platforms 601, and can be perfectly connected to third-party payment platforms 601 as an independent system. Compared with other online revenue sharing methods, it has better compatibility and is more convenient.

[0146] Further, the revenue sharing rules include a T+1 revenue sharing mode, where T is the settlement day. The system adopts a T+1 (T is the settlement day) revenue sharing mode, rejects fund deposit, and real-time safeguards the interests of the revenue sharing merchants.

[0147] Further, the bank 604 is configured to generate a revenue sharing result based on the revenue sharing information data, and distribute each settlement amount to the corresponding account based on the revenue sharing result. Specifically, the bank can use its B2B transfer and batch payment capabilities to distribute each settlement amount to the corresponding account, achieving the purpose of instant account entry.

[0148] It should be noted that although the above embodiments have been described in this paper, the patent protection scope of the present application is not limited thereby. Therefore, based on the innovative idea of the present application, changes and modifications to the embodiments described herein, or equivalent structures or equivalent process transformations made using the contents of the present application specification and drawings, directly or indirectly apply the above technical solutions to other related technical fields, are all included in the patent protection scope of the present application.​

Claims

1. An intelligent revenue sharing system based on a polymeric payment platform, characterized in that, The system comprises: a business core module and a bank front-end module; the business core module is configured to obtain account information data, order data, account distribution rules, and account distribution data from a payment platform; the business core module is configured to send the account information data to the bank front-end module; the bank front-end module is configured to receive the account information data sent by the business core module, send the account information data to a bank institution, and initiate an account distribution instruction and / or obtain fund data from the bank institution; the bank front-end module is further configured to obtain account distribution results sent by the bank institution and send the account distribution results to the business core module; the business core module is further configured to receive the account distribution results sent by the bank front-end module and send the account distribution results to the payment platform; the business core module and the bank front-end module are deployed on a bank institution side system; the bank front-end module further comprises one or more of a bank account distribution module and a bank account module, and the bank account distribution module comprises one or more of the following functions: pulling an account distribution file, verifying funds at the end of the day, distributing accounts at the end of the day, sending an account distribution instruction, maintaining account distribution data, and processing account distribution results; the account distribution rules comprise a T+1 account distribution mode, where T is a settlement day, the bank account distribution module pulls an account distribution file, verifies funds after T settlement, and distributes settlement funds corresponding to each account distribution result to a corresponding account through B2B transfer and batch payment of the bank institution on T+1.

2. The intelligent account distribution system based on the aggregated payment platform according to claim 1, wherein the business core module further comprises one or more of an account module, an order module, a commission distribution module, and an account distribution module; the account module comprises one or more of the following functions: payment platform configuration, platform merchant maintenance, payee merchant maintenance, account synchronization, developer maintenance, and basic information maintenance; the order module comprises one or more of the following functions: end-of-day synchronization, business order management, and order data maintenance; the commission distribution module comprises one or more of the following functions: commission distribution rule configuration, commission distribution, and commission distribution data maintenance; the account distribution module comprises one or more of the following functions: account distribution rule configuration, end-of-day account distribution, and account distribution result processing; the bank account module comprises one or more of the following functions: acquirer account maintenance, end-of-day fund synchronization, and fund data maintenance.

3. A smart revenue sharing method based on a polymeric payment platform, characterized by, The system comprises the following steps: the business core module receives account information data, order data, account distribution rules, and account distribution data sent by a payment platform; the business core module sends the account information data to the bank front-end module; the bank front-end module receives the account information data sent by the business core module, sends the account information data to a bank institution, and initiates an account distribution instruction and / or obtains fund data from the bank institution; the bank front-end module obtains account distribution results sent by the bank institution and sends the account distribution results to the business core module; The business core module receives the account distribution result sent by the bank front-end module, and sends the account distribution result to a payment platform; The business core module and the bank front-end module are deployed on the bank institution side system; The bank front-end module further comprises one or more of the following: a bank account distribution module, a bank account module, the bank account distribution module comprising one or more of the following functions: pulling an account distribution file, daily fund verification, daily account distribution, sending an account distribution instruction, account distribution data maintenance, account distribution result processing; The account distribution rule comprises: adopting a T+1 account distribution mode, T being a settlement day, the bank account distribution module pulling an account distribution file, verifying funds after T settlement day, and distributing each settlement amount corresponding to the account distribution result to a corresponding account through B2B transfer and batch payment of the bank institution on T+1 day.

4. The intelligent account distribution method based on the aggregated payment platform according to claim 3, characterized in that, The business core module further comprises one or more of the following: an account module, an order module, a profit distribution module, and an account distribution module; The account module comprises one or more of the following functions: payment platform configuration, platform merchant maintenance, payee merchant maintenance, account synchronization, developer maintenance, and basic information maintenance; The order module comprises one or more of the following functions: daily synchronization, business order management, and order data maintenance; The profit distribution module comprises one or more of the following functions: profit distribution rule configuration, profit distribution, and profit distribution data maintenance; The account distribution module comprises one or more of the following functions: account distribution rule configuration, daily account distribution, and account distribution result processing; The bank account module comprises one or more of the following functions: acquirer account maintenance, daily synchronization of funds, and fund data maintenance.

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