Payment system and path generation method for network freight platform fund processing

Abstract

The application provides a payment system for fund processing of a network freight platform and a path generation method, constructs a three-layer entity-virtual collaborative architecture, includes multiple layers of accounts and their associated core rules, and generates a payment path in combination with corresponding payment types, applies the payment path to a payment system corresponding to the path generation method, matches the corresponding payment path according to the direct payment or transfer payment scene type, adapts to differentiated needs, and in the transfer payment scene, the service department and the bank virtual account VS(S, O, B) and the service department and the bank entity account ES(S, B) are matched, the matching rate of the flow and the document is improved, and the cross-bank transfer delay is avoided, the balance of each bank sub-account VU(U, O, B) is split through the consignor virtual account VU(U, O), the consignor precise withdrawal is realized, and the problems that the prior art cannot adapt to the service department multi-bank entity account management, the scene-based bank path matching and the consignor multi-bank balance splitting demand are solved.

Description

Technical Field

[0001] This invention relates to the field of cross-disciplinary technology of logistics information technology and financial technology, and in particular to a payment system for fund processing on an online freight platform and a route generation method. Background Technology

[0002] With the large-scale operation of online freight platforms, multi-entity fund transfer scenarios are characterized by diversified payment scenarios, multi-layered account types, and multi-polar bank cooperation, but existing technologies have many core defects.

[0003] In the current online freight platform payment process, the service department (usually an individual business owner) serves as a key node for fund transfer. However, its account is not clearly defined as a physical account under the group's bank, and it does not support the parallel management of multiple bank accounts. This results in a lack of clear account association rules when transferring funds between the platform and the service department, leading to frequent interbank transfers, slow arrival of funds, and increased transaction fees. Furthermore, as the physical account owner, the service department's account fund flow relies solely on bank transaction records. The platform lacks a corresponding virtual account mirror and cannot synchronize the business details of "platform transfer - driver payment" in real time. This necessitates manual verification of bank statements and business documents, which is inefficient and prone to errors. In addition, different payment scenarios require manual configuration of paths and cannot automatically switch based on the waybill's preset parameters, failing to respond to the differentiated needs of "direct payment for some waybills and transfer payment for some waybills".

[0004] In addition, existing online freight platforms do not link the virtual accounts of cargo owners to the balances of multiple bank accounts of the same entity. They only record the total balance. When withdrawing funds, the balance cannot be split according to the bank account actually deposited by the cargo owner, which easily leads to the problem of "the virtual account has a balance but the corresponding bank account has no funds" withdrawal failure.

[0005] In summary, existing technologies cannot meet the needs of service departments for managing multiple bank entity accounts, matching bank paths in specific scenarios, and splitting balances across multiple banks for cargo owners. There is an urgent need for a payment path generation method that can accurately adapt to the above scenarios. Summary of the Invention

[0006] The purpose of this invention is to solve the problems that existing technologies cannot adapt to the management of multiple bank entity accounts of service departments, the matching of scenarios with bank paths, and the needs of cargo owners to split balances across multiple banks. Therefore, this invention proposes a payment system and path generation method for fund processing of online freight platforms.

[0007] To achieve the above objectives, the present invention adopts the following technical solution: A method for generating payment paths for fund processing on an online freight platform includes: Step 1: Establish multi-level accounts; Step 2: Design the core rules for linking the multi-level accounts in Step 1; Step 3: Determine the payment type based on the payment request initiated by the user, and then generate the payment path by combining the payment type with the multi-level accounts and their associated core rules.

[0008] Furthermore, step 1 specifically includes the following steps: Step 11: Create a unique virtual account VU(U, O) for each cargo owner U, and under this account, split bank sub-accounts VU(U, O, B) according to the main cooperating bank; Step 12: Each platform entity O opens an independent entity account EA(O, B) with a partner bank as the collection and final destination account for cargo owners' funds. Then, the cargo owner's fund balance in the corresponding entity account EA(O, B) is synchronized with each bank sub-account VU(U, O, B) in real time. Step 13: Platform service department S opens service department entity accounts ES(S,B) with the cooperating banks respectively; Step 14: Create a unique virtual account VS(S,O,B) for each service department S, and synchronize the fund inflow, outflow details and balance of the service department with the bank entity account ES(S,B) in real time.

[0009] Furthermore, step 2 specifically includes the following steps: Step 21: Uniquely associate each bank sub-account VU(U, O, B) with the corresponding principal entity account EA(O, B); Step 22: Uniquely associate the main entity account EA(O,B) with the corresponding service department and bank virtual account VS(S,O,B); Step 23: Uniquely associate the service department with the bank virtual account VS(S,O,B) and the corresponding service department with the bank physical account ES(S,B).

[0010] Furthermore, step 3 specifically includes the following steps: Step 31: Obtain the payment request initiated by the user and identify the payment category based on the scenario type parameter in the payment request; Step 32: If the payment type is identified as transfer, then generate the payment path as follows: bank sub-account VU(U, O, B) → main entity account EA(O, B) → service department and bank virtual account VS(S, O, B) → service department and bank entity account ES(S, B) → driver account. Step 33: If the payment type is identified as direct payment, then generate the payment path from bank sub-account VU(U, O, B) to main entity account EA(O, B) to driver account.

[0011] The present invention also provides a payment system for online freight platform fund processing using the payment path generation method according to any one of claims 1-4, comprising: The account management module is used to manage multi-level accounts; The payment path configuration module is used to configure the basic data for path generation; The intelligent matching calculation module is used to generate a unique optimal payment path by matching payment paths according to payment type. The abnormal intervention and withdrawal module is used for risk control during the transfer process and cash withdrawal management for cargo owners; The bank-enterprise direct connection execution module is used to execute the unique optimal payment path.

[0012] Furthermore, the account management module's steps for managing multi-level accounts specifically include: Step A1: Create a unique virtual account VU(U,O) for the cargo owner and its bank sub-account VU(U,O,B); Step A2: Create a virtual account VS(S,O,B) between the service department and the bank, and enter the physical account ES(S,B) between the service department and the bank. Then, establish the association between the main physical account EA(O,B) → the virtual account VS(S,O,B) between the service department and the bank and the virtual account VS(S,O,B) → the physical account ES(S,B) between the service department and the bank. Step A3: Real-time synchronization of the balances and details of the bank sub-account VU(U,O,B) with the main entity account EA(O,B), the service department's virtual account VS(S,O,B) with the service department's entity account ES(S,B), and generate reconciliation reports that include sub-entity, sub-bank, and sub-account.

[0013] Furthermore, the specific steps for configuring the basic data for path generation in the payment path configuration module include: Step B1: Establish the relationship between Entity O, Bank B, and Entity Account EA(O, B); Step B2: Enter the direct bank-enterprise connection parameters between the service department and the bank's entity account ES(S,B); Step B3: Preset auxiliary rules, including priority for banks and priority for arrival time.

[0014] Furthermore, the specific steps of the intelligent matching calculation module in generating a unique optimal payment path based on the payment type include: Step C1: Receive payment request, extract core parameters, and identify scenario type based on core parameters; Step C2: If it is a direct payment type, then match the payment path from bank sub-account VU(U, O, B) → main entity account EA(O, B) → driver account; Step C3: If it is a transfer type, then force the matching of the payment path from bank sub-account VU(U, O, B) → main entity account EA(O, B) → service department virtual account VS(S, O, B) → service department physical account ES(S, B) → driver account. If there is no service department virtual account VS(S, O, B) or service department physical account ES(S, B), then an alarm will be triggered. Step C4: Select the matched payment path as the unique optimal payment path and output it.

[0015] Furthermore, the specific steps for risk control and cargo owner withdrawal management in the transfer process of the abnormal intervention and withdrawal module include: Step D1: Before generating the unique optimal payment path, verify the balance of the cargo owner U's bank sub-account VU(U, O, B), the status of the service department's virtual account VS(S, O, B) with the bank, and the status of the service department's physical account ES(S, B) with the bank. Step D2: During the transfer process, monitor the virtual account VS(S,O,B) of the service department and the physical account ES(S,B) of the service department and the bank. If the virtual account VS(S,O,B) or the physical account ES(S,B) of the service department and the bank is abnormal, switch to another virtual account VS(S,O,B) or physical account ES(S,B) of the service department and the bank. Step D3: When cargo owner U withdraws cash, it is only allowed to initiate the withdrawal from its bank sub-account VU(U, O, B) with sufficient balance. The corresponding withdrawal amount will be deducted from the balance of bank sub-account VU(U, O, B), and then the main entity account EA(O, B) will be triggered to transfer the funds to cargo owner U's bank card.

[0016] Furthermore, the specific steps for the bank-enterprise direct connection execution module to execute the unique optimal payment path include: Step E1: Receive the optimal payment path instruction generated based on the unique optimal payment path, and synchronously update the corresponding bank sub-account VU(U, O, B) balance deduction and the service department's bank virtual account VS(S, O, B) balance increase. Step E2: Transfer the requested amount from the balance of the main entity account EA(O,B) to the service department's bank entity account ES(S,B) according to the bank-enterprise parameters. After receiving the bank's confirmation of successful transfer, transfer the requested amount from the balance of the service department's bank entity account ES(S,B) to the driver's account. Simultaneously, synchronize the execution status of the bank sub-account VU(U,O,B), the main entity account EA(O,B), the service department's bank virtual account VS(S,O,B), and the service department's bank entity account ES(S,B) to "successful". Step E3: Upon receiving the bank receipt indicating a failed transfer, the balance of the bank sub-account VU(U, O, B) is rolled back.

[0017] Compared with existing technologies, the advantages of this invention are: 1. This invention constructs a virtual account VS(S,O,B) between the service department and the bank, and a physical account ES(S,B) between the service department and the bank. It manages the connection with the bank by transferring funds from the main physical account EA(O,B) to the physical account ES(S,B) between the service department and the bank, thereby avoiding delays in cross-bank transfers. It also matches the corresponding payment path according to the type of direct payment or transfer payment scenario to adapt to differentiated needs. Furthermore, in the transfer payment scenario, it forces the matching of the virtual account VS(S,O,B) between the service department and the bank, as well as the physical account ES(S,B) between the service department and the bank, thereby improving the matching rate of transaction records and documents.

[0018] 2. This invention enables cargo owners to accurately withdraw cash by splitting the cargo owner's virtual account VU(U,O) into bank balance sub-accounts VU(U,O,B). Attached Figure Description

[0019] Figure 1 This is a flowchart illustrating a payment path generation method for fund processing on an online freight platform proposed in this invention.

[0020] Figure 2 This is a system block diagram of the payment system for fund processing on the online freight platform proposed in this invention.

[0021] Figure 3 This is a multi-entity fund flow diagram in an embodiment of the present invention. Detailed Implementation

[0022] The invention will now be further explained with reference to the accompanying drawings.

[0023] like Figure 1 As shown, the present invention provides a payment path generation method for fund processing on an online freight platform, comprising: Step 1: Create multi-level accounts.

[0024] Step 2: Design the core rules for linking multi-level accounts.

[0025] Step 3: Determine the payment type based on the payment request initiated by the user, and then generate the payment path by combining the payment type with the multi-level accounts and their associated core rules.

[0026] In step 1, a unique virtual account VU(U, O) is created for each cargo owner U. Under this account, sub-accounts VU(U, O, B) are created based on the main cooperating bank. Each sub-account VU(U, O, B) synchronizes its balance with the corresponding unique virtual account VU(U, O) in real time, achieving dual management of the total balance and the balances of each bank. Withdrawals can only be deducted from the balance of the corresponding sub-account VU(U, O, B). Then, a separate entity account EA(O, B) is opened for each platform entity O according to the cooperating bank, serving as the collection point for cargo owner funds. The system first establishes a local account, then synchronizes the cargo owner's fund balance of each bank sub-account VU(U, O, B) with the corresponding main entity account EA(O, B) in real time to record all fund details of cargo owner U under that bank, achieving fund isolation and aggregation for one account per bank. Next, the platform service department S opens service department entity accounts ES(S, B) with the cooperating banks. Finally, a unique service department virtual account VS(S, O, B) is created for each service department S, and the fund inflow, outflow details and balance of the entity accounts are synchronized in real time, realizing the platform's visualized management of service department funds and accurate association of business documents.

[0027] In step 2, each bank sub-account VU(U, O, B) is uniquely associated with the corresponding principal entity account EA(O, B). Then, the principal entity account EA(O, B) is uniquely associated with the corresponding service department and bank virtual account VS(S, O, B). Finally, the service department and bank virtual account VS(S, O, B) is uniquely associated with the corresponding service department and bank entity account ES(S, B). This establishes the core rules for the association of multi-level accounts, ensuring that the details of virtual accounts and entity accounts are consistent in real time.

[0028] In step 3, the payment request initiated by the user is obtained, and the payment category is identified according to the scenario type parameter in the payment request. If the payment category is identified as a transfer, a payment path is generated from bank sub-account VU(U, O, B) → main entity account EA(O, B) → service department and bank virtual account VS(S, O, B) → service department and bank entity account ES(S, B) → driver account. If the payment category is identified as a direct payment, a payment path is generated from bank sub-account VU(U, O, B) → main entity account EA(O, B) → driver account.

[0029] like Figure 2 As shown, the present invention also provides a payment system for online freight platform fund processing using the aforementioned payment path generation method, comprising: The account management module is used to manage multi-level accounts.

[0030] The payment path configuration module is used to configure the basic data for path generation.

[0031] The intelligent matching calculation module is used to generate a unique optimal payment path by matching payment paths based on payment type.

[0032] The abnormal intervention and withdrawal module is used for risk control during the transfer process and cash withdrawal management for cargo owners.

[0033] The bank-enterprise direct connection execution module is used to execute the unique optimal payment path.

[0034] In the account management module, the management of multi-level accounts involves the following steps: First, a unique virtual account for the cargo owner, VU(U,O), and its bank sub-account VU(U,O,B) are created. Then, a virtual account for the service department and the bank, VS(S,O,B), is created, and the physical account for the service department and the bank, ES(S,B), is entered. Next, the relationships between the main physical account EA(O,B) → the virtual account for the service department and the bank, VS(S,O,B), and the virtual account for the service department and the bank, VS(S,O,B) → the physical account for the service department and the bank, ES(S,B), are established. Finally, the balances and details of the bank sub-account VU(U,O,B) and the main physical account EA(O,B), and the virtual account for the service department and the bank, VS(S,O,B), and the physical account for the service department and the bank, ES(S,B), are synchronized in real time. This generates reconciliation reports that include sub-entities, sub-banks, and sub-accounts, building a complete logical-physical account relationship foundation and ensuring the traceability of fund details.

[0035] In the payment path configuration module, the basic data for path generation is configured. The specific steps are as follows: first, establish the association between entity O, bank B, and entity account EA(O, B); then, enter the direct bank-enterprise connection parameters between the service department and the bank entity account ES(S, B); and then preset auxiliary rules, including priority of same bank and priority of arrival time, to provide account and bank parameter support for payment path generation.

[0036] In the intelligent matching calculation module, a unique optimal payment path is generated by matching payment paths based on payment type. The specific steps are as follows: First, a payment request is received, core parameters are extracted, and the scenario type is identified based on the core parameters. If it is a direct payment type, the payment path is matched as follows: bank sub-account VU(U, O, B) → main entity account EA(O, B) → driver account. If it is a transfer payment type, the payment path is forcibly matched as follows: bank sub-account VU(U, O, B) → main entity account EA(O, B) → service department's bank virtual account VS(S, O, B) → service department's bank entity account ES(S, B) → driver account. If there is no service department's bank virtual account VS(S, O, B) or service department's bank entity account ES(S, B), an alarm is triggered. Then, the completed matching payment path is taken as the unique optimal payment path and output, realizing scenario-based and bank-forced matching path calculation.

[0037] In the anomaly intervention and withdrawal module, the risk control of the transfer process and the management of the cargo owner's withdrawal are implemented. Specifically, before generating a unique optimal payment path, the balance of the cargo owner U's bank sub-account VU(U, O, B), the status of the service department's virtual account VS(S, O, B), and the service department's physical account ES(S, B) are verified. During the transfer process, the status of the service department's virtual account VS(S, O, B) and the service department's physical account ES(S, B) is monitored. If the service department's virtual account VS(S, O, B) is not verified, the system will check the balance of the cargo owner U's bank sub-account VU(U, O, B), the status of the service department's virtual account VS(S, O, B), and the status of the service department's physical account ES(S, B). If an anomaly occurs in (S, O, B) or the service department's bank entity account ES(S, B), then switch to another service department's bank virtual account VS(S, O, B) or service department's bank entity account ES(S, B). When the cargo owner U withdraws funds, it is only allowed to initiate the transaction from its bank sub-account VU(U, O, B) with sufficient balance. The corresponding amount to be initiated will be deducted from the balance of the bank sub-account VU(U, O, B), and then the main entity account EA(O, B) will be triggered to transfer funds to the cargo owner U's bank card to ensure payment and withdrawal security.

[0038] In the bank-enterprise direct connection execution module, the unique optimal payment path is executed. The specific steps are as follows: First, the optimal payment path instruction generated based on the unique optimal payment path is received. The corresponding bank sub-account VU(U, O, B) balance is deducted and the service department's bank-connected virtual account VS(S, O, B) balance is increased. Then, according to the bank-enterprise parameters, the corresponding requested amount is transferred from the main entity account EA(O, B) balance to the service department's bank-connected entity account ES(S, B). When a bank receipt confirming the successful transfer is received, the corresponding requested amount is transferred from the service department's bank-connected entity account ES(S, B) balance to the driver's account. The execution status of the bank sub-account VU(U, O, B), the main entity account EA(O, B), the service department's bank-connected virtual account VS(S, O, B), and the service department's bank-connected entity account ES(S, B) is synchronized to be successful. When a bank receipt confirming the failed transfer is received, the bank sub-account VU(U, O, B) balance is rolled back, realizing a closed-loop execution of logical accounting, physical transfer, and status synchronization.

[0039] like Figure 3 As shown, the following embodiments are provided based on the above technical solution. First, configure the account management module, setting the main entity as O1, creating the Bank of China main entity account EA(O1,B1), creating the China Merchants Bank main entity account EA(O1,B2), setting the cargo owner as U1, creating the unique cargo owner virtual account VU(U1,O1) corresponding to cargo owner U1, and setting the corresponding Bank of China sub-account VU(U1,O1,B1) and China Merchants Bank sub-account VU(U1,O1,B2), setting the service department as S1, creating the Bank of China service department same bank virtual account VS(S1,O1,B1) and China Merchants Bank service department same bank virtual account VS(S1,O1,B2), and entering the service department S1's own Bank of China service department same bank entity account ES(S1,B1) and China Merchants Bank service department same bank entity account ES(S1,B2).

[0040] Example 1 In the transfer payment scenario, the cargo owner U1 initiates a payment request through the front end, which includes the amount and waybill number. After receiving the request, the service department encrypts the data and transmits it to the back end, and then pushes it to the intelligent matching module. The intelligent matching module then outputs the optimal payment path instruction to the bank-enterprise direct connection execution module.

[0041] The bank-enterprise direct connection module first executes logical accounting—deducting the requested amount from the balance of the Bank of China sub-account VU(U1,O1,B1), and simultaneously adding the requested amount to the balance of the Bank of China service department's virtual account VS(S1,O1,B1). A virtual account operation log is generated, and the first physical transfer is performed, transferring the requested amount from the Bank of China main entity account EA(O1,B1) to the Bank of China service department's virtual account ES(S1,B1). Then, a receipt verification and secondary synchronization are performed, and a successful transfer receipt is received. After confirming that the funds have arrived in the Bank of China service department's virtual account ES(S1,B1), the requested amount is deducted from the balance of the Bank of China service department's virtual account VS(S1,O1,B1). Then, the second physical transfer is performed, transferring the requested amount from the Bank of China service department's virtual account ES(S1,B1) to the driver's account, and a successful payment receipt is received.

[0042] If any abnormal situation occurs during this process, such as the freezing of the service department's bank account, the abnormal intervention module will push an alarm to the administrator regarding the freezing of the Bank of China service department's bank account ES(S1,B1) for service department S1 and whether to switch to another service department's account. After the administrator confirms, the virtual account VS(S2,O1,B1) for the Bank of China service department of service department S2 will be matched. Then, the intelligent matching module will update the path to VU(U1,O1,B1)→EA(O1,B1)→VS(S2,O1,B1)→ES(S2,B1)→driver account. The virtual account synchronization and physical transfer process will then be executed according to the updated path, where ES(S2,B1) is the Bank of China service department's bank account for service department S2.

[0043] Example 2 In the direct payment scenario, the shipper U1 initiates a payment request through the front end, which is then pushed to the intelligent matching module. The intelligent matching module queries the shipper U1's sub-account and finds that the balance of the China Merchants Bank sub-account VU(U1,O1,B2) is greater than the requested amount. It then matches the main entity account EA(O1,B2) of the main entity O1 at China Merchants Bank, generating the following path: China Merchants Bank sub-account VU(U1,O1,B2) → China Merchants Bank main entity account EA(O1,B2) → driver. Subsequently, the bank-enterprise direct connection module deducts the requested amount from the balance of the China Merchants Bank sub-account VU(U1,O1,B2) and directly transfers the funds from the main entity account EA(O1,B2) to the driver's account. The synchronization status is then successful.

[0044] Example 3 When cargo owner U1 makes a withdrawal, a withdrawal request is initiated. The Bank of China is selected, and the cargo owner's Bank of China card number is entered. The system first checks whether the balance of the corresponding Bank of China sub-account VU(U1,O1,B1) is greater than the withdrawal request amount through the regular intervention and withdrawal module. If it is less, a warning of insufficient account balance is sent to cargo owner U1, and the specific balance is fed back. Cargo owner U1 adjusts the withdrawal request amount to the balance of the corresponding Bank of China sub-account VU(U1,O1,B1). At this time, the balance of the corresponding Bank of China sub-account VU(U1,O1,B1) is reduced to 0. An instruction is sent to the bank-enterprise direct connection module. The bank-enterprise direct connection module transfers all the balance from the Bank of China main entity account EA(O1,B1) to the account corresponding to cargo owner U1's Bank of China card number. Otherwise, the bank-enterprise direct connection module directly transfers the balance from the Bank of China main entity account EA(O1,B1) to the account corresponding to cargo owner U1's Bank of China card number.

[0045] As is known from common technical knowledge, this invention can be implemented through other embodiments that do not depart from its spirit or essential characteristics. Therefore, the disclosed embodiments described above are merely illustrative and not exhaustive. All modifications within the scope of this invention or its equivalents are included in this invention.

Claims

1. A method for generating payment paths for fund processing on an online freight platform, characterized in that, include: Step 1: Establish multi-level accounts; Step 2: Design the core rules for linking the multi-level accounts in Step 1; Step 3: Determine the payment type based on the payment request initiated by the user, and then generate the payment path by combining the payment type with the multi-level accounts and their associated core rules.

2. The payment path generation method for fund processing on a network freight platform according to claim 1, characterized in that, The specific steps of step 1 include: Step 11: Create a unique virtual account VU(U, O) for each cargo owner U, and under this account, split bank sub-accounts VU(U, O, B) according to the main cooperating bank; Step 12: Each platform entity O opens an independent entity account EA(O, B) with a partner bank as the collection and final destination account for cargo owners' funds. Then, the cargo owner's fund balance in the corresponding entity account EA(O, B) is synchronized with each bank sub-account VU(U, O, B) in real time. Step 13: Platform service department S opens service department entity accounts ES(S,B) with the cooperating banks respectively; Step 14: Create a unique virtual account VS(S,O,B) for each service department S, and synchronize the fund inflow, outflow details and balance of the service department with the bank entity account ES(S,B) in real time.

3. The payment path generation method for fund processing on a network freight platform according to claim 2, characterized in that, Step 2 specifically includes the following steps: Step 21: Uniquely associate each bank sub-account VU(U, O, B) with the corresponding principal entity account EA(O, B); Step 22: Uniquely associate the main entity account EA(O,B) with the corresponding service department and bank virtual account VS(S,O,B); Step 23: Uniquely associate the service department with the bank virtual account VS(S,O,B) and the corresponding service department with the bank physical account ES(S,B).

4. The payment path generation method for fund processing on a network freight platform according to claim 3, characterized in that, Step 3 specifically includes the following steps: Step 31: Obtain the payment request initiated by the user and identify the payment category based on the scenario type parameter in the payment request; Step 32: If the payment type is identified as transfer, then generate the payment path as follows: bank sub-account VU(U, O, B) → main entity account EA(O, B) → service department and bank virtual account VS(S, O, B) → service department and bank entity account ES(S, B) → driver account. Step 33: If the payment type is identified as direct payment, then generate the payment path from bank sub-account VU(U, O, B) to main entity account EA(O, B) to driver account.

5. A payment system for processing funds on a network freight platform using the payment path generation method according to any one of claims 1-4, characterized in that, include: The account management module is used to manage multi-level accounts; The payment path configuration module is used to configure the basic data for path generation; The intelligent matching calculation module is used to generate a unique optimal payment path by matching payment paths according to payment type. The abnormal intervention and withdrawal module is used for risk control during the transfer process and cash withdrawal management for cargo owners; The bank-enterprise direct connection execution module is used to execute the unique optimal payment path.

6. The payment system for processing funds on a network freight platform according to claim 5, characterized in that: The account management module manages multi-level accounts through the following steps: Step A1: Create a unique virtual account VU(U,O) for the cargo owner and its bank sub-account VU(U,O,B); Step A2: Create a virtual account VS(S,O,B) between the service department and the bank, and enter the physical account ES(S,B) between the service department and the bank. Then, establish the association between the main physical account EA(O,B) → the virtual account VS(S,O,B) between the service department and the bank and the virtual account VS(S,O,B) → the physical account ES(S,B) between the service department and the bank. Step A3: Real-time synchronization of the balances and details of the bank sub-account VU(U,O,B) with the main entity account EA(O,B), the service department's virtual account VS(S,O,B) with the service department's entity account ES(S,B), and generate reconciliation reports that include sub-entity, sub-bank, and sub-account.

7. The payment system for processing funds on a network freight platform according to claim 5, characterized in that: The specific steps for generating the basic data for configuring the payment path configuration module include: Step B1: Establish the relationship between Entity O, Bank B, and Entity Account EA(O, B); Step B2: Enter the direct bank-enterprise connection parameters between the service department and the bank's entity account ES(S,B); Step B3: Preset auxiliary rules, including priority for banks and priority for arrival time.

8. The payment system for processing funds on a network freight platform according to claim 5, characterized in that: The intelligent matching calculation module generates a unique optimal payment path by matching payment paths based on payment type. Specific steps include: Step C1: Receive payment request, extract core parameters, and identify scenario type based on core parameters; Step C2: If it is a direct payment type, then match the payment path from bank sub-account VU(U, O, B) → main entity account EA(O, B) → driver account; Step C3: If it is a transfer type, then force the matching of the payment path from bank sub-account VU(U, O, B) → main entity account EA(O, B) → service department virtual account VS(S, O, B) → service department physical account ES(S, B) → driver account. If there is no service department virtual account VS(S, O, B) or service department physical account ES(S, B), then an alarm will be triggered. Step C4: Select the matched payment path as the unique optimal payment path and output it.

9. The payment system for processing funds on a network freight platform according to claim 5, characterized in that: The specific steps for risk control and cargo owner withdrawal management in the abnormal intervention and withdrawal module include: Step D1: Before generating the unique optimal payment path, verify the balance of the cargo owner U's bank sub-account VU(U, O, B), the status of the service department's virtual account VS(S, O, B) with the bank, and the status of the service department's physical account ES(S, B) with the bank. Step D2: During the transfer process, monitor the virtual account VS(S,O,B) of the service department and the physical account ES(S,B) of the service department and the bank. If the virtual account VS(S,O,B) or the physical account ES(S,B) of the service department and the bank is abnormal, switch to another virtual account VS(S,O,B) or physical account ES(S,B) of the service department and the bank. Step D3: When cargo owner U withdraws cash, it is only allowed to initiate the withdrawal from its bank sub-account VU(U, O, B) with sufficient balance. The corresponding withdrawal amount will be deducted from the balance of bank sub-account VU(U, O, B), and then the main entity account EA(O, B) will be triggered to transfer the funds to cargo owner U's bank card.

10. The payment system for processing funds on a network freight platform according to claim 5, characterized in that: The specific steps for the bank-enterprise direct connection execution module to execute the unique optimal payment path include: Step E1: Receive the optimal payment path instruction generated based on the unique optimal payment path, and synchronously update the corresponding bank sub-account VU(U, O, B) balance deduction and the service department's bank virtual account VS(S, O, B) balance increase. Step E2: Transfer the requested amount from the balance of the main entity account EA(O,B) to the service department's bank entity account ES(S,B) according to the bank-enterprise parameters. After receiving the bank's confirmation of successful transfer, transfer the requested amount from the balance of the service department's bank entity account ES(S,B) to the driver's account. Simultaneously, synchronize the execution status of the bank sub-account VU(U,O,B), the main entity account EA(O,B), the service department's bank virtual account VS(S,O,B), and the service department's bank entity account ES(S,B) to "successful". Step E3: Upon receiving the bank receipt indicating a failed transfer, the balance of the bank sub-account VU(U, O, B) is rolled back.

Images