Multi-channel integrated payment financial system

CN122243485APending Publication Date: 2026-06-19BEIJING KUCHE YIMEI NETWORK TECH CO LTD
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
BEIJING KUCHE YIMEI NETWORK TECH CO LTD
Filing Date
2026-04-16
Publication Date
2026-06-19

AI Technical Summary

Technical Problem

Existing payment and financial systems lack the ability to guarantee funds in used car transactions, and cannot solve problems such as information asymmetry, low transaction efficiency, and insufficient compliance, especially in terms of fund supervision and trust building.

Method used

It adopts a layered architecture design, integrates multi-terminal applications and full-category payment channels, ensures data security through encrypted connection at the gateway layer, prevents risks through multi-dimensional verification of the risk control subsystem, and realizes full-process flow visualization of the management platform. It covers functions such as merchant self-service onboarding, multi-method payment, and automatic clearing and settlement, and is adapted to the high-risk characteristics of used car transactions.

Benefits of technology

It has achieved fully automated processing of the used car transaction process, improved transaction efficiency and trust, met compliance requirements, strengthened fund supervision and trust building, solved the problem of information asymmetry, and promoted the standardized development of the industry.

✦ Generated by Eureka AI based on patent content.

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Abstract

This invention relates to the field of payment and financial technology, and in particular to a multi-channel integrated payment and financial system. The system includes an application side, a gateway layer, an application layer, and a channel layer. The application side encompasses multi-terminal access modules, the gateway layer contains multiple collaborative modules, the application layer integrates multiple subsystems, and the channel layer integrates multiple payment channels. Each layer and module works collaboratively through data connections. The application side supports convenient access from multiple terminals. The merchant onboarding system enables merchants to self-register and authenticate their qualifications. The cashier, routing, and clearing and settlement systems are linked, and a risk control subsystem is used to construct a fund security system. The account system standardizes fund transfers and accounting, and the reconciliation system ensures transaction verification, thereby enabling merchants to self-regulate, pay using multiple payment methods, automatically settle accounts, withdraw funds, and refund functions. This invention achieves simple onboarding, flexible payment, fund security, and transparent transactions, perfectly adapting to the non-standard transaction scenario of used cars, thereby improving transaction efficiency and trust.
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