A method, system and program product for aggregating payment settlements
By receiving transaction requests from users, calculating the comprehensive evaluation index of payment channels, and selecting the best channel for payment and settlement, the problems of high payment costs, unstable success rates, and low settlement efficiency in existing technologies are solved, and efficient unified integration and secure operation of payment channels are achieved.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- HEBEI CHENGXIAN TECHNOLOGY CO LTD
- Filing Date
- 2026-03-17
- Publication Date
- 2026-06-19
AI Technical Summary
Existing aggregated payment solutions lack dynamic routing evaluation and selection, efficient clearing and settlement, and in-depth data empowerment, resulting in high payment costs, unstable success rates, low fund settlement efficiency, and insufficient digital operation support.
By receiving transaction requests from users, retrieving payment element sets from each payment channel, calculating a comprehensive evaluation index, selecting the best channel for payment, and performing transaction verification and settlement reconciliation, the unified integration and intelligent scheduling of payment channels are achieved.
Increase transaction completion rate, reduce channel costs, improve capital turnover efficiency, ensure transaction security, and support digital operations.
Smart Images
Figure CN122243502A_ABST
Abstract
Description
Technical Field
[0001] This invention belongs to the field of payment management technology, specifically relating to an aggregated payment settlement method, system, and program product. Background Technology
[0002] With the development of mobile payment, aggregated payment has emerged. Aggregated payment is a payment service that integrates mainstream payment methods in the market. By integrating multiple payment channels such as banks and third-party payment institutions, it can provide merchants with a "one-stop access, comprehensive settlement" service. However, existing aggregated payment solutions often only achieve simple interface encapsulation and channel integration, lacking capabilities such as dynamic routing evaluation and selection, efficient clearing and settlement, and deep data empowerment. This leads to problems such as high payment costs, unstable success rates, low fund settlement efficiency, and insufficient digital operation support. Therefore, there is an urgent need for a more intelligent, efficient, and secure aggregated payment settlement method. Summary of the Invention
[0003] The purpose of this invention is to provide an aggregated payment settlement method, system, and program product to solve the aforementioned problems existing in the prior art.
[0004] To achieve the above objectives, the present invention adopts the following technical solution: Firstly, an aggregated payment settlement method is provided, including: Receive a transaction request initiated by a user, the transaction request including user information, transaction information and payment tool type, the transaction information including transaction amount, revenue sharing rules and business type; Retrieve the payment element set of each payment channel at the current moment, and determine the weight allocation result of the payment element set according to the business type; The comprehensive evaluation index of each payment channel is calculated using the payment element set and the weight allocation result of each payment element set, and the payment channel with the highest comprehensive evaluation index is selected as the target payment channel. User information is anonymized to obtain anonymized user information, and transaction verification information is generated based on the transaction amount, payment tool type, and anonymized user information; Send transaction verification information to the user's device and receive payment vouchers from the user's device; Based on payment vouchers, transaction amounts, and revenue sharing rules, the payment channel access unit is invoked to access the target payment channel to initiate payment, and the payment result of the target payment channel is obtained and summarized into the platform's transaction log. Obtain the reconciliation statements for each payment channel within the set settlement period, and retrieve the platform transaction records within the set settlement period. Use the platform transaction records and the reconciliation statements for each payment channel within the set settlement period to perform settlement reconciliation.
[0005] In one possible design, the payment element set includes channel fee rate, historical success rate, average settlement time, current channel load rate, and recent failure count. The determination of the weight allocation result of the payment element set based on business type includes: The business type is substituted into the preset business weight strategy table for matching to obtain the weight allocation result of the payment element set. The weight allocation result includes cost weight coefficient, time weight coefficient, success rate weight coefficient and stability weight coefficient. The business weight strategy table contains several business types and the corresponding weight allocation result of each business type.
[0006] In one possible design, the calculation of the comprehensive evaluation index for each payment channel using the payment element sets of each payment channel and the weight allocation results of the payment element sets includes: The payment element sets and weight allocation results of each payment channel are substituted into a preset comprehensive evaluation index formula for calculation, resulting in the comprehensive evaluation index for each payment channel. The comprehensive evaluation index formula is as follows:
[0007] Where i represents the payment channel number, P i The comprehensive evaluation index, c, represents payment channel i. i The channel fee rate representing payment channel i, t i f represents the average settlement time of payment channel i. i s represents the current channel load rate of payment channel i. i r represents the historical success rate of payment channel i. i ω represents the number of recent failures of payment channel i. c Characterizing the cost weighting coefficient, ω t Characterizing the time weighting coefficient, ω s The success rate weighting coefficient, ω r The stability weighting coefficient is defined by k, which is a set time decay coefficient, and δ, which is a set smoothing constant.
[0008] In one possible design, the user information includes the user's name, mobile phone number, and payment account token. The process of de-identifying the user information to obtain the de-identified user information includes: Import the payment account token into the encrypted account database for matching to determine the corresponding encrypted payment account; Replace the specified characters in the user's name and mobile phone number with mask characters to obtain the de-identified user's name and mobile phone number; The anonymized user information is composed of encrypted payment accounts, as well as anonymized user names and mobile phone numbers.
[0009] In one possible design, the payment credential contains an encrypted payment password that has been electronically signed.
[0010] In one possible design, the payment result includes the actual amount paid by each party, and the revenue sharing rules include the amount payable by each party and account information.
[0011] In one possible design, the method further includes: The transaction statistics for this transaction are generated using the business type, transaction amount, and target payment channel, and then aggregated into the platform's transaction statistics database. Periodically retrieve all transaction statistics from the platform's transaction statistics database to generate visual reports of transaction statistics, and then send these reports to the user's device.
[0012] Secondly, an aggregated payment and settlement system is provided, comprising a request receiving unit, an element retrieval unit, a channel selection unit, an information anonymization unit, a transaction verification unit, a transaction execution unit, and a settlement reconciliation unit, wherein: The request receiving unit is used to receive transaction requests initiated by the user terminal. The transaction request includes user information, transaction information, and payment tool type. The transaction information includes transaction amount, revenue sharing rules, and business type. The element retrieval unit is used to retrieve the payment element set of each payment channel at the current time and determine the weight allocation result of the payment element set according to the business type. The channel selection unit is used to calculate the comprehensive evaluation index of each payment channel using the payment element set of each payment channel and the weight allocation result of the payment element set, and select the payment channel with the highest comprehensive evaluation index as the target payment channel. The information desensitization unit is used to desensitize user information, obtain desensitized user information, and generate transaction verification information based on the transaction amount, payment tool type, and desensitized user information. The transaction verification unit is used to send transaction verification information to the user terminal and receive payment vouchers from the user terminal. The transaction execution unit is used to call the payment channel access unit to access the target payment channel to initiate payment based on payment vouchers, transaction amounts, and accounting rules, and to obtain the payment results of the target payment channel and summarize the payment results of the target payment channel into the platform's transaction log record. The settlement and reconciliation unit is used to obtain the reconciliation statements of each payment channel within a set settlement period, retrieve the platform transaction flow records within the set settlement period, and perform settlement and reconciliation using the platform transaction flow records within the set settlement period and the reconciliation statements of each payment channel.
[0013] Thirdly, an aggregated payment and settlement system is provided, including: Memory, used to store instructions; The processor is configured to read instructions stored in the memory and execute any one of the aggregated payment settlement methods described in the first aspect above, according to the instructions.
[0014] Fourthly, a computer-readable storage medium is provided, on which instructions are stored, which, when executed on a computer, cause the computer to perform any of the aggregated payment settlement methods described in the first aspect. Simultaneously, a computer program product is also provided, which, when executed on a computer, performs any of the aggregated payment settlement methods described in the first aspect.
[0015] Beneficial Effects: This invention receives transaction requests from users and uniformly retrieves payment element sets from various payment channels for weight allocation and comprehensive evaluation index calculation. This allows for the selection of the optimal target channel from among the payment channels. Transaction verification is then performed based on the transaction request. Payment is initiated using the target payment channel according to the verification results and the transaction request. Subsequently, transaction records are generated using the payment results, and periodic settlement and reconciliation are conducted using these records. This achieves unified integration, intelligent scheduling, and periodic clearing and settlement of payment channels, ensuring the end-to-end security and efficient operation of the platform's aggregated payment system. Dynamic selection of the optimal channel effectively improves transaction completion rates, reduces channel costs, and enhances user capital turnover efficiency. Simultaneously, it effectively protects user transaction security, and the deep integration of payment data facilitates digital operations. Attached Figure Description
[0016] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.
[0017] Figure 1 This is a flowchart illustrating the method in Embodiment 1 of the present invention; Figure 2 This is a schematic diagram of the system configuration in Embodiment 2 of the present invention; Figure 3 This is a schematic diagram of the system configuration in Embodiment 3 of the present invention. Detailed Implementation
[0018] It should be noted that the descriptions of these embodiments are intended to aid in understanding the invention and do not constitute a limitation thereof. The specific structural and functional details disclosed herein are merely for describing exemplary embodiments of the invention. However, the invention may be embodied in many alternative forms and should not be construed as being limited to the embodiments described herein.
[0019] It should be understood that, unless otherwise explicitly specified and limited, the corresponding terms should be interpreted broadly. For example, "connection" can be a fixed connection, a detachable connection, or an integral connection; it can be a direct connection or an indirect connection through an intermediate medium; it can be a connection within two components. Those skilled in the art can understand the specific meaning of the above terms in the embodiments according to the specific circumstances.
[0020] Specific details are provided in the following description to provide a complete understanding of the exemplary embodiments. However, those skilled in the art will understand that the exemplary embodiments can be implemented without these specific details. For example, the system may be shown in block diagrams to avoid obscuring the example with unnecessary details. In other embodiments, well-known processes, structures, and techniques may be shown without non-essential details to avoid obscuring the embodiments.
[0021] Example 1: This embodiment provides an aggregated payment settlement method, which can be applied to corresponding payment platforms, such as... Figure 1 As shown, the method includes the following steps: S1. Receive a transaction request initiated by the user terminal. The transaction request includes user information, transaction information, and payment tool type. The transaction information includes transaction amount, revenue sharing rules, and business type.
[0022] In practice, when a user needs to use the platform's aggregated payment function, the platform first receives a transaction request initiated by the user. This transaction request includes user information, transaction information, and payment tool type. The transaction information may include the transaction amount, revenue sharing rules (the amount payable and account information for each party), and the business type (such as ordinary retail, large transactions, instant transfers, cross-border payments, etc.). The payment tool type may include QR codes, bank cards, third-party apps, etc. The user information may include the user's name, mobile phone number, and payment account token. The payment account token is a unique platform token that replaces the payment account with a tokenized version of the user's name. By using the payment account token, the risk of data leakage is reduced from the source.
[0023] S2. Retrieve the payment element set of each payment channel at the current time, and determine the weight allocation result of the payment element set according to the business type.
[0024] In practice, upon receiving a transaction request initiated by a user, the platform immediately retrieves the payment element set of each payment channel at the current moment. The payment element set includes the channel fee rate (the cost rate required to make a payment through the payment channel, generally a certain percentage of the transaction amount, the lower the better), historical success rate (the historical success rate of completing a payment through the payment channel, the higher the better), average settlement time (the average time to complete the payment settlement through the payment channel, in hours, the shorter the better), current channel load rate (the current busyness of the payment channel, between 0 and 1, the lower the better), and recent failure count (the number of times a payment failure has occurred through the channel in the recent period, the fewer the better).
[0025] Then, the business type is substituted into a pre-set business weight strategy table for matching, resulting in the weight allocation result of the payment element set. The weight allocation result includes cost weight coefficient, time weight coefficient, success rate weight coefficient, and stability weight coefficient. The business weight strategy table contains several business types and their corresponding weight allocation results. For example, the business weight strategy table can be shown in the following table:
[0026] If the business type is cross-border payment, the weight allocation results obtained after looking up the table are: cost weight coefficient 0.3, time weight coefficient 0.1, success rate weight coefficient 0.4, and stability weight coefficient 0.2. The business weight strategy table can be configured and optimized according to actual needs.
[0027] S3. Calculate the comprehensive evaluation index of each payment channel using the payment element set and the weight allocation result of each payment element set, and select the payment channel with the highest comprehensive evaluation index as the target payment channel.
[0028] In practice, the platform substitutes the payment element sets and weight allocation results of each payment channel into a preset comprehensive evaluation index formula to calculate the comprehensive evaluation index for each payment channel. The comprehensive evaluation index formula is as follows:
[0029] Where i represents the payment channel number, P i The comprehensive evaluation index, c, represents payment channel i. i The channel fee rate representing payment channel i, t i f represents the average settlement time of payment channel i. i s represents the current channel load rate of payment channel i. i r represents the historical success rate of payment channel i. i ω represents the number of recent failures of payment channel i. c Characterizing the cost weighting coefficient, ωt Characterizing the time weighting coefficient, ω s The success rate weighting coefficient, ω r The stability weighting coefficient is represented by k, which is the set time decay coefficient (e.g., set to 0.5), and δ is the set smoothing constant (to avoid division by zero, e.g., set to 0.01).
[0030] S4. De-identify the user information to obtain the de-identified user information, and generate transaction verification information based on the transaction amount, payment tool type, and de-identified user information.
[0031] In practice, the platform imports the payment account token into the encrypted account database for matching to determine the corresponding encrypted payment account. It then replaces the specified characters in the user's name and phone number with mask characters to obtain the anonymized user name and phone number. Finally, it uses the encrypted payment account and the anonymized user name and phone number to assemble the anonymized user information. By anonymizing and encrypting user information, data tampering and replay attacks can be prevented. The platform can then generate transaction verification information based on the transaction amount, payment tool type, and the anonymized user information.
[0032] S5. Send the transaction verification information to the user terminal and receive the payment voucher from the user terminal.
[0033] In practice, the platform sends transaction verification information to the user's terminal, allowing the user to view the verification information using their chosen payment tool. After confirmation, the user receives a payment voucher, which includes an encrypted payment password with an electronic signature. The platform verifies and determines the user's identity through the electronic signature and acknowledges the authenticity and security of the voucher's content. By decrypting the encrypted payment password, the corresponding payment password can be obtained.
[0034] S6. Based on the payment voucher, transaction amount, and accounting rules, call the payment channel access unit to access the target payment channel to initiate payment, obtain the payment result of the target payment channel, and summarize the payment result of the target payment channel into the platform transaction record.
[0035] In practice, the platform can access the target payment channel via the payment channel access unit and initiate payments to each recipient through the target payment channel based on the payment voucher (used to verify the user's identity and determine the payment password to deduct the transaction amount from the account corresponding to the payment account token or encrypted payment account), the transaction amount, and the revenue sharing rules (the amount payable and account information for each recipient). The platform's payment channel access unit can uniformly convert the heterogeneous interfaces, communication protocols (such as HTTP / HTTPS, SDK, API), and data formats (such as JSON, XML) of different payment channels into an internal standard protocol. After initiating payments through the target payment channel, the platform obtains the subsequent payment results (the actual amount paid by each recipient) from the target payment channel and then summarizes the payment results of the target payment channel into the platform's transaction log.
[0036] Furthermore, the platform can generate transaction statistics for this transaction based on the business type, transaction amount, and target payment channel, and then aggregate these statistics into the platform's transaction statistics database. It then periodically retrieves all transaction statistics from the database to generate visualized transaction statistics reports (including transaction trends, channel analysis, etc.), and sends these reports to the user's device. This deep integration of payment data across the entire platform helps users gain insights into their business and achieve digital operations.
[0037] S7. Obtain the reconciliation statements for each payment channel within the set settlement period, and retrieve the platform transaction records within the set settlement period. Use the platform transaction records within the set settlement period and the reconciliation statements for each payment channel to perform settlement reconciliation.
[0038] In practice, the platform can pre-set a settlement and reconciliation period to obtain reconciliation statements for each payment channel within that period, and retrieve the platform's transaction history records for that period. Then, the platform can use these transaction history records and the reconciliation statements for each payment channel to perform settlement and reconciliation.
[0039] This method receives transaction requests from users and uniformly retrieves payment element sets from various payment channels for weight allocation and comprehensive evaluation index calculation to select the optimal target channel. Then, based on the transaction request, transaction verification is performed. Payment is initiated using the target payment channel according to the verification results and the transaction request. Subsequently, transaction records are generated using the payment results, and periodic settlement and reconciliation are conducted using these records. This achieves unified integration, intelligent scheduling, and periodic clearing and settlement of payment channels, ensuring the end-to-end security and efficient operation of the platform's aggregated payment system. Dynamic selection of the optimal channel effectively improves transaction completion rates, reduces channel costs, and enhances user capital turnover efficiency. Simultaneously, it effectively protects user transaction security, and the deep integration of payment data facilitates digital operations.
[0040] Example 2: This embodiment provides an aggregated payment and settlement system, such as Figure 2 As shown, it includes a request receiving unit, an element retrieval unit, a channel selection unit, an information anonymization unit, a transaction verification unit, a transaction execution unit, and a settlement and reconciliation unit, wherein: The request receiving unit is used to receive transaction requests initiated by the user terminal. The transaction request includes user information, transaction information, and payment tool type. The transaction information includes transaction amount, revenue sharing rules, and business type. The element retrieval unit is used to retrieve the payment element set of each payment channel at the current time and determine the weight allocation result of the payment element set according to the business type. The channel selection unit is used to calculate the comprehensive evaluation index of each payment channel using the payment element set of each payment channel and the weight allocation result of the payment element set, and select the payment channel with the highest comprehensive evaluation index as the target payment channel. The information desensitization unit is used to desensitize user information, obtain desensitized user information, and generate transaction verification information based on the transaction amount, payment tool type, and desensitized user information. The transaction verification unit is used to send transaction verification information to the user terminal and receive payment vouchers from the user terminal. The transaction execution unit is used to call the payment channel access unit to access the target payment channel to initiate payment based on payment vouchers, transaction amounts, and accounting rules, and to obtain the payment results of the target payment channel and summarize the payment results of the target payment channel into the platform's transaction log record. The settlement and reconciliation unit is used to obtain the reconciliation statements of each payment channel within a set settlement period, retrieve the platform transaction flow records within the set settlement period, and perform settlement and reconciliation using the platform transaction flow records within the set settlement period and the reconciliation statements of each payment channel.
[0041] Example 3: This embodiment provides an aggregated payment and settlement system, such as Figure 3 As shown, at the hardware level, it includes: The data interface is used to establish data communication between the processor and external data terminals; Memory, used to store instructions; The processor is used to read the instructions stored in the memory and execute the aggregated payment settlement method in Embodiment 1 according to the instructions.
[0042] Optionally, the system also includes an internal bus, through which the processor, memory, and data interface can be interconnected. This internal bus can be a PCIe (Peripheral Component Interconnect Eexpress) bus, which can be divided into an address bus, a data bus, a control bus, etc. The memory can include, but is not limited to, Random Access Memory (RAM), Read Only Memory (ROM), Flash Memory, First Input First Output (FIFO), and / or First In Last Out (FILO). The processor can be a general-purpose processor, including a Central Processing Unit (CPU), a Network Processor (NP), etc.; it can also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, or discrete hardware components.
[0043] Example 4: This embodiment provides a computer-readable storage medium storing instructions. When the instructions are executed on a computer, the computer performs the aggregated payment settlement method described in Embodiment 1. The computer-readable storage medium refers to a data storage medium, which may include, but is not limited to, floppy disks, optical disks, hard disks, flash memory, USB flash drives, and / or Memory Sticks. The computer may be a general-purpose computer, a special-purpose computer, a computer network, or other programmable systems.
[0044] This embodiment also provides a computer program product that, when run on a computer, executes the aggregated payment settlement method in Embodiment 1. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable system.
[0045] Finally, it should be noted that the above description is merely a preferred embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.
Claims
1. A method for aggregated payment settlement, characterized in that, include: Receive a transaction request initiated by a user, the transaction request including user information, transaction information and payment tool type, the transaction information including transaction amount, revenue sharing rules and business type; Retrieve the payment element set of each payment channel at the current moment, and determine the weight allocation result of the payment element set according to the business type; The comprehensive evaluation index of each payment channel is calculated using the payment element set and the weight allocation result of each payment element set, and the payment channel with the highest comprehensive evaluation index is selected as the target payment channel. User information is anonymized to obtain anonymized user information, and transaction verification information is generated based on the transaction amount, payment tool type, and anonymized user information; Send transaction verification information to the user's device and receive payment vouchers from the user's device; Based on payment vouchers, transaction amounts, and revenue sharing rules, the payment channel access unit is invoked to access the target payment channel to initiate payment, and the payment result of the target payment channel is obtained and summarized into the platform's transaction log. Obtain the reconciliation statements for each payment channel within the set settlement period, and retrieve the platform transaction records within the set settlement period. Use the platform transaction records and the reconciliation statements for each payment channel within the set settlement period to perform settlement reconciliation.
2. The aggregated payment settlement method according to claim 1, characterized in that, The payment element set includes channel fee rate, historical success rate, average settlement time, current channel load rate, and recent failure count. The determination of the weight allocation result of the payment element set based on business type includes: The business type is substituted into the preset business weight strategy table for matching to obtain the weight allocation result of the payment element set. The weight allocation result includes cost weight coefficient, time weight coefficient, success rate weight coefficient and stability weight coefficient. The business weight strategy table contains several business types and the corresponding weight allocation result of each business type.
3. The aggregated payment settlement method according to claim 2, characterized in that, The calculation of the comprehensive evaluation index for each payment channel using the payment element sets of each payment channel and the weight allocation results of the payment element sets includes: The payment element sets and weight allocation results of each payment channel are substituted into a preset comprehensive evaluation index formula for calculation, resulting in the comprehensive evaluation index for each payment channel. The comprehensive evaluation index formula is as follows: Where i represents the payment channel number, P i The comprehensive evaluation index, c, represents payment channel i. i The channel fee rate representing payment channel i, t i f represents the average settlement time of payment channel i. i s represents the current channel load rate of payment channel i. i r represents the historical success rate of payment channel i. i ω represents the number of recent failures of payment channel i. c Characterizing the cost weighting coefficient, ω t Characterizing the time weighting coefficient, ω s The success rate weighting coefficient, ω r The stability weighting coefficient is defined by k, which is a set time decay coefficient, and δ, which is a set smoothing constant.
4. The aggregated payment settlement method according to claim 1, characterized in that, The user information includes the user's name, mobile phone number, and payment account token. The process of de-identifying the user information to obtain the de-identified user information includes: Import the payment account token into the encrypted account database for matching to determine the corresponding encrypted payment account; Replace the specified characters in the user's name and mobile phone number with mask characters to obtain the de-identified user's name and mobile phone number; The anonymized user information is composed of encrypted payment accounts, as well as anonymized user names and mobile phone numbers.
5. The aggregated payment settlement method according to claim 1, characterized in that, The payment voucher contains an encrypted payment password that has been electronically signed.
6. The aggregated payment settlement method according to claim 1, characterized in that, The payment results include the actual amount paid by each party, and the revenue sharing rules include the amount payable and account information of each party.
7. The aggregated payment settlement method according to claim 1, characterized in that, The method further includes: The transaction statistics for this transaction are generated using the business type, transaction amount, and target payment channel, and then aggregated into the platform's transaction statistics database. Periodically retrieve all transaction statistics from the platform's transaction statistics database to generate visual reports of transaction statistics, and then send these reports to the user's device.
8. An aggregated payment and settlement system, characterized in that, It includes a request receiving unit, an element retrieval unit, a channel selection unit, an information anonymization unit, a transaction verification unit, a transaction execution unit, and a settlement and reconciliation unit, wherein: The request receiving unit is used to receive transaction requests initiated by the user terminal. The transaction request includes user information, transaction information, and payment tool type. The transaction information includes transaction amount, revenue sharing rules, and business type. The element retrieval unit is used to retrieve the payment element set of each payment channel at the current time and determine the weight allocation result of the payment element set according to the business type. The channel selection unit is used to calculate the comprehensive evaluation index of each payment channel using the payment element set of each payment channel and the weight allocation result of the payment element set, and select the payment channel with the highest comprehensive evaluation index as the target payment channel. The information desensitization unit is used to desensitize user information, obtain desensitized user information, and generate transaction verification information based on the transaction amount, payment tool type, and desensitized user information. The transaction verification unit is used to send transaction verification information to the user terminal and receive payment vouchers from the user terminal. The transaction execution unit is used to call the payment channel access unit to access the target payment channel to initiate payment based on payment vouchers, transaction amounts, and accounting rules, and to obtain the payment results of the target payment channel and summarize the payment results of the target payment channel into the platform's transaction log record; The settlement and reconciliation unit is used to obtain the reconciliation statements of each payment channel within a set settlement period, retrieve the platform transaction flow records within the set settlement period, and perform settlement and reconciliation using the platform transaction flow records within the set settlement period and the reconciliation statements of each payment channel.
9. An aggregated payment and settlement system, characterized in that, include: Memory, used to store instructions; A processor is configured to read instructions stored in the memory and execute the aggregated payment settlement method according to any one of claims 1-7.
10. A computer program product, characterized in that, When the computer program product is run on a computer, it executes the aggregated payment settlement method according to any one of claims 1-7.