A method and system for aggregated settlement and clearing in cross-border payment scenarios

Abstract

This invention relates to the field of payment and settlement technology, and discloses a method and system for aggregated settlement and clearing processing in cross-border payment scenarios. The method involves: receiving cross-border payment and receipt transaction instructions from multiple channels and creating multiple clearing groups for standard transaction objects, while simultaneously calculating the net position of each clearing group; determining a risk control plan for each net position based on its RMB equivalent net amount; encapsulating the approved net positions in the risk control plan into standard messages, and submitting the standard messages to the CIPS front-end gateway to complete cross-border net clearing and receive a message acceptance receipt returned by the CIPS front-end gateway, thus obtaining an electronic bank statement. This invention reduces the number of net positions that need to be submitted to the CIPS front-end gateway, lowers the channel cost of cross-border clearing, and thus solves the node load imbalance problem under static configuration routing mode, improving the overall throughput stability of cross-border clearing messages during peak periods.

Description

Technical Field

[0001] This invention relates to the field of payment and settlement technology, and in particular to a method and system for aggregated settlement and clearing processing in cross-border payment scenarios. Background Technology

[0002] With the expansion of cross-border e-commerce, cross-border B2B trade, and overseas store operations, cross-border payment systems need to simultaneously process payment and receipt transaction instructions from multiple business terminals, including B2C, B2B, stores, transaction middleware, and external platforms. In existing technologies, the field formats, currency codes, and fund flow identifiers of transaction instructions from different channels vary significantly. The system lacks a unified field normalization mapping mechanism, resulting in the inability to internally identify and group accounts receivable and payable for the same merchant across different channels. Instead, each transaction must trigger a CIPS message to be submitted to the cross-border clearing system individually. The number of clearing messages increases proportionally to the number of transactions, leading to a linear increase in exchange costs and channel fees.

[0003] In the clearing and settlement process, existing cross-border payment systems lack the ability to perform multi-dimensional clearing and grouping based on merchant identification, settlement currency, settlement batch cycle, and channel priority. This prevents the netting of receivables and payables within the same batch, and lacks a mechanism to defer the consolidation of scattered positions below the economic threshold for transaction fees. This results in a large number of invalid clearing messages consuming CIPS front-end gateway channel resources. In the risk control and routing process, existing systems lack a systematic multi-factor risk control scoring mechanism for aggregated net positions, failing to comprehensively assess abnormal amounts, frequencies, and fund flows in high-risk areas before message encapsulation. Furthermore, message allocation between CIPS front-end nodes largely relies on static configuration, failing to dynamically adjust routing weights based on the real-time queue depth of each node. This can easily lead to load imbalance issues during peak business periods, with some nodes overloaded while others remain idle. Summary of the Invention

[0004] The main objective of this invention is to provide a method and system for aggregated settlement and clearing in cross-border payment scenarios. This invention reduces the number of net positions that need to be submitted to the CIPS front-end gateway, lowers the channel cost of cross-border clearing, and thus solves the problem of node load imbalance under static configuration routing mode, improving the overall throughput stability of cross-border clearing messages during peak periods.

[0005] To achieve the above objectives, the present invention provides an aggregated settlement and clearing processing method for cross-border payment scenarios, comprising the following steps: Receive cross-border payment and collection transaction instructions from multiple channels and create multiple clearing groups for standard transaction objects, while calculating the net position of each clearing group; The risk control and management plan for each net position is determined based on the net amount of the net position in RMB. The net position that has passed the review in the aforementioned risk control and handling scheme is encapsulated into a standard message, and the standard message is submitted to the CIPS front-end gateway to complete the cross-border net settlement and receive the message acceptance receipt returned by the CIPS front-end gateway, thereby obtaining the bank's electronic receipt.

[0006] Optionally, in a first implementation of the first aspect of the present invention, the step of receiving cross-border payment and receipt transaction instructions from multiple channels and creating multiple clearing groups for standard transaction objects, while simultaneously calculating the net position of each clearing group, includes: The execution fields of cross-border payment and collection transactions from multiple channels are normalized and mapped according to the transaction serial number, merchant identifier, settlement currency, transaction amount, fund flow and transaction timestamp to obtain a standard set of transaction fields; The channel priority stratification parameters are written into the standard transaction field set according to the historical success rate of each channel to obtain the standard transaction object; The standard trading objects are sorted and grouped to obtain multiple clearing groups. The receivables and payables in each clearing group are netted to obtain the net position of each clearing group.

[0007] Optionally, in a second implementation of the first aspect of the present invention, the step of performing clearing and grouping on the standard trading object to obtain multiple clearing groups, and performing net netting on the receivables and payables within each clearing group to obtain the net position of each clearing group, includes: The standard transaction object is sorted and grouped to obtain multiple clearing groups. The sum of all receivables in each clearing group is then subtracted from the sum of all payables to obtain the original currency net amount of each clearing group. The original currency net amount is converted into RMB equivalent net amount by the real-time central parity rate retrieved from the bank-enterprise direct exchange rate interface at the start time of each batch. The clearing group whose RMB equivalent net amount is lower than the economic threshold for the handling fee of a single clearing message is temporarily suspended to the next batch for consolidation. The RMB equivalent net amount of the clearing group that passes the threshold test is used as the net amount position.

[0008] Optionally, in a third implementation of the first aspect of the present invention, the step of performing clearing and grouping on the standard transaction object to obtain multiple clearing groups, and summing all receivables in each clearing group and subtracting the sum of all payables to obtain the original currency net amount of each clearing group, includes: Divide the transaction timestamp of the standard transaction object by the settlement batch cycle and round down to obtain the batch number of each standard transaction object. Then, use the merchant identifier, settlement currency, the batch number and the channel priority layering parameter as the grouping key to perform clearing grouping on the standard transaction object to obtain multiple clearing groups. The net amount in original currency for each clearing group is obtained by summing up the transaction amounts for which funds flow to be receivable and subtracting the sum of the transaction amounts for which funds flow to be payable.

[0009] Optionally, in a fourth implementation of the first aspect of the present invention, determining the risk control measures for each net position based on the RMB equivalent net amount of the net position includes: Based on the net amount of RMB equivalent of the net position, the comprehensive risk control score of each net position is calculated according to the amount level within the batch, the number of transactions, the regulatory compliance risk level of the region where the target currency is located, and the degree of deviation from the net amount of the merchant's historical net position for the same period. The risk control measures for each net position are determined based on the comprehensive risk control score.

[0010] Optionally, in a fifth implementation of the first aspect of the present invention, determining the risk control measures for each net position based on the comprehensive risk control score includes: Based on the false positive rate of abnormal interception and the coverage of precursor features of real risk cases in historical cross-border transaction risk samples, high-risk thresholds and attention thresholds are determined. The comprehensive risk control score is compared with the high-risk threshold and the attention threshold. If the overall risk control score is not lower than the high-risk threshold, the risk control solution for the corresponding net position is to write it into the review queue; if the overall risk control score is between the attention threshold and the high-risk threshold, the risk control solution for the corresponding net position is to add an enhanced due diligence mark and then transfer it to the message encapsulation stage; if the overall risk control score is lower than the attention threshold, the risk control solution for the corresponding net position is to directly transfer it to the message encapsulation stage.

[0011] Optionally, in the sixth implementation of the first aspect of the present invention, the step of encapsulating the net position that has passed the review in the risk control handling scheme into a standard message, submitting the standard message to the CIPS front-end gateway, completing cross-border net settlement, and receiving the message acceptance receipt returned by the CIPS front-end gateway to obtain a bank electronic receipt includes: For net positions with risk control solutions that involve direct transfer or additional enhanced due diligence, the cross-border payment and receipt of the merchant entity shall be packaged into cross-border customer credit transfer messages according to the business scenario, or the position transfer between the cross-border payment system's own reserve fund accounts shall be packaged into inter-financial credit transfer messages. The standard message is obtained by writing the interbank settlement amount, the original currency instruction amount, the account information of the payer and payee and the settlement date into the cross-border customer credit transfer message or the inter-financial credit transfer message; The standard message is assigned to the CIPS front-end node with the highest routing weight in the communication gateway routing module and submitted to the CIPS front-end gateway to complete the cross-border net settlement and receive the message acceptance receipt returned by the CIPS front-end gateway to obtain the bank's electronic receipt.

[0012] Optionally, in the seventh implementation of the first aspect of the present invention, the step of allocating the standard message to the CIPS front-end node with the highest routing weight in the communication gateway routing module and submitting it to the CIPS front-end gateway to complete cross-border net settlement and receive the message acceptance receipt returned by the CIPS front-end gateway to obtain a bank electronic receipt includes: The routing weight of each CIPS front-end node is calculated based on the unprocessed packet queue depth reported by each CIPS front-end node in the communication gateway routing module. The standard message is assigned to the CIPS front-end node with the highest routing weight. The CIPS front-end node then submits the standard message to the CIPS front-end gateway to complete the cross-border net settlement and receives the message acceptance receipt returned by the CIPS front-end gateway to obtain the bank's electronic receipt.

[0013] Optionally, in the eighth implementation of the first aspect of the present invention, after obtaining the bank electronic receipt, the method further includes: Using the transaction serial number as the primary key, perform a full association match between the bank electronic receipt and the internal accounting entry to obtain multiple matching records. Then, calculate the absolute value of the difference between the amount on the bank electronic receipt and the amount on the internal accounting entry in each matching record to obtain the amount difference of each transaction. The amount difference is compared with the tolerance threshold. If the amount difference does not exceed the tolerance threshold, the corresponding matching record is marked as reconciled; if the amount difference exceeds the tolerance threshold, the corresponding matching record is written into the exception handling queue and the transaction serial number, receipt amount, accounting entry amount and difference are archived by the log system to obtain the reconciliation verification result.

[0014] This invention also provides an aggregated settlement and clearing system for cross-border payment scenarios, comprising: The clearing group module is used to receive cross-border payment and receipt transaction instructions from multiple channels and create multiple clearing groups for standard transaction objects, while calculating the net position of each clearing group; The risk control and handling module is used to determine the risk control and handling plan for each net position based on the RMB equivalent net amount of the net position. The cross-border net settlement module is used to encapsulate the net position that has passed the review in the risk control disposal plan into a standard message, submit the standard message to the CIPS front-end gateway, complete the cross-border net settlement, and receive the message acceptance receipt returned by the CIPS front-end gateway to obtain the bank's electronic receipt.

[0015] In summary, this invention eliminates the grouping key conflict problem caused by heterogeneous data from multiple channels by implementing unified field normalization mapping for transaction instructions from B2C, B2B, physical stores, transaction middleware, and external platforms, and assigning channel priority hierarchical parameters based on the historical success rate of each channel. It employs a clearing rule engine to perform four-dimensional clearing grouping based on merchant identifier, settlement currency, batch number, and channel priority hierarchical parameters, achieving internal netting of receivables and payables within the same batch and group. Furthermore, it temporarily suspends the merging of groups with RMB equivalent net amounts below the economic threshold for transaction fees, reducing the number of net positions requiring submission to the CIPS front-end gateway and lowering the channel costs for cross-border clearing. Regarding risk control and compliance, this invention achieves systematic risk identification and hierarchical handling of net positions before they enter the message encapsulation stage by applying a four-factor weighted scoring to the batch-level amount of net positions, the number of transactions, the regulatory compliance risk level of the target currency's region, and the degree of historical net deviation. This compensates for the lack of risk control capabilities at the aggregated net level in existing technologies. The communication gateway of this invention dynamically calculates the routing weight based on the real-time queue depth of each CIPS front-end node, which solves the node load imbalance problem in the static configuration routing mode and improves the overall throughput stability of cross-border clearing messages during peak periods. Attached Figure Description

[0016] Figure 1 This is a schematic diagram of the steps of an aggregated settlement and clearing processing method in a cross-border payment scenario according to an embodiment of the present invention; Figure 2 This is a structural block diagram of the aggregated settlement and clearing processing system in the cross-border payment scenario of this invention.

[0017] The realization of the objective, functional features and advantages of the present invention will be further explained in conjunction with the embodiments and with reference to the accompanying drawings. Detailed Implementation

[0018] To make the objectives, technical solutions, and advantages of this invention clearer, the invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the invention.

[0019] Reference Figure 1 This embodiment provides a method for aggregated settlement and clearing processing in cross-border payment scenarios, including the following steps: S1 receives cross-border payment and receipt transaction instructions from multiple channels and creates multiple clearing groups for standard transaction objects, while calculating the net position of each clearing group; S2, determine the risk control and disposal plan for each net position based on the net RMB equivalent net position; S3 encapsulates the approved net position in the risk control solution into a standard message and submits the standard message to the CIPS front-end gateway to complete cross-border net settlement and receive the message acceptance receipt returned by the CIPS front-end gateway, thus obtaining the bank's electronic receipt.

[0020] In terms of risk control and compliance, this invention employs a four-factor weighted scoring system for net positions. This system assesses the batch-level amount of net positions, the number of transactions, the regulatory compliance risk level of the target currency's region, and the degree of historical net position deviation. This enables systematic risk identification and tiered handling of net positions before they enter the message encapsulation stage, overcoming the shortcomings of existing technologies in risk control at the aggregated net position level. Furthermore, the communication gateway of this invention dynamically calculates routing weights based on the real-time queue depth of each CIPS front-end node, resolving the node load imbalance problem under static configuration routing mode and improving the overall throughput stability of cross-border clearing messages during peak periods.

[0021] In one example, cross-border payment and collection transaction instructions from multiple channels are received and multiple clearing groups for standard transaction objects are created, while the net position of each clearing group is calculated, including: The execution fields of cross-border payment and collection transactions from multiple channels are normalized and mapped according to the transaction serial number, merchant identifier, settlement currency, transaction amount, fund flow and transaction timestamp to obtain a standard set of transaction fields; Based on the historical success rate of each channel, the channel priority stratification parameters are written into the standard transaction field set to obtain the standard transaction object; Standard trading objects are sorted into clearing groups to obtain multiple clearing groups. The receivables and payables within each clearing group are netted to obtain the net position of each clearing group.

[0022] In this embodiment, when processing payment and receipt transaction instructions from B2C e-commerce terminals, B2B enterprise terminals, store retail terminals, transaction middleware, and external platforms in a unified manner in the cross-border payment scenario, a field normalization mapping link is deployed after the order center to converge heterogeneous fields, heterogeneous data types, and inconsistent encoding rules in the original messages of different channels to a unified internal field standard. During execution, for each transaction entering the system, the following six core fields are extracted sequentially: transaction serial number, merchant identifier, settlement currency, transaction amount, fund flow, and transaction timestamp. These fields are then mapped to a unified set of fields. The transaction serial number can be generated using a 64-bit long integer serial number encoding scheme to ensure global uniqueness and time-series traceability. The merchant identifier directly corresponds to the merchant center primary key, facilitating sharing and referencing by clearing, reconciliation, and risk control modules. The settlement currency is uniformly restricted to ISO 4217 three-letter codes to avoid custom abbreviations of the same currency in different channels. The transaction amount is uniformly converted to the smallest accounting unit of the currency and stored as a long integer, for example, USD transactions are written as cents and EUR transactions as cents, compressing the precision drift during cross-currency accumulation. The fund flow is uniformly converged into two categories: accounts receivable and accounts payable, enabling cross-border receipts and payments to be included in the calculation within the same clearing framework. The transaction timestamp uniformly adopts a millisecond-level time value. After the field mapping is completed, the non-negative amount verification, currency compliance verification, and merchant primary key existence verification are performed synchronously at the access layer. Transaction instructions that fail the verification are directly written to the exception buffer or dead letter queue to avoid polluting the clearing results. The set of fields that pass the verification then enters the standard transaction object generation stage.

[0023] Channel priority stratification parameters are written into the standard transaction field set, enabling standard transaction objects to retain transaction entity information while also including clearing path stability information and priority information required for routing scheduling. During execution, a channel stratification mapping table is pre-established, and historical settlement success rates are used as the stratification basis, assigning WeChat Pay and Alipay to stratification level 1, UnionPay to stratification level 2, and partner bank quick payment to stratification level 3. The historical settlement success rate for stratification level 1 can be set to no less than 99.5%, for stratification level 2 to no less than 99.0%, and for stratification level 3 to no less than 98.0%. After the channel stratification parameters are written, the standard transaction object simultaneously possesses a unified data unit containing channel quality tags, batch grouping input parameters, and clearing routing input parameters. Standard transaction objects that have passed verification and completed stratification assignment are batch-written into a memory queue or high-performance message buffer, awaiting unified retrieval upon batch triggering.

[0024] The clearing and settlement module performs grouping based on merchant identifier, settlement currency, batch number, and channel priority parameters, forming multiple clearing groups. Within each clearing group, the total amount of receivable transactions is summed, and the total amount of payable transactions is subtracted to obtain the net position for the corresponding clearing group. For example, the settlement batch cycle can be set to 900 seconds. After batch conversion, the transaction timestamp can be assigned to the corresponding batch number. Transactions from the same merchant, currency, batch, and channel level will be merged into the same clearing group.

[0025] In one example, standard trading objects are sorted into multiple clearing groups, and the receivables and payables within each clearing group are netted to obtain the net position of each clearing group, including: Standard transaction objects are sorted into clearing groups to obtain multiple clearing groups. The sum of all receivables in each clearing group is then subtracted from the sum of all payables to obtain the net amount in the original currency of each clearing group. The original currency net amount is converted into RMB equivalent net amount by the real-time central parity rate retrieved from the bank-enterprise direct exchange rate interface at the start time of each batch. The clearing group whose RMB equivalent net amount is lower than the economic threshold for the handling fee of a single clearing message is temporarily suspended to the next batch for consolidation. The RMB equivalent net amount of the clearing group that passes the threshold test is used as the net amount position.

[0026] In this embodiment, standard transaction objects that have passed verification are read from the memory queue at the batch trigger time, and corresponding clearing groups are formed according to merchant identifier, settlement currency, batch number, and channel priority hierarchical parameters. Transaction objects that can enter the same settlement window and have the same merchant affiliation and currency attribute are converged into the same operation unit. Then, within the corresponding operation unit, the receivable and payable directions are distinguished and accumulated separately to obtain the income and expenditure difference at the original currency level. For transaction amounts with funds flowing to receivables, the clearing module performs forward aggregation; for transaction amounts with funds flowing to payables, the clearing module performs reverse aggregation. Then, the total receivables are subtracted from the total payables to obtain the original currency net amount of the corresponding clearing group. "The income and payment positions that were originally scattered in multiple transactions will be offset internally by the system. The objects entering the cross-border clearing link are no longer individual transactions, but net results with clear merchant affiliation, currency affiliation, and batch affiliation; channel hierarchical information is retained as an auxiliary attribute of the corresponding net amount result."

[0027] The original currency net amount is converted into a unified RMB equivalent net amount. The bank-enterprise direct exchange rate interface returns the real-time mid-rate at the time of batch initiation. The clearing module calls the corresponding currency exchange rate to complete the conversion. The conversion relationship is N2 = N1 × R, where N1 represents the original currency net amount, with the dimension being the smallest unit of the original settlement currency; R represents the real-time mid-rate retrieved at the time of batch initiation, with the dimension being the conversion ratio between the smallest unit of RMB and the smallest unit of foreign currency; and N2 represents the RMB equivalent net amount, with the dimension being the smallest unit of RMB. By using a unified price at the time of batch initiation, instead of pricing each transaction within a group separately, the consistency of the net amount conversion caliber within the same batch can be guaranteed, avoiding comparison distortion caused by the dispersed sampling time of exchange rates within the batch.

[0028] After the RMB equivalent net amount is formed, an economic threshold test is performed on the transaction fees of a single clearing message to determine whether the current net amount is economically reasonable to initiate clearing independently. Since each CIPS message incurs a fixed transaction fee cost, the system uses a pre-set threshold as the boundary for economic assessment, ensuring that the transaction fee as a percentage of the net amount does not exceed a preset threshold. The corresponding RMB base amount is first uniformly converted to the smallest RMB accounting unit, and then combined with the real-time midpoint rate at the time of batch initiation to obtain a dynamic threshold for the corresponding currency. This dynamic threshold is used to determine whether the current clearing group is economically reasonable to initiate clearing independently. When the RMB equivalent net amount after conversion of the absolute value of the original currency net amount is lower than this threshold range, the corresponding clearing group is postponed to the next batch and continues to be consolidated and netted with subsequent newly entered similar transactions. When the RMB equivalent net amount reaches or exceeds the threshold range, the corresponding RMB equivalent net amount is directly recognized as a net position.

[0029] After converting the original currency net amount to RMB equivalent net amount and before performing the fee economic threshold test, the process includes: for all currency clearing groups under the same merchant identifier and batch number, converting the original currency net amount to RMB equivalent net amount using the real-time mid-rate retrieved from the bank-enterprise direct exchange rate interface at the batch start time, and performing cross-currency net offsetting on the positive and negative net amounts in the conversion results to obtain the merchant's cross-currency consolidated RMB net amount in the current batch; comparing the cross-currency consolidated RMB net amount with the RMB equivalent net amount of each single currency clearing group, taking the smaller absolute value as the merchant's actual clearing net amount in the current batch, and marking the corresponding currency combination as a cross-currency offsetting group to obtain the cross-currency offsetting clearing group set; performing the fee economic threshold test on the actual clearing net amount of each clearing group in the cross-currency offsetting clearing group set, outputting the actual clearing net amount of clearing groups that pass the test as net position, and deferring the clearing groups that fail the test to the next batch for consolidation processing.

[0030] In one example, standard transaction objects are sorted into multiple clearing groups. The sum of all receivables within each clearing group is then subtracted from the sum of all payables to obtain the net amount in the original currency for each clearing group, including: Divide the transaction timestamp of the standard transaction object by the settlement batch cycle and round down to obtain the batch number of each standard transaction object. Then, use the merchant identifier, settlement currency, batch number and channel priority layering parameter as the grouping key to perform clearing grouping on the standard transaction objects to obtain multiple clearing groups. The net amount in the original currency of each clearing group is obtained by summing up the transaction amounts for which the funds flow to be receivable and subtracting the sum of the transaction amounts for which the funds flow to be payable.

[0031] In this embodiment, the transaction timestamp of each standard transaction object is read, and the transaction timestamp ts is divided by the settlement batch period ΔT and rounded down to obtain the corresponding batch number p, where ts represents the millisecond-level transaction timestamp. The merchant identifier, settlement currency, and batch number are used as a grouping key to perform clearing grouping on all standard transaction objects, ensuring that transactions from the same merchant in the same currency and batch are converged into the same clearing group. The channel priority hierarchical parameter is retained as a group attribute to describe the transaction source characteristics and subsequent scheduling priority within the group. Since the grouping key retains the merchant, currency, and time dimensions simultaneously, it ensures that different merchants are not confused and avoids erroneous netting of transactions in different currencies. Channel hierarchy information is retained as an auxiliary attribute to support routing scheduling, risk control supplementary judgment, and anomaly analysis. Transaction objects originally scattered across multiple business ends, multiple time points, and multiple channel sources are transformed into multiple clearing groups with stable structures and clear boundaries.

[0032] The clearing module identifies the fund flow of each transaction. For transactions with fund flows to receivables, it performs a cumulative summation; for transactions with fund flows to payables, it performs a separate summation. Then, the net amount N in the original currency for the corresponding clearing group is obtained by subtracting the total payable amount from the total receivable amount. All amounts are expressed in the smallest unit of the corresponding settlement currency. Cross-border receipts and payments within the same clearing group are first offset internally. Only the difference after offsetting continues to flow forward, reducing the number of monetary objects that need to enter the subsequent clearing chain and lowering the channel occupancy and fee accumulation pressure caused by submitting messages one by one. When N is greater than zero, the current clearing group can be considered to have a net receivables position; when N is less than zero, the current clearing group can be considered to have a net payables position; when N is close to zero, it indicates that the receivables and payables within the group have achieved sufficient internal offsetting.

[0033] Before dividing the transaction timestamp of the standard trading object by the settlement batch period and rounding down, the process includes: calculating the cumulative rate of the number of queued transactions in each clearing group within the current batch window based on the cumulative rate per unit time; comparing the cumulative rate of the number of transactions in the current batch with a preset lower limit threshold for netting transactions to obtain a batch cumulative rate determination result; based on the batch cumulative rate determination result, for clearing groups whose cumulative rate is lower than the lower limit threshold for netting transactions, extending the settlement batch period by a preset step size to the estimated time required for the cumulative rate to meet the lower limit threshold for netting transactions to obtain an adaptive settlement batch period; writing the adaptive settlement batch period into the batch period parameter of the corresponding clearing group, and using the adaptive settlement batch period to replace the fixed settlement batch period to perform a rounding down grouping of the transaction timestamp of the standard trading object to obtain multiple clearing groups based on the adaptive batch period.

[0034] In one example, the risk management plan for each net position is determined based on its RMB equivalent net value, including: Based on the net amount of RMB equivalent in the net position, the comprehensive risk control score of each net position is calculated according to the amount level within the batch, the number of transactions, the regulatory compliance risk level of the region where the target currency is located, and the degree of deviation from the net amount of the merchant's historical net position in the same period. The risk control measures for each net position are determined based on the comprehensive risk control score.

[0035] In this embodiment, the net amount of the net position in RMB, along with the corresponding group metadata, is sent to the anti-money laundering review process. A comprehensive risk control score is constructed based on the batch-specific amount level, number of transactions, regulatory compliance risk level of the target currency's region, and deviation from the merchant's historical net amount for the same period. The comprehensive risk control score is generated using a multi-factor weighted method. ,in, Indicates clearing group The corresponding comprehensive risk control score ranges from 0 to 1; This represents the net amount equivalent in RMB corresponding to the net position, measured in the smallest unit of RMB. This indicates an abnormal amount sub-rating, reflecting whether the current net amount is approaching the maximum net amount limit for a single batch registered by the merchant in the Merchant Center. ; This represents the frequency anomaly sub-score, reflecting the number of transactions in the current batch relative to the 95th percentile of transactions in the same historical period. The degree of being too high; The sub-score for jurisdictional risk reflects the regulatory risk coefficient of the region corresponding to the target currency. The historical deviation sub-score measures the current net RMB equivalent relative to the historical mean. The level of deviation from historical standard deviation; , , , These represent the weights of the four sub-scores. All four sub-scores are mapped to a range of 0 to 1. The amount sub-score takes the maximum value of 1 when the net amount in RMB equivalent reaches or exceeds the authorized limit. The frequency sub-score uses the 95th percentile of historical data for the same period as the high-frequency boundary; for new merchants lacking historical samples, the system's global 95th percentile for the same period is used as a fallback. The regional risk sub-score is assigned a value based on the regulatory list status of the region corresponding to the target currency. The risk coefficient for whitelisted regions can be 0.1, for graylisted regions 0.6, and for high-risk regions 1.0. The historical deviation sub-score is normalized based on the historical mean and historical standard deviation, ensuring that amplified anomalies and sudden behavioral changes are included in the same scoring framework.

[0036] Based on the comprehensive risk control score, the risk management module determines the risk control handling plan according to the preset threshold range and diverts net positions of different risk levels to the corresponding processing paths. For example, the high-risk threshold can be set to 0.75, and the attention threshold can be set to 0.50. Setting the high-risk threshold to 0.75 can further differentiate between high-confidence abnormal net positions and normal net positions, while setting the attention threshold to 0.50 can cover most suspicious net positions with precursor risk characteristics but not yet meeting the mandatory blocking conditions. When the comprehensive risk control score is not lower than 0.75, the net position is directly written into the manual review suspension queue, and a group metadata alert is pushed to compliance personnel simultaneously; when the comprehensive risk control score is between 0.50 and 0.75, the net position continues to flow after being marked with enhanced due diligence, preserving a prudent review trace for message encapsulation and clearing execution; when the comprehensive risk control score is lower than 0.50, the net position directly enters the subsequent processing link. The risk control module can intercept high-risk net amounts, conduct enhanced reviews of intermediate-risk net amounts, and allow low-risk net amounts to pass smoothly without disrupting normal clearing efficiency.

[0037] In one example, the risk management plan for each net position is determined based on the overall risk control score, including: Based on the false positive rate of abnormal interception and the coverage of precursor features of real risk cases in historical cross-border transaction risk samples, high-risk thresholds and attention thresholds are determined. The comprehensive risk control score will be compared with the high-risk threshold and the attention threshold. If the overall risk control score is not lower than the high-risk threshold, the risk control solution for the corresponding net position is to be written into the review queue; if the overall risk control score is between the attention threshold and the high-risk threshold, the risk control solution for the corresponding net position is to add an enhanced due diligence mark and then transfer it to the message packaging stage; if the overall risk control score is lower than the attention threshold, the risk control solution for the corresponding net position is to directly transfer it to the message packaging stage.

[0038] In this embodiment, net position records with completed review conclusions are extracted from historical cross-border transaction risk samples. A linked evaluation is performed on the abnormal interception misjudgments and the coverage of precursor features for real risk cases corresponding to different scoring intervals to form threshold adjustment results. Historical samples are arranged from low to high according to comprehensive risk control scores, and the change in the proportion of normal samples after entering the interception link is statistically analyzed segment by segment within continuous scoring intervals. Simultaneously, the coverage changes of confirmed risk samples at different scoring cut-off points are statistically analyzed, thereby identifying the balance between risk interception intensity and the degree of business mis-damage. When the misjudgment pressure corresponding to a certain scoring cut-off point increases significantly, while the precursor feature coverage gain has leveled off, the risk handling module identifies the scoring cut-off point as a high-risk threshold candidate. When another scoring cut-off point can cover most suspicious precursor behaviors early on, but has not yet entered the mandatory blocking range, the risk handling module identifies the scoring cut-off point as a concern threshold candidate. After the threshold candidates are formed, consistency verification can be performed by combining merchant type, currency distribution, batch transaction density, and manual review resource load to avoid the threshold setting result being only suitable for a single period sample and lacking stability. After the verification is passed, the high-risk threshold and the attention threshold are written into the risk control parameter table as the formal judgment boundary for net position diversion.

[0039] The risk handling module performs a range comparison on the comprehensive risk control score corresponding to each net position and determines the subsequent transfer path accordingly. When the comprehensive risk control score is not lower than the high-risk threshold, it indicates that the net position simultaneously possesses strong abnormal clustering characteristics and a high probability of risk confirmation. The net position is written into the review queue, its entry into the message encapsulation link is suspended, and the merchant identifier, settlement currency, batch number, net amount information, and score details are simultaneously retained for further review by the manual review terminal. When the comprehensive risk control score is between the attention threshold and the high-risk threshold, it indicates that the net position has shown a certain degree of abnormality, but has not yet reached the conditions for direct blocking. That is, an enhanced due diligence mark is added to the net position metadata before it continues to flow to the message encapsulation stage, so that the subsequent clearing process retains traces of medium-risk review. When the comprehensive risk control score is lower than the attention threshold, it indicates that the net position has not shown significant risk clustering characteristics compared with historical samples. The net position is determined to be a directly transferable object and sent to the message encapsulation stage.

[0040] In one example, the approved net position in the risk control handling plan is encapsulated into a standard message, and the standard message is submitted to the CIPS front-end gateway to complete cross-border net clearing and receive the message acceptance receipt returned by the CIPS front-end gateway, thus obtaining the bank's electronic receipt, including: For net positions with risk control solutions that involve direct transfer or additional enhanced due diligence, the cross-border payment and receipt of the merchant entity shall be packaged into cross-border customer credit transfer messages according to the business scenario, or the position transfer between the cross-border payment system's own reserve fund accounts shall be packaged into inter-financial credit transfer messages. The standard message is obtained by writing the interbank settlement amount, the original currency instruction amount, the account information of the payer and payee and the settlement date into the cross-border customer credit transfer message or the inter-financial credit transfer message; The standard message is assigned to the CIPS front-end node with the highest routing weight in the communication gateway routing module and submitted to the CIPS front-end gateway to complete the cross-border net settlement and receive the message acceptance receipt returned by the CIPS front-end gateway, thus obtaining the bank's electronic receipt.

[0041] In this embodiment, the cross-border net clearing module identifies and categorizes the processing results, only accepting net positions with processing plans of direct transfer or enhanced due diligence marking. It then determines the appropriate message type based on the business scenario. If the net position corresponds to a merchant's cross-border payment and receipt transaction, the message encapsulation module organizes the message content according to the cross-border customer credit transfer message structure. If the net position corresponds to a position transfer transaction between the cross-border payment system's own reserve fund accounts, the message encapsulation module switches to the inter-financial institution credit transfer message structure. To avoid semantic confusion between the two types of transactions in the same channel, the merchant's entity attributes, account ownership, clearing purpose identifier, and risk control status are verified before entering the encapsulation stage, ensuring that merchant clearing transactions and internal system position transfer transactions enter matching message templates. For net positions with enhanced due diligence marking, the encapsulation process does not block them; instead, it retains corresponding regulatory comments or review identifiers in subsequent message fields, allowing the message to continue entering the clearing chain while providing identification basis for subsequent compliance documentation and manual spot checks.

[0042] The message encapsulation module writes the settlement information corresponding to the net position into the standard message fields, forming a standard message object that can be submitted. During execution, the RMB equivalent settlement amount is written into the interbank settlement amount field, and the original currency net amount is written into the instruction amount field. Simultaneously, it extracts payer entity information, payee account information, payee entity information, payee account information, and settlement date from the merchant center, account center, and settlement archive, and fills them into the message header and transaction details fields according to the predetermined message hierarchy. To ensure that the same clearing group within the same batch does not send duplicate messages, a unique message identifier is generated for each standard message, and the batch attribution information and group identifier are included in the unique identifier generation process. If the net position carries an enhanced due diligence marker, the message encapsulation module synchronously writes the corresponding identifier into the relevant fields of the regulatory report, ensuring that the clearing message retains a compliance review trace during its flow.

[0043] The communication gateway routing module selects the front-end node with the highest routing weight from the currently available CIPS front-end node set to receive standard messages, and the front-end node submits the message to the CIPS front-end gateway. After the front-end node completes the submission, the system listens for message acceptance receipts and associates the receipt status with the original message's unique identifier. Once the acceptance result is returned, the cross-border net clearing process can confirm that the corresponding net position has entered the external clearing link, and then the subsequent bank-enterprise direct connection and receipt receiving link obtain the bank's electronic receipt.

[0044] In one example, the standard message is assigned to the CIPS front-end node with the highest routing weight in the communication gateway routing module and submitted to the CIPS front-end gateway. This completes the cross-border net settlement and receives the message acceptance receipt from the CIPS front-end gateway, resulting in an electronic bank statement, including: The routing weight of each CIPS front-end node is calculated based on the unprocessed packet queue depth reported by each CIPS front-end node in the routing module of the communication gateway. The standard message is assigned to the CIPS front-end node with the highest routing weight. The CIPS front-end node then submits the standard message to the CIPS front-end gateway to complete the cross-border net settlement and receives the message acceptance receipt returned by the CIPS front-end gateway, thus obtaining the bank's electronic receipt.

[0045] In this embodiment, the communication gateway routing module continuously receives the queue depth of pending packets periodically reported by each CIPS front-end node, and constructs a node load view at the current moment based on this. Each front-end node carries the backlog of packets that it has not yet completed sending or has not yet received a processing result in its heartbeat message. After receiving the latest status of all online nodes, the routing module converts the queue depth of each node into a comparable routing weight, so that nodes with shorter queues receive higher carrying priority. The routing weight can be calculated according to an inverse normalization relationship:

[0046] in, This represents the routing weight of the i-th preceding node. This indicates the current depth of the message queue to be processed at the i-th preceding node. This represents a smoothing term used to prevent denominator instability when the queue depth is zero. 'n' represents the number of currently online front-end nodes. Nodes with higher idle levels naturally receive higher weights, while nodes with a large backlog of messages receive lower weights. This allows the communication gateway routing module to move away from static distribution, enabling standard messages to dynamically flow according to the real-time load of nodes, thereby mitigating the impact of single-node congestion on overall cross-border clearing throughput during peak periods.

[0047] After the routing weights of each node are calculated, the communication gateway routing module selects the CIPS front-end node with the highest routing weight from the candidate node set as the target submission node for the current standard message, and sends the standard message along with the message's unique identifier, business association identifier, and necessary clearing context to the target node. Upon receiving the standard message, the CIPS front-end node performs pre-send checks on the message format integrity, the completeness of required fields, and the connection session status. Only after passing these checks does it initiate a formal submission to the CIPS front-end gateway. After submission, the front-end node continues to monitor for receipts and sends the returned message acceptance result back to the cross-border net clearing module. The cross-border net clearing module then updates the association between the acceptance result and the original net position based on the message's unique identifier. When the acceptance receipt returns an accepted status, the corresponding standard message is marked as having entered the external clearing link, and the fund transfer, status tracking, and electronic receipt reception processes continue, forming a bank electronic receipt.

[0048] After assigning the standard message to the CIPS front-end node with the highest routing weight and submitting it to the CIPS front-end gateway, the process includes: timing the acknowledgment waiting time after the CIPS front-end node submits the standard message; comparing the acknowledgment waiting time with a preset timeout threshold; for standard messages whose acknowledgment waiting time exceeds the timeout threshold and no message acceptance acknowledgment has been received, initiating a message status query request to the CIPS front-end gateway using the message's unique identifier as the primary key; determining whether the standard message has been accepted by the CIPS front-end gateway based on the query result, and obtaining the message acceptance status; for standard messages with an acceptance status of "not accepted," the original submitting node... The standard packet is temporarily removed from the route candidate set, and a normalized weighted calculation is re-performed based on the current unprocessed packet queue depth of the remaining online CIPS front-end nodes to obtain the updated route weight. The standard packet is then redistributed to the CIPS front-end node with the highest updated route weight, resulting in a re-route allocation result. For the CIPS front-end node corresponding to the re-route allocation result, the original packet's unique identifier is appended to the header of the standard packet as an idempotent check key before being submitted to the CIPS front-end gateway. The CIPS front-end gateway performs deduplication verification on duplicate submissions based on the idempotent check key and returns the final packet acceptance receipt, resulting in the bank's electronic receipt.

[0049] In one example, after receiving the electronic bank statement, the process also includes: Using the transaction serial number as the primary key, perform a full association match between the bank electronic receipt and the internal accounting entry to obtain multiple matching records. Then, calculate the absolute value of the difference between the amount on the bank electronic receipt and the amount on the internal accounting entry in each matching record to obtain the amount difference of each transaction. Compare the amount difference with the tolerance threshold; If the amount difference does not exceed the tolerance threshold, the corresponding matching record will be marked as reconciled; if the amount difference exceeds the tolerance threshold, the corresponding matching record will be written to the exception handling queue and the transaction serial number, receipt amount, accounting entry amount and difference will be archived by the log system to obtain the reconciliation verification result.

[0050] In this embodiment, the bank electronic receipt receiving module performs format parsing on receipt data from partner banks or bank-enterprise direct connection interfaces, extracting the transaction serial number, amount received, posting time, payment account identifier, receiving account identifier, and receipt status from the receipt message, and writing them into the receipt temporary storage area. Simultaneously, the accounting center extracts accounting records that have been posted within the same clearing cycle from the internal accounting entry table, performs a full match using the standard message unique identifier or clearing group identifier as the primary association key, and uses the transaction serial number for expanding transaction details and tracing discrepancies within the group. To avoid mismatches caused by cross-batch order mixing, duplicate receipt overwriting, or accounting supplementary entries, the accounting center adds auxiliary verification conditions such as clearing date, currency identifier, merchant identifier, and message unique identifier before performing primary key matching. This performs secondary filtering for cases where multiple candidate records appear under the same transaction serial number, ensuring that each bank electronic receipt ultimately corresponds to only one valid internal accounting entry. After the matching relationship is established, the reconciliation center reads the bank electronic receipt amount and the internal accounting entry amount from the matching record, calculates the absolute value of the difference between the two, and writes the difference into the reconciliation result cache table.

[0051] The reconciliation center compares the amount difference with the tolerance threshold to distinguish between normal clearing errors and abnormal accounting deviations. The tolerance threshold is uniformly maintained by the settlement parameter table and is adjusted in conjunction with the accuracy of bank receipts, the number of digits retained in currency conversion, the granularity of internal accounting entries, and the legal rounding rules in the clearing chain. This ensures that minor deviations occurring during normal rounding, format conversion, or system allocation are not incorrectly identified as anomalies. During the comparison, if the amount difference does not exceed the tolerance threshold, the reconciliation center updates the corresponding matching record to a reconciliation-consistent state and writes the reconciliation completion identifier, verification time, and verification batch information, allowing the clearing tracking module to directly reference the consistency result. If the amount difference exceeds the tolerance threshold, the reconciliation center writes the corresponding matching record to the anomaly handling queue and submits the transaction serial number, bank electronic receipt amount, internal accounting entry amount, amount difference, receipt receipt receipt time, accounting entry time, and associated message identifier to the log system for archiving. The monitoring module triggers alarm pushes based on abnormal records, enabling operations personnel or financial reviewers to quickly investigate the reasons for discrepancies in abnormal transactions. For example, it can check for duplicate entries in receipts, omissions in accounting entries, inconsistent currency conversion methods, delayed write-back of batch settlement, or abnormal return of external bank receipt status.

[0052] Reference Figure 2This embodiment provides an aggregated settlement and clearing system for cross-border payment scenarios, including: The clearing group module 1 is used to receive cross-border payment and receipt transaction instructions from multiple channels and create multiple clearing groups for standard transaction objects, while calculating the net position of each clearing group; Risk control and handling module 2 is used to determine the risk control and handling plan for each net position based on the RMB equivalent net position. Cross-border net clearing module 3 is used to encapsulate the net position that has passed the review in the risk control disposal plan into a standard message, submit the standard message to the CIPS front-end gateway, complete the cross-border net clearing, and receive the message acceptance receipt returned by the CIPS front-end gateway to obtain the bank's electronic receipt.

[0053] In this embodiment, the specific implementation of each unit in the above system embodiment is described in the above method embodiment, and will not be repeated here.

[0054] It should be noted that, in this document, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, system, article, or method that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, system, article, or method. Unless otherwise specified, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, system, article, or method that includes that element.

[0055] The above description is only a preferred embodiment of the present invention and does not limit the patent scope of the present invention. Any equivalent structural or procedural transformations made based on the content of the present invention specification and drawings, or direct or indirect applications in other related technical fields, are similarly included within the patent protection scope of the present invention.

Claims

1. A method for aggregated settlement and clearing processing in cross-border payment scenarios, characterized in that, include: Receive cross-border payment and collection transaction instructions from multiple channels and create multiple clearing groups for standard transaction objects, while calculating the net position of each clearing group; The risk control and management plan for each net position is determined based on the net amount of the net position in RMB. The net position that has passed the review in the aforementioned risk control and handling scheme is encapsulated into a standard message, and the standard message is submitted to the CIPS front-end gateway to complete the cross-border net settlement and receive the message acceptance receipt returned by the CIPS front-end gateway, thereby obtaining the bank's electronic receipt.

2. The method for aggregated settlement and clearing processing in cross-border payment scenarios according to claim 1, characterized in that, The process of receiving cross-border payment and receipt transaction instructions from multiple channels and creating multiple clearing groups for standard transaction objects, while simultaneously calculating the net position of each clearing group, includes: The execution fields of cross-border payment and collection transactions from multiple channels are normalized and mapped according to the transaction serial number, merchant identifier, settlement currency, transaction amount, fund flow and transaction timestamp to obtain a standard set of transaction fields; The channel priority stratification parameters are written into the standard transaction field set according to the historical success rate of each channel to obtain the standard transaction object; The standard trading objects are sorted and grouped to obtain multiple clearing groups. The receivables and payables in each clearing group are netted to obtain the net position of each clearing group.

3. The method for aggregated settlement and clearing processing in cross-border payment scenarios according to claim 2, characterized in that, The process of grouping the standard trading objects into multiple clearing groups and netting the receivables and payables within each clearing group to obtain the net position of each clearing group includes: The standard transaction object is sorted and grouped to obtain multiple clearing groups. The sum of all receivables in each clearing group is then subtracted from the sum of all payables to obtain the original currency net amount of each clearing group. The original currency net amount is converted into RMB equivalent net amount by the real-time central parity rate retrieved from the bank-enterprise direct exchange rate interface at the start time of each batch. The clearing group whose RMB equivalent net amount is lower than the economic threshold for the handling fee of a single clearing message is temporarily suspended to the next batch for consolidation. The RMB equivalent net amount of the clearing group that passes the threshold test is used as the net amount position.

4. The method for aggregated settlement and clearing processing in cross-border payment scenarios according to claim 3, characterized in that, The standard transaction object is sorted and grouped to obtain multiple clearing groups. The sum of all receivables within each clearing group is then subtracted from the sum of all payables to obtain the original currency net amount of each clearing group, including: Divide the transaction timestamp of the standard transaction object by the settlement batch cycle and round down to obtain the batch number of each standard transaction object. Then, use the merchant identifier, settlement currency, the batch number and the channel priority layering parameter as the grouping key to perform clearing grouping on the standard transaction object to obtain multiple clearing groups. The net amount in the original currency of each clearing group is obtained by summing up the transaction amounts for which the funds flow to be receivable within each clearing group and subtracting the sum of the transaction amounts for which the funds flow to be payable.

5. The method for aggregated settlement and clearing processing in cross-border payment scenarios according to claim 4, characterized in that, The risk control measures for determining each net position based on its RMB equivalent net value include: Based on the net amount of RMB equivalent of the net position, the comprehensive risk control score of each net position is calculated according to the amount level within the batch, the number of transactions, the regulatory compliance risk level of the region where the target currency is located, and the degree of deviation from the net amount of the merchant's historical net position for the same period. The risk control measures for each net position are determined based on the comprehensive risk control score.

6. The method for aggregated settlement and clearing processing in cross-border payment scenarios according to claim 5, characterized in that, The process of determining the risk control measures for each net position based on the comprehensive risk control score includes: Based on the false positive rate of abnormal interception and the coverage of precursor features of real risk cases in historical cross-border transaction risk samples, high-risk thresholds and attention thresholds are determined. The comprehensive risk control score is compared with the high-risk threshold and the attention threshold. If the overall risk control score is not lower than the high-risk threshold, the risk control solution for the corresponding net position is to write it into the review queue; if the overall risk control score is between the attention threshold and the high-risk threshold, the risk control solution for the corresponding net position is to add an enhanced due diligence mark and then transfer it to the message encapsulation stage; if the overall risk control score is lower than the attention threshold, the risk control solution for the corresponding net position is to directly transfer it to the message encapsulation stage.

7. The method for aggregated settlement and clearing processing in cross-border payment scenarios according to claim 6, characterized in that, The process involves encapsulating the approved net position in the risk control solution into a standard message, submitting the standard message to the CIPS front-end gateway, completing cross-border net settlement, receiving the message acceptance receipt returned by the CIPS front-end gateway, and obtaining an electronic bank statement. For net positions with risk control solutions that involve direct transfer or additional enhanced due diligence, the cross-border payment and receipt of the merchant entity shall be packaged into cross-border customer credit transfer messages according to the business scenario, or the position transfer between the cross-border payment system's own reserve fund accounts shall be packaged into inter-financial credit transfer messages. The standard message is obtained by writing the interbank settlement amount, the original currency instruction amount, the account information of the payer and payee and the settlement date into the cross-border customer credit transfer message or the inter-financial credit transfer message; The standard message is assigned to the CIPS front-end node with the highest routing weight in the communication gateway routing module and submitted to the CIPS front-end gateway to complete the cross-border net settlement and receive the message acceptance receipt returned by the CIPS front-end gateway to obtain the bank's electronic receipt.

8. The method for aggregated settlement and clearing processing in cross-border payment scenarios according to claim 7, characterized in that, The process of allocating the standard message to the CIPS front-end node with the highest routing weight in the communication gateway routing module and submitting it to the CIPS front-end gateway to complete cross-border net settlement and receive the message acceptance receipt returned by the CIPS front-end gateway to obtain the bank's electronic receipt includes: The routing weight of each CIPS front-end node is calculated based on the unprocessed packet queue depth reported by each CIPS front-end node in the communication gateway routing module. The standard message is assigned to the CIPS front-end node with the highest routing weight. The CIPS front-end node then submits the standard message to the CIPS front-end gateway to complete the cross-border net settlement and receives the message acceptance receipt returned by the CIPS front-end gateway to obtain the bank's electronic receipt.

9. The method for aggregated settlement and clearing processing in cross-border payment scenarios according to claim 7, characterized in that, After receiving the bank's electronic receipt, it also includes: Using the transaction serial number as the primary key, perform a full association match between the bank electronic receipt and the internal accounting entry to obtain multiple matching records. Then, calculate the absolute value of the difference between the amount on the bank electronic receipt and the amount on the internal accounting entry in each matching record to obtain the amount difference of each transaction. The amount difference is compared with the tolerance threshold. If the amount difference does not exceed the tolerance threshold, the corresponding matching record is marked as reconciled; if the amount difference exceeds the tolerance threshold, the corresponding matching record is written into the exception handling queue and the transaction serial number, receipt amount, accounting entry amount and difference are archived by the log system to obtain the reconciliation verification result.

10. A system for aggregated settlement and clearing in cross-border payment scenarios, characterized in that, The steps for implementing the aggregated settlement and clearing processing method for cross-border payment scenarios according to any one of claims 1 to 9 include: The clearing group module is used to receive cross-border payment and receipt transaction instructions from multiple channels and create multiple clearing groups for standard transaction objects, while calculating the net position of each clearing group; The risk control and handling module is used to determine the risk control and handling plan for each net position based on the RMB equivalent net amount of the net position. The cross-border net settlement module is used to encapsulate the net position that has passed the review in the risk control disposal plan into a standard message, submit the standard message to the CIPS front-end gateway, complete the cross-border net settlement, and receive the message acceptance receipt returned by the CIPS front-end gateway to obtain the bank's electronic receipt.

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