A multi-level combined payment method and system considering payment method characteristics

Abstract

The application relates to the technical field of medical settlement and electronic payment, and particularly discloses a multi-level joint payment method and system considering payment mode characteristics, which comprises the following steps: receiving a joint payment order request, obtaining and classifying target payment mode and characteristic information; traversing a sub-settlement order set, calculating the to-be-paid amount of each sub-settlement order, matching a corresponding allocation algorithm according to the payment mode type, accounting for the sub-settlement order allocation amount and updating the remaining total allocation amount in real time; after the traversal of all the sub-settlement orders is completed, if the remaining total allocation amount exists, the remaining total allocation amount is added to the last sub-settlement order allocation amount; finally, the sub-settlement order allocation amounts are packaged to generate payment parameters, and a joint payment order is initiated; the application not only meets the requirement of the medical insurance that the cost is split into multiple settlement orders for separate reimbursement, but also enables the patient to complete the payment of all the settlement orders through only one joint payment.

Description

Technical Field

[0001] This invention relates to the field of medical settlement and electronic payment technology, and in particular to a multi-level consolidated payment method and system that takes into account the characteristics of payment methods. Background Technology

[0002] In the field of medical settlement, patients may incur multiple outpatient charges during their medical visits, such as registration fees, examination fees, and medication fees. The traditional method is to settle and pay each charge separately. However, this method suffers from problems such as low operational efficiency, poor patient experience, and complex mixed payment methods. For example, in medical settlement scenarios, the same combined payment may involve multiple payment methods, such as medical insurance reimbursement, cash payment, bank card payment, and pre-authorization payment, and different payment methods have different amount constraint characteristics.

[0003] To address the problems of traditional methods, the industry has proposed the concept of consolidated payment, which combines multiple charges into a single consolidated payment bill, allowing patients to settle all costs with a single payment. However, existing consolidated payment methods are mainly geared towards scenarios with a single payment method, such as consolidated payments on Taobao or consolidated orders on Meituan in the e-commerce sector. They still lack the ability to handle mixed scenarios with multiple payment methods, especially in the field of medical settlement, where technical challenges remain.

[0004] In the field of medical settlement, if expenses involving different medical insurance reimbursement rules are split into independent settlement bills, and each settlement bill is reimbursed separately, patients will have to deal with multiple independent settlement bills. If each settlement bill is paid separately, patients will have to pay multiple times, resulting in a very poor experience. Summary of the Invention

[0005] To address the shortcomings of existing technologies, this invention provides a multi-level consolidated payment method that considers the characteristics of different payment methods. In the context of consolidated payment for medical settlement, based on the inherent characteristics of different payment methods, the total amount of consolidated payment is allocated to each sub-settlement bill in a differentiated manner. This solves the technical problems of inconsistent amount allocation, conflicting consumption strategies, failure to meet pre-authorization constraints, and difficulty in maintaining payment flow amount equation constraints caused by the inherent differences in the characteristics of different payment methods.

[0006] On the one hand, a multi-level consolidated payment method that takes into account the characteristics of payment methods is provided, including: Receive a combined payment order request and obtain the target payment method and its characteristics; The target payment methods are classified according to their characteristic information; Iterate through the set of sub-settlement orders, calculate the amount to be paid for each sub-settlement order, and select the corresponding allocation algorithm to calculate the allocated amount according to the payment method type; determine the current remaining allocated amount based on the remaining allocated amount of the previous round and the allocated amount of the current sub-settlement order; after iterating through all sub-settlement orders, if the current remaining allocated amount is greater than zero, then append the current remaining allocated amount to the allocated amount of the last sub-settlement order. The allocated amounts of each sub-settlement statement are encapsulated as payment order parameters, and a payment order request is initiated.

[0007] Preferably, the combined payment order request includes: a combined payment settlement statement identifier, a payment method identifier, and a total payment amount; the combined payment settlement statement is associated with multiple sub-settlement statements, and each sub-settlement statement has an independent amount due, discount amount, additional charge amount, and amount already paid.

[0008] Preferably, the classification of target payment methods based on their characteristic information includes: If the payment method is card payment, cash payment, or pre-authorization, then sub-settlement order level differentiated allocation will be performed; If the payment method is medical insurance reimbursement, the order will be rejected. If the payment method is other types, the total payment amount will be directly added to the consolidated payment settlement form itself; Preferably, the step of traversing the set of sub-settlement statements, calculating the amount to be paid for each sub-settlement statement, and selecting the corresponding apportionment algorithm based on the payment method type to calculate the apportioned amount; specifically: For each sub-settlement statement, calculate its outstanding amount based on the total amount receivable, total discount amount, total additional charge amount, and amount already paid; The corresponding cost-sharing algorithm is selected based on the payment method type; the cost-sharing algorithms include: card payment cost-sharing algorithm, cash cost-sharing algorithm, and pre-authorization cost-sharing algorithm.

[0009] Preferably, the card payment cost-sharing algorithm includes: Query the available balance and spending control policy of the card account corresponding to the payment method of the card payment type; based on the spending control policy, calculate the amount that the card is allowed to pay on the current sub-settlement statement, i.e. the available card balance; Based on the amount due, the available balance on the card, and the remaining total amount to be allocated, determine the amount allocated to the current sub-settlement statement for this payment method.

[0010] Preferably, the cash sharing algorithm includes: Obtain the rounding type and rounding precision bits for this cash payment method; The theoretical allocation amount for this payment method to the current sub-settlement statement is determined based on the amount to be paid, the rounding type, and the number of rounding precision digits. The minimum of the theoretically allocated amount and the remaining total allocated amount is used to determine the actual allocated amount of this payment method to the current sub-settlement statement; The actual amount allocated to the current sub-settlement by the pre-authorization allocation algorithm is equal to the total receivable amount of the sub-settlement.

[0011] Preferably, it also includes: after the payment order is placed, establishing a connection between the payment flow of each sub-settlement order and its parent payment flow on the combined payment settlement order to obtain a two-way mapping relationship between parent and child payment flows; When all payments for the consolidated order are completed and the settlement process begins, a transaction consistency verification process is executed.

[0012] On the other hand, a multi-level consolidated payment system that takes into account the characteristics of payment methods is provided, including: The consolidated payment settlement management module receives consolidated payment order requests and obtains the target payment method and its characteristic information; it then classifies the target payment methods according to their characteristic information. The differentiated allocation algorithm module iterates through the set of sub-settlement orders, calculates the amount to be paid for each sub-settlement order, and selects the corresponding allocation algorithm to calculate the allocated amount based on the payment method type. It determines the current remaining allocated amount based on the remaining allocated amount of the previous round and the allocated amount of the current sub-settlement order. After iterating through all sub-settlement orders, if the current remaining allocated amount is greater than zero, it appends the current remaining allocated amount to the allocated amount of the last sub-settlement order. The payment management module encapsulates the allocated amount of each sub-settlement order into payment order parameters and initiates a payment order request.

[0013] Furthermore, an electronic device is also provided, including: Memory, used for non-transitory storage of computer-readable instructions; and Processor, for executing the computer-readable instructions, When the computer-readable instructions are executed by the processor, they perform the method described in the first aspect above.

[0014] In another aspect, a storage medium is also provided for non-transitory storage of computer-readable instructions, wherein when the non-transitory computer-readable instructions are executed by a computer, the method described in the first aspect is performed.

[0015] The above technical solution has the following advantages or beneficial effects: This invention solves the problem of complex calculation of card consumption strategies in combined transaction scenarios by directly allocating card payments to each sub-settlement order and independently calculating the available card amount and consumption strategy on each sub-settlement order.

[0016] This invention eliminates medical insurance reimbursement payment methods from the cost-sharing process of combined payment, ensuring that each sub-settlement statement is independently settled through the medical insurance network, obtaining an independent medical insurance network settlement ID. It supports reimbursement and cancellation on a statement-by-statement basis, complying with the regulations for the use of medical insurance funds. Simultaneously, combined payment handles the out-of-pocket amount beyond medical insurance reimbursement, satisfying medical insurance requirements while reducing the number of payment operations for patients; it also meets the independent settlement constraints of medical insurance reimbursement. Attached Figure Description

[0017] The accompanying drawings, which form part of this invention, are used to provide a further understanding of the invention. The illustrative embodiments of the invention and their descriptions are used to explain the invention and do not constitute an improper limitation of the invention.

[0018] Figure 1 This is an overall flowchart of a multi-level consolidated payment method that takes into account the characteristics of payment methods, as described in Example 1. Figure 2 This is the overall architecture diagram of the differentiated cost-sharing system for consolidated payments in Example 1; Figure 3 This is the core flowchart of the differentiated allocation algorithm in Example 1; Figure 4 This is a schematic diagram illustrating the payment method routing decision and amount calculation in Example 1; Figure 5 This is a flowchart illustrating the parent-child bidirectional mapping and settlement process for consolidated payment transactions in Example 1. Detailed Implementation

[0019] It should be noted that the following detailed descriptions are exemplary and intended to provide further illustration of the invention. Unless otherwise specified, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention pertains.

[0020] It should be noted that the terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the exemplary embodiments of the invention. The terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion, for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0021] In this embodiment of the invention, "and / or" is merely a description of the relationship between related objects, indicating that three relationships can exist. For example, A and / or B can represent: A existing alone, A and B existing simultaneously, and B existing alone. Furthermore, in the description of this invention, "multiple" refers to two or more.

[0022] Furthermore, to facilitate a clear description of the technical solutions of the embodiments of the present invention, the terms "first" and "second" are used in the embodiments of the present invention to distinguish identical or similar items with essentially the same function and effect. Those skilled in the art will understand that the terms "first" and "second" do not limit the quantity or execution order, and the terms "first" and "second" are not necessarily different.

[0023] Where there is no conflict, the embodiments and features in the embodiments of the present invention can be combined with each other.

[0024] Example 1 In the field of medical settlement, existing combined payment methods lack the ability to handle scenarios involving multiple payment methods and still have technical problems, including: First, there's the issue of rounding accuracy discrepancies in cash payments. In medical settlements, cash payments require specific rounding rules to calculate the actual amount received, such as rounding to 0.5 yuan or rounding up to 1 yuan. If the cash payment amount is directly entered into the consolidated payment settlement statement, subsequent allocation to individual sub-settlement statements will lead to discrepancies in rounding accuracy because each sub-settlement statement's rounding calculation is performed independently. There was an issue with inconsistent amounts.

[0025] Secondly, there is the issue of spending strategy constraints associated with card payment methods. Card payments in medical settlements (such as patient cards, VIP cards, and physical examination cards) are subject to spending control strategies. Some cards can only pay for specific types of fees (such as medication fees), while the balance on some cards is insufficient to cover the entire cost. If card payment amounts are written into the consolidated payment settlement statement before allocation, the card spending strategy needs to be reassessed each time the amount to be paid for a single sub-settlement statement is calculated. This results in extremely high computational complexity and is prone to strategy conflicts.

[0026] Thirdly, there is the issue of the full payment characteristic of pre-authorized payments. Pre-authorized payments (such as inpatient pre-authorizations) must be paid in full according to the settlement statement and cannot be split into multiple sub-settlement statements for proportional allocation. If the pre-authorized amount is written into the consolidated payment settlement statement, the constraint that "pre-authorization must be paid in full for a certain settlement statement" cannot be met during subsequent allocation.

[0027] Fourthly, there's the issue of not allowing combined reimbursements. The medical insurance fund imposes strict single-reimbursement constraints on each reimbursement transaction: each reimbursement must correspond to a separate settlement statement, and each settlement statement can only be used for one reimbursement. This means that if a patient has multiple medical insurance reimbursement expenses, they cannot be combined into a single settlement statement for a one-time reimbursement. Instead, each expense must be split into a separate settlement statement, and each statement must be used for a separate reimbursement. This is due to the independent transaction constraints of the online medical insurance settlement system. The system requires each online settlement to correspond to a unique online settlement ID, which is bound to a single settlement statement. If multiple expenses are combined into one settlement statement for reimbursement, the system can only generate one online settlement ID, making it impossible to distinguish the reimbursement details of each expense, thus hindering medical insurance review and reimbursement traceability. Furthermore, medical insurance reimbursement involves calculating the deductible (threshold fee) and reimbursement ratio, parameters that are calculated independently for each reimbursement transaction. If multiple expenses are combined for reimbursement, the deductible only needs to be deducted once, potentially leading to patients receiving more than the stipulated reimbursement amount, violating the regulations for the use of medical insurance funds. When it's necessary to cancel a medical insurance reimbursement claim, the medical insurance system requires cancellation for each claim on a separate statement. If multiple claims are combined into one statement, cancellation must be performed on all claims at once; it's impossible to cancel a single claim individually, severely impacting operational flexibility. If claims involving different medical insurance reimbursement rules were split into independent statements, each statement could be processed separately, and each sub-statement could undergo independent online medical insurance settlement, obtaining a unique online settlement ID and supporting independent reimbursement calculations and cancellations. However, this splitting process results in patients facing multiple independent statements. If each statement is paid separately, patients need to scan codes and pay multiple times, leading to a poor user experience.

[0028] Fifth, there is the issue of consistency between the amounts in consolidated payment records and sub-settlement record records. In consolidated payment scenarios, payment platforms need to maintain the equation constraint that "payment amount = total payment amount". Ensuring that this equation always holds true when payment records for different methods are distributed across different levels (consolidated payment level vs. sub-settlement record level) remains a technical problem that has not yet been effectively solved.

[0029] In summary, the issue of consolidated payment in the medical settlement field needs to be addressed in order to both meet the medical insurance requirements of splitting expenses into multiple settlement bills for separate reimbursement and allow patients to complete the payment of all settlement bills with a single consolidated payment.

[0030] This invention provides a multi-level consolidated payment method that considers the characteristics of payment methods. The execution flow of the multi-level consolidated payment method is as follows: Figure 1-2 As shown, Figure 1 This is a flowchart of the method of the present invention. Figure 2The document illustrates the relationship between the consolidated payment settlement statement, the differentiated cost allocation algorithm engine, the payment method classification decision layer, the sub-settlement statement set, and the payment transaction mapping layer. It includes the following steps: S1: Receive the combined payment order request and obtain the target payment method and its characteristic information; Receive consolidated payment order requests, including: consolidated payment settlement statement identifier, payment method identifier, and total payment amount.

[0031] The consolidated payment settlement statement is linked to multiple sub-settlement statements, each with its own independent amount receivable, discount amount, additional charge amount, and amount already paid.

[0032] Based on the payment method identifier, the characteristic information of the payment method is obtained from the payment method configuration dictionary. The characteristic information includes: whether it is a card payment type (isCardPay), whether it is a cash payment type (isCashType), whether the standard code is a pre-authorized type (standardCode = PRE_AUTH), the rounding type (roundType), the rounding precision (roundNum), the card consumption strategy, etc.

[0033] S2: Classify the target payment method according to its characteristics; if the payment method is card payment, cash payment, or pre-authorization, perform differentiated allocation at the sub-settlement level; if the payment method is medical insurance reimbursement, refuse to place the order; if the payment method is other types, directly place the total payment amount into the consolidated payment settlement statement itself. Based on the characteristic information obtained from S1, the payment methods are classified and judged as follows: If the payment method is card payment, cash payment, or pre-authorization, then sub-settlement order level differentiated allocation will be performed; If the payment method is medical insurance reimbursement, the order will be rejected directly, and an error message will be displayed: "Settlement statements for combined payments cannot use medical insurance reimbursement payment methods." This is because medical insurance reimbursement requires each settlement statement to undergo independent online settlement, and they cannot be combined for reimbursement in combined payment scenarios. If the payment method is another type, the total payment amount will be directly placed into the consolidated payment settlement form itself, without any sub-settlement level differentiation allocation; other types include preferential payment, one-code payment, etc. Preferential payment and one-code payment will directly place the total payment amount into the consolidated payment settlement form itself, without any sub-settlement level allocation.

[0034] In this invention, medical insurance reimbursement types are excluded from the apportionment process of combined payment because the medical insurance pooling system requires each online settlement to correspond to a unique medical insurance online settlement ID, and each settlement statement can only be used for medical insurance reimbursement once. If medical insurance reimbursement were allowed to participate in combined payment, it would result in the merging of medical insurance reimbursements from multiple settlement statements into a single online settlement ID, making it impossible to distinguish the reimbursement details of each expense, and also making it impossible to support the cancellation of medical insurance reimbursements item by item on a settlement statement basis, which would violate the regulations on the use of medical insurance funds. Therefore, medical insurance reimbursement must be processed independently on each sub-settlement statement, and combined payment is only responsible for handling the out-of-pocket amount beyond medical insurance reimbursement.

[0035] S3: Traverse the set of sub-settlement orders, calculate the amount to be paid for each sub-settlement order, and select the corresponding allocation algorithm to calculate the allocation amount according to the payment method type; determine the current remaining allocation amount based on the remaining total allocation amount of the previous round and the allocation amount of the current sub-settlement order; after traversing all sub-settlement orders, if the current remaining total allocation amount is greater than zero, then append the current remaining total allocation amount to the allocation amount of the last sub-settlement order.

[0036] Retrieve all sub-settlement documents associated with the consolidated payment settlement document, and calculate the allocated amount for each sub-settlement document by calling the differentiated allocation algorithm in the order of the sub-settlement documents.

[0037] Iterate through the set of sub-settlement statements, calculate the amount due for each sub-settlement statement, and select the corresponding allocation algorithm based on the payment method type to calculate the allocated amount; specifically: For each sub-settlement statement, calculate its outstanding amount based on the total amount receivable, total discount amount, total additional charge amount, and amount already paid. : Outstanding amount = Total amount due - Total discount amount + Total additional charge - Amount already paid The amount already paid is the sum of all payment transactions on the sub-settlement statement that are in a state of "payment successful" or "revoked".

[0038] Then, the corresponding cost-sharing algorithm is selected according to the payment method type; the cost-sharing algorithms include: card payment cost-sharing algorithm, cash cost-sharing algorithm, and pre-authorization cost-sharing algorithm.

[0039] like Figure 3 As shown, the complete algorithm flow from receiving a payment request to returning a set of apportionment results is illustrated, including steps such as classifying and judging the characteristics of the payment method, selecting and executing three apportionment algorithms, and handling the remaining amount as a safety net.

[0040] like Figure 4 The diagram shows the payment method routing decision and amount calculation. The left side shows the judgment logic of the payment method routing decision, and the right side shows the amount calculation formula for each payment method.

[0041] S3.1 Card Payment Sharing Algorithm The query function checks the available balance and spending control policies of the card account corresponding to the payment method of the card payment type. The spending control policies include: matching rules between card type and fee type (e.g., a medical examination card can only be used to pay for medical examination fees), card balance limit constraints, and VIP card exclusive account constraints.

[0042] Based on the aforementioned spending control strategy, calculate the amount that the card is allowed to pay on the current sub-settlement statement, i.e., the available card balance; The amount allocated to the current sub-settlement statement for this payment method is determined based on the amount due, the available balance on the card, and the remaining total amount that can be allocated. It's important to note that the remaining distributable total amount is determined by the outstanding amount and the distributable amount. For example, if a sub-settlement has 100 yuan worth of saline solution, and 30 yuan has already been reimbursed (30 yuan has been paid via WeChat), then the remaining available amount is 100 - 30 - 30 = 40 yuan. If the card balance is less than or equal to 40 yuan, then the entire amount will be paid for this order. If there is still more than 40 yuan remaining, the excess amount can be paid for the next sub-settlement together, following the same calculation method as before.

[0043] For VIP card payment, the VIP card account ID is obtained through an independent account system, without relying on the patient's general card account; For the IntimatePay health checkup card payment method, the card account ID passed in from the front end is used as the payment account identifier, and it is not automatically matched through the consumption strategy.

[0044] S3.2 Cash Allocation Algorithm Obtain the rounding type of the cash payment method; the rounding type includes: HALF_UP, CEILING, DOWN, etc. Get the rounding precision (roundNum) for this cash payment method. The rounding precision is dynamically defined by the payment method configuration dictionary. Different payment methods can be configured with different rounding rules. For example, a precision of 0 means rounding to the integer part, a precision of 1 means rounding to 0.1 parts, a precision of -1 means rounding to 0.5 parts, etc. Based on the amount due, the rounding type, and the number of rounding precision digits, determine the theoretical allocation amount for this payment method to the current sub-settlement statement; specifically:

[0045] in, This represents the theoretical allocation amount for the current sub-settlement statement when cash payment is used. The amount due; This is a function that performs rounding calculations according to a specified precision and rounding type.

[0046] The minimum of the theoretically allocated amount and the remaining total allocated amount is used to determine the actual allocated amount for this payment method to the current sub-settlement statement; specifically:

[0047] in, The actual allocated amount for the current sub-settlement statement when cash payment is used; This represents the remaining total amortizable amount.

[0048] In this embodiment, the rounding type and the number of rounding precision digits are dynamically defined by the payment method configuration dictionary, and different rounding rules can be configured for different hospitals and different cash payment methods.

[0049] S3.3 Pre-authorization Allocation Algorithm The actual amount allocated to the current sub-settlement statement by the pre-authorized payment method is equal to the total amount receivable in the sub-settlement statement; that is, this payment method is a full payment and is not subject to the amount already paid.

[0050] The characteristic of pre-authorized payment is that it must be paid in full according to the settlement statement and cannot be mixed with other payment methods to share the same settlement statement.

[0051] Furthermore, after calculating the allocated amount for each sub-settlement bill, the current remaining allocated amount is determined based on the total remaining allocated amount from the previous round and the allocated amount for the current sub-settlement bill; specifically, the allocated amount for the sub-settlement bill is subtracted from the total remaining allocated amount.

[0052] in, This represents the total remaining distributable amount after each sub-settlement bill has been traversed. This represents the remaining amortizable total amount from the previous round; This is the apportioned amount for the current sub-settlement statement.

[0053] Furthermore, after iterating through all sub-settlement orders, if the current remaining total distributable amount is greater than zero, the current remaining total distributable amount is added to the distributable amount of the last sub-settlement order to cover any remaining undistributed amount.

[0054] The "backstop" refund process is essentially a refund process. Suppose there are three sub-invoices that combine into a single large invoice totaling 100 yuan. However, if the user actually pays 130 yuan through reimbursement, card payment, or other methods, the last sub-invoice will have 30 yuan more owed than it should have paid. The refund method for this 30 yuan is called a "backstop" refund. The cashier can decide how to refund this 30 yuan to the patient; if a refund to the original payment method is not possible, the patient can be paid in cash.

[0055] The fallback strategy does not block payment, allowing cashiers to subsequently cancel the excess amount separately, thus improving the user experience.

[0056] This invention avoids the problem of Σ(sub-settlement cash amount) ≠ total cash amount caused by rounding and redistribution after the consolidated settlement, by directly allocating cash payments to each sub-settlement statement and calculating them according to their respective rounding rules. This solves the problem of inconsistent amounts caused by differences in cash rounding accuracy.

[0057] This invention solves the complex calculation problem of card consumption strategies in combined transaction scenarios by directly allocating card payments to each sub-settlement order and independently calculating the available card amount and consumption strategy on each sub-settlement order.

[0058] This invention ensures that pre-authorized payments are always paid in full according to the settlement statement by directly writing the full amount of the pre-authorized payment into the sub-settlement statement, without being affected by the apportionment of other payment methods, thereby satisfying the full payment constraint of pre-authorized payments.

[0059] This invention excludes medical insurance reimbursement from the cost-sharing process of combined payment, ensuring that each sub-settlement statement is settled independently through the medical insurance network, obtaining an independent medical insurance network settlement ID. It supports reimbursement and cancellation on a statement-by-statement basis, complying with the regulations for the use of medical insurance funds. Simultaneously, combined payment handles the out-of-pocket amount beyond medical insurance reimbursement, satisfying medical insurance requirements while reducing the number of payment operations for patients, thus meeting the independent settlement constraints of medical insurance reimbursement.

[0060] S4: Encapsulate the allocated amount of each sub-settlement order into payment order parameters and initiate a payment order request.

[0061] Each sub-settlement order's allocated amount is encapsulated as an independent payment order parameter, which includes: sub-settlement order ID (businessId), allocated amount (amount), sub-settlement order transaction type code (tradeTypeCode), combined payment settlement order's payment transaction ID (parent transaction identifier) ​​(parentId), and combined payment settlement order ID (parentBusinessId).

[0062] Returns the set of payment order parameters, which the payment platform can use to initiate payment orders one by one.

[0063] The embodiments of the present invention also include: S5: After the payment order is placed, the payment flow of each sub-settlement order is associated with its parent payment flow on the combined payment settlement order to obtain a two-way mapping relationship between parent and child payment flows.

[0064] like Figure 5 The diagram shows the parent-child bidirectional mapping of consolidated payment transactions and the settlement process. It illustrates the differentiated routing and parent-child transaction establishment during the payment order placement stage, as well as the child transaction replication, split record storage, and equality constraint verification during the settlement stage.

[0065] After the payment order is placed, the payment flow of each sub-settlement order is associated with its parent payment flow on the combined payment settlement order through the ParentId field, forming a two-way mapping relationship between parent and child payment flows.

[0066] The embodiments of the present invention also include: S6: when all payments for the consolidated order are completed and the settlement process begins, a transaction consistency verification process is executed.

[0067] When the consolidated payment is settled, the payment transaction details of all sub-settlement statements are copied to the payment entity of the consolidated payment settlement statement, ensuring that the total transaction amount of the consolidated payment entity equals the total consolidated amount. The payment transaction details of each sub-settlement statement are associated with its parent payment transaction details on the consolidated payment settlement statement via the parentId field, forming a two-way mapping relationship between parent and child payment transactions. This two-way mapping relationship ensures the equality constraint of "Consolidated Payment Entity Amount = Total Payment Transaction Amount" upon settlement completion. Copying Sub-Transaction Records to the Consolidated Settlement: This copies the payment transaction records of all sub-settlement statements to the payment entity of the consolidated settlement statement, making the total transaction amount of the consolidated payment entity equal to the total amount of the consolidated statement. Complete sub-settlement orders one by one: In accordance with the order of the sub-settlement orders, call the settlement completion process of each sub-settlement order one by one; Split record storage: Based on the parent-child payment transaction relationship, the combined payment transaction is split into sub-settlement orders, generating split records and storing them persistently. The split records include: combined payment record ID, sub-settlement order ID, split amount, sub-settlement order payment record ID, and sub-settlement order payment transaction ID.

[0068] This invention ensures that the equation "the amount of the payment subject in the consolidated order = the total amount of payment transactions" always holds true through a three-stage mechanism of bidirectional mapping of parent and child payment transactions, copying child transaction data to consolidated orders, and splitting and storing records.

[0069] The method proposed in this invention allows cashiers to complete the settlement of multiple fees with just one consolidated payment operation, reducing repetitive operations and improving work efficiency and patient experience.

[0070] The following are examples provided by the present invention to illustrate the method of the present invention: 1.1 Scenario Description A patient incurred three expenses during an outpatient visit, as shown in Table 1: Table 1

[0071] Total payment for the consolidated order = 100.00 + 195.00 + 150.00 = 445.00; The cashier selects to use the following combination of payment methods: Payment via medical card: 200.00 yuan; Cash payment: 220.00 yuan; One-code payment: 25.00 yuan; 1.2 The cost-sharing process for medical card payments Steps S1-S2: Receive card payment order request, obtain medical card configuration information, determine "isCardPay=true", and proceed to sub-settlement order level differential allocation.

[0072] Step S3: Traverse the set of sub-settlement orders: Sub-settlement statement A: Amount due = 100.00 - 0.00 + 0.00 - 0.00 = 100.00; The available balance on the medical card is 200.00 yuan. Consumption control strategy: The medical card can be used to pay for all types of fees; Available card balance = min(200.00, spending policy allowed amount) = 200.00; The apportioned amount = min(100.00, 200.00, 200.00) = 100.00; Remaining distributable amount = 200.00 - 100.00 = 100.00; Sub-settlement statement B: Amount due = 195.00 - 0.00 = 195.00; Available balance on card = 100.00 (remaining balance); The apportioned amount = min(195.00, 100.00, 100.00) = 100.00; Remaining distributable amount = 100.00 - 100.00 = 0.00; Sub-settlement statement C: Amount to be allocated = 0 (the remaining amount to be allocated is already 0); S4: Remaining amount = 0, no guarantee required.

[0073] Step S5: Generate the payment order parameter set: Sub-settlement statement A: businessId=A, amount=100.00, parentId=P1 (card payment parent transaction record); Sub-settlement statement B: businessId=B, amount=100.00, parentId=P1 (card payment parent transaction record); 1.3 The apportionment process for cash payments Steps S1-S2: Receive cash payment order request, obtain cash configuration information, determine "isCashType=true", and proceed to sub-settlement order level differential allocation.

[0074] Cash configuration: "roundType=HALF_UP" (round to the nearest integer), "roundNum=0" (round to the nearest integer).

[0075] Step S3: Traverse the set of sub-settlement orders: Sub-settlement statement A: Amount paid = 100.00 (Payment already made via medical card); Amount due = 100.00 - 100.00 = 0.00; Shared amount = 0 (fully paid); Sub-settlement statement B: Amount paid = 100.00 (Payment already made via medical card); Outstanding amount = 195.00 - 100.00 = 95.00; The rounded amount = round(95.00, 0, HALF_UP) = 95.00 (already an integer); The apportioned amount = min(95.00, 220.00) = 95.00; The remaining apportionable amount = 220.00 - 95.00 = 125.00; Sub-settlement statement C: Amount due = 150.00 - 0.00 = 150.00; The rounded amount = round(150.00, 0, HALF_UP) = 150.00; The apportioned amount = min(150.00, 125.00) = 125.00; The remaining apportionable amount = 125.00 - 125.00 = 0.00; Step S6: Remaining amount = 0, no guarantee required.

[0076] Key effect verification: If cash payment is directly placed in the consolidated settlement statement (445.00 yuan), when it is subsequently allocated to each sub-settlement statement, the cash allocation for sub-settlement statement B is 95.00 (rounded), and the cash allocation for sub-settlement statement C is 150.00 (rounded). However, 95.00 + 150.00 = 245.00 ≠ 220.00 (total cash amount of the consolidated statement), resulting in an inconsistency. This invention, by directly performing rounding calculations at the sub-settlement statement level and cumulatively subtracting the remaining amount, ensures that the sum of the cash allocation amounts for each sub-settlement statement equals the total cash payment amount.

[0077] 1.4 The cost-sharing process of One-Code Payment Steps S1-S2: Receive the order request for One-Code Payment, determine if it is not a card payment, cash payment, or pre-authorization type, and directly place the order on the combined payment settlement form itself.

[0078] Order-level payment transaction record: businessId=orderID, amount=25.00, tradeTypeCode=OUT_SETTLE_COMBINE; Payment methods such as One-Code Payment do not require allocation to sub-settlement statements because they are not constrained by rounding precision or consumption strategies. They can be allocated by splitting records when settlement is completed.

[0079] 1.5 Ensuring consistency of transaction records upon completion of settlement Step S6: 1. Copying Sub-Transaction Records to the Combined Settlement Statement: Copy the card payment transaction record (100.00) of Sub-Settlement Statement A, the card payment transaction record (100.00) of Sub-Settlement Statement B, the cash flow record (95.00) of Sub-Settlement Statement B, and the cash flow record (125.00) of Sub-Settlement Statement C to the payment entity of the combined settlement statement.

[0080] 2. Complete each sub-settlement sheet one by one: Sub-settlement statement A: Card payment 100.00 → Complete; Sub-settlement B: Card payment 100.00 + Cash 95.00 → Complete; Sub-settlement C: Cash 125.00 + One-Code Payment Allocation 25.00 → Complete; 3. Records are stored in split form, as shown in Table 2: Table 2

[0081] Equation verification: Total transaction amount for combined payment = Card payment (200) + Cash (220) + One-code payment (25) = 445.00, no problem; Σ(Accounts Receivable Amount in Sub-Settlement Statement) = 100 + 195 + 150 = 445.00, no problem; The combined payment amount equals the total payment amount in the transaction log. No problem.

[0082] This invention provides a second related example to illustrate a specific calculation example of cash rounding accuracy differences: 2.1 Scenario Description A hospital's cash payment configuration: `roundType=HALF_UP` (rounding), `roundNum=0` (rounding to the nearest integer).

[0083] Three sub-settlement statements: Sub-settlement statement A: Accounts receivable = 32.30 yuan; Sub-settlement statement B: Accounts receivable = 33.40 yuan; Sub-settlement statement C: Accounts receivable = 34.30 yuan; Total amount of the combined order = 32.30 + 33.40 + 34.30 = 100.00 yuan, cash payment of 100.00 yuan.

[0084] 2.2 Problems with Traditional Solutions The traditional method places the cash order of 100.00 yuan directly into the consolidated settlement statement. When it is subsequently allocated to each sub-settlement statement, the cash allocation amount is calculated independently for each sub-settlement statement according to the rounding rules. Sub-settlement statement A: Cash allocation = round(32.30, 0, HALF_UP) = 32 (0.30 < 0.50, round down); Sub-settlement B: Cash Allocation = round(33.40, 0, HALF_UP) = 33 (0.40 < 0.50, round down); Sub-settlement C: Cash Allocation = round(34.30, 0, HALF_UP) = 34 (0.30 < 0.50, round down); Σ = 32 + 33 + 34 = 99 ≠ 100, indicating a discrepancy in the amounts.

[0085] The total cash payment for the consolidated order was 100.00 yuan, but after being allocated to various sub-settlement orders, the total was only 99.00 yuan, missing 1.00 yuan. This missing amount cannot be automatically assigned to any sub-settlement order and requires manual intervention for adjustment, which seriously affects settlement efficiency and accuracy.

[0086] The root cause of this problem is that rounding operations do not mathematically satisfy the property of additivity, i.e., round(a) + round(b) + round(c) ≠ round(a+b+c). As the number of sub-settlement documents increases, rounding errors accumulate, leading to a larger deviation between Σ (the rounded amount of each sub-settlement document) and the total cash amount of the consolidated documents.

[0087] 2.3 Solution of the Invention Step S3: Traverse the set of sub-settlement statements, using a "round first, then subtract" strategy: Sub-settlement statement A: Outstanding amount = 32.30; The rounded amount = round(32.30, 0, HALF_UP) = 32; The amount to be allocated = min(32, 100.00) = 32; Remaining distributable amount = 100.00 - 32 = 68.00; Sub-settlement statement B: Outstanding amount = 33.40; The rounded amount = round(33.40, 0, HALF_UP) = 33; The amount to be shared = min(33, 68.00) = 33; The remaining apportionable amount = 68.00 - 33 = 35.00; Sub-settlement statement C: Outstanding amount = 34.30; The rounded amount = round(34.30, 0, HALF_UP) = 34; The amount to be shared = min(34, 35.00) = 34; The remaining apportionable amount = 35.00 - 34 = 1.00; Step S6: Remaining amount = 1.00 > 0, append to the last sub-settlement statement C: Sub-settlement statement C's allocated amount = 34 + 1.00 = 35.00; Verification: 32 + 33 + 35 = 100.00 = Total cash amount for the consolidated order; This invention employs a "rounding first, then subtraction" strategy to ensure that the sum of the cash allocation amounts in each sub-settlement statement always equals the total cash payment amount. The remaining amount fallback mechanism concentrates rounding errors into the processing of the last sub-settlement statement, avoiding the problem of missing amounts not being properly attributed, while also allowing cashiers to subsequently cancel any overpayments separately.

[0088] This invention provides a third related example to illustrate a specific calculation example of card spending strategy constraints: 3.1 Scenario Description A patient has two expenses: Sub-settlement statement A: Drug expenses, receivable = 80.00 yuan; Sub-settlement statement B: Inspection fee, receivable = 120.00 yuan; Total order amount = 200.00 yuan, paid using medical examination card, medical examination card balance = 150.00 yuan.

[0089] Medical examination card payment strategy: The medical examination card can only be used to pay for examination fees, not for medication fees.

[0090] 3.2 Problems with Traditional Solutions The traditional method places the 150.00 yuan health check card directly into the consolidated bill, and then allocates it accordingly: Sub-settlement A (Medication Fee): Consumption strategy not allowed → 0 yuan allocated; Sub-settlement B (Inspection Fee): Consumption strategy allows → Share 150 yuan; However, the medical examination card transaction on the consolidated bill was 150 yuan, while sub-settlement bill B only used 120 yuan. The remaining 30 yuan could not be automatically allocated and required manual intervention.

[0091] 3.3 Solution of the Invention Step S3: Traverse the sub-settlement set: Sub-settlement statement A: Outstanding amount = 80.00; Checking the medical examination card's spending policy → Payment for medication is not allowed; Available balance on card = 0.00; The apportioned amount = min(80.00, 0.00, 150.00) = 0.00; Remaining distributable amount = 150.00 - 0.00 = 150.00; Sub-settlement statement B: Outstanding amount = 120.00; Check the medical examination card's spending policy → Allow payment for examination fees; Available card balance = min(150.00, spending policy allowed amount) = 150.00; The apportioned amount = min(120.00, 150.00, 150.00) = 120.00; The remaining apportionable amount = 150.00 - 120.00 = 30.00; Step S6: Remaining amount = 30.00 > 0, append to the last sub-settlement B: Sub-settlement B's allocated amount = 120.00 + 30.00 = 150.00; This invention precisely controls the allocation of card payments by independently calculating card spending strategies on each sub-settlement statement, avoiding the complexity of unified allocation at the consolidated statement level followed by strategy adjustments. The strategy of adding remaining amounts to the final sub-settlement statement allows cashiers to subsequently cancel any excess amounts individually, improving operational flexibility.

[0092] This invention provides a fourth related example to illustrate a specific calculation example for pre-authorized full payment: 4.1 Scenario Description A patient has two expenses: Sub-settlement statement A: Inpatient pre-authorization settlement, receivable = 5000.00 yuan; Sub-settlement statement B: Outpatient examination fee, receivable = 200.00 yuan; Total order amount = 5200.00 yuan, with 5000.00 yuan pre-authorized.

[0093] 4.2 The Solution of the Invention Step S3: Traverse the sub-settlement set: Sub-settlement statement A: Pre-authorized allocation amount = Total receivable amount of Sub-Settlement A = 5000.00 (full payment); Remaining distributable amount = 5000.00 - 5000.00 = 0.00; Sub-settlement statement B: Amount to be allocated = 0 (the remaining amount to be allocated is already 0); Pre-authorized payments must be made in full according to the settlement statement. This invention ensures full constraint on pre-authorized payments by setting the pre-authorized allocation amount as the total receivable amount of the sub-settlement statement (rather than the amount to be paid).

[0094] This invention provides a fifth related example to illustrate specific scenarios where medical insurance reimbursement cannot be included in combined payment: 5.1 Scenario Description A patient incurred three expenses during an outpatient visit, involving different medical insurance reimbursement rules, as shown in Table 3: Table 3

[0095] Medical insurance reimbursement calculations for each sub-settlement statement: Sub-settlement statement A: Medical insurance reimbursement amount = 100.00 × 60% = 60.00 yuan, out-of-pocket amount = 40.00 yuan; Sub-settlement statement B: Medical insurance reimbursement amount = 200.00 × 80% = 160.00 yuan, out-of-pocket amount = 40.00 yuan; Sub-settlement statement C: Medical insurance reimbursement amount = 0.00 yuan, out-of-pocket amount = 150.00 yuan; The patient's total out-of-pocket expenses = 40.00 + 40.00 + 150.00 = 230.00 yuan; 5.2 Issues regarding allowing medical insurance reimbursement to participate in combined payment schemes Assuming that medical insurance reimbursement is allowed to be included in the consolidated payment, the three expenses will be combined into one settlement statement for medical insurance reimbursement: Issue 1: Network Settlement ID Conflict: The medical insurance system can only generate one network settlement ID for the combined settlement statement, and cannot generate separate network settlement IDs for sub-settlement statement A (60% for general medical insurance) and sub-settlement statement B (80% for special disease medical insurance). Medical insurance auditors cannot distinguish between the two different reimbursement rules, resulting in incorrect reimbursement calculations.

[0096] Question 2: Reimbursement ratio calculation error: If the medical insurance system calculates the reimbursement amount uniformly at 60% of the standard medical insurance amount: (100+200) × 60% = 180.00 yuan, but the correct reimbursement amount should be 60+160=220.00 yuan, which is 40.00 yuan less.

[0097] If the medical insurance system calculates the reimbursement amount uniformly at 80% for special diseases: (100+200) × 80% = 240.00 yuan, but the correct reimbursement should be 220.00 yuan, which is 20.00 yuan more than the agreed amount, violating the regulations for the use of medical insurance funds.

[0098] Question 3: Cancellation Operations Are Inseparable: If a patient needs to return the medication in Sub-Settlement Statement B (refund of 200 yuan), the medical insurance reimbursement in Sub-Settlement Statement B (160 yuan) needs to be cancelled. However, since the three expenses are combined into one settlement statement, cancelling the medical insurance reimbursement must simultaneously cancel the medical insurance reimbursement in Sub-Settlement Statement A (60 yuan), resulting in the cancellation of the normal reimbursement in Sub-Settlement Statement A. The patient then needs to reapply for medical insurance reimbursement in Sub-Settlement Statement A, severely impacting operational efficiency and patient experience.

[0099] 5.3 Solution of the Invention Step S2: When the cashier selects the medical insurance reimbursement payment method on the consolidated payment interface, the system detects that the payment method is medical insurance reimbursement type (`MEDICAL_INSURANCE_PAY`), directly rejects the order, and throws an exception message: "The settlement statement for consolidated payment cannot use the medical insurance reimbursement payment method".

[0100] Medical insurance reimbursement is processed independently on each sub-settlement statement: Sub-settlement statement A: Independent medical insurance network settlement is conducted, obtaining network settlement ID1, medical insurance reimbursement of 60.00 yuan, and co-payment of 40.00 yuan; Sub-settlement statement B: Independent medical insurance network settlement, obtained network settlement ID2, medical insurance reimbursement of 160.00 yuan, and co-payment of 40.00 yuan; Sub-settlement statement C: No medical insurance reimbursement required, out-of-pocket payment of 150.00 yuan; After medical insurance reimbursement, the patient's total out-of-pocket expenses will be 40.00 + 40.00 + 150.00 = 230.00 yuan.

[0101] The cashier initiated a consolidated payment for the self-paid amount of 230.00 yuan, selecting cash payment for 230.00 yuan: Step S3: (Cash Sharing): Sub-settlement statement A: Amount to be paid = 40.00 (60 yuan has been reimbursed by medical insurance), rounded up = 40.00, apportioned = 40.00; Sub-settlement statement B: Amount to be paid = 40.00 (160 yuan has been reimbursed by medical insurance), rounded up = 40.00, apportioned = 40.00; Sub-settlement statement C: Amount due = 150.00, rounded = 150.00, allocated = 150.00; Verification: 40.00 + 40.00 + 150.00 = 230.00 = Total cash amount for the consolidated order; This invention ensures that each sub-settlement statement is independently settled through the medical insurance network by excluding medical insurance reimbursement from the consolidated payment process. Each sub-settlement statement receives a unique network settlement ID, supporting individual reimbursement and cancellation for each statement. Simultaneously, the consolidated payment process handles the out-of-pocket expenses beyond medical insurance reimbursement, allowing patients to settle all out-of-pocket amounts with a single consolidated payment. This satisfies medical insurance requirements while improving the patient's payment experience.

[0102] Example 2 This embodiment provides a multi-level consolidated payment system that considers the characteristics of payment methods, including: The consolidated payment settlement management module receives consolidated payment order requests and obtains the target payment method and its characteristic information; it then classifies the target payment methods according to their characteristic information. The differentiated allocation algorithm module iterates through the set of sub-settlement orders, calculates the amount to be paid for each sub-settlement order, and selects the corresponding allocation algorithm to calculate the allocated amount based on the payment method type. It determines the current remaining allocated amount based on the remaining allocated amount of the previous round and the allocated amount of the current sub-settlement order. After iterating through all sub-settlement orders, if the current remaining allocated amount is greater than zero, it appends the current remaining allocated amount to the allocated amount of the last sub-settlement order. The payment management module encapsulates the allocated amount of each sub-settlement order into payment order parameters and initiates a payment order request.

[0103] Example 3 This embodiment also provides an electronic device, including: one or more processors, one or more memories, and one or more computer programs; wherein, the processor is connected to the memory, and the one or more computer programs are stored in the memory. When the electronic device is running, the processor executes the one or more computer programs stored in the memory to cause the electronic device to perform the method described in Embodiment 1.

[0104] Example 4 This embodiment also provides a computer-readable storage medium for storing computer instructions, which, when executed by a processor, complete the method described in Embodiment 1.

[0105] The above description is merely a preferred embodiment of the present invention and is not intended to limit the invention. Various modifications and variations can be made to the present invention by those skilled in the art. 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 multi-level consolidated payment method considering the characteristics of payment methods, characterized in that, include: Receive a combined payment order request and obtain the target payment method and its characteristics; The target payment methods are classified according to their characteristic information; Iterate through the set of sub-settlement orders, calculate the amount to be paid for each sub-settlement order, and select the corresponding allocation algorithm according to the payment method type to calculate the allocated amount; determine the current remaining allocated amount based on the remaining total amount allocated in the previous round and the allocated amount of the current sub-settlement order. After traversing all sub-settlement orders, if the current remaining total distributable amount is greater than zero, then the current remaining total distributable amount is added to the distributable amount of the last sub-settlement order. The allocated amounts of each sub-settlement statement are encapsulated as payment order parameters, and a payment order request is initiated.

2. The multi-level consolidated payment method considering payment method characteristics according to claim 1, characterized in that, The combined payment order request includes: combined payment settlement statement identifier, payment method identifier, and total payment amount; the combined payment settlement statement is associated with multiple sub-settlement statements, and each sub-settlement statement has an independent amount due, discount amount, additional charge amount, and amount already paid.

3. The multi-level consolidated payment method considering payment method characteristics according to claim 1, characterized in that, The classification of target payment methods based on their characteristic information includes: If the payment method is card payment, cash payment, or pre-authorization, then sub-settlement order level differentiated allocation will be performed; If the payment method is medical insurance reimbursement, the order will be rejected. If the payment method is other types, the total payment amount will be directly added to the consolidated payment settlement form itself.

4. The multi-level consolidated payment method considering payment method characteristics according to claim 1, characterized in that, The process involves traversing the set of sub-settlement statements, calculating the amount due for each sub-settlement statement, and then selecting the appropriate allocation algorithm based on the payment method type to calculate the allocated amount. Specifically: For each sub-settlement statement, calculate its outstanding amount based on the total amount receivable, total discount amount, total additional charge amount, and amount already paid; The corresponding cost-sharing algorithm is selected based on the payment method type; the cost-sharing algorithms include: card payment cost-sharing algorithm, cash cost-sharing algorithm, and pre-authorization cost-sharing algorithm.

5. A multi-level consolidated payment method considering payment method characteristics according to claim 4, characterized in that, The card payment cost-sharing algorithm includes: The system queries the available balance and spending control policy of the card account corresponding to the payment method of the card payment type; based on the spending control policy, it calculates the amount that the card is allowed to pay on the current sub-settlement statement, i.e., the available card balance. Based on the amount due, the available balance on the card, and the remaining total amount to be allocated, determine the amount allocated to the current sub-settlement statement for this payment method.

6. A multi-level consolidated payment method considering payment method characteristics according to claim 4, characterized in that, The cash sharing algorithm includes: Obtain the rounding type and rounding precision bits for this cash payment method; The theoretical allocation amount for this payment method to the current sub-settlement statement is determined based on the amount to be paid, the rounding type, and the number of rounding precision digits. The minimum of the theoretically allocated amount and the remaining total allocated amount is used to determine the actual allocated amount of this payment method to the current sub-settlement statement; The actual amount allocated to the current sub-settlement by the pre-authorization allocation algorithm is equal to the total receivable amount of the sub-settlement.

7. A multi-level consolidated payment method considering payment method characteristics according to claim 1, characterized in that, Also includes: After the payment order is placed, the payment flow of each sub-settlement order is associated with its parent payment flow on the combined payment settlement order to obtain a two-way mapping relationship between parent and child payment flows; When all payments for the consolidated order are completed and the settlement process begins, a transaction consistency verification process is executed.

8. A multi-level consolidated payment system considering the characteristics of payment methods, characterized in that, include: The consolidated payment settlement management module receives consolidated payment order requests and obtains the target payment method and its characteristic information; it then classifies the target payment methods according to their characteristic information. The differentiated allocation algorithm module iterates through the set of sub-settlement orders, calculates the amount to be paid for each sub-settlement order, and selects the corresponding allocation algorithm to calculate the allocated amount based on the payment method type; it determines the current remaining allocated amount based on the remaining total amount allocated in the previous round and the allocated amount of the current sub-settlement order. After traversing all sub-settlement orders, if the current remaining total distributable amount is greater than zero, then the current remaining total distributable amount is added to the distributable amount of the last sub-settlement order. The payment management module encapsulates the allocated amount of each sub-settlement order into payment order parameters and initiates a payment order request.

9. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that: When the processor executes the computer program, it implements the steps of the method according to any one of claims 1-7.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, it implements the steps of the method described in any one of claims 1-7.

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