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