A backend architecture method for aggregate payment, the method being applied to a backend architecture system for aggregate payment; the backend architecture system comprising: an access frontend, a relay server, and a transaction node; and the method comprising: acquiring, by the access frontend, transaction information from a client, wherein the transaction information comprises location information of the client; assigning, by the relay server, based on the location information, the transaction information to a transaction node that has jurisdiction over the location information by: matching, based on a service type of the transaction information, an assignment rule in an assignment list, such that requests for a same service type from a same client are processed by a same transaction node; acquiring, according to the assignment rule, information of a usage state of a matched transaction node; in response to the usage state of the transaction node meeting the first predetermined condition, assigning, based on the location information, the transaction information to the transaction node that has jurisdiction over the location information, wherein the transaction node is a transaction center within a specified region in a distributed transaction system, and wherein the information of the usage state is a current traffic ratio and operation parameters of the transaction node, and the assignment rule comprises: setting transaction information of which payment objects are banks of a first country, transaction information of which payment objects are banks of other countries, and transaction information of which payment objects are non-bank third-party payment platforms to be processed by different transaction nodes respectively; matching, by the transaction node, according to the transaction node, a channel gateway in a channel docking layer that pre-establishes a connection relationship with the transaction node, and sending a transaction request in the transaction information to a transaction object over the matched channel gateway such that the transaction object processes the transaction request; and acquiring, by the transaction node, a transaction result from the transaction object, and transmitting information of the transaction result to the client. acquiring, by the access frontend, transaction information from a client, wherein the transaction information comprises location information of the client; assigning, by the relay server, based on the location information, the transaction information to a transaction node that has jurisdiction over the location information by: matching, based on a service type of the transaction information, an assignment rule in an assignment list, such that requests for a same service type from a same client are processed by a same transaction node; acquiring, according to the assignment rule, information of a usage state of a matched transaction node; in response to the usage state of the transaction node meeting the first predetermined condition, assigning, based on the location information, the transaction information to the transaction node that has jurisdiction over the location information, wherein the transaction node is a transaction center within a specified region in a distributed transaction system, and wherein the information of the usage state is a current traffic ratio and operation parameters of the transaction node, and the assignment rule comprises: setting transaction information of which payment objects are banks of a first country, transaction information of which payment objects are banks of other countries, and transaction information of which payment objects are non-bank third-party payment platforms to be processed by different transaction nodes respectively; matching, by the transaction node, according to the transaction node, a channel gateway in a channel docking layer that pre-establishes a connection relationship with the transaction node, and sending a transaction request in the transaction information to a transaction object over the matched channel gateway such that the transaction object processes the transaction request; and acquiring, by the transaction node, a transaction result from the transaction object, and transmitting information of the transaction result to the client.