Financial transaction data processing method

Abstract

The invention relates to a financial transaction data processing method, and belongs to the technical field of data processing, and the method comprises the steps: obtaining the borrowing data of a financial transaction data processing system, judging that the borrowing data needs to be damaged, when a commercial tenant loans, judging whether the commercial tenant agrees to be damaged by a deposit system, and loaning the loan amount to a transaction account through a credit system, the deposit system records the offset amount; if the commercial tenant agrees to carry out loss rolling, calculating a loss rolling amount through a loss rolling strategy, if the loss rolling amount is greater than or equal to an offset amount, transferring the amount in the transaction account to a collection account of a financial institution, and after the financial institution receives the amount corresponding to the loss rolling amount, recording the borrowing data in the financial transaction data processing system as being posted. The data processing of the borrowing data is completed, the data of each borrowing data is processed, the future loaning is offset, the overdue borrowing data in the past is damaged, the data transaction period is shortened, and the user experience and the performance of a financial transaction data processing system are improved.

Description

Technical Field

[0001] The present invention relates to the technical field of data processing, and in particular to a method for processing financial transaction data. Background Art

[0002] Typically, in the consumer finance business model of loan scenarios in cooperation with education and medical beauty merchants, the existing financial transaction data processing system is often unable to determine whether the merchant has a default risk when the merchant makes a loan. As a result, when the merchant needs to continue to borrow from a financial institution, the IOU data is loaned to the merchant. When the IOU data is recorded in the financial transaction data system, due to the possible risk of the merchant, that is, the merchant does not have the ability or means to repay the IOU data in a timely manner, the IOU data only has a loan record but no repayment record, which makes it impossible for the financial transaction data processing system to perform accounting operations, and this business data cannot continue to be processed, resulting in the inability to complete the business operation.

[0003] In order to solve the above problems, the financial transaction data processing system provides a long-term loan compensation method, which can ensure the execution and processing of the system's loan business data every quarter. However, the data processed by this processing method is summarized and settled according to the loan data of each quarter, and cannot support processing operations on each loan data. There is a risk that the merchant will run away and the remaining loan data will not be processed in time, and it is easy to cause the data transaction cycle to be lengthened, which is not conducive to improving user experience and changing the performance of the financial transaction data processing system. Summary of the invention

[0004] In view of the shortcomings existing in the related technologies, the purpose of the present invention is to provide a method for processing financial transaction data to solve the technical problems that the existing technology cannot support the processing operation of each IOU data, there is a risk that the merchant will run away and the remaining IOU data will not be processed in time, and it is easy to cause the data transaction cycle to be lengthened, which is not conducive to improving the user experience and changing the performance of the financial transaction data processing system. This scheme is a scheme to recover the losses of past overdue IOUs by netting future loans. Whenever an IOU that meets the default conditions appears, the future IOU loans will be intercepted, thereby achieving the most efficient and lowest risk loss recovery scheme.

[0005] The present invention provides a method for processing financial transaction data, comprising the following steps:

[0006] S1. Obtaining IOU data from a financial transaction data processing system, determining whether the IOU data meets a default condition through a preset parameter, and if the default condition is met, determining that the IOU data needs to be recovered, and tracking the merchant's behavior based on the merchant information in the IOU data;

[0007] S2. When the merchant makes a loan, the credit system sends the merchant number and transaction account of the merchant to the margin system. The margin system uses the merchant number to check whether the merchant has signed a loss recovery agreement with a financial institution to determine whether the merchant agrees to recover the loss, and releases the loan amount to the transaction account through the credit system. At the same time, the margin system records the loan amount as the netting amount.

[0008] S3. If the merchant agrees to recover the loss, the loss recovery amount is calculated according to the default amount of the IOU data through the loss recovery strategy determined based on the loss recovery agreement, and it is determined whether the loss recovery amount is greater than or equal to the netting amount. If the loss recovery amount is greater than or equal to the netting amount, the amount corresponding to the loss recovery amount in the transaction account is transferred to the collection account of the financial institution. After the financial institution receives the amount corresponding to the loss recovery amount, the IOU data in the financial transaction data processing system is recorded as having been accounted for, and the IOU data processing is completed;

[0009] S4. The margin system automatically records the netting balance after deducting the loss recovery amount from the netting balance according to the loan note data, and determines whether the loss recovery balance remaining after the transaction account is transferred to the collection account is consistent with the netting balance recorded by the margin system; if the loss recovery balance is consistent with the netting balance, determine whether the value of the loss recovery balance and the netting balance is consistent with 0; if the value of the loss recovery balance and the netting balance is not 0, initiate a withdrawal request through the withdrawal interface of the transaction account to withdraw the loss recovery balance to the merchant's collection account.

[0010] The embodiment of the present invention determines whether each IOU data meets the default conditions, intercepts the merchant's IOU data through the merchant's next loan behavior, and offsets future loans, so as to recover the loss of each IOU data and recover the loss of past overdue IOUs. Whenever an IOU that meets the default conditions appears, future IOU loans will be intercepted, thereby achieving the most efficient and lowest-risk loss recovery plan. At the same time, it can enable the business corresponding to the IOU data in the financial transaction data processing system to be able to perform accounting operations, which is beneficial to improving the performance of the financial transaction data processing system.

[0011] In some embodiments of the present invention, the step S1 further comprises:

[0012] The preset parameters include the number of overdue days, the type of loan note data, the netting switch status and whether the interest subsidy is used, and the default condition is that the number of overdue days exceeds a preset value, the type of loan note data is a preset type, the netting switch status is on, and whether the interest subsidy is used is not used;

[0013] The netting switch state is to determine whether the default amount in the loan note data is greater than 0. If the default amount is greater than 0, the netting switch state is on;

[0014] When the IOU data satisfies the default condition, the loss recovery operation is performed on the IOU data in the order described.

[0015] The embodiment of the present invention determines whether the IOU data meets the default conditions by setting parameters, and sets the order of loss recovery of the IOU data by sequence, so as to complete the business corresponding to the IOU data of the financial transaction data processing system in an orderly manner. By recovering losses in the order of the largest number of overdue days, the smallest loss recovery amount, and the earliest loan release time, the transaction cycle of the data can be effectively shortened, which is beneficial to improving the user experience.

[0016] In some embodiments of the present invention, step S3 further comprises:

[0017] S31, calculating the default amount of the loan data through the repayment trial calculation interface in the credit system to obtain a trial amount, and calculating the loan data to obtain the amount of unused interest subsidy, and calculating according to the trial amount, the amount of unused interest subsidy and the loss recovery strategy to obtain the loss recovery amount;

[0018] S32. When the loss recovery amount is greater than or equal to the loan amount, a reserved amount corresponding to the default amount is reserved in the margin system, and the amount corresponding to the loss recovery amount in the trading account is transferred to the collection account of the financial institution, and then the reserved amount is released;

[0019] S33. Determine whether the merchant needs to collect the unused interest subsidies according to the loss recovery agreement. If the merchant needs to collect the unused interest subsidies, collect the unused interest subsidies to the merchant;

[0020] S34. Determine whether the merchant needs to reduce or waive interest charges based on the loss recovery agreement. If the merchant needs to reduce or waive interest charges, the interest charges are calculated through the interest calculation interface in the credit system and subtracted from the loss recovery amount.

[0021] The embodiment of the present invention can automatically recommend a suitable loss recovery strategy for the merchant through the loss recovery agreement signed by the merchant. The loss recovery strategy can automatically calculate the loss recovery amount based on whether the merchant needs to collect unused interest subsidies and whether the interest charges need to be reduced or exempted. That is, it can meet the merchant's own requirements based on the merchant's conditions, which is conducive to improving user experience and improving the performance of the financial transaction data processing system.

[0022] In some embodiments of the present invention, the step S4 further includes: if the loss recovery balance is inconsistent with the netting balance, triggering an account inconsistency warning, and sending the warning information to the financial institution.

[0023] The embodiment of the present invention can quickly respond to the IOU data by performing an early warning operation on the data that is not reconciled, so that the corresponding subsequent processing can be quickly performed to ensure the accuracy and timeliness of the notification. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the specific embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0025] Figure 1 A flowchart of a financial transaction data processing method provided by an embodiment of the present invention;

[0026] Figure 2 A flowchart of step S1 of a financial transaction data processing method provided by an embodiment of the present invention;

[0027] Figure 3 A flowchart of step S2 of a financial transaction data processing method provided by an embodiment of the present invention;

[0028] Figure 4 A flowchart of step S3 of a financial transaction data processing method provided by an embodiment of the present invention;

[0029] Figure 5 A flowchart of step S3 of another financial transaction data processing method provided by an embodiment of the present invention;

[0030] Figure 6 A flowchart of step S4 of a financial transaction data processing method provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0031] In order to make the purpose, technical solutions and advantages of the present application clearer, the present application is described and illustrated below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not intended to limit the present application. Based on the embodiments provided in the present application, all other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of the present application.

[0032] It should be noted that the terms used herein are only for describing specific embodiments and are not intended to limit the exemplary embodiments according to the present application. As used herein, unless the context clearly indicates otherwise, the singular form is also intended to include the plural form. In addition, it should be understood that the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0033] In the absence of conflict, the embodiments of the present invention and the features of the embodiments may be combined with each other.

[0034] Netting refers to the agreed-upon hedging of balances or liabilities between trading partners or participants in a system. Netting reduces a large number of individual transactions or liabilities to a smaller number of transactions or liabilities. Netting can be done in different ways, and the degree of legal enforcement of these methods varies in the event that one party loses its solvency. When clearing financial transactions (such as stocks, bonds, foreign exchange, futures, etc.), only the difference in quantity or amount between the two parties is settled, rather than the entire transaction amount. It has a wide range of application scenarios, such as securities trading, payment systems, foreign exchange trading, currency clearing, etc. In securities trading scenarios, if an investor makes multiple purchases and sales of the same security on the same trading day, netting means that only the net purchase or net sale amount is processed at the end of the day, rather than the amount of each individual transaction; in payment system scenarios, such as in banks or payment systems, netting involves offsetting the receivables and payables of the two parties at a specific point in time, and only the balance is processed; in foreign exchange trading systems, when participants make multiple purchases and sales of foreign currencies in a short period of time, netting involves combining these transactions and only delivering the net difference; in currency clearing scenarios, such as in multilateral clearing systems, multiple payments between multiple participants can be netted to reduce the number of payments, thereby improving efficiency and reducing liquidity requirements; the advantages of netting include reduced demand for capital flow, lower transaction costs and improved settlement efficiency. This process is an important part of the efficient operation of modern financial markets, especially in markets with large trading volumes.

[0035] The technical solution of the present invention is described in detail below in conjunction with specific embodiments and the accompanying drawings.

[0036] As attached Figure 1 As shown, in an exemplary embodiment of a financial transaction data processing method of the present invention, the following steps are included:

[0037] S1. Obtain the IOU data from the financial transaction data processing system, and determine whether the IOU data meets the default conditions through a preset parameter. If the default conditions are met, it is determined that the IOU data needs to be recovered, and the merchant's behavior is tracked according to the merchant information in the IOU data; optionally, the preset parameters are configured in I BOSS / Merchant Network Mirror.

[0038] S2. When a merchant makes a loan, the credit system sends the merchant number and transaction account of the merchant to the margin system. The margin system uses the merchant number to query whether the merchant has signed a loss recovery agreement with the financial institution to determine whether the merchant agrees to recover the loss, and releases the loan amount to the transaction account through the credit system. At the same time, the margin system records the loan amount as the netting amount. Optionally, the transaction account is the Baofu account system, which is a payment gateway system set up by financial institutions for merchants.

[0039] S3. If the merchant agrees to recover the loss, the loss recovery amount will be calculated based on the loss recovery strategy determined based on the loss recovery agreement according to the default amount of the IOU data, and it will be determined whether the loss recovery amount is greater than or equal to the netting amount. If the loss recovery amount is greater than or equal to the netting amount, the amount corresponding to the loss recovery amount in the transaction account will be transferred to the collection account of the financial institution. After the financial institution receives the amount corresponding to the loss recovery amount, the IOU data in the financial transaction data processing system will be recorded as having been entered into the account, and the IOU data processing is completed.

[0040] Based on the above method, by judging whether each IOU data meets the default conditions, and intercepting the merchant's IOU data through the merchant's next loan behavior, and offsetting future loans, the loss of each IOU data can be recovered, and the loss of past overdue IOUs can be recovered. Whenever an IOU that meets the default conditions appears, future IOU loans will be recovered, thereby achieving the most efficient and lowest-risk loss recovery plan. At the same time, it can enable the business corresponding to the IOU data in the financial transaction data processing system to be able to perform accounting operations, which is beneficial to improving the performance of the financial transaction data processing system.

[0041] Combined with reference Figure 2As shown, the preset parameters are configured in I BOSS / Merchant Network Mirror, and the loss recovery virtual user interface is opened in the payment gateway, wherein the preset parameters include the number of overdue days, the type of loan data, the netting switch status and whether the interest subsidy is occupied. The default condition is that the number of overdue days exceeds a preset value, the type of loan data is a preset type, the netting switch status is open, and whether the interest subsidy is occupied is not occupied; the netting switch status is to determine whether the default amount in the loan data is greater than 0. If the default amount is greater than 0, the netting switch status is open; if the default condition is met, the loan data that needs to be recovered will be summarized and counted in the merchant dimension, wherein the financial transaction data processing system will process the relevant loan data, including but not limited to: contract number, repayment mode, and store the processed relevant loan data in the database; the setting of preset parameters is the basis for the process operation, ensuring that subsequent operations can be performed based on the correct parameters;

[0042] The financial transaction data processing system will perform batch processing of the IOU data at the first preset time point, and calculate the total principal, interest, penalty interest, and early repayment fee based on the contract number and repayment mode through the repayment trial calculation interface of the credit system, update the repayable amount of the IOU data, calculate the unused interest subsidy, and record the total loss recovery amount according to the amount type. At this time, the status of the netting switch is determined by querying the amount in the transaction account, emphasizing data quality control to ensure the accuracy and reliability of the processed data. Big data technology is used to support data processing and calculation, and the margin system and payment gateway ensure the security and liquidity of funds. By setting parameters to determine whether the IOU data meets the default conditions, and setting the order of IOU data loss recovery by sequence, the business corresponding to the IOU data of the financial transaction data processing system can be completed in an orderly manner.

[0043] Combined with reference Figure 3As shown in the figure, when a merchant makes a loan, the credit system will send the contract number, merchant number, store number and transaction account to the margin system. The margin system will approve the loan based on the loan business. At this time, the margin system will first confirm whether the merchant has signed a loss recovery agreement based on the store number and transaction account. If the merchant has signed a loss recovery agreement, the credit system will perform a loan operation based on the store number and transaction account, and the loan amount will be loaned to the transaction account, and this operation will not be automatically withdrawn; if the merchant has not signed a loss recovery agreement, the loan amount loaned to the transaction account will be automatically returned to the credit system, that is, in the payment gateway link, the loan will be deducted to ensure the accuracy and security of financial transactions; through the collaborative work of the margin system, the credit system and the payment gateway, from querying the signing of the loss recovery agreement, approving the loan, recording the amount data, to the decision-making of the credit system, and then to the loan deduction operation of the payment gateway, each step is closely linked, jointly ensuring the security and accuracy of financial transactions; through this process, financial institutions can more effectively manage capital flow, reduce transaction risks, and improve customer experience.

[0044] Combined with reference Figure 4 As shown, when the merchant agrees to recover the loss of the loan data, the loss recovery process of the financial transaction data processing system will start at the second preset time point. First, the loss recovery and repayment order is determined. When the loan data meets the default conditions, the loss recovery operation is performed on the loan data in the order of the largest number of overdue days, the smallest loss recovery amount, and the earliest loan release time. This can effectively shorten the transaction cycle of the data and is conducive to improving user experience. The loss recovery amount is calculated by the loss recovery strategy determined based on the loss recovery agreement. First, the default amount of the loan data is calculated through the repayment trial calculation interface in the credit system to obtain the trial amount, and the loan data is calculated to obtain the amount of unused interest subsidy. If the remaining principal loss recovery strategy is selected according to the loss recovery strategy to calculate the loss recovery amount, then the loss recovery amount = settlement amount is calculated. The calculation is based on the formula of clearing trial amount - deducting unused interest subsidy - interest-free fee - unused interest subsidy - early settlement fee - red line difference. If the remaining unpaid loss recovery strategy is selected to calculate the loss recovery amount, the loss recovery amount is calculated according to the formula of clearing trial amount - unused interest subsidy - red line difference. The calculated loss recovery amount is compared with the loan amount. When the loss recovery amount is greater than or equal to the loan amount, it may be necessary to consider recovering the loss of the loan data with a smaller loss recovery amount first, reserve the amount corresponding to the default amount in the margin system, transfer the amount corresponding to the loss recovery amount in the trading account to the collection account of the financial institution, and send the transfer serial number, contract number, trading account number, collection account number, transfer amount and merchant information to the interface of the trading account.

[0045] Combined with reference Figure 5 As shown, the trading account will send the transfer result to the margin system.

[0046] If the transfer fails, the reserved amount will be released and the loss recovery process ends;

[0047] If the transfer is successful, it is determined whether the merchant needs to collect the unused interest subsidy according to the loss recovery agreement. If the merchant needs to collect the unused interest subsidy, the unused interest subsidy collection is initiated, and the unused interest subsidy amount and merchant information are sent to the transaction account. The unused interest subsidy is collected to the merchant. The transaction account returns the transfer result to the margin system. If the unused interest subsidy collection is successful, it is determined whether the merchant needs to reduce or waive interest fees according to the loss recovery agreement. If the merchant needs to reduce or waive interest fees, the interest fee is calculated through the interest calculation interface in the credit system, and the interest fee reduction request is submitted to the interest calculation interface in the credit system. Active repayment is initiated, and the loss recovery repayment method is sent to the repayment submission interface in the credit system. After repaying the calculated loss recovery amount, the repayment result is returned to the margin system. If the repayment is successful, the netting balance recorded in the margin system is updated, and the default amount and loss recovery amount of the loan data are updated.

[0048] If one of the netting balance and loss recovery amount is 0, no withdrawal operation will be performed.

[0049] If the repayment fails, a loss recovery cancellation request will be initiated to the trading account, and the original transfer serial number, contract number, trading account number, collection account number, and cancellation amount will be sent to the transfer cancellation interface of the trading account. The trading account will return the processing result to the margin system.

[0050] If the cancellation is successful, the reserved amount will be released and the withdrawal process will end.

[0051] If the cancellation fails, continue to execute the recovery cancellation request.

[0052] After the above steps, this embodiment can automatically recommend a suitable loss recovery strategy for the merchant through the loss recovery agreement signed by the merchant. The loss recovery strategy can automatically calculate the loss recovery amount based on whether the merchant needs to collect unused interest subsidies and whether interest charges need to be reduced or exempted. That is, it can meet the merchant's own requirements based on the merchant's conditions, which is conducive to improving user experience and improving the performance of the financial transaction data processing system.

[0053] Combined with reference Figure 6 As shown, the margin system automatically records the netting balance after deducting the loss recovery amount from the netting balance according to the loan data. The financial transaction data processing system queries the loss recovery balance remaining after the transaction account is transferred to the collection account according to the third preset time point, and determines whether the loss recovery balance is consistent with the netting balance recorded by the margin system.

[0054] If the loss recovery balance is consistent with the netting balance, determine whether the value of the loss recovery balance and the netting balance is 0. If the value of the loss recovery balance and the netting balance is 0, the withdrawal process is suspended or interrupted. If the value of the loss recovery balance and the netting balance is not 0, initiate a withdrawal request through the withdrawal interface of the trading account. The margin system sends the trading account, withdrawal amount, and merchant information to the withdrawal interface, and the withdrawal interface returns the withdrawal result.

[0055] If the loss recovery balance is inconsistent with the netting balance, an inconsistency warning will be triggered, and the warning information will be sent to the financial institution, ending the withdrawal process; the financial transaction data processing system will check whether the withdrawal is successful according to the second preset time point. If successful, the withdrawal process will be ended. If unsuccessful, the withdrawal process will continue until the third preset time point. At this time, the financial transaction data processing system directly returns to the final processing state and withdraws the loss recovery balance to the merchant's collection account, which will help with subsequent audits and problem tracking.

[0056] After the above steps, this embodiment can quickly respond to the IOU data by performing early warning operations on the inconsistent reconciliation data, so that the corresponding subsequent processing can be quickly carried out to ensure the accuracy and timeliness of the notification.

[0057] It should be noted that the above is a reference method for processing financial transaction data, and the present invention is not limited thereto.

[0058] In view of the shortcomings existing in the related technologies, the purpose of the present invention is to provide a method for processing financial transaction data to solve the technical problems that the existing technology cannot support the processing operation of each IOU data, there is a risk that the merchant will run away and the remaining IOU data will not be processed in time, and it is easy to cause the data transaction cycle to be lengthened, which is not conducive to improving the user experience and changing the performance of the financial transaction data processing system. This scheme is a scheme to recover the losses of past overdue IOUs by netting future loans. Whenever an IOU that meets the default conditions appears, the future IOU loans will be intercepted, thereby achieving the most efficient and lowest risk loss recovery scheme.

[0059] The embodiments of the present invention realize the judgment of whether each IOU data meets the default conditions, and intercepts the merchant's IOU data through the merchant's next loan behavior, and nets the future loan, so as to recover the loss of each IOU data and recover the loss of past overdue IOUs. Whenever an IOU that meets the default conditions appears, future IOU loans will be recovered, thereby achieving the most efficient and lowest-risk loss recovery plan. At the same time, it can enable the business corresponding to the IOU data in the financial transaction data processing system to perform account entry operations, which is beneficial to improving the performance of the financial transaction data processing system, and solves the technical problems that the existing technology cannot support the processing operation of each IOU data, there is a risk that the merchant runs away and the remaining IOU data cannot be processed in time, and it is easy to cause the data transaction cycle to be lengthened, which is not conducive to improving user experience and changing the performance of the financial transaction data processing system.

[0060] Finally, it should be noted that: the various embodiments in this specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments. The same or similar parts between the various embodiments can be referenced to each other.

[0061] The above embodiments are only used to illustrate the technical solution of the present invention rather than to limit it. Although the present invention has been described in detail with reference to the preferred embodiments, ordinary technicians in the field should understand that the specific implementation methods of the present invention can still be modified or some technical features can be replaced by equivalents without departing from the spirit of the technical solution of the present invention, which should be included in the scope of the technical solution for protection of the present invention.

Claims

1. A method for processing financial transaction data, characterized in that: The steps include: S1. Obtaining IOU data from a financial transaction data processing system, determining whether the IOU data meets a default condition through a preset parameter, and if the default condition is met, determining that the IOU data needs to be recovered, and tracking the merchant's behavior based on the merchant information in the IOU data; S2. When the merchant makes a loan, the credit system sends the merchant number and transaction account of the merchant to the margin system. The margin system uses the merchant number to check whether the merchant has signed a loss recovery agreement with a financial institution to determine whether the merchant agrees to recover the loss, and releases the loan amount to the transaction account through the credit system. At the same time, the margin system records the loan amount as the netting amount. S3. If the merchant agrees to recover the loss, the loss recovery amount is calculated according to the default amount of the IOU data through the loss recovery strategy determined based on the loss recovery agreement, and it is determined whether the loss recovery amount is greater than or equal to the netting amount. If the loss recovery amount is greater than or equal to the netting amount, the amount corresponding to the loss recovery amount in the transaction account is transferred to the collection account of the financial institution. After the financial institution receives the amount corresponding to the loss recovery amount, the IOU data in the financial transaction data processing system is recorded as having been accounted for, and the IOU data processing is completed.

2. The financial transaction data processing method according to claim 1, characterized in that: Also includes: S4. The margin system automatically records the netting balance after deducting the loss recovery amount from the netting balance according to the loan note data, and determines whether the loss recovery balance remaining after the transaction account is transferred to the collection account is consistent with the netting balance recorded by the margin system; if the loss recovery balance is consistent with the netting balance, determine whether the value of the loss recovery balance and the netting balance is consistent with 0; if the value of the loss recovery balance and the netting balance is not 0, initiate a withdrawal request through the withdrawal interface of the transaction account to withdraw the loss recovery balance to the merchant's collection account.

3. The financial transaction data processing method according to claim 1, characterized in that: The step S1 further includes: the preset parameters include the number of overdue days, the type of loan note data, the netting switch status and whether the interest subsidy is occupied, and the default condition is that the number of overdue days exceeds a preset value, the type of loan note data is a preset type, the netting switch status is open and whether the interest subsidy is occupied is not occupied.

4. The method for processing financial transaction data according to claim 3, characterized in that: The step S1 further includes: the netting switch state is to determine whether the default amount in the loan note data is greater than 0, and if the default amount is greater than 0, the netting switch state is open.

5. The method for processing financial transaction data according to claim 3, characterized in that: The step S1 further includes: when the IOU data meets the default condition, the IOU data is subjected to loss recovery operations in the order of the largest number of overdue days, the smallest loss recovery amount, and the earliest loan release time.

6. The method for processing financial transaction data according to claim 3, characterized in that: The step S3 further comprises: S31. Calculate the default amount of the IOU data through the repayment trial calculation interface in the credit system to obtain a trial amount, and calculate the IOU data to obtain the amount of unused interest subsidy, and calculate the loss recovery amount based on the trial amount, the amount of unused interest subsidy and the loss recovery strategy.

7. The method for processing financial transaction data according to claim 6, characterized in that: The step S3 further comprises: S32. When the loss recovery amount is greater than or equal to the loan amount, an amount corresponding to the default amount is reserved in the margin system, and the amount corresponding to the loss recovery amount in the trading account is transferred to the collection account of the financial institution, and then the reserved amount is released.

8. The method for processing financial transaction data according to claim 7, characterized in that: The step S3 further comprises: S33. Determine whether the merchant needs to aggregate the unused interest subsidies according to the loss recovery agreement. If the merchant needs to aggregate the unused interest subsidies, the unused interest subsidies will be aggregated to the merchant.

9. The method for processing financial transaction data according to claim 8, characterized in that: The step S3 further comprises: S34. Determine whether the merchant needs to reduce or waive interest charges based on the loss recovery agreement. If the merchant needs to reduce or waive interest charges, the interest charges are calculated through the interest calculation interface in the credit system and subtracted from the loss recovery amount.

10. The financial transaction data processing method according to claim 2, characterized in that: The step S4 further includes: if the loss recovery balance is inconsistent with the netting balance, triggering an account inconsistency warning, and sending the warning information to the financial institution.

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