CN113469662A

CN113469662A - Electronic bidding insurance service method

Info

Publication number: CN113469662A
Application number: CN202110827311.5A
Authority: CN
Inventors: 黄玲丹; 赵刚; 曹琪
Original assignee: Shaanxi Zhongkong Puhui Information Technology Co ltd
Current assignee: Shaanxi Zhongkong Puhui Information Technology Co ltd
Priority date: 2021-07-21
Filing date: 2021-07-21
Publication date: 2021-10-01

Abstract

The invention relates to the technical field of computers, and discloses an electronic bidding insurance service method. The invention provides a technical scheme for realizing the flow services of electronic bid insurance on-line issuing, signing, downloading and the like based on a computer technology, namely, the on-line service flows of separated application, material approval, insurance issuance, downloading and the like of the electronic bid insurance can be completed through information interaction and processing with a bid transaction activity center, a guarantee agency end, a bank end and the like, the on-line purpose of the flow on-line issuing of the electronic bid insurance and the like can be further realized, the electronic insurance can be adopted to replace cash deposit, the on-line check is convenient, the paperless application scene requirements are met, the promotion of full-flow electronization of bid and improvement of a bid guarantee mode are facilitated, and the practical application and popularization are facilitated.

Description

Electronic bidding insurance service method

Technical Field

The invention belongs to the technical field of computers, and particularly relates to an electronic bidding insurance service method.

Background

An electronic insurance Certificate is a legally effective guarantee Certificate that is issued by an insurer to a beneficiary via a computer network, using a data message electronically signed by a CA (Certificate Authority) Certificate as a medium. The electronic insurance policy is generally applied by the insured person to the insurer through the computer network, and the insurer uses the CA certificate to electronically sign the data message for the purpose of providing insurance for the insured person, and opens the guarantee electronic credit certificate with legal effectiveness to the beneficiary through the computer network as the medium. The electronic insurance policy is a product of information age, and like the paper insurance policy, the bank, insurance company, guarantee company or other guarantors opens an electronic guarantee voucher to beneficiaries at the request of policyholder, so that the guarantors can fulfill certain payment or economic compensation responsibility within a certain amount and a certain time limit when the applicants fail to fulfill their responsibility or obligation according to the agreement between both parties.

The bid insurance is a written guarantee generally provided by a bank, which is required to be submitted by a bidder when submitting a bid document and is provided by the bidder together, for ensuring that the bidder cannot withdraw the bid document in the bid transaction and the bidder cannot justify the bid document after winning the bid. However, in the current bidding transaction activities (such as public resource transaction activities), the bidding guarantee of each bidder is mainly cash bidding guarantee or paper insurance policy issued by a bank, which not only occupies the limited fund flow of the bidder, but also has the problems that counterfeiting and loss of the paper insurance policy cannot be guaranteed.

Disclosure of Invention

In order to solve the problems that the tender guarantee cannot guarantee the counterfeiting and the paper insurance loss occurs in the current tender transaction activity, the invention aims to provide an electronic tender insurance service method, a device, computer equipment and a computer readable storage medium, which can realize the online purpose of opening the electronic tender insurance and other flow paths through the information interaction and processing with a tender transaction activity center, a guarantee agency end, a bank end and the like, adopt the electronic insurance to replace cash insurance, facilitate online check, meet the requirements of paperless application scenes, facilitate the promotion of the whole tender flow electronization and the improvement of the tender guarantee mode, and facilitate the practical application and popularization.

In a first aspect, the present invention provides an electronic bidding insurance service method, including:

receiving an electronic insurance issuing application initiated by a bidder from a bidding transaction center, wherein the content of the electronic insurance issuing application comprises bidding section information, bidder information and insurance product information specified by the bidder;

generating an insurance application order according to the content of the electronic insurance application, wherein the insurance application order comprises insurance information and the information of the bidder, the insurance information comprises a bank and an insurance amount, the bank is appointed in the insurance product information, and the insurance amount is equal to the guarantee amount in the bidding section information;

when the insurance letter open mode appointed in the insurance letter product information is a separated insurance letter open mode, calculating to obtain the insurance money according to the insurance money and the insurance fee charging rate/and the minimum insurance fee charging amount corresponding to the guarantee mechanism appointed in the insurance letter product information;

pushing a first payment request carrying the premium amount to the tendering and bidding transaction center so that the bidder responds to the first payment request at the tendering and bidding transaction center and pays funds equal to the premium amount to the guaranty institution;

after receiving payment success information which comes from the bidding transaction center and responds to the first payment request, pushing the insurance application order to a guarantee agency end corresponding to the guarantee agency, so that the guarantee agency end can examine and approve the insurance application order, generating a first electronic file to be signed according to the insurance application order after the examination and approval is passed, then pushing the insurance application order and the first electronic file to be signed to a bank end corresponding to the handling bank, further enabling the bank end to examine and approve the insurance application order, and locking an application contract on the first electronic file to be signed with an electronic signature after the examination and approval is passed to obtain a first electronic bidding insurance policy;

receiving the first electronic bidding insurance issued by the bank terminal;

and pushing the first electronic bid insurance letter to the bid transaction center so as to feed back to the bidder.

Based on the invention, a technical scheme for realizing the flow services of electronic bid insurance on-line issuing, signing, downloading and the like based on a computer technology is provided, namely, the on-line service flows of separated application, material approval, insurance issuance, downloading and the like of the electronic bid insurance can be completed through information interaction and processing with a bid transaction activity center, a guarantee agency end, a bank end and the like, the on-line purpose of the flow on-line issuing of the electronic bid insurance and the like can be further realized, the electronic insurance can be adopted to replace cash deposit, the on-line check is convenient, the paperless application scene requirements are met, the promotion of full-flow electronization of bid and improvement of the bid guarantee mode are facilitated, and the practical application and popularization are facilitated.

In one possible design, before calculating the premium amount based on the premium amount and the rate of collection of the premium and/or the minimum amount of collection of the premium corresponding to the guaranty institution specified in the premium product information, the method further comprises:

acquiring the current remaining credit line granted to the guarantee institution by the bank;

judging whether the current remaining credit limit is smaller than the premium amount;

if yes, feeding back insurance coverage application failure information to the bidding transaction center so that the bidder can appoint another guarantee institution in the insurance coverage product information again and update the electronic insurance coverage to open an application.

In one possible design, after receiving payment success information from the bidding transaction center and in response to the first payment request and before receiving the first electronic bid envelope issued by the bank end, the method further comprises:

receiving an electronic insurance application initiated by the bidder from the bidding trading center, wherein the content of the electronic insurance application contains insurance-reimbursement materials corresponding to the insurance application order;

pushing the insurance application order to the guarantee agency end so that the guarantee agency end judges whether the insurance application order is pushed to the bank end before receiving the first electronic bidding insurance letter, if not, stopping examining and approving the insurance application order, then examining and approving the insurance application order, stopping examining and approving the insurance application order after the examination and approval are passed, feeding back first insurance cancellation completion indication information after the insurance application order completes the line and paying for the insurance, and if so, examining and approving the insurance application order, feeding approval termination indication information to the bank end after the approval is passed, and further so that the bank end stops examining and approving the insurance application order before applying an agreement lock to add an electronic signature, and feeding back termination confirmation indication information after the approval termination;

after receiving the first refund completion indication information or second refund completion indication information fed back by the guarantor mechanism end, feeding back the successful information of the refund application to the bidding transaction center, wherein the second refund completion indication information is fed back after the guarantor mechanism end receives the termination confirmation indication information and completes the line-down refund payment action.

In one possible design, after receiving the first electronic bid envelope issued by the bank terminal, the method further includes:

updating the current remaining credit line to a new value obtained by subtracting the insurance amount;

judging whether the new quota value is smaller than a preset quota threshold value;

if yes, a prompt message for indicating that the credit limit is about to be insufficient is pushed to the guarantee mechanism end.

In one possible design, after the first electronic bid envelope is pushed to the bidding transaction center, the method further includes:

when the insurance bond expiration time in the insurance bond information arrives, acquiring the current remaining credit line granted to the guarantee mechanism by the bank, and then updating the current remaining credit line into a new value added with the insurance bond amount;

or, receiving an electronic insurance policy cancellation application from the bidding transaction center and initiated by the bidder after bid opening, wherein the content of the electronic insurance policy cancellation application comprises cancellation event materials corresponding to the insurance policy information;

pushing the logout affair materials to the guarantee mechanism end so that the guarantee mechanism end can examine and approve the logout affair materials, pushing the logout affair materials to the bank end after the examination and approval is passed, further enabling the bank end to examine and approve the logout affair materials, and feeding back logout completion indication information after the examination and approval is passed;

and after receiving the logout completion indication information fed back by the bank terminal, acquiring the current remaining credit line granted to the guarantee mechanism by the bank, and then updating the current remaining credit line into a new value added with the insurance bond amount.

updating the state of the insurance application order to be an out-of-insurance state;

receiving an electronic insurance claim settlement application which is sent by a tenderer after the tenderer wins the bid from the bidding transaction center, wherein the content of the electronic insurance claim settlement application comprises claim settlement material corresponding to the insurance application order;

the claim settlement matter is pushed to the guarantee mechanism end, so that the guarantee mechanism end examines and approves the claim settlement matter, the claim settlement matter is pushed to the bank end through the material after the examination and approval are passed, and further, the bank end examines and approves the claim settlement matter, and feeds back claim settlement completion indication information after the examination and approval are passed and a claim settlement payment action under a line is completed;

after receiving the indication information of claim settlement completion fed back by the bank terminal, updating the state of the insurance application order into a state of settled claims, and feeding back information of success of claim settlement application to the bidding transaction center.

In one possible design, the method further includes:

when the insurance bond opening mode designated in the insurance bond product information is a direct-opening insurance bond opening mode, pushing a second payment request carrying the insurance bond amount to the bidding transaction center, so that the bidder responds to the second payment request in the bidding transaction center and pays funds equal to the insurance bond amount to the bank;

after receiving payment success information which comes from the bidding transaction center and responds to the second payment request, pushing the insurance policy application order to a bank end corresponding to the handling bank, so that the bank end can examine and approve the insurance policy application order, and applying an agreement lock to add an electronic signature on a second electronic file to be signed generated according to the insurance policy application order after the examination and approval are passed, so as to obtain a second electronic bidding insurance policy;

receiving the second electronic bidding insurance issued by the bank terminal;

and pushing the second electronic bid insurance letter to the bid transaction center so as to feed back to the bidder.

In a second aspect, the invention provides an electronic bidding insurance service device, which comprises an application receiving module, an order generating module, a premium calculating module, a payment pushing module, an order pushing module, an insurance receiving module and an insurance pushing module;

the application receiving module is used for receiving an electronic insurance issuing application initiated by a bidder from a bidding transaction center, wherein the content of the electronic insurance issuing application comprises bidding section information, bidder information and insurance product information specified by the bidder;

the order generating module is in communication connection with the application receiving module and is used for generating an insurance application order according to the content of the electronic insurance application issuing application, wherein the insurance application order comprises insurance information and the information of the bidder, the insurance information comprises an issuing bank and an insurance amount, the issuing bank is specified in the insurance product information, and the insurance amount is equal to the guarantee amount in the bidding section information;

the premium calculation module is in communication connection with the application receiving module and is used for calculating premium amount according to the premium amount and the premium charging rate/minimum premium charging amount corresponding to the guarantee mechanism specified in the insurance product information when the insurance opening mode specified in the insurance product information is a separated insurance opening mode;

the payment pushing module is in communication connection with the premium calculation module and is used for pushing a first payment request carrying the premium amount to the tendering and bidding transaction center, so that the bidder responds to the first payment request at the tendering and bidding transaction center and pays funds equal to the premium amount to the guaranty mechanism;

the order pushing module is in communication connection with the order generating module and is used for pushing the insurance policy application order to a guarantee agency end corresponding to the guarantee agency after payment success information which comes from the bidding transaction center and responds to the first payment request is received, so that the guarantee agency end can examine and approve the insurance policy application order, a first electronic file to be signed is generated according to the insurance policy application order after the examination and approval is passed, then the insurance policy application order and the first electronic file to be signed are pushed to a bank end corresponding to the bank under the office, the bank end can examine and approve the insurance policy application order, and an electronic signature is added to the first electronic file to be signed by applying a contract lock after the examination and approval is passed, so that a first electronic bidding insurance policy is obtained;

the insurance receiving module is used for receiving the first electronic bidding insurance issued by the bank terminal;

and the insurance letter pushing module is in communication connection with the insurance letter receiving module and is used for pushing the first electronic bidding insurance letter to the bidding transaction center so as to feed back to the bidding party.

In a third aspect, the present invention provides a computer device, comprising a memory, a processor and a transceiver, which are sequentially connected in communication, wherein the memory is used for storing a computer program, the transceiver is used for transmitting and receiving messages, and the processor is used for reading the computer program and executing the electronic bidding insurance service method according to the first aspect or any one of the possible designs of the first aspect.

In a fourth aspect, the present invention provides a computer readable storage medium having stored thereon instructions which, when run on a computer, perform the electronic bid insurance service method as described above in the first aspect or any one of the possible designs of the first aspect.

In a fifth aspect, the present invention provides a computer program product comprising instructions which, when run on a computer, cause the computer to perform the method of electronic bid insurance service as described above in the first aspect or any one of the possible designs of the first aspect.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is a flow chart illustrating an electronic bidding insurance service method provided by the present invention.

Fig. 2 is a schematic structural diagram of an electronic bidding insurance service apparatus according to the present invention.

Fig. 3 is a schematic structural diagram of a computer device provided by the present invention.

Detailed Description

The invention is further described with reference to the following figures and specific embodiments. It should be noted that the description of the embodiments is provided to help understanding of the present invention, but the present invention is not limited thereto. Specific structural and functional details disclosed herein are merely representative of exemplary embodiments of the invention. This invention may, however, be embodied in many alternate forms and should not be construed as limited to the embodiments set forth herein.

It will be understood that, although the terms first, second, etc. may be used herein to describe various objects, these objects should not be limited by these terms. These terms are only used to distinguish one object from another. For example, a first object may be referred to as a second object, and similarly, a second object may be referred to as a first object, without departing from the scope of example embodiments of the present invention.

It should be understood that, for the term "and/or" as may appear herein, it is merely an associative relationship that describes an associated object, meaning that three relationships may exist, e.g., a and/or B may mean: a exists alone, B exists alone or A and B exist at the same time; for the term "/and" as may appear herein, which describes another associative object relationship, it means that two relationships may exist, e.g., a/and B, may mean: a exists singly or A and B exist simultaneously; in addition, for the character "/" that may appear herein, it generally means that the former and latter associated objects are in an "or" relationship.

As shown in fig. 1, the electronic bid insurance service method provided in the first aspect of the present embodiment may be executed by, but not limited to, a cloud server of an electronic device (for example, a server, a desktop computer, a laptop computer, a smartphone, or the like) communicatively connected to a bid transaction center, a guarantee agency terminal, a bank terminal, or the like, so as to achieve the purpose of online implementation of a process such as online opening of an electronic bid insurance. The electronic bid insurance service method may include, but is not limited to, the following steps S1 to S7.

S1, receiving an electronic insurance issuing application initiated by a bidder from a bidding transaction center, wherein the content of the electronic insurance issuing application includes but is not limited to bidding section information, bidder information, insurance product information specified by the bidder and the like.

In step S1, the bid/bid transaction center is an existing network device for implementing the purposes of on-line bid/bid of the bidder, for providing the on-line bid/bid transaction service for the bidder and the bidder, for example, the network device is an APP (Application program, abbreviation of Application) server or a Web server (i.e., a website server, which can process the request of a Web client such as a browser and return a corresponding response through a program residing on a computer of a certain type on the internet), so that the user can perform operations such as on-line bid/bid after logging in to the APP client or the Web client. The electronic insurance letter application can be initiated by the tenderer through human-computer interaction operation on the APP client or the Web client, and specific initiating modes can include, but are not limited to: the method comprises the steps of firstly, importing bidding section information issued by a tenderer into a preset application template on an APP client or a Web client, filling in the tenderer information and selecting specific contents in the insurance product information (such as a selected insurance letter opening mode, a bank handling line and a guarantee agency and the like), establishing to obtain an electronic insurance letter opening application, and then submitting the electronic insurance letter opening application so as to transfer the electronic insurance letter opening application to a local cloud server through a bidding transaction center. In addition, the banner information includes, but is not limited to, an item type, an item name, an item number, a banner name, a banner number, a guarantee amount, a tenderer name, a unified social credit code of the tenderer, a business address of the tenderer, opening time and term, and the like; the information of the bidder includes but is not limited to the name, business address, unified credit code, enterprise type, registered capital, business license due date, sponsor mobile phone number, legal representative, legal identity card number, legal mobile phone number, business license image, legal ID card front and back image, etc. of the bidder; the insurance product information includes, but is not limited to, product name, product description, insurance opening mode (i.e. split insurance opening mode/direct insurance opening mode), insurance institution differentiated proportion, minimum amount of premium charge and rate of premium charge, etc., and the specific content and selection range in the insurance product information can be but is not limited to, agreed in advance through a channel cooperation agreement between a local service provider and a host of the bidding transaction center.

S2, generating an insurance application order according to the content of the electronic insurance application, wherein the insurance application order comprises but is not limited to insurance information, bidder information and the like, the insurance information comprises but is not limited to an operating bank, insurance amount and the like, the operating bank is appointed in the insurance product information, and the insurance amount is equal to the guarantee amount in the bidding section information.

In step S2, the insurance application order may further include, but is not limited to, an order number, an order state, and/or an application time, so as to perform full-cycle management and query display on the insurance application order, where the order number is used to uniquely mark the insurance application order and may be generated by a conventional method, the order state is used to mark a current state of the insurance application order and may be initially in an admission state during generation, and the application time may be a submission time or a reception time of the electronic insurance application. The insurance policy information can also include but is not limited to the content of insurance policy number, guarantee institution, bank commission rate, insurance amount, risk exposure condition, insurance policy opening time and/or insurance policy expiration time, etc., so as to record the detail of the opened electronic bidding insurance policy, and the content can be empty when the insurance application order is generated and updated according to the actual content of the electronic bidding insurance policy after the electronic bidding insurance policy is obtained subsequently. In addition, before step S2, the content of the electronic insurance application may be automatically checked based on preset checking rules, and if the key information is found to be deficient, the corresponding prompt information may be fed back to the bidding transaction center, so that the bidder may update the content of the electronic insurance application on line, and generate the insurance application order according to the content of the electronic insurance application after the checking is passed.

And S3, when the insurance opening mode appointed in the insurance product information is a separated insurance opening mode, calculating to obtain the insurance amount according to the insurance amount and the insurance fee charging rate/and the minimum insurance fee charging amount corresponding to the guarantee mechanism appointed in the insurance product information.

In step S3, the separable insurance policy is an insurance policy that the insured party applies to the bank by a third party (i.e., a security company, a security institution, or the like), and therefore the security institution must be specified in the insurance product information. The premium amount is calculated in a conventional manner, that is, when the minimum premium charge amount does not exist, the product of the premium amount and the premium charge ratio is the premium amount; and when the minimum premium charge amount exists, if the product of the premium amount and the premium charge ratio is greater than the minimum premium charge amount, the product of the premium amount and the premium charge ratio is the premium amount, otherwise, the minimum premium charge amount is the premium amount. In addition, based on the same calculation mode, the payment amount can be calculated according to the insurance amount and the bank payment rate corresponding to the handling bank.

In step S3, considering that a limited credit line is defined in a guarantee cooperation agreement previously established by a guarantee agency and an office bank, and the credit line gradually decreases as the guarantee service received by the guarantee agency increases, in order to ensure that the currently selected guarantee agency can receive the current bid guarantee and promote the success rate of the subsequent application of the insurance policy, it is preferable that the method further includes, but not limited to, the following steps S31 to S33 before calculating the insurance fee amount based on the insurance fee amount and the minimum premium charge rate/minimum premium charge amount corresponding to the guarantee agency specified in the insurance product information.

And S31, acquiring the current remaining credit line granted to the guarantee institution by the office bank.

In step S31, the initial value of the current remaining credit line may be obtained by inputting the basic information of the security agency according to the security cooperation agreement when registering the basic information of the security agency, and then updated in real time on the local cloud server according to the order status of all the insurance policy application orders corresponding to the security agency.

And S32, judging whether the current remaining credit limit is smaller than the amount of the insurance bond.

And S33, if so, feeding back insurance coverage application failure information to the bidding transaction center so that the bidder specifies another insurance agency in the insurance coverage product information again, and updating the electronic insurance coverage opening application.

In step S33, since the remaining credit line is smaller than the insurance amount, which indicates that the currently selected guarantee agency is likely to violate the insurance cooperation agreement due to the over-exhaustion of the credit line after receiving the current bid guarantee, and the subsequent insurance application fails, the guarantee agency can be replaced in time by feeding back the insurance application failure information, thereby ensuring meaningful proceeding of the subsequent steps.

And S4, pushing a first payment request carrying the premium amount to the tendering and bidding transaction center, so that the bidder responds to the first payment request at the tendering and bidding transaction center and pays funds equal to the premium amount to the guaranty institution.

In step S4, the specific payment method of the bidder is a conventional offline payment method, for example, a payment action is completed based on a third party payment platform such as a paypal platform or a wechat platform. In order to update the order status of the insurance application order accurately in real time, the order status may be updated to a status to be paid after the first payment request is pushed. In addition, if the handling amount is calculated, the handling amount may be carried in the first payment request, so that the bidder may pay the funds equal to the handling amount to the guaranty institution.

And S5, after receiving payment success information which comes from the bidding transaction center and responds to the first payment request, pushing the insurance application order to a guarantee agency end corresponding to the guarantee agency, so that the guarantee agency end can approve the insurance application order, generate a first electronic file to be signed according to the insurance application order after approval is passed, then pushing the insurance application order and the first electronic file to be signed to a bank end corresponding to the handling bank, further enabling the bank end to approve the insurance application order, and applying an agreement lock to add an electronic signature on the first electronic file to be signed after approval is passed, thereby obtaining a first electronic bidding insurance.

In step S5, the security agency side is a worker operation side of the security agency, so that the examination and approval, the generation of the electronic document to be signed, and other procedures can be completed through human-computer interaction with workers; when the local cloud server is an APP server or a Web server, the guarantee mechanism end is an APP client or a Web client, so that the staff can perform man-machine interaction operation after logging in. And carrying out a specific process of examining and approving the insurance application order at the guarantee agency side, wherein the specific process can be a flow automatic examination and approval process according to a preset wind control model, or a manual examination and approval process, calling a conventional generation protocol interface after the examination and approval process is passed, and generating the first electronic file to be signed according to the insurance application order. Specifically, the first electronic document to be signed may include, but is not limited to, a consignment contract, an insurance application, an insurance agreement, and the like.

In step S5, the bank end is an operator operation end of the bank, so as to complete procedures such as approval and sealing of the electronic document to be signed through human-computer interaction with an operator; when the local cloud server is an APP server or a Web server, the bank side is an APP client side or a Web client side, so that the salesman can perform man-machine interaction operation after logging in. And carrying out a concrete process of examining and approving the insurance application order at the bank end, or carrying out a process automatic examination and approval or a manual examination and approval according to a preset wind control model, and after the examination and approval is passed, applying a contract lock to add an electronic signature on the first electronic file to be signed to obtain a first electronic bidding insurance letter. The contract lock is an electronic contract signing cloud platform, mainly provides an electronic contract for a client at the B end, and provides the electronic contract with the same legal effectiveness as a paper contract, and the general flow is as follows: a contract document to be signed is uploaded by a contract initiator, and the document enters a database of a 'contract lock' and is stored in an encrypted form; after the issued object is selected, the issued object is reminded in the modes of short messages, WeChat and the like containing links, and a signing party can complete signing operation by using a mobile phone after clicking the links or directly complete the process by using a 'contract lock' App end. As for the electronic signature, a 'two-signing' mode can be adopted through three-party confirmation, namely, the bidder and the guarantee agency reach two-party agreement, and the guarantee agency reach two-party agreement with the handling bank, wherein the electronic signature used by the bidder and the guarantee agency can transfer the 'contract lock' of the bank CA provider for confirmation and solution due to the mutual confirmation problem. In addition, in order to update the order state of the insurance application order in real time and accurately, the order state may be updated to a paid state after the payment success information is received, and the order state may be updated to an in-approval state after the insurance application order is pushed.

And S6, receiving the first electronic bidding insurance letter issued by the bank terminal.

In step S6, the first electronic bid amount may be directly transferred from the bank or transferred via the guaranty agency. The guarantee agency terminal may pay the fund equal to the commission amount to the bank after receiving the first electronic bid security. In addition, in order to update the order state of the insurance application order accurately in real time, the order state can be updated to the issued letter state after the first electronic bidding insurance is received.

After the step S6, in order to timely remind the guaranty organization that the credit line may be about to be insufficient, the method further includes, but is not limited to, the following steps S61 to S64: s61, obtaining the current remaining credit line granted to the guarantee mechanism by the bank; s62, updating the current remaining credit line to a new value obtained by subtracting the amount of the insurance bond; s63, judging whether the new quota value is smaller than a preset quota threshold value or not; and S64, if yes, pushing prompt information for indicating that the credit limit is about to be insufficient to the guarantee mechanism end. The credit limit threshold may be, but not limited to, a zero value or a value greater than zero, so as to prompt the guaranty organization to promote the credit limit in time (for example, a recharge promotion mode) by using a comparison result between the new credit limit value and the credit limit threshold as a prompt basis.

And S7, pushing the first electronic bidding insurance letter to the bidding trading center so as to feed back to the bidder.

In step S7, the first electronic bidding insurance may be automatically pushed after being received, or may be pushed in response to the request of the bidder, so that the final downloading of the electronic bidding insurance may be completed. In addition, if receiving the approval failure indication information from the guarantee agency end or the bank end, the approval failure indication information can be fed back to the bidding transaction center so as to inform the bidder in time that the electronic insurance letter application fails; and when the guarantee agency terminal sends or receives the approval failure indication information from the bank terminal, the guarantee agency terminal can perform an offline refund payment action and refund funds equal to the premium amount/the commission fee amount to the bidder.

Therefore, based on the electronic bid insurance service method described in the foregoing steps S1 to S7, a technical solution is provided for implementing the flow services such as online opening, issuance, downloading and the like of the electronic bid insurance based on a computer technology, that is, through information interaction and processing with a bid transaction center, a guarantee agency end, a bank end and the like, online service flows such as separate application, material approval, insurance issuance, downloading and the like of the electronic bid insurance can be completed, and further the purpose of online implementation of the flow paths such as online opening of the electronic bid insurance can be achieved.

This embodiment further provides a possible design of how to apply for the refund on-line halfway, based on the technical solution of the first aspect, that is, after receiving the payment success information from the bidding transaction center and responding to the first payment request and before receiving the first electronic bid insurance issued by the bank end, the method further includes, but is not limited to, the following steps S501 to S503.

S501, receiving an electronic insurance letter application from the bidding and bidding trading center and initiated by the bidder, wherein the content of the electronic insurance letter application contains the insurance policy material corresponding to the insurance application order.

In step S501, the refund event material may include, but is not limited to, an order number of the insurance application order, so as to achieve binding correspondence with the insurance application order.

S502, the insurance policy making affair is pushed to the insurance policy making mechanism end, so that the insurance policy making mechanism end judges whether the insurance policy making application order is pushed to the bank end before receiving the first electronic bidding insurance policy, if not, the approval of the insurance policy making application order is stopped, then the insurance policy making affair is approved, and the approval of the insurance policy making application order is stopped after the approval is passed, and first insurance policy making finishing indication information is fed back after the payment action of the insurance policy making application is finished, if yes, the insurance policy making affair is approved, and the approval ending indication information is pushed to the bank end after the approval is passed, further, so that the bank end stops the approval of the insurance policy making application order before the electronic signing seal by applying the agreement lock, and the ending confirmation indication information is fed back after the approval is ended.

In the step S502, the vouching institution side or the bank side may also perform a process automatic approval or a manual approval on the material of the issue of the rebate according to a preset wind control model. If the examination and approval is passed, the guarantee agency terminal can carry out off-line guarantee refund payment action, and refund funds equal to the premium amount/the commission fee amount to the bidder; and if the approval fails or the electronic signature is added by the contract lock, the information of the insurance revocation failure indication is fed back, and at the moment, any form of off-line insurance revocation payment action is not carried out.

And S503, after receiving the first refund completion indication information or second refund completion indication information fed back by the guarantor mechanism end, feeding back the successful information of the refund application to the bidding transaction center, wherein the second refund completion indication information is fed back after the guarantor mechanism end receives the termination confirmation indication information and completes the line-down refund payment action.

Therefore, based on the possible design one described in the foregoing steps S501 to S503, the flow service of applying for the refund on line in the middle of the approval process can be performed, which is further beneficial to the purpose of realizing the online purpose of opening the electronic bid insurance on line. In addition, in order to update the order status of the insurance application order accurately in real time, the order status may be updated to the retired status after receiving the first or second instruction information for completion of the retirement.

In this embodiment, on the basis of the first aspect or the first possible design solution, a second possible design of how to passively cancel the separated electronic bid insurance is provided, that is, after the first electronic bid insurance is pushed to the bidding transaction center, the method further includes, but is not limited to, the following steps: and when the insurance bond expiration time in the insurance bond information arrives, acquiring the current remaining credit line granted to the guarantee mechanism by the office bank, and then updating the current remaining credit line into a new value added with the insurance bond amount. Through the specific mode, when the first electronic bidding insurance letter is cancelled passively, the credit line of the guarantee mechanism can be released automatically so as to take over the next bidding guarantee service and guarantee the normal operation of the guarantee mechanism. In addition, in order to update the order state of the insurance application order accurately in real time, the order state may be updated to a cancelled state when the insurance expiration time in the insurance information arrives.

Therefore, based on the second possible design described in the previous step, when the first electronic bidding insurance policy is passively cancelled, the credit line of the guarantee agency can be automatically released so as to accept the next bidding guarantee service and guarantee the normal operation of the guarantee agency.

In this embodiment, on the basis of the first aspect or the first possible design, another possible design of how to actively cancel the separated electronic bid insurance is provided, that is, after the first electronic bid insurance is pushed to the bidding transaction center, the method further includes, but is not limited to, the following steps S81 to S83.

S81, receiving an electronic insurance letter cancellation application which is from the bidding transaction center and is initiated by the bidder after bid opening, wherein the content of the electronic insurance letter cancellation application comprises cancellation event materials corresponding to the insurance letter information.

In step S81, the logout event material may include, but is not limited to, an order number of the insurance application order or an insurance number of the insurance information, so as to achieve binding correspondence with the insurance information.

S82, pushing the logout affair materials to the guarantee mechanism end so that the guarantee mechanism end can examine and approve the logout affair materials, pushing the logout affair materials to the bank end after the examination and approval are passed, and further enabling the bank end to examine and approve the logout affair materials and feeding back logout completion indication information after the examination and approval are passed.

In step S82, the warranty agency side or the bank side may also perform a process automatic approval or a manual approval on the logout event material according to a preset wind control model. If the approval fails, the cancellation approval failing indication information is fed back so as to inform the bidder that the cancellation application fails.

S83, after receiving the logout completion indication information fed back by the bank terminal, acquiring the current remaining credit line granted to the guarantee mechanism by the bank, and then updating the current remaining credit line into a new value added with the amount of the insurance bond.

Therefore, based on the third possible design described in the foregoing steps S81-S83, not only the active electronic bid insurance letter cancellation flow service can be performed after the letter is issued, which is further beneficial to the online purpose of opening the electronic bid insurance letter and other flow processes, but also the credit limit of the guarantee agency can be automatically released when the first electronic bid insurance letter is actively cancelled, so as to accept the next bid guarantee service and guarantee the normal operation of the guarantee agency. In addition, in order to update the order state of the insurance application order accurately in real time, the order state may be updated to a cancelled state when the cancellation completion indication information is received.

In this embodiment, on the basis of the first aspect and the technical solutions that may be designed in the first, second or third aspects, a fourth possible design of how to settle a claim on a separated electronic bid insurance policy is provided, that is, after the first electronic bid insurance policy is pushed to the bid transaction center, the method further includes, but is not limited to, the following steps S91 to S94.

And S91, updating the state of the insurance application order into an issued letter state.

And S92, receiving an electronic insurance claim settlement application which is sent by a tenderer after the tenderer wins the bid from the bidding trading center, wherein the content of the electronic insurance claim settlement application comprises claim settlement materials corresponding to the insurance claim settlement order.

In step S92, the claim material may include, but is not limited to, the order number of the insurance application order or the insurance number of the insurance information, so as to achieve binding correspondence with the insurance application order.

And S93, pushing the claim issue materials to the guarantee mechanism end so that the guarantee mechanism end can examine and approve the claim issue materials, pushing the claim issue materials to the bank end after the examination and approval is passed, and further enabling the bank end to examine and approve the claim issue materials and feeding back claim completion indication information after the examination and approval is passed and a claim payment action under line is completed.

In step S93, the warranty agency or the bank side may also perform a process automatic examination and approval or a manual examination and approval on the claim settlement material according to a preset wind control model. If the examination and approval is passed, the bank end can carry out offline claim settlement and payment, and funds equal to the insurance amount are paid to the tenderer; and if the examination and approval is failed, the claim failure indication information is fed back, and no offline claim payment action in any form is performed.

And S94, after receiving the indication information of claim settlement completion fed back by the bank terminal, updating the state of the insurance application order into a claim settled state, and feeding back the information of successful claim settlement application to the bidding transaction center.

Therefore, based on the possible design four described in the foregoing steps S91 to S94, the electronic bidding insurance claim settlement flow service can be performed after the letter is issued, which is further beneficial to the purpose of realizing online processing such as online opening of electronic bidding insurance. In addition, after the indication information of claim settlement completion fed back by the bank end is received, the credit line of the guarantee institution is not released at the moment due to the successful completion of the claim settlement action, so that the benefits of the bank party are guaranteed.

In this embodiment, on the basis of the first aspect and the technical solution that may be designed as one, two, three or four, a fifth possible design for how to make a letter to the open electronic bidding letter is provided, that is, the method further includes, but is not limited to, the following steps S101 to S104.

S101, when the insurance bond opening mode appointed in the insurance bond product information is a direct-opening insurance bond opening mode, a second payment request carrying the insurance bond amount is pushed to the bidding transaction center, so that the bidder responds to the second payment request in the bidding transaction center and pays the fund equal to the insurance bond amount to the bank.

And S102, after receiving payment success information which comes from the bidding transaction center and responds to the second payment request, pushing the insurance policy application order to a bank end corresponding to the handling bank, so that the bank end can examine and approve the insurance policy application order, and applying a contract lock to add an electronic signature on a second electronic file to be signed generated according to the insurance policy application order after the examination and approval is passed, thereby obtaining a second electronic bidding insurance policy.

S103, receiving the second electronic bidding insurance letter issued by the bank terminal.

And S104, pushing the second electronic bid insurance letter to the bid transaction center so as to feed back to the bidder.

The specific processes of the steps S101 to S104 can be derived directly by referring to the steps S3 to S7, which are not described herein again. For the specific process of the midway online refund and claim settlement performed by the second electronic bidding insurance letter, the derivation can also be obtained by referring to the technical schemes of the first and fourth possible designs, which are not described herein again. In addition, the local cloud server can also respond to the requests of the guarantee agency terminal or the bank terminal, such as query requests and/or statistical requests, and feed back order details of the queried insurance policy application order and statistical results based on all the order details; and also can carry on the management of the channel information (include specifically but not limited to channel code, channel name, channel type, channel state, bank of business, contact name and mobile phone number and insurance product information, etc.) and carry on the management of the customer information (include specifically but not limited to enterprise name, enterprise address, unified credit code, enterprise type, registration capital, business license due date, business name, business person's mobile phone number, legal person's representative name, legal person's identity card number, legal person's mobile phone number, business license image and legal person's identity card positive and negative image, etc.) to the said tendering and bidding trading center; and the guarantee agency terminal or the bank terminal can be assigned with authority roles, so that the practicability of the electronic bidding insurance service method in the embodiment is improved.

As shown in fig. 2, a second aspect of the present embodiment provides a virtual device for implementing the electronic bidding insurance service method according to any possible design in the first aspect or the first aspect, including an application receiving module, an order generating module, a premium calculating module, a payment pushing module, an order pushing module, an insurance receiving module, and an insurance pushing module;

For the working process, working details and technical effects of the foregoing device provided in the second aspect of this embodiment, reference may be made to the first aspect or any possibly designed electronic bidding insurance service method in the first aspect, which is not described herein again.

As shown in fig. 3, a third aspect of the present embodiment provides a computer device for executing the electronic bid insurance service method according to any possible design of the first aspect or the first aspect, comprising a memory, a processor and a transceiver, which are sequentially and communicatively connected, wherein the memory is used for storing a computer program, the transceiver is used for transceiving a message, and the processor is used for reading the computer program and executing the electronic bid insurance service method according to any possible design of the first aspect or the first aspect. For example, the Memory may include, but is not limited to, a Random-Access Memory (RAM), a Read-Only Memory (ROM), a Flash Memory (Flash Memory), a First-in First-out (FIFO), and/or a First-in Last-out (FILO), and the like; the transceiver may be, but is not limited to, a WiFi (wireless fidelity) wireless transceiver, a bluetooth wireless transceiver, a GPRS (General Packet Radio Service) wireless transceiver, and/or a ZigBee (ZigBee protocol, low power consumption local area network protocol based on ieee802.15.4 standard) wireless transceiver, etc.; the processor may be, but is not limited to, a microprocessor of the model number STM32F105 family. In addition, the computer device may also include, but is not limited to, a power module, a display screen, and other necessary components.

For the working process, working details and technical effects of the foregoing computer device provided in the third aspect of this embodiment, reference may be made to the first aspect or any possible design of the electronic bidding insurance policy service method in the first aspect, which is not described herein again.

A fourth aspect of the present embodiments provides a computer-readable storage medium storing instructions including the electronic bidding insurance service method according to the first aspect or any possible design of the first aspect, that is, the computer-readable storage medium storing instructions thereon, which, when executed on a computer, perform the electronic bidding insurance service method according to the first aspect or any possible design of the first aspect. The computer-readable storage medium refers to a carrier for storing data, and may include, but is not limited to, floppy disks, optical disks, hard disks, flash memories, flash disks and/or Memory sticks (Memory sticks), etc., and the computer may be a general-purpose computer, a special-purpose computer, a computer network, or other programmable devices.

The working process, working details and technical effects of the foregoing computer-readable storage medium provided in the fourth aspect of this embodiment may be referred to the first aspect or any possible design of the method for servicing an electronic bidding insurance policy in the first aspect, and are not described herein again.

A fifth aspect of the present embodiments provides a computer program product comprising instructions which, when run on a computer, cause the computer to perform the electronic bid insurance service method as claimed in the first aspect or any of the possible designs thereof. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable devices.

Finally, it should be noted that the present invention is not limited to the above alternative embodiments, and that various other forms of products can be obtained by anyone in light of the present invention. The above detailed description should not be taken as limiting the scope of the invention, which is defined in the claims, and which the description is intended to be interpreted accordingly.

Claims

1. An electronic bidding insurance service method, comprising:

receiving the first electronic bidding insurance issued by the bank terminal;

2. The electronic bidding premium service method according to claim 1, wherein before calculating the premium amount based on said premium amount and the premium collection rate and/or the premium collection minimum amount corresponding to the guaranty institution specified in said premium product information, said method further comprises:

3. The electronic bid insurance service method of claim 1, wherein after receiving payment success information from the bidding transaction center and in response to the first payment request and before receiving the first electronic bid insurance issued by the bank, the method further comprises:

4. The electronic bid insurance service method of claim 1, wherein after receiving the first electronic bid insurance issued by the bank terminal, the method further comprises:

5. The electronic bid insurance service method of claim 4, wherein after pushing the first electronic bid insurance to the bidding transaction center, the method further comprises:

6. The electronic bid insurance service method of claim 1, wherein after pushing the first electronic bid insurance to the bidding transaction center, the method further comprises:

7. The electronic bidding insurance service method of claim 1, wherein said method further comprises:

receiving the second electronic bidding insurance issued by the bank terminal;

8. An electronic bidding insurance service device is characterized by comprising an application receiving module, an order generating module, an insurance premium calculating module, a payment pushing module, an order pushing module, an insurance receiving module and an insurance push module;

9. A computer device comprising a memory, a processor and a transceiver communicatively connected in sequence, wherein the memory is used for storing a computer program, the transceiver is used for transmitting and receiving messages, and the processor is used for reading the computer program and executing the electronic bidding insurance service method according to any one of claims 1 to 7.

10. A computer-readable storage medium having stored thereon instructions for performing the electronic bidding insurance service method according to any one of claims 1 to 7 when the instructions are executed on a computer.