CN109767362A - Letter of guarantee generation method, guarantee platform, letter of guarantee generate system and readable storage medium storing program for executing - Google Patents
Letter of guarantee generation method, guarantee platform, letter of guarantee generate system and readable storage medium storing program for executing Download PDFInfo
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- CN109767362A CN109767362A CN201910035220.0A CN201910035220A CN109767362A CN 109767362 A CN109767362 A CN 109767362A CN 201910035220 A CN201910035220 A CN 201910035220A CN 109767362 A CN109767362 A CN 109767362A
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Abstract
The invention discloses a kind of letter of guarantee generation method, guarantee platform, letters of guarantee to generate system and readable storage medium storing program for executing, the method comprising the steps of: after receiving insurer's information that guarantee platform is sent and the associated materials that attachment before the institution of an action is put on record, auditing insurer's information and the associated materials；If the associated materials and insurer's information generate electronic insurance policy by audit, and export the corresponding insurer of insurer's information described in signature information alert and sign the electronic insurance policy；When determining electronic insurance policy described in insurer's signed, and when the premium of the electronic insurance policy is in paid state, letter of guarantee is generated.This invention simplifies letters of guarantee to handle process, improves letter of guarantee and handles efficiency, and go to guarantee agency to handle letter of guarantee due to not needing letter of guarantee applicant, reduces letter of guarantee and handle cost.
Description
Technical field
The present invention relates to technical field of data processing more particularly to a kind of letter of guarantee generation method, guarantee platform, letter of guarantee to generate
System and readable storage medium storing program for executing.
Background technique
When applicant applies for attachment before the institution of an action, if applicant can not tender guarantee, object is assured, law court can not found attachment before the institution of an action
Case.At this point, applicant can go guarantee agency's application to handle letter of guarantee.After applicant successfully applies to letter of guarantee, applicant can will
The letter of guarantee sends to law court, and law court is then allowed to found attachment before the institution of an action case according to the letter of guarantee.It follows that current letter of guarantee handles needs
Applicant goes to guarantee agency, and letter of guarantee handles that process is cumbersome, and letter of guarantee handles inefficiency.
Summary of the invention
The main purpose of the present invention is to provide a kind of letter of guarantee generation method, guarantee platform, letters of guarantee to generate system and readable
Storage medium, it is intended to solve existing letter of guarantee and handle the technical issues of process is cumbersome, and letter of guarantee handles inefficiency.
To achieve the above object, the present invention provides a kind of letter of guarantee generation method, and the letter of guarantee generation method is applied to guarantee
Platform, the letter of guarantee generation method comprising steps of
After receiving the generation for generating letter of guarantee instruction, the selection target in default guarantee agency is instructed according to the generation
Guarantee agency, and detect whether to receive the associated materials that attachment before the institution of an action is put on record；
If receiving the associated materials, insurer's information is obtained, by insurer's information and the associated materials
It is sent to the corresponding letter of guarantee of the target guarantee agency and generates system, determining the related material so that the letter of guarantee generates system
After material and insurer's information pass through audit, letter of guarantee is generated.
Preferably, described after receiving the generation for generating letter of guarantee instruction, it is instructed according to the generation in default guarantee machine
The step of Gou Zhong selection target guarantee agency includes:
After receiving the generation for generating letter of guarantee instruction, the pouplarity of each default guarantee agency is obtained；
It is from high to low that the generation instructs corresponding letter of guarantee applicant to recommend described preset according to the pouplarity
Guarantee agency, and detect whether to detect the selection instruction of the selection target guarantee agency in the default guarantee agency；
If detecting the selection instruction, the corresponding default guarantee agency of the selection instruction is determined as target guarantee
Mechanism.
Preferably, it is described detect whether the step of receiving the associated materials that attachment before the institution of an action is put on record before, further includes:
It detects the generation and instructs whether corresponding letter of guarantee applicant is that triggering generation refers in the guarantee platform for the first time
It enables；
If the letter of guarantee applicant is to trigger the generation instruction in the guarantee platform for the first time, the first prompt of output
Letter of guarantee applicant described in information alert authorizes the guarantee platform creation guarantee account；
When detecting the letter of guarantee applicant after authorized order of the guarantee platform triggering, according to the authorized order
Create the guarantee account.
In addition, to achieve the above object, the present invention also provides a kind of letter of guarantee generation method, the letter of guarantee generation method application
In letter of guarantee generate system, the letter of guarantee generation method the following steps are included:
After receiving insurer's information that guarantee platform is sent and the associated materials that attachment before the institution of an action is put on record, the throwing is audited
Guarantor's information and the associated materials；
If the associated materials and insurer's information generate electronic insurance policy, and export signature information by audit
The corresponding insurer of insurer's information is prompted to sign the electronic insurance policy；
When determining electronic insurance policy described in insurer's signed, and the premium of the electronic insurance policy is in paid state
When, generate letter of guarantee.
Preferably, described to work as electronic insurance policy described in determining insurer's signed, and at the premium of the electronic insurance policy
When paid state, generate letter of guarantee the step of after, further includes:
It obtains the letter of guarantee and generates the corresponding mechanism qualification material of system and solvency material, and in the related material
It is obtained in material and saves number from damage；
The letter of guarantee, the mechanism qualification material and the solvency material be sent to method according to the number of saving from damage
Department's system, so that the court system is told according to the creation of the letter of guarantee, the mechanism qualification material and the solvency material
Before save case from damage.
Preferably, described to obtain the step of letter of guarantee generates the corresponding mechanism qualification material of system and solvency material
Later, further includes:
The letter of guarantee, the mechanism qualification material and the solvency material are sent to the guarantee platform, for
The guarantee platform stores the letter of guarantee, the mechanism qualification material and the solvency material corresponding to the insurer
Guarantee account in.
Preferably, described after receiving the insurer's information and associated materials that guarantee platform is sent, it insures described in audit
After the step of people's information and the associated materials, further includes:
If the associated materials do not pass through audit, the second prompt information is generated；
Second prompt information is sent to insurer's counterpart terminal and/or the guarantee platform, according to institute
Stating the second prompt information prompts associated materials described in the insurer not pass through audit.
In addition, to achieve the above object, the present invention also provides a kind of guarantee platform, the guarantee platform include memory,
Processor generates program with the letter of guarantee that can be run on the memory and on the processor is stored in, and the letter of guarantee generates journey
Sequence is realized when being executed by the processor assures the step of platform executes in letter of guarantee generation method as described above.
In addition, to achieve the above object, the present invention also provides a kind of letters of guarantee to generate system, the letter of guarantee generates system and includes
The letter of guarantee that memory, processor and being stored in can be run on the memory and on the processor generates program, the guarantor
Letter, which generates, realizes that letter of guarantee generates the step that system executes in letter of guarantee generation method as described above when program is executed by the processor
Suddenly.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
It is stored with letter of guarantee on storage medium and generates program, the letter of guarantee generates when program is executed by processor and realizes letter of guarantee as described above
The step of generation method.
After the present invention is by assuring that platform receives the generation instruction for generating letter of guarantee, selection target guarantee is instructed according to generating
Mechanism, and after receiving the associated materials that attachment before the institution of an action is put on record, insurer's information is obtained, insurer's information is related to this
Material is sent to the corresponding letter of guarantee of target guarantee agency and generates system, is determining associated materials so that letter of guarantee generates system and is insuring
After people's information is by audit, letter of guarantee is generated, letter of guarantee applicant is not needed and guarantee agency is gone to handle letter of guarantee, direct-on-line selection load
Mechanism is protected, the on-line processing letter of guarantee business in the corresponding letter of guarantee generation system of the guarantee agency simplifies letter of guarantee and handles process, mentions
High letter of guarantee handles efficiency, and goes to guarantee agency to handle letter of guarantee due to not needing letter of guarantee applicant, reduces letter of guarantee and handles into
This.
Detailed description of the invention
Fig. 1 is the structural schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram of letter of guarantee generation method first embodiment of the present invention；
Fig. 3 is the flow diagram of letter of guarantee generation method 3rd embodiment of the present invention；
Fig. 4 is the flow diagram of letter of guarantee generation method fourth embodiment of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
As shown in Figure 1, Fig. 1 is the structural schematic diagram for the hardware running environment that the embodiment of the present invention is related to.
It should be noted that Fig. 1 can generate system for letter of guarantee or assure that the structure of the hardware running environment of platform is shown
It is intended to, for ease of description, is illustrated for following letter of guarantee generation system.Letter of guarantee of the embodiment of the present invention generates system and can be
PC, the terminal devices such as portable computer.
As shown in Figure 1, it may include: processor 1001, such as CPU, network interface 1004, user that the letter of guarantee, which generates system,
Interface 1003, memory 1005, communication bus 1002.Wherein, communication bus 1002 is for realizing the connection between these components
Communication.User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), optional user
Interface 1003 can also include standard wireline interface and wireless interface.Network interface 1004 optionally may include having for standard
Line interface, wireless interface (such as WI-FI interface).Memory 1005 can be high speed RAM memory, be also possible to stable storage
Device (non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processing
The storage device of device 1001.
It does not constitute it will be understood by those skilled in the art that letter of guarantee shown in Fig. 1 generates system structure to letter of guarantee generation
The restriction of system may include perhaps combining certain components or different component cloth than illustrating more or fewer components
It sets.
As shown in Figure 1, as may include that operating system, network are logical in a kind of memory 1005 of computer storage medium
Believe that module, Subscriber Interface Module SIM and letter of guarantee generate program.Wherein, operating system is to manage and control letter of guarantee to generate system hardware
With the program of software resource, letter of guarantee is supported to generate the operation of program and other softwares or program.
In the present embodiment, in letter of guarantee generation system shown in Fig. 1, user interface 1003 is mainly used for output signature letter
Breath etc.；Network interface 1004 is mainly used for connecting court system and assures platform, carries out data with court system and guarantee platform
Communication；And processor 1001 can be used for that the letter of guarantee stored in memory 1005 is called to generate program, and execute following operation:
After receiving insurer's information that guarantee platform is sent and the associated materials that attachment before the institution of an action is put on record, the throwing is audited
Guarantor's information and the associated materials；
If the associated materials and insurer's information generate electronic insurance policy, and export signature information by audit
The corresponding insurer of insurer's information is prompted to sign the electronic insurance policy；
When determining electronic insurance policy described in insurer's signed, and the premium of the electronic insurance policy is in paid state
When, generate letter of guarantee.
Further, described to work as electronic insurance policy described in determining insurer's signed, and the premium of the electronic insurance policy
When in paid state, generate letter of guarantee the step of after, processor 1001 can be also used for call memory 1005 in store
Letter of guarantee generate program, and execute following steps:
It obtains the letter of guarantee and generates the corresponding mechanism qualification material of system and solvency material, and in the related material
It is obtained in material and saves number from damage；
The letter of guarantee, the mechanism qualification material and the solvency material be sent to method according to the number of saving from damage
Department's system, so that the court system is told according to the creation of the letter of guarantee, the mechanism qualification material and the solvency material
Before save case from damage.
Further, the step for obtaining the letter of guarantee and generating system corresponding mechanism qualification material and solvency material
After rapid, processor 1001 can be also used for that the letter of guarantee stored in memory 1005 is called to generate program, and execute following steps:
The letter of guarantee, the mechanism qualification material and the solvency material are sent to the guarantee platform, for
The guarantee platform stores the letter of guarantee, the mechanism qualification material and the solvency material corresponding to the insurer
Guarantee account in.
Further, described after receiving the insurer's information and associated materials that guarantee platform is sent, audit the throwing
After the step of guarantor's information and the associated materials, processor 1001 can be also used for calling the guarantor stored in memory 1005
Letter generates program, and executes following steps:
If the associated materials do not pass through audit, the second prompt information is generated；
Second prompt information is sent to insurer's counterpart terminal and/or the guarantee platform, according to institute
Stating the second prompt information prompts associated materials described in the insurer not pass through audit.
When Fig. 1 can person assure platform hardware running environment structural schematic diagram when, processor 1001 can be used for calling
The letter of guarantee stored in memory 1005 generates program, and executes following operation:
After receiving the generation for generating letter of guarantee instruction, the selection target in default guarantee agency is instructed according to the generation
Guarantee agency, and detect whether to receive the associated materials that attachment before the institution of an action is put on record；
If receiving the associated materials, insurer's information is obtained, by insurer's information and the associated materials
It is sent to the corresponding letter of guarantee of the target guarantee agency and generates system, determining the related material so that the letter of guarantee generates system
After material and insurer's information pass through audit, letter of guarantee is generated.
Further, described after receiving the generation for generating letter of guarantee instruction, according to generation instruction in default guarantee
The step of selection target guarantee agency, includes: in mechanism
After receiving the generation for generating letter of guarantee instruction, the pouplarity of each default guarantee agency is obtained；
It is from high to low that the generation instructs corresponding letter of guarantee applicant to recommend described preset according to the pouplarity
Guarantee agency, and detect whether to detect the selection instruction of the selection target guarantee agency in the default guarantee agency；
If detecting the selection instruction, the corresponding default guarantee agency of the selection instruction is determined as target guarantee
Mechanism.
Further, it is described detect whether the step of receiving the associated materials that attachment before the institution of an action is put on record before, processor
1001 can be also used for that the letter of guarantee stored in memory 1005 is called to generate program, and execute following steps:
It detects the generation and instructs whether corresponding letter of guarantee applicant is that triggering generation refers in the guarantee platform for the first time
It enables；
If the letter of guarantee applicant is to trigger the generation instruction in the guarantee platform for the first time, the first prompt of output
Letter of guarantee applicant described in information alert authorizes the guarantee platform creation guarantee account；
When detecting the letter of guarantee applicant after authorized order of the guarantee platform triggering, according to the authorized order
Create the guarantee account.
Based on above-mentioned structure, each embodiment of letter of guarantee generation method is proposed.
It is the flow diagram of letter of guarantee generation method first embodiment of the present invention referring to Fig. 2, Fig. 2.
The embodiment of the invention provides the embodiments of letter of guarantee generation method, it should be noted that although showing in flow charts
Go out logical order, but in some cases, it can be with the steps shown or described are performed in an order that is different from the one herein.
Letter of guarantee generation method includes:
Step S10, after receiving the generation for generating letter of guarantee instruction, according to generation instruction in default guarantee agency
Selection target guarantee agency, and detect whether to receive the associated materials that attachment before the institution of an action is put on record.
After assuring that platform receives the generation instruction for generating letter of guarantee, guarantee platform is according to generation instruction in default guarantee machine
Gou Zhong selection target guarantee agency, and detect whether to receive the associated materials that attachment before the institution of an action is put on record.Wherein, generating instruction is Shen
Please the letter of guarantee applicant of attachment before the institution of an action triggered manually in guarantee platform display interface.In guarantee platform, it is previously provided with
The guarantee agency that law court is approved, the guarantee agency can be insurance company, can also be special guarantee agency.The target guarantee agency
Corresponding default guarantee agency is instructed to generate.Whether guarantee detection of platform receives the associated materials that attachment before the institution of an action is put on record,
In, associated materials include but is not limited to attachment of property before the institution of an action application, property preservation cord material, prosecution testimonial material, prosecution
Shape and right as principal testimonial material, right as principal testimonial material include attachment of property before the institution of an action applicant's right as principal testimonial material and
Attachment of property before the institution of an action defending party to the application's right as principal testimonial material, when attachment of property before the institution of an action applicant and attachment of property before the institution of an action are applied
When artificial natural person, corresponding right as principal testimonial material is identity card obverse and reverse material；When attachment of property before the institution of an action application
When people and the attachment of property before the institution of an action defending party to the application are legal person, corresponding right as principal testimonial material is the identity of business license, legal person
Demonstrate,prove obverse and reverse material and the tenure proof of legal person etc..Property preservation cord material is according to attachment of property before the institution of an action applicant
It is required that the difference for the property saved from damage and it is different, such as when attachment of property before the institution of an action applicant require freeze the defending party to the application deposit when, property
Saving cord material from damage includes but is not limited to that applicant requires the amount of money size bank's card number corresponding with the deposit freezed；Before telling
Property preservation applicant requires when freezing the house of the defending party to the application, property preservation cord material include but is not limited to the house not
Movable property registration card, the house position and value.Prosecuting testimonial material is the evidence material used in the process of applicant's prosecution,
The corresponding format of associated materials can be photo, Word document and PDF (Portable Document Format, Portable Document
Format) etc..
In the display interface of guarantee platform, it is set as upload button, when the phase that applicant needs to put on record attachment before the institution of an action
After upload material is closed into guarantee platform, letter of guarantee applicant can be uploaded to the associated materials by clicking the upload button
It assures in platform.
Further, described after receiving the generation for generating letter of guarantee instruction, according to generation instruction in default guarantee
The step of selection target guarantee agency, includes: in mechanism
Step a obtains the pouplarity of each default guarantee agency after receiving the generation for generating letter of guarantee instruction.
After assuring that platform receives the generation instruction for generating letter of guarantee, it is corresponding that guarantee platform obtains each default guarantee agency
Score, according to the corresponding pouplarity for determining each default guarantee agency of the score of each default guarantee agency.Wherein, lead to
After crossing the corresponding letter of guarantee generation system generation letter of guarantee of guarantee agency, it is corresponding that letter of guarantee applicant, which can be in letter of guarantee generation system,
Guarantee agency's marking is the pouplarity that can determine guarantee agency by the corresponding score of guarantee agency.Implement in the present invention
In example, the corresponding score of guarantee agency is higher, shows that the pouplarity of guarantee agency is higher.Each guarantee agency all exists pair
The letter of guarantee answered generates system.
Step b is that the generation instructs corresponding letter of guarantee applicant to recommend institute according to the pouplarity from high to low
Default guarantee agency is stated, and detects whether that the selection for detecting the selection target guarantee agency in the default guarantee agency refers to
It enables.
After getting the pouplarity of each default guarantee agency, assure platform according to pouplarity from high in the end
Corresponding letter of guarantee applicant is instructed to recommend default guarantee agency to generate, specifically, guarantee platform is according to pouplarity from height
Default guarantee agency is shown in its display interface on earth, from high to low to push away default guarantee agency according to pouplarity
It recommends and gives letter of guarantee applicant, allow applicant selection target guarantee agency in default declaration form mechanism.When guarantee platform is according to welcome
Degree is to generate that corresponding letter of guarantee applicant is instructed to recommend after presetting guarantee agency from high to low, and whether guarantee detection of platform is detected
To the selection instruction of letter of guarantee applicant selection target guarantee agency in default guarantee agency.
The corresponding default guarantee agency of the selection instruction is determined as mesh if detecting the selection instruction by step c
Mark guarantee agency.
If guarantee platform detects the selection instruction of letter of guarantee applicant selection target guarantee agency in default guarantee agency,
The corresponding default guarantee agency of selection instruction is then determined as target guarantee agency by guarantee platform.Further, if guarantee platform
The selection instruction of letter of guarantee applicant selection target guarantee agency in default guarantee agency is not detected, and guarantee platform then continues to examine
The selection instruction for whether detecting the selection target guarantee agency in default guarantee agency surveyed.
Step S20 obtains insurer's information if receiving the associated materials, by insurer's information and described
Associated materials are sent to the corresponding letter of guarantee of the target guarantee agency and generate system, so that the letter of guarantee generates system determining
After associated materials and insurer's information are stated by audit, letter of guarantee is generated.
After assuring that platform receives associated materials, guarantee platform obtains insurer's information, and is obtaining insurer's information
Insurer's information and the associated materials are sent to the corresponding letter of guarantee of target guarantee agency afterwards and generate system.When letter of guarantee generates system
Receive insurer's information and the related data, and after insurer's information and the related data are by audit, letter of guarantee generates system
Generate letter of guarantee.In letter of guarantee, the relevant information containing insurer and insurant, insured amount, insurance responsibility and letter of guarantee have
Effect phase etc..It should be noted that insurer can be attachment of property before the institution of an action applicant, when attachment of property before the institution of an action application is artificially multiple
When, insurer can be one of them in attachment of property before the institution of an action applicant, and insurant is attachment of property before the institution of an action applicant.
When insurer is natural person, insurer's information includes but is not limited to name, type of credential, passport NO. and connection
Mode；When insurer is legal person, insurer's information includes but is not limited to enterprise name, unified credit code, name of judicial person, method
People's type of credential, legal person's passport NO., register of company address and legal person's contact method.In obtaining insurer's information process, load
Platform of keeping tie output prompt information prompt applicant fills in insurer's information in its display interface manually；If attachment of property before the institution of an action Shen
Only one is asked someone, guarantee platform can also pass through OCR (Optical Character Recognition, optical character identification)
Technology extracts attachment of property before the institution of an action applicant's information in attachment of property before the institution of an action application, by attachment of property before the institution of an action applicant
Information is determined as insurer's information；If attachment of property before the institution of an action applicant at least there are two, guarantee platform can be existed by OCR technique
Attachment of property before the institution of an action application extracts applicant's information of multiple attachment of property before the institution of an action applicants, by this multiple attachment of property before the institution of an action
Applicant's information is shown in its display interface, so that letter of guarantee applicant selects in this multiple attachment of property before the institution of an action applicant information
Applicant's information is selected as insurer's information.Attachment of property before the institution of an action applicant's information includes but is not limited to name, certificate class
Type, passport NO. and contact method.
It should be noted that being protected after associated materials and insurer's information are sent to letter of guarantee generation system by guarantee agency
Letter applicant can check the progress of handling of letter of guarantee in guarantee agency, and specifically, letter of guarantee applicant can click in guarantee agency
Instruction is checked in the triggering of " checking progress " button, after guarantee agency, which detects, checks instruction, guarantor can be shown in its display interface
Letter handles progress, and for letter of guarantee, applicant is checked.It is understood that the progress of handling of the letter of guarantee of guarantee agency is from letter of guarantee
It is obtained in generation system.
After the present embodiment is by assuring that platform receives the generation instruction for generating letter of guarantee, selection target load is instructed according to generating
Mechanism is protected, and after receiving the associated materials that attachment before the institution of an action is put on record, insurer's information is obtained, by insurer's information and the phase
It closes material and is sent to the corresponding letter of guarantee generation system of target guarantee agency, determining associated materials and throwing so that letter of guarantee generates system
After guarantor's information is by audit, letter of guarantee is generated, letter of guarantee applicant is not needed and guarantee agency is gone to handle letter of guarantee, direct-on-line selection
Guarantee agency, the on-line processing letter of guarantee business in the corresponding letter of guarantee generation system of the guarantee agency, simplifies letter of guarantee and handles process,
It improves letter of guarantee and handles efficiency, and go to guarantee agency to handle letter of guarantee due to not needing letter of guarantee applicant, reduce letter of guarantee and handle
Cost.
Further, letter of guarantee generation method second embodiment of the present invention is proposed.
The difference of the letter of guarantee generation method second embodiment and the letter of guarantee generation method first embodiment is, letter of guarantee
Generation method further include:
Step d detects the generation and instructs whether corresponding letter of guarantee applicant is to trigger in the guarantee platform for the first time
Generate instruction.
Guarantee platform detects the generation and instructs whether corresponding letter of guarantee applicant is to touch for the first time after detecting generation instruction
Instruction occurs into.Specifically, guarantee platform can detect the corresponding guarantee account of letter of guarantee applicant whether is stored in its database
Number, if guarantee detection of platform is stored with the corresponding guarantee account of letter of guarantee applicant into its database, guarantee platform, which determines, to be protected
Letter applicant is not that triggering generates instruction for the first time；There is letter of guarantee applicant corresponding if assuring that detection of platform is not stored into its database
Guarantee account, guarantee platform then determine letter of guarantee applicant be for the first time triggering generate instruction.It should be noted that in guarantee account
In, telephone number and/or ID card No. of secured accounting number users etc. are stored, therefore, is believed by the identity of letter of guarantee applicant
Breath can determine in the database for assuring platform whether be stored with the corresponding guarantee account of letter of guarantee applicant, if letter of guarantee applicant
Telephone number of accounting number users is consistent and/or the ID card No. of letter of guarantee applicant and some load for telephone number and some guarantee
The ID card No. for protecting accounting number users is consistent, then can determine letter of guarantee applicant not is that triggering generation refers in guarantee platform for the first time
It enables, otherwise, it determines letter of guarantee applicant is that triggering generates instruction in guarantee platform for the first time.
Step e exports the if the letter of guarantee applicant is to trigger generation instruction in the guarantee platform for the first time
One prompt information prompts the letter of guarantee applicant to authorize the guarantee platform creation guarantee account.
Step f is awarded when detecting the letter of guarantee applicant after authorized order of the guarantee platform triggering according to described
Power instruction creates the guarantee account.
If detecting, letter of guarantee applicant is that triggering generates instruction in guarantee platform for the first time, and guarantee platform generates first and mentions
Show information, and exports first prompt information prompt letter of guarantee applicant and guarantee platform is authorized to create guarantee account for it.In this hair
In bright embodiment, an authorization button can be set in the display interface of guarantee platform, letter of guarantee applicant can award by clicking this
It weighs button and triggers authorized order.After assuring that platform detects the authorized order of letter of guarantee applicant triggering, guarantee platform is according to this
Authorized order is that letter of guarantee applicant creates guarantee account automatically.It should be noted that in the present embodiment, only in letter of guarantee application
For people in assuring platform when secured account, guarantee platform just can be by the guarantee account by insurer's information and attachment before the institution of an action
Associated materials are sent to the corresponding letter of guarantee of target guarantee agency and generate system.The guarantee account can be used for storing letter of guarantee applicant's
Relevant information, such as store the associated materials and insurer's information of the attachment before the institution of an action.
The embodiment of the present invention is by exporting after detecting that letter of guarantee applicant triggers generation instruction for the first time in guarantee platform
First prompt information prompts applicant that guarantee platform is authorized to create guarantee account for it, detects authorized order in guarantee platform
Afterwards, which is created according to the authorized order, to be automatically that letter of guarantee applicant creates guarantee account, does not need letter of guarantee application
People returns to enrollment page registration guarantee account, improves the creation rate of creation guarantee account.
Further, letter of guarantee generation method 3rd embodiment of the present invention is proposed.
The difference of the letter of guarantee generation method 3rd embodiment and the letter of guarantee generation method first or second embodiments exists
In referring to Fig. 3, letter of guarantee generation method further include:
Step S30 is examined after receiving insurer's information that guarantee platform is sent and the associated materials that attachment before the institution of an action is put on record
Insurer's information and the associated materials described in core.
Before the corresponding letter of guarantee generation system of target guarantee agency receives insurer's information that guarantee platform is sent and tells
After saving the associated materials put on record from damage, letter of guarantee generates system audit insurer information and the associated materials.Specifically, it is generated in letter of guarantee
The auditing rule of settable various associated materials in system can audit insurer's information and related material by these auditing rules
Material, as detected in attachment of property before the institution of an action application whether with the amount of money is saved from damage, if not writing guarantor in attachment of property before the institution of an action application
The full amount of money, it is determined that attachment of property before the institution of an action application does not meet attachment of property before the institution of an action requisition editing rule；If property is protected before telling
With saving the amount of money from damage in full application, it is determined that attachment of property before the institution of an action application meets attachment of property before the institution of an action requisition editing rule
Then.Such as when property preservation cord material be the attachment before the institution of an action defending party to the application deposit when, detect property preservation cord material in whether
There are the deposit amounts of the attachment of property before the institution of an action defending party to the application and deposit bank's card number copy, if detecting property preservation clue material
The deposit amount of the attachment of property before the institution of an action defending party to the application is not present in material, or bank's card number copy is not present, it is determined that property
Save cord material from damage and does not meet corresponding cord material auditing rule；If detecting, there are Deposits in property preservation cord material
Volume, and deposit card number copy in the bank, it is determined that property preservation cord material meets corresponding cord material auditing rule.It examines
The auditing rule of core insurer's information can for insurer's information category it is whether complete, i.e., in insurer's information whether include name,
Type of credential, passport NO. and contact method etc..
Further, it after letter of guarantee generates the associated materials that system receives insurer's information and attachment before the institution of an action is put on record, protects
Letter generates system and produces audit prompt information, and the output audit prompt information in its display interface, to be mentioned according to the audit
Show that the corresponding staff of information alert target guarantee agency audits insurer's information and the associated materials, and detects whether to receive
Insurer's information and the associated materials instructing by confirmation by audit are confirmed to the staff.If letter of guarantee generates system and connects
This is received by confirmation instruction, letter of guarantee generates system, and then basis should instruct the determining associated materials and insurer's information by confirmation
Pass through audit；If letter of guarantee generation system, which receives staff, confirms that insurer's information does not pass through not referring to by confirmation for audit
It enables, letter of guarantee generation system does not pass through confirmation according to this then and determining insurer's information is instructed not pass through audit；If letter of guarantee generates system
Receive staff confirm the associated materials do not pass through audit not by confirmation instruction, letter of guarantee generate system then according to this not
Corresponding determining associated materials are instructed not pass through audit by confirmation.
Step S40, if the associated materials and insurer's information generate electronic insurance policy, and export by audit
It signs the corresponding insurer of insurer's information described in information alert and signs the electronic insurance policy.
If letter of guarantee generates system and determines associated materials and insurer's information by audit, letter of guarantee generates system and automatically generates
List declaration form, and generate the corresponding insurer of signature information alert insurer information and sign electronic insurance policy.It should be noted that not
Corresponding to electronic insurance policy format with guarantee agency may be different, it is also possible to which the same, i.e., different letters of guarantee generate the corresponding electronics of system
Declaration form format may be different, it is also possible to the same.In electronic insurance policy, contain insurer's information.It can be mentioned by the signature information
Show that insurer signs its name in the specific position of electronic insurance policy.Specifically, letter of guarantee, which generates system, will sign information and electronics guarantor
Single-shot gives guarantee platform, after assuring that platform receives the signature information and electronic insurance policy, exports the signature information and electronics
Declaration form, to be signed in electronic insurance policy according to signature information alert insurer, at this point, guarantee platform can will have insurer's signature
Electronic insurance policy return to letter of guarantee generate system.
Step S50, when determining electronic insurance policy described in insurer's signed, and the premium of the electronic insurance policy is in
When paying state, letter of guarantee is generated.
Letter of guarantee generates system after information is signed in output, detects whether after receiving insurer's signature that guarantee platform returns
Electronic insurance policy.When letter of guarantee generates the electronic insurance policy after system receives insurer's signature that guarantee platform returns, letter of guarantee is raw
Insurer's signed electronic insurance policy is determined at system, and sends payment instruction and gives guarantee platform, so that guarantee platform is according to this
Payment instruction prompts corresponding insurer to pay the corresponding premium of electronic insurance policy.When insurer's success payment of premium, platform is assured
Payment can be sent, and successfully payment success message gives letter of guarantee generation system.Payment success message is received when letter of guarantee generates system
Afterwards, letter of guarantee generates system and determines that the premium of electronic insurance policy is in paid state according to the payment success message.It is generated in letter of guarantee
After system determines that the premium of electronic insurance policy is in paid state, letter of guarantee generates system and generates letter of guarantee.
Further, after assuring that platform detects the payment instruction of the payment of premium of insurer's triggering, payment can be referred to
Order is sent to letter of guarantee and generates system.When the payment instruction of letter of guarantee generation systems scan to payment of premium, and according to the payment instruction
After successfully taking off premium in insurer's corresponding account, letter of guarantee generates system and determines that the premium of electronic insurance policy is in paid shape
State.Letter of guarantee generate system determine electronic insurance policy premium be in paid state after, letter of guarantee generate system generation letter of guarantee.
The present embodiment, which passes through to work as, receives insurer's information that guarantee platform is sent and the associated materials that attachment before the institution of an action is put on record
Afterwards, insurer's information and associated materials are audited；If associated materials and insurer's information generate electronic insurance policy by audit, and
Output signature information alert insurer signs electronic insurance policy, and signs electronic insurance policy in insurer, and at the premium of electronic insurance policy
When paid state, letter of guarantee is generated for insurer automatically, letter of guarantee is simplified and handles process, improve letter of guarantee and handle efficiency, and
It goes to guarantee agency to handle letter of guarantee due to not needing letter of guarantee applicant, reduces letter of guarantee and handle cost.
Further, letter of guarantee generation method further include:
Step g generates the second prompt information if the associated materials do not pass through audit.
Second prompt information is sent to insurer's counterpart terminal and/or the guarantee platform by step h, with
Audit is not passed through according to associated materials described in second prompt information prompt insurer.
Further, if letter of guarantee generates the associated materials that system determines that attachment before the institution of an action is put on record and do not pass through audit, letter of guarantee is generated
System then generates the second prompt information, and the second prompt information is sent to insurer's counterpart terminal, and/or the second prompt is believed
Breath is sent to guarantee platform.It should be noted that the way of output of various information can be voice or text in the embodiment of the present invention
The forms such as word, such as the second prompt information can be exported by short message or mail mode.When insurer's counterpart terminal receives
After two prompt informations, which exports second prompt information, to prompt insurer's correlation material according to second prompt information
Material please resubmit not by audit and not submit lacked material by the associated materials of audit, and/or supplement；Work as guarantee
Platform receives the second prompt information, and guarantee platform exports second prompt information, according to the second prompt information insurer
The associated materials do not pass through audit, please resubmit and not submit lacked material by the associated materials of audit, and/or supplement
Material, to improve the success rate for generating letter of guarantee.
Further, letter of guarantee generation method fourth embodiment of the present invention is proposed.
The area of the letter of guarantee generation method fourth embodiment and first, second or third embodiment of letter of guarantee generation method
It is not, referring to Fig. 4, letter of guarantee generation method further include:
Step S60 obtains the letter of guarantee and generates the corresponding mechanism qualification material of system and solvency material, and in institute
It states to obtain in associated materials and saves number from damage.
After letter of guarantee, which generates system, generates letter of guarantee, letter of guarantee generates system and obtains its corresponding mechanism qualification material and reimbursemen energy
Dead-wood material, and obtained in associated materials and save number from damage, wherein saving number from damage is court system after receiving associated materials
It automatically generates, when assuring that associated materials are sent to letter of guarantee generation system by platform, this can be saved from damage number one by guarantee platform
It rises and is sent to court system.In court system, be previously provided with the create-rule for saving number from damage, as this save number from damage can be by giving birth to
At the date plus serial number composition is generated, serial number is generated for indicating that the received letter of guarantee of institute generates court system within a certain period of time
The quantity of instruction.Mechanism qualification material includes but is not limited to that letter of guarantee generation system corresponds to the business license of target guarantee agency, group
Knit Institution Code and the qualification proof material of legal person；Solvency material can be the annual financial statement of target guarantee agency.It needs
It is noted that being previously stored with the mechanism qualification material of target guarantee agency in the database that letter of guarantee generates system and repaying
Pay ability material.
Step S70, according to the number of saving from damage by the letter of guarantee, the mechanism qualification material and the solvency material
It is sent to court system, so that the court system is according to the letter of guarantee, the mechanism qualification material and the solvency material
Material creation attachment before the institution of an action case.
After letter of guarantee generation system, which is got, saves number, mechanism qualification material and solvency material from damage, letter of guarantee generates system
For system according to number is saved from damage, letter of guarantee, mechanism qualification material and the solvency material generated sends jointly to court system, with
For court system after receiving letter of guarantee, mechanism qualification material and solvency material, letter of guarantee, mechanism are provided according to number is saved from damage
Material and solvency material associate with associated materials, and according to letter of guarantee, mechanism qualification material and solvency material
Create attachment before the institution of an action case.Specifically, it in letter of guarantee generation system, is provided with " submitting button ", letter of guarantee generates the work of system
Personnel can click " submitting button ", submit instruction with triggering.After letter of guarantee, which generates systems scan, to be instructed to the submission, letter of guarantee is raw
Letter of guarantee, mechanism qualification material and solvency material sent jointly into court system according to number is saved from damage at system.
The present embodiment is not needed by the way that letter of guarantee, mechanism qualification material and solvency material are sent court system together
Insurer submits letter of guarantee to law court, improves the submission efficiency that letter of guarantee is given to law court, further improves attachment before the institution of an action case
Efficiency of putting on record.
Further, letter of guarantee generation method further include:
It is flat to be sent to the guarantee by step i for the letter of guarantee, the mechanism qualification material and the solvency material
Platform, so that the guarantee platform stores the letter of guarantee, the mechanism qualification material and the solvency material to the throwing
In the corresponding guarantee account of guarantor.
After letter of guarantee, which generates system, obtains letter of guarantee, mechanism qualification material and solvency material, letter of guarantee generates system and will protect
Letter, mechanism qualification material and solvency material are sent to guarantee platform.When guarantee platform receives letter of guarantee, mechanism qualification material
After solvency material, guarantee platform stores letter of guarantee, mechanism qualification material and solvency material corresponding to insurer
It assures in account, in order to which insurer checks the mechanism qualification material and solvency material of letter of guarantee, target guarantee agency.
Inventive embodiments also propose a kind of computer readable storage medium, are stored on the computer readable storage medium
Letter of guarantee generates program, and the letter of guarantee generates each step that letter of guarantee generation method as described above is realized when program is executed by processor
Suddenly.
Computer readable storage medium specific implementation mode and the basic phase of above-mentioned each embodiment of letter of guarantee generation method of the present invention
Together, details are not described herein.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the device that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or device institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or device.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
By the description of above implementation mode, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably to implement mode.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal device (can be mobile phone, computer, clothes
Business device, air conditioner or the network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of letter of guarantee generation method, which is characterized in that the letter of guarantee generation method is applied to guarantee platform, and the letter of guarantee generates
Method the following steps are included:
After receiving the generation for generating letter of guarantee instruction, according to generation instruction, selection target is assured in default guarantee agency
Mechanism, and detect whether to receive the associated materials that attachment before the institution of an action is put on record；
If receiving the associated materials, insurer's information is obtained, insurer's information and the associated materials are sent
Give the corresponding letter of guarantee of the target guarantee agency to generate system, for the letter of guarantee generate system determine the associated materials and
After insurer's information is by audit, letter of guarantee is generated.
2. letter of guarantee generation method as described in claim 1, which is characterized in that described when the generation instruction for receiving generation letter of guarantee
Afterwards, include: the step of selection target guarantee agency in default guarantee agency according to generation instruction
After receiving the generation for generating letter of guarantee instruction, the pouplarity of each default guarantee agency is obtained；
It is from high to low that the generation instructs corresponding letter of guarantee applicant to recommend the default guarantee according to the pouplarity
Mechanism, and detect whether to detect the selection instruction of the selection target guarantee agency in the default guarantee agency；
If detecting the selection instruction, the corresponding default guarantee agency of the selection instruction is determined as target guarantee machine
Structure.
3. letter of guarantee generation method as claimed in claim 1 or 2, which is characterized in that described to detect whether to receive attachment before the institution of an action
Before the step of associated materials put on record, further includes:
It detects the generation and instructs whether corresponding letter of guarantee applicant is that triggering generates instruction in the guarantee platform for the first time；
If the letter of guarantee applicant is to trigger the generation instruction in the guarantee platform for the first time, the first prompt information is exported
The letter of guarantee applicant is prompted to authorize the guarantee platform creation guarantee account；
When detecting the letter of guarantee applicant after authorized order of the guarantee platform triggering, created according to the authorized order
The guarantee account.
4. a kind of letter of guarantee generation method, which is characterized in that the letter of guarantee generation method is applied to letter of guarantee and generates system, the letter of guarantee
Generation method the following steps are included:
After receiving insurer's information that guarantee platform is sent and the associated materials that attachment before the institution of an action is put on record, the insurer is audited
Information and the associated materials；
If the associated materials and insurer's information generate electronic insurance policy, and export signature information alert by audit
Insurer's information corresponding insurer's signature electronic insurance policy；
When determining electronic insurance policy described in insurer's signed, and when the premium of the electronic insurance policy is in paid state,
Generate letter of guarantee.
5. letter of guarantee generation method as claimed in claim 4, which is characterized in that described to work as described in determining insurer's signed
Electronic insurance policy, the and when premium of the electronic insurance policy is in paid state, after the step of generating letter of guarantee, further includes:
It obtains the letter of guarantee and generates the corresponding mechanism qualification material of system and solvency material, and in the associated materials
Number is saved in acquisition from damage；
The letter of guarantee, the mechanism qualification material and the solvency material be sent to method department according to the number of saving from damage
System, so that the court system tells preceding guarantor according to the creation of the letter of guarantee, the mechanism qualification material and the solvency material
Whole case part.
6. letter of guarantee generation method as claimed in claim 5, which is characterized in that it is corresponding that the acquisition letter of guarantee generates system
After the step of mechanism qualification material and solvency material, further includes:
The letter of guarantee, the mechanism qualification material and the solvency material are sent to the guarantee platform, for described
Assure that the letter of guarantee, the mechanism qualification material and the solvency material are stored load corresponding to the insurer by platform
It protects in account.
7. such as the described in any item letter of guarantee generation methods of claim 4 to 6, which is characterized in that described to receive guarantee platform
After the insurer's information and associated materials of transmission, after the step of auditing insurer's information and the associated materials, also wrap
It includes:
If the associated materials do not pass through audit, the second prompt information is generated；
Second prompt information is sent to insurer's counterpart terminal and/or the guarantee platform, according to described
Two prompt informations prompt associated materials described in the insurer not pass through audit.
8. a kind of guarantee platform, which is characterized in that the guarantee platform includes memory, processor and is stored in the memory
Letter of guarantee that is upper and can running on the processor generates program, and the letter of guarantee is generated when program is executed by the processor and realized
The step of letter of guarantee generation method as claimed any one in claims 1 to 3.
9. a kind of letter of guarantee generates system, which is characterized in that the letter of guarantee generates system and includes memory, processor and be stored in institute
The letter of guarantee that stating can run on memory and on the processor generates program, and the letter of guarantee generates program and held by the processor
The step of letter of guarantee generation method as described in any one of claim 4 to 7 is realized when row.
10. a kind of computer readable storage medium, which is characterized in that it is raw to be stored with letter of guarantee on the computer readable storage medium
At program, the letter of guarantee generates and realizes that letter of guarantee described in any item of the claim 1 to 8 such as generates when program is executed by processor
The step of method.
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