CN113077233B - Electronic warranty issuing method, cloud server and electronic warranty system - Google Patents

Electronic warranty issuing method, cloud server and electronic warranty system Download PDF

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CN113077233B
CN113077233B CN202110360199.9A CN202110360199A CN113077233B CN 113077233 B CN113077233 B CN 113077233B CN 202110360199 A CN202110360199 A CN 202110360199A CN 113077233 B CN113077233 B CN 113077233B
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guarantee
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CN113077233A (en
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李冬
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    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
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Abstract

The application discloses an electronic warranty issuing method, a cloud server and an electronic warranty system, wherein the method comprises the following steps: pushing an item list according to the order data and the selected item request; receiving the selected items and prescreening the financial institutions based on the attributes thereof to obtain a list of preschool financial institutions; the method comprises the steps of obtaining the guarantee responsibility and the guarantee upper limit of a financial institution based on the target amount of a selected item and interaction of the transaction center system; performing secondary screening on the primary review financial institution list; retaining the financial institution when the financial institution's underwriting responsibility exceeds the underwriting upper limit and joint underwriting exists, or when the financial institution's underwriting responsibility does not exceed the underwriting upper limit; generating a final financial institution list based on the reserved financial institutions and feeding back; and receiving the selected financial institutions, generating the warranty orders and sending the order to the selected financial institution systems. More financial institutions with letter qualification are provided for enterprises to select, market business is expanded for guarantee companies, financial industry chains are expanded, and insurance companies obtain associated business.

Description

Electronic warranty issuing method, cloud server and electronic warranty system
Technical Field
The invention relates to the technical field of blockchains, in particular to an electronic warranty issuing method, a chain service device and a system.
Background
In the business such as public resource trade bidding, the enterprise as the bidder needs to submit the guarantee or electronic warranty before the bidding is cut off, the enterprise as the trade entity user can select the item of the pre-investment from the public resource platform, apply for the electronic warranty to submit the warranty order, and the electronic warranty system receives the order and then issues the order to the financial institution (including the warranty company) with the warranty qualification according to the selected item.
At present, an electronic warranty system sets an audit requirement of an electronic warranty for an enterprise by taking a guarantee company as a underwriting mechanism: firstly, a guarantee company has qualification of opening an electronic warranty; secondly, the guarantee company has certain paying capacity; finally, the current accumulated guarantee (guarantee responsibility) of the guarantee function of the guarantee company does not exceed the upper limit of the self-pay capability.
According to existing rules, a warranty guarantee company is eligible to receive a receipt from the system if its cumulative amount of warranty (the responsibility of warranty) has reached its upper limit of payability or if the occurrence of an item warranty order with a very large amount of warranty results in exceeding the upper limit of payability. Thereby causing the following problems: the enterprises cannot select the guarantee companies to make letters, and the guarantee companies lose business orders due to wind control, so that the selection of the enterprises is reduced, and if a plurality of guarantee companies exist in the situation, the normal circulation of the electronic guarantee business is not facilitated, and the market trading order is further affected.
Disclosure of Invention
The application provides an electronic warranty issuing method, a cloud server and an electronic warranty system, which are used for overcoming the defect that in the prior art, security responsibility wind control audit is single to prevent electronic warranty market transaction.
In order to achieve the above object, in a first aspect, the present application provides an electronic policy issuing method, including:
pushing an item list according to the received order data and the selected item request;
receiving the selected items in the item list and performing preliminary screening on the financial institutions based on the selected item attributes to obtain a primary review financial institution list;
the method comprises the steps of obtaining the guarantee responsibility and the guarantee upper limit of a financial institution in a primary review financial institution list based on the target amount of a selected item and interaction of a transaction center system; performing secondary screening on the primary review financial institution list;
retaining a financial institution when the financial institution's underwriting responsibility exceeds an underwriting upper limit and joint underwriting exists, or when the financial institution's underwriting responsibility does not exceed the underwriting upper limit;
generating a final financial institution list based on the reserved financial institutions and feeding back;
a financial institution selected from the list of final financial institutions is received, and an warranty order is generated for transmission to the selected financial institution system.
By adopting the technical scheme, if the accumulated guarantee (guarantee responsibility) of the guarantee has reached the upper limit of the self-paying capability, or a project guarantee order with very large guarantee amount appears to cause the upper limit of the self-paying capability to be exceeded, the guarantee company is allowed to cooperate with the insurance company in a reinsurance mode, so that a financial institution serving as the guarantee company can lift the self-guaranteeing upper limit of the guarantee company through the insurance company in a combined guarantee mode, further obtain the guarantee company receipt permission, the enterprise can select the guarantee company to continue to play the function, the service order quantity of the guarantee company lost due to wind control is reduced, the service traffic between the bidding enterprise and the guarantee company is promoted, and the market transaction is stimulated. The reinsurance service can be developed only after the guarantee company and the cooperative insurance company are authenticated by the medium electronic insurance system, and the authority of authentication is realized. The reinsurance mode requires that the same guarantee organization can only sign up with reinsurance business of one insurance company, and has exclusive sign up. The guarantee responsibility/guarantee balance management adopts special rule calculation, and the blockchain certification is monitored by program logic in real time, so that the method is the first application in the industry.
Preferably, the item attribute includes: the region to which the item belongs, the item type, and the amount of the item target;
The step of obtaining the selected item attribute comprises:
extracting a selected item attribute from local data based on the selected item; or (b)
The item belonging area, the item type, and the amount of the item target for the selected item are obtained based on the interaction of the selected item with the blockchain node.
By adopting the technical scheme, after the bidding enterprise receives the item list sent by the server side through the user registered by the transaction center system, the bidding enterprise selects the item list and interacts with the server through the bottom layer, in one embodiment, the server interacts with the blockchain node again based on the selected item obtained by interaction and extracts the attribute of the selected item from the local database, in another embodiment, the server receives the feedback of the blockchain node to obtain the attribute of the selected item, including the affiliated area of the selected item, the item type, the target amount of the item and the like, the server can perform preliminary examination based on the affiliated area of the selected item, and select the financial institutions with the warranty in the affiliated area to form a primary-examination financial institution list, wherein the financial institutions meet the warranty requirement after strict screening, the item types include infrastructures, buildings, water conservancy and hydropower and the like, and the warranty proportions of the warranty amounts of the different types of the items are different, so that the server can conveniently configure the warranty proportions of the items based on the types of the items selected by the user. For example, some items may be guaranteed to be 30%,50%,80% or 100% of the target amount, while some items may be guaranteed to be 50%,80% or 100% of the target amount.
Preferably, the step of receiving the selected items in the list of items and initially screening the financial institutions for a preliminary screening based on the attributes of the selected items comprises:
calling a first mapping relation table of the area and the financial institution based on the area to which the item belongs;
each area in the first mapping relation table has a mapping relation with a plurality of financial institutions with guarantee qualification;
searching a financial institution with a mapping relation with the area to which the project belongs in a first mapping relation table to obtain a financial institution list with a guarantee qualification in the current area;
invoking a second mapping relation table of the type and the financial institution based on the item type;
each item type in the second mapping relation table has a mapping relation with a plurality of financial institutions with guarantee qualification;
searching financial institutions with mapping relation with the item types in the second mapping relation table, and obtaining a financial institution list matched with the item types;
a preliminary review financial institution list is formed based on the financial institution list with the current area having the warranty qualification and the financial institution list matched with the item type.
By adopting the technical scheme, the two types of mapping relation tables are pre-stored in the server, when a financial institution selection request of a user is received, an item selected by the request is called, the area to which the request belongs is determined based on item information, then the area index in the first mapping relation table is traversed based on the area to which the request belongs, and after a consistent area is found, all financial institutions with warranty of the area are obtained based on the mapping relation to form a first coarse screening list; likewise, when a financial institution selection request of a user is received, invoking an item selected by the request, determining the type of the item based on item information, traversing an item type index in a second mapping relation table based on the item type, finding a consistent item type, and obtaining a corresponding financial institution of the item type based on a mapping relation to form a second coarse screening list; taking repeated financial institutions in the first coarse screening list and the second coarse screening list to form a primary review financial institution list; and feeding back to the transaction center system for the bidding enterprise user to select.
Preferably, the step of interactively acquiring the guarantee responsibility and the guarantee upper limit of the financial institutions in the initial review financial institution list with the transaction center system based on the target amount of the selected item comprises the following steps of;
acquiring a guarantee upper limit of any financial institution in the initial review financial institution list from a local database;
interaction with a transaction center system to obtain an accumulated wager for the selected financial institution;
configuring a deposit amount based on the target amount of the selected item;
obtaining the guarantee responsibility of the financial institution according to the sum of the accumulated guarantee amount and the deposit amount of the financial institution;
traversing all financial institutions in the initial review financial institution list to obtain the guarantee responsibility and the guarantee upper limit of all financial institutions;
the step of configuring the deposit amount based on the target amount of the selected item includes:
a mapping relation table of item types and guarantee proportion is pre-stored; a mapping relation exists between each item attribute and a plurality of guarantee proportions in the mapping relation table;
obtaining a plurality of guarantee proportions of the project based on the project type and the mapping relation and feeding back the guarantee proportions;
obtaining a deposit amount based on the target amount of the selected item and the received guarantee proportion;
the step of determining whether the financial institution's vouching responsibilities exceed a vouching upper limit comprises:
Comparing the financial institution's vouching responsibilities with the vouching upper limit;
confirming that the financial institution's vouching responsibilities do not exceed an upper vouching limit when the vouching responsibilities are less than or equal to the upper vouching limit;
and confirming that the guarantee responsibility of the financial institution exceeds the guarantee upper limit when the guarantee responsibility is larger than the guarantee upper limit of the financial institution.
By adopting the technical scheme, the upper guarantee limit of the financial institution can be stored in the local database, the upper guarantee limit of any financial institution can be called from the database after the initial financial institution is obtained, bidding enterprises can obtain the target amount of the selected item from the local or blockchain nodes when selecting the financial institution, and the target amount is sent to the next flow node after selecting the item, so that the target amount can carry the amount information of the selected item when sending a financial institution selection request to a server, the two can be multiplied based on the guarantee proportion selected by the enterprise user to obtain the guarantee amount, and the accumulated guarantee amount of the financial institution and the upper guarantee limit thereof can be obtained based on interaction between a certain financial institution selected by the enterprise user and a transaction center system; and judging whether the system has the guarantee capability.
Preferably, the step of generating the final review financial institution list comprises:
retaining the financial institution in the list of primary-review financial institutions when the financial institution's vouching responsibilities do not exceed the vouching upper limit;
querying whether a financial institution has joint guarantee when the guarantee responsibility of the financial institution exceeds the guarantee upper limit;
switching to a joint guarantee mode when the financial institution has joint guarantee;
deleting the financial institution in a preliminary examination financial list when the financial institution does not have joint coverage;
the step of switching joint guarantee comprises the following steps:
extracting the guaranty amount of the joint guaranty;
allowing the joint guarantee and reserving the financial institutions in the initial review financial institution list when the guarantee amount of the joint guarantee is greater than or equal to the guarantee amount of the selected item; the method comprises the steps of carrying out a first treatment on the surface of the
And when the guarantee amount of the joint guarantee is smaller than the guarantee amount of the selected item, the joint guarantee is not allowed and the financial institutions are deleted in the initial review financial institution list.
By adopting the technical scheme, when the guarantee responsibility of the financial institutions in the initial review financial institution list does not exceed the guarantee upper limit, the financial institutions are allowed to independently underwriting; judging whether joint guarantee exists or not only when the guarantee responsibility of the financial institutions in the initial review financial institution list exceeds the guarantee upper limit and independent guarantee cannot be carried out, if so, switching to a joint guarantee mode to judge whether the financial institutions have the guarantee capability or not, and if so, keeping the financial institutions in the list; if the joint insurance does not exist, the financial institution underwriting is directly deleted from the list, and the final financial institution list is formed after the judgment and readjustment of the initial financial institution list; each financial institution in the final financial institution list pushed to the user allows the underwriting, the user can select among the financial institutions arbitrarily without the possibility that the selected financial institution cannot underwriting, and the efficiency of generating the insurance policy is improved.
Preferably, the step of receiving a selected financial institution in the final financial institution list, generating a policy order for transmission to the selected financial institution system includes:
allowing independent underwriting and generating independent warranty orders to the financial institution systems when the received underwriting responsibilities of the selected financial institution do not exceed the upper underwriting limit;
when the received vouching responsibilities of the selected financial institution exceed the vouching upper limit and there is a joint vouching, joint vouching is allowed and a joint vouching order is generated to the financial institution system.
By adopting the technical scheme, the deposit amount of the insurance company, namely the deposit amount of the joint guarantee, is extracted based on the contract signed by the financial institution and the cooperative insurance company, and a deposit order is generated to the transaction center system based on the relation of the two; if the guarantee responsibility of a certain financial institution exceeds the guarantee upper limit and no joint guarantee exists, deleting the guarantee responsibility in the initial-review financial institution list directly, and not appearing in the final-review financial institution list or being selected by a user; all financial institutions selected from the final financial institution list must be allowed to underwire, thereby ensuring that the policy order is produced once selected. The amount of the deposit of the combined guarantee is determined based on the service contract of the financial institution and the cooperative insurance company, and the same guarantee institution is required to sign up for the reinsurance service with only one insurance company in the reinsurance mode, so that the contract monopolization is realized, disputes are reduced, and the interests of signers are ensured; the guarantee responsibility and guarantee balance management adopts special rule calculation, the blockchain certification is monitored by program logic in real time, and the program is safe and controllable and has operability.
Preferably, the method further comprises, before generating the policy order:
acquiring enterprise information and feeding back to a transaction center system for verification;
receiving feedback of a transaction center system based on a comparison result of the enterprise information and the stored information, and sending a project information verification request;
receiving a project information verification result which is requested and fed back by the transaction center system based on the project information verification;
generating an insurance order and transmitting the insurance order to the selected financial institution system when the verification result is successful;
and ending the flow when the verification result fails.
By adopting the technical scheme, the flow before the generation of the insurance order is pre-submitted for the order, the enterprise information of the enterprise user is acquired and is sent to the transaction center system for verification, the pre-submitted order is sent to the transaction center for improving the project confidentiality through calling the project information of the blockchain node for verification after encryption so as to verify whether the identity of the pre-submitted order is legal, and the insurance order is sent to the selected financial institution system when the verification is correct, so that the transaction safety is improved.
Preferably, the method further comprises, after sending the policy order to the selected financial institution system:
transmitting a payment link based on the pass through information fed back by the selected financial institution;
And when receiving the letter output information fed back by the selected financial institution based on the successful payment, pushing the letter output success information and ending the flow.
By adopting the technical scheme, after the financial institution receives the warranty order, the financial institution feeds back the passing information after checking through the internal wind control, and pushes the payment link to the enterprise user, and after the enterprise user receives the payment link and the payment is successful, the financial institution system letter is pushed to the transaction center system letter successful information through the server, and the flow is ended.
In order to achieve the above object, in a second aspect, the present application further provides a cloud server, including a processor and a memory, where the memory stores an electronic warranty provision program; the processor executes the steps of the method when running the electronic warranty creation program; one end of the processor is used for being in communication connection with a transaction center system of the declaration project, and the other end of the processor is used for being in communication connection with a financial institution system.
By adopting the technical scheme, the electronic warranty provision method is presented in the form of computer readable codes and stored in the memory, and after the computer program is installed, when the processor runs the computer readable codes in the memory in the system, the steps of the method are executed to obtain the technical effect of promoting market transaction.
In order to achieve the above object, in a third aspect, the present application further provides an electronic warranty system, including a cloud server, a transaction center system, and a plurality of financial institution systems; the cloud server is the cloud server; the transaction center system is in communication connection with the processor of the cloud server; and the financial institution systems are all in communication connection with the processor of the cloud server.
By adopting the technical scheme, a hardware environment is provided for safe and reliable operation of the reinsurance mode in the electronic insurance industry chain.
The transmission method, the acquisition card and the data transmission system provided by the application have the following comprehensive technical effects:
optimizing the business environment provides more financial institutions with qualification for business to choose from.
Optimizing market environment and providing a mode for expanding market business for the guarantee company.
The financial industry chain is enlarged, and insurance companies obtain associated services. The security box is safe and reliable, guarantees that the security box is true and has no tampering, and avoids the market expansion of a financial institution in a non-compliance mode for business collar running.
The new mode of insurance re-insurance can ensure the rights and interests of signers (beneficiaries), the enterprises can select more, the insurance company can obtain more business orders, and the insurance company is involved in increasing the benefits, so that the enterprises win in all aspects.
The system has strict rule configuration, and the real-time statistics function is added to monitor the guarantee balance of the guarantee company, so that real-time monitoring, accurate switching and seamless linking are realized, the record is encrypted and stored, the blockchain is checked, accuracy, no tampering and clear responsibility are ensured.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following description will briefly explain the drawings used in the embodiments or the description of the prior art, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained according to the structures shown in these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a block diagram of a hardware operating environment of an electronic policy issuing method according to an embodiment of the present application;
FIG. 2 is a flowchart of a method for electronic policy issuing according to an embodiment of the present application;
FIG. 3 is a flowchart of a method for screening financial institutions according to another embodiment of the present application;
FIG. 4 is a flowchart illustrating a financial institution list formation method in accordance with another embodiment of the present application;
FIG. 5 is a flow chart of a multi-stage screening of the financial institution listing of FIG. 4;
Fig. 6 is a schematic layer construction diagram of an electronic policy issuing method according to still another embodiment of the present application.
The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are only some, but not all embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
It should be noted that all directional indicators (such as up, down, left, right, front, and rear … …) in the embodiments of the present invention are merely used to explain the relative positional relationship, movement, etc. between the components in a particular posture (as shown in the drawings), and if the particular posture is changed, the directional indicator is changed accordingly.
Furthermore, descriptions such as those referred to as "first," "second," and the like, are provided for descriptive purposes only and are not to be construed as indicating or implying a relative importance or implying an order of magnitude of the indicated technical features in the present disclosure. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include at least one such feature. In the description of the present invention, the meaning of "plurality" means at least two, for example, two, three, etc., unless specifically defined otherwise.
In the present invention, unless specifically stated and limited otherwise, the terms "connected," "affixed," and the like are to be construed broadly, and for example, "affixed" may be a fixed connection, a removable connection, or an integral body; the device can be mechanically connected, electrically connected, physically connected or wirelessly connected; either directly or indirectly, through intermediaries, or both, may be in communication with each other or in interaction with each other, unless expressly defined otherwise. The specific meaning of the above terms in the present invention can be understood by those of ordinary skill in the art according to the specific circumstances.
In addition, the technical solutions of the embodiments of the present invention may be combined with each other, but it is necessary to be based on the fact that those skilled in the art can implement the technical solutions, and when the technical solutions are contradictory or cannot be implemented, the combination of the technical solutions should be considered as not existing, and not falling within the scope of protection claimed by the present invention.
Example 1
As shown in fig. 1, there is provided a transaction network system 1000 including a plurality of transaction nodes 100, each transaction node 100 including: the blockchain nodes 110, cloud server 120, and transaction center system 130, a plurality of blockchain nodes 110 make up a federated blockchain 200.
The construction of the federated blockchain 200 may be based on, for example, a Hyperledger Fabric blockchain network. The network concatenates the transaction center systems 130 and sets each transaction center system 130 individually into an organization. Each transaction center system 130 may be configured with a Peer node and a set of chain service devices. In order to ensure service redundancy and high reliability inside an organization, more than two Peer nodes and matched chain service devices can be configured. The Peer nodes of all organizations are in the same channel. Channels refer to private spaces that enable data storage and utilization between blockchain nodes.
In the process of trading network system 1000 application, the application entity generally involved includes a number of financial institution systems 300 and cloud servers 120 in addition to trading center system 130. Wherein bidding enterprises may register users with cloud server 120 foreground and transaction center system 130, respectively, through shared application tools, i.e., public resources. The federated blockchain 200 stores bid item information, encrypted electronic guaranties. The transaction center system 130 accesses the blockchain nodes 110 through the cloud server 120, uploads the bid item information and automatically synchronizes to all nodes on the chain. The cloud server 120 includes a foreground for allowing an unspecified terminal to log in and select items, select financial institutions, and submit electronic warranty applications via the internet; the background interacts with blockchain nodes, transaction center systems, and several financial institution systems.
Bidding enterprises can register users in the foreground of the cloud server 120 and the transaction center system 130 respectively, and communicate with the financial institution system 300 through the cloud server 120 to realize the submission of electronic warranty application data.
Example two
On the basis of the first embodiment, referring to fig. 2 and 3, the following describes in detail an electronic warranty provision method in combination with a transaction network system, and the method provided on the cloud server 120 side includes:
s100, pushing a project list according to received order data and a selected project request;
the enterprise user first needs to fill in enterprise information in the transaction center system 130 and register the user, and after logging in the user, the transaction center system 130 generates order data for applying for electronic insurance, interacts with the cloud service 120 and sends the order data to the background of the cloud server 120. The order data contains information such as password, enterprise name, credit code and the like set by the enterprise.
The enterprise user sends a project selecting request to the background through the front stage of the cloud server 120, the background of the cloud server 120 receives the order data and feeds back a project list to the front stage after the project selecting request, and in an embodiment of the application, the cloud server 120 downloads and pushes the bid-inviting project information to the user of the front stage by accessing the blockchain node 110. For example, the user may acquire the bid item information from the blockchain node 110 by scanning the two-dimensional code provided by the transaction node 100, select one of the bid items, and then transmit the selected bid item to the background. S200, receiving the selected items in the item list and primarily screening the financial institutions based on the selected item attributes to obtain a primary review financial institution list;
The background receives the item (namely the selected item) selected by the user based on the foreground and then acquires the item attribute information of the selected item; in another embodiment of the application, the project attribute information is stored in a block chain node, and a background is obtained by interaction with the block chain node, so that the mode has higher safety; the item attribute information can comprise important information such as an area to which the item belongs, an item type, a rating of an item target and the like; the background can perform preliminary screening on applicable financial institutions based on part or all of the information to obtain a primary review financial institution list.
The background body database stores information of a plurality of financial institutions in advance, for example, the financial institutions with warranty qualification in the area of the item can be queried based on the selected item;
in an embodiment of the present application, the cloud server 120, based on the item selected by the user, for example, a certain item of the sea opening, can extract the sea opening of the administrative area to which the item belongs based on the item name information, and then screen all financial institutions with warranty of the sea opening.
In another embodiment of the present application, based on the items selected by the enterprise user being stored in the blockchain node 110 in a unified data structure, the cloud server 120 interacts with the blockchain node 110 to obtain information such as the area to which the item belongs, the item attribute, and the amount of the item target based on the selected item code.
In yet another embodiment of the present application, information based on the region to which the selected item belongs, the item attribute, and the amount of the item target, etc. is appended to the selected item request in encrypted form, and is directly available after decryption in the background of the cloud server 120.
Referring to fig. 4 and 5, S200 specifically includes:
s201, calling a first mapping relation table of the area and the financial institution based on the area to which the project belongs;
a first mapping relation table of the areas and financial institutions is pre-stored in a cloud server background or a system local database, and each area in the first mapping relation table has a mapping relation with a plurality of financial institutions with guarantee qualification;
the blockchain node 110, the cloud server 120 or the transaction center system 130 stores a mapping relation table of an administrative region to which the project belongs and a financial institution in advance, and the administrative region and/or the specific financial institution can be stored in a directory index in the form of numbers or codes so as to improve the traversing and comparing speed.
S202, mapping relations are formed between each area in the first mapping relation table and a plurality of financial institutions with guarantee qualification;
acquiring a plurality of financial institutions with warranty in the current area based on the area to which the item belongs and the mapping relation table;
for example: the number of the sea opening is 30, and the corresponding financial institutions with warranty positioned at the sea opening comprise a plurality of financial institutions with codes 301, 302 and 303 … … respectively. The cloud server 120 can search the financial institutions 301, 302, 303, … … by traversing the area numbers in the map index directory based on the number 30.
S203, searching a financial institution with a mapping relation with the area to which the project belongs in the first mapping relation table, and obtaining a financial institution list with a guarantee qualification in the current area;
feeding back a plurality of financial institutions to a bidding enterprise obtained based on the Internet for selection;
the cloud server 120 screens out the financial institutions 301, 302, 303, … … to form a list of financial institutions that are eligible for vouching in the current area.
S204, calling a second mapping relation table of the type and the financial institution based on the item type;
s205, mapping relations are formed between each item type in the second mapping relation table and a plurality of financial institutions with guarantee qualification;
S206, searching financial institutions with mapping relation with the project types in the second mapping relation table, and obtaining a financial institution list matched with the project types;
the project types herein may be infrastructure (including traffic facilities such as roads, bridges, tracks, etc., information network facilities such as communication base stations, etc., power transmission facilities such as electric network, etc.), buildings (including residential houses, industrial buildings, public buildings, etc.), greening (including parks, artificial lakes, etc.), etc., according to the project; each type of item matches a different financial institution, for example: large buildings only allow financial institutions such as banks to serve as guarantee institutions, but do not allow general financial institutions to guarantee, and some small-sized items match the general financial institutions; such classification facilitates the construction of benign transaction orders and promotes efficient operation of financial institutions.
It should be noted that, the steps S201-203 are taken as a whole, the steps S204-206 are taken as a whole, and the sequence of the two whole can be exchanged, for example, the steps S204-206 are executed, and the steps S201-203 are executed again; the formation of the list of primary financial institutions is not affected as a whole.
S207, a primary review financial institution list is formed based on the financial institution list with the warranty qualification in the current area and the financial institutions matched with the project types.
The list obtained in S203 and the list obtained in step S206 are intersected (common financial institution) to form a preliminary examination financial institution list.
S300, acquiring the guarantee responsibility and the guarantee upper limit of the financial institutions in the initial review financial institution list based on the target amount of the selected item and interaction of the transaction center system; performing secondary screening on the primary review financial institution list;
the target amount of the selected item can be obtained from the item attribute information, the guarantee responsibility and the guarantee upper limit of the financial institution can be obtained from a local database, and can be directly or indirectly stored in the transaction center system 130 or the blockchain node 110, and can be directly obtained through interaction with stored equipment when being directly stored; and in the indirect storage process, secondary processing and calculation are required to be carried out on the data obtained through interaction.
S300 specifically includes:
s301, acquiring a guarantee upper limit of any financial institution in the initial review financial institution list from a local database;
s302, the accumulated guarantee amount of the financial institution is obtained through interaction with a transaction center system;
the transaction center system records single guarantee data of each financial institution in the initial review financial institution list, and the accumulated guarantee amount is obtained after the sum of all the single guarantee data of one financial institution is accumulated;
S303, configuring a deposit amount based on the target amount of the selected item;
the configuration can be background direct configuration or configuration based on the selection of a user through a foreground, and the gold amount is guaranteed to be related to the guarantee proportion, and if the guarantee proportion is not selectable, the former is adopted; the latter is employed if the vouchers are selectable.
Configuring a deposit amount based on the selected item and feeding back the deposit amount to the foreground;
because of the different nature of bidding projects, bidding enterprises are required to provide guarantees with different limits, in order to facilitate users to quickly match to financial institutions to have guarantees through the cloud server 120, the obtained project attribute configuration accords with the specified guarantee proportion, and it is required to explain that the feedback is provided to the foreground, the guarantee proportion is unique in some projects, but not unique in other projects, and a plurality of gradients are provided for clients to select. The guarantee proportion refers to the guarantee proportion of the item target, and the rules based on the guarantee law can be a plurality of guarantee gradients of 30%, 50%, 80% or 100%; bidding enterprises may choose based on their own asset competence.
S304, acquiring the guarantee responsibility of the financial institution according to the sum of the accumulated guarantee amount and the guarantee amount of the financial institution;
S305, traversing all financial institutions in the primary review financial institution list to obtain the guarantee responsibilities and the guarantee upper limit of all financial institutions;
confirming whether the guarantee responsibility of the financial institution exceeds a guarantee upper limit based on the financial institution and the deposit amount selected by the user; the cloud server 120 may interactively obtain the financial institution's underwriting responsibilities and the upper underwriting limit for the docket based on the transaction center system 130 and calculate whether the present deposit amount is satisfied based on the difference between the two. To prevent the transaction records or vouch balances of a financial institution from being tampered with, the records may be stored at blockchain node 200 for certification or encrypted storage.
The step of configuring the deposit amount based on the target amount of the selected item S303 specifically includes:
s31, pre-storing a mapping relation table of item types and guarantee proportion; a mapping relation exists between each item type and a plurality of guarantee proportions in the mapping relation table;
the background is locally pre-stored with a mapping relation table of item types and guarantee proportion; a mapping relation exists between each item attribute and a plurality of guarantee proportions in the mapping relation table;
for example, the item type is class A, the target amount guarantee proportion is more than 50%, the item attribute is class B, and the target amount guarantee proportion is more than 70%.
S32, obtaining a plurality of guarantee proportions of the project based on the project type and the mapping relation and feeding back the guarantee proportions;
when the selected item attribute is level a, the cloud server 120 traverses the item attribute in the mapping relationship table directory index and searches for the corresponding item a, so that the guarantee proportion corresponding to a, for example, the integer percentage above 50%, can be obtained, a gradient can be set according to every 10 percentage points, and 50%, 60%, 70%, 80%, 90%, 100%, or a gradient can be set according to every 5 percentage points, and 50%, 55%, 60%, 65%, 70%, 75%, 80%, 85%, 90%, 95%, 100%.
S33, obtaining a deposit amount based on the target amount of the selected item and the received guarantee proportion;
when the selected item type is class a, the cloud server 120 feeds back an integer percentage of 50% or more to the foreground, and a gradient is set for every 10 percentage points, 50%, 60%, 70%, 80%, 90%, 100% is fed back, and a gradient is set for every 5 percentage points, 50%, 55%, 60%, 65%, 70%, 75%, 80%, 85%, 90%, 95%, 100% is fed back.
S400, reserving the financial institution when the guarantee responsibility of the financial institution exceeds the guarantee upper limit and joint guarantee exists or when the guarantee responsibility of the financial institution does not exceed the guarantee upper limit;
Step a of determining whether the financial institution's vouching responsibilities exceed an upper vouching limit comprises:
s401, comparing the guarantee responsibility of the financial institution with the guarantee upper limit;
s402, confirming that the guarantee responsibility of the financial institution does not exceed the guarantee upper limit when the guarantee responsibility is less than or equal to the guarantee upper limit;
s403, confirming that the guarantee responsibility of the financial institution exceeds the guarantee upper limit when the guarantee responsibility is larger than the guarantee upper limit of the financial institution.
When the sum of the accumulated guarantee amount of a certain financial institution and the guarantee amount of the selected item (namely, the guarantee responsibility) is less than or equal to the guarantee upper limit of the financial institution, the system confirms that the financial institution can be independently guaranteed, and all the financial institutions with independent guarantee qualification in the initial review financial institution list can be screened out and reserved through the screening program.
Step B of determining that the underwriting responsibility at the financial institution exceeds the underwriting upper limit and that joint underwriting exists comprises:
s404, inquiring whether the financial institution has joint guarantee or not when the guarantee responsibility of the financial institution exceeds the guarantee upper limit;
s405, switching to a joint guarantee mode when the financial institution has joint guarantee;
S406, deleting the financial institutions in a primary review financial list when the financial institutions do not have joint coverage;
the step S405 of switching joint guarantee includes:
s41, extracting the guaranty amount of the joint guaranty;
s42, allowing the joint guarantee and reserving the financial institutions in the initial review financial institution list when the guarantee amount of the joint guarantee is greater than or equal to the deposit amount of the selected item;
and S43, when the guarantee amount of the joint guarantee is smaller than the guarantee amount of the selected item, the joint guarantee is not allowed and the financial institutions are deleted in the initial review financial institution list.
The sum of the two parts obtained in step a and step B together forms the final list of financial institutions.
S500, generating a final financial institution list based on reserved financial institutions and feeding back the final financial institution list;
the background feeds back the final-audit financial institution list to the foreground for the enterprise user to select, after the user selects a financial institution, contact information is input in the foreground, enterprise information is extracted and interacted with the transaction center system 130 to verify the enterprise information, wherein the verification is whether the enterprise information in the cloud server side order data is consistent with the information submitted by the enterprise user when the enterprise user registers in the transaction center system, specifically referring to step S61-63, and the non-enterprise user is prevented from submitting false warranty through the cloud server.
S600, receiving the selected financial institutions in the final financial institution list, generating a warranty order and sending the warranty order to the selected financial institution systems.
When the guarantee responsibility of the financial institution exceeds the guarantee upper limit and the joint guarantee exists, switching the joint guarantee and generating a guarantee order based on the information allowing the joint guarantee and sending the order to the transaction center system.
When the financial institutions and the cooperative insurance companies sign and combine, the insurance companies and the financial institutions can develop reinsurance business after being checked and authenticated, and the insurance contract needs to be checked and recorded; authentication by cloud server 120 may improve security of the service. In addition, the reinsurance mode requires that the same guarantee organization can only sign up for reinsurance business with one insurance company, and has exclusive sign up to ensure benefits of beneficiaries.
S600 includes the steps of:
s61, allowing independent underwriting and generating independent warranty orders to the financial institution systems when the received warranty responsibility of the selected financial institution does not exceed the upper warranty limit;
and S62, allowing joint guarantee and generating a joint guarantee order to the financial institution system when the received guarantee responsibility of the selected financial institution exceeds the guarantee upper limit and joint guarantee exists.
The step of determining whether to allow the vouching includes:
s601, extracting the amount of the deposit of the joint guarantee;
the amount of the bond-guaranteed deposit is extracted based on the insurance contract made by the selected financial institution and the insurance company.
And S602, allowing the joint guarantee and generating a joint guarantee order to be sent to a transaction center system when the sum of the deposit amounts of the joint guarantees is greater than or equal to the deposit amount of the selected item.
To improve the security of the warranty, the identity needs to be confirmed by encryption and decryption, and the method further comprises the following steps before generating the warranty order:
s061, acquiring enterprise information and feeding back to a transaction center system for verification;
s062 receives feedback of a transaction center system based on a comparison result of the enterprise information and the stored information, and sends a project information verification request;
s063, receiving a project information verification result which is requested and fed back by the transaction center system based on the project information verification;
s064, generating an insurance order and sending the insurance order to the selected financial institution system when the verification result is successful;
s065, ending the flow when the verification result fails.
The method further comprises the following steps of:
s610, sending a payment link based on the pass-through information fed back by the selected financial institution;
The financial institution carries out wind control audit inside after receiving the order, if the risk is not found in the assessment, the information passing through is fed back to the cloud server background, a payment link is sent, the cloud server background pushes the payment link to the foreground for payment of a user, and after the payment of the user is successful, the financial institution sends information that the letter is successful to the cloud server background; otherwise, if the financial institution does not pass the risk audit, feeding back the information of the letter outlet failure to the cloud server background.
S620, when receiving the letter output information fed back by the selected financial institution based on the successful payment, pushing the letter output success information and ending the flow.
The cloud server background sends the successful letter outlet information to the transaction center system, and the transaction center system ends the flow; and when receiving the information of the letter outlet failure, the cloud server background sends the information to a transaction center system, and the transaction center system finishes the flow.
Referring to fig. 6, in the hierarchical design of the blockchain system, the user layer is disposed in the cloud server foreground, the service layer and the cross-layer functions are disposed in the cloud server background, the core layer is disposed in the transaction center system, and the base layer is disposed in the blockchain node.
The foregoing description is only of the preferred embodiments of the present invention and is not intended to limit the scope of the invention, and all equivalent structural changes made by the specification and drawings of the present invention or direct/indirect application in other related technical fields are included in the scope of the present invention.

Claims (7)

1. An electronic warranty issuing method is characterized by comprising the following steps:
pushing an item list according to the received order data and the selected item request;
receiving the selected items in the item list and performing preliminary screening on the financial institutions based on the selected item attributes to obtain a primary review financial institution list;
the method comprises the steps of obtaining the guarantee responsibility and the guarantee upper limit of a financial institution in a primary review financial institution list based on the target amount of a selected item and interaction of a transaction center system; performing secondary screening on the primary review financial institution list;
retaining a financial institution when the financial institution's underwriting responsibility exceeds an underwriting upper limit and joint underwriting exists, or when the financial institution's underwriting responsibility does not exceed the underwriting upper limit;
generating a final financial institution list based on the reserved financial institutions and feeding back;
receiving a selected financial institution in the final financial institution list, generating a warranty order, and transmitting the order to the selected financial institution system;
the item attributes include: the region to which the item belongs, the item type, and the amount of the item target;
the step of obtaining the selected item attribute comprises:
extracting a selected item attribute from local data based on the selected item;
or based on the interaction of the selected item and the blockchain node, obtaining the item belonging area, the item type and the item target of the selected item; the step of receiving the selected items in the list of items and initially screening the financial institutions for a list of primary review financial institutions based on the selected item attributes includes:
Calling a first mapping relation table of the area and the financial institution based on the area to which the item belongs;
each area in the first mapping relation table has a mapping relation with a plurality of financial institutions with guarantee qualification;
searching a financial institution with a mapping relation with the area to which the project belongs in a first mapping relation table to obtain a financial institution list with a guarantee qualification in the current area;
invoking a second mapping relation table of the type and the financial institution based on the item type;
each item type in the second mapping relation table has a mapping relation with a plurality of financial institutions with guarantee qualification; searching financial institutions with mapping relation with the item types in the second mapping relation table, and obtaining a financial institution list matched with the item types;
forming a primary review financial institution list based on the financial institution list with the warranty qualification in the current area and the financial institutions which are matched with the project types and are common in the financial institution list;
the step of interactively acquiring the guarantee responsibility and the guarantee upper limit of the financial institutions in the initial review financial institution list with the transaction center system based on the target amount of the selected item comprises the following steps of;
acquiring a guarantee upper limit of any financial institution in the initial review financial institution list from a local database;
The accumulated guarantee amount of the financial institution is obtained through interaction with a transaction center system;
configuring a deposit amount based on the target amount of the selected item;
obtaining the guarantee responsibility of the financial institution according to the sum of the accumulated guarantee amount and the deposit amount of the financial institution;
traversing all financial institutions in the initial review financial institution list to obtain the guarantee responsibility and the guarantee upper limit of all financial institutions;
the step of configuring the deposit amount based on the target amount of the selected item includes:
a mapping relation table of item types and guarantee proportion is pre-stored; a mapping relation exists between each item type and a plurality of guarantee proportions in the mapping relation table;
obtaining a plurality of guarantee proportions of the project based on the project type and the mapping relation and feeding back the guarantee proportions;
obtaining a deposit amount based on the target amount of the selected item and the received guarantee proportion;
the step of determining whether the financial institution's vouching responsibilities exceed a vouching upper limit comprises:
comparing the financial institution's vouching responsibilities with the vouching upper limit;
confirming that the financial institution's vouching responsibilities do not exceed an upper vouching limit when the vouching responsibilities are less than or equal to the upper vouching limit; and confirming that the guarantee responsibility of the financial institution exceeds the guarantee upper limit when the guarantee responsibility is larger than the guarantee upper limit of the financial institution.
2. The electronic warranty development method of claim 1, wherein said step of generating a final-audit financial institution list comprises:
retaining the financial institution in the list of primary-review financial institutions when the financial institution's vouching responsibilities do not exceed the vouching upper limit;
querying whether a financial institution has joint guarantee when the guarantee responsibility of the financial institution exceeds the guarantee upper limit;
switching to a joint guarantee mode when the financial institution has joint guarantee;
deleting the financial institution in a preliminary examination financial list when the financial institution does not have joint coverage;
the step of switching joint guarantee comprises the following steps:
extracting the guaranty amount of the joint guaranty;
allowing the joint guarantee and reserving the financial institutions in the initial review financial institution list when the guarantee amount of the joint guarantee is greater than or equal to the guarantee amount of the selected item;
and when the guarantee amount of the joint guarantee is smaller than the guarantee amount of the selected item, the joint guarantee is not allowed and the financial institutions are deleted in the initial review financial institution list.
3. The method of claim 2, wherein the step of receiving a selected financial institution in the final list of financial institutions, generating an order for the warranty, and transmitting the order to the selected financial institution system comprises:
Allowing independent underwriting and generating independent warranty orders to the financial institution systems when the received underwriting responsibilities of the selected financial institution do not exceed the upper underwriting limit;
when the received vouching responsibilities of the selected financial institution exceed the vouching upper limit and there is a joint vouching, joint vouching is allowed and a joint vouching order is generated to the financial institution system.
4. A method of electronic policy creation according to any of claims 1 to 3, further comprising, prior to generating the policy order:
acquiring enterprise information and feeding back to a transaction center system for verification;
receiving feedback of a transaction center system based on a comparison result of the enterprise information and the stored information, and sending a project information verification request; receiving a project information verification result which is requested and fed back by the transaction center system based on the project information verification;
generating an insurance order and transmitting the insurance order to the selected financial institution system when the verification result is successful;
and ending the flow when the verification result fails.
5. The method of claim 4, further comprising, after sending the policy order to the selected financial institution system:
transmitting a payment link based on the pass through information fed back by the selected financial institution;
And when receiving the letter output information fed back by the selected financial institution based on the successful payment, pushing the letter output success information and ending the flow.
6. A cloud server, comprising:
a memory storing an electronic policy creation program;
a processor for executing the steps of the method of any one of claims 1 to 5 when running the electronic warranty development program; one end is used for being in communication connection with a transaction center system of the declaration project, and the other end is used for being in communication connection with a financial institution system.
7. An electronic warranty system, comprising:
a cloud server as claimed in claim 6;
the transaction center system is in communication connection with the processor of the cloud server;
and the financial institution systems are in communication connection with the processor of the cloud server.
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