Transaction guarantee method and device

Abstract

Embodiments of the invention provide a transaction guarantee method and apparatus. The transaction guarantee method comprises the steps of obtaining a guarantee type contained in a transaction guarantee template used for performing transaction guarantee by a transaction party in a transaction guarantee project; performing guarantee credit evaluation on the first transaction party according to thecredit behavior data of the first transaction party in the transaction parties; determining a guarantee strategy based on the guarantee type and the evaluation result of the guarantee credit evaluation; under the condition of generating guarantee details of a target guarantee scheme in the guarantee strategy, adding the guarantee details to the transaction guarantee template; and based on the signing instruction submitted by the transaction party for the added transaction guarantee template, generating a transaction guarantee protocol.

Description

technical field [0001] The embodiment of this specification relates to the field of Internet technologies, and in particular to a transaction guarantee method. One or more embodiments of this specification also relate to a transaction assurance device, a computing device, and a computer-readable storage medium. Background technique [0002] Small and micro enterprises often conduct transactions among small and micro enterprises in daily business activities. However, due to the imperfect management, credit system and awareness of small and micro enterprises, small and micro enterprises often cause transaction friction in the process of transactions, which eventually leads to business failures. Risks are rising, and in some transaction scenarios, because there is no insurance or guarantee, it often hinders the conclusion of the transaction or causes losses to one of the parties. For small and micro enterprises limited by their own strength, it is often difficult to find insura...

AI Technical Summary

Problems solved by technology

[0002] Small and micro enterprises often conduct transactions among small and micro enterprises in daily business activities. However, due to the imperfect management, credit system and awareness of small and micro enterprises, small and micro enterprises often cause transaction friction in the process of transactions, which eventually leads to business failures. Risks are rising, and in some transaction scenarios, because there is no insurance or guarantee, it often hinders the conclusion of the transaction or causes losses to one of the parties. For small and micro enterprises limited by their own strength, it is often difficult to find insurance / guarantee Institutions guarantee their small transactions, because as insurance / guarantee institutions, they also lack effective data / credit assessment capabilities to provide protection for these small and micro enterprises, so more flexible and effective solutions are needed

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