Electronic warrant full-process management and risk management and control system based on block chain

Abstract

The invention, which relates to the technical field of the electronic warranty, discloses a blockchain-based electronic warranty full-process management and risk management and control system comprising a blockchain smart contract, an electronic warranty management platform and a credit risk assessment module. A user sends an insurance request to the electronic warranty management platform through the block chain smart contract, and the electronic warranty management platform calls a credit risk assessment module to verify a corresponding user identity after receiving the insurance request, and judges whether the insurance request is within a credit risk security level; then, the request passing the credit risk assessment is returned to the warranty issuing module, and the warranty issuing module is used for analyzing the received insurance request and checking and replying the insurance request in sequence according to the risk coefficient; and the warranty distribution module is used for encrypting the electronic warranty through the warranty access gateway and then distributing the encrypted electronic warranty to a storage address specified by the electronic warranty management platform through a specified transmission mode, so that the electronic warranty is effectively prevented from being tampered, and the data security is improved.

Description

technical field [0001] The invention relates to the technical field of electronic guarantees, in particular to a block chain-based electronic guarantee process management and risk control system. Background technique [0002] Electronic guarantee is a product of the information age. Like paper guarantee, it is an electronic guarantee certificate issued to the beneficiary by banks, insurance companies, guarantee companies or other guarantors at the request of the policyholder. When the responsibilities or obligations can be fulfilled according to the agreement between the two parties, the guarantor will perform a certain payment or economic compensation liability within a certain amount and within a certain time limit on behalf of the guarantor. [0003] However, the existing electronic guarantee system lacks an effective credit investigation system and perfect risk prevention measures, and it is difficult to eradicate the problem of counterfeit and shoddy products in the sup...

AI Technical Summary

Problems solved by technology

[0003] However, the existing electronic guarantee system lacks an effective credit investigation system and perfect risk prevention measures, and it is difficult to eradicate the problem of counterfeit and shoddy products in the supply chain under the background of economic globalization and the credit risks caused by them; banks, insurance companies, guarantee companies or In addition to worrying about the ability and willingness of the policyholder to perform the contract, other guarantors also need to invest manpower and material resources to verify the authenticity of the transaction, which increases additional risk control costs, and the reliability of the existing electronic guarantee data is low. And it is easy to be tampered with. Therefore, we propose a blockchain-based electronic letter of guarantee full-process management and risk control system

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