The whole process management and risk control system of electronic letter of guarantee based on blockchain

Abstract

The invention discloses a block chain-based electronic letter of guarantee full-process management and risk control system, which relates to the technical field of electronic letters of guarantee, including block chain smart contracts, electronic letter of guarantee management platforms and credit risk assessment modules; The electronic letter of guarantee management platform sends an insurance application request. After receiving the insurance application request, the electronic letter of guarantee management platform calls the credit risk assessment module to verify the identity of the corresponding user, and judges whether the insurance application request is within the credit risk safety level; then returns the request that passes the credit risk assessment. To the letter of guarantee issuance module, the letter of guarantee issuance module is used to analyze the insurance application received, and to review and approve the insurance application request in turn according to the risk factor; the letter of guarantee distribution module is used to encrypt the electronic letter of guarantee through the letter of guarantee access gateway and pass the specified The transmission method is distributed to the storage address specified by the electronic letter of guarantee management platform, which can effectively prevent the electronic letter of guarantee from being tampered with and improve data security.

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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