Online warranty service processing method and system and electronic equipment

Abstract

The invention provides an online warranty service processing method and system and electronic equipment, and relates to the technical field of data processing. According to the specific implementation scheme, the method comprises the following steps: obtaining a warranty application material corresponding to a target warranty type uploaded by a warranty applicant, wherein the warranty application material comprises basic application information and a necessary certification file; auditing the warranty application data based on the target warranty type, and determining a target guarantee institution providing services for the warranty applicant; and sending the approved warranty application data to a target guarantee institution to handle warranty business. According to the technical scheme of the invention, the method can effectively improve the full-process automation level of an online warranty service, reduces the manual intervention link, achieves the intelligent matching of a guarantee institution and a warranty application demand, effectively solves the problems that data auditing depends on manpower, and a user needs to upload redundant data in an existing platform, and remarkably shortens the service handling period.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of data processing, and in particular to a processing method and system for online guarantee letter business and an electronic device. BACKGROUND

[0002] The separate guarantee letter is a common credit guarantee form in the financial field, and its core business logic includes: a guarantee company provides a joint and several liability guarantee for an applicant, a bank as a final opening body, upon the request of the applicant and in accordance with the guarantee commitment of the guarantee company, issues a written credit guarantee voucher to a beneficiary, and clearly stipulates that when the applicant fails to perform the agreed responsibilities or obligations with the beneficiary, the bank will replace the applicant to perform the payment or compensation responsibilities within the agreed amount and period, and the guarantee company will bear the corresponding guarantee responsibilities for the bank.

[0003] With the continuous development of financial technology, the application of Internet technology in the field of financial services is becoming increasingly widespread, and the guarantee letter business is gradually transforming online. Although some existing online guarantee letter service platforms on the market have realized the online processing of part of the guarantee letter business links, they still cannot automatically audit and verify the application materials, resulting in low efficiency of the audit and failing to meet the needs of users to quickly handle the guarantee letter business. SUMMARY

[0004] The embodiments of the present application provide a processing method, system and electronic device for online guarantee letter business to solve the problem that the online guarantee letter service platform is difficult to automatically audit the guarantee letter application materials.

[0005] In a first aspect, the embodiments of the present application provide a processing method for online guarantee letter business, comprising: obtaining guarantee letter application data corresponding to a target guarantee letter type uploaded by a guarantee letter applicant, the guarantee letter application data including basic application information and necessary proof files; auditing the guarantee letter application data based on the target guarantee letter type, and determining a target guarantee institution providing services for the guarantee letter applicant; sending the guarantee letter application data that passes the audit to the target guarantee institution to handle the guarantee letter business.

[0006] In some embodiments, auditing the guarantee letter application data based on the target guarantee letter type, and determining the target guarantee institution providing services for the guarantee letter applicant, comprises: calling a target audit rule matched with the target guarantee letter type in an audit rule library, the target audit rule including a data audit rule and an institution matching rule; performing data audit on the guarantee letter application data based on the data audit rule; and if the data audit passes, determining the target guarantee institution in the cooperative guarantee institution based on the institution matching rule and the guarantee letter application data.

[0007] In some embodiments, the information auditing of the guarantee application information is performed based on information auditing rules, including: performing keyword matching and field completeness checking on basic application information; performing format checking on the basic application information based on a preset regular expression; extracting core fields in necessary proof files based on a preset template, and performing consistency checking on the core fields and corresponding information in the basic application information; and performing file clarity and file validity checking on the necessary proof files.

[0008] In some embodiments, the target guarantee institution is determined in the cooperative guarantee institutions based on the institution matching rules and the guarantee application information, including: determining at least one candidate guarantee institution matched with the guarantee application information in the cooperative guarantee institutions based on the institution matching rules and the guarantee application information; calculating recommendation degrees of the candidate guarantee institutions, and determining the candidate guarantee institution with the highest recommendation degree as the target guarantee institution.

[0009] In some embodiments, the institution matching rules include at least one of guarantee amount matching, guarantee validity period matching, guarantee project type matching, and guarantee applicant region matching.

[0010] In some embodiments, the method further includes: if the information auditing fails, generating application information adjustment information based on the reason for the failure, the application information adjustment information including information to be corrected and / or information to be supplemented; and pushing the application information adjustment information to the guarantee applicant.

[0011] In some embodiments, after determining the target guarantee institution providing services for the guarantee applicant, the method further includes: obtaining information requirement information of the target guarantee institution; performing verification on the guarantee application information based on the information requirement information, and generating information supplement information in a case where the guarantee application information does not match the information requirement information; pushing the information supplement information to the guarantee applicant, and sending the supplement information to the target guarantee institution after receiving the supplement information from the guarantee applicant.

[0012] In some embodiments, the method further includes: monitoring the progress of the guarantee business; in response to receiving a progress query request sent by the guarantee applicant, pushing the progress of the guarantee business to the guarantee applicant; and in response to receiving a guarantee file feedback from the target guarantee institution, pushing a guarantee business completion notification to the guarantee applicant.

[0013] In a second aspect, the embodiments of the present application provide a processing system for online guarantee business, including: The guarantee application module is configured to display a corresponding guarantee application page according to a guarantee type selected by a user, and prompt the user to input basic application information and upload necessary proof files in the guarantee application page, so as to form guarantee application information. The guarantee review module is configured to review the guarantee application data according to the processing method of the online guarantee service of any of the embodiments of the first aspect of the present application, determine a target guarantee institution for providing services to the user, and send the guarantee application data that passes the review to the target guarantee institution to handle the guarantee service; The approval progress management module is configured to track the handling progress of the guarantee service, update the guarantee progress information according to the handling progress of the guarantee service, and push the guarantee progress information to the user.

[0014] In a third aspect, an electronic device is provided, including a memory, a processor, and a computer program stored in the memory, and the processor implements the method of any of the embodiments of the present application when executing the computer program.

[0015] Based on the method of the embodiments of the present application, the full-process automation level of the online guarantee service can be effectively improved, the manual intervention link is reduced, the intelligent matching of the guarantee institution and the guarantee application demand is realized, the problems such as manual dependence of data review and redundant data uploaded by the user in the existing platform are effectively solved, and the business handling period is significantly shortened.

[0016] The above description is only a summary of the technical solutions of the present application. In order to more clearly understand the technical means of the present application, the embodiments can be implemented according to the content of the description, and in order to make the above and other purposes, characteristics and advantages of the present application more obvious and easy to understand, the following specific embodiments of the present application are described. BRIEF DESCRIPTION OF DRAWINGS

[0017] The accompanying drawings are used to better understand the present application and do not constitute a limitation of the present application. Among them: Figure 1 is a flowchart of the processing method of the online guarantee service provided by an exemplary embodiment of the present application Figure 1 ; Figure 2 is an application interface diagram of the bid guarantee provided by an exemplary embodiment of the present application Figure 3 is a flowchart of the processing method of the online guarantee service provided by an exemplary embodiment of the present application Figure 2 ; Figure 4 is a flowchart of the processing method of the online guarantee service provided by an exemplary embodiment of the present application Figure 3 ; Figure 5 is a flowchart of the processing method of the online guarantee service provided by an exemplary embodiment of the present application Figure 4 ; Figure 6 is a system architecture diagram of the processing system of the online guarantee service provided by an exemplary embodiment of the present application Figure 7 is a block diagram of an electronic device for implementing embodiments of the present application. DETAILED DESCRIPTION

[0018] In the following, only certain exemplary embodiments are simply described. As those skilled in the art can recognize, the described embodiments can be modified in various different ways without departing from the concept or scope of the present application. Therefore, the drawings and the description are considered to be exemplary in nature, rather than limiting.

[0019] To facilitate understanding of the technical solutions of the embodiments of the present application, the related technologies of the embodiments of the present application are described below. The following related technologies can be combined with the technical solutions of the embodiments of the present application in any way as optional solutions, and all belong to the protection scope of the embodiments of the present application.

[0020] Application scenarios With the continuous development of financial technology, the application of Internet technology in the field of financial services is becoming increasingly widespread, and the letter of guarantee business is gradually transforming online. In the traditional letter of guarantee business process, the applicant needs to personally submit paper application materials to banks and other financial institutions, and banks and other institutions arrange special auditors for manual audit. After the audit is passed, subsequent fee payment, signing and other links are carried out. The whole process takes a long time, and is limited by factors such as region and time, which seriously affects the business efficiency.

[0021] At present, some online letter of guarantee service platforms have appeared in the market. The existing online letter of guarantee service platform includes the following three stages for the application process of online letter of guarantee business: The first stage (user initiates application): The user needs to select a specific letter of guarantee type (such as performance guarantee, bid guarantee, etc.) on the letter of guarantee service platform, and then fill in the basic application materials (such as enterprise qualification information, letter of guarantee related business background, etc.) according to the requirements. After confirming that there is no error, the application is submitted.

[0022] After the service platform receives the application, it will perform basic checks (such as data integrity, format standardization, etc.) and qualification review on the data submitted by the enterprise. After the audit is passed, the service platform will push the audited data to the cooperating guarantee company.

[0023] The second stage (guarantee company audit): the guarantee company receives the enterprise application data transmitted by the service platform, and based on risk control, business compliance, enterprise repayment ability and other dimensions, the data is comprehensively audited (such as checking the enterprise financial statements, credit records, and business contract authenticity), if the audit finds that the data provided by the enterprise is incomplete or questionable, the guarantee company will reject the application to the service platform and note the reason for rejection (such as lack of certain qualification certificate, certain document needs to be supplemented with signature and seal, etc.), if the audit is passed, the guarantee company will submit the enterprise application to the cooperative bank, and at the same time, attach the guarantee opinion issued by the guarantee company (such as agreeing to guarantee, guarantee limit, etc.), and enter the third stage of guarantee letter issuance process.

[0024] The third stage (bank approval and guarantee letter issuance): the bank conducts final approval on the application data and the guarantee opinion of the guarantee company, and the audit dimensions include business compliance, guarantee company qualification, enterprise risk level, etc.; if the audit is passed, the bank confirms that it enters the guarantee letter issuance process, and notifies the guarantee company of the approval result; if the audit is not passed, the bank will notify the guarantee company of the unapproved result, and the guarantee company needs to notify the user through the service platform, and the business process is terminated.

[0025] For the above existing online guarantee letter business application process, there are still many defects: (1) Although the guarantee letter service platform can receive the application data uploaded by the user, manual audit of the application data is still required, which is low in efficiency and cannot meet the needs of enterprise users to quickly handle the guarantee letter business; (2) Different guarantee companies may have different application data files required for the same type of guarantee letter business. The existing online guarantee letter service platform, in order to meet the application data requirements of each guarantee company, often requires the user to upload many types of data files (including but not limited to financial statements, tax statements, bank flow, bid-winning documents, contract list, production site lease contract, office site lease contract, etc.) when the user initiates the application. Among these data files, there may be files that are not needed by the guarantee company determined later, but preparing these files may consume a lot of time for the applicant, causing inconvenience to the user.

[0026] Therefore, the present application provides an online guarantee letter business processing method, by pre-configuring an audit rule library, the corresponding target audit rule can be quickly called for different guarantee letter types, realizing automatic and standardized audit of guarantee letter application data, effectively improving the whole process automation level of online guarantee letter business, reducing manual intervention links, and significantly shortening the business handling period.

[0027] Furthermore, the online guarantee service provided in this application only requires users to upload basic application information and necessary supporting documents when uploading application materials. Once the platform matches the final guarantor based on the review rules, it can provide a supplementary document stage based on the final guarantor's application material requirements (if no additional documents are required, no supplementary documents are needed). This reduces the redundancy of the initial uploaded materials by the applicant, avoids the time wasted by the applicant in preparing unnecessary materials, and meets the personalized needs of different guarantor institutions, further enhancing the flexibility and adaptability of the online guarantee service.

[0028] Exemplary methods Figure 1 This is a flowchart illustrating an exemplary embodiment of the online guarantee business processing method provided in this application. This embodiment can be applied to electronic devices and the processing system of online guarantee service platforms, such as... Figure 1 As shown, the method includes steps S110-S130: Step S110: Obtain the guarantee application materials corresponding to the target guarantee type uploaded by the guarantee applicant. The guarantee application materials include basic application information and necessary supporting documents.

[0029] The types of guarantees can include bid bonds, performance bonds, prepaid bonds, quality assurance bonds, etc. For corporate users, the basic application information can include basic corporate information, such as corporate name, corporate nature, unified social credit code, industry, legal person information, registered capital, registered address and business license, etc. The basic corporate information can be bound and maintained with the corporate user's account, and then used each time the corporate user applies for a guarantee business.

[0030] The basic application information may also include the necessary application information corresponding to the target guarantee type, and the necessary supporting documents may be the supporting documents corresponding to the target guarantee type. Figure 2 This is a schematic diagram of the application interface for a bid bond provided in an exemplary embodiment of this application, as shown below. Figure 2 As shown, the necessary application information for a bid bond includes the project name, project number, bid deadline, tendering entity, and guarantee amount. The necessary supporting documents to be uploaded include the tender (procurement) documents issued by the tendering party and the guarantee text designated by the guarantee beneficiary.

[0031] Step S120: Review the guarantee application materials based on the target guarantee type and determine the target guarantee institution that will provide services to the guarantee applicant.

[0032] For example, such as Figure 3 As shown, step S120 involves reviewing the guarantee application materials based on the target guarantee type and determining the target guarantee institution to provide services to the guarantee applicant, including steps S301-S303: Step S301, a target audit rule matching the target guarantee letter type is called in the audit rule library, and the target audit rule includes a data audit rule and an agency matching rule.

[0033] The audit rule library can be pre-configured in the system of the guarantee letter service platform, and the audit rule library corresponds to corresponding audit rules based on different guarantee letter types. The corresponding target audit rule can be matched in the audit rule library based on the guarantee letter type to which the guarantee letter application data uploaded by the user belongs, and the target audit rule is used to audit the guarantee letter application data. The data audit rule can be used to audit the file format and data form of the guarantee letter application data, and the agency matching rule can be used to match the appropriate guarantee agency.

[0034] Step S302, data auditing is performed on the guarantee letter application data based on the data audit rule.

[0035] In some embodiments, the process of data auditing on the guarantee letter application data can include: using keyword matching and field completeness checking on basic application information; performing format checking on the basic application information based on a preset regular expression; extracting core fields in necessary proof files based on a preset template, and performing consistency checking on the core fields and corresponding information in the basic application information; performing file clarity and file validity checking on the necessary proof files.

[0036] The keyword matching can quickly locate whether there is missing or incorrect key content in the basic application information through a preset industry term library, a list of mandatory field keywords, etc. The field completeness checking checks whether the basic application information contains all necessary items according to the list of mandatory fields corresponding to the target guarantee letter type, to ensure that the information is not missing. The core field extraction preset template defines fixed data extraction areas and format rules according to different types of necessary proof files (such as business license, contract file, etc.), and then compares the extracted core fields with the corresponding fields in the basic application information. If it is found that the two are inconsistent (such as spelling difference of enterprise name, registration address mismatch, etc.), a consistency checking exception prompt is triggered. The file clarity checking analyzes parameters such as resolution and text recognition degree of the file through image recognition technology, to filter out blurred scanned copies or photos. The file validity checking judges whether the file is within the valid period and meets the legal specification requirements by combining the generation time, seal integrity, and signing status of the file, such as checking whether the contract file is signed and sealed by both parties and whether it is within the contract validity period.

[0037] For example, for the type of bid bond, its corresponding data review rules can specifically include integrity checks on fields such as project name, bidding unit, guarantee amount, etc., and normative checks on the format of the bidding (procurement) document; the agency matching rules can include matching of guarantee amount and guarantee agency coverage range, matching of guarantee period and agency service period, etc. During data review, the system first checks each field in the basic application information one by one to ensure that there are no null values or missing key information, and quickly locates the core content related to the business through keyword matching technology. For the format checking link, the pre-set regular expression can automatically identify whether the format of specific data such as the unified social credit code, bank account, etc. in the basic application information conforms to the standard specification, for example, checking whether the social credit code is a combination of 18 digits and letters. In the review of necessary proof documents, the system will accurately extract the core fields in the documents according to the pre-set templates, such as extracting the project number, bidding unit contact person and contact information from the bidding (procurement) document, and comparing these extracted information with the corresponding content in the basic application information to ensure their consistency and avoid information conflicts.

[0038] Step S303, if the data review is passed, the target guarantee agency is determined in the cooperative guarantee agency based on the agency matching rules and the guarantee application data.

[0039] Among them, the agency matching rules include at least one of guarantee amount matching, guarantee period matching, guarantee project type matching, and guarantee applicant region matching, and at least one candidate guarantee agency that matches the guarantee application data can be determined in the cooperative guarantee agency based on the agency matching rules and the guarantee application data; the recommendation degree of each candidate guarantee agency is calculated, and the candidate guarantee agency with the highest recommendation degree is determined as the target guarantee agency.

[0040] For example, when the guarantee amount of the guarantee application is 5 million yuan, the system will preferentially match guarantee agencies with coverage not less than the amount; if the guarantee period of the application is 180 days, those agencies whose service period cannot cover the time length are excluded. After determining the candidate guarantee agencies, the system will comprehensively consider various factors such as historical cooperation satisfaction, business handling efficiency, and rate level of each agency, calculate the recommendation degree score of each candidate agency through weighted calculation, and finally select the agency with the highest score as the target guarantee agency, thereby providing the best quality and most suitable service for the guarantee applicant.

[0041] In calculating the recommendation degree of each candidate guarantee institution, multiple factors can be considered to build a recommendation degree evaluation model. For example, the guarantee amount matching degree, the guarantee letter validity period matching degree, the project type matching degree, the regional matching degree, etc. are taken as input parameters of the model, and different weight coefficients are set for each parameter. The weight coefficients can be dynamically adjusted according to historical business data through machine learning algorithms such as logistic regression, decision tree, etc. For each candidate guarantee institution, first calculate its score in each matching dimension (such as full match for full score, partial match for proportional score, and no match for zero score), then multiply the dimension scores by the corresponding weights and sum them up to get the comprehensive recommendation degree score of the candidate guarantee institution.

[0042] In addition, in the recommendation degree evaluation model, the risk control ability index of the guarantee institution can also be introduced. This index can be quantitatively evaluated based on the guarantee institution's past guarantee letter claim rate, non-performing asset rate, etc. The stronger the risk control ability of the institution, the higher the weight proportion in the recommendation degree score. At the same time, the system will update the current business processing capacity and response speed of each cooperative guarantee institution in real time. When there is a backlog of business or a delay in response of the candidate guarantee institution, its recommendation degree will be appropriately reduced to ensure that the target guarantee institution can efficiently undertake and process the current guarantee letter application business. Through this multi-dimensional and dynamic recommendation degree calculation method, the matching accuracy of the target guarantee institution and the guarantee letter applicant's demand can be significantly improved, further optimizing the overall service quality and efficiency of online guarantee letter business.

[0043] By pre-configuring the audit rule library, the method of the embodiment can quickly call the corresponding target audit rule for different guarantee letter types, realize the automatic and standardized audit of guarantee letter application materials, and avoid the subjectivity and inefficiency of manual audit. In the material audit link, through multiple verification mechanisms such as field integrity verification, format specification verification, core field consistency verification, and file clarity and validity verification, the problems in the application materials can be comprehensively and accurately identified to ensure that the materials submitted to the guarantee institution meet the business requirements. When determining the target guarantee institution, the guarantee institution is selected from multiple dimensions based on the institution matching rules, and the recommendation degree evaluation model is used to comprehensively consider the guarantee capacity, service period, historical cooperation situation, risk control level and current business processing efficiency of the guarantee institution, etc. to realize the intelligent matching of the guarantee institution and the guarantee letter application demand, effectively solve the problems of manual material audit and user uploading of redundant materials in the existing platform, and lay a solid foundation for the efficient handling of subsequent guarantee letter business.

[0044] In some embodiments, a certain number (e.g., 2, 3, or 5) of candidate guarantee institutions can be preset. The preset number of candidate guarantee institutions with the highest recommendation rate can be determined from the cooperative guarantee institutions through the institution matching rules. Information such as the guarantee fees of the candidate guarantee institutions can be fed back to the user, and the final target guarantee institution can be determined based on the user's selection.

[0045] This approach empowers users with autonomy in service selection while providing professional guidance through recommendation ranking, further optimizing the user experience. For example, after the system selects three highly recommended candidate guarantee institutions, it displays key information such as each institution's name, qualification level, historical payout rate, average processing time, and estimated guarantee fee for the current guarantee application. Users can then choose one as their target guarantee institution based on their budget, institution reputation, or processing time preferences. If the user does not make a selection within a preset time, the system will default to the candidate guarantee institution with the highest recommendation, ensuring a smooth business process.

[0046] In some embodiments, such as Figure 4 As shown, after determining the target guarantor to provide services to the applicant in step S120, steps S401-S403 are also included: Step S401: Obtain the data requirements of the target guarantor; Step S402: Verify the guarantee application materials based on the document requirement information, and generate supplementary document information if the guarantee application materials do not match the document requirement information; Step S403: Push the supplementary information to the applicant for the guarantee, and after receiving the supplementary information from the applicant for the guarantee, send the supplementary information to the target guarantee institution.

[0047] The required documentation refers to the documentation requirements of the target guarantor for a specific type of guarantee business, which may include additional financial statements, project feasibility analysis reports, explanations of counter-guarantee measures, etc.

[0048] To improve the efficiency of guarantee applications, the online guarantee processing method of this application only requires users to upload basic application information and necessary supporting documents when uploading guarantee application materials. These necessary uploaded information can be the intersection of materials determined by comparing the material requirements of various guarantee institutions for different guarantee businesses in advance.

[0049] In actual operation, when the information requirements of the target guarantee institution differ from the information uploaded by the guarantee application party, the system will automatically compare the differences between the two, for example, if the target guarantee institution requires the provision of financial audit reports for the past three years, and the applicant has only uploaded the audit reports for the past two years, the generated information supplement information will clearly indicate that the third year's audit report needs to be supplemented, and will also include specific requirements such as file format and content points. The push method can be through platform message notification, SMS reminder, and email synchronization, etc. to ensure that the applicant can check in time. After the applicant supplements the information, the system will conduct a second audit on the supplemented information, and if the audit is passed, it will be synchronized to the target guarantee institution immediately, avoiding the impact on business handling progress due to information transmission lag.

[0050] This dynamic information supplement mechanism not only reduces the redundancy of the initial information uploaded by the applicant, but also meets the individual needs of different guarantee institutions, further improving the flexibility and adaptability of online guarantee letter business.

[0051] Step S130, sending the guarantee letter application information that has passed the audit to the target guarantee institution to handle the guarantee letter business.

[0052] After receiving the guarantee letter application information that has passed the audit, the target guarantee institution will further verify the information according to its internal business process. The verification content may include deep assessment of the guarantee application party's qualifications, confirmation of the legal effectiveness of necessary proof documents, and determination of the risk level related to the application information, etc. If the target guarantee institution does not pass the guarantee letter application information audit, it can feed back the reasons for the audit failure to the guarantee letter service platform.

[0053] In some embodiments, as shown in Figure 5 The processing method of the online guarantee letter business of the present application further comprises: Step S501, if the information audit is not passed, generating application information adjustment information based on the reasons for the audit failure, the application information adjustment information including information to be corrected and / or information to be supplemented; Step S502, pushing the application information adjustment information to the guarantee application party.

[0054] The application materials adjustment information will be presented in a clear and structured format. For example, a list will be provided item by item listing the fields to be corrected (such as incorrect guarantee amount format, missing project number, etc.) and the documents to be supplemented (such as missing corporate financial statements, identity documents of the beneficiary of the guarantee, etc.). Specific correction suggestions and supplementary guidance will be provided for each issue, such as "The guarantee amount must be retained to two decimal places, example: 100,000.00 yuan" and "Please upload scanned copies of the company's financial statements for the past three months, signed by the legal representative and stamped with the company seal." At the same time, the system will highlight the problematic areas in red on the application interface and provide modification suggestions, allowing users to quickly identify the problems and modify the relevant information or re-upload the files after making corrections and adjustments. For supplementary documents, the system supports uploading multiple file formats (such as PDF, JPG, PNG, etc.) and displays the file upload progress and format verification results in real time.

[0055] This approach guides users to quickly locate and resolve issues in their application materials, significantly reducing delays in processing due to incorrect or missing information, and further improving the approval rate and overall efficiency of online guarantee applications.

[0056] In some embodiments, the online guarantee business processing method of this application further includes: monitoring the processing progress of the guarantee business; in response to receiving a progress query request sent by the guarantee applicant, pushing the processing progress of the guarantee business to the guarantee applicant; and in response to receiving the guarantee documents fed back by the target guarantee institution, pushing a guarantee business completion notification to the guarantee applicant.

[0057] For example, the system can connect with the business system of the target guarantor to obtain real-time status information of the guarantee business at each stage, such as document acceptance, under review, approval passed, guarantee issued, and delivery, and synchronize this status information to the progress tracking module of the online platform.

[0058] When a guarantee applicant submits a query request through the platform's progress query portal, the system immediately retrieves the latest processing status from the progress tracking module and displays it intuitively to the user in the form of a timeline or progress bar. For example, after submitting a guarantee application, the user can check at any time whether the current business is in a stage such as "Guarantee institution's documents are under review" or "Guarantee is being issued." Once the target guarantor receives the guarantee document issued by the bank, it will send the electronic guarantee document or a scanned copy of the paper guarantee to the system via an interface. At this time, the system will automatically trigger a processing completion notification, pushing it to the guarantee applicant through multiple channels such as the platform's message center, SMS, and email. The notification includes the guarantee number, validity period, beneficiary information, and a link to view / download the guarantee document, ensuring that the user can obtain the final guarantee result in a timely manner and achieving transparent management of the entire business process.

[0059] The specific settings and implementation methods of the embodiments of this application have been described above from different perspectives. Utilizing the methods provided in the above embodiments, through standardized document review rules and an intelligent institution matching mechanism, the automation level of the entire online guarantee business process is effectively improved, reducing manual intervention and significantly shortening the business processing cycle. This not only reduces the risk of human error but also provides users with more accurate and efficient guarantee institution recommendation services, meeting the personalized needs of different types of guarantee businesses. Simultaneously, the dynamic document supplementation mechanism and transparent progress tracking function further optimize the user experience, enhance the controllability and trustworthiness of the business processing process, and promote the development of online guarantee business towards a more intelligent, convenient, and secure direction.

[0060] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, use and processing of the relevant data must comply with the relevant laws, regulations and standards of the relevant countries and regions, and corresponding operation entry points are provided for users to choose to authorize or refuse.

[0061] Exemplary systems Figure 6 This is a schematic diagram of the system architecture of an online guarantee business processing system provided in an exemplary embodiment of this application. For example... Figure 6 As shown, the system includes a guarantee application module 601, a guarantee review module 602, and an approval progress management module 603.

[0062] The guarantee application module 601 is used to display the corresponding guarantee application page according to the guarantee type selected by the user, and prompt the user to enter basic application information and upload necessary supporting documents on the guarantee application page to form the guarantee application materials.

[0063] The guarantee review module 602 can review the guarantee application materials based on the online guarantee business processing method in the above embodiments, determine the target guarantee institution to provide services to the user, and send the approved guarantee application materials to the target guarantee institution to handle the guarantee business.

[0064] The approval progress management module 603 can track the processing progress of guarantee business, update the guarantee progress information according to the processing progress of guarantee business, and push guarantee progress information to users.

[0065] In some embodiments, the system may further include a user registration and login module. This module collects user registration information, including company name, social credit code, and mobile phone number, through a web front-end page and transmits this information to a back-end server. The back-end server verifies the user information and stores it in the user table of the data storage module upon successful verification. For users registered through partner channels, the system obtains the user's registration information and identity verification results from the partner channels through an interface, enabling cross-platform account interoperability without requiring users to re-register. During login, the front-end page sends the user's entered account password or verification code to the back-end. The back-end compares this information with the information stored in the database. If verification is successful, the user is allowed to log in, and a corresponding session token is assigned to the user for subsequent business operation permission verification. The password modification function receives the user's original password and new password through the front-end page. After verifying the correctness of the original password, the back-end updates the user's password information in the database and encrypts the password using an encryption algorithm to ensure password security.

[0066] In some embodiments, the guarantee application module 601 can also perform basic format validation on the information filled in by the user in real time on the front end, such as validation of required fields and validation of amount format. When uploading files, the front end will restrict the file format (such as PDF, DOC, etc.) and size, and use chunked upload technology to split large files into smaller segments for upload, thereby improving upload efficiency.

[0067] The guarantee application module 601 also provides a draft saving function, which can temporarily store the information filled in by the user and the uploaded files in the draft table of the data storage module. When the user re-enters the application page, the system will read the data from the draft table and display it, so that the user can continue to edit. When submitting the application, the front end will package all application information and file information and send it to the back end. The back end will verify the integrity of the information. After the verification is successful, the application data will be stored in the application information table and a unique business order number will be generated.

[0068] In some embodiments, the system may also include a signing module. After the guarantee is approved, the signing module will automatically generate template files such as credit authorization inquiry letters, enterprise information inquiry and reporting authorization letters, and guarantee contracts, and store them in the contract template table. Users can view and download these files on the front-end signing page. During the download process, encrypted transmission is used to ensure file security. After the user completes the signing and sealing, the file must be uploaded to the system. The system will check the integrity and validity of the uploaded file, and store it in the signing document table after the check is correct. After logging into the system, the guarantee company can view the file uploaded by the user, and after confirming that it is correct, it can electronically sign it online. The electronic signature uses digital certificate technology to ensure the authenticity and immutability of the signature. After the signing is completed, the system will store the contract with the electronic signature in the signed contract table and notify the user that the signed contract can be downloaded. The user can download the contract file from the front-end page.

[0069] The functions of each unit, module, or sub-module in the various devices of this application embodiment can be found in the corresponding descriptions in the above method embodiments, and they have corresponding beneficial effects, which will not be repeated here.

[0070] Exemplary electronic devices and computer-readable storage media Figure 7 This is a block diagram of an electronic device used to implement embodiments of this application. For example... Figure 7 As shown, the electronic device includes a memory 701 and a processor 702. The memory 701 stores a computer program that can run on the processor 702. When the processor 702 executes the computer program, it implements the method described in the above embodiments. The number of memories 701 and processors 702 can be one or more.

[0071] The electronic device also includes: The communication interface 703 is used to communicate with external devices and perform data exchange and transmission.

[0072] If the memory 701, processor 702, and communication interface 703 are implemented independently, they can be interconnected via a bus to communicate with each other. This bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. This bus can be divided into address bus, data bus, control bus, etc. For ease of representation, Figure 7 The bus is represented by a single thick line, but this does not mean that there is only one bus or one type of bus.

[0073] Optionally, in a specific implementation, if the memory 701, processor 702, and communication interface 703 are integrated on a single chip, then the memory 701, processor 702, and communication interface 703 can communicate with each other through an internal interface.

[0074] This application also provides a chip including a processor for calling and executing instructions stored in a memory, causing a communication device with the chip installed to perform the method provided in this application.

[0075] This application also provides a chip, including: an input interface, an output interface, a processor, and a memory. The input interface, output interface, processor, and memory are connected through an internal connection path. The processor is used to execute code in the memory. When the code is executed, the processor is used to execute the method provided in this application.

[0076] It should be understood that the aforementioned processor can be a CPU, or other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), FPGAs, or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. General-purpose processors can be microprocessors or any conventional processor. It is worth noting that the processor can be a processor supporting Advanced Reduced Instruction Set Machines (ARM) architecture.

[0077] Further, optionally, the aforementioned memory may include read-only memory and random access memory. The memory may be volatile memory or non-volatile memory, or may include both. Non-volatile memory may include read-only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), or flash memory. Volatile memory may include random access memory (RAM), which serves as an external cache. By way of example, but not limitation, many forms of RAM are available. Examples include Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDR SDRAM), Enhanced Synchronous DRAM (ESDRAM), Sync Link DRAM (SLDRAM), and Direct Rambus RAM (DR RAM).

[0078] In the above embodiments, implementation can be achieved, in whole or in part, through software, hardware, firmware, or any combination thereof. When implemented in software, it can be implemented, in whole or in part, as a computer program product. A computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, all or part of the processes or functions according to this application are generated. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transferred from one computer-readable storage medium to another.

[0079] In addition to the methods and apparatus described above, embodiments of this application may also provide a computer program product, including computer program instructions, which, when executed by a processor, cause the processor to perform the steps of the methods in the various embodiments of this application described in the "Exemplary Methods" section above.

[0080] Computer program products can be written in any combination of one or more programming languages ​​to perform the operations of the embodiments of this application. These programming languages ​​include object-oriented programming languages ​​such as Java and C++, as well as conventional procedural programming languages ​​such as C or similar languages. The program code can be executed entirely on the user's computing device, partially on the user's computing device, as a standalone software package, partially on the user's computing device and partially on a remote computing device, or entirely on a remote computing device or server.

[0081] In the description of this specification, references to terms such as "one embodiment," "some embodiments," "example," "specific example," or "some examples," etc., indicate that a specific feature, structure, material, or characteristic described in connection with that embodiment or example is included in at least one embodiment or example of this application. Furthermore, the specific features, structures, materials, or characteristics described may be combined in any suitable manner in one or more embodiments or examples. Moreover, without contradiction, those skilled in the art can combine and integrate the different embodiments or examples described in this specification, as well as the features of those different embodiments or examples.

[0082] Furthermore, the terms "first" and "second" are used for descriptive purposes only and should not be construed as indicating or implying relative importance or implicitly specifying the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one of that feature. In the description of this application, "a plurality of" means two or more, unless otherwise explicitly specified.

[0083] Any process or method described in the flowchart or otherwise herein can be understood as representing a module, segment, or portion of code comprising one or more executable instructions for implementing a particular logical function or process. Furthermore, the scope of the preferred embodiments of this application includes additional implementations in which functions may be performed not in the order shown or discussed, including substantially simultaneously or in reverse order depending on the functionality involved.

[0084] The logic and / or steps described in the flowchart or otherwise herein, for example, can be considered as a sequenced list of executable instructions for implementing logical functions, and can be embodied in any computer-readable medium for use by, or in conjunction with, an instruction execution system, apparatus or device (such as a computer-based system, a processor-included system or other system that can fetch and execute instructions from, an instruction execution system, apparatus or device).

[0085] It should be understood that various parts of this application can be implemented using hardware, software, firmware, or a combination thereof. In the above embodiments, multiple steps or methods can be implemented using software or firmware stored in memory and executed by a suitable instruction execution system. All or part of the steps of the methods in the above embodiments can be implemented by a program instructing related hardware, the program being stored in a computer-readable storage medium, which, when executed, includes one or a combination of the steps of the method embodiments.

[0086] Furthermore, the functional units in the various embodiments of this application can be integrated into a processing module, or each unit can exist physically separately, or two or more units can be integrated into a module. The integrated module can be implemented in hardware or as a software functional module. If the integrated module is implemented as a software functional module and sold or used as an independent product, it can also be stored in a computer-readable storage medium. This storage medium can be a read-only memory, a disk, or an optical disk, etc.

[0087] The above description is merely an exemplary embodiment of this application, but the scope of protection of this application is not limited thereto. Any person skilled in the art can easily conceive of various variations or substitutions within the technical scope described in this application, and these should all be included within the scope of protection of this application. Therefore, the scope of protection of this application should be determined by the scope of the claims.

Claims

1. A method for processing online guarantee business, characterized in that, include: Obtain the guarantee application materials corresponding to the target guarantee type uploaded by the guarantee applicant. The guarantee application materials include basic application information and necessary supporting documents. The application materials for the guarantee are reviewed based on the target guarantee type, and the target guarantee institution that will provide services to the guarantee applicant is determined. The approved guarantee application materials will be sent to the target guarantee institution to process the guarantee business.

2. The method according to claim 1, characterized in that, The process of reviewing the guarantee application materials based on the target guarantee type and determining the target guarantee institution to provide services to the guarantee applicant includes: The target audit rule matching the target guarantee type is invoked from the audit rule base. The target audit rule includes document audit rules and institution matching rules. The application materials for the letter of guarantee are reviewed based on the aforementioned document review rules. If the documents are approved, the target guarantee institution will be determined from among the cooperating guarantee institutions based on the institution matching rules and the guarantee application documents.

3. The method according to claim 2, characterized in that, The document review of the guarantee application documents based on the document review rules includes: Keyword matching and field integrity verification of the basic application information are performed. The basic application information is formatted based on a preset regular expression; The core fields of the necessary proof documents are extracted based on the preset template, and the core fields are verified to be consistent with the corresponding information in the basic application information. The necessary supporting documents are verified for clarity and validity.

4. The method according to claim 2, characterized in that, The process of identifying the target guarantor from among the cooperating guarantor institutions based on the institution matching rules and the guarantee application materials includes: Based on the institution matching rules and the guarantee application materials, at least one candidate guarantee institution that matches the guarantee application materials is identified among the cooperative guarantee institutions. Calculate the recommendation degree of each candidate guarantor and determine the candidate guarantor with the highest recommendation degree as the target guarantor.

5. The method according to claim 4, characterized in that, The matching rules for institutions include at least one of the following: matching of guarantee amount, matching of guarantee validity period, matching of guarantee project type, and matching of guarantee applicant region.

6. The method according to claim 2, characterized in that, The method further includes: If the application materials fail the review, application material adjustment information will be generated based on the reason for the failure. The application material adjustment information includes information to be corrected and / or information to be supplemented. The information regarding the adjustment of the application materials will be sent to the applicant for the guarantee.

7. The method according to claim 1, characterized in that, After identifying the target guarantor to provide services to the applicant for the guarantee, the method further includes: Obtain the required information from the target guarantor; The application materials for the letter of guarantee are verified based on the information required for the materials, and supplementary information is generated if the application materials for the letter of guarantee do not match the information required for the materials. The supplementary information is pushed to the applicant for the guarantee, and after receiving the supplementary information from the applicant for the guarantee, the supplementary information is sent to the target guarantee institution.

8. The method according to any one of claims 1-7, characterized in that, The method further includes: Monitor the processing progress of the aforementioned guarantee business; In response to receiving a progress query request from the applicant for the guarantee, the processing progress of the guarantee business is pushed to the applicant for the guarantee. Upon receiving the guarantee documents from the target guarantor, a notification of completion of the guarantee transaction is sent to the guarantee applicant.

9. A processing system for online guarantee business, characterized in that, include: The guarantee application module is used to display the corresponding guarantee application page according to the guarantee type selected by the user, and prompt the user to enter basic application information and upload necessary supporting documents on the guarantee application page to form the guarantee application materials; The guarantee review module is used to perform the online guarantee business processing method according to any one of claims 1-8 to review the guarantee application materials, determine the target guarantee institution to provide services to the user, and send the approved guarantee application materials to the target guarantee institution to process the guarantee business. The approval progress management module is used to track the processing progress of the guarantee business, update the guarantee progress information according to the processing progress of the guarantee business, and push the guarantee progress information to the user.

10. An electronic device, characterized in that, It includes a memory, a processor, and a computer program stored in the memory, wherein the processor, when executing the computer program, implements the method of any one of claims 1-8.

Images