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Method for processing guarantee and related device

A processing method and technology of guarantee letter, applied in the electronic field, can solve problems such as large loan risk, guarantee letter not having legal effect, difficult to preserve, etc.

Inactive Publication Date: 2017-04-05
CHINA CONSTRUCTION BANK
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

However, the problem with such a business process is that, firstly, manual review and judgment is required, which is prone to review omissions, leading to lending risks and low efficiency; secondly, the guarantee company may falsify the official seal on the guarantee letter, resulting in the guarantee letter obtained by the bank. legal effect, which may cause greater lending risk; the third paper guarantee is easy to lose, difficult to save, complicated submission and approval procedures, etc., which reduces the efficiency of bank lending business

Method used

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  • Method for processing guarantee and related device
  • Method for processing guarantee and related device
  • Method for processing guarantee and related device

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Embodiment Construction

[0044] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0045] figure 1 It is a schematic flow chart of a method for processing a guarantee letter in an embodiment of the present invention, and the flow of this method can be implemented by a data processing server. As shown in the figure, the method at least includes:

[0046] In step S101, the data processing server generates an electronic guarantee for the business data application information according to the business data application information acquired in advance...

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Abstract

The embodiments of the invention provide a method for processing a guarantee and a related device. The method includes the following steps: a data processor, based on service data applying information, generating an electronic guarantee; adding a first electronic signature to the electronic guarantee; transmitting the electronic guarantee with the first electronic signature to a service guarantee server, such that the service guarantee server, after receiving an examination-verified instruction, verifies the first electronic signature, if the verification passes, adds a second electronic signature to the service guarantee server, and transmits the electronic guarantee with the first electronic signature and the second electronic signature to the data processing server; and when receiving a verification instruction for the electronic guarantee, the data processing server verifying the electronic guarantee with the first electronic signature and the second electronic signature; if the verification passes, storing the electronic guarantee. The method can increase the efficiency of handling data services and reduce the risk of handling data services.

Description

technical field [0001] The present invention relates to the field of electronic technology, in particular to a method for processing a guarantee letter and related equipment. Background technique [0002] At present, when a user handles a loan business at a bank, the bank needs to keep a letter of guarantee issued by a guarantee company for a certain loan business to reduce the risk of the loan business. In the prior art, the general business process is that the guarantee company generates a guarantee letter to the bank and affixes the guarantee company's own official seal to guarantee the legal effect of the guarantee letter. However, the problem with such a business process is that, firstly, manual review and judgment is required, which is prone to review omissions, leading to lending risks and low efficiency; secondly, the guarantee company may falsify the official seal on the guarantee letter, resulting in the guarantee letter obtained by the bank. legal effect, which m...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L9/32G06Q40/02
CPCH04L9/3247G06Q40/02H04L9/3226H04L9/3297
Inventor 何渊李国钦卫卉芳
Owner CHINA CONSTRUCTION BANK
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