Fecha de publicación:
27/08/2024
Fuente: Wipo "BigData"
The invention relates to the technical field of electronic warranty service, and discloses an electronic warranty service process and risk control management based on big data service, and the method comprises the following steps: S1, receiving warranty application information, and integrating a multi-data-source platform including bank records, credit rating mechanism data and an industry database; s2, integrating and cleaning information of different data sources by using a data fusion technology, and generating a preliminary risk assessment report; s3, using an adaptive machine learning model to automatically adjust model parameters to match changes of the market and credit environment; S4, according to refined risk assessment, using an automatic generation algorithm to design warranty terms; and S5, verifying the authenticity and integrity of the applicant information through multi-factor identity verification and block chain technology encryption. By integrating a plurality of data sources including databases of a financial institution, a credit rating institution and a local government, wide sharing and real-time updating of data are realized, and the integration strategy breaks through the limitation of data isolation.