一种基于智能分析的债权人债权申报信息自动校验系统

By automatically parsing and verifying debt declaration information through an intelligent analysis system, the problem of determining the priority of mortgage rights caused by inconsistent timestamps and the low efficiency of contract verification when the debtor objects has been solved, thus realizing an efficient and reliable debt declaration verification process.

CN121329608BActive Publication Date: 2026-07-17SHANGHAI LUBO TECHNOLOGY CO LTD

Patent Information

Authority / Receiving Office
CN · China
Patent Type
Patents(China)
Current Assignee / Owner
SHANGHAI LUBO TECHNOLOGY CO LTD
Filing Date
2025-09-15
Publication Date
2026-07-17

AI Technical Summary

Technical Problem

Existing technologies face challenges in processing debt claim information, such as difficulties in determining the priority of mortgage rights due to inconsistent or missing timestamps, as well as low efficiency and insufficient credibility in verifying contract performance when the debtor raises objections.

Method used

An automatic verification system for creditor claim declaration information based on intelligent analysis was designed, including a data acquisition module, a feature extraction module, an analysis and decision-making module, and a claim verification triggering module. Data is acquired through the OAuth 2.0 interface, non-standard timestamps are parsed using a pre-trained natural language processing model and a regular expression rule base, and immutable time information is provided by the smart contract of the blockchain node. The system also monitors debtor objections in real time and verifies contract performance through multi-dimensional matching analysis.

Benefits of technology

It effectively solves the problem of inconsistent or missing timestamp formats for mortgage registration, and realizes automated, fast and reliable determination of mortgage priority and verification of contract performance, significantly improving the automation and accuracy of debt declaration verification.

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Abstract

本申请涉及债权人管理技术领域,尤其涉及一种基于智能分析的债权人债权申报信息自动校验系统,包括数据采集模块、特征提取模块、分析决策模块和债权验证触发模块。该系统能够从异构数据源获取抵押登记信息,自动解析或补全非标准时间戳,并在监测到债务人异议时,智能触发对合同履行情况的自动化验证,最终输出可信的优先级排序与履行可信度评估结果,有效解决了传统方法中因时间信息混乱缺失导致的优先级判定困难以及人工核实合同履行效率低下、可信度不足的问题,显著提升了债权申报校验的自动化水平和准确可靠性。
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