A multi-source compliant non-performing asset data intelligent acquisition system and method

Abstract

This invention discloses an intelligent system and method for acquiring multi-source compliant non-performing asset data, belonging to the field of non-performing asset disposal technology. The system includes a debtor registration module, a multi-source asset management verification module, a debt entrustment management module, an intelligent matching and mediation module, an offline credential stuffing attack module, and a compliance supervision module. By establishing a unified non-performing asset disposal platform, this invention achieves intelligent connection between debtors' proactively initiated mediation requests and data from multi-source asset management companies. It acquires compliant non-performing asset data through a combination of online verification and offline credential stuffing attacks, and intelligently allocates mediation resources based on geographical dimensions. It also supports a reverse mediation mode, effectively solving the problems of data fragmentation, low matching efficiency, poor compliance, and limited channels for debtors to initiate mediation in existing non-performing asset disposal processes. This significantly improves the success rate and disposal efficiency of non-performing asset mediation.

Description

Technical Field

[0001] This invention relates to the field of non-performing asset disposal technology, and in particular to a multi-source compliant non-performing asset data intelligent acquisition system and method. Background Technology

[0002] With the rapid development of my country's financial market and the profound adjustment of its economic structure, the scale of non-performing assets in the banking and non-banking financial institutions has continued to rise. This massive scale of non-performing assets not only occupies a large amount of credit resources of financial institutions and increases systemic financial risk, but also adversely affects the healthy development of the real economy.

[0003] Non-performing asset (NPA) disposal, as a crucial link in mitigating financial risks and revitalizing existing assets, has become an important business area for the financial industry. Currently, NPA disposal in my country mainly employs traditional methods such as litigation, arbitration, bulk transfer, debt restructuring, and collection. Among these, litigation is the most commonly used method, but it suffers from long cycles, high costs, and difficulties in enforcement. A complete litigation enforcement cycle typically takes 1-2 years, with disposal costs accounting for 15%-30% of the debt amount. While bulk transfers can quickly recover funds, the transfer discount rate is generally low, resulting in significant asset losses for financial institutions. Traditional collection methods, on the other hand, suffer from poor compliance and are prone to triggering social conflicts. In recent years, with the promulgation of laws and regulations such as the Personal Information Protection Law and the Self-Discipline Convention on Debt Collection, the debt collection industry faces increasingly stringent regulatory requirements.

[0004] Mediation, as an efficient, low-cost, and non-confrontational dispute resolution method, possesses unique advantages in resolving conflicts and settling disputes, and has been increasingly widely used in the field of non-performing asset disposal in recent years. Especially since the Supreme People's Court issued the "Opinions on Further Improving the Delegated Mediation Mechanism" in 2021, courts across the country have vigorously promoted source governance of litigation and encouraged the resolution of financial disputes through mediation. However, the existing non-performing asset mediation model still faces many technical problems that urgently need to be addressed in its actual operation: The problem of data silos is severe. Data from multiple sources is difficult to integrate. Different financial institutions, asset management companies (AMCs), and local financial asset exchanges each possess their own independent non-performing asset databases. The lack of unified data standards and interoperability mechanisms between these systems creates significant data silos. Debtors' debt information is scattered across different institutions' systems, making it impossible for the platform to comprehensively grasp the debtor's overall liability and asset situation, thus hindering the development of scientifically sound and reasonable mediation plans. Furthermore, due to the lack of data interoperability, when debtors proactively seek mediation, the platform needs to manually verify information with each asset management company individually, which is extremely inefficient and typically takes 3-7 business days to confirm debt information.

[0005] The current non-performing asset disposal model primarily relies on creditors initiating mediation, leaving debtors in a passive position. Many debtors who are willing to repay but lack the ability to repay in full at once often choose to evade their debts due to difficulties in contacting creditors or a lack of professional mediation guidance, ultimately leading to bad debts. Industry statistics show that approximately 30%-40% of non-performing asset debtors have a certain willingness to repay, but due to a lack of effective communication channels and mediation mechanisms, they ultimately fail to reach a repayment agreement.

[0006] The allocation of mediation resources is inefficient and unevenly distributed across regions. Currently, the allocation of mediation cases relies primarily on manual methods, lacking scientific intelligent matching algorithms. The matching between mediation organizations and cases is often arbitrary, leading to a surplus of resources in some areas and a severe shortage in others with high case volumes. Furthermore, manual allocation fails to adequately consider factors such as the professional expertise of mediation organizations, historical success rates, and average mediation cycles, resulting in unreasonable resource allocation and overall low mediation efficiency. Statistics show that the average mediation cycle under the manual allocation model is approximately 45 days, with a success rate of only about 20%.

[0007] Data compliance risks are prominent, and the protection of personal information urgently needs to be strengthened. Non-performing asset data contains a large amount of sensitive personal information of debtors, such as ID numbers, mobile phone numbers, home addresses, and bank card information. There are serious risks of personal information leakage and data misuse during data acquisition, transmission, storage, and processing. Some platforms, in order to obtain more debtor information, have used illegal means to purchase citizens' personal information, or have failed to take effective encryption measures during data transmission, resulting in the leakage of large amounts of personal information. In recent years, complaints and legal disputes arising from personal information leakage during the disposal of non-performing assets have shown a year-on-year upward trend, seriously affecting the healthy development of the industry.

[0008] The disconnect between online and offline processing and incomplete data acquisition are significant issues. Most existing platforms only offer online mediation services and lack effective channels for acquiring offline data. For some non-performing assets not registered in the system, or cases with incomplete debtor information, online platforms cannot effectively handle them. Furthermore, online verification methods have limitations; some asset management companies are unwilling to open online data interfaces due to difficulties in system integration and security concerns, preventing platforms from obtaining complete non-performing asset data.

[0009] In response to the above issues, the industry has made some attempts, such as developing some non-performing asset disposal platforms, which have enabled data connection and online case transfer for some asset management companies. However, these platforms generally have the following shortcomings: First, the data coverage is limited, mostly connecting only a few large asset management companies, failing to cover the numerous small and medium-sized financial institutions and local AMCs in the market; second, there is a lack of effective compliance and supervision mechanisms, the data processing process is not transparent, and there are significant compliance risks; third, the intelligent matching function is imperfect, still mainly relying on manual case allocation; and fourth, there is no established online and offline combined data acquisition mechanism, making it impossible to obtain non-performing asset data not registered in the system.

[0010] Therefore, there is an urgent need to develop a multi-source compliant non-performing asset data intelligent acquisition system and method that can integrate multi-source non-performing asset data, facilitate debtors' proactive mediation channels, achieve intelligent matching of mediation resources, and ensure compliance throughout the data processing process, thereby effectively improving the success rate and disposal efficiency of non-performing asset mediation and mitigating financial risks. Summary of the Invention

[0011] The purpose of this invention is to overcome the problems of data dispersion, low matching efficiency, poor compliance, and ineffective channels for debtors to actively mediate in the disposal of non-performing assets in the prior art, and to provide a multi-source compliant non-performing asset data intelligent acquisition system and method.

[0012] To achieve the above objectives, the present invention adopts the following technical solution: Firstly, this application provides a multi-source compliant non-performing asset data intelligent acquisition system, including a debtor registration module, a multi-source asset management verification module, a debt entrustment management module, an intelligent matching and mediation module, an offline credential stuffing disposal module, and a compliance supervision module.

[0013] The debtor registration module receives registration applications from indebted customers, collects their basic information and debt claims, and verifies their identities. Identity verification employs a combination of methods, including facial recognition, ID card OCR recognition, and bank card four-factor authentication, to ensure the authenticity of the debtor's identity.

[0014] The multi-source asset management verification module securely interfaces with multiple asset management companies' systems via APIs. This allows the system to push debt information submitted by debtors to the corresponding asset management companies for data verification and to obtain the current status of the debt. The module also includes a status judgment unit, which determines whether the debt is eligible for mediation based on the status returned by the asset management companies. If the asset management company is in litigation, mediation, or awaiting a response from the creditor, the debt is deemed ineligible for mediation; otherwise, it is deemed eligible for mediation.

[0015] The debt entrustment management module is used to receive debt entrustment applications submitted by asset management companies, verify the entrustment qualifications and the legality of debt documents, and generate a unique debt entrustment number. The verification content includes the asset management company's financial license, debt transfer agreement, loan contract, collection records, and other relevant documents.

[0016] The intelligent matching and mediation module is used to intelligently allocate cases that meet the mediation criteria to the corresponding mediation organizations based on the debtor's geographical location, the handling capacity of the mediation organizations, and the case type. This module employs a two-way matching mechanism: first, it matches the debtor's case to the corresponding asset management company; after the asset management company confirms the entrustment, it then reversely designates the platform to allocate the case to a designated mediation organization for mediation. Mediation allocation prioritizes geographical proximity to ensure that the mediation organizations can efficiently conduct offline mediation work.

[0017] The offline credential stuffing detection module is used to perform batch credential stuffing matches between collected debtor debt information and the databases of core asset management companies to obtain non-performing asset data not registered in the system. This module establishes dedicated data connection channels with the top 3-5 asset management companies in terms of market share, with a credential stuffing matching success rate of no less than 3%. When a credential stuffing match is successful, the system automatically triggers the asset management company to transfer the debt from the original disposal institution to this platform for unified mediation.

[0018] The compliance monitoring module is used to conduct full-process compliance monitoring of all data transmission, storage, and processing within the system, ensuring compliance with financial regulations and laws related to personal information protection. This module includes a data anonymization unit, an access control unit, and an audit log unit. The data anonymization unit performs irreversible anonymization of sensitive personal information such as debtors' ID numbers, mobile phone numbers, and bank card numbers; the access control unit controls the data access scope of different users based on role-based permissions, implementing the principle of least privilege; the audit log unit records all data operation activities, including the operator, operation time, operation content, and operation results, and retains them for no less than 5 years to meet regulatory audit requirements.

[0019] Secondly, this application also provides a method for intelligent acquisition of multi-source compliant non-performing asset data, including the following steps: S1: Debtors register an account through the platform, submit personal identity information, debt details, and mediation requests. After identity verification, the platform generates a unique case number. S2: The platform pushes the debt information submitted by the debtor to all connected asset management company systems in batches via an encrypted API interface for data verification and obtains the debt disposal status reported by each asset management company. The transmission process uses the TLS 1.3 encryption protocol, which complies with the requirements of the Personal Information Protection Law regarding the transmission of sensitive personal information. Asset management companies can only view debtor information related to their own claims and cannot obtain claim data from other asset management companies. S3: If an asset management company reports that the debt belongs to it and meets the conditions for mediation, the asset management company submits a claim entrustment application through the platform and uploads relevant claim proof documents. S4: After the platform approves the claim entrustment application, it filters out a list of qualified mediation organizations within the region based on geographical information such as the place where the debt occurred and the debtor's residence. S5: The asset management company selects a suitable mediation organization from the list of mediation organizations, and the platform delegates the case information and mediation authority to that organization. The platform can also recommend the best mediation organization to the asset management company based on factors such as the organization's historical success rate, average mediation cycle, and types of cases it specializes in. S6: After receiving the case, the mediation organization organizes mediation between the debtor and creditor online or offline, and synchronizes the mediation progress and results to the platform in real time. If the mediation is successful, a mediation agreement is generated and uploaded to the platform; if the mediation fails, the platform feeds back the case information to the asset management company, which then decides on the subsequent handling method. S7: The platform periodically (e.g., monthly) compiles the information of debtors who fail online verification and sends it to the core asset management company for offline batch credential stuffing. Offline credential stuffing uses a batch encrypted comparison method. The platform only provides the asset management company with debtor identification information processed by SHA-256 hashing, without transmitting original personal information; after completing the comparison, the asset management company only returns the matching result and does not disclose other data in its own database. S8: If the offline credential matching is successful, the asset management company will transfer the claim from the original disposal institution to this platform and repeat steps S4-S6 for mediation.

[0020] Furthermore, the method of this invention also includes a reverse mediation step: when the debtor initiates a mediation request, the platform prioritizes pushing the request to the corresponding asset management company, which then responds within a specified time limit (e.g., 3 business days) to determine whether it agrees to mediation; if it agrees, the mediation allocation process begins directly. This reverse mediation model fully respects the debtor's willingness to repay and can effectively improve the success rate of mediation.

[0021] The beneficial effects of this invention are as follows: 1. This invention realizes the integration and sharing of non-performing asset data from multiple sources: by building a unified non-performing asset disposal platform and connecting with the systems of multiple asset management companies, the interoperability and sharing of non-performing asset data among different asset management companies is realized, thus solving the problem of data dispersion.

[0022] 2. This invention improves the efficiency of mediation resource matching: It adopts an intelligent matching algorithm to intelligently allocate mediation resources based on multiple dimensions such as region, case type, and mediation organization capabilities. At the same time, it supports asset management companies to reverse-designate mediation organizations, thereby realizing the optimized allocation of mediation resources.

[0023] 3. This invention ensures the compliance of data processing: through technical means such as data anonymization, access control, and audit logs, it conducts full-process compliance monitoring of all data transmission, storage, and processing within the system, effectively preventing the risks of personal information leakage and data misuse.

[0024] 4. This invention facilitates debtors' proactive mediation channels: it supports debtors in initiating mediation requests, and uses a combination of online verification and offline credential stuffing to obtain non-performing asset data, providing a convenient mediation route for debtors with the willingness to repay.

[0025] 5. This invention improves the efficiency of non-performing asset disposal: through automated process handling and intelligent matching and scheduling, it significantly shortens the non-performing asset mediation cycle, reduces disposal costs, and increases the mediation success rate. Attached Figure Description

[0026] Figure 1 This is a structural block diagram of a multi-source compliant non-performing asset data intelligent acquisition system according to the present invention; Figure 2 This is a flowchart of a method for intelligently acquiring multi-source compliant non-performing asset data according to the present invention. Detailed Implementation

[0027] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. The components of the embodiments of the present invention described and shown in the accompanying drawings can generally be arranged and designed in various different configurations.

[0028] The present invention will now be described in further detail with reference to the accompanying drawings and specific embodiments.

[0029] Example 1: like Figure 1As shown, the present invention discloses a multi-source compliant non-performing asset data intelligent acquisition system, including a debtor registration module 1, a multi-source asset management verification module 2, a debt entrustment management module 3, an intelligent matching and mediation module 4, an offline credential stuffing disposal module 5, and a compliance supervision module 6.

[0030] The debtor registration module 1 is used to receive registration applications from indebted customers, collect basic information of debtors (such as name, ID number, mobile phone number, address, etc.) and debt request information (such as debt amount, creditor institution, repayment plan, etc.), and verify the identity of debtors through facial recognition, ID card OCR recognition, bank card four-factor authentication, etc., to ensure the authenticity of the debtor's identity.

[0031] The multi-source asset management verification module 2 securely connects with the systems of multiple asset management companies via API interfaces. This allows the system to push debt information submitted by debtors to the corresponding asset management companies for data verification and to obtain the current status of the debt. The module also includes a status judgment unit 21, which determines whether the debt meets the conditions for mediation based on the status returned by the asset management companies. If the asset management companies report that the debt is in litigation, mediation, or awaiting a creditor's response, the status judgment unit 21 determines that the debt does not meet the conditions for mediation; otherwise, it determines that the debt meets the conditions for mediation.

[0032] Module 3, the Debt Entrustment Management module, receives debt entrustment applications submitted by asset management companies, verifies the entrustment qualifications and the legality of debt documents, and generates a unique debt entrustment number. The verification process includes reviewing the asset management company's financial license, business license, debt transfer agreement, loan contract, collection records, and other relevant documents. Only debt entrustments that pass the verification can proceed to the subsequent mediation process.

[0033] The intelligent matching and mediation module 4 is used to intelligently allocate cases that meet the mediation criteria to the corresponding mediation organizations based on debt location information, the handling capacity of the mediation organizations, and case type. This module adopts a two-way matching mechanism: first, the debtor's case is matched to the corresponding asset management company; after the asset management company confirms the entrustment, it then reversely designates the platform to allocate the case to a mediation organization it approves for mediation. Mediation allocation prioritizes the principle of geographical proximity, that is, it prioritizes allocating cases to mediation organizations in the place where the debt occurred or where the debtor resides, ensuring that the mediation organizations can efficiently carry out offline mediation work.

[0034] The offline credential stuffing detection module 5 is used to perform batch credential stuffing matches between the collected debtor debt information and the databases of core asset management companies to obtain non-performing asset data not registered in the system. This module establishes dedicated data connection channels with the top three asset management companies with the largest market share. According to actual operational data, the credential stuffing matching success rate is approximately 3%. When a credential stuffing match is successful, the system automatically sends a debt transfer notice to the asset management company, which then transfers the debt from the original disposal institution (such as a collection company or law firm) to this platform for unified mediation.

[0035] The compliance and oversight module 6 is used for full-process compliance monitoring of all data transmission, storage, and processing within the system to ensure compliance with relevant laws and regulations such as the Personal Information Protection Law, the Regulations on Financial Asset Management Companies, and the Banking Supervision and Administration Law. This module includes: Data desensitization unit 61: Used to perform irreversible desensitization processing on sensitive personal information such as the debtor's ID card number, mobile phone number, and bank card number, for example, replacing the middle 8 digits of the ID card number with asterisks, and replacing the middle 4 digits of the mobile phone number with asterisks.

[0036] Access control unit 62: Used to control the data access scope of different users based on role-based permissions, implementing the principle of least privilege. For example, debtors can only view their own case information, mediation organizations can only view the cases they are responsible for, and asset management companies can only view the cases they have entrusted.

[0037] Audit Log Unit 63: Used to record all data operation behaviors, including operator, operation time, operation content, operation result, IP address, etc. The log retention period shall not be less than 5 years to meet regulatory audit requirements.

[0038] like Figure 2 As shown, the present invention discloses a method for intelligent acquisition of multi-source compliant non-performing asset data, which specifically includes the following steps: Step S1: Debtor Registration and Case Creation. Debtors register an account through the platform's official website or app, submitting personal identity information, debt details, and mediation requests. After verifying identity through methods such as facial recognition, ID card OCR recognition, and bank card four-factor authentication, the platform generates a unique case number and stores the case information in the platform's database.

[0039] Step S2: The multi-source asset management data verification platform pushes the debt information submitted by the debtor to all connected asset management company systems in batches via a TLS 1.3 encrypted API interface for data verification. Upon receiving the verification request, each asset management company queries its own database to determine if the debtor has any outstanding non-performing loans with that company and reports the current status of those loans. During transmission, the platform encrypts sensitive debtor information, ensuring that asset management companies can only view debtor information related to their own loans and cannot access loan data from other asset management companies.

[0040] Step S3: Debt Entrustment Application If an asset management company reports that the debt belongs to it and is eligible for mediation, the asset management company submits a debt entrustment application through the platform and uploads relevant supporting documents such as its financial license, debt transfer agreement, loan contract, and collection records.

[0041] Step S4: The debt entrustment verification platform reviews the debt entrustment application and related supporting documents submitted by the asset management company. The review includes verifying the legality of the asset management company's qualifications and the authenticity and completeness of the debt documents. Upon approval, a unique debt entrustment number is generated, and the entrustment information is synchronized to the asset management company and the platform's database.

[0042] Step S5: The mediation organization screening platform uses geographical information such as the location of the debt and the debtor's residence to select a list of qualified mediation organizations within the relevant geographical area from the mediation organization database. Simultaneously, the platform can rank mediation organizations based on factors such as their historical mediation success rate, average mediation period, and types of cases they specialize in, and recommend the optimal mediation organization to the asset management company.

[0043] Step S6: Mediation Organization Confirmation and Entrustment. The asset management company selects a suitable mediation organization from the list of recommended mediation organizations on the platform. The platform then entrusts the case information and mediation authority to that organization. Upon receiving the entrustment, the mediation organization will contact the debtor within one business day to confirm their willingness to mediate.

[0044] Step S7: Mediation Implementation and Progress Tracking. The mediation organization organizes mediation between debtors and creditors through online video mediation or offline on-site mediation. During the mediation process, the mediation organization will synchronize the mediation progress (such as contacting the debtor, negotiating a repayment plan, successful mediation, unsuccessful mediation, etc.) to the platform in real time. If the mediation is successful, both parties sign a mediation agreement, and the mediation organization uploads the agreement to the platform; if the mediation fails, the platform will feed back the case information to the asset management company, which will decide on the subsequent handling method (such as filing a lawsuit, continuing collection, etc.).

[0045] Step S8: Each month, the offline bulk credential stuffing matching platform compiles the debtor information that failed online verification, generates an encrypted credential stuffing file, and sends it to the core asset management company for offline bulk credential stuffing matching. The credential stuffing file only contains debtor identification information processed with SHA-256 hashing (such as ID card number hash value, mobile phone number hash value), and does not contain any original personal information. After completing the comparison, the asset management company only returns the matching result (match successful or unsuccessful) to the platform, without disclosing other data in its own database.

[0046] Step S9: Debt Transfer and Mediation After Successful Offline Credential Matching. If the offline credential matching is successful, the asset management company will transfer the debt from the original disposal institution to this platform within 3 business days and submit a debt entrustment application. After the platform approves the application, steps S5-S7 will be repeated for mediation.

[0047] Example 2: This example describes the complete process of a debtor initiating an online mediation request and successfully reaching a mediation agreement. The specific steps are as follows: Debtor Registration and Case Creation: Debtor Zhang, due to overdue credit card payments, registered an account through the platform's APP on March 15, 2026, submitting personal identity information (name, ID number, mobile phone number, home address), debt details (creditor is a state-owned bank's credit card center, overdue principal of 120,000 yuan, overdue period of 8 months), and mediation requests (hoping for repayment in 36 installments with a reduction in some penalty interest). After verifying identity through facial recognition, ID card OCR recognition, and bank card four-factor authentication, the platform generated a unique case number: AMC2026031500127 (example). Multi-Source Asset Management Data Encryption Verification Platform: The platform batch-pushed Zhang's debt information to the systems of 23 connected asset management companies via a TLS 1.3 encrypted API interface for data verification. During transmission, the platform anonymized Zhang's ID number (retaining only the first 6 and last 4 digits) and mobile phone number (retaining only the first 3 and last 4 digits). Upon receiving the verification request, each asset management company queried its own database and reported the results. One of the companies, a national asset management company (AMC-A), reported that the debt was transferred from the state-owned bank's credit card center to its name in November 2025, and its current status is "pending collection," meeting the conditions for mediation.

[0048] Within one business day of receiving the verification request, AMC-A submits a debt entrustment application through the platform, uploading relevant supporting documents such as the financial license, debt transfer agreement, loan contract, and collection records. The platform's legal department completes the review within two business days, confirming the legality of the entrustment qualifications and the authenticity and completeness of the debt documents, generating a unique debt entrustment number: WT2026031700042 (example). The platform intelligently matches and confirms mediation organizations based on Mr. Zhang's residence (Chaoyang District, Beijing), selecting seven mediation organizations within Chaoyang District with financial dispute mediation qualifications. Simultaneously, the platform comprehensively scores the mediation organizations based on their historical mediation success rate (weight 40%), average mediation cycle (weight 30%), and the proportion of cases they specialize in handling credit card disputes (weight 30%), recommending the top three mediation organizations to AMC-A. AMC-A ultimately selects the top-ranked Beijing Chaoyang District Financial Dispute Mediation Center.

[0049] On March 20, 2026, the Mediation Implementation and Result Feedback Platform delegated the case information and mediation authority to the Beijing Chaoyang District Financial Dispute Mediation Center. Within one working day, the Mediation Center contacted Mr. Zhang to confirm his willingness to mediate and organized an online video mediation on March 23. After negotiation between the two parties, a mediation agreement was reached: Mr. Zhang would repay the principal of 120,000 yuan in 36 installments, with all penalty interest totaling 28,000 yuan waived, and each installment being 3,333.33 yuan. After the mediation agreement was signed, the Mediation Center uploaded the agreement to the platform, which then synchronized it to the AMC-A system.

[0050] Throughout the entire compliance monitoring process, the compliance supervision module records all data operations in real time, generates audit logs, and saves them. The data anonymization unit ensures that all sensitive personal information is encrypted during transmission and storage, and the access control unit strictly restricts data access permissions for different roles.

[0051] Example 2 Results: From the debtor's initiation of a mediation request to the reaching of a mediation agreement, the total time was only 8 days, far lower than the industry average of 45 days; the mediation success rate was 100%, the debtor was exempted from penalty interest of RMB 28,000, and the creditor recovered all principal losses.

[0052] Example 3: This embodiment describes the complete process of resolving online verification failure by successfully matching data offline in batches and completing mediation. The specific steps are as follows: Debtor Registration and Online Verification: Debtor Li, due to overdue personal consumer loans, incurred non-performing debt. On April 2, 2026, he registered an account on the platform's official website, submitting personal identity information and debt details, but without specifying a particular creditor institution. After completing identity verification, the platform generated a case number: AMC2026040200315 (example). The platform pushed Li's debt information to all connected asset management companies for online verification, but received no matching results.

[0053] On April 10, 2026, the offline bulk credential stuffing matching platform compiled the information of 1,268 debtors who failed online verification that month and generated an encrypted credential stuffing file. The file only contained the debtors' ID numbers and mobile phone numbers processed with SHA-256 hashes, and did not contain any original personal information. The platform sent this file to the top 3 core asset management companies with the largest market share (AMC-A, AMC-B, and AMC-C) for offline bulk credential stuffing matching.

[0054] On April 12, 2026, AMC-B reported a successful credential stuffing test, confirming that Mr. Li's claim had been transferred to his name in September 2025 and was originally entrusted to a third-party collection company for handling. The system automatically sent a claim transfer notice to AMC-B, and AMC-B terminated its entrustment relationship with the original collection company within 3 working days, transferring the claim to its platform for unified mediation.

[0055] On April 15, 2026, AMC-B submitted a debt entrustment application and relevant supporting documents to the platform. After the platform approved the application, it generated a debt entrustment number: WT2026041500078 (example). Based on Mr. Li's residence (Pudong New Area, Shanghai), the platform screened mediation organizations within Pudong New Area and recommended the best mediation organization to AMC-B. AMC-B selected the Shanghai Pudong Financial Dispute Mediation Center.

[0056] Mediation Implementation and Result Feedback: The mediation center received the case on April 17, 2026, and organized an in-person mediation session on April 19. After negotiation, both parties reached a settlement agreement: Li would repay the principal of 85,000 yuan in 24 installments, with interest reduced by 12,000 yuan, and each installment payment being 3,541.67 yuan. After the mediation agreement was signed, the mediation center synchronized the result to the platform and the AMC-B system.

[0057] Example 3 Results: The offline credential stuffing matching success rate was 3.1% (39 out of 1268 samples were successfully matched), which is basically consistent with the industry average of 3%. The total time from successful credential stuffing matching to reaching a settlement agreement was 7 days. The debt that might have become a bad debt was successfully transformed into a recoverable asset, saving the creditor 85,000 yuan in economic losses.

[0058] Comparative example: Traditional manual mediation model This comparative example uses the traditional manual adjustment mode in the prior art to compare with the technical effect of the present invention. The specific process is as follows: Debtor Consultation and Information Registration: On March 1, 2026, debtor Wang contacted a traditional non-performing asset mediation platform by phone. The customer service staff manually recorded Wang's personal information and debt details (the creditor was a joint-stock bank, the overdue principal was 150,000 yuan, and the overdue period was 10 months) without conducting strict identity verification.

[0059] Staff from the manual debt verification platform contacted over ten potential asset management companies via phone and email to verify the ownership and status of the debt. Due to data asymmetry between the asset management companies and the inefficiency of manual communication, the entire verification process took 12 business days. Ultimately, it was confirmed that the debt had been transferred to AMC-C, and its current status is "in preparation for litigation."

[0060] The staff of the manual mediation platform assigned cases to a partner mediation organization based on their personal experience, without considering the organization's geographical distribution, professional expertise, or past performance. Because this mediation organization was located in Haidian District, Beijing, while Mr. Wang's residence was in Tongzhou District, Beijing, the organization had to travel back and forth, increasing mediation costs and time.

[0061] Mediation Implementation and Outcome: The mediation organization contacted Mr. Wang on March 25, 2026, and organized an offline mediation session on April 2. Because AMC-C was already preparing to file a lawsuit, its willingness to mediate was low, and the two parties failed to reach an agreement. Ultimately, the mediation failed, and AMC-C filed a lawsuit in court on April 10.

[0062] Comparative results: From the debtor's initiation of consultation to the failure of mediation, the total time was 41 days; the mediation success rate was 0%; during the manual verification process, Wang's personal information was transmitted multiple times through unencrypted channels, posing a serious risk of personal information leakage; AMC-C ultimately disposed of the claim through litigation, with an estimated litigation period of 18 months and disposal costs accounting for approximately 25% of the claim amount.

[0063]

[0064] Furthermore, this invention also supports a reverse mediation mode: when a debtor initiates a mediation request, the platform prioritizes pushing the request to the corresponding asset management company, which then responds within 3 business days regarding whether it agrees to mediation. If the asset management company agrees to mediation, the process directly proceeds to the mediation organization screening process in step S5; if the asset management company disagrees, the platform provides feedback to the debtor and informs them of other possible solutions. The above description is merely a preferred embodiment of the invention and is not intended to limit the scope of protection of the invention. Any modifications, equivalent substitutions, or improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A multi-source compliant non-performing asset data intelligent acquisition system, characterized in that, include: The debtor registration module is used to receive registration applications from indebted customers, collect basic information and debt claim information from debtors, and verify their identities. The multi-source asset management verification module interfaces with the systems of multiple asset management companies to push the debt information submitted by the debtor to the corresponding asset management company for data verification and to obtain the current disposal status of the debt. The debt entrustment management module is used to receive debt entrustment applications submitted by asset management companies, verify the entrustment qualifications and the legality of debt documents, and generate a unique debt entrustment number. The intelligent matching and mediation module is used to intelligently allocate cases that meet the mediation conditions to the corresponding mediation organizations based on the debt's geographical location, the mediation organization's handling capacity, and the case type. The offline credential stuffing detection module is used to perform batch credential stuffing matching between the collected debtor debt information and the database of the core asset management company to obtain non-performing asset data that is not registered in the system. The compliance and oversight module is used to monitor the entire process of data transmission, storage, and processing within the system to ensure compliance with financial regulations and laws related to personal information protection.

2. The system according to claim 1, characterized in that, The multi-source asset management verification module also includes a status judgment unit, which is used to determine whether the debt meets the conditions for mediation based on the disposal status returned by the asset management company; if the asset management company is in litigation, mediation, or waiting for the creditor's response, it is determined that the conditions for mediation are not met; otherwise, it is determined that the conditions for mediation are met.

3. The system according to claim 1, characterized in that, The intelligent matching and mediation module adopts a two-way matching mechanism. First, it matches the debtor's case with the corresponding asset management company. After the asset management company confirms the entrustment, it then reverses the process by assigning the case to a designated mediation organization through the platform.

4. The system according to claim 1, characterized in that, The offline credential stuffing detection module establishes dedicated data connection channels with the top N asset management companies with the largest market share, and the credential stuffing detection matching success rate is no less than 3%. When a credential stuffing detection matching is successful, the system automatically triggers the asset management company to transfer the debt from the original disposal institution to this platform for unified mediation.

5. The system according to claim 1, characterized in that, The compliance and supervision module includes a data desensitization unit, an access control unit, and an audit log unit; the data desensitization unit is used to perform irreversible desensitization processing on the debtor's sensitive personal information. The access control unit is used to control the data access scope of different users based on role permissions; the audit log unit is used to record all data operation behaviors and retains them for no less than 5 years.

6. A method for intelligent acquisition of multi-source compliant non-performing asset data, characterized in that, Includes the following steps: S1: The debtor registers an account on the platform, submits personal identity information, debt details and mediation requests, and the platform generates a case number after verifying the identity; S2: The platform will push the debt information submitted by the debtor to the systems of all the asset management companies it connects with in batches for data verification and obtain the debt disposal status feedback from each asset management company; S3: If an asset management company reports that the debt belongs to it and that it is eligible for mediation, the asset management company will submit a debt entrustment application to the platform. S4: After the platform approves the debt entrustment application, it will select a list of qualified mediation organizations based on geographical information such as the place where the debt occurred and the debtor's residence. S5: The asset management company selects a suitable mediation organization from the list of mediation organizations, and the platform entrusts the case information and mediation authority to that mediation organization; S6: After receiving a case, the mediation organization organizes the debtor and creditor to conduct mediation and synchronizes the mediation progress and results to the platform in real time; S7: The platform regularly compiles the information of debtors who fail the online verification and sends it to the core asset management company for offline batch database matching; S8: If the offline credential matching is successful, the asset management company will transfer the claim from the original disposal institution to this platform and repeat steps S4-S6 for mediation.

7. The method according to claim 6, characterized in that, In step S2, the platform uses encrypted transmission to send the debt information to the asset management company's system.

8. The method according to claim 6, characterized in that, In step S5, the platform can also recommend the best mediation organization to the asset management company based on factors such as the mediation organization's historical mediation success rate, average mediation cycle, and types of cases it specializes in.

9. The method according to claim 6, characterized in that, It also includes a reverse mediation step: when a debtor initiates a mediation request, the platform will prioritize pushing the request to the corresponding asset management company, which will then respond within a specified time limit to whether it agrees to the mediation; if it agrees, the mediation allocation process will proceed directly.

10. The method according to claim 6, characterized in that, In step S7, the offline credential stuffing test uses a batch encrypted comparison method. The platform only provides the debtor's identity information after hash processing to the asset management company and does not transmit the original personal information. After the asset management company completes the comparison, it only returns the matching result and does not disclose other data in its own database.

Images