Debtor asset identification and valuation system

Abstract

A debtor asset confirmation and valuation system is proposed. The system includes a debtor asset confirmation and valuation device and a debt management terminal. The debtor asset confirmation and valuation device includes a communication module and a processor. The communication module is connected to an external database. The processor is electrically connected to the communication module. The processor is configured to: automatically import data from the external database via the communication module to obtain multiple auctioned assets and their corresponding debtors; compare the bank's own debtor assets with any of the auctioned assets; and generate a notification when the bank's own debtor assets are found to be identical to one of the auctioned assets. The debt management terminal is connected to the debtor asset confirmation and valuation device.

Claims

1. A debtor asset confirmation and valuation system, comprising: a debtor asset confirmation and valuation device, comprising: a communication module communicatively connected to an external database; and a processor electrically connected to the communication module, wherein the processor is configured to: automatically import the external database via the communication module to obtain a plurality of auctioned assets and their respective corresponding plurality of debtors; compare the bank's debtor assets to determine if they are identical to any of the auctioned assets; and generate a notification when the bank's debtor assets are found to be identical to one of the auctioned assets; and a debt management terminal communicatively connected to the debtor asset confirmation and valuation device.

2. The debtor asset identification and valuation system as described in claim 1, wherein the processor is further configured to: automatically import the external database via the communication module when the bank's debtor asset is found to be identical to one of the foreclosed assets, so as to obtain asset information corresponding to the bank's debtor asset; and generate an asset present value based on the asset information.

3. The debtor asset identification and valuation system as described in claim 2, wherein the processor is further configured to: generate an asset valuation result based on the present value of the asset, a total debt, and an enforcement cost.

4. The debtor asset identification and valuation system as described in claim 3 further comprises: a database electrically connected to the processor and configured to store the bank's debtor assets, the bank's debtor's name, the current value of the assets, the total debt, the enforcement cost, and the asset valuation result; wherein an electronic device is connected to the database via a debt management terminal to obtain a debtor asset valuation table, wherein the debtor asset valuation table includes the bank's debtor assets, the bank's debtor's name, the current value of the assets, the total debt, the enforcement cost, and the asset valuation result.

5. The debtor asset confirmation and valuation system as described in claim 1, wherein the processor is further configured to: compare the name of a debtor of the bank with any of the debtors of the foreclosed assets; when the name of the bank's debtor is found to be the same as one of the debtors of the foreclosed assets, communicate with an external query system via the communication module; confirm via the external query system whether the name of the bank's debtor corresponds to an unconfirmed foreclosed asset; and generate the notification when it is confirmed that the name of the bank's debtor corresponds to the unconfirmed foreclosed asset.

6. The debtor asset identification and valuation system as described in claim 5, wherein the processor is further configured to: when confirming that the name of the debtor of the Bank corresponds to an unconfirmed auctioned item, set the unconfirmed auctioned item as the asset of the debtor of the Bank; automatically import the external database via the communication module to obtain asset information corresponding to the name of the debtor of the Bank; and generate an asset present value based on the asset information.

7. The debtor asset identification and valuation system as described in claim 6, wherein the processor is further configured to: generate an asset valuation result based on the present value of the asset, a total debt, and an enforcement cost.

8. The debtor asset identification and valuation system as described in claim 7 further comprises: a database electrically connected to the processor and configured to store the bank's debtor assets, the name of the bank's debtor, the present value of the assets, the total debt, the enforcement cost, and the asset valuation result; wherein an electronic device is connected to the database via a debt management terminal to obtain a debtor asset valuation table, wherein the debtor asset valuation table includes the bank's debtor assets, the name of the bank's debtor, the present value of the assets, the total debt, the enforcement cost, and the asset valuation result.

9. The debtor asset identification and valuation system as described in claim 1, wherein the processor further includes a memory configured to store a plurality of instructions, the processor reading the instructions to perform a plurality of steps.

10. The debtor asset identification and valuation system as described in claim 1, wherein the processor includes a machine learning model.

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