Integrated Asset Valuation and Credit System
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Solution Overview
Problem
Current methods lack a comprehensive solution for asset crediting, funding, depositing, auctioning, and stock exchange services for precious metals, stones, jewelry, and artistic assets, failing to create added value for asset owners in a timely manner.
Innovation Solution
A method that involves a valuation report by an expertise committee, asset crediting as a credit facility, international funding and insurance, auctioning through open bidding, and stock exchange listing, with a sequence of financial transactions to create added value for asset owners.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If comprehensive asset services (crediting, funding, depositing, auctioning, stock exchange) are provided through multiple separate channels, then service coverage is improved, but system complexity and transaction time increase
Solution Approach 1:
The patent merges credit facilities, funding services, depositing, auctioning, and stock exchange operations into a single integrated asset management system. The authorized body consolidates multiple previously separate services into one unified platform, allowing asset owners to access all services through a single interface rather than navigating multiple separate channels, thereby reducing system complexity while maintaining comprehensive service coverage
Solution Approach 2:
The authorized body is designed as a universal institution that performs multiple functions simultaneously - acting as a lender, investor, custodian, auctioneer, and stock exchange operator. This multi-functional approach allows the same entity to provide diverse asset services without requiring separate specialized organizations for each function, simplifying the overall system architecture while maintaining service versatility
2Adaptability or versatility
If comprehensive asset services are provided through multiple separate channels, then service coverage is improved, but transaction time increases
Solution Approach 1:
The system performs preliminary valuation and authentication of assets through the expertise committee before assets enter the main transaction流程. This preliminary action ensures that assets are pre-validated and valued, so when they enter credit, funding, auction, or stock exchange processes, no additional verification time is needed, significantly reducing overall transaction time while maintaining comprehensive service coverage
Solution Approach 2:
By combining all asset services under one authorized body, the patent eliminates the time required to transfer assets between multiple separate institutions. Asset owners can sequentially access credit, funding, depositing, auctioning, and stock exchange services without physical or procedural transfers between organizations, reducing transaction time while maintaining full service coverage
3Reliability
If assets are stored in secure facilities, then asset security is improved, but storage costs and operational complexity increase
Solution Approach 1:
The authorized body operates a universal secure storage facility that serves multiple functions - storing assets for credit collateral, funding security, auction preparation, and stock exchange custody. This single multi-functional storage system replaces what would otherwise require separate secure facilities for each service type, reducing operational complexity while maintaining high asset security standards across all operations
Data Source
AI summary
A method for asset crediting, funding, depositing, auctioning and stock exchange is provided. Current owners of precious metals, precious and semi-precious stones, jewelry and artistic assets receive a different service from the authorized body following the valuation report to be provided by the expertise committee. These are pawned as a credit facility according to the Obligations and Commercial Law of the location of the service provided/sold and the associated complementary law and their reimbursement are received as security by the authorized body after the payment of credit. There is a sequence of financial transactions that create added value for the asset owners in a short time. Precious assets taken as security are shown as collateral and credited by the international funding and insurance companies. Funding companies insure these assets as collateral while insurance companies pay a deposit fee to the authorized body providing the depositing service for the movable assets.