TWM590281U - Consumer Debt Clearing System - Google Patents

Abstract

A consumer debt clearing system, through the consumer debt management device installed in the largest creditor financial institution, according to the pre-negotiation data provided by the debtor, through the joint collection center to the financial institution that has a creditor relationship with the debtor to request the return of external credit amount data, And through the internal host, the business unit that has a debt relationship with the debtor is required to return the internal debt amount data through the business end device, and according to the external debt amount data, the internal debt amount data, and the debtor’s income and expenditure information and repayment ability, the output is negotiated with the debtor. The debt settlement plan, and after the debt settlement plan is approved by all the creditor financial institutions, let the debtor perform the contract and repay the debt on time in accordance with the agreed debt settlement plan, and assist the debtor to solve its debt problems with all the creditor financial institutions.

Description

Consumer Debt Cleanup System

The present invention relates to a financial management system, especially a consumer debt clearing system that performs consumer debt clearing operations.

"Qianzhaihaiqian" is the commitment and responsibility of the debtor, and legislation in 96 years the Republic of China, the Republic of China has implemented 97 years consumer debt clean-up Regulations (hereinafter referred to as debt clearance regulations) is based on the jurisdiction involved in credit and debt, creditors The way of bearing part of the losses enables the debtor to have the opportunity to solve the debt that is difficult to bear, and to be able to restart economic life and reduce family and social problems. The Debt Clearance Regulations have designed an "out-court pre-negotiation" mechanism that allows the debtor to apply to the largest debtor financial institution for negotiation before the debtor claims rejuvenation or liquidation. To jointly formulate a feasible debt repayment plan to solve the debtor's debt problems in all creditor financial institutions. Therefore, the largest creditor financial institution needs a computer system that can assist in the execution and completion of the pre-negotiation of consumer debt cleanup.

Therefore, the purpose of this new model is to provide a consumer debt clearing system that can assist the largest creditor financial institution to obtain the debtor’s debt information in other creditor financial institutions, and then produce a debt settlement plan to help the debtor pay off the debt. .

Therefore, this new type of consumer debt clearing system can be connected to the Lianzheng Center through the Internet to obtain a debtor's debt information, and includes a consumer debt management device, an internal host, and multiple business-end devices. The consumer debt management device is connected to the Lianzheng Center via the Internet. The internal host is connected to the consumer debt management device via an internal network. The business-end devices are installed at multiple business units and connected to the internal host via an internal network. The consumer debt management device generates a request-return creditor's right file and an acceptance application file based on the inputted basic information related to the debtor, and transmits the request-return creditor's right file to the joint collection center, so that the joint collection center The request returns the creditor's rights file, and requests other financial institutions that have a creditor's right relationship with the debtor to return an external amount of creditor's rights information; and transmits the acceptance application file to the internal host, so that the internal host can request the The business units of the debtor who have the creditor’s rights relationship each return an internal amount of credit information through the business-end device; when the documents that the debtor should provide are complete, the consumer debt management device will send a notice to the joint The collection center and the internal host, so that the joint collection center notifies other financial institutions that have a creditor relationship with the debtor to stop collecting debts to the debtor, and causes the internal host to notify the creditor of the debtor through the business-end devices Of these business units cease to call the debtor to the debtor; after the consumer debt management device receives the external claim amount information and the internal claim amount information, the debtor confirms the external claim amount information and the internal claim amount information After being correct, the consumer debt management device will trial-calculate and produce a debt settlement plan agreed with the debtor based on the external debt amount information, the internal debt amount information and the debtor’s income and expenditure information and repayment ability, and through the The Lianzheng Center sends a request for approval of the settlement plan to the other financial institutions that have a creditor’s rights relationship with the debtor; the consumer debt management device receives all financial institutions that have a creditorship relationship with the debtor in return to agree to the debt settlement After the plan, an agreement is generated for the debtor to sign the contract, and after the signing of the contract, the consumer debt management device sends a contract completion notification to the other financial institutions that have a creditor relationship with the debtor through the joint collection center; After the agreement is determined by the court, the consumer debt management device sends a notification of the court's decision to other financial institutions that have a creditor's right with the debtor through the joint collection center.

In some implementations of the present invention, after receiving the acceptance application file, the internal host also notifies each business unit that has a creditor's right relationship with the debtor to stop the debtor's quota and stop the card through the business-end devices.

In some implementations of the new model, the consumer debt cleanup system is set up in the debtor’s largest creditor financial institution, and a pre-negotiation document submitted by the debtor to the largest debtor financial institution is reviewed by the largest debtor financial institution, and After determining that the debtor meets the pre-negotiation qualifications, the consumer debt management device generates the request return credit file and the acceptance application file based on the input basic information related to the debtor.

In some implementations of the new model, when the largest creditor financial institution judges that the document to be provided by the debtor has not been completed or the qualifications after the documents are completed are not qualified, the largest creditor financial institution will notify the debtor to return and the consumer debt management The device will send a closing notice to the Lianzheng Center and the internal host to notify other financial institutions and business units that have a creditor relationship with the debtor to close the case.

In some implementations of the new model, when the consumer debt management device learns through the joint collection center that at least one other financial institution that has a creditor relationship with the debtor disagrees with the debt settlement plan, the largest creditor financial institution will notify the The debtor's negotiation is not established, and the consumer debt management device will send a closing notice to the joint collection center and the internal host, so as to notify other financial institutions and these business units that have a creditor relationship with the debtor to close the case.

The effect of the new model is that the consumer debt management device installed in the largest creditor's right financial institution is responsible for requesting other financial institutions that have a creditor relationship with the debtor to return the debtor through the joint collection center based on the pre-negotiation data provided by the debtor. External credit amount data, and through the internal host to request the business units that have a creditor relationship with the debtor to return the internal credit amount data through the business-end devices, and based on the external credit amount data, the internal credit amount data and the The debtor’s income and expenditure information and repayment ability, trial calculation and output of a debt settlement plan agreed with the debtor, and after the debt settlement plan is approved by all creditor financial institutions, the debtor can perform the contract and repay the debt on time according to the agreed debt settlement plan , And assist the debtor to solve its debt problems in all creditor financial institutions.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same number.

As shown in FIG. 1, it is an embodiment of the new consumer debt clearing system, which can be connected to the joint collection center 1 through the network to obtain a debtor's debt information in other financial institutions 2 through the joint collection center 1 . Consumer debt clean-up system of the present embodiment 3 is a "pre-negotiation out of court" debt clearance mechanism Ordinance came into being, and set up the largest creditor in the debtor's financial institutions, such as the head office of a bank (or branch), After the debtor submits an application for negotiation to the largest creditor financial institution, the largest creditor financial institution will use the consumer debt liquidation system 3 to work out a feasible debt repayment plan with the debtor according to the debtor’s ability to repay, in order to solve the debtor’s Debt problem.

Therefore, in order to achieve the above purpose, the consumer debt clearing system 3 mainly includes a consumer debt management device 31, an internal host 32, and multiple business terminals installed in different business units (such as loan/loan units, credit card units, etc.)装置33。 33 device. Among them, the consumer debt management device 31 may be but not limited to a personal computer, which is connected to the Lianzheng Center 1 via the Internet; the internal host 32 may be but not limited to a personal computer, which is financed by the largest debt The organization's internal network is connected to the consumer debt management device 31; the business-end devices 33 may be, but not limited to, a personal computer, which is also connected to the internal host 32 via the internal network.

In this way, when the debtor submits a pre-negotiation document to the largest creditor financial institution (including at least a pre-negotiation application and a creditor's inventory requested from the Joint Acquisition Center 1), and the largest creditor financial institution reviews the pre-negotiation document , And after determining that the debtor meets the pre-negotiation qualification, the consumer debt management device 31 will generate a request-return creditor's rights file and an acceptance application file based on the inputted basic information related to the debtor, and return the request to the creditor's right file Send to the joint collection center 1. Therefore, when the joint levy center 1 receives the request to return the creditor's rights file, the joint levy center 1 will return the creditor's right file according to the request, notify other financial institutions 2 that have a creditor relationship with the debtor, and request the creditor to have a creditor's right The other financial institution 2 in the relationship returns information on the amount of an external claim of the debtor.

In addition, the consumer debt management device 31 transmits the acceptance application file to the internal host 32, and after receiving the acceptance application file, the internal host 32 will request the business that has a creditor relationship with the debtor according to the acceptance application file The unit returns a piece of internal credit amount information through each of the business-end devices 33. And after receiving the acceptance application file, the internal host 32 notifies the business units that have a creditor relationship with the debtor through these business-end devices 22 to stop the debtor’s quota (freeze the loan) and stop the card (credit card) .

In addition, the largest creditor financial institution examines the documents that the debtor should provide (in addition to the pre-negotiation application and the creditor’s inventory, for example, it includes the front and back copies of the identity card, the pre-negotiation applicant’s property and income statement statement, nearly 2 When the original annual comprehensive income information list, the original property information list issued in the last month, and the salary certification documents for the last 3 months (original salary slip or payroll copybook... etc.) are complete, the consumer debt management device 31 A reminder notice will be sent to the joint collection center 1 and the internal host 32 to enable the joint collection center 1 to notify other financial institutions 2 that have a creditor relationship with the debtor to stop calling the debtor for arrears and make the internal The host 32 notifies the business units that have a creditor's rights relationship with the debtor through these business-end devices 33 to stop calling the debtor for arrears. If the largest creditor financial institution examines that the documents that the debtor should provide are not complete, for example, if the creditor's inventory is overdue, the creditor's inventory within the validity period (valid within 45 days) will need to be resupplied. And if the documents are still not completed or the qualifications are not met after the documents are completed (for example, the average turnover exceeds 200,000), the largest creditor financial institution will notify the debtor to return the item, and the consumer debt management device 31 will send a closing notice to the The Lianzheng Center 1 and the internal host 32 have notified other financial institutions 2 that have a creditor relationship with the debtor and the business units to close the case.

Then, when the consumer debt management device 31 receives the external credit amount data provided by the other financial institutions 2 from the joint collection center 1 and receives the data provided by the service-end devices 33 from the internal host 32 After the data of the amount of internal claims and the debtor confirm that the data of the amount of external claims and the amount of internal claims are correct, the consumer debt management device 31 based on the amount of external claims and the amount of internal claims 1. The debtor’s income and expenditure information and its ability to repay, etc., trial calculation and output of a debt settlement plan for the largest creditor financial institution to use to negotiate with the debtor. And when the largest creditor financial institution and the debtor reach an agreement on the debt settlement plan, the consumer debt management device 31 will send a request for approval of the settlement plan through the joint collection center 1 containing the debt settlement plan and the debtor’s basic information. Other financial institutions that have a creditor relationship with the debtor2. If the largest creditor financial institution and the debtor have not reached an agreement on the content of the debt settlement plan, the largest creditor financial institution will notify the debtor that the negotiation is not established, and the consumer debt management device 31 will send a closing notice to the joint collection center 1 and The internal host 32 notifies other financial institutions 2 that have a creditor relationship with the debtor and the business units to close the case.

Therefore, when the consumer debt management device 31 obtains (learns) through the joint collection center 1 that all other financial institutions 2 that have a creditor relationship with the debtor return their consent to the debt settlement plan, the consumer debt management device 31 will generate An agreement is for the debtor to sign the contract, and after the largest creditor financial institution receives the agreement signed by the debtor, the consumer debt management device 31 will send a notification of completion of the contract to the debtor through the joint collection center 1 Relationship with other financial institutions 2. Then, the debtor will begin to perform the contract according to the agreed debt settlement plan. Conversely, if at least one creditor bank among other financial institutions 2 that has a creditor relationship with the debtor expresses disagreement with the debt settlement plan, the negotiation is not established, and the largest creditor financial institution will notify the debtor that the negotiation is not established and that the consumer debt management device 31 A closing notice will be sent to the joint collection center 1 and the internal host 32 respectively, so that other financial institutions 2 that have a creditor relationship with the debtor and these business units will be notified separately.

In addition, the largest creditor financial institution will also send the agreement signed by the debtor to the court for approval, and the consumer debt management device 31 will send a (agreement) through the joint collection center 1 to the court to notify the debtor that the debtor has a claim After receiving the court ruling from the other financial institution 2 and the largest creditor financial institution, in addition to sending a document to send the original court ruling to the original creditor's business unit, the consumer debt management device 31 will send another one through the joint collection center 1 Receive notice of court ruling to other financial institutions that have a creditor relationship with the debtor2.

After the debtor begins to perform the contract in accordance with the agreed debt settlement plan, the largest creditor financial institution receives the payment amount of the debtor’s previous crediting day on that day, and the consumer debt management device 31 reports the received debtor payment information at the end of the day. It is sent to Lianzheng Center 1, and the amount of the debtor’s contributions received is regularly distributed to other financial institutions 2 and such business units that have a creditor’s right relationship with the debtor according to the content of the debt settlement plan agreement.

When the debtor pays all the owed money on time and in accordance with the contract, the pre-negotiation operation is completed. The largest creditor financial institution will notify the debtor to complete the pre-negotiation stage, and the consumer debt management device 31 will send a settlement notice to the debtor. Lianzheng Center 1 and the internal host 32 to notify other financial institutions 2 that have a creditor relationship with the debtor and these business units to close the case; but if the debtor has not paid according to the contract after the agreed payment date, the largest creditor institution Need to notify the debtor of the payment regularly (for example, before the 10th of the following month). If the debtor fails to make full payment of the current payment before the 10th of the next month of the payment date, it will be regarded as a breach of the promise. Ruined, and the consumer debt management device 31 will send a ruined settlement notice to the joint collection center 1 and the internal host 32, respectively, to notify other financial institutions 2 and these business units that have a creditor relationship with the debtor Case closed.

In summary, the above embodiment uses the consumer debt management device 31 installed in the largest creditor financial institution to be responsible for the pre-negotiation data provided by the debtor through the joint collection center 1 to other financial institutions 2 that have a creditor relationship with the debtor. Request to return the external credit amount data, and request the business units that have a creditor relationship with the debtor to return the internal credit amount data through the business-end device 33 through the internal host 32, and according to the external credit amount data and the internal credit amount data And the debtor’s income and expenditure information and repayment ability, output a debt settlement plan agreed with the debtor, and after the debt settlement plan is approved by all the creditor financial institutions, the debtor can perform the debt repayment on time according to the agreed debt settlement plan , And assist the debtor to solve its debt problems in all creditor financial institutions, and indeed achieve the effectiveness and purpose of this new type.

However, the above are only examples of the new model. When the scope of the new model cannot be limited by this, any simple equivalent changes and modifications made according to the patent application scope and patent specification content of the new model are still regarded as Within the scope of this new patent.

1‧‧‧ Joint Collection Center 2‧‧‧Other financial institutions 3‧‧‧Consumer Debt Clearing System 31‧‧‧ Consumer Debt Management Device 32‧‧‧Internal host 33‧‧‧Business device

Other features and functions of the present invention will be clearly shown in the embodiments with reference to the drawings, in which: FIG. 1 is a block diagram of a main computer device included in an embodiment of the new consumer debt clearing system and its connection with the Lianzheng Center through a network.

1‧‧‧ Joint Collection Center

2‧‧‧Other financial institutions

3‧‧‧Consumer Debt Clearing System

31‧‧‧ Consumer Debt Management Device

32‧‧‧Internal host

33‧‧‧Business device

Claims (5)

A consumer debt clearing system that can be connected to the Lianzheng Center through the Internet to obtain debt information of a debtor, and includes: 1. A consumer debt management device, which is connected to the Lianzheng Center via the Internet; An internal host connected to the consumer debt management device via an internal network; and Multiple business-end devices, installed at multiple business units and connected to the internal host via an internal network; The consumer debt management device generates a request-return creditor's right file and an acceptance application file based on the inputted basic information related to the debtor, and transmits the request-return creditor's right file to the joint collection center, so that the joint collection center The request returns the creditor's rights file, and requests other financial institutions that have a creditor's right relationship with the debtor to return an external amount of creditor's rights information; and transmits the acceptance application file to the internal host, so that the internal host can request the The business units whose debtors have a creditor's rights relationship each return an internal amount of creditor's rights information through these business-end devices; When the documents to be provided by the debtor are complete, the consumer debt management device will send a notice of suspension to the joint collection center and the internal host, so that the joint collection center notifies other financial institutions with creditor's rights To call the debtor for arrears, and cause the internal host to notify the business units that have a creditor relationship with the debtor through these business-end devices to stop calling the debtor for the arrears; After the consumer debt management device receives the external claim amount information and the internal claim amount information, after the debtor confirms that the external claim amount information and the internal claim amount information are correct, the consumer debt management device based on the external claim amount Information, the amount of internal claims and the debtor’s income and expenditure information and repayment ability, trial calculation and output of a debt settlement plan agreed with the debtor, and a request containing the debt settlement plan is transmitted through the joint collection center to agree to the settlement The plan is notified to other financial institutions that have a creditor's right relationship with the debtor; After the consumer debt management device obtains the return of all financial institutions that have a creditor relationship with the debtor and agrees to the debt settlement plan, an agreement is generated for the debtor to sign the contract, and after the contract is completed, the consumer debt management device uses the joint levy The center sends a notification of completion of the contract to other financial institutions that have a creditor's right relationship with the debtor; and After the agreement signed by the court is determined by the court, the consumer debt management device sends a notification of the court decision to the other financial institution that has a creditor’s right with the debtor through the joint collection center. The consumer debt clearing system as described in claim 1, wherein after receiving the acceptance application file, the internal host also notifies the business units that have a creditor relationship with the debtor to stop the debtor’s utilisation quota through the business-end devices And stop the card. The consumer debt clearing system as described in claim 1 is the largest creditor’s financial institution of the debtor, and a pre-negotiation document submitted by the debtor to the largest creditor’s financial institution is reviewed by the largest creditor’s financial institution and the debtor’s compliance is determined. After pre-negotiation qualifications, the consumer debt management device generates the file of the request for return creditor's rights and the file of the acceptance application based on the input of the basic information related to the debtor. If the consumer debt clearing system described in claim 3, the largest creditor financial institution judges that the document to be provided by the debtor has not been completed or the eligibility is not met after the document is completed, the largest creditor financial institution will notify the debtor to return the item and the consumer The debt management device will send a closing notice to the joint collection center and the internal host, so as to notify other financial institutions and these business units that have a creditor relationship with the debtor to close the case. The consumer debt clearing system according to claim 3, wherein when the consumer debt management device learns through the joint collection center that at least one other financial institution that has a creditor relationship with the debtor disagrees with the debt settlement plan, the largest debt financial The institution will notify the debtor that the negotiation is not established, and the consumer debt management device will send a closing notice to the joint collection center and the internal host to notify other financial institutions and the business units that have a creditor relationship with the debtor to close the case.

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