Credit repair online service platform and data processing method

By establishing an online credit repair service platform and unifying the management of credit repair business processes, the problems of information dispersion and cross-node disconnection have been solved, and unified tracking and closed-loop processing of order status have been achieved, thereby improving the processing efficiency and accuracy of credit repair business.

CN122367609APending Publication Date: 2026-07-10JIANGXI HERUI DATA TECHNOLOGY CO LTD
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
JIANGXI HERUI DATA TECHNOLOGY CO LTD
Filing Date
2026-04-15
Publication Date
2026-07-10

AI Technical Summary

Technical Problem

In the current credit repair business process, customer information, repair applications, order signing, legal processing, data verification, and financial settlement are scattered across multiple business stages, resulting in information gaps across nodes, irregular connections between order dispatch and approval, difficulty in uniformly tracking order status, and a lack of effective closed-loop processing mechanisms for special business situations such as anomalies, difficult cases, rejections, and rebounds.

Method used

Establish an online credit repair service platform. Through a unified order master data model, link customer information, repair item information, contract information, legal processing information, and financial settlement information. Set up a public data pool, a private data pool, and a self-registered public data pool. Combined with the judgment rules for whether follow-up records are generated within a preset follow-up period, realize the automatic flow of customer data and the return to the original source. Construct a flow mechanism based on order status fields, processing node rules, and approval result fields to realize the orderly switching of online application orders between sales, legal, and data processing nodes. Achieve closed-loop processing through events such as anomalies, difficulties, rejections, and rebounds.

Benefits of technology

It has achieved unified data management, status-driven flow, and cross-node collaborative processing throughout the entire credit repair business process, which has improved the data consistency and traceability throughout the entire order lifecycle, enhanced the standardization of business processing and the efficiency of collaborative processing, improved the accuracy of repair result verification and back-end settlement efficiency, and reduced the burden of manual statistics.

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Abstract

This invention relates to the field of online service platform technology, specifically to an online credit repair service platform and data processing method. The method includes: receiving login requests and enterprise search requests; generating credit repair orders and establishing order master data; writing customer data into the platform's public data pool, self-transmitted public data pool, or private data pool according to the customer's source; and performing data rollback according to the original source if no follow-up record is generated within a preset follow-up period; and performing order dispatch, approval, legal processing, data verification, and financial settlement according to the order status, thereby achieving unified data management and cross-departmental collaborative processing throughout the entire credit repair business process.
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Citation Information

Patent Citations

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    CN121391454A

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    US20030163435A1