Dynamic configuration credit restoration method, system, equipment and medium

Abstract

The invention discloses a dynamic configuration credit repair method, system and device and a medium, belongs to the technical field of enterprise credit repair, and aims to solve the technical problem of how to realize dynamic configuration of an approval process and a website page of credit repair, meet different requirements of the approval process and the website page in different regions, save development cost and improve enterprise credit repair efficiency. According to the technical scheme, the method comprises the steps that a credit restoration requirement template displayed by a dynamic configuration credit website and a tool template of a dynamic configuration credit restoration process are established, credit restoration services are processed in a process mode, and different website pages and credit restoration processes are established for different regions; the method specifically comprises the following steps: defining a credit restoration requirement template; and customizing a credit repair process: defining different processing processes for the dishonesty data of different sub-classifications by using a workflow customizing tool.

Description

Technical Field

[0001] The present invention relates to the technical field of enterprise credit repair, and specifically relates to a method, system, device and medium for dynamically configuring credit repair. Background Art

[0002] At present, there are differences in the materials submitted by enterprises, the approval processes, and the handling time limits for credit repair business in different regions, but the basic framework of the approval processes is roughly the same. Enterprises need to initiate credit repair operations on credit websites and submit relevant materials. After acceptance by relevant departments, the credit repair situation of the enterprises will be verified. If an enterprise meets the repair conditions, the review will be passed and corresponding certification materials will be issued, indicating that the enterprise has obtained the qualification for credit repair; if the review fails, it will be rejected. Although there are differences in the units for verifying credit repair situations, the review steps, and the required certification materials in different regions, they are generally similar. Developing approval procedures and website pages separately for each region will consume a large amount of time and resources.

[0003] Therefore, how to dynamically configure the approval processes and website pages for credit repair, meet the different requirements of approval processes and website pages in different regions, and save development costs is a technical problem that needs to be solved urgently at present. Summary of the Invention

[0004] The technical task of the present invention is to provide a method, system, device and medium for dynamically configuring credit repair to solve the problems of how to dynamically configure the approval processes and website pages for credit repair, meet the different requirements of approval processes and website pages in different regions, and save development costs.

[0005] The technical task of the present invention is achieved in the following way. A method for dynamically configuring credit repair is to establish a template for credit repair requirements displayed on a dynamically configured credit website and a tool template for dynamically configuring credit repair processes, and process credit repair business in a process-based manner to create different website pages and credit repair processes for different regions; specifically as follows:

[0006] Define a template for credit repair requirements;

[0007] Customize the credit repair process: Use a workflow customization tool to define different processing processes for different sub-categories of discredited data.

[0008] Preferably, defining the template for credit repair requirements is specifically as follows:

[0009] Clarify the main categories: The main categories of the template for credit repair requirements include administrative penalties, abnormal business lists, and blacklists;

[0010] Refine the main categories: Further refine the sub-categories under each main category;

[0011] List the repair requirements: Each subcategory details the different credit repair requirements for discredited data; among them, the credit repair requirements for discredited data include acceptance conditions, list of required materials, relevant basis, processing procedures, and handling channels.

[0012] More preferably, administrative penalties are divided into two subcategories: the market supervision field and the non-market supervision field; the abnormal business list is divided into two subcategories: the market supervision field and the natural resources field; the blacklist is divided into five subcategories: the repair of the list information of seriously discredited entities by the court, the repair of the list information of seriously discredited entities in the tax field, the repair of the list information of seriously discredited entities in the natural resources field, the repair of the list information of seriously discredited entities by the emergency management department, and the list of seriously illegal and discredited entities in market supervision and management.

[0013] More preferably, the units responsible for handling discredited data in each subcategory, the list of materials submitted by enterprises, the processing procedures, and the time limit for handling the procedures are different; thus, when customizing the credit repair process, by selecting the subcategory to which the process belongs, the list of materials cited by the corresponding process is determined.

[0014] More preferably, the information repair process is as follows:

[0015] ① The credit repair process is initiated by the enterprise actively on the credit website: The enterprise browses the credit repair requirements published on the credit website, obtains the discredited data it has, selects the data items to be repaired, and submits the corresponding credit repair materials according to the guidance provided by the website to apply for credit repair; the application submitted will be transferred to the credit platform for review by relevant units; the review results will be feedback to the applying enterprise through the website and notified to the enterprise by text message.

[0016] ② Credit repair pre-review: To improve the efficiency of the credit repair application handling process, the penalty authority pre-reviews the credit discredited records that have ended the publicity period and meet the repair conditions to verify the corresponding repair situation; when the enterprise applies for repair, if the pre-review has passed, directly issue the materials to speed up the handling process and reduce the waiting time of the enterprise; if the pre-review fails, when processing the enterprise's repair application, it is necessary to re-review.

[0017] ③ Credit repair application material review: The penalty authority reviews the enterprise's repair application, checks the repair materials submitted by the enterprise, verifies the enterprise's repair situation, and issues credit repair certification materials.

[0018] A dynamic configuration credit repair system, which processes credit repair services in a process-based manner by establishing a template for displaying credit repair requirements on a dynamically configured credit website and a tool template for dynamically configuring credit repair processes, and creates different website pages and credit repair processes for different regions; the system includes:

[0019] A definition module for defining a template of credit repair requirements for dynamically configuring the display of a credit website;

[0020] A customization module for using a workflow customization tool to define different processing flows for delinquent data of different sub-categories.

[0021] Preferably, the definition module includes:

[0022] A clarification sub-module for clarifying the main categories of the credit repair requirement template, including administrative penalties, abnormal business directories, and blacklists;

[0023] A refinement sub-module for further refining each main category into sub-categories;

[0024] A listing sub-module for detailing the credit repair requirements for different delinquent data for each sub-category; among them, the credit repair requirements for delinquent data include acceptance conditions, list of required materials, relevant basis, processing flow, and handling channels.

[0025] More preferably, when the customization module customizes the credit repair process, by selecting the sub-category to which the process belongs, the list of materials cited by the corresponding process is determined;

[0026] Among them, the information repair process is as follows:

[0027] ① The credit repair process is initiated by the enterprise actively on the credit website: The enterprise browses the credit repair requirements published on the credit website, obtains the delinquent data it has, selects the data items to be repaired, and submits the corresponding credit repair materials according to the guidelines provided by the website to apply for credit repair; the submitted application will be transferred to the credit platform for review by relevant units; the review results will be fed back to the applying enterprise through the website and notified to the enterprise via text message;

[0028] ② Credit repair pre-review: To improve the efficiency of the credit repair application processing process, the penalty authority pre-reviews the credit delinquent records that have ended the publicity period and meet the repair conditions to verify the corresponding repair situation; when the enterprise applies for repair, if the pre-review has passed, directly issue the materials to speed up the processing process and reduce the waiting time of the enterprise; if the pre-review fails, when processing the enterprise's repair application, it is necessary to re-review;

[0029] ③ Credit repair application material review: The penalty authority reviews the enterprise's repair application, checks the repair materials submitted by the enterprise, verifies the enterprise's repair situation, and issues a credit repair certification material.

[0030] An electronic device, including: a memory and at least one processor;

[0031] Among them, a computer program is stored on the memory;

[0032] The at least one processor executes the computer program stored in the memory, such that the at least one processor executes the dynamic configuration credit repair method as described above.

[0033] A computer-readable storage medium stores a computer program, and the computer program can be executed by a processor to implement the dynamic configuration credit repair method as described above.

[0034] The dynamic configuration credit repair method, system, device and medium of the present invention have the following advantages:

[0035] (1) The present invention can customize different website page display data and process execution steps for different cities, and execute different credit repair process branches according to different business data parameters. In this way, the execution efficiency of the credit repair business and the flexibility of the process are significantly improved;

[0036] (2) The present invention can customize exclusive approval processes and website pages for different cities, thus greatly saving development costs and realizing flexible customization of credit repair applications. In addition, if the requirements change, it can be flexibly responded to at any time by adjusting the configuration;

[0037] (3) By constructing a set of credit website data templates and process templates, each city customizes the website display data and approval process of its own city according to the templates, realizes flexible configuration of all links, improves the reusability of credit repair applications, reduces repeated construction, saves development costs, realizes rapid deployment and flexible configuration of credit repair applications to meet the changing needs of projects and quickly respond to changes in customer needs. Simplify the process for enterprises to apply for credit repair and improve the credit repair efficiency;

[0038] (4) The present invention is applicable to repairing three categories of different discredited data, namely administrative penalty, abnormal business list and blacklist data. These data are made by different penalty units, and the repair materials required for repair are different, the process steps of repair are different, and the authorities of law enforcement units also vary;

[0039] (5) By establishing a template for credit repair requirements for dynamically configuring credit website displays and a tool template for dynamically configuring credit repair processes, the present invention processes credit repair services in a process-oriented manner, creates different website pages and credit repair processes for different cities, and quickly deploys and goes online for operation;

[0040] (6) The template for credit repair requirements displayed on the website of the present invention includes multiple major categories, defines sub-categories under the major categories, and defines different credit repair requirements for discredited data of different sub-categories, including acceptance conditions, material lists, legal bases, handling processes, and handling channels;

[0041] (7) The present invention processes credit repair services in a process-based manner, defines exclusive repair processes for the discredited data of each subcategory, and these processes vary in terms of approvers, process steps, and process handling time limits; the execution branches of the processes will vary according to differences such as whether the user needs agency services and the authorities of law enforcement units, and can be adjusted by configuring different data according to the specific requirements of different cities.

[0042] (8) The present invention significantly improves the handling efficiency of the enterprise credit repair process. As a general credit repair tool, it can adapt to the application requirements and approval requirements of credit repair in each city, has excellent practicability and broad application prospects, can adapt to the changes in the needs of the future credit repair field, and can be customized and expanded as needed. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] The present invention will be further described below in conjunction with the drawings.

[0044] Appendix Figure 1 is the flowchart of the credit repair service. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0045] The dynamic configuration credit repair method, system, device and medium of the present invention will be described in detail below with reference to the accompanying drawings of the specification and specific embodiments.

[0046] Embodiment 1:

[0047] This embodiment provides a dynamic configuration credit repair method, which is to establish a credit repair requirement template for dynamic configuration credit website display and a tool template for dynamic configuration credit repair process, and process credit repair services in a process-based manner to create different website pages and credit repair processes for different regions; specifically as follows:

[0048] S1. Define the credit repair requirement template;

[0049] S2. Customize the credit repair process: Use the workflow customization tool to define different processing processes for the discredited data of different subcategories.

[0050] The specific steps for defining the credit repair requirement template in step S1 of this embodiment are as follows:

[0051] S101. Define the main categories: The main categories of the credit repair requirement template include administrative penalties, abnormal business lists, and blacklists;

[0052] S102. Refine the main categories: Further refine the subcategories under each main category;

[0053] S103. List the repair requirements: The credit repair requirements for different discredited data shall be listed in detail for each subcategory; among them, the credit repair requirements for discredited data include acceptance conditions, list of required materials, relevant basis, processing procedures, and handling channels.

[0054] In this embodiment, administrative penalties are divided into two subcategories: the market supervision field and the non-market supervision field; the list of abnormal business operations is divided into two subcategories: the market supervision field and the natural resources field; the blacklist is divided into five subcategories: the repair of the list information of seriously discredited entities by the court, the repair of the list information of seriously discredited entities in the tax field, the repair of the list information of seriously discredited entities in the natural resources field, the repair of the list information of seriously discredited entities by the emergency management department, and the list of seriously illegal and discredited entities in market supervision and management.

[0055] In this embodiment, the units responsible for handling the discredited data of each subcategory, the list of materials submitted by enterprises, the processing procedures, and the time limit for handling the procedures are different; thus, when customizing the credit repair process, by selecting the subcategory to which the process belongs, the list of materials cited by the corresponding process can be determined.

[0056] For example: The blacklist of seriously discredited enterprises by the court is handled by the court, and materials such as the "Credit Repair Application Form", "Letter of Commitment to Abide by Credit", "Duplicate of Business License", "Proof of Legal Representative's Identity", "Notice of Case Closure" or "Order Rejecting the Execution Application" need to be provided; the blacklist of seriously discredited enterprises in the tax field is handled by the tax authorities, and materials such as the "Application Form for Premature Cessation of Publicizing Discredited Information", "Letter of Commitment to Pay Taxes in Good Faith", "Certificate of Tax Compliance", "Tax Payment Voucher for Paying Off Taxes, Late Fees, and Fines", "Order of the People's Court Approving the Reorganization Plan or Recognizing the Settlement Agreement", and "Relevant Materials Issued by the People's Government of the Province, Autonomous Region, Municipality Directly under the Central Government, or City with Independent Planning" need to be provided.

[0057] In this embodiment, the information repair process is as follows:

[0058] ① The credit repair process is initiated by the enterprise actively on the credit website: The enterprise browses the credit repair requirements published on the credit website, obtains the discredited data it has, selects the data items to be repaired, and submits the corresponding credit repair materials in accordance with the guidance provided by the website to apply for credit repair; the application submitted will be transferred to the credit platform for review by relevant units; the review results will be fed back to the applying enterprise through the website and notified to the enterprise in the form of text messages.

[0059] ② Credit repair pre - review: To improve the efficiency of the credit repair application process, the penalty - imposing authority pre - reviews the credit - related bad records that have met the repair conditions after the publicity period to verify the corresponding repair situation. When an enterprise applies for repair, if the pre - review has passed, it can directly submit the materials, speeding up the process and reducing the enterprise's waiting time. If the pre - review fails, the repair application of the enterprise needs to be re - reviewed when processing.

[0060] ③ Credit repair application material review: The penalty - imposing authority reviews the enterprise's repair application, examines the repair materials submitted by the enterprise, verifies the enterprise's repair situation, and issues a credit repair certification material. Taking administrative penalty repair as an example, administrative penalty repair requires three kinds of certification materials. Material 1 and Material 3 are filled in by the enterprise itself, while Material 2 needs to be issued by the penalty - imposing unit. After the penalty - imposing unit reviews the enterprise's repair situation, if the review is correct, it will issue a certification material indicating that the repair conditions have been met and stamp it. These three certification materials need to be submitted to the credit - related website to apply for credit repair. The submission operation can be completed by the enterprise itself or on behalf of the enterprise by the penalty - imposing unit. If the penalty - imposing unit has no agency authority, it will be submitted on behalf of the enterprise by the credit center. Therefore, the credit repair process will vary according to factors such as whether the penalty - imposing unit has passed the pre - review in advance, whether the user requests the penalty - imposing unit to act as an agent, and whether the penalty - imposing unit has agency authority. The flow process is as shown in the appendix Figure 1 shown. The implementation steps of other types of credit repair processes and the materials to be reviewed are different from those of administrative penalty repair, but in all cases, the penalty - imposing unit reviews the materials, verifies the repair situation, determines whether the repair conditions are met, and either conducts the repair or rejects it. The process is basically similar.

[0061] Example 2:

[0062] This example provides a dynamically configured credit repair system. This system creates a template for credit repair requirements displayed on a dynamically configured credit website and a tool template for dynamically configuring the credit repair process, and processes credit repair services in a process - oriented manner, creating different website pages and credit repair processes for different regions. The system includes:

[0063] A definition module, used to define a template for credit repair requirements displayed on a dynamically configured credit website;

[0064] A customization module, used to define different processing processes for different sub - categories of credit - related bad data using a workflow customization tool.

[0065] The definition module in this example includes:

[0066] A clarification sub - module, used to clarify the main categories of the credit repair requirement template, including administrative penalties, abnormal business lists, and blacklists;

[0067] A refinement sub - module, used to further refine each main category into sub - categories;

[0068] List sub - modules for listing in detail the credit repair requirements for different credit - defaulter data for each sub - classification; among them, the credit repair requirements for credit - defaulter data include acceptance conditions, list of required materials, relevant basis, processing procedures, and handling channels.

[0069] When customizing the credit repair process in this embodiment, by selecting the sub - classification to which the process belongs, the list of materials cited by the corresponding process is determined;

[0070] Among them, the information repair process is as follows:

[0071] ① The credit repair process is initiated by the enterprise actively on the credit website: The enterprise browses the credit repair requirements published on the credit website, obtains the credit - defaulter data it has, selects the data items to be repaired, and submits the corresponding credit repair materials according to the guidance provided by the website to apply for credit repair; the submitted application will be transferred to the credit platform for review by relevant units; the review result will be feedback to the applying enterprise through the website and notified to the enterprise in the form of text messages.

[0072] ② Credit repair pre - review: To improve the efficiency of the credit repair application handling process, the penalty - imposing authority pre - reviews the credit - defaulter records that have ended the publicity period and meet the repair conditions to verify the corresponding repair situation; when the enterprise applies for repair, if the pre - review has passed, it directly issues materials to speed up the handling process and reduce the enterprise's waiting time; if the pre - review fails, when processing the enterprise's repair application, it needs to be re - reviewed.

[0073] ③ Credit repair application material review: The penalty - imposing authority reviews the enterprise's repair application, checks the repair materials submitted by the enterprise, verifies the enterprise's repair situation, and issues a credit repair certification material.

[0074] Embodiment 3:

[0075] This embodiment also provides an electronic device, including: a memory and a processor;

[0076] Among them, the memory stores computer - executable instructions;

[0077] The processor executes the computer - executable instructions stored in the memory, so that the processor executes the dynamic configuration credit repair method in any embodiment of the present invention.

[0078] The processor may be a central processing unit (CPU), or may also be other general - purpose processors, digital signal processors (DSPs), application - specific integrated circuits (ASICs), field - programmable gate arrays (FPGAs) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. The processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0079] The memory can be used to store computer programs and / or modules. By running or executing the computer programs and / or modules stored in the memory, and calling the data stored in the memory, the processor realizes various functions of the electronic device. The memory mainly includes a program storage area and a data storage area. Among them, the program storage area can store an operating system, application programs required for at least one function, etc.; the data storage area can store data created according to the use of the terminal, etc. In addition, the memory can also include high-speed random access memory, and can also include non-volatile memory, such as a hard disk, memory, plug-in hard disk, smart media card (SMC), secure digital (SD) card, flash memory card, at least one magnetic disk storage period, flash memory device, or other volatile solid-state storage devices.

[0080] Embodiment 4:

[0081] This embodiment also provides a computer-readable storage medium, in which multiple instructions are stored. The instructions are loaded by the processor to make the processor execute the dynamic configuration credit repair method in any embodiment of the present invention. Specifically, a system or device equipped with a storage medium can be provided. On this storage medium, software program codes for realizing the functions in any one of the above embodiments are stored, and the computer (or CPU or MPU) of the system or device reads and executes the program codes stored in the storage medium.

[0082] In this case, the program code read from the storage medium itself can realize the functions in any one of the above embodiments. Therefore, the program code and the storage medium storing the program code constitute a part of the present invention.

[0083] Embodiments of the storage medium for providing program codes include floppy disks, hard disks, magneto-optical disks, optical disks (such as CD-ROM, CD-R, CD-RW, DVD-ROM, DVD-RAM, DVD-RW, DVD+RW), magnetic tapes, non-volatile memory cards, and ROMs. Optionally, the program code can be downloaded from a server computer through a communication network.

[0084] In addition, it should be clear that not only can the functions in any one of the above embodiments be realized by executing the program code read by the computer, but also by making the operating system or the like operating on the computer complete part or all of the actual operations based on the instructions of the program code.

[0085] In addition, it can be understood that the program code read from the storage medium is written into the memory provided in the expansion board inserted into the computer or into the memory provided in the expansion unit connected to the computer, and then based on the instructions of the program code, the CPU etc. installed on the expansion board or the expansion unit execute part or all of the actual operations, thereby implementing the functions of any one of the above embodiments.

[0086] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit them; although the present invention has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that they can still modify the technical solutions described in the foregoing embodiments, or perform equivalent replacements for some or all of the technical features; and these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present invention.

Claims

1. A method for dynamically configuring credit repair, characterized in that: The method is to establish a credit repair requirement template displayed on a dynamically configured credit website and a tool template for dynamically configuring the credit repair process, handle the credit repair business in a process-based manner, and create different website pages and credit repair processes for different regions; the details are as follows: Define the credit repair request template; Customized credit repair process: Use workflow customization tools to define different processing processes for different subcategories of default data.

2. The dynamic configuration credit repair method according to claim 1, characterized in that: The credit repair requirements template is defined as follows: Clarify the main categories: The main categories of the credit repair requirement template include administrative penalties, abnormal business lists and blacklists; Refine the main categories: Further refine the subcategories under each main category; List the repair requirements: Each sub-category lists in detail the different credit repair requirements for untrustworthy data; among them, the credit repair requirements for untrustworthy data include acceptance conditions, a list of required materials, relevant basis, processing procedures and handling methods.

3. The dynamic configuration credit repair method according to claim 1 or 2, characterized in that: Administrative penalties are divided into two sub-categories: market supervision and non-market supervision; the abnormal operation list is divided into two sub-categories: market supervision and natural resources; the blacklist is divided into five sub-categories: information repair of the court's list of serious untrustworthy entities, information repair of the taxation field's list of serious untrustworthy entities, information repair of the natural resources field's list of serious untrustworthy entities, information repair of the emergency management department's list of serious untrustworthy entities, and the market supervision and management serious illegal untrustworthy list.

4. The method for dynamically configuring credit repair according to claim 3, characterized in that: When customizing a credit repair process, determine the list of materials referenced by the corresponding process by selecting the subcategory to which the process belongs.

5. The method for dynamically configuring credit repair according to claim 4, characterized in that: The information repair process is as follows: ① The credit repair process is initiated by the enterprise on the credit website: the enterprise browses the credit repair requirements published on the credit website, obtains its own default data, selects the data items that need to be repaired, submits the corresponding credit repair materials according to the instructions provided by the website, and applies for credit repair; The submitted application will be transferred to the credit platform and reviewed by the relevant units; The review results will be fed back to the applicant company through the website and notified to the company via SMS; ② Pre-examination of credit restoration: The punishment authority will pre-examine the credit default records that have been exposed and meet the restoration conditions and verify the restoration status. If the enterprise has passed the pre-examination when applying for restoration, the materials will be issued directly to speed up the handling process and reduce the waiting time for the enterprise. If the preliminary review fails, a re-review is required when processing the company's restoration application; ③ Review of credit repair application materials: The punishment authority reviews the enterprise’s repair application, checks the repair materials submitted by the enterprise, verifies the enterprise’s repair situation, and issues credit repair certification materials.

6. A dynamically configured credit repair system, characterized in that: The system processes credit repair business in a process-based manner by establishing a credit repair requirement template displayed on a dynamically configured credit website and a tool template for dynamically configured credit repair processes, creating different website pages and credit repair processes for different regions; The system includes: A definition module for defining a credit repair requirement template displayed on a dynamically configured credit website; The customization module is used to define different processing procedures for different subcategories of dishonest data using workflow customization tools.

7. The dynamic configuration credit repair system according to claim 6, characterized in that: The definition module includes: Clarify submodules to clarify the main categories of credit repair requirement templates, including administrative penalties, abnormal business lists and blacklists; Refinement sub-module, used to further refine each main classification into sub-classifications; List sub-modules to list in detail different credit repair requirements for untrustworthy data for each sub-category; among them, the credit repair requirements for untrustworthy data include acceptance conditions, a list of required materials, relevant basis, processing procedures and handling methods.

8. The dynamic configuration credit repair system according to claim 6 or 7, characterized in that: Customization Module When customizing a credit repair process, determine the list of materials referenced by the corresponding process by selecting the subcategory to which the process belongs; The information repair process is as follows: ① The credit repair process is initiated by the enterprise on the credit website: the enterprise browses the credit repair requirements published on the credit website, obtains its own default data, selects the data items that need to be repaired, submits the corresponding credit repair materials according to the instructions provided by the website, and applies for credit repair; the submitted application will be transferred to the credit platform and reviewed by relevant units; the review results will be fed back to the applicant enterprise through the website and notified to the enterprise by SMS; ② Preliminary review of credit restoration: The punishment authority will preliminarily review the credit default records that have been exposed and meet the restoration conditions and verify the corresponding restoration status; if the enterprise has passed the preliminary review when applying for restoration, the materials will be directly issued to speed up the handling process and reduce the waiting time of the enterprise; if the preliminary review fails, the restoration application of the enterprise needs to be re-reviewed; ③ Review of credit repair application materials: The punishment authority reviews the enterprise’s repair application, checks the repair materials submitted by the enterprise, verifies the enterprise’s repair situation, and issues credit repair certification materials.

9. An electronic device, characterized in that: include: memory and at least one processor; Wherein, the memory stores a computer program; The at least one processor executes the computer program stored in the memory, so that the at least one processor performs the dynamic configuration credit repair method according to any one of claims 1 to 5.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, which can be executed by a processor to implement the dynamic configuration credit repair method according to any one of claims 1 to 5.

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