```json
{
	"yes": ["yes"],
	"no": ["none"]
}
```
Based on the feature description and the task, it seems that the presence of a telephone (own_telephone) may have some influence on whether a person receives credit or not. 

In the dataset, the possible values for the own_telephone feature are "yes" and "none". 

After analysis, it is found that individuals who own a telephone ("yes") are more likely to receive credit ("yes"), while individuals who do not own a telephone ("none") are less likely to receive credit ("no"). 

Therefore, the dictionary includes:

- For the target class "yes", the possible values of own_telephone are ["yes"].
- For the target class "no", the possible values of own_telephone are ["none"].