| 摘要 |
Computer-implemented systems and methods for networks that transmit credit, non-credit or identity related alert messages or other identity related messages relating to a secondary person, minor, or other person to a primary person's device. According to certain embodiments, two or more consenting adults, such as, for example, spouses, can have identity related messages relating to their credit status, and in some cases minors' credit status, transmitted to the device of the other person or persons as well as their own device. Each individual's device is able to communicate with the system in order to control what identity related messages the system transmits to their devices, as well as to devices of the other adult. The system automatically terminates transmitting messages if a fraud event occurs. Each individual's device is also able to terminate transmission of such messages to devices of the other adult. |
| 主权项 |
1. A method for transmitting identity related messages, the method comprising:
storing, on an identity-related information system, primary person identity-related information related to a primary person, the primary person identity-related information accessible by a primary person device in response to the system receiving primary person username and password information from the primary person device, wherein the primary person identity-related information comprises information from which the primary person is uniquely identifiable and information describing at least one of a credit history or credit status of the primary person; storing, on the identity-related information system, secondary person identity-related information related to a secondary person, the secondary person identity-related information accessible by a secondary person device in response to receiving secondary person username and password information from the secondary person device, wherein the secondary person identity-related information comprises-information from which the secondary person is uniquely identifiable and information describing at least one of a credit history or credit status of the secondary person, wherein the secondary person identity-related information is inaccessible to the primary person unless authorization has been received from the secondary person device; receiving, by the identity-related information system, a secondary person request message from the primary person device, the secondary person request message requesting that predetermined secondary person identity-related messages relating to the secondary person identity-related information be transmitted to the primary person device; automatically determining whether the identity-related information system includes an account for the secondary person who is a subject of the secondary person request message; in response to determining that the identity-related information system includes the account for the secondary person who is the subject of the secondary person request message, transmitting, by the identity-related information system, a secondary person authorization request message to the secondary person device, the secondary person authorization request message including a request for authorization to transmit the predetermined secondary person identity-related messages to the primary person device; receiving, by the identity-related information system, a secondary person authorization response message from the secondary person device, the secondary person authorization response message authorizing the identity-related information system to transmit the predetermined secondary person identity-related messages to the primary person device; determining, by the identity-related information system, a change in predetermined secondary person identity-related information describing the at least one of the credit history or the credit status of the secondary person stored in the identity-related information system; transmitting, by the identity-related information system, a predetermined secondary person identity-related message to the primary person device based on determining the change in the predetermined secondary person identity-related information describing the at least one of the credit history or the credit status of the secondary person; and automatically ceasing transmission of secondary person identity-related messages to the primary person device based on the identity-related information system detecting a fraud event associated with the secondary person. |
