| 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. In some embodiments, 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, data comprising:
primary-person identity-related information related to a primary person, the primary-person identity-related information being accessible by a primary person device in response to the identity-related information system receiving primary person credentials from the primary person device, andsecondary-person identity-related information related to a secondary person, wherein the secondary-person identity-related information (i) is inaccessible to the primary person unless authorization has been received from a secondary person device and (ii) is accessible by the secondary person device in response to the identity-related information system receiving secondary person credentials from the secondary person device, wherein the secondary person is uniquely identifiable from the secondary-person identity-related information; receiving, by the identity-related information system and from the primary person device, a secondary person request message requesting transmission, to the primary person device, of identity-related messages relating to the secondary-person identity-related information; 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 predetermined secondary-person identity-related messages to the primary person device; receiving, by the identity-related information system and from the secondary person device, an authorization 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 credit-related information included in the secondary-person identity-related information; and 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 credit-related information. |
