Patent ID: 11893635
Assignee: CONSUMERINFO.COM, INC.
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 14:
15. A non-transitory computer storage medium storing computer-executable instructions that, when executed by one or more processors, cause the one or more processors to perform at least the following operations:
causing freezing of credit data associated with a user in a secured data store via access preventions;
receiving an inquiry request from a requesting entity, wherein the inquiry request includes a request for the credit data associated with the user; and
in response to receiving the inquiry request:
determining that the credit data of the user is frozen;
in response to determining that the credit data of the user is frozen, generating an alert for delivery to the user, the alert including:
information identifying the requesting entity; and
a user interface element enabling the user to thaw the credit data;

electronically providing the alert to the user via a push notification delivered to a mobile device of the user, wherein the push notification is associated with a mobile application on the mobile device;
receiving indication of a thaw request from the user via user interaction with at least one of (a) the user interface element of the alert or (b) an unlock input entered by the user within the mobile application; and
in response to receiving the thaw request from the user:
causing an override to the access preventions that has been previously set on the credit data of the user, and
subsequent to access of the credit data of the user from the secured data store in accordance with the override, automatically removing the override and maintaining the access prevention, wherein maintaining the access prevention prevents the requesting entity from accessing the credit data of the user after the override has been removed.