Patent ID: 9479471
Filing Date: 2016-10-25
CPC Classification: G06Q,H04L,H04W

Claim Text:
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.