Networked transmission of reciprocal identity related data messages

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.

TECHNICAL FIELD

This document relates generally to computer-implemented systems and methods that transmit, to the device of a primary person, identity related messages that concern credit, non-credit and/or identity status of a secondary person, minor, or other person.

BACKGROUND

Identity related information systems (sometimes, “systems”) currently deliver credit, bank account or other non-credit and/or identity related alerts or other messages (“identity related messages”) to computers, smartphones, or other devices (“devices”) of individuals who have established a monitoring account on the system for the purpose of monitoring their credit, non-credit or identity related information (“identity related information”). Identity related messages can include, for instance, messages or alerts that a credit rating has changed, an account balance has changed, or that the person's identity is being misappropriated. Sometimes an identity related message can advise the individual to review their account on the system to learn the nature of the identity related information that gave rise to generation of the identity related message. Accordingly, such identity related messages are transmitted to the device of the individual that owns the account (“primary person”). Systems and methods would be desirable that could generate and transmit identity related messages relating to a primary person's spouse or other family member or a third party (“secondary person”) or children or other minor persons (“minor”), to the device of the primary person. Particularly desirable would be such systems and methods in which the secondary person, using his or her device, could communicate with the system to terminate at will the transmission of identity related messages to the primary person's device that are related to the secondary person's identity information on the system.

SUMMARY

According to some embodiments, identity related messages are transmitted to devices of individuals who desire to monitor their individual identity related information on the system. According to certain embodiments of the invention, two or more consenting adults, such as, for example, spouses, can have identity related messages relating to them transmitted to the device of the other person 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. Each individual's device is also able to terminate transmission of such messages to devices of the other adult.

A primary person, who holds the primary person account on the system (and preferably the individual who pays for the service), is able to identify another adult (the secondary person) whose device is to receive the identity related messages, by designating on his or her device (among other ways) the secondary person's email address, mobile number, landline number, or other electronic address or identifying data for the device. The primary person's device designates such identifying data and the identity related information system transmits an email, SMS, or other message to the secondary person. The secondary person is prompted to use his or her device to communicate with the system (including to enroll if they do not have an account). The secondary person's device and the system communicate to authenticate the second person and once authenticated, the secondary person's device may communicate with the system to enable the reciprocal monitoring and sharing of predetermined identity related messages. If the devices of both the primary and secondary persons enable the reciprocal identity monitoring, then (for example) if the device of either individual is transmitted an identity related message, the other individual's device will receive the same message. There is thus (among other things) less chance of an identity related message to go unread.

Communications among devices in according with certain embodiments of the invention can be implemented using electronic mail, text, apps on mobile devices, or as otherwise desired.

In accordance with certain embodiments of the invention, the primary person can designate multiple secondary persons and these embodiments can operate as disclosed in this document with respect to each such secondary person. For example, if a primary person designates two secondary persons, if the device of either secondary person is transmitted an identity related message, the primary person's device and the other secondary person's device can receive the same message, subject to freezes and terminations as disclosed below. Additionally, a secondary person can then operate as a primary person in accordance with certain embodiments of the invention; a secondary person who has agreed to reciprocal monitoring and sharing of predetermined identity related messages and information can in turn identify other persons (such as for example elderly parents) who can become secondary persons.

In manners somewhat similar, a primary person, using his or her device, can also identify or designate a minor individual as the subject of predetermined identity related messages to be provided to the primary person. The system can generate identity related information as to the minor and can provide identity related messages based on such information to the device of the primary person. The system can set flags or take other measures to freeze identity related messages as to such minor to any other third party. The system is also able automatically to cancel or terminate monitoring of the minor's identity related information when the minor reaches age of majority. Primary persons and secondary persons can identify multiple minor persons whose identity related messages can be transmitted to devices of the primary persons and secondary persons as disclosed in this document.

According to some embodiments, such as for instance, where the secondary person already has an account on the identity related information system, there is provided systems and methods for transmitting identity related messages, 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 upon receipt by the system of primary person username and password information from the primary person device;

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 upon receipt of secondary person username and password information from the secondary person device;

Receiving, in 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 the subject of the secondary person request message;

Upon determination that the identity related information system includes an 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 a primary person device;

Receiving, in 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 a primary person device;

Determining, by the identity related information system, if there is a change in predetermined secondary person identity related information stored in the identity related information system; and

Transmitting, by the identity related information system, a predetermined secondary person identity related message to a primary person device if the identity related information system determines there is a change in predetermined secondary person identity related information stored in the identity related information system.

According to some embodiments, such as for instance, where the secondary person does not already have an account that contains identity related information, there is provided systems and methods for transmitting identity related messages, 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 upon receipt of primary person username and password from the primary person device;

Receiving, in the identity related information system, a secondary person request message from the primary person device, the request information requesting that predetermined secondary person identity related messages relating to 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 the subject of the secondary person request message;

Transmitting, by the identity related information system, a secondary person enrollment and authorization request message to a secondary person device, the secondary person enrollment and authorization request message including a request that the secondary person device establish a secondary person account in the identity related information system and for authorization to transmit the predetermined secondary person identity related messages to a primary person device;

Receiving, in the identity related information system, a secondary person enrollment and authorization response message from the secondary person device, the secondary person enrollment and authorization response message including instructions to establish an account in the identity related information system and authorizing the identity related information system to transmit the predetermined secondary person identity related messages to a primary person device;

Establishing a secondary person account for the secondary person in the identity related information system;

Storing, on the identity related information system, secondary person identity related information related to the secondary person, the secondary person identity related information accessible to the secondary person upon receipt of secondary person username and password information from the secondary person device;

Determining, by the identity related information system, if there is a change in predetermined secondary person identity related information stored in the identity related information system; and

Transmitting, by the identity related information system, a predetermined secondary person identity related message to a primary person device if the identity related information system determines there is a change in predetermined secondary person identity related information stored in the identity related information system.

According to some embodiments, such as for instance, where identity related messages relating to a minor person are desired to be transmitted to a primary person device, there is provided systems and methods for transmitting minor identity related messages to a primary person device, 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 upon receipt of primary person username and password from the primary person device;

Receiving, in the identity related information system, a minor person request message from the primary person device, the minor person request message including name and date of birth for a minor person and requesting that predetermined minor person identity related messages be transmitted to the primary person device;

Automatically verifying in the identity related information system that minor person identity related information is stored in the identity related information system for a minor person corresponding to the name and date of birth stated in the minor person request message, or automatically creating new minor person identity related information for a minor person corresponding to the name and date of birth stated in the minor person request message;

Storing, on the identity related information system, minor person identity related information related to the minor person;

Determining, by the identity related information system, if there is a change in predetermined minor person identity related information stored in the identity related information system;

Receiving an authentication message authenticating that there is a predetermined legal relationship between the primary person and the minor person, the authentication message based on documents proving the legal relationship between the primary person and the minor person;

Transmitting, by the identity related information system, a predetermined minor person identity related message to a primary person device if the identity related information system determines there is a change in predetermined minor person identity related information stored in the identity related information system;

Automatically freezing access to the minor person identity related information by the device of any party other than a primary person or a secondary person; and

Automatically freezing transmission of minor person identity related messages to the device of any party other than a primary person device or a secondary person device.

According to some embodiments, such as for instance, where both secondary person identity related messages and minor person identity related messages are desired to be transmitted to a primary person device, there is provided systems and methods for transmitting secondary person identity related messages and minor person identity related messages to a primary person device, 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 upon receipt of primary person username and password from the primary person device;

Receiving, in 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 secondary person identity related information be transmitted to the primary person device;

Transmitting, by the identity related information system, a secondary person enrollment and authorization request message to a secondary person device, the secondary person enrollment and authorization request message including a request that the secondary person device establish a secondary person account in the identity related information system and for authorization to transmit the predetermined secondary person identity related messages to a primary person device;

Receiving, in the identity related information system, a secondary person enrollment and authorization response message from the secondary person device, the secondary person enrollment and authorization response message including instructions to establish an account in the identity related information system and authorizing the identity related information system to transmit the predetermined secondary person identity related messages to a primary person device;

Storing, on the identity related information system, secondary person identity related information related to the secondary person, the secondary person identity related information accessible to the secondary person upon receipt of secondary person username and password information from the secondary person device;

Receiving, in the identity related information system, a minor person request message from the primary person device, the minor person request message including name and date of birth for a minor person and requesting that predetermined minor person identity related messages be transmitted to the primary person device;

Automatically verifying in the identity related information system that minor person identity related information is stored in the identity related information system for a minor person corresponding to the name and date of birth stated in the minor person request message, or automatically creating new minor person identity related information for a minor person corresponding to the name and date of birth stated in the minor person request message;

Storing, on the identity related information system, minor person identity related information related to the minor person;

Determining, by the identity related information system, if there is a change in predetermined secondary person identity related information stored in the identity related information system;

Receiving an authentication message authenticating that there is a predetermined legal relationship between the primary person and the minor person, the authentication message based on documents proving the legal relationship between the primary person and the minor person;

Transmitting, by the identity related information system, a predetermined secondary person identity related message to a primary person device if the identity related information system determines there is a change in predetermined secondary person identity related information stored in the identity related information system.

Determining, by the identity related information system, if there is a change in predetermined minor person identity related information stored in the identity related information system;

Transmitting, by the identity related information system, a predetermined minor person identity related message to a primary person device if the identity related information system determines there is a change in predetermined minor person identity related information stored in the identity related information system;

Automatically freezing access to the minor person identity related information by the device of any party other than a primary person or a secondary person; and

Automatically freezing transmission of minor person identity related messages to the device of any party other than a primary person device or a secondary person device.

In some embodiments, the identity related information system can also automatically transmit predetermined primary person identity related messages to a secondary person device when the identity related information system determines there is a change in predetermined primary person identity related information stored in the identity related information system.

In some embodiments, transmission of the secondary person identity related messages to the primary person device can be cancelled upon receipt by the identity related information system of a secondary person cancellation message transmitted from the secondary person device. In some embodiments, when transmission of the secondary person identity related messages to the primary person device is cancelled, secondary person identity related information stored in the identity related information system at time of receipt by the system of the cancellation message remains accessible by the primary person device. In some embodiments, transmission of the primary person identity related messages to the secondary person device can be cancelled upon receipt by the identity related information system of a primary person cancellation message transmitted from the primary person device. In some embodiments, when transmission of the primary person identity related messages to the secondary person device is cancelled, primary person identity related information stored in the identity related information system at time of receipt by the system of the cancellation message remains accessible by the secondary person device.

In some embodiments upon receipt by the primary person device of a secondary person identity related message, the primary person device can access secondary person identity related information stored in the identity related information system using the primary person user name and password. In some embodiments, upon receipt by the secondary person device of a primary person identity related message, the secondary person device can access primary person identity related information stored in the identity related information system using the secondary person user name and password.

In some embodiments, the identity related information system can control the secondary person identity related information stored in the identity related information system that is accessible by the primary person device. In some embodiments, the identity related information system can control the primary person identity related information stored in the identity related information system that is accessible by the secondary person device.

In some embodiments, the secondary person device can control the secondary person identity related information that is accessible by the primary person device. In some embodiments, the primary person device can control the primary person identity related information that is accessible by the secondary person device.

In some embodiments, the primary person identity related message includes an alert that primary person identity related information has changed. In some embodiments, the secondary person identity related message includes an alert that secondary person identity related information has changed.

In some embodiments, the identity related information system automatically stops transmitting secondary person identity related messages to the primary person device when the identity related information system detects a fraud event. In some embodiments, the identity related information system automatically stops transmitting primary person identity related messages to the secondary person device when the identity related information system detects a fraud event. In some embodiments, the identity related information system automatically stops transmitting minor person identity related messages to the primary person device when the identity related system detects a fraud event.

In some embodiments, the identity related information system discontinues determining if there is a change in predetermined minor person identity related information stored in the identity related information system when the identity related information system receives an emancipation message that the minor has emancipated or when the identity related information system detects expiration of a predetermined time period after date of birth stated in the minor person's identity related information.

DETAILED DESCRIPTION

FIG. 1depicts an example of an environment in which certain embodiments may be implemented. The identity related information system100can be owned or maintained by a regulated credit reporting agency or other entity and can communicate via the internet or other networks wirelessly or via wireline with subscriber devices102such as computers104, smartphones106, tablets108and other user devices used by subscribers and users. Other types of subscriber devices can be used.FIG. 1shows a first such user device110titled, “primary person device” that is used by a primary person such as a subscriber for data or services provided by the identity related information system100.FIG. 1also shows a second such user device112titled “secondary person device” that is used by a secondary person who may or may not be a subscriber for data or other services provided by the identity related information system100.

The identity related information system100can comprise multiple servers or other platforms or computing entities which may be connected or linked to each other in conventional fashion either locally or distantly such as by internet or other network. In the embodiment shown inFIG. 1, identity related information system100includes an analytics engine130, a management server118and a communications server120.

The communications server120can transmit messages to and receive messages from any or all subscriber devices102through the internet or other network122. For example, communications server102can transmit and receive electronic mail messages to and from subscriber devices102, and it can transmit and receive browser based or other types of messages to and from subscriber devices102in a session on the world wide web, other network or as otherwise desired. Generally though not necessarily a subscriber's user name and password must be entered into subscriber device102in order for subscriber device102to be granted access to information in identity related information system100. Communications server120can communicate with subscriber devices102using electronic mail, SMS, via apps on the subscribers' devices, or as otherwise desired.

The identity related information system100can also communicate via the internet or other networks or otherwise with one or more credit related storage124such as databases maintained by regulated credit reporting agencies. It can also communicate via the internet or other networks or otherwise with one or more identity data storage126such as databases that maintain information related to individuals' identities. The identity related information system100can communicate with these platforms124and126to receive data that related to individuals' credit status, credit history, bank account, identity, and other data relevant to an individual's credit status and history and their identity, such data or derivatives of it, perhaps as mediated on the management server118, for storage in analytics engine memory132or other memory in analytics engine130or identity related information system100. Such communication can occur over the internet or other desired network122, using communications server120or as otherwise desired.

The analytics engine memory132can store identity related data for a group of individuals or other entities. The data can be stored in a plurality of locations using flat file, relational or other database architectures. According to one embodiment of the invention, identity related data can be stored for a number of individuals and entities in locations organized by individual or entity. Thus, as shown inFIG. 1, a first dataset that corresponds to Primary Person 1 can include “Name,” “Date of Birth,” “SSN,” “Item 1,” “Item 2,” . . . “Identity Item N.” The same schema for data storage and location can be employed to store data for Primary Person 2, for a Minor Person, and for other individuals and entities.

The management server118is connected to analytics engine130and provides an interface for human or artificial intelligence to validate, edit, mediate and/or control data received from sources outside identity related information system100ultimately for storage in analytics engine memory132. The management server118can also be employed to allow operators to inspect documents and other evidence in order to make decisions that allow validation of data, establishment of accounts for services to be provided by the identity related information system100, verification of a Primary Person/Minor Person and/or Secondary Person/Minor Person legal relationship as addressed below, or other situations where human or other mediation or control over data stored in analytics engine memory132is desired.

The analytics engine130can instruct system100to transmit and receive data and messages to and from subscriber devices102, including primary person device110and secondary person device112, through communications server120; transmit data to and receive data from identity data storage124, identity data storage126and management server118; transmit instructions, data or other messages to and receive them from management server118; and operate and execute on these messages, data and instructions to perform processes according to various embodiments of the invention as discussed more fully elsewhere in this document including in the disclosure below andFIGS. 3-6.

FIG. 2is a block diagram of analytics engine130ofFIG. 1. Other implementations may be utilized, such as implementations that include multiple devices, each configured for performing selected functions.

The analytics engine130includes a processor128that can execute code stored on a tangible computer-readable medium in an analytics engine memory132, to cause the analytics engine130to perform various functions and execute or otherwise carry out various processes. The analytics engine130may include any device that can store data, process data and execute code that is a set of instructions to perform functions. Examples of the devices include a database server, a web server, desktop personal computer, a laptop personal computer, a server device, a handheld computing device, and a mobile device.

Examples of the processor128include a microprocessor, an application-specific integrated circuit (ASIC), a state machine, or other suitable processor. The processor may include one processor or any number of processors. The processor can access code stored in the memory via a bus. The processor memory may be any non-transitory computer-readable medium configured for tangibly embodying code and can include electronic, magnetic, or optical devices. Examples of the processor memory include random access memory (RAM), read-only memory (ROM), a floppy disk, compact disc, digital video device, magnetic disk, an ASIC, a configured processor, or other storage device.

Instructions can be stored in the processor128or in analytics engine memory132as executable code. The instructions can include processor-specific instructions generated by a compiler and/or an interpreter from code written in any suitable computer-programming language. The instructions can include one or more applications, such as applications that (among other things) control transmitting and receiving of data and messages to and from subscriber devices102, including primary person device110and secondary person device112, through communications server120; transmission of data to, receiving data from and analyzing data stored in credit data storage126, identity data storage126and management server118; transmitting instructions, data or other messages to and receiving them from management server118; retrieving and executing on rules or instructions stored in analytics engine memory132; operating on and/or evaluating data stored in analytics engine memory132that has been retrieved from credit data storage124and identity data storage126in order to, for example, determine if identity related information for a particular person such as primary person, secondary person or a minor person has changed or an identity related message should be transmitted to a subscriber such as primary person and/or secondary person, or whether transmission of messages to subscriber devices102should be frozen, or whether data as to a minor should be unfrozen, such as for example because the minor has reached the age of majority as calculated by processor128based on date of birth stored in storage124or126or analytics engine memory132.

Each of identity data storage124, identity data storage126, management server118and communications server120may be structured similarly and operate similarly to analytics engine130with respect to processor, memory, internal communications and communications with other servers and other devices.

FIG. 3is a process flow diagram of certain primary person/secondary person related processes which can be executed on the analytics engine130ofFIG. 2or otherwise in identity related information system100according to an embodiment of the invention. The process begins when the identity related information system100receives a secondary person request message310from a primary person device112. Secondary person request message310can contain data such as name, residence and SSN to identify a secondary person as to whom the primary person desires to have identity related messages transmitted by the identity related information system100to the primary person device110. Analytics engine130uses this identification information to determine whether secondary person has established an account on identity related information system100.

If secondary person has already established an account on identity related information system100, then analytics engine130makes a decision to instruct system100to transmit a secondary person authorization request message312to secondary person device112, which decision can be executed on by communications server120or as otherwise desired by identity related information system100to transmit the secondary person authorization request message312to secondary person device112. The identity related information system100can then receive a secondary person authorization response message314from secondary person device112which message can contain data indicating that secondary person authorizes identity related information system100to transmit identity related messages316to primary person device110.

If secondary person has not already established an account on identity related information system100, the analytics engine130makes a decision to instruct system100to transmit to secondary person device112an enrollment and authorization message313, which decision can be executed on by communications server120or as otherwise desired by identity related information system100to transmit the secondary person enrollment and authorization request message313to secondary person device112. The identity related information system100can then receive a secondary person enrollment and authorization response message315from secondary person device112which message can contain data indicating that secondary person authorizes identity related information system100to transmit identity related messages316to primary person device110. Analytics engine130can interact with secondary person device112to establish an account for secondary person in identity related information system100.

Upon receipt of secondary person authorization response message314or the secondary person enrollment and authorization response message315, and after an account has been established in identity related information system100for secondary person, as the case may be, the analytics engine130can establish a schema wherein: (1) secondary person identity related messages316are transmitted to primary person device110(in addition to primary person identity related messages316being transmitted to primary person device110); (2) primary person device110can gain access to secondary person identity related information stored in identity related information system100using primary person's user name and password; (3) primary person identity related messages316are transmitted to secondary person device112(in addition to secondary person identity related messages316being transmitted to secondary person device112); and (4) secondary person device112can gain access to primary person identity related information stored in identity related information system100using secondary person's user name and password.

The analytics engine130can analyze data stored in analytics engine memory132, credit data storage124and/or identity data storage126as to primary person, and data stored in analytics engine memory132, credit data storage124and/or identity data storage126as to secondary person in order to determine if there has been a change in the data in a particular period of time. These components or functionalities can perform this analysis continuously, or periodically using predetermined periods of time such as hourly or daily. If these components or functionalities determine there has been a change in data for primary person, the identity related information system100can make a decision to transmit an identity related message316to primary person device110. The identity related message316can also be transmitted to secondary person device112if the primary person and secondary person account with the identity related information system provides therefor. If these components or functionalities determine there has been a change in data for secondary person, the identity related information system100can make a decision to transmit an identity related message316to primary person device110and to secondary person device112. The identity related message316transmitted to each of primary person device110and secondary person device112can contain data that, for example, informs primary person and secondary person, respectively, that data related to primary person stored in the identity related information system100has changed, or that data related to secondary person stored in the identity related information system100has changed. The identity related messages316can be transmitted by communications server120or other portions of identity management information system100as desired.

As to the primary person device110, the identity related message316can also provide a link or instructions that allows primary person device110to access identity related data stored in identity related information system100pertaining to primary person, using primary person's user name and password, or other credentials, including out of wallet credentials for example. The identity related message316can also provide a link or instructions that allows primary person device110to access identity related data stored in identity related information system100pertaining to secondary person, using primary person's user name and password, or other credentials, including out of wallet credentials for example. The identity related information system100can then allow such access upon receipt of proper credentials.

As to the secondary person device112, the identity related message316can also provide a link or instructions that allows secondary person device112to access identity related data stored in identity related information system100pertaining to secondary person, using secondary person's user name and password, or other credentials, including out of wallet credentials for example. As the case may be, the identity related message316can also provide a link or instructions that allows secondary person device112to access identity related data stored in identity related information system100pertaining to the primary person, using secondary person's user name and password, or other credentials, including out of wallet credentials for example. The identity related information system100can then allow such access upon receipt of proper credentials.

The analytics engine130, before transmitting identity related messages316, can determine if there is a legislative freeze, fraud freeze or other freeze in place as to either primary person or secondary person. Such determination can be made based on data from or freeze flag in analytics engine memory132, credit data storage124, identity data storage126, and/or data from management server118. If a freeze is in place for primary person, the analytics engine can make a decision to block transmitting by identity related information system100of identity related messages316to secondary person device112that pertain to primary person, and to preclude secondary person device112from accessing data stored in identity related information system100pertaining to primary person. If a freeze is in place for secondary person, the analytics engine can make a decision to block transmitting by identity related information system100of identity related messages316to primary person device110that pertain to secondary person, and to preclude primary person device110from accessing data stored in identity related information system100pertaining to secondary person.

Secondary person device112can, at any time, transmit a termination message318to identity related information system100instructing identity related information system100to stop transmitting identity related messages316to primary person device110, and to stop allowing access of secondary person data stored on identity related information system by primary person device110. Before transmitting identity related messages316that relate to secondary person to primary person device110, the analytics engine130determines whether identity related information system100includes a flag or data that indicate such a termination message318has been received. If such a message318has been received, analytics engine130blocks transmitting to primary person device110any identity related messages316that relate to secondary person data stored in identity related management system100, and blocks access to such data by primary person device110. However, secondary person data stored in identity related information system100before that system receives the termination message316remains available to primary person.

Primary person device110can, at any time, transmit a termination message318to identity related information system100instructing identity related information system100to stop transmitting identity related messages316to secondary person device112, and to stop allowing access of primary person data stored on identity related information system100by secondary person device112. Before transmitting identity related messages316that relate to primary person to secondary person device112, the analytics engine130determines whether identity related information system100includes a flag or data that indicate such a termination message318has been received. If such a message318has been received and a flag set, analytics engine130blocks transmitting to secondary person device112any identity related messages316that relate to primary person data stored in identity related management system100, and blocks access to such data by secondary person device112. However, primary person data stored in identity related information system100before that system receives the termination message316remains available to secondary person.

In accordance with certain embodiments of the invention, the primary person can designate multiple secondary persons and these embodiments can operate as disclosed in this document with respect to each such secondary person. For example, if a primary person designates two secondary persons, if the device of either secondary person is transmitted an identity related message316, the primary person's device110and the other secondary person's device112can receive the same message, subject to freezes and terminations as disclosed below. Additionally, a secondary person device112can then operate as a primary person device110in accordance with certain embodiments of the invention; a secondary person who has agreed to reciprocal monitoring and sharing of predetermined identity related messages and information can in turn identify, via secondary person device112other persons (such as for example elderly parents) who can become secondary persons and whose devices then operate as secondary person devices112.

FIG. 4is a process flow diagram of certain primary person/minor person related processes executed on the analytics engine130ofFIG. 2or as otherwise desired in identity related information system100according to an embodiment of the invention. The process begins when the identity related information system100receives a minor person request message410from a primary person device110. Minor person request message410can contain data such as name, residence and SSN to identify a minor person, as to whom the primary person has a sufficient legal relationship and as to who primary person desires to have identity related messages transmitted by the identity related information system100to the primary person device110. Analytics engine130uses this minor person identification information to determine whether identity related information system100has established a file that relates to minor person. If not, analytics engine130instructs identity related information system100to establish a file that relates to minor person, which begins storing identity data relating to minor person in that file.

The analytics engine130can implement logic wherein: (1) minor person identity related messages416are transmitted to primary person device110(in addition to primary person identity related messages316being transmitted to primary person device110); and (2) primary person device110can gain access to minor person identity related information stored in identity related information system100using primary person's user name and password.

The analytics engine130can analyze data stored in analytics engine memory132, credit data storage124and/or identity data storage126as to primary person, and data stored in analytics engine memory132, credit data storage124and/or identity data storage126as to minor person in order to determine if there has been a change in the data in a particular period of time. These components or functionalities can perform this analysis continuously, or periodically using predetermined periods of time such as hourly or daily. If these components or functionalities determine there has been a change in data for primary person, the identity related information system100can make a decision to transmit an identity related message316to primary person device110. If these components or functionalities determine there has been a change in data for minor person, the identity related information system100can make a decision to transmit a minor person identity related message416to primary person device110.

However, before such minor person related identity related message416transmissions occur, primary person must establish facts that show minor person and primary person have a sufficient legal relationship to support transmission by identity related information system100of identity related messages416as to minor person to primary person device110, and to allow access by primary person device110to minor person identity related data stored on identity related information system100. For example, primary person can submit legal documents to an operator of management server118that prove primary person is parent or guardian of minor person. The operator of management server118can, upon determination that such documents establish a sufficient legal relationship between primary person and minor person, set a flag or otherwise enter into management server118data to the effect that such a sufficient legal relationship has been established. Management server118can then transmit to analytics engine130a minor person authorization message412that authorizes analytics engine130to operate consistently with transmission of identity related messages416as to minor person to primary person device110, and allowance of access by primary person device110to minor person identity related data stored on identity related information system100.

The identity related messages316and416transmitted to primary person device110can contain data that, for example, inform primary person that data related to primary person and/or minor person, as the case may be, stored in the identity related information system100have changed. The identity related messages316and416can be transmitted by communications server120or other portions of identity management information system100as desired.

As to the primary person device110, the identity related message316can also provide a link or instructions that allows primary person device110to access identity related data stored in identity related information system100, using primary person's user name and password, or other credentials, including out of wallet credentials for example. The minor person identity related message416can also provide a link or instructions that allows primary person device110to access minor person identity related data stored in identity related information system100pertaining to minor person, using primary person's user name and password, or other credentials, including out of wallet credentials for example. The identity related information system100can then allow such access upon receipt of proper credentials.

The analytics engine130, upon receiving the minor person authorization message412, automatically establishes a minor status freeze on transmission of minor person identity related messages416to any device other than primary person device110and on access by any device other than primary person device110to minor person identity related information stored in identity related management system. The identity related information system100can also discontinue determining if there is a change in predetermined minor person identity related information stored in the identity related information system when the identity related information system receives an emancipation message that the minor has emancipated or when the identity related information system detects expiration of a predetermined time period after date of birth stated in the minor person's identity related information.

If the analytics engine130determines that minor person has not reached the age of majority and has not emancipated or otherwise should not be treated as a secondary person instead of a minor person, it nevertheless, before transmitting minor person identity related messages416to primary person device110, can determine if there is a legislative freeze, fraud freeze or other freeze in place as to minor person that proscribes transmission of minor person identity related messages416to primary person device and/or access by primary person device110to minor person identity related data stored in identity related information system100. Such determination can be made based on data from or freeze flag in analytics engine memory132, data from credit data store124, identity data store126, and/or data from management server118. If a freeze is in place for minor person, the analytics engine can make a decision to block transmitting by identity related information system100of minor person identity related messages416to primary person device110, and to preclude primary person device110from accessing minor person identity related data stored in identity related information system100.

Primary persons and secondary persons can, via their devices110and112, respectively, identify multiple minor persons whose identity related messages416can be transmitted to primary person devices110and secondary person devices112as disclosed in this document.

FIG. 5is a process flow diagram of certain primary person/secondary person/minor person related processes executed on the analytics engine130ofFIG. 2or as otherwise desired in identity related information system100according to an embodiment of the invention. The process begins when the identity related information system100receives a secondary person request message510from a primary person device112. Secondary person request message510can contain data such as name, residence and SSN to identify a secondary person as to whom the primary person desires to have identity related messages transmitted by the identity related information system100to the primary person device110. Analytics engine130uses this identification information to determine whether secondary person has established an account on identity related information system100.

If secondary person has already established an account on identity related information system100, then analytics engine130makes a decision to instruct system100to transmit a secondary person authorization request message512to secondary person device112, which decision can be executed on by communications server120or as otherwise desired by identity related information system100to transmit the secondary person authorization request message512to secondary person device112. The identity related information system100can then receive a secondary person authorization response message514from secondary person device112which message can contain data indicating that secondary person authorizes identity related information system100to transmit identity related messages316to primary person device110.

If secondary person has not already established an account on identity related information system100, the analytics engine130makes a decision to instruct system100to transmit to secondary person device112an enrollment and authorization message513, which decision can be executed on by communications server120or as otherwise desired by identity related information system100to transmit the secondary person enrollment and authorization request message513to secondary person device112. The identity related information system100can then receive a secondary person enrollment and authorization response message515from secondary person device112which message can contain data indicating that secondary person authorizes identity related information system100to transmit identity related messages516to primary person device110. Analytics engine130can interact with secondary person device112to establish an account for secondary person in identity related information system100.

Upon receipt of secondary person authorization response message514or the secondary person enrollment and authorization response message515, and after an account has been established in identity related information system100for secondary person, as the case may be, the analytics engine130can implement logic wherein: (1) secondary person identity related messages516are transmitted to primary person device110(in addition to primary person identity related messages516being transmitted to primary person device110); (2) primary person device110can gain access to secondary person identity related information stored in identity related information system100using primary person's user name and password; (3) primary person identity related messages516are transmitted to secondary person device112(in addition to secondary person identity related messages516being transmitted to secondary person device112); and (4) secondary person device112can gain access to primary person identity related information stored in identity related information system100using secondary person's user name and password.

The analytics engine130can analyze data stored in analytics engine memory132, credit data storage124and/or identity data storage126as to primary person, and data stored in analytics engine memory132, credit data storage124and/or identity data storage126as to secondary person in order to determine if there has been a change in the data in a particular period of time. These components or functionalities can perform this analysis continuously, or periodically using predetermined periods of time such as hourly or daily. If these components or functionalities determine there has been a change in data for primary person, the identity related information system100can make a decision to transmit an identity related message516to primary person device110. The identity related message516can also be transmitted to secondary person device112if the primary person and secondary person account with the identity related information system provides therefor. If these components or functionalities determine there has been a change in data for secondary person, the identity related information system100can make a decision to transmit an identity related message516to primary person device110and to secondary person device112. The identity related message516transmitted to each of primary person device110and secondary person device112can contain data that, for example, informs primary person and secondary person, respectively, that data related to primary person stored in the identity related information system100has changed, or that data related to secondary person stored in the identity related information system100has changed. The identity related messages516can be transmitted by communications server120or other portions of identity management information system100as desired.

As to the primary person device110, the identity related message516can also provide a link or instructions that allows primary person device110to access identity related data stored in identity related information system100pertaining to primary person, using primary person's user name and password, or other credentials, including out of wallet credentials for example. The identity related message516can also provide a link or instructions that allows primary person device110to access identity related data stored in identity related information system100pertaining to secondary person, using primary person's user name and password, or other credentials, including out of wallet credentials for example. The identity related information system100can then allow such access upon receipt of proper credentials.

As to the secondary person device112, the identity related message516can also provide a link or instructions that allows secondary person device112to access identity related data stored in identity related information system100pertaining to secondary person, using secondary person's user name and password, or other credentials, including out of wallet credentials for example. As the case may be, the identity related message516can also provide a link or instructions that allows secondary person device112to access identity related data stored in identity related information system100pertaining to the primary person, using secondary person's user name and password, or other credentials, including out of wallet credentials for example. The identity related information system100can then allow such access upon receipt of proper credentials.

The analytics engine130, before transmitting identity related messages516, can determine if there is a legislative freeze, fraud freeze or other freeze in place as to either primary person or secondary person. Such determination can be made based on data from or freeze flag in analytics engine memory132, credit data store124, identity data store126, and/or data from management server118. If a freeze is in place for primary person, the analytics engine can make a decision to block transmitting by identity related information system100of identity related messages516to secondary person device112that pertain to primary person, and to preclude secondary person device112from accessing data stored in identity related information system100pertaining to primary person. If a freeze is in place for secondary person, the analytics engine can make a decision to block transmitting by identity related information system100of identity related messages516to primary person device110that pertain to secondary person, and to preclude primary person device110from accessing data stored in identity related information system100pertaining to secondary person.

Secondary person device112can, at any time, transmit a termination message518to identity related information system100instructing identity related information system100to stop transmitting identity related messages516to primary person device110, and to stop allowing access of secondary person data stored on identity related information system by primary person device110. Before transmitting identity related messages516that relate to secondary person to primary person device110, the analytics engine130determines whether identity related information system100includes a flag or data that indicate such a termination message518has been received. If such a message518has been received, analytics engine130blocks transmitting to primary person device110any identity related messages516that relate to secondary person data stored in identity related management system100, and blocks access to such data by primary person device110. However, secondary person data stored in identity related information system100before that system receives the termination message516remains available to primary person.

Primary person device110can, at any time, transmit a termination message518to identity related information system100instructing identity related information system100to stop transmitting identity related messages516to secondary person device112, and to stop allowing access of primary person data stored on identity related information system100by secondary person device112. Before transmitting identity related messages516that relate to primary person to secondary person device112, the analytics engine130determines whether identity related information system100includes a flag or data that indicate such a termination message518has been received. If such a message518has been received and a flag is set, analytics engine130blocks transmitting to secondary person device112any identity related messages516that relate to primary person data stored in identity related management system100, and blocks access to such data by secondary person device112. However, primary person data stored in identity related information system100before that system receives the termination message516remains available to secondary person.

The process flow ofFIG. 5also allows primary person and/or secondary person to receive minor person identity related messages516and to access minor person identity related data stored on identity related information system100. Identity related information system100receives a minor person request message520from a primary person device110or a secondary person device112. Minor person request message520can contain data such as name, residence and SSN to identify a minor person, as to whom the primary person and/or secondary person has a sufficient legal relationship and as to who primary person and/or secondary person desires to have identity related messages transmitted by the identity related information system100to the primary person device110and/or the secondary person device. Analytics engine130uses this minor person identification information to determine whether identity related information system100has established a file that relates to minor person. If not, identity related information system100establishes a file that relates to minor person, and begins storing identity data relating to minor person in that file.

The analytics engine130can implement logic wherein: (1) minor person identity related messages516are transmitted to primary person device110and/or secondary person device112(in addition to primary person identity related messages516being transmitted to primary person device110and secondary person identity related messages516being transmitted to secondary person device112); and (2) primary person device110and/or secondary person device112can gain access to minor person identity related information stored in identity related information system100using primary person's user name and password or secondary person's user name and password as the case may be.

The analytics engine130can analyze data stored in analytics engine memory132, credit data storage124and/or identity data storage126as to minor person in order to determine if there has been a change in the data in a particular period of time. These components or functionalities can perform this analysis continuously, or periodically using predetermined periods of time such as hourly or daily. If these components or functionalities determine there has been a change in data for minor person, the identity related information system100can make a decision to transmit a minor person identity related message516to primary person device110and/or secondary person device112. The identity related messages516can contain data that, for example, inform primary person and/or secondary person that data related to minor person stored in the identity related information system100has changed. The identity related messages516can be transmitted by communications server120or other portions of identity management information system100as desired.

However, before such minor person identity related message516transmissions occur, primary person and/or secondary person must also establish facts that show minor person and each of primary person and secondary person have a sufficient legal relationship to support transmission by identity related information system100of identity related messages516as to minor person to primary person device110and secondary person device112, and to allow access by primary person device110and secondary person device112to minor person identity related data stored on identity related information system100. If secondary person is unable to establish such sufficient legal relationship, then identity related messages516will not be transmitted by identity related information system100to secondary person device112, and secondary person device112will not be able to access minor person identity data stored in identity related information system100; the same rule is true for primary person.

To prove sufficient legal relationship, primary person and/or secondary person can submit legal documents to an operator of management server118that prove primary and/or secondary person are parents or guardians of minor person. The operator of management server118can, upon determination that such documents establish a sufficient legal relationship between primary person and secondary person, on the one hand, and minor person on the other, set a flag or otherwise enter into management server118data to the effect that such a sufficient legal relationship has been established. Management server118can then transmit to analytics engine130a minor person authorization message522that authorizes analytics engine130to operate consistently with transmission of identity related messages516as to minor person to primary person device110and/or secondary person device112, and allowance of access by primary person device110and/or secondary person device112to minor person identity related data stored on identity related information system100.

As to the primary person device110and/or secondary person device112, the identity related message516can also provide a link or instructions that allows primary person device110and/or secondary person device112to access minor person identity related data stored in identity related information system100, using the user name and password, or other credentials, including out of wallet credentials for example, of primary person or secondary person as the case may be. The identity related information system100can then allow such access upon receipt of proper credentials.

The analytics engine130, upon receiving the minor person authorization message512, automatically establishes a minor status freeze on transmission of minor person identity related messages516to any device other than primary person device110and/or secondary person device112and on access by any device other than primary person device110and/or secondary person device112to minor person identity related information stored in identity related management system100. The identity related information system100can also discontinue determining if there is a change in predetermined minor person identity related information stored in the identity related information system when the identity related information system receives an emancipation message that the minor has emancipated or when the identity related information system detects expiration of a predetermined time period after date of birth stated in the minor person's identity related information.

If the analytics engine130determines that minor person has not reached the age of majority and has not emancipated or otherwise should not be treated as a secondary person instead of a minor person, it nevertheless, before transmitting minor person identity related messages516to primary person device110or secondary person device112, can determine if there is a legislative freeze, fraud freeze or other freeze in place as to minor person that proscribes transmission of minor person identity related messages516to primary person device110and/or secondary person device112, and/or access by primary person device110and/or secondary person device112to minor person identity related data stored in identity related information system100. Such determination can be made based on data from or freeze flag in analytics engine memory132, credit data store124, identity data store126, and/or data from management server118. If a freeze is in place for minor person, the analytics engine can make a decision to block transmitting by identity related information system100of minor person identity related messages516to primary person device110and/or secondary person device112, and to preclude primary person device110and/or secondary person device112from accessing minor person identity related data stored in identity related information system100.

In accordance with certain embodiments of the invention, the primary person can designate multiple secondary persons and these embodiments can operate as disclosed in this document with respect to each such secondary person. For example, if a primary person designates two secondary persons, if the device of either secondary person is transmitted an identity related message516, the primary person's device110and the other secondary person's device112can receive the same message, subject to freezes and terminations as disclosed below. Additionally, a secondary person device112can then operate as a primary person device110in accordance with certain embodiments of the invention; a secondary person who has agreed to reciprocal monitoring and sharing of predetermined identity related messages516and information can in turn identify, via secondary person device112other persons (such as for example elderly parents) who can become secondary persons and whose devices then operate as secondary person devices112.

Primary persons and secondary persons can, via their devices110and112, respectively, identify multiple minor persons whose identity related messages516can be transmitted to primary person devices110and secondary person devices112as disclosed in this document.

General

The computer readable medium can be a machine readable storage device, a machine readable storage substrate, a memory device, a composition of matter effecting a machine readable propagated communication, or a combination of one or more of them. The term “data processing device” encompasses all apparatus, devices, and machines for processing data, including by way of example a programmable processor, a computer, or multiple processors or computers. The device can include, in addition to hardware, code that creates an execution environment for the computer program in question, e.g., code that constitutes processor firmware, a protocol stack, a database management system, an operating system, or a combination of one or more of them.

Thus, particular embodiments have been described. Other embodiments are within the scope of any claims. For example, the actions recited in the claims can be performed in a different order and still achieve desirable results.