Multi-bureau credit file freeze and unfreeze
First Claim
1. A computing system configured to allow a user to remotely unlock credit data of the user at each of a plurality of credit bureaus, wherein the credit data of the user can be unlocked at the plurality of credit bureaus only with authorization from the user, the computing system comprising:
- a touchpad computing device configured to receive an identifier of the user; and
a communication interface configured to allow the touchpad computing device to communicate a credit data sharing authorization to a server computing system, wherein the server computing system stores a database indicating an identifier of the user in association with at least each of a first access protocol for a first credit bureau of the plurality of credit bureaus and a second access protocol for a second credit bureau of the plurality of credit bureaus;
wherein the touchpad computing device is configured to;
present a user interface indicating an option for the user to unlock the credit data of the user at each of the first credit bureau and the second credit bureau;
detect input requesting unlocking of credit data of the user; and
in response to detecting the input requesting unlocking of credit data of the user, transmit the credit data sharing authorization to the server computing system;
wherein the server computing system is further configured to, in response to receiving the credit data sharing authorization from the touchpad computing device;
determine, based on an association with the identifier of the user, a first access protocol associated with the first credit bureau;
request unlocking of the credit data of the user at the first credit bureau using the first access protocol;
determine, based on an association with the identifier of the user, a second access protocol associated with the second credit bureau; and
request unlocking of the credit data of the user at the second credit bureau using the second access protocol.
1 Assignment
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Accused Products
Abstract
The systems and methods described herein allow consumers to lock or unlock their credit files at multiple credit bureaus in real-time or near real-time. The service may allow a consumer to provide identifying information, such as a personal identifier to lock or unlock credit files at a plurality of credit bureaus over a network. Upon receiving the personal identifier, the system may use the personal identifier to translate the identifier into a plurality of access codes for respective credit bureaus, for example by accessing a data structure, such as a database or table, that stores a personal identifier and access codes that are associated with a consumer. The system may then use the access codes to automatically initiate locking or unlocking of credit files for the consumer at the respective credit bureaus.
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Citations
7 Claims
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1. A computing system configured to allow a user to remotely unlock credit data of the user at each of a plurality of credit bureaus, wherein the credit data of the user can be unlocked at the plurality of credit bureaus only with authorization from the user, the computing system comprising:
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a touchpad computing device configured to receive an identifier of the user; and a communication interface configured to allow the touchpad computing device to communicate a credit data sharing authorization to a server computing system, wherein the server computing system stores a database indicating an identifier of the user in association with at least each of a first access protocol for a first credit bureau of the plurality of credit bureaus and a second access protocol for a second credit bureau of the plurality of credit bureaus; wherein the touchpad computing device is configured to; present a user interface indicating an option for the user to unlock the credit data of the user at each of the first credit bureau and the second credit bureau; detect input requesting unlocking of credit data of the user; and in response to detecting the input requesting unlocking of credit data of the user, transmit the credit data sharing authorization to the server computing system; wherein the server computing system is further configured to, in response to receiving the credit data sharing authorization from the touchpad computing device; determine, based on an association with the identifier of the user, a first access protocol associated with the first credit bureau; request unlocking of the credit data of the user at the first credit bureau using the first access protocol; determine, based on an association with the identifier of the user, a second access protocol associated with the second credit bureau; and request unlocking of the credit data of the user at the second credit bureau using the second access protocol. - View Dependent Claims (2, 3, 4, 5)
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6. A computerized method for allowing a user to remotely unlock credit data of the user at each of a plurality of credit bureaus, wherein the credit data of the user can be unlocked at the plurality of credit bureaus only with authorization from the user, the computerized method comprising:
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coordinating communication between; a server computing system storing a database indicating an identifier of the user in association with at least each of a first access protocol for a first credit bureau of the plurality of credit bureaus and a second access protocol for a second credit bureau of the plurality of credit bureaus; a touchpad computing device, remotely located from the server and configured to receive an identifier of the user; and wherein the touchpad computing device is configured to; present a user interface indicating an option for the user to unlock the credit data of the user at each of the first credit bureau and the second credit bureau; detect input requesting unlocking of credit data of the user; and in response to detecting the input requesting unlocking of credit data of the user, transmit a credit data sharing authorization to the server computing system; wherein the server computing system is further configured to, in response to receiving the credit data sharing authorization from the touchpad computing device; determine, based on an association with the identifier of the user, a first access protocol associated with the first credit bureau; request unlocking of the credit data of the user at the first credit bureau using the first access protocol; determine, based on an association with the identifier of the user, a second access protocol associated with the second credit bureau; and request unlocking of the credit data of the user at the second credit bureau using the second access protocol.
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7. A non-transitory computer readable storage medium having computer-executable instructions stored thereon, the computer-executable instructions executable by a computing system having one or more hardware processors, wherein the computer-executable instructions are executable on the computing system in order to cause the computing system to perform operations comprising:
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coordinating communication between; a server computing system storing a database indicating an identifier of the user in association with at least each of a first access protocol for a first credit bureau of the plurality of credit bureaus and a second access protocol for a second credit bureau of the plurality of credit bureaus; a touchpad computing device, remotely located from the server and configured to receive an identifier of the user; and wherein the touchpad computing device is configured to; present a user interface indicating an option for the user to unlock the credit data of the user at each of the first credit bureau and the second credit bureau; detect input requesting unlocking of credit data of the user; and in response to detecting the input requesting unlocking of credit data of the user, transmit a credit data sharing authorization to the server computing system; wherein the server computing system is further configured to, in response to receiving the credit data sharing authorization from the touchpad computing device; determine, based on an association with the identifier of the user, a first access protocol associated with the first credit bureau; request unlocking of the credit data of the user at the first credit bureau using the first access protocol; determine, based on an association with the identifier of the user, a second access protocol associated with the second credit bureau; and request unlocking of the credit data of the user at the second credit bureau using the second access protocol.
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Specification