{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-9792648","patent":{"patent_number":"US-9792648","title":"Multi-bureau credit file freeze and unfreeze","assignee":null,"inventors":[],"filing_date":"2016-11-04T00:00:00.000Z","publication_date":"2017-10-17T00:00:00.000Z","cpc_codes":["G06Q","G06F","G06Q"],"num_claims":6,"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."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Multi-bureau credit file freeze and unfreeze","description":"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 ide","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-9792648","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-9792648","citation_suggestion":"Patentable. \"Multi-bureau credit file freeze and unfreeze\" (US-9792648). https://patentable.app/patents/US-9792648","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-9792648","json":"https://patentable.app/api/llm-context/US-9792648","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-06-06T15:43:53.102Z"}