Abstract: In one embodiment, a method includes receiving a credit inquiry for a monitored consumer. The method further includes performing at least one credit-inquiry analysis on the credit inquiry. The performing yields at least one of a matched creditor from master creditor records and an inferred credit category based on a lexical analysis. In addition, the method includes, responsive to the performing, determining whether the credit inquiry is related to a previous credit inquiry for the monitored consumer. Further, the method includes, responsive to a determination that the credit inquiry is related to a previous credit inquiry, suppressing a credit alert to the monitored consumer.

Abstract: In one embodiment, a method includes receiving a binding request for an on-demand identity product from a consumer. The method also includes attempting to provide the on-demand identity product. The method further includes, responsive to the binding request, ascertaining delayed-billing settings that are applicable to the on-demand identity product. In addition, the method includes delaying billing of the on-demand identity product until it can be confirmed that the identity-product provision system has complied with the delayed-billing settings.