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US 10,855,699 B2Granted
Digital safety and account discovery
AssigneeAllstate Insurance Company
InventorsJason D. Park, John S. Parkinson
Life of this patent
Estimating the term…
Abstract
Methods, computer-readable media, software, and apparatuses may assist a consumer in keeping track of a consumer's accounts in order to prevent unauthorized access or use of the consumers identified subscription and financial accounts. The discovered subscriptions and financial accounts may be displayed to the consumer along with recommendations and assistance for closing unused or unwanted financial accounts and subscriptions to prevent unauthorized access or use.
Claims20
A cyber-security account analysis system,
- comprising:
- a processor;
- and
- a memory unit storing computer-executable instructions that, when executed by the processor, cause the cyber-security account analysis system to:
- monitor at least one email account of a consumer;
- determine source information for each item of email correspondence, of a plurality of items of email correspondence, in the monitored at least one email account of the consumer;
- determine, for each of the plurality of items of email correspondence, a likelihood that the item of email correspondence and the determined source information for the item of email correspondence represents a subscription of the consumer;
- based on the determined likelihood that an item of email correspondence, of the plurality of items of email correspondence, represents a subscription of the consumer, generate a list of subscriptions associated with the consumer;
- determine a digital safety score, based on the generated list of subscriptions, associated with the consumer;
- initiate automatic closing of an account associated with a subscription on the generated list of subscriptions, based on a determination that the account has not been accessed for a predetermined period of time;
- and
- adjust, based on the closing of the account associated with the subscription, the digital safety score associated with the consumer.
9 more elements
A method comprising:
- monitoring at least one email account of a consumer;
- determining source information for each item of email correspondence, of a plurality of items of email correspondence, in the monitored at least one email account of the consumer;
- determining, for each of the plurality of items of email correspondence, a likelihood that an item of email correspondence and the determined source information for the item of email correspondence, represents a subscription of the consumer;
- based on the determined likelihood that an item of email correspondence, of the plurality of items of email correspondence, represents a subscription of the consumer, generating a list of subscriptions associated with the consumer;
- determining a digital safety score, based on the generated list of subscriptions, associated with the consumer;
- initiating automatic closing of an account associated with a subscription on the generated list of subscriptions, based on a determination that the account has not been accessed for a predetermined period of time;
- and
- adjusting, based on the closing of the account associated with the subscription, the digital safety score associated with the consumer.
5 more elements
One or more non-transitory, computer-readable media storing instructions that, when executed by a computing device, cause the computing device to:
- monitor at least one email account of a consumer;
- determine source information for each item of email correspondence, of a plurality of items of email correspondence, in the monitored at least one email account of the consumer;
- determine, for each of the plurality of items of email correspondence, a likelihood that an item of email correspondence and the determined source information for the item of email correspondence represents a subscription of the consumer;
- based on the determined likelihood that an item of email correspondence, of the plurality of items of email correspondence, represents a subscription of the consumer, generate a list of subscriptions associated with the consumer;
- determine a digital safety score, based on the generated list of subscriptions, associated with the consumer;
- initiate automatic closing of an account associated with a subscription on the generated list of subscriptions, based on a determination that the account has not been accessed for a predetermined period of time;
- and
- adjust, based on the closing of the account associated with the subscription, the digital safety score associated with the consumer.
5 more elements
Dependencies are inferred from the claim text.