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 consumer's identified subscriptions and financial accounts. The identified 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.
Claims17
A cyber-security account analysis device comprising:
- a processor;
- and
- a memory unit storing computer-readable instructions that, when executed by the processor, cause the cyber-security account analysis device to:
- monitor an email account of a consumer;
- determine source information for one or more items of email correspondence in the monitored email account;
- generate, based on a determined likelihood that an item of email correspondence or the determined source information for the item of email correspondence is related to a subscription of the consumer, a list of subscriptions associated with the consumer;
- update, with the generated list of subscriptions, a consumer profile associated with the consumer;
- determine, based on the consumer profile and the generated list of subscriptions, a digital safety score associated with the consumer;
- and
- initiate, based on a determination that an account associated with a subscription on the generated list of subscriptions has not been accessed for a predetermined period of time, automatic closing of the account.
A method comprising:
- monitoring, by a computing device, an email account of a consumer;
- determining, by the computing device, source information for one or more items of email correspondence in the monitored email account;
- generating, by the computing device and based on a determined likelihood that an item of email correspondence or the determined source information for the item of email correspondence is related to a subscription of the consumer, a list of subscriptions associated with the consumer;
- updating, by the computing device and with the generated list of subscriptions, a consumer profile associated with the consumer;
- determining, by the computing device and based on the consumer profile and the generated list of subscriptions, a digital safety score associated with the consumer;
- and
- initiating, based on a determination that an account associated with a subscription on the generated list of subscriptions has not been accessed for a predetermined period of time, automatic closing of the account.
A non-transitory, computer-executable storage medium storing instructions that, when executed by a processor of a computing device, cause the computing device to:
- monitor an email account of a consumer;
- determine source information for one or more items of email correspondence in the monitored email account;
- generate, based on a determined likelihood that an item of email correspondence or the determined source information for the item of email correspondence is related to a subscription of the consumer, generate a list of subscriptions associated with the consumer;
- update, with the generated list of subscriptions, a consumer profile associated with the consumer;
- determine, based on the consumer profile and the generated list of subscriptions, a digital safety score associated with the consumer;
- and
- initiate, based on a determination that an account associated with a subscription on the generated list of subscriptions has not been accessed for a predetermined period of time, automatic closing of the account.
Dependencies are inferred from the claim text.