# US 12,010,123 B2 · Cyber-security presence monitoring and assessment > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,010,123 B2 - Document ID: US12010123B2 - Status: Granted - Kind: B2 - Application number: 17/163,723 - Filed: 2021-02-01 - Published: 2021-06-17 - Granted: 2024-06-11 - Earliest claimed: 2016-05-10 - Assignees: Allstate Insurance Company - Applicants: Allstate Insurance Company - Inventors: Jason D. Park; Howard Hayes; Tao Chen; John S. Parkinson - Web page: https://patentgrep.com/patent/US12010123B2 ## CPC - H04L 63/1416: {Event detection, e.g. attack signature detection} - G06F 21/55: Detecting local intrusion or implementing counter-measures - G06F 21/57: Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities - G06F 21/577: {Assessing vulnerabilities and evaluating computer system security} - G06F 21/6245: {Protecting personal data, e.g. for financial or medical purposes} - H04L 63/1425: {Traffic logging, e.g. anomaly detection} - H04L 63/1433: {Vulnerability analysis} - G06F 2221/2101: Auditing as a secondary aspect - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract Methods, computer-readable media, software, and apparatuses may monitor consumer information in order to determine a probability of a data breach associated with a customer based on an online presence of the customer. The probability of a data breach may be used to present metrics to a consumer and/or a service provider. Further, the consumer may be presented with information indicating what factors contribute to the probability of a data breach, as well as information regarding how to reduce those factors. ## Claims ### Claim 1 A cyber-security system, comprising: one or more processors; a memory unit storing computer-executable instructions, which when executed by the one or more processors, cause the cyber-security system to: monitor a plurality of digital accounts associated with a consumer on a communications network; determine a digital footprint for the consumer based on a number of computing devices the consumer uses to access the plurality of digital accounts, wherein the digital footprint represents an online presence of the consumer; detect a cyber-traffic event that changes the digital footprint of the consumer; and adjust an insurance premium of an insurance product associated with the consumer based on the changed digital footprint. ### Claim 2 (depends on 1) The cyber-security system of claim 1, wherein the plurality of digital accounts comprises a banking account and a social media account. ### Claim 3 (depends on 2) The cyber-security system of claim 2, wherein the instructions, when executed by the one or more processors, cause the cyber-security system to: assign different weight factors to the social media account and the banking account; and generate the digital footprint based on the different weight factors. ### Claim 4 (depends on 1) The cyber-security system of claim 1, wherein the plurality of digital accounts comprises a web domain that mentions a name or an address associated with the consumer. ### Claim 5 (depends on 1) The cyber-security system of claim 1, wherein the instructions, when executed by the one or more processors, cause the cyber-security system to: detect that a credit card number associated with the consumer has been published on a website. ### Claim 6 (depends on 1) The cyber-security system of claim 1, wherein the instructions, when executed by the one or more processors, cause the cyber-security system to: detect an occurrence of a fraudulent transaction associated with a banking account of the consumer. ### Claim 7 (depends on 1) The cyber-security system of claim 1, wherein the instructions, when executed by the one or more processors, cause the cyber-security system to: determine the digital footprint based on a quantity of digital accounts associated with the consumer. ### Claim 8 (depends on 1) The cyber-security system of claim 1, wherein the instructions, when executed by the one or more processors, cause the cyber-security system to: determine that the consumer has reduced the digital footprint by reducing a quantity of digital accounts associated with the consumer; and decrease the insurance premium of the insurance product associated with the consumer based on the reduced digital footprint. ### Claim 9 (depends on 1) The cyber-security system of claim 1, wherein the instructions, when executed by the one or more processors, cause the cyber-security system to: monitor consumer activities associated with the digital accounts on an internet comprising a social media network and a dark web. ### Claim 10 A method comprising: monitoring a plurality of digital accounts associated with a consumer on a communications network; determining a digital footprint for the consumer based on a number of computing devices the consumer uses to access the plurality of digital accounts, wherein the digital footprint represents an online presence of the consumer; detecting a cyber-traffic event that changes the digital footprint of the consumer; and adjusting an insurance premium for an insurance product associated with the consumer based on the changed digital footprint. ### Claim 11 (depends on 10) The method of claim 10, wherein the plurality of digital accounts comprises a banking account and a social media account. ### Claim 12 (depends on 11) The method of claim 11, wherein determining the digital footprint comprises: assigning different weight factors to the social media account and the banking account; and determining the digital footprint based on the different weight factors. ### Claim 13 (depends on 10) The method of claim 10, wherein the plurality of digital accounts comprises a web domain that mentions a name or an address associated with the consumer. ### Claim 14 (depends on 10) The method of claim 10, wherein determining the digital footprint further comprises: determining the digital footprint based on a quantity of digital accounts associated with the consumer. ### Claim 15 A non-transitory computer-readable storage medium having computer-executable program instructions stored thereon that when executed by a processor, cause the processor to: monitor a plurality of digital accounts associated with a consumer on a communications network; determine a digital footprint for the consumer based on a number of computing devices the consumer uses to access the plurality of digital accounts, wherein the digital footprint represents an online presence of the consumer; detect a cyber-traffic event that changes the digital footprint of the consumer; and adjust an insurance premium of an insurance product associated with the consumer based on the changed digital footprint. ### Claim 16 (depends on 15) The non-transitory computer-readable storage medium of claim 15, wherein the plurality of digital accounts comprises a banking account and a social media account. ### Claim 17 (depends on 15) The non-transitory computer-readable storage medium of claim 15, wherein the instructions, when executed by the processor, cause the processor to: determine the digital footprint based on a quantity of digital accounts associated with the consumer.