# US 2019/0356683 A1 · 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 2019/0356683 A1 - Document ID: US20190356683A1 - Status: Published application - Kind: A1 - Application number: 16/526,124 - Filed: 2019-07-30 - Published: 2019-11-21 - 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/US20190356683A1 ## 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 processor, cause the cyber-security system to: monitor a communications network for confidential information associated with a consumer account of a consumer; determine, based on a plurality of digital accounts associated with the consumer on the communications network, a digital safety value indicative of a risk of a data breach of the confidential information; detect an action event associated with the confidential information; and adjust the digital safety value based on the detected action event. ### Claim 2 (depends on 1) The cyber-security system of claim 1, wherein the plurality of digital accounts comprise 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: assigning different weight factors to the social media account and the banking account; and determining the digital safety value based on the different weight factors. ### Claim 4 (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 safety value based on a quantity of digital accounts 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: determine the digital safety value based on a number of computing devices that the consumer uses to access the digital accounts. ### 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: determine the digital safety value based on an online presence of the consumer in digital spaces. ### Claim 7 (depends on 6) The cyber-security system of claim 6, wherein the instructions, when executed by the one or more processors, cause the cyber-security system to: monitoring consumer activities associated with the digital accounts on an internet comprising a social media network and a dark web. ### Claim 8 (depends on 1) The cyber-security system of claim 1, wherein the action event comprises: the consumer has registered a new digital account online using the confidential information. ### Claim 9 (depends on 1) The cyber-security system of claim 1, wherein the action event comprises: the consumer has consolidated the digital accounts with a centralized login for multiple digital accounts. ### Claim 10 (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: receive an indication that the consumer has undergone a cyber-security training; adjust the digital safety value based on the cyber-security training; and transmit the adjusted digital safety value for presentation to the consumer. ### Claim 11 A method comprising: monitoring a communications network for confidential information associated with a consumer account of a consumer; determining, based on a plurality of digital accounts associated with the consumer on the communications network, a digital safety value indicative of a risk of a data breach of the confidential information; detecting an action event associated with the confidential information; and adjusting the digital safety value based on the detected action event. ### Claim 12 (depends on 11) The method of claim 11, wherein the plurality of digital accounts comprise a banking account and a social media account. ### Claim 13 (depends on 12) The method of claim 12, wherein the determining the digital safety value further comprises: assigning different weight factors to the social media account and the banking account; and determining the digital safety value based on the different weight factors. ### Claim 14 (depends on 11) The method of claim 11, wherein the determining the digital safety value further comprises: determining the digital safety value based on an online presence of the consumer in digital spaces. ### Claim 15 (depends on 14) The method of claim 14, further comprising: monitoring consumer activities associated with the digital accounts on an internet comprising a social media network and a dark web. ### Claim 16 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 communications network for confidential information associated with a consumer account of a consumer; determine, based on a plurality of digital accounts associated with the consumer on the communications network, a digital safety value indicative of a risk of a data breach of the confidential information; detect an action event associated with the confidential information; and adjust the digital safety value based on the detected action event. ### Claim 17 (depends on 16) The non-transitory computer-readable storage medium of claim 16, wherein the plurality of digital accounts comprise a banking account and a social media account. ### Claim 18 (depends on 16) The non-transitory computer-readable storage medium of claim 16, wherein the instructions, when executed by the one or more processors, cause the processor to: determine the digital safety value based on a quantity of digital accounts associated with the consumer. ### Claim 19 (depends on 16) The non-transitory computer-readable storage medium of claim 16, wherein the instructions, when executed by the one or more processors, cause the processor to: determine the digital safety value based on a number of computing devices that the consumer uses to access the digital accounts. ### Claim 20 (depends on 16) The non-transitory computer-readable storage medium of claim 16, wherein the instructions, when executed by the one or more processors, cause the processor to: determine the digital safety value based on an online presence of the consumer in digital spaces.