Data breach system and method

Abstract

A method and system for apprising a consumer of an accumulated risk resulting from data breaches. The method and system may include determining one or more breach events for a consumer, generating an accumulated harm risk score for the consumer, optionally with the accumulated harm risk score providing a relative indicator of overall risk accumulated for the consumer as result of the breach events, identifying one or more potential harms for one or more of the breach events, optionally with the potential harms indicating a likely or probable impact, injury, or damage to the consumer from one or more of the breach events, and identifying one or more mitigation actions for one or more of the breach events, optionally with the mitigation actions detailing options available to the consumer for reducing risk associated with one or more of the potential harms.

1 . A method for apprising a consumer of an accumulated risk resulting from data breaches, comprising:
 receiving enrollment information for the consumer;   generating a consumer profile breach history for the consumer based on the enrollment information;   accessing an electronic transaction account associated with the consumer, the electronic transaction account configured to execute a consumer transaction between the consumer and a party to the consumer transaction;   generating electronic transaction information for the consumer transaction;   accessing breach information for a plurality of data breaches;   comparing the electronic transaction information with the breach information to determine one or more breach events, the breach events representing a matching of the electronic transaction information with the breach information of a corresponding one of the data breaches;   appending the consumer profile breach history with a breach listing, the breach listing identifying each of the breach events; and   appending the consumer profile breach history with an accumulated harm risk score, the accumulated harm risk score providing a relative indicator of risk accumulated for the consumer as cumulative result of the breach events.   
     
     
         2 . The method according to  claim 1 , further comprising:
 displaying the consumer profile breach history with the breach listing and the accumulated harm risk score via a consumer user interface operable on a computing device.   
     
     
         3 . The method according to  claim 2 , further comprising:
 appending the consumer profile breach history to display one or more mitigation actions relative to one or more of the breach events, the mitigation actions detailing options available to the consumer for reducing risk and/or harm resulting from one or more of the breach events.   
     
     
         4 . The method according to  claim 3 , further comprising:
 appending the consumer profile breach history to display one or more selectable links for the mitigation actions, the selectable links being selectable via the consumer user interface to direct the consumer to a resource interface for actioning a corresponding one of the mitigation actions.   
     
     
         5 . The method according to  claim 4 , further comprising:
 prioritizing display of the mitigation actions to identify a relatively strongest one of mitigation actions, with each remaining mitigation actions ordered thereafter according to a level strength.   
     
     
         6 . The method according to  claim 4 , further comprising:
 appending the consumer profile breach history to display one or more potential harms relative to one or more of the breach events, the potential harms detailing likely or probable impact, injury, or damage to the consumer from one or more of the breach events.   
     
     
         7 . The method according to  claim 6 , further comprising:
 appending the consumer profile breach history to display an element risk score for each of the potential harms, the element risk scores providing a relative indicator of risk to the consumer for the corresponding one of the potential harms.   
     
     
         8 . The method according to  claim 1 , further comprising:
 generating a breach notification to apprise the consumer of appending the consumer profile breach history with the breach events.   
     
     
         9 . The method of  claim 1 , further comprising:
 accessing the electronic transaction account via a network using an account plug-in for the electronic transaction account.   
     
     
         10 . A computer-readable storage medium storing a plurality of non-transitory instructions, which when executed with one or more processors of a computing system, are operable for:
 identifying a consumer profile breach history for a consumer;   retrieving electronic transaction information for the consumer;   retrieving breach information for a plurality of data breaches;   comparing the electronic transaction information with the breach information to determine one or more breach events, the breach events representing a matching of the electronic transaction information with the breach information of a corresponding one of the data breaches; and   appending the consumer profile breach history with an accumulated harm risk score, the accumulated harm risk score providing a relative indicator of risk accumulated for the consumer as cumulative result of the breach events.   
     
     
         11 . The computer-readable storage medium according to  claim 10 , wherein the non-transitory instructions are operable for:
 accessing an electronic transaction account associated with the consumer to via a network using an account plug-in for the electronic transaction account; and   retrieving the electronic transaction information from the electronic transaction account.   
     
     
         12 . The computer-readable storage medium according to  claim 10 , wherein the non-transitory instructions are operable for:
 generating a consumer user interface to display the consumer profile breach history via a computing device associated with the consumer.   
     
     
         13 . The computer-readable storage medium according to  claim 12 , wherein the non-transitory instructions are operable for:
 electronically transmitting a breach notification to the consumer, the breach notification including a selectable link for directing the computing device to the consumer user interface.   
     
     
         14 . The computer-readable storage medium according to  claim 12 , wherein the non-transitory instructions are operable for:
 displaying within the consumer user interface a breach listing identifying each of the breach events.   
     
     
         15 . The computer-readable storage medium according to  claim 14 , wherein the non-transitory instructions are operable for:
 displaying within the consumer user interface one or more potential harms for one or more of the breach events, the potential harms detailing likely or probable impact, injury, or damage to the consumer from one or more of the breach events.   
     
     
         16 . The computer-readable storage medium according to  claim 15 , wherein the non-transitory instructions are operable for:
 displaying within the consumer user interface an element risk score for one or more of the potential harms, the element risk scores providing a relative indicator of risk to the consumer for the corresponding one of the potential harms.   
     
     
         17 . The computer-readable storage medium according to  claim 16 , wherein the non-transitory instructions are operable for:
 displaying within the consumer user interface one or more mitigation actions for one or more of the breach events, the mitigation actions detailing options available to the consumer for reducing risk associated with one or more of the potential harms.   
     
     
         18 . A computer-readable storage medium storing a plurality of non-transitory instructions, which when executed with one or more processors of a computing system, are operable for:
 determining one or more breach events for a consumer;   generating an accumulated harm risk score for the consumer, the accumulated harm risk score providing a relative indicator of overall risk accumulated for the consumer as result of the breach events;   identifying one or more potential harms for one or more of the breach events, the potential harms indicating a likely or probable impact, injury, or damage to the consumer from one or more of the breach events; and   identifying one or more mitigation actions for one or more of the breach events, the mitigation actions detailing options available to the consumer for reducing risk associated with one or more of the potential harms.   
     
     
         19 . The computer-readable storage medium according to  claim 18 , wherein the non-transitory instructions are operable for:
 generating consumer user interface to display a consumer profile breach history via a computing device associated with the consumer, the consumer profile breach history displaying the accumulated harm risk score, the potential harms, and the mitigation actions.   
     
     
         20 . The computer-readable storage medium according to  claim 19 , wherein the non-transitory instructions are operable for:
 displaying within the consumer user interface an element risk score for one or more of the potential harms, the element risk scores providing a relative indicator of risk for the consumer as a result of the corresponding one of the potential harms.