Systems and methods of identity protection and management

摘要

In an embodiment, a computing system, such as a monitoring computer, receives a request from a user to monitor an account of the user with an online service provider. The request may include personal information and user preferences for one or more protective actions. The system periodically monitors external data sources for indications of changes to personal information associated with the account, and detects changes or attempted changes to personal information associated with the account. The system may determine risk levels associated with detected changes or attempted changes, and transmit a notification to the user via a communication channel selected based on the determined risk level and/or the user preferences. The system may also initiate protective actions, so that further unauthorized access to the account may be prevented.

主权项

1. A method of monitoring and handling potential identity theft threats, the method being performed by a monitoring computer having one or more computer processors, the method comprising:
receiving a request, by the monitoring computer, from a user to monitor a third party account of the user with an online service provider, the request including personal information associated with the user and a plurality of user preferences, each user preference specifying one or more protective actions to be taken in response to detection, by the monitoring computer, of a change or attempted change to personal information associated with the account; periodically monitoring the third party account of the user for indications of changes or attempted changes to personal information associated with the account; detecting a change or attempted change to personal information associated with the account; determining a risk level associated with the detected change or attempted change to personal information associated with the account; identifying, from the user preferences, a user preference associated with the determined risk level; transmitting, via a communication channel, a notification to the user, wherein the communication channel is specified by the user preference; and initiating one or more protective actions included in the identified user preference.