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.

Abstract: A method and system for generating a consumer breach history profile of a consumer over an electronic network includes receiving via the network consumer profile information including at least one consumer information element corresponding to the consumer, generating a consumer breach history profile in a database using the consumer profile information, and associating the consumer breach history profile with the consumer profile information in the database. The database includes breach events, each breach event associated with at least one breached information element. Consumer profile information is matched to a respective breach event by determining a match between the consumer information element and the breached information element associated with the respective breach event. The respective breach event is associated in the database with the consumer breach history profile and a mitigation action. A notification to the consumer of the breach event and mitigation action is generated.

Abstract: Assessing a consumer's risk of harms related to a data breach includes determining, for the particular data breach, a data breach score, referred to as a Breach Clarity™ (BC) score, indicative of the risk of harm related to the particular breach. A data structure pairs a breached information element with at least one potential harm. Algorithms assign a harm risk score to the harm, determine an element risk score for the information element-harm pair, and determine a BC score using the harm risk and element risk scores, and an exposure rating. The BC score can be modified by a scaling algorithm to generate a relative BC score. The system identifies and rank orders mitigation actions for the breach and outputs these with the BC score to the consumer. A consumer's demographic and/or behavioral characteristics can be factored into the exposure rating and ranking of the mitigation actions.