A method for protecting stored account data from unauthorized access includes receiving data elements corresponding to an account of a user, identifying a plurality of signals in the data elements, and determining a signal value for each of the signals. The signals correspond to various characteristics of the account. The method also includes assigning a plurality of weights (according to various criteria) to at least a subset of the signal values to yield a set of weighted signal values, and using the set of weighted signal values to assign an account value to the account. The method further includes using the account value to select a security-related action or a storage-related action that corresponds to the account value, and instructing data storage facilities from which the data elements were received to automatically implement the selected security related action or the selected storage-related action.