Consent management service system
Example implementations described herein are directed to a consent management service system, which involves a system to record consent between a bank and its consumers and to share them to a third party audit servicer. The system ensures that the consent records are disclosed to individuals or organizations that are eligible to access the record without modification, and helps them detect and prevent malicious attempts by banker or consumer.
1. A method for maintaining bank account verification through an external system coupled to a bank system via a network, the method comprising:
a) in response to a generation of a bank account at the bank system, generating a blockchain between the external system and the bank system associated with consumer consent information utilized for generating the bank account, the generating the blockchain comprising generating a blockchain node at the bank system configured to manage information of the consumer and to reference the consumer consent information stored in an object storage node at the bank system that is separate from the blockchain, and paired with another object storage node configured to store the consumer consent information at the external system, and wherein the consumer consent information are shared to at least one of the object store e nodes as encrypted data. which can be decrypted with a key only shared to the at least one of the object storage nodes;
b) associating the generated blockchain node at the bank system and with a corresponding blockchain node at the external system;
c) opening the bank account at the bank system; and
d) providing verification to a consumer through the external system.
2. The method of claim 1 , further comprising:
e) processing subsequent transactions associated with the bank account through the blockchain between the bank system and the external system.
3. The method of claim 2 , wherein the subsequent transactions comprise one or more money transfers associated with the bank account, wherein the processing subsequent transactions through the blockchain between the bank system and the external system comprises storing the one or more money transfers in the blockchain, each of the one or more money transfers associated with agreement information for the each of the one or more money transfers.
4. The method of claim 1 , wherein the consumer consent information comprises digital evidence indicative of consent from the consumer, and metadata indicative of a type of the digital evidence indicative of consent.
5. The method of claim 1 , further comprising:
comparing transactions between the external system and a bank core system of the bank system, the bank core system configured to store transactions of the bank system; and
flagging inconsistent transactions between the bank core system and the external system.
6. The method of claim 1 , wherein the consumer consent information further comprises consent disclosure information indicative of one or more other bank systems that are allowed access to information associated with the bank account;
wherein the external system manages access to the bank account from the one or more other bank systems based on the consumer consent information.
7. A non-transitory computer readable medium, storing instructions for maintaining bank account verification through an external system coupled to a bank system via a network, the instructions comprising:
a) in response to a generation of a bank account at the bank system, generating a blockchain between the external system and the bank system associated with consumer consent information utilized for generating the bank account, the generating the blockchain comprising generating a blockchain node at the bank system configured to manage information of the consumer and to reference the consumer consent information stored in an object storage node at the bank system that is separate from the blockchain, and paired with another object storage node configured to store the consumer consent information at the external system, and wherein the consumer consent information are shared to at least one of the object storage the object storage nodes:
b) associating the generated blockchain node at the bank system and with a corresponding blockchain node at the external system;
c) opening the bank account at the bank system; and
d) providing verification to a consumer through the external system.
8. The non-transitory computer readable medium of claim 7 , the instructions further comprising:
e) processing subsequent transactions associated with the bank account through the blockchain between the bank system and the external system.
9. The non-transitory computer readable medium of claim 8 , wherein the subsequent transactions comprise one or more money transfers associated with the bank account, wherein the processing subsequent transactions through the blockchain between the bank system and the external system comprises storing the one or more money transfers in the blockchain, each of the one or more money transfers associated with agreement information for the each of the one or more money transfers.
10. The non-transitory computer readable medium of claim 7 , wherein the consumer consent information comprises digital evidence indicative of consent from the consumer, and metadata indicative of a type of the digital evidence indicative of consent.
11. The non-transitory computer readable medium of claim 7 , the instructions further comprising:
comparing transactions between the external system and a bank core system of the bank system, the bank core system configured to store transactions of the bank system; and
flagging inconsistent transactions between the bank core system and the external system.
12. The non-transitory computer readable medium of claim 7 , wherein the consumer consent information further comprises consent disclosure information indicative of one or more other bank systems that are allowed access to information associated with the bank account;
wherein the external system manages access to the bank account from the one or more other bank systems based on the consumer consent information.
13. A system for maintaining bank account verification, comprising: an external system coupled to a bank system via a network, the external system comprising:
a processor, configured to:
a) in response to a generation of a bank account at the bank system, generating a blockchain between the external system and the bank system associated with consumer consent information utilized for generating the bank account, the generating the blockchain comprising generating a blockchain node at the bank system configured to manage information of the consumer and to reference the consumer consent information stored in an object storage node at the bank system that is separate from the blockchain, and paired with another object storage node configured to store the consumer consent information at the external system, and wherein the consumer consent information are shared to at least one of the object storage nodes as encrypted data, which can be decrypted with a key only shared to the at least one of the object storage nodes;
b) associating the generated blockchain node at the bank system and with a corresponding blockchain node at the external system;
c) opening the bank account at the bank system; and
d) providing verification to a consumer through the external system.
14. The system of claim 13 , wherein the processor is configured to e) process subsequent transactions associated with the bank account through the blockchain between the bank system and the external system.
15. The system of claim 14 , wherein the subsequent transactions comprise one or more money transfers associated with the bank account, wherein the processor is configured to process subsequent transactions through the blockchain between the bank system and the external system through storage of the one or more money transfers in the blockchain, each of the one or more money transfers associated with agreement information for the each of the one or more money transfers.
16. The system of claim 13 , wherein the consumer consent information comprises digital evidence indicative of consent from the consumer, and metadata indicative of a type of the digital evidence indicative of consent.
17. The system of claim 13 , wherein the processor is further configured to:
comparing transactions between the external system and a bank core system of the bank system, the bank core system configured to store transactions of the bank system; and
flagging inconsistent transactions between the bank core system and the external system.
18. The system of claim 13 , wherein the consumer consent information further comprises consent disclosure information indicative of one or more other bank systems that are allowed access to information associated with the bank account;
wherein the external system manages access to the bank account from the one or more other bank systems based on the consumer consent information.