Patent ID: 11928241
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G

Claim 0:
1. A computer-implemented method, comprising:
receiving, by a consent database, a first data request comprising at least one use case for user data associated with a user from a requester system, the user data stored in a user data database separate from the consent database;
communicating, by the consent database, a response to the first data request to the requester system, the response indicating that the first data request is verified based on determining the at least one use case meets the consent standards associated with at least one permissible use case;
communicating, by the consent database, a consent request to the requester system for display to the user on a user device associated with the user;
receiving, by the consent database, a consent response from the requester system based on input from the user device, the consent response indicating consent from the user to share the user data requested in the first data request;
storing, by the consent database, consent data associated with the consent response for the user data requested in the first data request in an immutable ledger;
receiving, by the consent database, a consent verification request from the user data database, the consent verification request based on a second data request for the user data from the requester system to the user data database;
verifying, by the consent database, the consent verification request based on the consent data stored in the immutable ledger;
communicating, by the consent database, a consent verification response based on verifying the consent verification request to the user data database, the consent verification response indicating consent from the user to share the user data from the user data database with the requester system;
receiving, by the consent database, from the requester system, utilization data associated with consented use of user data;
storing, by the consent database, the utilization data associated with the user data in the immutable ledger;
comparing, by the consent database, the utilization data associated with the user data with the consent data associated with the user data;
determining, by the consent database, compliance of the utilization data to conditions of the consent data;
storing, by the consent database, an indication of compliance of the utilization data in the immutable ledger;
receiving, by the consent database, an audit request associated with the user data from the user data database; and
communicating, by the consent database, the indication of compliance of the utilization data associated with the user data to the user data database.