Blockchain Consent Record Verification System

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Solution Overview

Problem

Existing account management systems face challenges in ensuring the integrity and accessibility of consent records, as they can be altered or manipulated by bank employees or hackers, making it difficult for customers to verify the accuracy of their records, especially in disputes.

Innovation Solution

Implementing a blockchain system that generates and associates consumer consent information between an external system and a bank system, ensuring that consent records are immutable and verifiable, thus preventing fraudulent alterations and ensuring consistency with actual business processes.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If consent records are stored in digital databases controlled by the bank, then the bank can efficiently manage and retrieve records, but the records become vulnerable to alteration by bank employees, administrators, or hackers

Engineering Contradiction:

Improverecord management efficiencyVSAvoidrecord integrity

Core Design Contradiction:

ProductivityVSReliability

Solution Approach 1:

The patent introduces a blockchain network as an intermediary layer between the bank's internal systems and the consent records. This blockchain acts as a neutral mediator that stores immutable hashes of consent records, preventing direct alteration by bank personnel while maintaining efficient access through the bank's existing database systems. The blockchain serves as a trustless verification layer that doesn't require changing the bank's operational efficiency.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent creates a cryptographic copy (hash) of the consent record and stores it on the blockchain. This copy serves as an immutable verification mechanism that doesn't interfere with the original record's storage and management in the bank's database. The hash copy allows verification of record integrity without requiring changes to the primary storage system, thus maintaining efficiency while improving reliability.

Inventive Principle:

Principle #26Copying

2Productivity

If the bank maintains sole control of the consent record system, then operational efficiency is maintained, but customers cannot independently verify the accuracy of their consent records

Engineering Contradiction:

Improvesystem operational efficiencyVSAvoidcustomer verification capability

Core Design Contradiction:

ProductivityVSEase of operation

Solution Approach 1:

The blockchain network serves as a neutral intermediary that both the bank and customers can access independently. Customers can query the blockchain to verify their consent records without needing to trust or access the bank's internal systems directly. This intermediary layer enables customer self-verification while requiring no changes to the bank's operational procedures.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent enables customers to independently verify their own consent records by accessing the blockchain directly. Each customer can use their account identifiers to query the blockchain for their consent record hashes and verify them against their own records. This self-service capability eliminates the need for bank staff involvement in verification processes, maintaining operational efficiency while empowering customers.

Inventive Principle:

Principle #25Self-service

3Reliability

If consent records are scattered across multiple database tables and systems, then data normalization and security are improved, but records become difficult to retrieve and reconstruct accurately

Engineering Contradiction:

Improvedata securityVSAvoidrecord retrieval complexity

Core Design Contradiction:

ReliabilityVSDifficulty of detecting and measuring

Solution Approach 1:

The patent performs a preliminary action by storing the hash of the complete consent record on the blockchain before any potential fragmentation or scattering of data across multiple tables. This pre-stored hash serves as a verification anchor that allows accurate reconstruction and validation of the complete record even when data is distributed across multiple systems, simplifying retrieval and verification processes.

Inventive Principle:

Principle #10Preliminary action

4Quantity of substance

If traditional digital storage is used for consent records, then storage efficiency is maintained, but the records are subject to potential alteration and lack immutable verification

Engineering Contradiction:

Improvestorage efficiencyVSAvoidrecord immutability

Core Design Contradiction:

Quantity of substanceVSReliability

Solution Approach 1:

The patent creates a cryptographic copy (hash) of the consent record and stores it on the blockchain. This copy requires minimal additional storage space compared to the full record but provides immutable verification. The original record remains in the bank's efficient database storage, while the hash copy on the blockchain provides the immutability guarantee without significantly increasing overall storage requirements.

Inventive Principle:

Principle #26Copying

Data Source

PatentUS10891689B2Consent management service system

Publication Date: 2021.01.12 HITACHI VANTARA LTD

AI summary

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.