Trust Root Consent Verification With Signed Audit Receipts

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Solution Overview

Problem

Current consent management systems struggle with updating consent as technology evolves, making it difficult to audit and prove consent for transactions, and lack sufficient granularity in defining data usage permissions, leading to operational uncertainty and legal exposure.

Innovation Solution

A trust root server centralizes consent management, tracking, propagating, and auditing customer data access permissions through a centralized trust service, using a universal identifier and digital signatures to ensure non-repudiation and provenance, and supports flexible consent management across multiple entities.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If consent is collected through a singular interface covering all possible uses, then comprehensive data permission is achieved, but updating consent becomes difficult and expensive to audit

Engineering Contradiction:
Improveconsent verification reliabilityVSAvoidconsent management complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent segments consent management into discrete, granular consent records for different data uses, entities, and time periods. Each consent is stored as a separate verifiable record with unique identifiers, allowing individual consents to be managed, updated, and audited independently rather than as a single monolithic agreement.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent introduces a trust root system as an intermediary layer between data subjects and data controllers. This trust root maintains a decentralized ledger of consent records that can be verified by multiple parties without requiring direct access to each other's systems, simplifying audit processes while maintaining comprehensive consent tracking.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Ease of operation

If role-based access controls are used for simplified authentication, then authentication ease is improved, but granularity in defining data usage permissions is insufficient

Engineering Contradiction:
Improveauthentication easeVSAvoidpermission granularity
Core Design Contradiction:
Ease of operationVSAdaptability or versatility

Solution Approach 1:

The patent implements local quality by assigning specific attributes and permissions to individual consent records rather than applying uniform role-based rules. Each consent record can have customized data uses, entities, time periods, and conditions, allowing precise control over data access while maintaining simplified authentication through the trust root verification process.

Inventive Principle:
Principle #3Local quality

Data Source

PatentUS20250390872A1Trust root system for verification of user consents
Publication Date: 2025.12.25 FINICITY CORP
  • US20250390872A1 patent drawing
  • US20250390872A1 patent drawing
  • US20250390872A1 patent drawing

AI summary

A server includes a consent repository and a consent management interface. The consent repository is configured to store data and one or more existing consent receipts. A method performed by the server includes receiving a customer ID that corresponds to a customer. The customer ID is matched to a universal ID stored on the server. Financial account data associated with a financial account of the customer is retrieved from a financial institution associated with the customer. Furthermore, a consent request data submission is received from an external computing device. The consent request data submission includes one or more data access consents. In addition, a consent request is transmitted to the consent management interface. The consent request includes the one or more data access consents. Additionally, the consent request is digitally signed by the server and stored in the consent repository as a new consent receipt.