Consent Manager

Consent Manager by Suma Soft: The Control Tower for Data Rights—Granular, Time-Bound, Revocable, and Auditable

Empower users with seamless control over their data sharing in a trusted digital ecosystem.

Suma Soft draws on extensive expertise in consulting and implementing consent management standards and solutions, collaborating with governments, regulators, banks, insurers, health networks, fintechs, and industry schemes. We design, deploy, and scale DPI-grade consent managers that facilitate interoperable, consent-based data exchanges across sectors. Acting as a neutral interface, the consent manager allows individuals, merchants, or SMEs to review data requests—who wants what, why, and for how long—then approve, deny, or revoke access anytime. Behind the scenes, it enforces decisions through tokenized, scoped data flows, ensuring only authorized parties access information, with every action logged for audits. This supports diverse use cases beyond finance, including identity verification, service onboarding, healthcare record sharing, government benefit enrollment, and enterprise audits.

Why Consent Managers Are Essential to Digital Public Infrastructure (DPI)

Interoperability across ecosystems: A unified consent interface and machine-readable artifacts standardize permission across apps and sectors, eliminating custom setups and ensuring consistent verification and enforcement.
Openness and neutrality: Transparent APIs and certification enable multiple providers to integrate without dependencies, fostering innovation.
Privacy by design: Purpose-specific scopes, minimal data tokens, and limited durations ensure sharing is precise and temporary, aligning with data protection principles.
Trust and accountability: Comprehensive logs and receipts support regulatory audits, giving users clear visibility and control over their data rights.
Inclusion and scale: A shared consent layer simplifies processes, reduces paperwork, and makes secure data sharing accessible, affordable, and efficient for all users.

Who Benefits from It

Financial Services and Open Finance

Manage granular consents for sharing statements, balances, or KYC data; support recurring access for lending assessments with renewal prompts.

Insurance and Credit

Access income proofs, policy details, or claims histories under defined purposes and boundaries.

Healthcare and Welfare

Handle sensitive records with privacy-aligned policies, including emergency access and post-review audits.

Government and Citizen Services

Streamline permissions for registries, licenses, or benefits, enabling verification without repeated submissions.

Enterprise and Cross-Sector Exchanges

Facilitate partner data sharing with enforceable revocations, extending to onboarding, compliance checks, and supply chain verifications.

What Suma Soft Provides

Governance, Policy, and Standards

Artifact design: Craft standardized consent templates detailing purpose, data scopes, frequency, duration, and user rights
Trust and accreditation: Develop rulebooks for participant onboarding, certification, and incident handling to ensure fair, multi-vendor ecosystems.
Legal alignment: Map controller/processor roles, cross-border considerations, and audit-ready receipts.
UX standards: Define plain-language interfaces, layered details, and accessibility to promote informed decisions.

Technology Blueprint and Integration

Reference architecture: Include authorization servers, consent ledgers, policy enforcement points, key management, event notifications, and analytics.
Standards-based protocols: Leverage OAuth2/OpenID, FAPI security, CIBA for decoupled flows, UMA 2.0 for user-managed access, and machine-readable receipts.
Tokenized flows: Issue scoped, short-lived tokens; align refreshes with consent terms; deny access on expiry or revocation.
Discovery services: Maintain registries for certified participants, scopes, and capabilities to ease integrations.
Developer resources: Offer SDKs, samples, and test suites for quick ecosystem adoption.

Adoption and Ecosystem Enablement

Integration playbooks: Guides for handling scopes, errors, and failures like expired consents.
Education tools: Reusable content and visuals to explain consents, revocations, and renewals consistently.
Operational insights: Dashboards tracking consent metrics, approvals, revocations, and flow performance.
Certification support: Testing for artifact integrity, revocation SLAs, and data minimization.

Product Capabilities

Granular Scopes and Purposes: Segment data into categories (e.g., balances, transactions, identities) with modifiers like time ranges or frequencies; tie tokens to specific uses and block overly broad requests.
Time-Bound, Renewable Access: Enable one-off or recurring shares with auto-expiry and user-prompted renewals; prevent unauthorized ongoing access.
Instant Revocation: Users revoke via apps or dashboards; system propagates changes, invalidates tokens, and stops flows per SLAs.
Receipts and Ledgers: Produce signed receipts and store events immutably for audits, inquiries, or disputes.
Risk-Based Step-Up: Escalate authentication for sensitive scopes or transfers using biometrics or strong methods.
Minimization and Redaction: Deliver only requested data; mask identifiers; omit extras to enforce least privilege.
Emergency Access: Allow "break-glass" scenarios with mandatory reviews, alerts, and justification logs.

End-to-End Flow

Request Initiation

Consumers specify purpose, scope, frequency, and duration for data access.

Notification and Authentication

Principals get clear consent screens and authenticate via scheme methods.

Review and Decision

Users examine details, approve/deny; high-risk may require escalation.

Token Issuance

Manager generates scoped tokens; logs entries in the ledger.

Data Transfer

Providers validate tokens and send purpose-bound data securely.

Revocation and Renewal

Principals adjust consents anytime; tokens invalidate; expiries prompt renewals.

Auditing and Insights

Dashboards and logs track activities for compliance and optimization.

DPI Principles at Work

Interoperability: Uniform artifacts and scopes connect sectors without silos.
Openness and Neutrality: Public APIs and certifications promote diverse participation.
Inclusion: Simple interfaces make data rights accessible in low-tech environments.
Security and Trust: Token enforcement, audits, and privacy features build confidence.

Security, Compliance, and Reliability by Design

Financial-grade protections: Mutual TLS, signed requests, constrained tokens to prevent misuse.
Zero-trust enforcement: Scope-level checks; default denials on invalid consents.
Key handling: HSM support, rotations, pinning for secure connections.
Data safeguards: Encryption, field protections, deletion schedules.
Resilience: Limits, breakers, retries for stable operations.
Compliance tools: Built-in receipts, versioning, incident flows, regulatory reports.

Why Choose Suma Soft

Standards-Driven Expertise

Robust Security

Adoption-Focused

DPI-Scalable

Standards-Driven Expertise

Robust Security

Adoption-Focused

DPI-Scalable

Implementation Roadmap

Phase 1

Strategy and Scheme Design

Outline scopes, purposes, defaults, and SLAs.
Create rulebooks: roles, onboarding, certifications.
Set UX guidelines: language, visuals, accessibility.

Phase 2

Build and Integrate

Deploy servers, ledgers, tokens, registries, event systems.
Release docs, SDKs, tests; integrate pilots.
Strengthen security (mTLS, signing, constraints).

Phase 3

Pilot and Calibrate

Test multi-party scenarios; track metrics like approvals, revocations.
Refine UX and scopes based on feedback.
Verify audits and workflows.

Phase 4

Scale and Certify

Extend to sectors; finalize accreditations.
Add recurring features and discoveries.
Establish governance for updates and reviews.

Success Metrics to Track

UX Efficiency

Safety Controls

Adoption Growth

Compliance Strength

Impact