Dynamic digital consent

A method for generating a digital compliance record using mobile phone data and metadata to obtain authenticated digital consent, the method comprising:

• storing in a database:
• a digital identifier associated with a financial product or service;
• a consent text for the financial product or service, the consent text associated with the digital identifier;
• a first authentication protocol associated with the digital identifier, the first authentication protocol comprising a first plurality of authentication procedures;
• and
• a second authentication protocol associated with the digital identifier, the second authentication protocol comprising a second plurality of authentication procedures;
• using a first receiver, receiving a request to initiate a customer product offer, the request comprising a name and phone number provided by a customer;
• using a first processor, the first processor in communication with the database and a customer mobile device:
• retrieving the digital identifier stored in the database and associated with the product or service;
• and
• generating a one-time PIN (“OTP”) that includes the digital identifier for the product or service;
• using a first transmitter, transmitting the OTP that includes the digital identifier for the product or service to the customer mobile device number;
• using a second processor, the second processor installed on the customer mobile device:
• in response to entry of the OTP comprising the digital identifier:
• determining that the customer mobile device is in the presence of the customer providing consent;
• and
• determining the digital identifier for the product or service from the OTP;
• retrieving a consent text for the product or service using the digital identifier for the product or service obtained from the OTP;
• retrieving the first authentication protocol using the digital identifier for the product or service obtained from the OTP, the first authentication protocol comprising a biometric scan and a first match threshold;
• and
• retrieving the second authentication protocol using the digital identifier for the product or service obtained from the OTP, the second authentication protocol not comprising a biometric scan and comprising accessing customer data stored on the mobile device, the second authentication protocol further comprising a second match threshold, the second match threshold higher than the first match threshold;
• using a second receiver, the second receiver installed on the customer mobile device:
• receiving a customer agreement to the consent text;
• and
• receiving customer selection of the first authentication protocol or the second authentication protocol;
• and
• associating the consent agreement and one or more authentication protocols with the digital identifier for the product or service;
• and
• using a second transmitter, the second transmitter installed on the mobile device, transmitting a digital compliance record to the database for storage, the digital compliance record comprising the digital identifier for the product or service, the consent agreement and one or more authentication protocol outputs.