Secure sensitive personal information dependent transactions

A computer readable storage medium having a computer readable program stored therein, wherein the computer readable program, when executed on a computing device, causes the computing device to:

• execute, by at least one processor of the computing device, instructions that cause the at least one processor to process queries and requests from service providers;
• register, by the at least one processor, one or more authorized computing devices associated with a sensitive personal information (SPI) owner, wherein the one or more authorized computing devices have corresponding digital wallets that store SPI data;
• dynamically generate, by the at least one processor, for the SPI owner, an associated taxonomy data structure, wherein the taxonomy associates types of SPI data with locations of digital wallets, of the one or more computing devices associated with the SPI owner, that store the associated types of SPI data, wherein different digital wallets store different types of SPI data;
• receive, by the at least one processor, from a computing system associated with a service provider website, a query for SPI of the SPI owner based on an electronic transaction initiated between the SPI owner and the service provider website;
• identify, by the at least one processor, particular SPI data required to complete the electronic transaction based on a cognitive analysis of contents of the query;
• search, by the at least one processor, the taxonomy data structure associated with the SPI owner, to identify one or more locations of digital wallets storing the particular SPI data;
• select, by the at least one processor, a selected authorized computing device based on the identification of the one or more locations of digital wallets storing the particular SPI data;
• transmit, by the at least one processor, a constructed request to the selected authorized computing device, of the one or more authorized computing devices associated with the SPI owner, having a digital wallet storing the particular SPI data based on results of searching the taxonomy data structure;
• receive, by the at least one processor, the particular SPI data from the selected authorized computing device, thereby forming received SPI;
• and
• complete, by the at least one processor, the electronic transaction by using the received SPI, without providing the received SPI to the service provider, but providing a confirmation of validity of the received SPI for completion of the electronic transaction to the service provider, wherein the dynamic generation of the taxonomy data structure comprises a computer learning process by which the at least one processor automatically learns, over time, from processing a plurality of electronic transactions associated with the SPI owner, locations of digital wallets of the one or more authorized computing devices that store different types of SPI data for completing each electronic transaction in the plurality of electronic transactions, and maps different ones of the locations of digital wallets to different types of SPI data based on the learning.

An apparatus comprising:

• at least one processor;
• and
• at least one memory coupled to the at least one processor, wherein the at least one memory comprises instructions which, when executed by the at least one processor, cause the at least one processor to:
• execute instructions that cause the at least one processor to process queries and requests from service providers;
• register one or more authorized computing devices associated with a sensitive personal information (SPI) owner, wherein the one or more authorized computing devices have corresponding digital wallets that store SPI data;
• dynamically generate for the SPI owner, an associated taxonomy data structure, wherein the taxonomy associates types of SPI data with locations of digital wallets, of the one or more computing devices associated with the SPI owner, that store the associated types of SPI data, wherein different digital wallets store different types of SPI data;
• receive, from a computing system associated with a service provider website, a query for SPI of the SPI owner based on an electronic transaction initiated between the SPI owner and the service provider website;
• identify particular SPI data required to complete the electronic transaction based on a cognitive analysis of contents of the query;
• search the taxonomy data structure associated with the SPI owner, to identify one or more locations of digital wallets storing the particular SPI data;
• select a selected authorized computing device based on the identification of the one or more locations of digital wallets storing the particular SPI data;
• transmit a constructed request to the selected authorized computing device, of the one or more authorized computing devices associated with the SPI owner, having a digital wallet storing the particular SPI data based on results of searching the taxonomy data structure;
• receive the particular SPI data from the selected authorized computing device, thereby forming received SPI;
• and
• complete, by the at least one processor, the electronic transaction by using the received SPI, without providing the received SPI to the service provider, but providing a confirmation of validity of the received SPI for completion of the electronic transaction to the service provider, wherein the dynamic generation of the taxonomy data structure comprises a computer learning process by which the at least one processor automatically learns, over time, from processing a plurality of electronic transactions associated with the SPI owner, locations of digital wallets of the one or more authorized computing devices that store different types of SPI data for completing each electronic transaction in the plurality of electronic transactions, and maps different ones of the locations of digital wallets to different types of SPI data based on the learning.