Account access security using a distributed ledger and/or a distributed file system

A node, comprising:

• one or more memories;
• and
• one or more processors, coupled to the one or more memories, configured to:
• obtain, based on user preferences information associated with an account that a user has with an organization, a smart contract that specifies permissible types of account access information that the user has consented to having monitored,
• wherein the user preferences information is added to a distributed ledger that is used for managing access to the account, and
• wherein the user preferences information specifies two or more of:
• which account access information of the user is permitted to be monitored,
• when the account access information of the user is permitted to be monitored, or
• how the account access information of the user is permitted to be monitored;
• receive account access information;
• and
• cause a record to be added to the distributed ledger that is used for managing access to the account.

A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:

• one or more instructions that, when executed by one or more processors of a node, cause the node to:
• obtain, based on user preferences information associated with an account that a user has with an organization, a smart contract that specifies permissible types of account access information that the user has consented to having monitored,
• wherein the user preferences information is added to a distributed ledger that is used for managing access to the account, and
• wherein the user preferences information specifies two or more of:
• which account access information of the user is permitted to be monitored,
• when the account access information of the user is permitted to be monitored, or
• how the account access information of the user is permitted to be monitored;
• receive account access information;
• and
• cause a record to be added to the distributed ledger that is used for managing access to the account.