Methods and systems for sharing a consent token associated with a user consent among applications

A system comprising:

• a first merchant computer comprising:
• a first communication interface;
• a first processor coupled to the first communication interface;
• a first memory storing executable instructions which, when executed by the first processor, cause the first processor to perform operations of:
• receiving an enrollment request from a first merchant application on a user device;
• receiving a user consent message from the user device;
• receiving user credential data for the user device from the user device, wherein the user credential data for the user device comprises a payment card;
• and
• transmitting the user consent message and the user credential data to a server system;
• the server system comprising:
• a server communication interface;
• a server processor coupled to the server communication interface;
• and
• a server memory storing executable instructions which, when executed by the server processor, cause the server processor to perform operations of:
• receiving the user consent message and the user credential data for the user device from the first merchant computer;
• generating a consent token, wherein the consent token comprises the user credential data and the user consent message;
• storing the consent token in a consent database;
• receiving access rules from the first merchant computer defining the use of the consent token for a set of other merchant computers including a second merchant computer;
• storing the access rules in the consent database;
• receiving a request to access the consent token from the second merchant computer;
• verifying access to the consent token from the second merchant computer based on the access rules;
• transmitting to the user device a request for a user consent message to access the consent token by the second merchant computer;
• receiving the user consent message from the user device for the second merchant computer to access the consent token;
• and
• transmitting the consent token to the second merchant computer;
• a second merchant computer comprising:
• a second communication interface;
• a second processor coupled to the second communication interface;
• a second memory storing executable instructions which, when executed by the second processor, cause the second processor to perform operations of:
• receiving a purchase transaction request from the user device;
• transmitting, to the server system, the request to access the consent token;
• and
• storing the consent token received from the server system.