Federated Transactions Record Repository and Access Management

A method of storing and managing access to information about electronic transactions completed by users collected from a plurality of transaction processors, comprising:

• receiving transaction report messages by a transaction record repository application executing on a computer system, wherein each of the transaction report messages comprises an identity of a user, an identity of a transaction processor, and information about an electronic transaction associated with the user;
• storing the information associated with the transaction report messages by the transaction record repository application in an immutable datastore, wherein information associated with different users is stored in different chains of blocks in the immutable datastore;
• receiving a first user information management request by the transaction record repository application from a user;
• responsive to receiving the first user information management request, sending a user management report by the transaction record repository application to the user, where the user information management report identifies one or more transaction processors that have provided transaction report messages identifying the user and for each of the identified one or more transaction processors one or more types of information on electronic transactions provided by the transaction processor;
• receiving a second user information management request message by the transaction record repository application from the user;
• and
• responsive to receiving the second user information management request message, restricting access by the transaction record repository application to one or more of the types of information on electronic transactions associated with the user that can be accessed by one or more of the transaction processors.

A system for storing and managing access to information about electronic transactions completed by users collected from a plurality of different transaction processors, comprising:

• a processor;
• a non-transitory memory;
• a data store comprising a repository of information on user electronic transactions, wherein the repository comprises a chain of user blocks and a plurality of user electronic transaction chains, wherein each user block has a content that comprises a reference to an initial block of one of the user electronic transaction chains, and wherein each user electronic transaction chain comprises one or more user electronic transaction blocks associated with a user identified in the user block that references the electronic transaction chain;
• and
• a transaction record repository application stored in the non-transitory memory that, when executed by the processor:
• receives transaction report messages from transaction processors that comprise an identity of a user, an identity of a transaction processor, and information about one or more electronic transactions completed by the transaction processor on behalf of the user;
• creates user transaction blocks based on the transaction report messages received from transaction processors, wherein each user transaction block identifies a transaction processor and comprises information about one or more electronic transactions completed by the identified transaction processor on behalf of the user;
• appends the user transaction blocks to an associated user chain;
• receives user information management request messages from users that define user transaction information access rules for transaction processors;
• and
• responds to information requests from transaction processors by returning information retrieved from the data store based on the access rules defined by the user management order messages.