Consent-driven privacy disclosure control processing

A user provides retailer-specific consents for access and use to private/sensitive information of the user. The private/sensitive information is centrally stored in a privacy vault. Retail services (retailer) that the user subscribes to are provided a user-specific and consent-specific token representing the user and consents to usage of specific private/sensitive information of the user. When the retailer has a need for user-specific private/sensitive information, the retailer presents the user-specific and consent-specific token to the privacy vault. Assuming, the retailer was given access to the requested private/sensitive information defined in the token, the privacy results returns the requested information to the retailer; otherwise, an unauthorized message is returned from the privacy vault to the retailer. The user defines the consents to each retailer and a record of the consents is maintained in the privacy vault.