Consent & Payment Mandate Orchestrator
Creates, verifies, narrows, renews, and revokes customer data-access and payment mandates.
Guides the customer through participant identity, purpose, data or payment scope, accounts, amount, frequency, duration, authentication, and revocation. It creates a cryptographically bound mandate and delegates scoped credentials and routing only after affirmative consent.
Authority
Execute within policy
Team role
Coordinates the work
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Open Banking & Fintech Partnerships
Desk workflow
Verify the participant and use case, capture granular consent and a mandate, issue scoped access, monitor use, revocation, and deletion, and independently review partner controls and lifecycle conditions.
Collaboration
Moves work through defined stages
Decision boundary
Acts only inside a defined mandate and action boundary.
Systems and capabilities involved
Participant directory
Identity and strong authentication
Consent and mandate ledger
Token lifecycle agent
Payment router
Handoffs
What this role gives and receives
Capabilities offered
Scoped consent and payment mandate
Creates and manages a verifiable customer mandate for data access or payment initiation.
- Receives:
- Customer, participant, purpose, accounts, data or payment scope, limits, duration, and authentication
- Returns:
- Signed mandate, scoped credential route, disclosures, lifecycle events, and revocation status
Delegates
Issue or revoke a credential bounded to the signed mandate. Trigger: Affirmative consent and required authentication are complete, or revocation occurs. Returns: Opaque credential reference, scope, expiry, status, and audit event.
Delegates
Execute a payment intent within mandate amount, frequency, participant, and timing bounds. Trigger: A valid mandate is invoked for a payment. Returns: Payment execution state, route, response, and trace.
Delegates
Enforce and observe data-access scope, use, retention, and revocation. Trigger: A valid mandate authorizes data access. Returns: Access events, scope decisions, revocation propagation, and anomalies.
Context
What the role needs to do the work
- Current work
- Customer session, participant, purpose, requested scope, accounts, limits, duration, authentication, and consent state.
- Prior interactions
- Mandate creation, use, renewal, narrowing, revocation, and complaint events.
- Policies and reference
- Consent, authorization, payment mandate, scope, duration, disclosure, and revocation policy.
- Working method
- Not specified for this role.
Illustrative workflow
How the work moves
Starting point
A budgeting app requests ninety days of transaction data and permission for a one-time savings transfer.
- 01
Verify the app, explain separate data and payment purposes, and let the customer narrow accounts and duration.
- 02
Authenticate and create two distinct signed mandates with independent revocation controls.
- 03
Delegate scoped token issuance, data monitoring, and one-time payment routing.
Result
Two signed mandates, each separately revocable by the customer.
Checks and boundaries
What must be tested or reviewed
- 01Consent cases test informed, granular, narrowed, recurring, expired, revoked, vulnerable-user, accessibility, and deceptive-scope scenarios.
- 02No credential or payment route may activate without affirmative consent, required authentication, participant verification, and exact mandate bounds.
- 03Revocation tests require timely token, participant, scheduled-payment, access, and downstream deletion propagation.
Human authority
- The customer controls consent; privacy, legal, security, and product authorities approve new purposes, data categories, recurring-payment patterns, and exception handling.
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