This particular element has been recommended in light of the fact that extended use of consumer information from the databank shall require regulatory authorities to ensure that the use is of a nature such that it does not interfere with consumer security and privacy concerns. The website/online retailer, having authenticated the consumer’s identity, shall then proceed to the consumer and shall allow the transaction to take place.
Needless to say, the model presented above has been designed in a manner such that the consumer’s information is placed with a central location but the authority to access and make use of that information is limited partially by the consumer’s consent and partially by a regulatory authority. This regulatory authority is meant to be one with which consumer records as well as retailer records are maintained. This measure has been recommended as a security measure to ensure that only relevant bodies get access to sensitive data. It is recommended that the central databank’s regulatory authority forms a code of conduct for website/online retailers that they will have to agree to abide by if they wish to acquire access to the consumer’s information. Also, a highly recommended prerequisite in this regard is that if any party wishes to acquire access to the consumer’s personal data, the code of conduct shall require the party to submit their personal data as an eligibility criterion to do so. The recording of the website/online retailer’s personal information shall ensure that the website/online retailer does not exploit the consumer’s information.
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