Abstract: Methods, apparatus and system to access personal data of a consumer (generated when said user is operating with a first service provider) by a second service provider, maintaining the privacy of the consumer. The proposed invention allows accessing data belonging to a certain consumer (for example, data generated when using a certain telecommunications service) by another entity providing services to the user (for example a bank) without sending the personal identification of the consumer. The proposed invention adds more flexibility, saves resources and increases scalability, efficiency and privacy.