A computer-implemented method of securely controlling access to data, the method including a consolidation server creating and securely storing a consolidated file labelled by a user device ID, including a first record including a first app ID and a first account ID, and a second record including a second app ID and a second account ID, transmitting encrypted data, including the consolidated file, to the user device, receiving encrypted data indicating a request to modify the first record from the user device, and responsive thereto, modifying the first record according to the request to modify the first record and securely storing a resulting modified first record, and transmitting to the first issuer server encrypted data, including the first app ID and the first account ID, indicating an instruction to modify the first app's access rights to data relating to the first account according to the request.