KR-20260063239-A - SYSTEM FOR OPERATING LOAN OF LIVING THINGS DATA AND PAYING INTEREST FOR THE LIVING THINGS DATA BASED ON BLOCK-CHAIN

KR20260063239AKR 20260063239 AKR20260063239 AKR 20260063239AKR-20260063239-A

Abstract

The present invention relates to a blockchain-based system for operating loans and paying interest on living organism data. The problem to be solved is to store clinical data, genetic information, life logs, diagnostic and medical imaging data of all living organisms, including individuals, animals, plants, and microorganisms, and to provide data lending and temporary sharing services utilizing decentralized finance. It also aims to maximize the utilization of biomedical data by enabling the safe and convenient lending of medical-related data of individuals and all living organisms, and allowing stakeholders to generate revenue through interest. For example, a blockchain-based loan operation and interest payment system for living organism data is disclosed, comprising: a data provider terminal that receives and uploads living organism data from a data provider and receives interest based on an interest rate determined by an artificial intelligence evaluation result of the uploaded living organism data; a data operation server that stores the living organism data uploaded by the data provider terminal in a blockchain network, sets a dynamic interest rate based on the value evaluation of the stored living organism data, pays interest to the data provider terminal according to the set dynamic interest rate, and provides a loan service for the living organism data stored in the blockchain network by entering into a smart contract with a data demander; and a data demander terminal that receives a loan service including the rental, storage, and sharing of the living organism data by entering into a smart contract with the data operation server.

Inventors

박종화
조수안
전성원

Assignees

에이징랩 주식회사
울산과학기술원

Dates

Publication Date: 20260507
Application Date: 20241030

Claims (10)

A data provider terminal that receives and uploads biological data from a data provider, and receives interest based on an interest rate determined by an artificial intelligence evaluation result of the uploaded biological data; A data operation server that stores biological data uploaded by the data provider terminal in a blockchain network, sets a dynamic interest rate based on the valuation of the stored biological data, pays interest to the data provider terminal according to the set dynamic interest rate, and provides a loan service for the biological data stored in the blockchain network by entering into a smart contract with a data demander; and A blockchain-based system for operating loans and paying interest on living organism data, characterized by including a data demander terminal that receives loan services, including the rental, storage, and sharing of living organism data, by entering into a smart contract with the data operation server.
In Article 1, The above biological data is, A blockchain-based loan operation and interest payment system for living organism data, characterized by including at least one of genetic information, lifestyle information, medical information, clinical information, psychological test result information, and survey response information regarding living organisms including humans, animals, plants, and microorganisms.
In Article 1, The above data operation server is, A blockchain-based system for operating loans and paying interest on living organism data, characterized by including a data collection and preprocessing unit that classifies and collects contents included in living organism data uploaded by the data provider terminal according to pre-set categories, converts the collected living organism data into a pre-defined data standard format, processes the converted living organism data by replacing detected missing values with an average or median value when missing values are detected based on a pre-trained artificial intelligence algorithm, performs normalization on the living organism data converted into a standard format or processed for missing values, and then uses a pre-trained artificial intelligence algorithm to detect and remove abnormal data or correct it based on statistical methods.
In Article 1, The above data operation server is, A blockchain-based system for operating loans and paying interest on living organism data, characterized by including a data valuation unit that periodically evaluates the value of data quality, scarcity, and market demand for living organism data using a pre-trained artificial intelligence algorithm, scores the valuation results, and sets a dynamic interest rate based on the scored valuation results.
In Paragraph 4, The above data value assessment execution unit, A blockchain-based system for operating loans and paying interest on living organism data, characterized by including a data quality evaluation unit that performs, respectively, an accuracy evaluation based on the error rate of the living organism data, an evaluation of the consistency of the living organism data over time, an evaluation of completeness based on the existence of essential items in the living organism data, and an evaluation of the update frequency based on whether the living organism data is maintained in the latest state.
In Paragraph 4, The above data value assessment execution unit, A blockchain-based system for operating loans and paying interest on biological data, characterized by including a data scarcity evaluation unit that performs, respectively, an evaluation of originality based on the analysis of differences between similar data groups based on the clustering of biological data, an evaluation of usefulness based on the prediction of research possibilities based on the regression analysis of biological data, and an evaluation of relative scarcity through comparative analysis between biological data and web-scraped competing data.
In Paragraph 4, The above data operation server is, A blockchain-based system for operating loans and paying interest on living organism data, characterized by including a data market demand evaluation unit that performs, respectively, an analysis of industrial trends in living organism data through natural language processing-based text analysis of disclosed papers, patents, and industry reports; a use case evaluation that scores the potential for utilization of living organism data based on an analysis of use cases of living organism data; and a market research evaluation that identifies the intensity of demand for living organism data based on the collection and analysis of feedback from data users regarding living organism data.
In Paragraph 4, The above data operation server is, A blockchain-based loan operation and interest payment system for living organism data, characterized by further including a dynamic interest rate setting unit that calculates a total score by scoring the results of a valuation of living organism data, assigns weights to each valuation result and adjusts the assigned weights, calculates the total score of the valuation results with applied weights, and sets an operating interest rate proportional to the total score.
In Article 1, The above data provider terminal is, When uploading biological data, consent for the loan of biological data is obtained from the data provider, and the result of the data provider's loan consent is uploaded to the above-mentioned data operation server along with the biological data, and The above data operation server is, A blockchain-based system for operating loans and paying interest on living organism data, characterized by including a loan consent result storage unit that stores the loan consent results of a data provider, uploaded together with the living organism data from the data provider terminal, for each living organism data.
In Article 1, The above data operation server is, A blockchain-based system for operating loans and paying interest on living organism data, characterized by including a security and authentication processing unit that processes identity authentication for data providers and data users using a Decentralized Identity (DID) system.

Description

System for Operating Loan of Living Things Data and Paying Interest for the Living Things Data Based on Blockchain Embodiments of the present invention relate to the utilization and revenue generation of data on all living organisms on Earth based on blockchain, and in particular to a system for operating loans and paying interest on living organism data. More specifically, this relates to a loan operation and interest payment system utilizing bioinformatics authentication and security technology, economic and financial technology (fintech), biomedical and life science, and legal and ethical technologies to store, rent, temporarily share, and manage data related to living organisms (ALL BIOLOGICAL ENTITIES or Biome) using P2P distributed blockchain technology. In general, data related to all living things on Earth can include various types of information, such as genetic information, medical information, clinical information, and health information. Among such biological data, human and animal genetic information entails enormous costs for collection, sharing, and utilization; consequently, the collected data itself is recognized for its high economic value. Consequently, multinational pharmaceutical and biotechnology companies frequently conduct their own in-house collection and analysis to facilitate its easy use. This is because complex procedures, usage limitations, and regulations regarding the utilization of public biological data exist in each country. Furthermore, regarding medical information among living organism-related data, demand for such services is increasing recently. This trend is driven by the utilization of information and communication technology to improve patient health status and diagnosis, aligning with rising healthcare expenditures, an aging population, public policies aimed at cost reduction, and customer-centric trends. Recently, pharmaceutical companies, venture firms, and large hospitals have joined forces to start commercializing personal genome analysis services. This is a predictive genetic test that primarily utilizes innate information; while it clearly offers the opportunity to diagnose, prevent, and treat certain diseases in advance, allowing it to be abused out of intoxication by its potential poses additional risks to the individuals using it and can lead to threats to public health or increased public health costs for society as a whole. However, while usage costs for utilizing personal genetic or medical information must be paid and compensation must be provided in exchange for such use, the reality is that there are no means or methods to systematize and operate this process. FIG. 1 is a schematic diagram showing the overall configuration of a blockchain-based loan operation and interest payment system for living organism data according to an embodiment of the present invention. FIG. 2 is a block diagram showing the detailed configuration of a data operation server according to an embodiment of the present invention. FIG. 3 is a block diagram showing the detailed configuration of a data collection and preprocessing unit according to an embodiment of the present invention. FIG. 4 is a block diagram showing the detailed configuration of a data value evaluation unit according to an embodiment of the present invention. The terms used in this specification will be briefly explained, and the invention will be described in detail. The terms used in this invention have been selected based on currently widely used general terms, taking into account their functions within the invention; however, these terms may vary depending on the intent of those skilled in the art, case law, the emergence of new technologies, etc. Additionally, in specific cases, terms have been arbitrarily selected by the applicant, and in such cases, their meanings will be described in detail in the relevant description of the invention. Therefore, the terms used in this invention should be defined not merely by their names, but based on their meanings and the overall content of the invention. When a part of a specification is described as "comprising" a certain component, this means that, unless specifically stated otherwise, it does not exclude other components but may include additional components. Furthermore, terms such as "...part" or "module" as used in the specification refer to a unit that processes at least one function or operation, and this may be implemented in hardware or software, or as a combination of hardware and software. Embodiments of the present invention are described below with reference to the attached drawings so that those skilled in the art can easily implement them. However, the present invention may be embodied in various different forms and is not limited to the embodiments described herein. Furthermore, in order to clearly explain the present invention in the drawings, parts unrelated to the explanation have been omitted, and similar parts throughout the specification are