JP6989401B2 - Biometric information utilization management system and biometric information utilization management method - Google Patents

Description

The present invention relates to a biometric information utilization management system and a biometric information utilization management method. Specifically, the present invention makes the management and utilization of biometric information appropriate, and is a stakeholder regarding the provision and utilization of the biometric information. Regarding technology to manage profit adjustments between them as appropriate.

With the progress of sensing devices and network technology, the collection and accumulation of big data by so-called IoT has become widespread. In addition, big data collected and accumulated in this way is analyzed at high speed and with high accuracy by artificial intelligence, and it is becoming possible to analyze the cause of advanced events and predict the future, which was difficult in the past. On the other hand, under such a technical background, various services that collect personal biometric information and behavior history with a wearable device and use them for health management and life log management of the individual have appeared.

As such a technique, for example, a physical information storage means for acquiring and accumulating and recording physical information related to a user's physical condition change, and an environmental information storage means for acquiring and accumulating and recording environmental information which is an external factor of the physical condition change. A factor analysis means for analyzing the correlation between the user's physical condition change and the environmental information based on the accumulated physical information and the environmental information to obtain factor analysis data, and the factor analysis data for newly acquired environmental information. Proposed a health management system (see Patent Document 1) characterized by comprising a modulation prediction means for predicting a change in the physical condition of a user and a result notification means for notifying the prediction result of the change in physical condition. Has been done.

Japanese Unexamined Patent Publication No. 2013-238970

When the biometric information of each individual collected by a wearable device or the like is accumulated up to a certain amount of data for a corresponding number of people, it can be very useful as an analysis target for such products and services for individuals.

On the other hand, since such biometric information is sensitive information, it should be managed and provided appropriately while avoiding easy use, and each individual who provided the biometric information should have a reasonable sense of conviction regarding the use by others. I need to get it. Similarly, users of biometric information also need to be reasonably priced. However, there is no technology for collecting and accumulating biometric information of each individual and appropriately providing the biometric information in consideration of the above points.

Therefore, an object of the present invention is to provide a technique for appropriately managing and using biometric information and appropriately managing profit adjustment among stakeholders regarding the provision and use of the biometric information.

The biometric information utilization management system of the present invention that solves the above problems has a storage device that stores biometric information of each individual having predetermined attributes and information of a sensor that observes the biometric information, and each of the individual. Based on the type of observable biometric information indicated by the sensor information and the amount of biometric information observed by the sensor, the symptom unit price predetermined for each type of biometric information is multiplied by the amount of biometric information. , The process of calculating the sensor unit price for the sensor,
A process of applying a predetermined coefficient for each type of biometric information according to the suitability of the observation time to the sensor unit price of the sensor to calculate the operational consideration of the biometric information to be returned to each individual, and the living body. For information users, the observation time of the type of biometric information used is multiplied by the unit price of the symptom of the type of biometric information targeted for use multiplied by the amount of biometric information targeted for use. It is characterized by being provided with a calculation device that executes a process of calculating a data usage fee by applying the predetermined coefficient related to the above and a predetermined coefficient according to the population size of the biometric information to be used. do.

Further, in the biometric information utilization management method of the present embodiment, the information processing system including a storage device that stores the biometric information of each individual having a predetermined attribute and the information of the sensor that observes the biometric information is the individual. For each, based on the type of observable biometric information indicated by the sensor information and the amount of biometric information observed by the sensor, the symptom unit price predetermined for each type of biometric information is the biometric information. The process of calculating the sensor unit price for the sensor by multiplying the amount and the predetermined coefficient for each type of biometric information according to the suitability of the observation time are applied to the sensor unit price of the sensor and reduced to each individual. A value obtained by multiplying the amount of the biometric information to be used by the process of calculating the operational consideration of the biometric information to be used and the symptom unit price of the type of biometric information to be used for the user of the biometric information. In addition, the process of calculating the data usage fee by applying the predetermined coefficient regarding the observation time of the biometric information of the type to be used and the predetermined coefficient according to the population size of the biometric information to be used. And, it is characterized by executing.

According to the present invention, the management and use of biometric information shall be appropriate, and the adjustment of profits among stakeholders regarding the provision and use of the biometric information shall be appropriately managed.

It is a network configuration diagram including the biometric information utilization management system of this embodiment. It is a figure which shows the hardware configuration example of the biological information utilization management system in this embodiment. It is a figure which shows the data structure example of the user information table of this embodiment. It is a figure which shows the data structure example of the biological information table of this embodiment. It is a figure which shows the data structure example of the sensor information table of this embodiment. It is a figure which shows the data structure example of the disease / symptom unit price table of this embodiment. It is a figure which shows the data structure example of the coefficient table of this embodiment. It is a figure which shows the flow example of the biological information utilization management method in this embodiment. It is a figure which shows the screen example 1 in this embodiment. It is a figure which shows the screen example 2 in this embodiment. It is a figure which shows the screen example 3 in this embodiment. It is a figure which shows the screen example 4 in this embodiment.

--- System configuration ---
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 is a network configuration diagram including the biometric information utilization management system 100 of the present embodiment. The biometric information utilization management system 100 shown in FIG. 1 is a computer system that appropriately manages and uses biometric information and appropriately manages profit adjustment among stakeholders regarding the provision and utilization of the biometric information. ..

As an example of the situation assumed here, each policyholder of an insurance product such as life insurance or medical insurance is equipped with a wearable sensor 200, and the wearable sensor 20 is attached.
It is assumed that the biometric information of the contractor observed at 0 is managed by the biometric information utilization management system 100.

The biometric information observed by the wearable sensor 200 is transmitted to the biometric information utilization management system 100 via the user terminal 300 provided by the contractor. Of course, if the wearable sensor 200 has a communication function by itself and can communicate with the biometric information utilization management system 100, it is not necessary to mediate the communication by the user terminal 300.

The biometric information managed by the biometric information utilization management system 100 is appropriately anonymized. Further, the biometric information anonymized in this way is subjected to analysis processing and the like as necessary, and then delivered to the terminal of the life insurance company (insurance company terminal 500) that handles the above-mentioned insurance products. Life insurance companies will utilize this biometric information and its analysis results for the development of new insurance products and proposals for reviewing existing contracts. In addition, the data usage fee associated with the use of the biometric information described above will ultimately be a source of operational consideration to be returned to the contractor who is the provider of the biometric information. Therefore, if the provider of biometric information is also the policyholder of the insurance product of the insurance company that is the user of the biometric information, the policyholder will pay the insurance premium paid to the insurance company (through the designated insurance agency). It is also possible to use the investment consideration obtained as a source of funds for discounts.

Here, it is assumed that the policyholder of the above-mentioned insurance product contracts the insurance product through, for example, an insurance agency. In addition, such policyholders often make contracts by appropriately combining insurance products of various life insurance companies according to their purposes. In such cases, the insurance agent will manage the insurance product contracts of multiple life insurance companies for one policyholder.

Therefore, the above-mentioned contractor in the present embodiment concludes a trust contract for biometric information with an insurance agent, and as the entrustor of the biometric information, the profit of the trust property entrustment, that is, the above-mentioned data usage fee is used as a source of funds. A business model is established, such as enjoying the operational consideration of.

Assuming the above situation, the interested parties regarding the provision and use of biometric information are the policyholders of insurance products that are the providers of biometric information, and the operators of the biometric information utilization management system 100 that appropriately manages the biometric information. (In some cases, it matches with an insurance agency), an insurance agency responsible for returning operational consideration and collecting data usage fees, and an insurance company that uses biometric information or its analysis results.

Therefore, the network 10 shown in FIG. 1 includes a biometric information utilization management system 100, a wearable sensor 200 worn by the contractor, a user terminal 300 held by the contractor, an agency terminal 400 provided by an insurance agency, and a life insurance company. The insurance company terminal 500 provided by the insurance company is connected so as to be able to communicate.

Of these, the wearable sensor 200 observes the biometric information of the above-mentioned contractor to be worn in cooperation with the application of the user terminal 300 such as a smartphone, and observes the biometric information of the above-mentioned contractor at predetermined timings via the user terminal 300. It is a device to be distributed to the information usage management system 100. As the biological information observed by the wearable sensor 200, information such as heart rate, blood glucose level, body temperature, blood pressure, sweating amount, electrocardiogram, and hemoglobin concentration can be assumed. As will be described later, since such information can be information corresponding to the symptom of the disease, the biological information can be said to be information on the illness and its symptom.

Further, the user terminal 300, the agency terminal 400, and the insurance company terminal 500 are all general information processing terminals, and can be appropriately adopted as PCs, smartphones, tablet terminals, and the like.

--- Hardware configuration ---
The hardware configuration of the biometric information utilization management system 100 is as follows. FIG. 2 is a diagram showing a hardware configuration example of the biological information utilization management system 100 according to the present embodiment.

The biological information utilization management system 100 is held in a storage device 101 composed of an appropriate non-volatile storage element such as an SSD (Solid State Drive) or a hard disk drive, a memory 103 composed of a volatile storage element such as a RAM, and a storage device 101. The program 102 is executed by reading it into the memory 103 to perform overall control of the device itself, and is connected to a calculation device 104 such as a CPU that performs various determinations, calculations and control processes, and a network 10 to perform communication processing with other devices. It is equipped with a communication device 105.

In the storage device 101, in addition to the program 102 for implementing the functions required as the biometric information utilization management system 100 of the present embodiment, the user information table 125, the biometric information table 126, the sensor information table 127, and the disease. -At least the symptom unit price table 128 and the coefficient table 129 are stored. Details of these tables will be described later.

--- Data structure example ---
Subsequently, the tables used by the biometric information utilization management system 100 of the present embodiment will be described. FIG. 3 shows an example of the user information table 125 in this embodiment.

The user information table 125 of the present embodiment is a table that stores the information of each of the above-mentioned contractors. The data structure includes data such as gender, age, blood type, occupation type, residential area, exercise frequency, medical history, and sensor ID of the wearable sensor 200 to be worn, using the contractor ID that uniquely identifies the contractor as a key. It is a collection of records consisting of.

Further, FIG. 4 is a diagram showing a data configuration example of the biological information table 126 of the present embodiment. The biometric information table 126 of the present embodiment is a table accumulating biometric information observed by the wearable sensor 200 of the contractor defined in the user information table 125 described above.

The data structure is a collection of records consisting of data such as the type of biometric information, the observation date / time (wearing date / time), the biometric information, and the sensor ID of the wearable sensor 200 of the observation subject, using the above-mentioned contractor ID as a key. be.

Further, FIG. 5 is a diagram showing a data configuration example of the sensor information table 127 of the present embodiment. The present embodiment sensor information table 127 is a table that stores the information of the wearable sensor 200 described above.

The data structure is a record consisting of data such as the sensor name of the wearable sensor 200, the type of observable biometric information, and the contractor ID of the wearer of the wearable sensor 200, using the sensor ID of the wearable sensor 200 as a key. Is a collection of.

Further, FIG. 6 is a diagram showing a data configuration example of the disease / symptom unit price table 128 of the present embodiment. The disease / symptom unit price table 128 of the present embodiment is a table that stores the value information of biometric information corresponding to the symptom of each disease.

The data structure is a collection of records consisting of data such as the type of biometric information corresponding to the symptom and the unit price indicating the value of the biometric information, with the disease and its symptom as the key. This unit price is defined for the unit amount of biometric information, and a higher value is set for biometric information having a higher probability of illness or its symptom. The unit amount of biological information can be assumed to be related to the number of information and the wearing time of the wearable sensor 200, but here, as an example, the wearing time is assumed and illustrated.

Further, FIG. 7 is a diagram showing a data configuration example of the coefficient table 129 of the present embodiment. The coefficient table 129 of the present embodiment is a table that stores a coefficient according to the suitability of the observation time predetermined for each type of biometric information and a coefficient according to the population size of the biometric information.

These coefficients are multiplication values in the formulas for calculating operational consideration and data usage fees, which will be described later. That is, the coefficient according to the suitability of the observation time is a coefficient that acts in the direction of increasing the value of the biometric information depending on the observation time, and the coefficient according to the population size of the biometric information is in the biometric information table 126 of the storage device 101. When the total number of biometric information to be managed, that is, the population size, is a sufficient size for big data analysis, etc., it is a coefficient that acts in the direction of increasing the value of the biometric information extracted and used from the population size. ..

The data structure is a collection of records consisting of an item that defines the breakdown of the coefficient with the type of the coefficient as a key, and a coefficient value under the condition of the item.

As illustrated in FIG. 7, the contents of the above-mentioned coefficients include time zones such as midnight, early morning, noon, and evening, days of the week such as weekdays and weekends and holidays, and months according to seasons such as spring, summer, autumn, and winter. It is possible to assume a coefficient value set at a time when it is easy to obtain biometric information that is highly probable for each disease (which may include the concept of symptoms). Further, it is possible to assume a coefficient value in which the population size of the biometric information increases according to the size of the number of biometric information providers such as 100,000 or more and 1 million or more.

--- Flow example ---
Hereinafter, the actual procedure of the biometric information utilization management method in the present embodiment will be described with reference to the figure. Various operations corresponding to the biometric information utilization management method described below are realized by a program read and executed by the biometric information utilization management system 100 in a memory or the like. The program is composed of codes for performing various operations described below.

FIG. 8 is a diagram showing a flow example of the biological information utilization management method in the present embodiment. At the start of this flow, it is assumed that the above-mentioned contractor has already concluded a biometric information consignment contract with the insurance agency as a biometric information provider. In addition, it is assumed that this insurance agency has already concluded a usage contract with a life insurance company that wants to use biometric information regarding services that provide biometric information or its analysis results.

Under the circumstances where a predetermined contract has been concluded between these stakeholders, the above-mentioned insurance agent provides the wearable sensor 200 to the contractor who is the provider of biometric information, and requests the contractor to wear the wearable sensor 200. ..

Further, the person in charge of the insurance agency operates the insurance company terminal 500 to obtain sensor information including the sensor ID of the wearable sensor 200 and user information including the contractor ID of the above-mentioned contractor who is the wearer of the wearable sensor 200. Is linked and registered in the biometric information utilization management system 100. By this registration operation, the record corresponding to the contractor is registered in the user information table 125, and the record corresponding to the sensor is registered in the sensor information table 127.

Therefore, among the policyholders who purchased the insurance products at the above-mentioned insurance agency, the above-mentioned records are sequentially registered for the person who has signed the biometric information consignment contract and the wearable sensor 200 worn by the person, and the user information. A table 125 and a sensor information table 127 are formed.

On the other hand, the above-mentioned contractor wears the wearable sensor 200 and spends his / her daily life. At that time, the wearable sensor 200 outputs biometric information that has not been transmitted by that time at any time or at predetermined time intervals. This biometric information is distributed to the biometric information utilization management system 100 via a user terminal 300 (which is carried by the contractor) which is communicably connected to the wearable sensor 200 by short-range wireless communication or the like.

The delivered biometric information is accompanied by the sensor ID of the wearable sensor 200, the contractor ID of the contractor who is the owner of the user terminal 300, and the observation date and time (the time zone in which the biometric information group to be delivered is observed). It is assumed that it is.

The biometric information utilization management system 100 in the above situation receives the biometric information observed by the wearable sensor 200 and its incidental information from the above-mentioned user terminal 300, and stores this in the biometric information table 126 (s100).

At this time, the biometric information utilization management system 100 executes a search in the sensor information table 127 using the sensor ID attached to the biometric information as a key, identifies the value of the type of biometric information, and stores the value as well. It shall be.

If the above-mentioned biometric information includes predetermined personal information (eg, contractor's name, detailed address, contact information such as telephone number, etc.), the biometric information utilization management system 100 deletes or deletes the personal information. By performing a predetermined conversion (eg, replacing with a meaningless predetermined value), the biometric information may be anonymized and the anonymized biometric information may be stored in the biometric information table 126.

Subsequently, the biometric information utilization management system 100 extracts, for example, a predetermined day's worth of records for each biometric information provider (contractor) in the biometric information table 126, and the observation date and time included in each of the records. The bands are classified by item in the coefficient table 129 (eg, by time zone, day of the week, and month), aggregated by the above items for each provider, and the provision time of biometric information for each item (example: by time zone, day of the week, and month). (Daily) is specified for each provider (s101).
Next, the biometric information utilization management system 100 calculates the sensor unit price for the wearable sensor 200 worn by each of the above-mentioned providers (s102).

Specifically, first, the biometric information utilization management system 100 specifies the type of biometric information (eg, blood glucose level) observable by each of the wearable sensors 200 in the sensor information table 127 (or in the biometric information table 126). May be). Next, the biometric information utilization management system 100 searches the disease / symptom unit price table 128 using the specified type of biometric information as a key, and the unit price of the disease and its symptoms (eg, change in blood glucose level in diabetes) (eg 0). .1 yen / hour. Symptom unit price) is specified. Further, the biometric information utilization management system 100 sets the symptom unit price specified here as an aggregated value (eg, 10 hours) of the observation date and time of each provider who was wearing the above-mentioned wearable sensor 200 on the corresponding day. The sensor unit price of the wearable sensor 200 (eg, 0.1 yen × 10 = 1 yen) is calculated by multiplying the amount of biometric information observed by the wearable sensor 200). This sensor unit price is, for example, a unit price per hour.

Subsequently, the biometric information utilization management system 100 transmits a notification regarding sensor unit price reduction (see screen 900 in FIG. 9) including the above-mentioned sensor unit price information to the agency terminal 400 (s103). This corresponds to a procedure in which the operating organization of the biometric information utilization management system 100 returns profits to an insurance agency using the data usage fee collected later from the insurance company as a source of funds. Therefore, with the notification in s103, the biometric information utilization management system 100 either performs a remittance process using a predetermined net banking service or a process of reducing the usage fee of the biometric information utilization management system 100 by the sensor unit price. To execute.
Next, the biometric information utilization management system 100 calculates the operational consideration for biometric information to be returned to each of the above-mentioned providers (s104).

Specifically, the biometric information utilization management system 100 first uses the coefficient table 129 to calculate the coefficient values for each item related to the disease (eg, diabetes) specified from the disease / symptom unit price table 128 in the sensor unit price calculation of s102. Search for.

In addition, the biometric information utilization management system 100 includes items corresponding to the coefficient values specified here (eg, "early morning", "morning", "daytime", "nighttime", which are installed for "diabetes"). Is multiplied by the value of the corresponding item in the provision time (daily) of the biometric information for each item specified for each provider in s101 (example: "1.3" in "1 hour" of "early morning"). , "1.6" for "2 hours" in "morning", "1.1" for "3 hours" in "daytime", and "1.4" for "3 hours" in "night". Multiply). That is, among the wearing time zones of the wearable sensor 200 by the corresponding provider on the relevant day, weighting is performed for the time suitable for predicting the occurrence of the disease to be observed by the wearable sensor 200.

In addition, the biometric information utilization management system 100 aggregates the biometric information provision time (daily) for each of the above items after performing the above weighting, and calculates the total value of the provision time by the provider. Therefore, the biometric information utilization management system 100 calculates the operational consideration by multiplying the total value of the provision time in consideration of such weighting by the sensor unit price of the wearable sensor 200 worn by the provider.

Subsequently, the biometric information utilization management system 100 transmits a notification regarding the return of the operational consideration (see screen 1000 of FIG. 10) including the information of the operational consideration calculated in s104 to the agency terminal 400 (s105). This corresponds to a procedure in which the operating organization of the biometric information utilization management system 100 returns profits to the provider of biometric information by using the data usage fee collected later from the insurance company as a source of funds. With the notification in s105, the biometric information utilization management system 100 either performs a remittance process using a predetermined net banking service or a process of reducing the usage fee of the biometric information utilization management system 100 by the amount of the operation consideration. Run.

In addition, the agency terminal 400 that has received this shall transmit a notification regarding the return of the operational consideration (see screen 1100 of FIG. 11) including the information of the operational consideration to the user terminal 300 of the provider. This corresponds to the procedure performed by the insurance agent in accordance with the above-mentioned consignment contract with the provider, that is, the policyholder. The intention is to pay the contractor the price according to the provision of biometric information. Along with such notification, the agency terminal 400 may be used for remittance processing using a predetermined net banking service, or the insurance fee of the provider, that is, the policyholder (insurance product contracted by the policyholder at the insurance agency). ) Is reduced by the amount of the operation consideration.

Next, the biometric information utilization management system 100 extracts each record from the user information table 125 and the biometric information table 126 in response to a request from the insurance company terminal 500, and gives these as inputs to a predetermined artificial intelligence system. So, for example, the type and value of biometric information and the attributes of the contractor (user information) that are estimated to have a causal relationship with the high risk of occurrence of a certain disease (corresponding to the value in the "medical history" column of the user information table 125). The "gender", "age", "blood type", "living area", "exercise frequency") of the table 125 are specified (s106).

Prior to this process, each record of the biometric information table 126 has been anonymized in advance, so that personal information is not included as an attribute of the specified contractor. Further, as the artificial intelligence system, an existing one may be appropriately adopted, and the type, algorithm, form of output result, etc. are not limited.
Subsequently, the biometric information utilization management system 100 calculates a data utilization fee for the biometric information processed in s106 (s107).
Specifically, the biometric information utilization management system 100 specifies the symptom unit price according to the type of biometric information to be processed in the disease / symptom unit price table 128.

Further, the biometric information utilization management system 100 calculates the wearing time of the wearable sensor 200 of the biometric information provider in the same manner as in s104 (in charge of each item related to the disease specified from the disease / symptom unit price table 128). Specify the numerical value, and among the relevant coefficient values, the corresponding items (eg, "early morning", "morning", "daytime", "night", which are set for "diabetes") are classified by item related to the relevant provider. Multiply the value of the corresponding item in the provision time (daily) of the biometric information of, and total them).

Further, the biometric information utilization management system 100 counts the population size of the biometric information to be processed as the total number of records in the biometric information table 126 (example: 1.1 million cases), and this is counted as the coefficient type "of the coefficient table 129". By collating with the record of "population size", the coefficient corresponding to the disease (eg, "1.3" related to diabetes when the population size is "1 million or more") is specified.

Therefore, the biometric information utilization management system 100 calculates the data usage fee by multiplying the above-mentioned symptom unit price by the above-mentioned wearing time by a coefficient according to the population size of the biometric information to be processed. ..

Further, the biometric information utilization management system 100 transmits the information specified in s106, that is, the analysis result, and the data usage fee information calculated in s107 to the insurance company terminal 500 described above (s108), and ends the process. do. When transmitting this information, the biometric information utilization management system 100 may also transmit the biometric information to be processed by the artificial intelligence system described above. Insurance company personnel will browse the above information (see screen 1200 in FIG. 12) on the insurance company terminal 500 and utilize it for developing new insurance products and reviewing existing insurance products. ..

Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited to this, and various modifications can be made without departing from the gist thereof.

According to the present embodiment, it is possible to appropriately manage and use the biometric information, and to appropriately manage the profit adjustment among stakeholders regarding the provision and use of the biometric information.

The description herein reveals at least the following: That is, in the biometric information utilization management system of the present embodiment, in the arithmetic device, the wearing time of the sensor in the individual indicated by the information of the sensor is defined as the amount of biometric information, and the symptom unit price per unit time is defined as the symptom unit price. The sensor unit price is calculated by multiplying the wearing time, and for the user of the biometric information, the symptom unit price per unit time of the biometric information of the type targeted for use is calculated by the amount of the biometric information targeted for use. The predetermined coefficient regarding the observation time of the biometric information of the type to be used and the predetermined coefficient according to the population size of the biometric information to be used are applied to the value multiplied by the wearing time. It may be said that the data usage fee is calculated.

According to this, each value of the sensor unit price, the operation consideration based on the sensor unit price, and the data usage fee can be efficiently calculated based on the time when each individual wears a sensor such as a wearable device. As a result, the management and use of biometric information can be made appropriate, and the profit adjustment among stakeholders regarding the provision and use of the biometric information can be efficiently managed.

Further, in the biometric information utilization management system of the present embodiment, the arithmetic device receives biometric information observed by the sensor from the sensor or a communication device connected to the sensor, and the predetermined biometric information includes the biometric information. Personal information may be deleted or subjected to predetermined conversion to anonymize the biometric information, and the anonymized biometric information may be stored in a storage device.

According to this, it is possible to anonymize biometric information, which is sensitive information, and facilitate subsequent handling. As a result, it becomes possible to make the management and use of biometric information more appropriate, and to appropriately manage the adjustment of profits among stakeholders regarding the provision and use of the biometric information.

Further, in the biometric information utilization management system of the present embodiment, the arithmetic unit is based on the information of the operation consideration, and the individual who is the target of the return of the operation consideration is the charge of the predetermined product contracted with the user. The process of notifying at least one of the predetermined terminals of the user, the agent of the user, and the individual of the discount suggestion for the operation consideration, and the information of the data usage fee are prescribed by the user. The process of notifying the terminal may be further executed.

According to this, it is possible to assume that the operation consideration according to the provision of the biometric information is used as a source of the charge discount for insurance products and the like for which the charge can be set based on the biometric information. As a result, the management and use of biometric information can be made appropriate, and the adjustment of profits among stakeholders regarding the provision and use of the biometric information can be managed more appropriately.

Further, in the biometric information utilization management method of the present embodiment, the information processing system uses the wearing time of the sensor in the individual as indicated by the information of the sensor as the amount of the biometric information, and the symptom unit price per unit time. The sensor unit price is calculated by multiplying the wearing time, and for the user of the biometric information, the symptom unit price per unit time of the biometric information of the type targeted for use is calculated as the amount of the biometric information targeted for use. To the value multiplied by the wearing time, the predetermined coefficient regarding the observation time of the biometric information of the type to be used and the predetermined coefficient according to the population size of the biometric information to be used are applied. Then, the data usage fee may be calculated.

Further, in the biometric information utilization management method of the present embodiment, the information processing system receives biometric information observed by the sensor from the sensor or a communication device connected to the sensor, and the predetermined biometric information includes the biometric information. The personal information of the above may be deleted or a predetermined conversion may be performed to anonymize the biometric information, and the anonymized biometric information may be stored in the storage device.

Further, in the biometric information utilization management method of the present embodiment, the information processing system is based on the information of the operation consideration, and the individual who is the target of the return of the operation consideration is charged with the predetermined product contracted with the user. The process of notifying at least one of the predetermined terminals of the user, the agent of the user, and the individual of the discount suggestion for the operation consideration, and the information of the data usage fee of the user. The process of notifying the predetermined terminal may be further executed.

10 Network 100 Biometric information utilization management system 101 Storage device 102 Program 103 Memory 104 Computing device 105 Communication device 125 User information table 126 Biometric information table 127 Sensor information table 128 Disease / symptom unit price table 129 Coefficient table 200 Wearable sensor 300 User terminal 400 Proxy Store terminal 500 Insurance company terminal

Claims (8)

A storage device that stores the biometric information of each individual having predetermined attributes and the information of the sensor that observed the biometric information.
For each of the individuals, the symptom unit price predetermined for each type of biometric information is determined based on the type of observable biometric information indicated by the sensor information and the amount of biometric information observed by the sensor. The process of calculating the sensor unit price for the sensor by multiplying the amount of information and the predetermined coefficient for each type of biometric information according to the suitability of the observation time are applied to the sensor unit price of the sensor, and for each of the individuals. The process of calculating the operational consideration of the biometric information to be returned and the symptom unit price of the type of biometric information used for the user of the biometric information are multiplied by the amount of the biometric information targeted for use. The data usage fee is calculated by applying the predetermined coefficient regarding the observation time of the biometric information of the type to be used and the predetermined coefficient according to the population size of the biometric information to be used. The processing to be performed, the arithmetic unit to execute, and
A biometric information utilization management system characterized by being equipped with. The arithmetic unit is
The wearing time of the sensor in the individual indicated by the information of the sensor is taken as the amount of the biometric information, the symptom unit price per unit time is multiplied by the wearing time, the sensor unit price is calculated, and the user of the biometric information is used. With respect to, the symptom unit price per unit time of the biometric information of the type to be used is multiplied by the wearing time, which is the amount of the biometric information to be used, and the type of biometric information to be used. The data usage fee is calculated by applying the predetermined coefficient regarding the observation time of the biological information and the predetermined coefficient according to the population size of the biological information to be used.
The biometric information utilization management system according to claim 1. The arithmetic unit is
The biometric information observed by the sensor is received from the sensor or the communication device connected to the sensor, and the predetermined personal information contained in the biometric information is deleted or converted to anonymize the biometric information. Anonymized biometric information is stored in a storage device.
The biometric information utilization management system according to claim 1. The arithmetic unit is
Based on the information on the investment consideration, the user and the agent of the user are suggested to discount the fee for the predetermined product contracted with the user by the individual who is the target of the return of the investment consideration. , And the process of notifying at least one of the predetermined terminals of the individual,
The process of notifying the user's predetermined terminal of the data usage fee information, and
The biometric information utilization management system according to claim 1, wherein the biometric information utilization management system is further executed. An information processing system including a storage device that stores biometric information of each individual having predetermined attributes and information of a sensor that observes the biometric information.
For each of the individuals, based on the type of observable biometric information indicated by the sensor information and the amount of biometric information observed by the sensor, the symptom unit price predetermined for each type of biometric information is set to the biological body. The process of multiplying the amount of information to calculate the sensor unit price for the sensor,
A process of applying a predetermined coefficient for each type of biometric information according to the suitability of the observation time to the sensor unit price of the sensor and calculating the operational consideration of the biometric information to be returned to each individual.
For the user of the biometric information, the symptom unit price of the biometric information of the type to be used is multiplied by the amount of the biometric information to be used, and the biometric information of the type of biometric information to be used is used. The process of calculating the data usage fee by applying the predetermined coefficient regarding the observation time and the predetermined coefficient according to the population size of the biometric information to be used.
A biometric information utilization management method characterized by executing. The information processing system
The wearing time of the sensor in the individual indicated by the information of the sensor is taken as the amount of the biometric information, the symptom unit price per unit time is multiplied by the wearing time, the sensor unit price is calculated, and the user of the biometric information is used. With respect to, the symptom unit price per unit time of the biometric information of the type to be used is multiplied by the wearing time, which is the amount of the biometric information to be used, and the type of biometric information to be used. The data usage fee is calculated by applying the predetermined coefficient regarding the observation time of the biological information and the predetermined coefficient according to the population size of the biological information to be used.
The biometric information utilization management method according to claim 5. The information processing system
The biometric information observed by the sensor is received from the sensor or the communication device connected to the sensor, and the predetermined personal information contained in the biometric information is deleted or converted to anonymize the biometric information. Store anonymized biometric information in storage,
The biometric information utilization management method according to claim 5. The information processing system
Based on the information on the investment consideration, the user and the agent of the user are suggested to discount the fee for the predetermined product contracted with the user by the individual who is the target of the return of the investment consideration. , And the process of notifying at least one of the predetermined terminals of the individual,
The process of notifying the user's predetermined terminal of the data usage fee information, and
The biometric information utilization management method according to claim 5, further comprising the above.

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