JP2005202901A - Method for managing personal information, method for managing health, health management system, method for managing financial asset, and financial asset management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a health management system that digitizes risks that could lead an individual to a disease, based on health related data and disease related data, on the premise of protecting personal data. <P>SOLUTION: A medical institution 10 has an electronic medical chart system 11 and a database 12. A medical examination center 20 has a health information terminal 21 and a database 22. A data center 30 has a health information database 31. The databases 12, 22 and the health information database are connected online to the health information database via anonymizing/data extraction devices 13, 23. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

The present invention relates to a personal information management method, a health management method to which the personal information management method is applied, a health management system, a financial asset management method, and a financial asset management system.

  2. Description of the Related Art Conventionally, simulations have been performed for predicting changes of data (information) accumulated in a database from statistical trends and calculations based on trends related to events and time-series changes of individual data. However, when personal data is stored in a database and used by data processing such as statistical analysis, management such as leakage of personal data or protection of personal information so that the individual cannot be identified from the data is necessary.

  In order to protect personal information, a data manager is provided to restrict access to data, and connection to a computer network is restricted to prevent data leakage.

  In addition, to protect personal information, a new code is added to the personal data so that the individual cannot be identified, and at the same time, the correspondence table is discarded so that the personal name cannot be matched with the newly added code. Has been done. This is called unconnected anonymization of personal information. Since an unconnected database cannot identify an individual from data, restrictions on access to the data and connection to the network can be relaxed.

  When such information (data) is decoupled, it is impossible to search from the code to an individual, and personal data is protected, but personal information data cannot be stored in time series. . Also, it becomes impossible to change or add individual data.

  As a health management system, a health management system that outputs information useful for maintaining the health of a user based on medical data on clinical information such as personal examination data is known.

However, in the case of the conventional health management system, the health condition of the user at the time of examination is effectively presented, and the risk of becoming a future disease has not been estimated. In addition, if the personal name is decoupled from clinical information, etc., it will not be possible to search from the code to the individual, and while personal data will be protected, it will not be possible to accumulate personal information data in chronological order. Become. Also, it becomes impossible to change or add individual data.
JP 2000-116607 A

  An object of the present invention is to provide a personal information management method capable of accumulating personal information data in time series and changing or adding individual data even when the personal information data is disconnected.

  The present invention also provides means for an individual to safely browse, search, change or add data to a personal information database via the Internet.

  Also, based on health-related test values, lifestyle data, laboratory test values such as health-related data and disease-related data, the risk of becoming a person's disease is quantified, assuming personal data protection, The purpose is to provide a health management method and a health management system.

  It also aims to derive effective asset management methods and individual asset risks from financial asset data such as personal deposits, liabilities, and insurance.

  In order to achieve the above object, the invention according to claim 1 is a personal information management method for storing a personal data with a code corresponding to a personal name in a database and then discarding a correspondence table between the personal name and the code. When there is a change or addition to the data in the personal database, a new code corresponding to the personal name is assigned to all the data related to the individual or all the data related to the individual. The personal information management method is characterized by discarding a correspondence table between personal names and new codes.

  Personal data can be made compatible with encryption that only the person can possess, or can be made compatible with biometric authentication. In addition, personal names may be stored in the database.

  The invention according to claim 2 is the personal information management method in which the personal information with the code corresponding to the personal name is stored in the database, and then the correspondence table between the personal name and the code is discarded. Then, the personal information management method is characterized in that a new code corresponding to the personal name is attached to all information relating to the individual, and the correspondence table between the personal name and the new code is discarded.

  According to a third aspect of the present invention, there is provided a personal information management method in which an individual's data with a code corresponding to a personal name is stored in a database, and then a correspondence table of personal names and codes is discarded. In the personal information management method, an IC card connected to a code corresponding to the personal name is provided to the individual when searching, changing, or appending.

  The IC card protects personal data by not including any data that can identify an individual. For this purpose, for example, a random selection of an encryption table can be cited. Also, the correspondence table between personal names and codes is discarded, but the specific data of the personal information data encoded from the IC card can be obtained by having the code in the IC card and making a one-to-one correspondence with the individual to use. Can be accessed.

  In order to access specific data of personal information data encoded from the IC card, it is effective to perform authentication using biometric authentication to confirm that the owner of the IC card matches the individual.

According to a fourth aspect of the present invention, in the personal information management method according to the first, second, or third aspect, the change of the code corresponding to the personal name provided to the individual is automatically or manually associated with the code before the change. This is a characteristic personal information management method.

The invention according to claim 5 is the personal information management method according to claim 3, wherein, when authenticating that the owner of the IC card linked to the code corresponding to the personal name provided to the individual is the same as the individual, the fingerprint is used. The personal information management method is characterized in that authentication is performed by a biometric authentication method based on a finger vein shape, facial features, and the like.

The invention according to claim 6 is the personal information management method according to claim 3 or 5, wherein when the database is accessed from the terminal using an IC card connected to a code corresponding to the personal name provided to the individual, the network of the terminal The personal information management method is characterized in that authentication of a terminal to be used is performed by a hardware address (MAC address) set for identifying a host.

  The invention according to claim 7 is a health management method for storing a plurality of data relating to an individual's health in a database and collating the data with disease-related data to quantify the risk of becoming an individual's disease. A health management method characterized by using the personal information management method according to claim 1, 2 or 3 when storing a plurality of data relating to personal health in a database.

  Health-related data include health checkup values such as height, weight, body temperature, blood pressure, pulse rate, visual acuity, and physical fitness measurements, changes over time, lifestyle and family history, past illness development and healing status, etc. Is included. Furthermore, it includes personal genetic information and in vivo proteome information.

  The disease-related data is separately constructed from information related to diseases accumulated in past medical institutions, literature information, and the like, and records correlations between data on diseases and clinical symptoms and health information. It is preferable that the disease-related data is constantly updated with new data because the accuracy of the risk of becoming a disease is improved.

  The risk calculation system in the present invention is to quantify the risk of becoming an individual disease by collating a plurality of data related to individual health in a health information database with disease related data in a disease related database. .

  Here, the disease does not only indicate so-called diseases such as cancer and diabetes, but also indicates physical characteristics that impair health such as obesity. In addition, the risk of becoming a disease indicates a risk of becoming a specific disease in a certain period of time, a period with the highest risk until becoming the disease, and the like.

  In order to effectively perform health management, it is also effective to weight health management as a quantified risk. The weighting of health care is to quantify the importance of health care based on the risk of becoming a disease and the severity of the disease.

  Further, the data relating to health may be secondary data obtained by data mining a plurality of primary data relating to personal health.

  As the data mining process, a two-group statistical analysis process for finding a factor that is a factor that divides each group into two groups of a disease-related database and a group that does not affect the disease is employed. Specifically, using statistical methods such as Principal Component Analysis (PCA), Support Vector Machine (SVM), and Fuzzy Neural Network (FNN), factors that can be divided into two groups, those related to various diseases and those not related to the disease, have been derived. And secondary data.

  Furthermore, the risk of becoming an individual's disease can be quantified by pointing the ratio of each individual having this factor from a plurality of data relating to the person's health and collating it with the data in the disease-related database.

  In the health management system of the present invention, the risk of becoming a person's disease and the result of weighting of health management can be graphed and displayed on a display device, or the data can be visualized when printed out on a recording paper or the like with a printer, Information can be transmitted effectively.

  According to the eighth aspect of the present invention, in order to consolidate data processing, a location where a plurality of data related to individual health is measured and a data center are connected by a network, and the location related to personal health is measured from the location where the data is measured. The personal information management method according to claim 1, 2, 3, or 4 is used as a health management method for collecting data in a data center and quantifying a risk of becoming a personal disease in the data center. It is a health care method.

  Locations where personal health data are measured include medical institutions such as clinics and hospitals, medical checkup centers, personal residences, nursing homes, public health centers, etc. Etc.

  The data center in the present invention is an institution that quantifies the risk of becoming an individual's illness. In order to efficiently quantify the risk of becoming an individual's illness, a health management system is built in. It is preferable to provide a personal computer.

  The network indicates an organization between a registered institution or member and a data center, and the use of the Internet or the like is preferable in terms of convenience and speed of data transmission / reception. At that time, it is preferable to encrypt personal data in order to maintain confidentiality. In addition, it is not always necessary to exchange data between networks, and a method in which data is recorded on a storage medium such as a floppy disk or a compact disk may be transported by mail or the like.

  According to the ninth aspect of the present invention, a plurality of individual health data, a health information database for accumulating clinical information and examination data in a hospital, a disease-related database, and a plurality of individual health data and disease-related data are used. And a risk calculation system that quantifies the risk that can be expressed, and a coding device that attaches codes corresponding to personal names to a plurality of individual health data is connected to the health information database. Health management system.

  The invention according to claim 10 accumulates a plurality of data related to personal financial credit information and asset information in a database, and analyzes the data to quantify risks related to personal finance and assets for efficient operation. A method for managing financial assets, characterized in that the personal information management method according to claim 1, 2, 3 or 4 is used when storing a plurality of said data related to personal financial credit information and asset information in a database. This is a financial asset management method.

  According to the eleventh aspect of the present invention, a portion that collects a plurality of data related to personal financial credit information and asset information and a data center are connected by a network, and data related to personal financial credit information and asset information is collected from the location where the data is collected. The personal information management method according to claim 1, 2, 3, or 4 is used as a financial asset management method that integrates data into a data center, quantifies the risks related to personal finance and assets in the data center, and operates efficiently. This is a method for managing financial assets.

  The invention described in claim 12 has a financial asset database that accumulates data related to a plurality of individual financial credit information and asset information, and a risk calculation system that quantifies risks related to individual financial and assets and performs efficient operations. A financial asset management system, characterized in that an encoding device for attaching a code corresponding to a personal name to a plurality of individual financial credit information and asset information data is connected to the financial credit information and asset information database It is.

  Examples of financial assets include life insurance, medical insurance, accident insurance, deposits and savings, stock certificates, receivables, liabilities, etc., to which individuals belong.

  By the encoding device, a new code corresponding to the personal name can be attached to all information related to the individual at the time of data change, addition, or time determined as necessary.

  According to the personal information management method of the present invention, when data in a personal database is changed or added, or when a predetermined period has elapsed, a new code corresponding to the personal name is added to all data related to the individual. In addition, since the correspondence table between personal names and codes is discarded, personal data can be reliably protected.

  In addition, since personal data can be accessed by authentication using an IC card, personal data can be protected, and simulations for predicting changes from personal data trends and data time-series changes can be performed.

  According to the health management method of the present invention, personal data can be protected, and a plurality of data related to personal health can be safely stored in a database. As a result, it is possible to consolidate personal data while protecting it without limiting personal health data to specific medical institutions, etc., and a plurality of aggregated personal health data and disease-related data Can be quantified as a risk of becoming an individual's disease. That is, medical treatment based on certain data (EBM: Evidence-based Medicine) becomes possible. Moreover, accurate information for health management, health care, and treatment for each individual can be obtained due to the quantified risk of becoming a disease. In addition, by networking, data can be exchanged reliably and efficiently, and data can be collected, processed, and transmitted efficiently at the data center.

  According to the health management system of the present invention, a lot of data can be stored in the health information database and the disease-related database. Moreover, the risk which can become an individual disease can be calculated from the data of each database with a risk calculation system. In other words, according to the configuration of the present invention, by inputting data, it is possible to automatically calculate the risk of becoming an individual disease, and therefore accurately and efficiently for individual health management, health care, and treatment. Accurate information can be obtained. In addition, since the network is connected, data can be exchanged reliably and efficiently, and data can be collected, processed, and transmitted efficiently in the health management system. Furthermore, since data related to personal health can be encoded, personal data can be efficiently protected.

  According to the financial asset management method and financial asset management system of the present invention, it is possible to accumulate a large amount of data in a personal financial asset information database, and to quantify individual risks by performing statistical analysis on the data. Is possible. It is also possible to create an optimal asset management method (portfolio) for each individual. Furthermore, since personal data is encoded and the correspondence table between personal names and codes is discarded, personal data can be protected efficiently.

When a change or addition is made to data in a personal database or when a predetermined period has elapsed, a new code corresponding to the personal name is attached to all information related to the individual, and the correspondence table between the personal name and the new code Discard. In addition, by collating a plurality of data related to an individual's health with disease-related data, it is possible to quantify the risk of becoming an individual's disease.
Further, by performing statistical analysis on the financial asset information accumulated in the personal financial asset database, it is possible to derive an optimal management method and asset risk for the personal financial asset.

Hereinafter, embodiments of the present invention will be described based on examples with reference to the drawings.
FIG. 1 shows an embodiment of the personal information management method of the present invention, FIG. 2 is a flowchart of personal data encoding, FIG. 3 is a configuration diagram of a health management system, and FIG. 4 is a configuration diagram of a financial asset management system. .

  In FIG. 1, 10 indicates a medical institution, 20 indicates a medical examination center, and 30 indicates a data center. The medical institution 10 is provided with an electronic medical record system 11 and a database 12, and the examination center 20 is provided with a health information terminal 21 and a database 22. The data center 30 is provided with a health information database 31. Further, the databases 12 and 22 and the health information database 31 are connected to the health information database online via the anonymization / data extraction devices 13 and 23. Data relating to health obtained by the plurality of medical institutions 10 and the examination center 20 is accumulated in the databases 12 and 22. These data are anonymized (encoded) by the anonymization / data extraction devices 13 and 23 and sent to the health information database 31. Conversely, if the individual is authenticated, the individual data is extracted from the health information database 31 and sent to the medical institution 10 or the medical examination center 20.

  Specifically, in the medical institution 10, the patient receives medical care, and a plurality of data relating to the individual patient's health and disease-related data are recorded by the doctor in a known method such as a keyboard in the electronic medical record system 11 and stored in the database 12. Then, it is converted into appropriate data by the transmission data creation program and transmitted to the data center 30 via the Internet or the like.

  Here, a medical institution that does not have an electronic medical record system can write data in spreadsheet software or the like, convert the data into appropriate data using a transmission data creation program, and transmit the data to the data center 30 via the Internet or the like. At this time, if a data writing format is input in advance into spreadsheet software or the like, data can be written easily and appropriately.

  In the medical institution 10, when a patient is examined, the data center 30 is accessed, and if an individual is authenticated, the medical institution 10 can receive data such as a medical examination result. Diagnosis can be made with reference to a lot of data about the patient.

  Similarly, at the examination center 20, a plurality of data relating to individual health and disease-related data are recorded in the health information terminal 21 and accumulated in the database 22. Further, it is converted into appropriate data by a transmission data creation program and transmitted to the management center 30 via the Internet or the like. In addition, if an individual is authenticated, data such as examination results in other medical institutions can be transmitted from the data center 30.

  The personal information management method of the present invention will be described with reference to FIG. When an individual (patient) 40 visits the medical institution 10, the medical institution 10 executes an initial check step 50. In the case of the first visit, an ID number issuing step 41 is executed for the individual 40, and an ID registration step 60 is executed in the data center 30.

  Subsequent to the ID number issuing step 41 for the individual 40, a biometric information registration step 42 is executed, and an IC card issuing step is executed based on the ID number and the biometric information, and the ID number is randomly determined from the random number table. An IC card is issued to the individual 40.

  In the medical institution 10, if it is determined that the reexamination is performed in the initial examination check step 50, the ID number changing step 51 is executed, and the existing data ID number updating step 61 is executed in the data center 30 so that all data for the individual is new. An ID number is assigned. Subsequently, an authentication step 52 using an IC card and a living body is executed, a medical examination is performed, and an examination data creation step 53 is executed. The examination data is given a sign in the anonymization step 54, the data addition step 62 is executed, and the data is stored in the health information database 31 of the data center 30. At this time, a correspondence table between the personal name and the new code is created, and the correspondence table is discarded. Also, when a predetermined period elapses, a correspondence table between personal names and new codes is created and the correspondence table is discarded.

  When the authentication step 63 using the IC card and the biometric is executed for the individual 40, the individual 40 can call the data stored corresponding to the individual by the data reference step 44, and the data trend and data Enables simulations to predict changes in health status from time series changes

  FIG. 3 shows a health management system provided in the data center 30. The health management system includes a health information database 31, a disease-related database 32, a risk calculation system 33, a risk information database 34, and an encoding device 35.

  In the data center 30, a plurality of collected data relating to individual health is signed by a coding device and recorded in the health information database 31 as primary data for each individual. Also, secondary data obtained by subjecting the primary data to data mining is also signed and recorded in the health information database 31 for each individual. The disease related data is recorded in the disease related database 32.

  As the data mining process, a two-group statistical analysis process for finding a factor that is a factor for separating each group from data related to the disease-related database 32 is adopted. Specifically, using statistical methods such as Principal Component Analysis (PCA), Support Vector Machine (SVM), and Fuzzy Neural Network (FNN), factors that can be divided into two groups, those related to various diseases and those not related to the disease, have been derived. And secondary data.

  Further, from the plurality of data related to the person's health, the ratio of each individual having this factor is pointed and collated with the data in the disease-related database 32, whereby the risk of becoming an individual's disease is quantified.

  By comparing the primary and secondary data of the health information database 31 with the data in the disease-related database 32, the risk calculation system 33 quantifies the risk of becoming an individual disease. Also, weighting for health care is performed.

  The risk of becoming an individual illness and the weight of health care are recorded and accumulated in the risk information database 34. Here, in the risk information database 34, it is effective not only to store individual data but also to store statistically processed data. Data stored in the risk information database 34 can promptly respond to data requests from users. At this time, all the data related to the individual is attached with a sign, and the correspondence table with the individual name is discarded.

  In FIG. 4, 70 is a bank, 80 is an insurance company, and 90 is a data center. The bank 70 is provided with a deposit / liability information system 71 and a database 72, and the insurance company 80 is provided with a health information system 81 and a database 82. The databases 72 and 82 and the financial asset information database 91 are connected to the financial asset information database 91 online via anonymization / data extraction devices 73 and 83. Data on the financial assets obtained by the plurality of financial institutions 70 and 80 is accumulated in the databases 72 and 82 via the anonymization / data extraction devices 73 and 83. These data are anonymized (encoded) and sent to the financial asset information database 91. At that time, the correspondence table between personal names and codes is discarded. In addition, an IC card for identifying an individual is issued. Conversely, if the individual is authenticated, the individual data is extracted from the financial asset information database 91 and sent to the bank 70 and the insurance company 80.

Specifically, when a customer performs an act such as depositing or withdrawing an asset in the bank 70, the asset status at that time is recorded in the deposit and liability information system 71 based on the record, and stored in the database 72. The data is stored, converted into appropriate data by a transmission data creation program, and transmitted to the data center 90 via the Internet or the like. At this time, a new code is assigned to all data.

  Similarly, in the insurance company 80, a plurality of data relating to individual insurance assets are recorded in the insurance information system 81 and stored in the database 82. Further, the data is converted into appropriate data by a transmission data creation program and transmitted to the data center 90 via the Internet or the like. If the individual is authenticated, the data center 90 can receive data such as insurance information in other financial institutions.

  Although the embodiments of the present invention have been described with reference to the drawings, the specific configuration of the present invention is not limited to these embodiments, and the present invention can be changed even if there is a design change or the like without departing from the gist of the present invention. include.

  For example, the health information database 31, the disease-related database 32, the risk calculation system 33, and the risk information database 34 may be configured as separate devices, or may be configured as one device. In addition, for example, a doctor obtains data related to a person's accumulated health from a health information database 31 and disease-related data from a disease-related database 32 by an IC card and biometric authentication at the request of the individual. The risk of becoming an individual disease may be quantified or weighted for health care.

  It is also effective to connect a display terminal or a printer to the risk information database 34 and display the risk of becoming a disease and the weight of health care in an easy-to-understand manner using a chart or the like.

  According to the personal information management method of the present invention, data stored in the database is protected by statistical processing and calculation while protecting personal data (information) without requiring special management, and the trend and individual It is possible to perform a simulation for predicting a change from a time series change of data.

  Even when information (data) is disconnected, it is possible to search for individuals using an IC card, etc., personal data can be protected, and personal information data can be stored in time series. . It is also possible to change or add individual data from the data center or individuals via the Internet.

In addition, according to the health management method of the present invention, it is possible to calculate the risk of becoming a future disease from protected personal health-related data. In addition, since the data so far can be referred to in a time series and the risk of becoming a disease and weighting of health management can be performed, effective health maintenance and disease prevention measures can be performed. In addition, medical institutions and the like can realize early detection of diseases with reference to individual data. As a result, it is possible for each individual to minimize medical expenses and for health insurance associations and companies to minimize spending on health insurance. Furthermore, according to the health management system of the present invention, personal encoding can be performed efficiently.

  Further, according to the financial asset management method of the present invention, it is possible to derive an effective calculation method for an individual by statistically analyzing the protected personal financial asset data. It is also possible to calculate individual asset risks.

  Furthermore, according to the financial asset management system of the present invention, personal encoding can be performed efficiently.

It is a system diagram which shows the Example of the personal information management method of this invention. It is a flowchart which shows the personal information management method of this invention in a medical institution. It is a block diagram which shows the health management system of this invention. It is a system diagram which shows the Example of the financial asset management method of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Medical institution 11 Electronic medical record 12 Database 13 Anonymization, data extraction device 20 Examination center 21 Health information terminal 22 Database 23 Anonymization, data extraction device 30 Data center 31 Health information database 32 Disease related database 33 Risk calculation system 35 Coding device 40 individuals 70 banks 71 deposit and liability information management system 72 database 73 anonymization and data extraction device 80 insurance company 81 insurance information system 82 database 83 anonymization and data extraction device 90 data center 91 financial asset information database

Claims (12)

  In the personal information management method of discarding the correspondence table between personal names and codes after storing the personal data with a code corresponding to the personal name in the database, the data of the personal database was changed or added In this case, a new code corresponding to the personal name is attached to all the data related to the individual or all the data related to the individual, and a correspondence table between the personal name and the new code is provided. A personal information management method characterized by discarding.   In the personal information management method that stores the personal data with a code corresponding to the personal name in the database and then discards the correspondence table between the personal name and the code, all personal data or changes after a predetermined period Personal information characterized by adding a new code corresponding to the personal name to all data related to the personal data that has been added and discarding the correspondence table between the personal name and the new code Management method.   In the personal information management method of storing the personal data with a code corresponding to the personal name in the database and then discarding the correspondence table between the personal name and the code, the individual accesses the database and searches, changes, and appends. When performing, a personal information management method characterized in that an IC card connected to a code corresponding to a personal name is provided to the individual.   4. The personal information management method according to claim 1, wherein the change of the code corresponding to the personal name provided to the individual is automatically or manually associated with the code before the change. 4. The personal information management method according to claim 3, wherein when authenticating that the owner of the IC card connected to the code corresponding to the personal name provided to the individual is the same as the individual, the fingerprint, the shape of the finger vein, the face A personal information management method, wherein authentication is performed by a biometric authentication method based on the characteristics of the personal information. The personal information management method according to claim 3 or 5, wherein when a database is accessed from a terminal using an IC card linked to a code corresponding to a personal name provided to the individual, authentication of the terminal to be used is performed using the MAC address of the terminal. The personal information management method characterized by performing.   A health management method that quantifies the risk of individual illness by accumulating multiple data related to individual health, clinical information and laboratory data in hospitals, and collating the data with disease-related data. A health management method using the personal information management method according to claim 1, 2 or 3 when storing a plurality of data relating to personal health in a database.   A place where multiple data related to individual health or a hospital and a data center are connected via a network, and data related to individual health is aggregated in the data center from the location where the data is measured. A health management method comprising using the personal information management method according to claim 1 as a health management method for quantifying a risk.   Quantify the risk of becoming a person's disease from a health information database that accumulates multiple individual health data, clinical information and laboratory data in hospitals, a disease-related database, and a plurality of individual health data and disease-related data. A health management system, comprising: a risk calculation system, wherein an encoding device that attaches a code corresponding to an individual name to a plurality of individual health data is connected to the health information database.   A financial asset management method that accumulates multiple data related to individual financial credit information and asset information in a database and analyzes the data to quantify the risks related to individual financial and assets and perform efficient operations. 5. A financial asset management method according to claim 1, wherein the plurality of data relating to personal financial credit information and asset information are stored in a database.   A network that connects multiple data collection points related to individual financial credit information and asset information to a data center, and collects data related to individual financial credit information and asset information from the data collection point to the data center. The financial information management method according to claim 1, 2, 3, or 4, wherein the personal information management method according to claim 1, 2, 3, or 4 is used as a financial asset management method for quantifying individual financial and asset risks at a center and performing efficient operations. .   It has a financial asset database that accumulates data related to multiple financial credit information and asset information of individuals, and a risk calculation system that quantifies risks related to personal finance and assets and performs efficient operations. A financial asset management system, characterized in that an encoding device for attaching a code corresponding to a personal name to financial credit information and asset information data is connected to the financial credit information and asset information database.

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