个人数据银行——一种基于银行架构的个人大数据资产管理与增值服务的新模式

Personal Data Bank:A New Mode of Personal Big Data Asset Management and Value-Added Services Based on Bank Architecture

随着移动互联网的不断深入发展,个人大数据呈现指数级增长,却面临着产权模糊、管理散乱和流通困难等问题,严重影响个人大数据市场的有序发展.文中基于银行个人货币资产管理的模式及架构,以保护个人数据产权、知情权、隐私权和收益权为核心,提出了一种个人大数据资产管理与增值服务系统——个人数据银行,包括数据确权、汇聚、管理、交易和增值服务等功能,以个人为主体对象组织数据,有效连接人与数据,使得个人数据可授权访问且有序流通.文中对个人大数据资产管理与增值服务平台面临的问题进行了讨论,明确了个人数据银行定义,探讨了个人数据银行平台的组成架构和关键技术,并研发了一种个人数据银行平台——数汇宝,从理论和实践两个方面分析了个人数据银行建设的可行性,为个人数据资产化管理奠定了基础.

With the further development of mobile Internet,personal big data as a valuable asset is growing exponentially.But the vague of ownership,chaos of management and difficulty of circulation severely affect the regular development of personal big data market.Personal data bank is a new mode of personal big data asset management and value-added service based on the monetary asset management architecture of current banks,and its core principle is to protect theownership,right to know,privacy and usufruct of personal data.Personal data bank organizes all data centered with individuals,and provides some key functions of ownership verification,aggregation,management,trading and value-added services for personal big data,which can effectively guarantee all data access authorized and all data circulation orderly.This article mainly discusses the system architecture and key technologies of personal data bank,introduces an implement of personal data bank platform ＂ShuHuiBao＂,analyzes the feasibility of personal data bank from the perspective of theoretical and practical aspects,and lays a strong foundation for future development of personal data capitalization.