亞洲大學iABC以學研角度參與促成「台灣區塊鏈暨加密代幣自律組織(TBC SRO)」成立!

[部分內文轉載自臺灣金融科技協會新聞稿]

區塊鏈與加密代幣的去中心化(或多中心化)、帳簿紀錄的不可逆與不易更改、與在缺乏信任的環境中可透過共識機制取得可信賴的決策等特性,在許多產業都有顛覆性的運用。自去年六月起,ICO募資已顛覆了創投早期投資模式,成為區塊鏈新創的主要募資模式。較之傳統募資,ICO有幾個優點:大幅縮短了投資者獲利退出的期間、創新者較易取得較多的資金、以及讓消費者與投資大眾可以早期參與投資或價值創造等。ICO 快速獲利的誘因使得不少投資人踴躍投入,但是由於ICO門檻低,資訊不透明,容易被投機份子操縱,詐欺,也使得幣值暴漲暴跌,投資風險急遽升高。台灣近期掀起ICO熱,民眾對ICO具高度興趣,投機份子也開始湧入,鼓吹暴利。台灣有成立SRO,避免劣幣驅逐良幣的急迫性與必要性。臺灣金融科技協會王可言理事長表示,自律組織的籌備與發起主要是要建立交易所運作、加密代幣發行、營運、推廣、銷售、資訊透明化、與保護消費者權益等的最低規則與最佳典範。協會與自律組織會夥同業者研擬具體可行自律機制,讓組織成員以高標準自律運作步上軌道。王可言也說明協會希望與業者共同努力、發展與自律並重,把握商機,建立誠信品牌,改善 ICO 市場秩序,引領產業正向發展。協會和區塊鍊自律組織也會依生態圈業務特性、積極訂定自律條款,透過自律組織與自願訊息披露平台,增加透明度、打造一個健全的區塊鏈應用發展環境。協助業者開發,培養本土的良幣,並和國際接軌,吸引國際人才與資金,把台灣打造成國際區塊鏈樞紐。

對於ICO,金管會副主委鄭貞茂首先建議業者用Crypto-assets(加密資產)取代Cryptocurrency(加密代幣),因為「代幣」這個詞容易讓人迷失焦點。鄭貞茂並指出目前面臨最大的疑慮,就是ICO合法性仍舊未明確,新創業者若不小心,有觸法的可能。他呼籲有疑慮的業者,都可以向金管會提問,由主管機關來協助。另外,對於ICO的稅制(交易稅及營業所得稅)應該要做一個合理、具說服力的評估報告和說帖,來和政府主管機構溝通,以避免稅負過高阻礙ICO的發展。金管也會與財政部持續協商。 此外,鄭貞茂也指出創新的發展,民間的腳步比公部門快得很多,他認為此自律組織的成立將面臨很多實際問題,到時還需就各別議題來和政府協商。他強調現階段要透過立法克服相關問題緩不濟急,如金融沙盒監理條例立法協調一年多才上路,如要特別為 ICO 立法,可能還要兩、三年,因此現階段建議利用現有法規以及民間自律去做。更重要的是,SRO的規範需有一定的嚴格標準與自制力,才得以發揮相互監督自律之效。

前政委蔡玉玲律師表示,因為ICO的範圍擴及全球之故,對於ICO的監理,政府其實力有未逮,能監督管制的部分有限,建議政府不要採取「剛性管制」,可採低度管制,從立法院支持業者自律,創造友善環境。這也突顯了SRO自律的重要性,蔡玉玲強調:ICO發行方與投資者之間有著「資訊不對稱」造成容易詐欺的問題,因此需要一個公開透明的平台,讓發幣者揭露足夠的資訊;資訊揭露得越多,投資者可以檢視評估以降低風險的能力也越大。台灣金融科技協會的任務除了組織SRO建立高標準自律外,還要建立一個資訊透明對等的平台。共同發起Global ICO Transparency Alliance (GITA) 的目的就是為 ICO 業者建立自律框架、提高透明度和問責機制。 GITA其他成員包含香港、日本、南韓、越南、以及其他歐洲的區塊鍊與ICO協會。國際化的成員加入,能使 GITA 所揭露的不只是台灣的 ICO,而是全球的資訊。期盼平台能在年底以前上線,提供使用與查詢。讓台灣於ICO領域展現發光發熱的潛力。

亞洲大學金融科技區塊鏈研究中心自成立以來積極投入區塊鏈技術研究,期盼在堅守法遵的原則下,推動區塊鏈的產業應用落地。也因此以學研角度參與促成「台灣區塊鏈暨加密代幣自律組織(TBC SRO)」成立。同時亦受邀於「立法院推動區塊鏈連線暨產業自律組織」,支持成立大會招開,期盼在產官學研的共同努力下促使法遵與技術共融,加速國內區塊鏈產業創新領先!

亞洲大學國際產學聯盟迎接人工智慧與區塊鏈熱潮,「3D醫療列印技術」與「慈善募資區塊鏈技術」於2018 COMPUTEX登場

全球已邁入智慧型的數位經濟時代,人工智慧(AI)與區塊鏈(Blockchain)等新興科技,在各行各業都開始產生顛覆式的創新應用與突破。亞洲大學在科技部支持下,推動「人工智慧暨區塊鏈國際產學聯盟(iABC, International AI & Blockchain Consortium)」,目標以在地AI、Blockchain學術研究成果與產業接軌,推動「新健康」、「新零售」、「新金融」三大未來趨勢之整合應用。聯盟透過提供課程講座、共同研究、示範驗證、客製研發等服務項目建立產學合作模式,為企業會員在AI、Blockchain趨勢、技術、商業掌握上提出貢獻,讓學校研究能力與成果為企業所用,同時從人才培訓、創新推動到技術升級,協助台灣企業提升國際競爭力。

此次Computex參展,亞洲大學以「3D醫療列印技術」亮相。亞洲大學3D列印研究中心在與中國醫藥大學附設醫院3D列印醫療研發中心以及長陽生醫國際公司長期合作,成功將3D列印技術應用在醫療相關領域,包含臨床外科輔助,手術輔具,手術導版、醫學教學模型與客製化醫材等。近期更投入細胞列印,未來在降解植入物及再生醫學等將是新的發展目標與重點。現階段,亞洲大學已採用現有陶瓷、塑料、金屬等材料,結合先進的工程開發及3D列印技術,發展前瞻且平價之3D列印醫療產品,提供醫療產業客製化且創新解決方案。藉由利用3D列印的可列印尺寸、多元材料種類、專屬客製化之優勢,可取代傳統醫療副木之限制。未來也計劃結合社群製造與社群工藝,開發高階客製化之醫療副木於臨床端使用。

圖說:金屬下顎骨重建。
圖說:人工血管。
圖說:金屬頭蓋骨重建。
圖說:心臟模型。

 

 

 

 

 

同時,亞洲大學國際產學聯盟媒合校內金融科技區塊鏈技術研究中心與3D列印研究中心進行跨領域合作,進行「慈善募資區塊鏈技術」研究,且完成以太坊(Ethereum)區塊鏈與代幣發行技術實驗。於此次Computex參展中,也將展示如何藉由區塊鏈技術提高小額捐款效率、透明化捐款運用,並結合代幣獎勵智能合約,擴大慈善募資效應,降低經濟弱勢民眾醫療負擔。此系統未來更可以擴充到醫界、患者與3D列印廠商之間的3D列印醫療電子採購交易平台,提高客製化醫材的製作效率,升級我國的醫療水平。

這次的整合展示,科技部陳良基部長亦親臨現場觀摩。亞洲大學林蔚君副校長除了親自說明國際產學聯盟透過產學合作的研發成果,也表示希望吸引相關企業加入聯盟會員及推動產學合作研發計畫,加速「3D醫療列印技術」以及「慈善募資區塊鏈技術」的應用與商業運轉,掌握新健康、新零售與新金融龐大商機。

圖說:亞洲大學國際產學聯盟林蔚君副校長向科技部陳良基部長展示3D列印與區塊鏈眾籌技術成果。
圖說:亞洲大學國際產學聯盟技術展示與解說。

Covered in OR/MS Today, iABC Gains International Visibility

OR/MS Today, an international journal under INFORMS, disclosed in its No. 21 issue of 2018 the world speech tour topics, including Operations Research and Analytics and their noteworthy applications and innova-tions…

OR/MS Today, an international journal under INFORMS, disclosed in its No. 21 issue of 2018 the world speech tour topics, including Operations Research and Analytics and their noteworthy applications and innova-tions. iABC’s proposals of utilizing AI and blockchain to promote the fusion and upgrade of new healthcare, new retailing, and new finance was offi-cially covered in the journal.

A recent article from the New York Times cited Taiwan’s National Health Insurance, a single-payer system owned and operated by the govern-ment, as a great example worth noting for the government of America. In 2013, the average yearly medical and healthcare expenditure per person in Taiwan is US$1,166, making up 5.1% of the per capita GDP of the same year. The amount is way lower than that of America at US$9,255 of the same period. In addition, the administrative expenditure of National Health Insurance Administration, Ministry of Health and Welfare consists only of 1.07% of all health care expenditure while its information system is able to provide almost real-time information over health care expenses, utilization rate and public health emergency such as the outbreaks of the flu and the avian flu.

Nevertheless, Taiwan’s medical and healthcare is still faced with a main challenge – fast-growing aging society and accelerating cost for non-contagious diseases. From 1996 to 2013, the GDP of Taiwan has grown about 50% while the average healthcare expenditure per person has nearly doubled. To get to the bottom of the problem, the increase has mainly come from the population over 60 years of age.

In 2011, the elderly ( aged 65 and over ) consisted only 10% of the total population, while their healthcare expenditure made up 34% of all the ex-penditure. It is estimated that the aged population will reach 14%, turning Taiwan into an aged society in merely 20 years. The pace has greatly surpassed that of other developed countries. The aged population is pro-jected to rise up to 20% in 2025, making Taiwan a hyper-aged society.

Taiwan is becoming the fastest aging country in the world. As the popula-tion structures are changing, the overall medical and health care expendi-ture is also growing rapidly. Meanwhile, according to the 2030 Sustaina-ble Development Agenda by the United Nations, non-contagious diseases are considered one of the main challenges to sustainable development, whereas the gradually growing non-contagious diseases consist of 79.3% of the mortality rate in Taiwan. Prevention and control of non-contagious is rather challenging, partly because causes of these diseases are di-verse, and some of them are controversial such as tobacco addiction, al-cohol abuse, and unhealthy diet, all of which can increase the risks of dy-ing of non-contagious diseases, but not any of them can be easily eradi-cated.

Given these challenges, Taiwan has to develop innovative models to look after the aged population and enhance the health of the general public. In order achieve the goal, the intelligent IT system, community clinics, and the elderly care system can be put in place to provide a healthier life for the elderly and community residents. Related retailing and commercial services can also be integrated, along with financial services, to process medical and healthcare related expenses and insurance.

The authors of this article have recently received the support from the project of Global Research & Industry Alliance, GLORIA by MOST to found International AI and Blockchain Consortium, iABC, jointly initiated by Asia University and China Medical University, for the purpose of pro-moting health and medical care. iABC is headed by Dr. Grace Lin, vice president of Asia University, fellow and former board member and VP for the International Activities of INFORMS.

The aims of GLORIA are to prepare enterprises ready for industrial trans-formation and intelligent digital economy as well as to promote collabora-tion between universities and corporations, and to commercialize the techniques developed by academic researchers. At iABC, there are scholars and experts from industries and institutes of different fields all over the world, dedicating to putting rising technology into the real world of medical and health care. Especially Taichung-based Asia University and China Medical University, with their complete medical system of 14 subsidiary hospitals, are acting as research hub, which is human-centered, and dedicates to preventive medical and health care and relat-ed new retailing and fintech. The rising technologies being applied involve big data analysis, operations research, AI, blockchain, cloud computing, IoT and so on.

iABC’s key features:

  1. Universities, enterprises, research labs, and international institutes are put together to form a united research team that has substantial cross-field experience over business management, advanced technology, solu-tion integration, and transformation consulting which are helpful in bol-stering the innovation and R&D of new health, new retailing, and new fi-nancial service.
  2. The united system of Asia University and China Medical University is geared to engage the research centers within the schools in putting rising technology together with commercial service, to accomplish consistent buildup and inheritance over talent development. The research centers involved are Big Data Research Center, FinTech and Blockchain Re-search Center, and 3D Printing Research Institute.
  3. iABC has set up liaison centers and labs in Taipei, and Taichung for the demonstration of innovative technology, and the integrated new health, new retailing, and new financial solutions to connect with the industry, and small and mid-size enterprises (SMEs) in central and northern Taiwan so as to encourage them to develop innovation and partnership. The ecolog-ical model will customize an opportunity to cross fields and brands for SMEs.

Solutions: Integration of Health, Retailing, and FinTech

Technology progress has led to innovative business models, which in turn has made an impact on the healthcare, retailing, and finance industries. Holistic Healthcare, stressing the importance of predictive, prevention, personalized, and participatory (4P Medicine), will become the focal point of the development of healthcare management. The trend is demonstrat-ed in a survey by Frost & Sullivan, a consulting firm involved in market re-search and analysis. According to the survey, in 2007 70% of the ex-penditure was for treatment, as for the rest 30%, 15% was for diagnosis, 10% for monitoring, and 5% for prevention; while in 2012, the expenditure for treatment fell to 60%, the others rose to 19% for diagnosis, 12% for monitoring, and 9% for prevention.

The medical and healthcare expenditure for treatment is expected to drop significantly to 35%, while percentages are predicted to mount to 27% for diagnosis, 16% for monitoring, and 22% for prevention, which indicates that people are willing to pay more attention to their health, and institu-tions of medical and healthcare are re-allocating resources from treat-ment to prevention and healthcare. In order to achieve 4P Medicine, the applications of rising tech on monitoring and analysis will not be limited to conventional health indexes like blood pressure, heart rate, blood sugar, and other biometric indicators, but rather extend to lifestyle such as diet, exercise, health condition, sleep quality, body-mind balance, and external factors.

The products and services needed to attain 4P Medicine range from health food, dietary supplement, exercise equipment, monitoring devices to medicine, medical equipment, and most importantly, medical person-nel, including doctors, nurses, orderlies, and in-home nursing or home care service. Hence, to provide timely service, it is necessary to build up a whole new retailing business model of customer to business (C2B) and customer to manufacture (C2M), in addition to suitable products and ser-vices. FinTech will play an important role in perfect financial services. For example, cryptocurrency and innovative incentive mechanism can be used to encourage healthy life, diet, exercise, self-help and mutual-aid behavior, and other non-conventional medical care behavior as well as to reward clients for their contributions to related business and services.

In order to realize the benefit of cross-industry innovation, iABC team has designed a Cyber-Physical System, CPS, to connect hospitals, nursing care institutions, and new commercial and financial service for the devel-opment of human-centered medical and health care as shown in the fol-lowing diagram:

system is based on the private data bank of blockchain, which collects, store, and analyze internal and external data information of hospital, in-cluding environmental sensor, medical record, equipment reading, wear-able device, on-line purchase history, social network, data from app. and other information to let clients decide whether or not to share the data; it also integrates medical history, insurance claim, food, and product rec-ord into a uniform, reliable, and unalterable ledger of blockchain, allowing AI to detect fraud more effectively, and identify health management risk factors. Moreover, through the insurance and re-insurance contracts of blockchain, the information and the payment process between insurance company and clients is able to be simplified and automated, resulting in speedy claims, higher client satisfaction, and lower cost. Eventually, med-ical and health care institutions can be compensated more quickly, and clients do not need to pay until receiving their claims.

New Health, New Retailing, and New Finance

In order to achieve human-centered, 4P Medicine-based networked med-ical and health care, iABC has designed a smart API-based CPS with Big Data Center, FinTech and Blockchain Center of Asia University, Fu-sion360, Asia University Hospital, China Medical University Hospital. The iABC team has also looked aggressively for partners to establish an in-dustrial and academic medical and health care ecological circle. The fol-lowings are two on-going cases iABC and its partners are working on.

Case 1, Cross-border O2O (On-line to Off-line) Medical and Health Care Business Model

iABC is working with a traditional company whose mission is focused on people’s greater health, expecting to set up a cross-border business model, by means of introducing rising AI and blockchain techniques, to transform it into a global ecological system service corporation.

The team of iABC has designed a new retail business model to achieve omni-channel business. By means of innovatively integrating business model, such as traditional B2C (including B2B2C, B2B, and M2C), and highly secure, privacy protected C2B and C2M, to provide high-quality products and timely services intended to individual health. OR, business analysis, and AI are the key to the operation of an ecological system. Par-ticipants, including supplier, manufacturer, retailer, distributor, platform provider, and customer are most benefited from many-to-many smart pairing and awarding/incentive mechanism. The blockchain technique as-sures privacy and security, and, more importantly, effectively put C2B and C2M business models into practice. Among all this, there are still plenty of interesting and challenging designing issues existing in the award-ing/incentive cryptocurrency mechanism.

Case 2, Blockchain Volunteer’s Time Bank

For the labor intensive long-term and elderly care industry, the major dif-ficulty stems from limited capital and shortage of professionals. Based on the technical cooperation of iABC and Fusion360, the blockchain tech-nique has been applied on the publication of an award-based time cryp-tocurrency. For instance, volunteers can earn, certified by the service institution, time cryptocurrency, and at the same time, deposit it into a time bank according to the smart contract of various terms of their choice under the protection of blockchain.

The cryptocurrency can then be a tool linking other services. For exam-ple, by way of providing services, volunteers can exchange the cryptocur-rency for health care or cleaning service for their family and friends, or use it to pay for coffee of equal value through linking retailing service. Ad-ditionally, time cryptocurrency can be transferred to another person through time bank, or saved in the time bank based on the terms of the smart contract. The time bank is not only just a mutually beneficial mech-anism, but also an altruistic social welfare system through the creation of sharing economy and a mutual-aid environment. Similar to the aforemen-tioned omni ecological economy, smart pairing and awarding mechanism assure the best service and systematic functions for different services and individuals that is critical to the overall effectiveness of the system.

Conclusion

While medical and health care innovation is significant to global welfare, new retailing and new finance have to develop hand in hand with new health so as to accomplish the transformation of the 4P Medicine-based medical and health care. As a result of OR, analytics, and AI, the intelli-gence, blockchain-protected security and privacy, and smart contract have opened up a wonderful opportunity for the innovation of business models. iABC would like to collaborate with the academy and industry around the world under the framework of an open ecological circle sys-tem to create a better world by taking good us of rising technology. The team of iABC would be delighted to cooperate with OR and management science professionals to make a contribution in the medical arena for a start. iABC is capable of helping academic researchers and leading man-ufacturers in Taiwan set up joint research projects on IoT, mobile device, medical and health care, retailing, finance, and fintech, and so on; the iABC team would make every effort to keep Taiwan’s research on AI, blockchain, medical and health care, and health updated with global cor-porations. For more information please contact Prof. Grace Lin.

Author

  • Grace Lin emailVice president, Director of the Big Data Research Center, and Blockchain Research Center of Asia University, Taiwan; Chair Professor of Asia Uni-versity and China Medical University, Taiwan;
    VP for 5 years with the Advanced Research Institute (ARI) at the Institute for Information Industry (III); worked at IBM for 16 years, over 6 of those as the Global Sense-and-Respond Value-Net leader, and CTO & Director for Innovation and Emerging Solutions at IBM Global Business Services; and a Research Staff Member, and IBM Distinguished Engineer
  • Ko-yang WangFounder and chairman of Fusion360, dedicating to the R&D of innovative API platform for financial inclusion and related services; president of Tai-wan FinTech Association, former vice CEO of the Institute for Information Industry, leader and partner of Business Process Management at IBM/li>
  • Ya-Hui ChanAssociate manager, Fusion360, associate professor at Asia university from 2016~2017, researcher and team leader of the Advanced Research Institute and the Institute of Technology and Applications at the Institute for Information Industry
  • Han Chao LeeVice general manager, Fusion360, on secondment to iABC as CSO, fo-cusing on blockchain R&D, and former vice president of the Institute of Technology and Applications, and the Institute of Cloud System Software Research at the Institute for Information Industry
  • Zhong-xiang LiuAssociate manage, Fusion360, on secondment to iABC as chief of inno-vation, COI, chief sectary of Taiwan FinTech Association, and ㄐformer department manager at the Institute for Information Industry.