system

Abstract

Provide a system. 【Solution means】 A user information acquisition device, A device for standardizing the user information, A device for acquiring insurance product information, A device for storing and organizing the insurance product information in a database structure, A device for matching user information and insurance product information using a generation AI and presenting an optimal insurance plan, A device for presenting the presented insurance plan to the user, A device for adjusting the insurance plan according to the user's life events, A device for performing immediate settlement through a payment processing device, A system including the above.

Description

Technical Field

[0001] The technology of the present disclosure relates to a system.

Background Art

[0002] Patent Document 1 discloses a method for controlling a persona chatbot, which is performed by at least one processor, the method including steps of receiving a user utterance, adding the user utterance to a prompt including an instruction sentence related to an explanation of a character of the chatbot, encoding the prompt, and inputting the encoded prompt into a language model to generate a chatbot utterance in response to the user utterance.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] Taking into account different factors such as an individual's lifestyle, health condition, income, family composition, etc., and selecting an optimal insurance plan based on these is particularly difficult when there are multiple insurance products. It requires specialized knowledge and a great deal of time for a user to understand and compare the details of each insurance plan, and stress is involved in the selection. Also, when the insurance conditions applied due to life events change, an appropriate review is required, but it is also a difficult task to perform this in a timely manner.

Means for Solving the Problems

[0005] This invention provides a means for inputting user information and standardizing it. Based on this standardized information, it has a means for acquiring insurance product information from an external source, storing it in a database, and classifying it. Furthermore, by using a generation AI, it compares the standardized user information with the acquired insurance product information and proposes the optimal insurance plan to the user. By presenting the proposed insurance plan to the user in an easy-to-understand manner and further reviewing the insurance plan according to life events, the invention provides a system that allows the user to continuously select the optimal insurance.

[0006] A "user information input method" is an interface that allows users to input information such as their lifestyle, health status, income, and family structure, and transmit that information to the system.

[0007] "Standardization" refers to the process of converting user-inputted information into a consistent format so that it can be efficiently used in subsequent processing.

[0008] "Means for acquiring insurance product information" refers to a function that automatically collects detailed information about insurance products from external insurance companies and data providers and imports it into the system.

[0009] "Methods for saving and organizing information in a database" refers to a system that enables efficient searching and management by saving acquired insurance product information in a database and categorizing and formatting it.

[0010] "Generative AI" is an artificial intelligence technology that analyzes user information and insurance product information and uses it to optimally match them.

[0011] "Method for proposing insurance plans" refers to a function that presents the user with the optimal insurance plan selected by the generation AI.

[0012] The "means of reviewing insurance plans in response to life events" refers to a function that re-evaluates the application conditions of an existing insurance plan and proposes a new plan as needed when a user experiences a life event (e.g., marriage, childbirth, job change). [Brief explanation of the drawing]

[0013] [Figure 1] This is a conceptual diagram showing an example of the configuration of a data processing system according to the first embodiment. [Figure 2] This is a conceptual diagram showing an example of the essential functions of a data processing device and a smart device according to the first embodiment. [Figure 3] This is a conceptual diagram showing an example of the configuration of a data processing system according to the second embodiment. [Figure 4] This is a conceptual diagram showing an example of the main functions of a data processing device and smart glasses according to the second embodiment. [Figure 5] This is a conceptual diagram showing an example of the configuration of a data processing system according to the third embodiment. [Figure 6] This is a conceptual diagram showing an example of the main functions of a data processing device and a headset-type terminal according to the third embodiment. [Figure 7] This is a conceptual diagram showing an example of the configuration of a data processing system according to the fourth embodiment. [Figure 8] This is a conceptual diagram showing an example of the main functions of a data processing device and a robot according to the fourth embodiment. [Figure 9] This shows an emotion map where multiple emotions are mapped. [Figure 10] This shows an emotion map where multiple emotions are mapped. [Figure 11] This is a sequence diagram showing the processing flow of the data processing system in Example 1. [Figure 12] This is a sequence diagram showing the processing flow of the data processing system in Application Example 1. [Figure 13] This is a sequence diagram showing the processing flow of the data processing system in Example 2, which incorporates an emotion engine. [Figure 14]It is a sequence diagram showing the processing flow of a data processing system in Application Example 2 when a sentiment engine is combined.

Embodiments for Carrying Out the Invention

[0014] Hereinafter, an example of an embodiment of a system according to the technology of the present disclosure will be described with reference to the accompanying drawings.

[0015] First, the terms used in the following description will be explained.

[0016] In the following embodiments, a processor with a reference numeral (hereinafter simply referred to as "processor") may be a single arithmetic unit or a combination of multiple arithmetic units. Also, the processor may be a single type of arithmetic unit or a combination of multiple types of arithmetic units. Examples of arithmetic units include a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), a GPGPU (General-Purpose computing on Graphics Processing Units), an APU (Accelerated Processing Unit), and the like.

[0017] In the following embodiments, a RAM (Random Access Memory) with a reference numeral is a memory in which information is temporarily stored and is used as a work memory by the processor.

[0018] In the following embodiments, a storage with a reference numeral is one or more non-volatile storage devices that store various programs and various parameters, etc. Examples of non-volatile storage devices include flash memory (SSD (Solid State Drive)), magnetic disks (e.g., hard disks), or magnetic tapes, etc.

[0019] In the following embodiments, the signed communication interface (I / F) is an interface that includes a communication processor and an antenna, etc. The communication interface manages communication between multiple computers. Examples of communication standards applicable to the communication interface include wireless communication standards such as 5G (5th Generation Mobile Communication System), Wi-Fi (registered trademark), or Bluetooth (registered trademark).

[0020] In the following embodiments, "A and / or B" is synonymous with "at least one of A and B." That is, "A and / or B" means that it may be A alone, or B alone, or a combination of A and B. Furthermore, in this specification, the same concept as "A and / or B" applies when expressing three or more things linked by "and / or."

[0021] [First Embodiment]

[0022] Figure 1 shows an example of the configuration of the data processing system 10 according to the first embodiment.

[0023] As shown in Figure 1, the data processing system 10 includes a data processing device 12 and a smart device 14. An example of the data processing device 12 is a server.

[0024] The data processing device 12 comprises a computer 22, a database 24, and a communication interface 26. The computer 22 is an example of a "computer" related to the technology of this disclosure. The computer 22 comprises a processor 28, RAM 30, and storage 32. The processor 28, RAM 30, and storage 32 are connected to a bus 34. The database 24 and the communication interface 26 are also connected to the bus 34. The communication interface 26 is connected to a network 54. An example of the network 54 is a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[0025] The smart device 14 comprises a computer 36, a reception device 38, an output device 40, a camera 42, and a communication interface 44. The computer 36 comprises a processor 46, RAM 48, and storage 50. The processor 46, RAM 48, and storage 50 are connected to a bus 52. The reception device 38, output device 40, and camera 42 are also connected to the bus 52.

[0026] The reception device 38 is equipped with a touch panel 38A and a microphone 38B, etc., and receives user input. The touch panel 38A receives user input by detecting contact with an object (e.g., a pen or finger). The microphone 38B receives user input by detecting the user's voice. The control unit 46A transmits data indicating the user input received by the touch panel 38A and microphone 38B to the data processing device 12. In the data processing device 12, the specific processing unit 290 acquires the data indicating the user input.

[0027] The output device 40 includes a display 40A and a speaker 40B, and presents data to the user 20 by outputting the data in a form perceptible to the user 20 (e.g., audio and / or text). The display 40A displays visible information such as text and images according to instructions from the processor 46. The speaker 40B outputs audio according to instructions from the processor 46. The camera 42 is a small digital camera equipped with an optical system such as a lens, aperture, and shutter, and an image sensor such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor.

[0028] Communication interface 44 is connected to network 54. Communication interfaces 44 and 26 are responsible for the exchange of various types of information between processor 46 and processor 28 via network 54.

[0029] Figure 2 shows an example of the main functions of the data processing device 12 and the smart device 14.

[0030] As shown in Figure 2, in the data processing device 12, a specific processing is performed by the processor 28. A specific processing program 56 is stored in the storage 32. The specific processing program 56 is an example of a "program" related to the technology of this disclosure. The processor 28 reads the specific processing program 56 from the storage 32 and executes the read specific processing program 56 on the RAM 30. The specific processing is realized by the processor 28 operating as a specific processing unit 290 according to the specific processing program 56 executed on the RAM 30.

[0031] The storage 32 stores the data generation model 58 and the emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[0032] In the smart device 14, the processor 46 performs the reception output processing. The storage 50 stores the reception output program 60. The reception output program 60 is used in conjunction with a specific processing program 56 by the data processing system 10. The processor 46 reads the reception output program 60 from the storage 50 and executes the read reception output program 60 on the RAM 48. The reception output processing is realized by the processor 46 operating as a control unit 46A according to the reception output program 60 executed on the RAM 48.

[0033] Next, the specific processing performed by the specific processing unit 290 of the data processing device 12 will be described. In the following description, the data processing device 12 will be referred to as the "server" and the smart device 14 as the "terminal".

[0034] The system for implementing the present invention begins by providing an interface that allows the user to input information such as their lifestyle, health status, income, and family structure from a terminal. The terminal transmits this information to a server using a secure protocol. The server analyzes the received data and converts it into a standardized format. This allows for the unified handling of information in different data formats.

[0035] The server also retrieves detailed information about insurance products from external insurance companies and databases. This retrieved information is organized and stored in the database, compiled as detailed information for each insurance plan. This includes elements such as rates, coverage, and special clauses.

[0036] Using generation AI, the server matches standardized user data with insurance product information. This AI technology performs data analysis and matching to find the plan best suited to the user. For example, based on the user's health information, insurance with generous coverage for specific illnesses may be suggested.

[0037] Users can receive and review detailed information about proposed insurance plans from the server via their device. For the selected plan, the server guides the user through each step of the contract process. This guidance allows users to easily complete the contract.

[0038] Furthermore, the server receives information about the user's life events (such as marriage, childbirth, or changing jobs) and provides a function to review the insurance plan accordingly. Based on this information, the server proposes a new insurance plan that suits the newly arising needs, continuously providing the user with the best possible option.

[0039] For example, if a user changes their family structure from their device (e.g., adds a child due to birth), the server reviews their existing insurance plan based on this information and proposes the optimal insurance plan that covers the entire family. This ensures that the user always has the necessary coverage as their circumstances change.

[0040] The following describes the processing flow.

[0041] Step 1:

[0042] Users use their devices to input information about their lifestyle, health status, income, and family structure. This information is then sent from the device to the server.

[0043] Step 2:

[0044] The server analyzes the received user information and converts it into a standardized format. This ensures consistency even when data is entered in various formats.

[0045] Step 3:

[0046] The server retrieves insurance product information from external insurance companies and databases. It uses APIs and data feeds to collect plan details, obtaining information including rates, coverage, and special clauses for each insurance plan.

[0047] Step 4:

[0048] The server stores the acquired insurance product information in a database. Here, the information for each insurance plan is organized and categorized for easy searching and comparison.

[0049] Step 5:

[0050] The server uses generated AI to match standardized user information with insurance product information. This allows it to select the insurance plan that best suits the user's needs.

[0051] Step 6:

[0052] The server generates a clear, natural language explanation of the selected insurance plan and sends it to the terminal.

[0053] Step 7:

[0054] The user reviews the details of the proposed insurance plan on their device. Based on the proposal, they select the appropriate plan.

[0055] Step 8:

[0056] The server guides the user through the contract process for the insurance plan they have selected. It directs the user through the necessary paperwork and procedural steps.

[0057] Step 9:

[0058] The server periodically receives user life event information and reviews insurance plans if changes occur. By proposing a new plan that meets new needs, it ensures that the user's insurance remains optimal.

[0059] (Example 1)

[0060] Next, we will describe Example 1. In the following description, the data processing device 12 will be referred to as the "server," and the smart device 14 will be referred to as the "terminal."

[0061] In recent years, there has been a growing demand for prompt and accurate proposals of optimal insurance and service plans based on diverse life events and individual needs. However, conventional systems have faced challenges in providing users with the best choices, as standardizing information and re-evaluating plans requires considerable effort and time.

[0062] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 1 is realized by the following means.

[0063] In this invention, the server includes a user interface means for inputting information, means for encrypting and transmitting the information, and means for analyzing the received information and converting it into a format. This makes it possible to process diverse information quickly and accurately and propose the optimal product plan that meets the user's needs.

[0064] "User interface means for inputting information" refers to a system component that enables users to accurately input personal information, life events, and other data.

[0065] "Means for encrypting and transmitting the information" refers to technology for encrypting information received from users from a security standpoint and securely transmitting it to the server.

[0066] "Means of analyzing received information and converting it into a format" refers to the process by which a server receives transmitted information and converts data in different formats into a unified, manageable format.

[0067] "Means of obtaining product information from external sources" refers to methods for gathering necessary product information from external databases, APIs, etc.

[0068] "A means of analyzing user information and product information using generative artificial intelligence" refers to a process that utilizes AI technology to match user characteristics with product data and derive an optimized plan.

[0069] "Methods for re-evaluating product plans based on user event information" refers to methods for re-evaluating existing plans to reflect the latest changes in users' life events, etc.

[0070] The following describes embodiments for carrying out the present invention. This system provides an interface for users to input information such as their lifestyle, health status, income, and family structure. The terminal transmits the input information to the server using a secure protocol such as HTTPS. The server uses a database management system and data analysis software to analyze the received information and convert it into a standardized format. This makes it possible to organize and manage diverse data formats in a unified manner.

[0071] The server also utilizes API technology to retrieve insurance product information from external sources. The retrieved information is organized and stored in an internal database, forming detailed information for each product plan. In this process, the product information includes details such as rates, coverage, and special clauses, and is organized by the database management system.

[0072] Utilizing a generative AI model, the server analyzes standardized user data and product information. This identifies the optimal product plan and proposes it to the user using generated prompt messages. The generative AI model employs machine learning algorithms to find the best plan for each user. An example of a prompt message would be, "Please suggest an appropriate insurance plan based on the user's health information and changes in family structure."

[0073] Users can view the details of the product plans proposed by the server through their device. The server provides a guide to the contract procedure based on the plan selected by the user, making it easy for the user to conclude a contract.

[0074] Furthermore, whenever the server receives information about a user's life events, it re-evaluates the existing plan and updates it as needed. This update involves a generative AI model, ensuring that the user always receives optimized options. For example, if a user notifies the server of a change in family structure via their device, the server can use this information to review the existing insurance plan and propose a new, optimal plan, thus responding to changing needs.

[0075] The flow of the specific processing in Example 1 will be explained using Figure 11.

[0076] Step 1:

[0077] Users input information such as their lifestyle, health status, income, and family structure into the terminal's interface. The terminal then transmits this information to the server in an encrypted format using a secure protocol such as HTTPS. This ensures data security and prevents unauthorized access from external sources.

[0078] Step 2:

[0079] The server receives encrypted information from the terminal, parses it, and converts it into a standardized format. Specifically, it converts different data formats to JSON format, applies a schema, and verifies data integrity. The input in this process is encrypted user information, and the output is parsed standardized data.

[0080] Step 3:

[0081] The server retrieves insurance product information via an external API. This retrieved data includes rates, coverage details, and special clauses. The server organizes this information in an internal database and creates indexes for efficient access. In this case, the input is raw data from the external API, and the output is indexed database records.

[0082] Step 4:

[0083] The server uses a generative AI model to match standardized user data with acquired insurance product information to identify the optimal insurance plan. This process uses machine learning algorithms to analyze the product best suited to the user's needs and generate a proposed plan. The input is user data and product information, and the output is an optimized insurance plan.

[0084] Step 5:

[0085] The user views the details of the insurance plans proposed by the server via their device. The user can compare the fees and coverage of the displayed plans and make a selection as needed. In this step, the proposed plans from the server are the input, and the user's selection is the output.

[0086] Step 6:

[0087] The server re-evaluates existing insurance plans upon receiving user life event information. In this step, the generative AI model is utilized again to provide recommendations for a plan suited to the new situation. This ensures that the optimal product plan is always provided based on life events. The input is life event information, and the output is the re-evaluated insurance plan.

[0088] (Application Example 1)

[0089] Next, we will explain Application Example 1. In the following explanation, the data processing device 12 will be referred to as the "server," and the smart device 14 will be referred to as the "terminal."

[0090] Providing users with the optimal insurance plan to suit their increasingly complex lifestyles and diverse life events is challenging. Furthermore, there is a need to efficiently adjust insurance plans to meet user needs and process payments instantly within a single system, but current systems struggle to achieve this in an integrated and immediate manner.

[0091] The specific processing performed by the specific processing unit 290 of the data processing device 12 in Application Example 1 is realized by the following means.

[0092] In this invention, the server includes a user information acquisition device, a device for standardizing the user information, and a device for acquiring insurance product information. This enables data collection and processing based on the diverse lifestyles of users. It also includes a device that uses generating AI to compare user information and insurance product information and present the optimal insurance plan, a device that presents the presented insurance plan to the user, a device that adjusts the insurance plan according to the user's life events, and a device that performs immediate settlement through a payment processing device. This enables real-time presentation of the optimal insurance plan that meets the user's needs and immediate processing of settlements.

[0093] A "user information acquisition device" is a means of inputting and acquiring information from users, such as their lifestyle and health status.

[0094] A "standardization device" is a means of processing acquired user information to convert it into a unified format.

[0095] A "device for acquiring insurance product information" is a means of obtaining detailed information about insurance products from external databases or insurance companies.

[0096] A "device for storing and organizing information in a database structure" is a means of systematically managing acquired insurance product information and retaining it in preparation for subsequent processing.

[0097] A "device that uses generated AI for matching" is a means of utilizing AI technology to analyze user information and insurance product information and find the optimal combination.

[0098] The "presentation device" is a means of displaying insurance plans proposed by AI in an easy-to-understand manner for the user.

[0099] A "modification device" is a means of re-evaluating existing insurance plans and making necessary modifications in response to changes in the user's life events.

[0100] A "device that performs instant settlement through a payment processing device" is a means of quickly making payments for presented insurance plans using electronic payment functions.

[0101] This invention begins with a user inputting information such as their lifestyle, health status, income, and family structure using a smartphone or other device. The device transmits this information to a server using a secure protocol, and the server analyzes the user information and converts it into a unified data format using a standardization device. Next, the server collects necessary data by utilizing devices that retrieve detailed information on insurance products from insurance companies and other databases.

[0102] This information is stored and managed in a database structure. The generating AI matches standardized user information with insurance product information and uses algorithms to create the most suitable insurance plan for the user. The presentation device displays this proposal to the user on their terminal. Furthermore, in response to the user's life events, the adjustment device allows for a review of the insurance plan and, if necessary, presents a new plan.

[0103] Furthermore, users can make immediate payments for their chosen insurance plans using a payment processing device via their terminal. This system configuration allows users to quickly and efficiently select and apply for insurance plans that suit their lifestyle. For example, if a user experiences childbirth, they can immediately review and complete the payment for a family insurance plan appropriate for that event.

[0104] By using a generative AI model, it is possible to provide user-specific information by utilizing prompts such as, "Please recommend the best insurance plan for our newly arrived family. Ideally, it should be customizable to our lifestyle and have easy payment options."

[0105] The flow of a specific process in Application Example 1 will be explained using Figure 12.

[0106] Step 1:

[0107] Users input personal information such as lifestyle, health status, income, and family structure through their device. The device then transmits this data to the server using a secure protocol. This ensures that the input data is transferred to the server.

[0108] Step 2:

[0109] The server analyzes the received user information using a standardization device and converts it into a unified data format. Specifically, it converts data in different formats into a comparable format and arranges it into a structure suitable for a database.

[0110] Step 3:

[0111] The server collects detailed information about insurance products using devices that retrieve insurance product information from external insurance companies and databases. Here, the latest insurance product information is automatically obtained using APIs, etc. This process also prepares detailed elements such as rates and coverage as data.

[0112] Step 4:

[0113] The server stores the acquired insurance product information in a database structure and organizes it as needed. This enables efficient access and prepares the data for subsequent processing by AI.

[0114] Step 5:

[0115] The generating AI matches user information with insurance product information to create the optimal insurance plan. In this process, it compares the advantages and disadvantages of each insurance product based on the user information and uses an algorithm to create the most appropriate proposal.

[0116] Step 6:

[0117] The display device shows the generated insurance plans to the user on their terminal. This allows the user to review multiple options and select the insurance plan that best suits their needs.

[0118] Step 7:

[0119] When a user's life events are updated, the adjustment system re-evaluates the content and generates a new plan as needed. This involves additional data comparisons and analyses based on the new information, leading to timely revised recommendations for the user.

[0120] Step 8:

[0121] The payment processing unit processes the payment instantly via the terminal for the insurance plan selected by the user. The payment is securely completed through the payment platform, and the contract is concluded.

[0122] Furthermore, an emotion engine that estimates the user's emotions may be incorporated. That is, the identification processing unit 290 may use the emotion identification model 59 to estimate the user's emotions and perform identification processing using the user's emotions.

[0123] The system for implementing the present invention is initiated when a user inputs information about their lifestyle, health status, income, and family structure via a terminal. This information is transmitted to a server via the terminal. The server analyzes the received user information, converts it to a standard format, and treats it as unified data.

[0124] The server retrieves insurance product information from external insurance companies or databases, organizes this information, and stores it in the database. It records detailed information on the rates, coverage, and special clauses for each insurance plan, facilitating comparison and searching.

[0125] The generating AI identifies the most suitable insurance plan for the user by matching standardized user information with collected insurance product information. The server generates a clear and easy-to-understand insurance plan proposal in natural language and sends it to the user's device. The user reviews the proposed insurance plan on their device and understands the details.

[0126] In particular, this invention allows a server to recognize the emotions expressed by the user through input information by combining it with an emotion engine. The server can use this emotion information to adjust the proposed insurance plan based on the user's mood and state. For example, if it is determined that the user is not ready to accept the proposal, the server may provide more educational information or explanations of the risks.

[0127] Furthermore, the server analyzes user feedback, taking into account their emotions and opinions, to improve the accuracy of future system responses and insurance plan suggestions. In this way, the system provides users with more appropriate support and continuously assists them in selecting the optimal plan.

[0128] For example, if a user reports the birth of a new child, the server recognizes this event and, through its emotion engine, determines that the user wants to feel secure and financially prepared. In response, it suggests a more comprehensive family insurance plan, emphasizing the peace of mind that additional coverage provides. This process allows users to choose appropriate insurance for their new life stage.

[0129] The following describes the processing flow.

[0130] Step 1:

[0131] Users use their devices to input information about their lifestyle, health status, income, and family structure. This information is then sent from the device to the server.

[0132] Step 2:

[0133] The server analyzes the received user information and converts it into a standardized format. This ensures that the information is handled within the system in a consistent format.

[0134] Step 3:

[0135] The server retrieves insurance product information from insurance companies and related databases. The information collected through APIs and data feeds is organized into details, including rates, coverage, and special terms and conditions.

[0136] Step 4:

[0137] The emotion engine analyzes user input and interactions to estimate the user's emotional state. The server receives this emotional information and makes it available within the system.

[0138] Step 5:

[0139] Using generative AI, the server matches standardized user information with insurance product information. Furthermore, it takes emotional information into account to identify the most suitable insurance plan for the user in an adjusted form.

[0140] Step 6:

[0141] The server generates a tailored insurance plan proposal as a natural language description that reflects emotional elements, and sends it to the terminal.

[0142] Step 7:

[0143] Users review the proposed insurance plan on their device and understand the details. They can provide comments and feedback as needed.

[0144] Step 8:

[0145] The server collects user feedback and analyzes it through an emotion engine. This feedback is then used to improve the accuracy of the system's responses and suggestions.

[0146] Step 9:

[0147] The server periodically receives information about the user's life events and, as needed, reviews or re-proposes insurance plans to help the user select the optimal plan that responds to changes in their circumstances.

[0148] (Example 2)

[0149] Next, we will describe Example 2. In the following description, the data processing device 12 will be referred to as the "server" and the smart device 14 as the "terminal".

[0150] In information provision systems, the challenge lies in presenting optimal product plans that reflect the individual needs and emotional states of users, and in continuously improving the accuracy of these suggestions through feedback.

[0151] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means.

[0152] In this invention, the server includes a device for inputting user information, a device for converting said user information into a standard format, and a device for acquiring product information from an external information source. This makes it possible to provide an optimal product plan based on the user's individual needs, while also adjusting and improving the accuracy of suggestions based on emotional state and feedback.

[0153] "User information" refers to personal information provided by the user, such as lifestyle, health status, income, and family structure.

[0154] A "standard format" refers to the rules and formats used to unify data from different formats into a consistent format.

[0155] "External information sources" refer to external insurance company databases and other online information providers that are accessed to obtain information.

[0156] "Product information" refers to detailed information about insurance plans and products, including their names, fees, and coverage, obtained from external sources.

[0157] A "generative AI model" is an artificial intelligence model used to analyze user information and product information to generate and propose the optimal product plan.

[0158] A "user device" refers to a terminal, such as a smartphone or personal computer, that a user uses to input information and review proposed plans.

[0159] "Emotional state" refers to information about the user's current mood and emotional state, extracted from the user's input data.

[0160] "Feedback" refers to opinions and impressions provided by users based on their experience using the system, and is used to improve future proposals.

[0161] The system of this invention begins with the user entering their personal information into a terminal. The user enters personal information such as lifestyle, health status, income, and family structure, and this data is transmitted to the server via the terminal. The entered information is encrypted on the terminal using a secure communication method. The server receives this information and converts it into a standard format using data analysis software. For example, a Python data analysis library can be used.

[0162] The server also retrieves product information from external sources, such as insurance company APIs and databases. This retrieved product information is organized and stored on the server using a database management system (e.g., MySQL® or PostgreSQL). Based on this organized information, a generative AI model (e.g., GPT or BERT) matches the user's information with the product information to generate the optimal plan.

[0163] The generated product plan is structured by the server in natural language and communicated to the user, and finally sent to the device. The user reviews the proposed plan through the device and considers it as needed. During this process, the emotion engine analyzes the user's reactions and state, and adjusts the plan or provides additional information.

[0164] As a concrete example, if a user enters a life event such as marriage on their device, the server will use an AI model to generate suggestions for family insurance plans based on this input. In doing so, it will provide explanations tailored to the user's interests and preferences to assist them in making a selection.

[0165] An example of a prompt message is, "Propose the optimal family insurance plan for a user who is about to get married, and explain the peace of mind that the additional coverage provides." This allows the user to make an appropriate choice based on specific life events.

[0166] The flow of the specific processing in Example 2 will be explained using Figure 13.

[0167] Step 1:

[0168] Users enter personal information such as their lifestyle, health status, income, and family structure into the device. This information is transmitted to the server through the device's interface. The device encrypts the information and transmits the data using a secure communication protocol.

[0169] Step 2:

[0170] The server decodes user information received from the terminal and converts it to a standard format. Since the input data, such as date of birth and income information, may be entered in different formats, data analysis software (e.g., a Python library) is used to standardize it into a unified format. This results in standardized data that is easy to handle in subsequent processing.

[0171] Step 3:

[0172] The server retrieves product information from external sources. It extracts insurance plan information from insurance company databases via APIs. This process uses SQL queries and other methods to obtain necessary data (prices, coverage details), which is then organized and stored in the server's database.

[0173] Step 4:

[0174] The server inputs standardized user information and organized product information into a generating AI model. The model uses machine learning algorithms to analyze and identify the product plan best suited to the user's needs. Here, the plan that meets the criteria is output as an effective suggestion.

[0175] Step 5:

[0176] The server structures the generated product plan proposals in easy-to-understand natural language and sends them to the terminal. It utilizes the natural language processing capabilities of the generation AI model to format the proposals in a user-friendly way before outputting them to the terminal.

[0177] Step 6:

[0178] The user reviews the proposed product plan through their device. If the user considers the proposal and has further information or questions, they can request additional information through the interface.

[0179] Step 7:

[0180] The server uses an emotion engine to analyze user feedback. The feedback provided by users is analyzed through text to detect emotional states and satisfaction levels, and then stored in a database to improve future service offerings.

[0181] (Application Example 2)

[0182] Next, we will explain application example 2. In the following explanation, the data processing device 12 will be referred to as a "server" and the smart device 14 as a "terminal".

[0183] There is a need to make it easier for users to choose the optimal insurance plan that suits their lifestyle and emotions. However, conventional systems have problems in that they have difficulty customizing to respond to the emotions expressed by users and their daily lives at home, and therefore do not adequately offer suggestions that meet individual needs.

[0184] The specific processing performed by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means.

[0185] In this invention, the server includes means for standardizing user information, means for storing and organizing insurance product information in a database, means for comparing user information and insurance product information using generating AI to propose the optimal insurance plan, means for analyzing the user's emotions to customize the insurance plan, and means for presenting information via a device for managing daily life within the home. This makes it possible to propose flexible and optimal insurance plans that are tailored to the user's daily life and emotions.

[0186] "User information" refers to information about the user's lifestyle, health status, income, and family structure.

[0187] "Standardization" is the process of analyzing received user information and converting it into a consistent format.

[0188] "Insurance product information" refers to detailed information about the rates, coverage, and special conditions of each insurance plan, obtained from the insurance company or a database.

[0189] A "database" is an information management system that organizes and stores insurance product information to facilitate subsequent comparison and searching.

[0190] "Generative AI" is an artificial intelligence technology that matches user information with insurance product information to identify the optimal insurance plan.

[0191] "Emotion analysis" is a process that recognizes emotions expressed through information input by the user and adjusts the suggested content based on the user's mood and state.

[0192] "Devices that manage daily life within the home" refers to household robots and digital assistants that present information while interacting with the user.

[0193] The system for implementing this invention uses a consumer robot to propose an optimal insurance plan tailored to the user's lifestyle and emotions. Specific embodiments are shown below.

[0194] Users input information such as their health status, life events, and emotions through a robotic device installed in their home. This robot is equipped with high-performance sensors and cameras, and acquires information from the user's voice and actions. The information from the user is transmitted to a server in real time via the robotic device.

[0195] The server uses a cloud-based data analysis platform to convert user information into a standard format and integrate it with organized insurance product information. During this process, an AI-generated model, such as a natural language processing engine (e.g., OpenAI®'s GPT series), is used to analyze the user information and identify the optimal insurance plan.

[0196] If user information includes emotional data, the server uses an emotional recognition model (for example, Google Cloud's Natural Language API) to analyze the user's emotions and customize the insurance plan. For example, if the user is feeling stressed, the server will provide information on insurance products that can help reduce stress.

[0197] The analyzed insurance plans are presented to the user in easy-to-understand natural language. When presenting the information to the user, the robot uses a home display and shares information via a voice interface. This information is presented as prompts tailored to the user's life stage.

[0198] As a concrete example, consider a prompt message in which a user inputs information such as, "I recently started exercising, but I need to review my insurance to ensure it's appropriate." In this case, the generating AI model searches for exercise-related insurance plans and suggests to the user what kind of coverage is necessary. A prompt message like, "What kind of health-supporting insurance is suitable for a user who has started exercising?" might be used.

[0199] As described above, this invention streamlines the complex insurance selection process through a robot in the home and provides users with appropriate insurance solutions.

[0200] The flow of a specific process in Application Example 2 will be explained using Figure 14.

[0201] Step 1:

[0202] Users input data about their lifestyle, health information, and life events through a robotic device in their home. This input is collected via a voice system. The input data is temporarily stored within the robotic device and prepared for transmission to a server.

[0203] Step 2:

[0204] The robotic device transmits collected user data to a server in the cloud. A secure communication protocol is used to ensure data security. The server analyzes the received data and converts user information into a standardized format. This allows for consistent handling of data from different users.

[0205] Step 3:

[0206] The server retrieves insurance product information from an external database. This information includes the fees, coverage, and special clauses for each insurance plan. The server organizes and stores this information in an internal database. This process provides the foundation for effectively comparing multiple insurance products.

[0207] Step 4:

[0208] The server uses a generative AI model to match standardized user information with organized insurance product information. Specifically, the AI ​​model performs complex data matching based on prompts to search for and suggest the insurance plan best suited to the user's lifestyle and needs. The output identifies the optimal insurance plan.

[0209] Step 5:

[0210] The server uses an emotion analysis model to evaluate the user's emotional data and customize the insurance plan. Based on the input emotional information, it adjusts the proposed insurance plan to provide content that matches the user's mood. For example, if the user is feeling anxious, it will emphasize insurance plan information that provides reassurance.

[0211] Step 6:

[0212] Optimized insurance plan suggestions are presented to the user via a robotic device from a server. The presentation uses voice and an in-home display, providing information in a user-friendly format. Specific plan details and their benefits are explained here.

[0213] Step 7:

[0214] Users select and provide feedback on the presented insurance plans via a robotic device, which is then sent to the server. The server analyzes the user's feedback to improve the accuracy of future recommendations, which are then used to inform subsequent recommendations. This allows for continuously better, more personalized recommendations.

[0215] The specific processing unit 290 transmits the result of the specific processing to the smart device 14. In the smart device 14, the control unit 46A causes the output device 40 to output the result of the specific processing. The microphone 38B acquires audio indicating user input for the result of the specific processing. The control unit 46A transmits the audio data indicating user input acquired by the microphone 38B to the data processing device 12. In the data processing device 12, the specific processing unit 290 acquires the audio data.

[0216] Data generation model 58 is a so-called generative AI (Artificial Intelligence). An example of data generation model 58 is ChatGPT (registered trademark) (Internet search).<URL: https: / / openai.com / blog / chatgpt> ), Gemini (registered trademark) (Internet search) <url: https: gemini.google.com ?hl="ja">Examples of generative AI include the following. The data generation model 58 is obtained by performing deep learning on a neural network. The data generation model 58 is input with prompts containing instructions, and with inference data such as audio data representing speech, text data representing text, and image data representing images. The data generation model 58 infers from the input inference data according to the instructions indicated by the prompts, and outputs the inference results in data formats such as audio data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization.

[0217] In the above embodiment, an example was given in which specific processing is performed by the data processing device 12, but the technology of this disclosure is not limited thereto, and the specific processing may also be performed by the smart device 14.

[0218] [Second Embodiment]

[0219] Figure 3 shows an example of the configuration of the data processing system 210 according to the second embodiment.

[0220] As shown in Figure 3, the data processing system 210 includes a data processing device 12 and smart glasses 214. An example of the data processing device 12 is a server.

[0221] The data processing device 12 comprises a computer 22, a database 24, and a communication interface 26. The computer 22 is an example of a "computer" related to the technology of this disclosure. The computer 22 comprises a processor 28, RAM 30, and storage 32. The processor 28, RAM 30, and storage 32 are connected to a bus 34. The database 24 and the communication interface 26 are also connected to the bus 34. The communication interface 26 is connected to a network 54. An example of the network 54 is a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[0222] The smart glasses 214 include a computer 36, a microphone 238, a speaker 240, a camera 42, and a communication interface 44. The computer 36 includes a processor 46, RAM 48, and storage 50. The processor 46, RAM 48, and storage 50 are connected to a bus 52. The microphone 238, speaker 240, and camera 42 are also connected to the bus 52.

[0223] The microphone 238 receives voice signals from the user 20 and receives instructions from the user 20. The microphone 238 captures the voice signals from the user 20, converts the captured voice into audio data, and outputs it to the processor 46. The speaker 240 outputs audio according to the instructions from the processor 46.

[0224] Camera 42 is a small digital camera equipped with an optical system including a lens, aperture, and shutter, and an image sensor such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor, and captures images of the area around the user 20 (for example, an imaging range defined by a field of view equivalent to the width of a typical healthy person's field of vision).

[0225] Communication interface 44 is connected to network 54. Communication interfaces 44 and 26 are responsible for the exchange of various information between processor 46 and processor 28 via network 54. The exchange of various information between processor 46 and processor 28 using communication interfaces 44 and 26 is performed in a secure manner.

[0226] Figure 4 shows an example of the main functions of the data processing device 12 and the smart glasses 214. As shown in Figure 4, the data processing device 12 performs specific processing using the processor 28. The storage 32 stores the specific processing program 56.

[0227] The specific processing program 56 is an example of a "program" relating to the technology of this disclosure. The processor 28 reads the specific processing program 56 from the storage 32 and executes the read specific processing program 56 on the RAM 30. The specific processing is realized by the processor 28 operating as a specific processing unit 290 in accordance with the specific processing program 56 executed on the RAM 30.

[0228] The storage 32 stores the data generation model 58 and the emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[0229] In the smart glasses 214, the processor 46 performs the reception output processing. The storage 50 stores the reception output program 60. The processor 46 reads the reception output program 60 from the storage 50 and executes the read reception output program 60 on the RAM 48. The reception output processing is realized by the processor 46 operating as a control unit 46A according to the reception output program 60 executed on the RAM 48.

[0230] Next, the identification processing performed by the identification processing unit 290 of the data processing device 12 will be described. In the following description, the data processing device 12 will be referred to as the "server" and the smart glasses 214 will be referred to as the "terminal".

[0231] The system for implementing the present invention begins by providing an interface that allows the user to input information such as their lifestyle, health status, income, and family structure from a terminal. The terminal transmits this information to a server using a secure protocol. The server analyzes the received data and converts it into a standardized format. This allows for the unified handling of information in different data formats.

[0232] The server also retrieves detailed information about insurance products from external insurance companies and databases. This retrieved information is organized and stored in the database, compiled as detailed information for each insurance plan. This includes elements such as rates, coverage, and special clauses.

[0233] Using generation AI, the server matches standardized user data with insurance product information. This AI technology performs data analysis and matching to find the plan best suited to the user. For example, based on the user's health information, insurance with generous coverage for specific illnesses may be suggested.

[0234] Users can receive and review detailed information about proposed insurance plans from the server via their device. For the selected plan, the server guides the user through each step of the contract process. This guidance allows users to easily complete the contract.

[0235] Furthermore, the server receives information about the user's life events (such as marriage, childbirth, or changing jobs) and provides a function to review the insurance plan accordingly. Based on this information, the server proposes a new insurance plan that suits the newly arising needs, continuously providing the user with the best possible option.

[0236] For example, if a user changes their family structure from their device (e.g., adds a child due to birth), the server reviews their existing insurance plan based on this information and proposes the optimal insurance plan that covers the entire family. This ensures that the user always has the necessary coverage as their circumstances change.

[0237] The following describes the processing flow.

[0238] Step 1:

[0239] Users use their devices to input information about their lifestyle, health status, income, and family structure. This information is then sent from the device to the server.

[0240] Step 2:

[0241] The server analyzes the received user information and converts it into a standardized format. This ensures consistency even when data is entered in various formats.

[0242] Step 3:

[0243] The server retrieves insurance product information from external insurance companies and databases. It uses APIs and data feeds to collect plan details, obtaining information including rates, coverage, and special clauses for each insurance plan.

[0244] Step 4:

[0245] The server stores the acquired insurance product information in a database. Here, the information for each insurance plan is organized and categorized for easy searching and comparison.

[0246] Step 5:

[0247] The server uses generated AI to match standardized user information with insurance product information. This allows it to select the insurance plan that best suits the user's needs.

[0248] Step 6:

[0249] The server generates a clear, natural language explanation of the selected insurance plan and sends it to the terminal.

[0250] Step 7:

[0251] The user reviews the details of the proposed insurance plan on their device. Based on the proposal, they select the appropriate plan.

[0252] Step 8:

[0253] The server guides the user through the contract process for the insurance plan they have selected. It directs the user through the necessary paperwork and procedural steps.

[0254] Step 9:

[0255] The server periodically receives user life event information and reviews insurance plans if changes occur. By proposing a new plan that meets new needs, it ensures that the user's insurance remains optimal.

[0256] (Example 1)

[0257] Next, we will describe Example 1. In the following description, the data processing device 12 will be referred to as the "server," and the smart glasses 214 will be referred to as the "terminal."

[0258] In recent years, there has been a growing demand for prompt and accurate proposals of optimal insurance and service plans based on diverse life events and individual needs. However, conventional systems have faced challenges in providing users with the best choices, as standardizing information and re-evaluating plans requires considerable effort and time.

[0259] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 1 is realized by the following means.

[0260] In this invention, the server includes a user interface means for inputting information, means for encrypting and transmitting the information, and means for analyzing the received information and converting it into a format. This makes it possible to process diverse information quickly and accurately and propose the optimal product plan that meets the user's needs.

[0261] "User interface means for inputting information" refers to a system component that enables users to accurately input personal information, life events, and other data.

[0262] "Means for encrypting and transmitting the information" refers to technology for encrypting information received from users from a security standpoint and securely transmitting it to the server.

[0263] "Means of analyzing received information and converting it into a format" refers to the process by which a server receives transmitted information and converts data in different formats into a unified, manageable format.

[0264] "Means of obtaining product information from external sources" refers to methods for gathering necessary product information from external databases, APIs, etc.

[0265] "A means of analyzing user information and product information using generative artificial intelligence" refers to a process that utilizes AI technology to match user characteristics with product data and derive an optimized plan.

[0266] "Methods for re-evaluating product plans based on user event information" refers to methods for re-evaluating existing plans to reflect the latest changes in users' life events, etc.

[0267] The following describes embodiments for carrying out the present invention. This system provides an interface for users to input information such as their lifestyle, health status, income, and family structure. The terminal transmits the input information to the server using a secure protocol such as HTTPS. The server uses a database management system and data analysis software to analyze the received information and convert it into a standardized format. This makes it possible to organize and manage diverse data formats in a unified manner.

[0268] The server also utilizes API technology to retrieve insurance product information from external sources. The retrieved information is organized and stored in an internal database, forming detailed information for each product plan. In this process, the product information includes details such as rates, coverage, and special clauses, and is organized by the database management system.

[0269] Utilizing a generative AI model, the server analyzes standardized user data and product information. This identifies the optimal product plan and proposes it to the user using generated prompt messages. The generative AI model employs machine learning algorithms to find the best plan for each user. An example of a prompt message would be, "Please suggest an appropriate insurance plan based on the user's health information and changes in family structure."

[0270] Users can view the details of the product plans proposed by the server through their device. The server provides a guide to the contract procedure based on the plan selected by the user, making it easy for the user to conclude a contract.

[0271] Furthermore, whenever the server receives information about a user's life events, it re-evaluates the existing plan and updates it as needed. This update involves a generative AI model, ensuring that the user always receives optimized options. For example, if a user notifies the server of a change in family structure via their device, the server can use this information to review the existing insurance plan and propose a new, optimal plan, thus responding to changing needs.

[0272] The flow of the specific processing in Example 1 will be explained using Figure 11.

[0273] Step 1:

[0274] Users input information such as their lifestyle, health status, income, and family structure into the terminal's interface. The terminal then transmits this information to the server in an encrypted format using a secure protocol such as HTTPS. This ensures data security and prevents unauthorized access from external sources.

[0275] Step 2:

[0276] The server receives encrypted information from the terminal, parses it, and converts it into a standardized format. Specifically, it converts different data formats to JSON format, applies a schema, and verifies data integrity. The input in this process is encrypted user information, and the output is parsed standardized data.

[0277] Step 3:

[0278] The server retrieves insurance product information via an external API. This retrieved data includes rates, coverage details, and special clauses. The server organizes this information in an internal database and creates indexes for efficient access. In this case, the input is raw data from the external API, and the output is indexed database records.

[0279] Step 4:

[0280] The server uses a generative AI model to match standardized user data with acquired insurance product information to identify the optimal insurance plan. This process uses machine learning algorithms to analyze the product best suited to the user's needs and generate a proposed plan. The input is user data and product information, and the output is an optimized insurance plan.

[0281] Step 5:

[0282] The user views the details of the insurance plans proposed by the server via their device. The user can compare the fees and coverage of the displayed plans and make a selection as needed. In this step, the proposed plans from the server are the input, and the user's selection is the output.

[0283] Step 6:

[0284] When the server receives the user's life event information, it re-evaluates the existing insurance plan. In this step, the generative AI model is reused to provide recommendations for proposing a plan that suits the new situation. As a result, an optimal product plan is always provided according to the life event. The input is the life event information, and the output is the re-evaluated insurance plan.

[0285] (Application Example 1)

[0286] Next, Application Example 1 will be described. In the following description, the data processing device 12 is referred to as the "server", and the smart glasses 214 are referred to as the "terminal".

[0287] Providing an optimal insurance plan to users according to modern complex lifestyle habits and various user life events is difficult. Furthermore, it is required to efficiently execute the adjustment of the insurance plan according to the user's needs and the immediate processing of settlements in one system, but it is difficult to achieve this integrally and immediately with the current system.

[0288] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 1 is realized by the following means.

[0289] In this invention, the server includes a user information acquisition device, a device for standardizing the user information, and a device for acquiring insurance product information. As a result, data collection and processing based on the user's various lifestyles become possible. In addition, it includes a device for collating user information and insurance product information using generative AI to present an optimal insurance plan, a device for presenting the presented insurance plan to the user, a device for adjusting the insurance plan according to the user's life event, and a device for performing immediate settlement through a payment processing device. As a result, real-time presentation of an optimal insurance plan according to the user's needs and immediate processing of settlements become possible.

[0290] The "user information acquisition device" is a means for inputting and capturing information such as the user's lifestyle and health status from the user.

[0291] A "standardization device" is a means of processing acquired user information to convert it into a unified format.

[0292] A "device for acquiring insurance product information" is a means of obtaining detailed information about insurance products from external databases or insurance companies.

[0293] A "device for storing and organizing information in a database structure" is a means of systematically managing acquired insurance product information and retaining it in preparation for subsequent processing.

[0294] A "device that uses generated AI for matching" is a means of utilizing AI technology to analyze user information and insurance product information and find the optimal combination.

[0295] The "presentation device" is a means of displaying insurance plans proposed by AI in an easy-to-understand manner for the user.

[0296] A "modification device" is a means of re-evaluating existing insurance plans and making necessary modifications in response to changes in the user's life events.

[0297] A "device that performs instant settlement through a payment processing device" is a means of quickly making payments for presented insurance plans using electronic payment functions.

[0298] This invention begins with a user inputting information such as their lifestyle, health status, income, and family structure using a smartphone or other device. The device transmits this information to a server using a secure protocol, and the server analyzes the user information and converts it into a unified data format using a standardization device. Next, the server collects necessary data by utilizing devices that retrieve detailed information on insurance products from insurance companies and other databases.

[0299] This information is stored and managed in a database structure. The generating AI matches standardized user information with insurance product information and uses algorithms to create the most suitable insurance plan for the user. The presentation device displays this proposal to the user on their terminal. Furthermore, in response to the user's life events, the adjustment device allows for a review of the insurance plan and, if necessary, presents a new plan.

[0300] Furthermore, users can make immediate payments for their chosen insurance plans using a payment processing device via their terminal. This system configuration allows users to quickly and efficiently select and apply for insurance plans that suit their lifestyle. For example, if a user experiences childbirth, they can immediately review and complete the payment for a family insurance plan appropriate for that event.

[0301] By using a generative AI model, it is possible to provide user-specific information by utilizing prompts such as, "Please recommend the best insurance plan for our newly arrived family. Ideally, it should be customizable to our lifestyle and have easy payment options."

[0302] The flow of a specific process in Application Example 1 will be explained using Figure 12.

[0303] Step 1:

[0304] Users input personal information such as lifestyle, health status, income, and family structure through their device. The device then transmits this data to the server using a secure protocol. This ensures that the input data is transferred to the server.

[0305] Step 2:

[0306] The server analyzes the received user information using a standardization device and converts it into a unified data format. Specifically, it converts data in different formats into a comparable format and arranges it into a structure suitable for a database.

[0307] Step 3:

[0308] The server collects details of insurance products using a device that acquires insurance product information from external insurance companies or databases. Here, the latest insurance product information is automatically acquired using an API or the like. Also, in this way, detailed elements such as premiums and compensation details are prepared as data.

[0309] Step 4:

[0310] The server saves the acquired insurance product information in a database structure and arranges it as necessary. This enables efficient access and prepares for subsequent processing by AI.

[0311] Step 5:

[0312] The generative AI collates user information and insurance product information to generate an optimal insurance plan. In this process, based on the user information, the merits and demerits of each insurance product are compared and considered, and the most appropriate proposal is created by an algorithm.

[0313] Step 6:

[0314] The presentation device displays the generated insurance plan to the user on the terminal. This enables the user to check multiple options and select an insurance plan that suits their needs.

[0315] Step 7:

[0316] When the user's life event is updated, the adjustment device re-evaluates the content and generates a new plan as necessary. Here, additional data comparison and analysis based on the new information are performed, and a timely re-proposal is made to the user.

[0317] Step 8:

[0318] The payment processing unit processes the payment instantly via the terminal for the insurance plan selected by the user. The payment is securely completed through the payment platform, and the contract is concluded.

[0319] Furthermore, an emotion engine that estimates the user's emotions may be incorporated. That is, the identification processing unit 290 may use the emotion identification model 59 to estimate the user's emotions and perform identification processing using the user's emotions.

[0320] The system for implementing the present invention is initiated when a user inputs information about their lifestyle, health status, income, and family structure via a terminal. This information is transmitted to a server via the terminal. The server analyzes the received user information, converts it to a standard format, and treats it as unified data.

[0321] The server retrieves insurance product information from external insurance companies or databases, organizes this information, and stores it in the database. It records detailed information on the rates, coverage, and special clauses for each insurance plan, facilitating comparison and searching.

[0322] The generating AI identifies the most suitable insurance plan for the user by matching standardized user information with collected insurance product information. The server generates a clear and easy-to-understand insurance plan proposal in natural language and sends it to the user's device. The user reviews the proposed insurance plan on their device and understands the details.

[0323] In particular, this invention allows a server to recognize the emotions expressed by the user through input information by combining it with an emotion engine. The server can use this emotion information to adjust the proposed insurance plan based on the user's mood and state. For example, if it is determined that the user is not ready to accept the proposal, the server may provide more educational information or explanations of the risks.

[0324] Furthermore, the server analyzes user feedback, taking into account their emotions and opinions, to improve the accuracy of future system responses and insurance plan suggestions. In this way, the system provides users with more appropriate support and continuously assists them in selecting the optimal plan.

[0325] For example, if a user reports the birth of a new child, the server recognizes this event and, through its emotion engine, determines that the user wants to feel secure and financially prepared. In response, it suggests a more comprehensive family insurance plan, emphasizing the peace of mind that additional coverage provides. This process allows users to choose appropriate insurance for their new life stage.

[0326] The following describes the processing flow.

[0327] Step 1:

[0328] Users use their devices to input information about their lifestyle, health status, income, and family structure. This information is then sent from the device to the server.

[0329] Step 2:

[0330] The server analyzes the received user information and converts it into a standardized format. This ensures that the information is handled within the system in a consistent format.

[0331] Step 3:

[0332] The server retrieves insurance product information from insurance companies and related databases. The information collected through APIs and data feeds is organized into details, including rates, coverage, and special terms and conditions.

[0333] Step 4:

[0334] The emotion engine analyzes user input and interactions to estimate the user's emotional state. The server receives this emotional information and makes it available within the system.

[0335] Step 5:

[0336] Using generative AI, the server matches standardized user information with insurance product information. Furthermore, it takes emotional information into account to identify the most suitable insurance plan for the user in an adjusted form.

[0337] Step 6:

[0338] The server generates a tailored insurance plan proposal as a natural language description that reflects emotional elements, and sends it to the terminal.

[0339] Step 7:

[0340] Users review the proposed insurance plan on their device and understand the details. They can provide comments and feedback as needed.

[0341] Step 8:

[0342] The server collects user feedback and analyzes it through an emotion engine. This feedback is then used to improve the accuracy of the system's responses and suggestions.

[0343] Step 9:

[0344] The server periodically receives information about the user's life events and, as needed, reviews or re-proposes insurance plans to help the user select the optimal plan that responds to changes in their circumstances.

[0345] (Example 2)

[0346] Next, we will describe Example 2. In the following description, the data processing device 12 will be referred to as the "server" and the smart glasses 214 will be referred to as the "terminal".

[0347] In information provision systems, the challenge lies in presenting optimal product plans that reflect the individual needs and emotional states of users, and in continuously improving the accuracy of these suggestions through feedback.

[0348] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means.

[0349] In this invention, the server includes a device for inputting user information, a device for converting said user information into a standard format, and a device for acquiring product information from an external information source. This makes it possible to provide an optimal product plan based on the user's individual needs, while also adjusting and improving the accuracy of suggestions based on emotional state and feedback.

[0350] "User information" refers to personal information provided by the user, such as lifestyle, health status, income, and family structure.

[0351] A "standard format" refers to the rules and formats used to unify data from different formats into a consistent format.

[0352] "External information sources" refer to external insurance company databases and other online information providers that are accessed to obtain information.

[0353] "Product information" refers to detailed information about insurance plans and products, including their names, fees, and coverage, obtained from external sources.

[0354] A "generative AI model" is an artificial intelligence model used to analyze user information and product information to generate and propose the optimal product plan.

[0355] A "user device" refers to a terminal, such as a smartphone or personal computer, that a user uses to input information and review proposed plans.

[0356] "Emotional state" refers to information about the user's current mood and emotional state, extracted from the user's input data.

[0357] "Feedback" refers to opinions and impressions provided by users based on their experience using the system, and is used to improve future proposals.

[0358] The system of this invention begins with the user entering their personal information into a terminal. The user enters personal information such as lifestyle, health status, income, and family structure, and this data is transmitted to the server via the terminal. The entered information is encrypted on the terminal using a secure communication method. The server receives this information and converts it into a standard format using data analysis software. For example, a Python data analysis library can be used.

[0359] The server also retrieves product information from external sources, such as insurance company APIs and databases. This retrieved product information is organized and stored on the server using a database management system (e.g., MySQL or PostgreSQL). Based on this organized information, a generative AI model (e.g., GPT or BERT) matches the user's information with the product information to generate the optimal plan.

[0360] The generated product plan is structured by the server in natural language and communicated to the user, and finally sent to the device. The user reviews the proposed plan through the device and considers it as needed. During this process, the emotion engine analyzes the user's reactions and state, and adjusts the plan or provides additional information.

[0361] As a concrete example, if a user enters a life event such as marriage on their device, the server will use an AI model to generate suggestions for family insurance plans based on this input. In doing so, it will provide explanations tailored to the user's interests and preferences to assist them in making a selection.

[0362] An example of a prompt message is, "Propose the optimal family insurance plan for a user who is about to get married, and explain the peace of mind that the additional coverage provides." This allows the user to make an appropriate choice based on specific life events.

[0363] The flow of the specific processing in Example 2 will be explained using Figure 13.

[0364] Step 1:

[0365] Users enter personal information such as their lifestyle, health status, income, and family structure into the device. This information is transmitted to the server through the device's interface. The device encrypts the information and transmits the data using a secure communication protocol.

[0366] Step 2:

[0367] The server decodes user information received from the terminal and converts it to a standard format. Since the input data, such as date of birth and income information, may be entered in different formats, data analysis software (e.g., a Python library) is used to standardize it into a unified format. This results in standardized data that is easy to handle in subsequent processing.

[0368] Step 3:

[0369] The server retrieves product information from external sources. It extracts insurance plan information from insurance company databases via APIs. This process uses SQL queries and other methods to obtain necessary data (prices, coverage details), which is then organized and stored in the server's database.

[0370] Step 4:

[0371] The server inputs standardized user information and organized product information into a generating AI model. The model uses machine learning algorithms to analyze and identify the product plan best suited to the user's needs. Here, the plan that meets the criteria is output as an effective suggestion.

[0372] Step 5:

[0373] The server structures the generated product plan proposals in easy-to-understand natural language and sends them to the terminal. It utilizes the natural language processing capabilities of the generation AI model to format the proposals in a user-friendly way before outputting them to the terminal.

[0374] Step 6:

[0375] The user reviews the proposed product plan through their device. If the user considers the proposal and has further information or questions, they can request additional information through the interface.

[0376] Step 7:

[0377] The server uses an emotion engine to analyze user feedback. The feedback provided by users is analyzed through text to detect emotional states and satisfaction levels, and then stored in a database to improve future service offerings.

[0378] (Application Example 2)

[0379] Next, we will explain application example 2. In the following explanation, the data processing device 12 will be referred to as the "server" and the smart glasses 214 as the "terminal".

[0380] There is a need to make it easier for users to choose the optimal insurance plan that suits their lifestyle and emotions. However, conventional systems have problems in that they have difficulty customizing to respond to the emotions expressed by users and their daily lives at home, and therefore do not adequately offer suggestions that meet individual needs.

[0381] The specific processing performed by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means.

[0382] In this invention, the server includes means for standardizing user information, means for storing and organizing insurance product information in a database, means for comparing user information and insurance product information using generating AI to propose the optimal insurance plan, means for analyzing the user's emotions to customize the insurance plan, and means for presenting information via a device for managing daily life within the home. This makes it possible to propose flexible and optimal insurance plans that are tailored to the user's daily life and emotions.

[0383] "User information" refers to information about the user's lifestyle, health status, income, and family structure.

[0384] "Standardization" is the process of analyzing received user information and converting it into a consistent format.

[0385] "Insurance product information" refers to detailed information about the rates, coverage, and special conditions of each insurance plan, obtained from the insurance company or a database.

[0386] A "database" is an information management system that organizes and stores insurance product information to facilitate subsequent comparison and searching.

[0387] "Generative AI" is an artificial intelligence technology that matches user information with insurance product information to identify the optimal insurance plan.

[0388] "Emotion analysis" is a process that recognizes emotions expressed through information input by the user and adjusts the suggested content based on the user's mood and state.

[0389] "Devices that manage daily life within the home" refers to household robots and digital assistants that present information while interacting with the user.

[0390] The system for implementing this invention uses a consumer robot to propose an optimal insurance plan tailored to the user's lifestyle and emotions. Specific embodiments are shown below.

[0391] Users input information such as their health status, life events, and emotions through a robotic device installed in their home. This robot is equipped with high-performance sensors and cameras, and acquires information from the user's voice and actions. The information from the user is transmitted to a server in real time via the robotic device.

[0392] The server uses a cloud-based data analysis platform to convert user information into a standard format and integrate it with organized insurance product information. During this process, an AI-generated model, such as a natural language processing engine (e.g., OpenAI's GPT series), is used to analyze the user information and identify the optimal insurance plan.

[0393] If user information includes emotional data, the server uses an emotional recognition model (for example, Google Cloud's Natural Language API) to analyze the user's emotions and customize the insurance plan. For example, if the user is feeling stressed, the server will provide information on insurance products that can help reduce stress.

[0394] The analyzed insurance plans are presented to the user in easy-to-understand natural language. When presenting the information to the user, the robot uses a home display and shares information via a voice interface. This information is presented as prompts tailored to the user's life stage.

[0395] As a concrete example, consider a prompt message in which a user inputs information such as, "I recently started exercising, but I need to review my insurance to ensure it's appropriate." In this case, the generating AI model searches for exercise-related insurance plans and suggests to the user what kind of coverage is necessary. A prompt message like, "What kind of health-supporting insurance is suitable for a user who has started exercising?" might be used.

[0396] As described above, this invention streamlines the complex insurance selection process through a robot in the home and provides users with appropriate insurance solutions.

[0397] The flow of a specific process in Application Example 2 will be explained using Figure 14.

[0398] Step 1:

[0399] Users input data about their lifestyle, health information, and life events through a robotic device in their home. This input is collected via a voice system. The input data is temporarily stored within the robotic device and prepared for transmission to a server.

[0400] Step 2:

[0401] The robotic device transmits collected user data to a server in the cloud. A secure communication protocol is used to ensure data security. The server analyzes the received data and converts user information into a standardized format. This allows for consistent handling of data from different users.

[0402] Step 3:

[0403] The server retrieves insurance product information from an external database. This information includes the fees, coverage, and special clauses for each insurance plan. The server organizes and stores this information in an internal database. This process provides the foundation for effectively comparing multiple insurance products.

[0404] Step 4:

[0405] The server uses a generative AI model to match standardized user information with organized insurance product information. Specifically, the AI ​​model performs complex data matching based on prompts to search for and suggest the insurance plan best suited to the user's lifestyle and needs. The output identifies the optimal insurance plan.

[0406] Step 5:

[0407] The server uses an emotion analysis model to evaluate the user's emotional data and customize the insurance plan. Based on the input emotional information, it adjusts the proposed insurance plan to provide content that matches the user's mood. For example, if the user is feeling anxious, it will emphasize insurance plan information that provides reassurance.

[0408] Step 6:

[0409] Optimized insurance plan suggestions are presented to the user via a robotic device from a server. The presentation uses voice and an in-home display, providing information in a user-friendly format. Specific plan details and their benefits are explained here.

[0410] Step 7:

[0411] Users select and provide feedback on the presented insurance plans via a robotic device, which is then sent to the server. The server analyzes the user's feedback to improve the accuracy of future recommendations, which are then used to inform subsequent recommendations. This allows for continuously better, more personalized recommendations.

[0412] The specific processing unit 290 transmits the result of the specific processing to the smart glasses 214. In the smart glasses 214, the control unit 46A causes the speaker 240 to output the result of the specific processing. The microphone 238 acquires audio indicating user input for the result of the specific processing. The control unit 46A transmits the audio data indicating user input acquired by the microphone 238 to the data processing unit 12. In the data processing unit 12, the specific processing unit 290 acquires the audio data.

[0413] Data generation model 58 is a type of so-called generative AI (Artificial Intelligence). One example of data generation model 58 is ChatGPT (Internet search<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search) <url: https: gemini.google.com ?hl="ja">Examples of generative AI include the following. The data generation model 58 is obtained by performing deep learning on a neural network. The data generation model 58 is input with prompts containing instructions, and with inference data such as audio data representing speech, text data representing text, and image data representing images. The data generation model 58 infers from the input inference data according to the instructions indicated by the prompts, and outputs the inference results in data formats such as audio data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization.

[0414] In the above embodiment, an example was given in which specific processing is performed by the data processing device 12, but the technology of this disclosure is not limited thereto, and the specific processing may also be performed by the smart glasses 214.

[0415] [Third Embodiment]

[0416] Figure 5 shows an example of the configuration of the data processing system 310 according to the third embodiment.

[0417] As shown in Figure 5, the data processing system 310 includes a data processing device 12 and a headset terminal 314. An example of the data processing device 12 is a server.

[0418] The data processing device 12 comprises a computer 22, a database 24, and a communication interface 26. The computer 22 is an example of a "computer" related to the technology of this disclosure. The computer 22 comprises a processor 28, RAM 30, and storage 32. The processor 28, RAM 30, and storage 32 are connected to a bus 34. The database 24 and the communication interface 26 are also connected to the bus 34. The communication interface 26 is connected to a network 54. An example of the network 54 is a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[0419] The headset terminal 314 includes a computer 36, a microphone 238, a speaker 240, a camera 42, a communication interface 44, and a display 343. The computer 36 includes a processor 46, RAM 48, and storage 50. The processor 46, RAM 48, and storage 50 are connected to a bus 52. The microphone 238, speaker 240, camera 42, and display 343 are also connected to the bus 52.

[0420] The microphone 238 receives voice signals from the user 20 and receives instructions from the user 20. The microphone 238 captures the voice signals from the user 20, converts the captured voice into audio data, and outputs it to the processor 46. The speaker 240 outputs audio according to the instructions from the processor 46.

[0421] Camera 42 is a small digital camera equipped with an optical system including a lens, aperture, and shutter, and an image sensor such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor, and captures images of the area around the user 20 (for example, an imaging range defined by a field of view equivalent to the width of a typical healthy person's field of vision).

[0422] Communication interface 44 is connected to network 54. Communication interfaces 44 and 26 are responsible for the exchange of various information between processor 46 and processor 28 via network 54. The exchange of various information between processor 46 and processor 28 using communication interfaces 44 and 26 is performed in a secure manner.

[0423] Figure 6 shows an example of the main functions of the data processing device 12 and the headset terminal 314. As shown in Figure 6, the data processing device 12 performs specific processing using the processor 28. The storage 32 stores the specific processing program 56.

[0424] The specific processing program 56 is an example of a "program" relating to the technology of this disclosure. The processor 28 reads the specific processing program 56 from the storage 32 and executes the read specific processing program 56 on the RAM 30. The specific processing is realized by the processor 28 operating as a specific processing unit 290 in accordance with the specific processing program 56 executed on the RAM 30.

[0425] The storage 32 stores the data generation model 58 and the emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[0426] In the headset terminal 314, the processor 46 performs the reception output processing. The storage 50 stores the reception output program 60. The processor 46 reads the reception output program 60 from the storage 50 and executes the read reception output program 60 on the RAM 48. The reception output processing is realized by the processor 46 operating as a control unit 46A according to the reception output program 60 executed on the RAM 48.

[0427] Next, the specific processing performed by the specific processing unit 290 of the data processing device 12 will be described. In the following description, the data processing device 12 will be referred to as the "server" and the headset terminal 314 will be referred to as the "terminal".

[0428] The system for implementing the present invention begins by providing an interface that allows the user to input information such as their lifestyle, health status, income, and family structure from a terminal. The terminal transmits this information to a server using a secure protocol. The server analyzes the received data and converts it into a standardized format. This allows for the unified handling of information in different data formats.

[0429] The server also retrieves detailed information about insurance products from external insurance companies and databases. This retrieved information is organized and stored in the database, compiled as detailed information for each insurance plan. This includes elements such as rates, coverage, and special clauses.

[0430] Using generation AI, the server matches standardized user data with insurance product information. This AI technology performs data analysis and matching to find the plan best suited to the user. For example, based on the user's health information, insurance with generous coverage for specific illnesses may be suggested.

[0431] Users can receive and review detailed information about proposed insurance plans from the server via their device. For the selected plan, the server guides the user through each step of the contract process. This guidance allows users to easily complete the contract.

[0432] Furthermore, the server receives information about the user's life events (such as marriage, childbirth, or changing jobs) and provides a function to review the insurance plan accordingly. Based on this information, the server proposes a new insurance plan that suits the newly arising needs, continuously providing the user with the best possible option.

[0433] For example, if a user changes their family structure from their device (e.g., adds a child due to birth), the server reviews their existing insurance plan based on this information and proposes the optimal insurance plan that covers the entire family. This ensures that the user always has the necessary coverage as their circumstances change.

[0434] The following describes the processing flow.

[0435] Step 1:

[0436] Users use their devices to input information about their lifestyle, health status, income, and family structure. This information is then sent from the device to the server.

[0437] Step 2:

[0438] The server analyzes the received user information and converts it into a standardized format. This ensures consistency even when data is entered in various formats.

[0439] Step 3:

[0440] The server retrieves insurance product information from external insurance companies and databases. It uses APIs and data feeds to collect plan details, obtaining information including rates, coverage, and special clauses for each insurance plan.

[0441] Step 4:

[0442] The server stores the acquired insurance product information in a database. Here, the information for each insurance plan is organized and categorized for easy searching and comparison.

[0443] Step 5:

[0444] The server uses generated AI to match standardized user information with insurance product information. This allows it to select the insurance plan that best suits the user's needs.

[0445] Step 6:

[0446] The server generates a clear, natural language explanation of the selected insurance plan and sends it to the terminal.

[0447] Step 7:

[0448] The user reviews the details of the proposed insurance plan on their device. Based on the proposal, they select the appropriate plan.

[0449] Step 8:

[0450] The server guides the user through the contract process for the insurance plan they have selected. It directs the user through the necessary paperwork and procedural steps.

[0451] Step 9:

[0452] The server periodically receives user life event information and reviews insurance plans if changes occur. By proposing a new plan that meets new needs, it ensures that the user's insurance remains optimal.

[0453] (Example 1)

[0454] Next, we will describe Example 1. In the following description, the data processing device 12 will be referred to as the "server," and the headset-type terminal 314 will be referred to as the "terminal."

[0455] In recent years, there has been a growing demand for prompt and accurate proposals of optimal insurance and service plans based on diverse life events and individual needs. However, conventional systems have faced challenges in providing users with the best choices, as standardizing information and re-evaluating plans requires considerable effort and time.

[0456] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 1 is realized by the following means.

[0457] In this invention, the server includes a user interface means for inputting information, means for encrypting and transmitting the information, and means for analyzing the received information and converting it into a format. This makes it possible to process diverse information quickly and accurately and propose the optimal product plan that meets the user's needs.

[0458] "User interface means for inputting information" refers to a system component that enables users to accurately input personal information, life events, and other data.

[0459] "Means for encrypting and transmitting the information" refers to technology for encrypting information received from users from a security standpoint and securely transmitting it to the server.

[0460] "Means of analyzing received information and converting it into a format" refers to the process by which a server receives transmitted information and converts data in different formats into a unified, manageable format.

[0461] "Means of obtaining product information from external sources" refers to methods for gathering necessary product information from external databases, APIs, etc.

[0462] "A means of analyzing user information and product information using generative artificial intelligence" refers to a process that utilizes AI technology to match user characteristics with product data and derive an optimized plan.

[0463] "Methods for re-evaluating product plans based on user event information" refers to methods for re-evaluating existing plans to reflect the latest changes in users' life events, etc.

[0464] The following describes embodiments for carrying out the present invention. This system provides an interface for users to input information such as their lifestyle, health status, income, and family structure. The terminal transmits the input information to the server using a secure protocol such as HTTPS. The server uses a database management system and data analysis software to analyze the received information and convert it into a standardized format. This makes it possible to organize and manage diverse data formats in a unified manner.

[0465] The server also utilizes API technology to retrieve insurance product information from external sources. The retrieved information is organized and stored in an internal database, forming detailed information for each product plan. In this process, the product information includes details such as rates, coverage, and special clauses, and is organized by the database management system.

[0466] Utilizing a generative AI model, the server analyzes standardized user data and product information. This identifies the optimal product plan and proposes it to the user using generated prompt messages. The generative AI model employs machine learning algorithms to find the best plan for each user. An example of a prompt message would be, "Please suggest an appropriate insurance plan based on the user's health information and changes in family structure."

[0467] Users can view the details of the product plans proposed by the server through their device. The server provides a guide to the contract procedure based on the plan selected by the user, making it easy for the user to conclude a contract.

[0468] Furthermore, whenever the server receives information about a user's life events, it re-evaluates the existing plan and updates it as needed. This update involves a generative AI model, ensuring that the user always receives optimized options. For example, if a user notifies the server of a change in family structure via their device, the server can use this information to review the existing insurance plan and propose a new, optimal plan, thus responding to changing needs.

[0469] The flow of the specific processing in Example 1 will be explained using Figure 11.

[0470] Step 1:

[0471] Users input information such as their lifestyle, health status, income, and family structure into the terminal's interface. The terminal then transmits this information to the server in an encrypted format using a secure protocol such as HTTPS. This ensures data security and prevents unauthorized access from external sources.

[0472] Step 2:

[0473] The server receives encrypted information from the terminal, parses it, and converts it into a standardized format. Specifically, it converts different data formats to JSON format, applies a schema, and verifies data integrity. The input in this process is encrypted user information, and the output is parsed standardized data.

[0474] Step 3:

[0475] The server retrieves insurance product information via an external API. This retrieved data includes rates, coverage details, and special clauses. The server organizes this information in an internal database and creates indexes for efficient access. In this case, the input is raw data from the external API, and the output is indexed database records.

[0476] Step 4:

[0477] The server uses a generative AI model to match standardized user data with acquired insurance product information to identify the optimal insurance plan. This process uses machine learning algorithms to analyze the product best suited to the user's needs and generate a proposed plan. The input is user data and product information, and the output is an optimized insurance plan.

[0478] Step 5:

[0479] The user views the details of the insurance plans proposed by the server via their device. The user can compare the fees and coverage of the displayed plans and make a selection as needed. In this step, the proposed plans from the server are the input, and the user's selection is the output.

[0480] Step 6:

[0481] The server re-evaluates existing insurance plans upon receiving user life event information. In this step, the generative AI model is utilized again to provide recommendations for a plan suited to the new situation. This ensures that the optimal product plan is always provided based on life events. The input is life event information, and the output is the re-evaluated insurance plan.

[0482] (Application Example 1)

[0483] Next, we will explain Application Example 1. In the following explanation, the data processing device 12 will be referred to as the "server," and the headset-type terminal 314 will be referred to as the "terminal."

[0484] Providing users with the optimal insurance plan to suit their increasingly complex lifestyles and diverse life events is challenging. Furthermore, there is a need to efficiently adjust insurance plans to meet user needs and process payments instantly within a single system, but current systems struggle to achieve this in an integrated and immediate manner.

[0485] The specific processing performed by the specific processing unit 290 of the data processing device 12 in Application Example 1 is realized by the following means.

[0486] In this invention, the server includes a user information acquisition device, a device for standardizing the user information, and a device for acquiring insurance product information. This enables data collection and processing based on the diverse lifestyles of users. It also includes a device that uses generating AI to compare user information and insurance product information and present the optimal insurance plan, a device that presents the presented insurance plan to the user, a device that adjusts the insurance plan according to the user's life events, and a device that performs immediate settlement through a payment processing device. This enables real-time presentation of the optimal insurance plan that meets the user's needs and immediate processing of settlements.

[0487] A "user information acquisition device" is a means of inputting and acquiring information from users, such as their lifestyle and health status.

[0488] A "standardization device" is a means of processing acquired user information to convert it into a unified format.

[0489] A "device for acquiring insurance product information" is a means of obtaining detailed information about insurance products from external databases or insurance companies.

[0490] A "device for storing and organizing information in a database structure" is a means of systematically managing acquired insurance product information and retaining it in preparation for subsequent processing.

[0491] A "device that uses generated AI for matching" is a means of utilizing AI technology to analyze user information and insurance product information and find the optimal combination.

[0492] The "presentation device" is a means of displaying insurance plans proposed by AI in an easy-to-understand manner for the user.

[0493] A "modification device" is a means of re-evaluating existing insurance plans and making necessary modifications in response to changes in the user's life events.

[0494] A "device that performs instant settlement through a payment processing device" is a means of quickly making payments for presented insurance plans using electronic payment functions.

[0495] This invention begins with a user inputting information such as their lifestyle, health status, income, and family structure using a smartphone or other device. The device transmits this information to a server using a secure protocol, and the server analyzes the user information and converts it into a unified data format using a standardization device. Next, the server collects necessary data by utilizing devices that retrieve detailed information on insurance products from insurance companies and other databases.

[0496] This information is stored and managed in a database structure. The generating AI matches standardized user information with insurance product information and uses algorithms to create the most suitable insurance plan for the user. The presentation device displays this proposal to the user on their terminal. Furthermore, in response to the user's life events, the adjustment device allows for a review of the insurance plan and, if necessary, presents a new plan.

[0497] Furthermore, users can make immediate payments for their chosen insurance plans using a payment processing device via their terminal. This system configuration allows users to quickly and efficiently select and apply for insurance plans that suit their lifestyle. For example, if a user experiences childbirth, they can immediately review and complete the payment for a family insurance plan appropriate for that event.

[0498] By using a generative AI model, it is possible to provide user-specific information by utilizing prompts such as, "Please recommend the best insurance plan for our newly arrived family. Ideally, it should be customizable to our lifestyle and have easy payment options."

[0499] The flow of a specific process in Application Example 1 will be explained using Figure 12.

[0500] Step 1:

[0501] Users input personal information such as lifestyle, health status, income, and family structure through their device. The device then transmits this data to the server using a secure protocol. This ensures that the input data is transferred to the server.

[0502] Step 2:

[0503] The server analyzes the received user information using a standardization device and converts it into a unified data format. Specifically, it converts data in different formats into a comparable format and arranges it into a structure suitable for a database.

[0504] Step 3:

[0505] The server collects detailed information about insurance products using devices that retrieve insurance product information from external insurance companies and databases. Here, the latest insurance product information is automatically obtained using APIs, etc. This process also prepares detailed elements such as rates and coverage as data.

[0506] Step 4:

[0507] The server stores the acquired insurance product information in a database structure and organizes it as needed. This enables efficient access and prepares the data for subsequent processing by AI.

[0508] Step 5:

[0509] The generating AI matches user information with insurance product information to create the optimal insurance plan. In this process, it compares the advantages and disadvantages of each insurance product based on the user information and uses an algorithm to create the most appropriate proposal.

[0510] Step 6:

[0511] The display device shows the generated insurance plans to the user on their terminal. This allows the user to review multiple options and select the insurance plan that best suits their needs.

[0512] Step 7:

[0513] When a user's life events are updated, the adjustment system re-evaluates the content and generates a new plan as needed. This involves additional data comparisons and analyses based on the new information, leading to timely revised recommendations for the user.

[0514] Step 8:

[0515] The payment processing unit processes the payment instantly via the terminal for the insurance plan selected by the user. The payment is securely completed through the payment platform, and the contract is concluded.

[0516] Furthermore, an emotion engine that estimates the user's emotions may be incorporated. That is, the identification processing unit 290 may use the emotion identification model 59 to estimate the user's emotions and perform identification processing using the user's emotions.

[0517] The system for implementing the present invention is initiated when a user inputs information about their lifestyle, health status, income, and family structure via a terminal. This information is transmitted to a server via the terminal. The server analyzes the received user information, converts it to a standard format, and treats it as unified data.

[0518] The server retrieves insurance product information from external insurance companies or databases, organizes this information, and stores it in the database. It records detailed information on the rates, coverage, and special clauses for each insurance plan, facilitating comparison and searching.

[0519] The generating AI identifies the most suitable insurance plan for the user by matching standardized user information with collected insurance product information. The server generates a clear and easy-to-understand insurance plan proposal in natural language and sends it to the user's device. The user reviews the proposed insurance plan on their device and understands the details.

[0520] In particular, this invention allows a server to recognize the emotions expressed by the user through input information by combining it with an emotion engine. The server can use this emotion information to adjust the proposed insurance plan based on the user's mood and state. For example, if it is determined that the user is not ready to accept the proposal, the server may provide more educational information or explanations of the risks.

[0521] Furthermore, the server analyzes user feedback, taking into account their emotions and opinions, to improve the accuracy of future system responses and insurance plan suggestions. In this way, the system provides users with more appropriate support and continuously assists them in selecting the optimal plan.

[0522] For example, if a user reports the birth of a new child, the server recognizes this event and, through its emotion engine, determines that the user wants to feel secure and financially prepared. In response, it suggests a more comprehensive family insurance plan, emphasizing the peace of mind that additional coverage provides. This process allows users to choose appropriate insurance for their new life stage.

[0523] The following describes the processing flow.

[0524] Step 1:

[0525] Users use their devices to input information about their lifestyle, health status, income, and family structure. This information is then sent from the device to the server.

[0526] Step 2:

[0527] The server analyzes the received user information and converts it into a standardized format. This ensures that the information is handled within the system in a consistent format.

[0528] Step 3:

[0529] The server retrieves insurance product information from insurance companies and related databases. The information collected through APIs and data feeds is organized into details, including rates, coverage, and special terms and conditions.

[0530] Step 4:

[0531] The emotion engine analyzes user input and interactions to estimate the user's emotional state. The server receives this emotional information and makes it available within the system.

[0532] Step 5:

[0533] Using generative AI, the server matches standardized user information with insurance product information. Furthermore, it takes emotional information into account to identify the most suitable insurance plan for the user in an adjusted form.

[0534] Step 6:

[0535] The server generates a tailored insurance plan proposal as a natural language description that reflects emotional elements, and sends it to the terminal.

[0536] Step 7:

[0537] Users review the proposed insurance plan on their device and understand the details. They can provide comments and feedback as needed.

[0538] Step 8:

[0539] The server collects user feedback and analyzes it through an emotion engine. This feedback is then used to improve the accuracy of the system's responses and suggestions.

[0540] Step 9:

[0541] The server periodically receives information about the user's life events and, as needed, reviews or re-proposes insurance plans to help the user select the optimal plan that responds to changes in their circumstances.

[0542] (Example 2)

[0543] Next, we will describe Example 2. In the following description, the data processing device 12 will be referred to as the "server," and the headset-type terminal 314 will be referred to as the "terminal."

[0544] In information provision systems, the challenge lies in presenting optimal product plans that reflect the individual needs and emotional states of users, and in continuously improving the accuracy of these suggestions through feedback.

[0545] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means.

[0546] In this invention, the server includes a device for inputting user information, a device for converting said user information into a standard format, and a device for acquiring product information from an external information source. This makes it possible to provide an optimal product plan based on the user's individual needs, while also adjusting and improving the accuracy of suggestions based on emotional state and feedback.

[0547] "User information" refers to personal information provided by the user, such as lifestyle, health status, income, and family structure.

[0548] A "standard format" refers to the rules and formats used to unify data from different formats into a consistent format.

[0549] "External information sources" refer to external insurance company databases and other online information providers that are accessed to obtain information.

[0550] "Product information" refers to detailed information about insurance plans and products, including their names, fees, and coverage, obtained from external sources.

[0551] A "generative AI model" is an artificial intelligence model used to analyze user information and product information to generate and propose the optimal product plan.

[0552] A "user device" refers to a terminal, such as a smartphone or personal computer, that a user uses to input information and review proposed plans.

[0553] "Emotional state" refers to information about the user's current mood and emotional state, extracted from the user's input data.

[0554] "Feedback" refers to opinions and impressions provided by users based on their experience using the system, and is used to improve future proposals.

[0555] The system of this invention begins with the user entering their personal information into a terminal. The user enters personal information such as lifestyle, health status, income, and family structure, and this data is transmitted to the server via the terminal. The entered information is encrypted on the terminal using a secure communication method. The server receives this information and converts it into a standard format using data analysis software. For example, a Python data analysis library can be used.

[0556] The server also retrieves product information from external sources, such as insurance company APIs and databases. This retrieved product information is organized and stored on the server using a database management system (e.g., MySQL or PostgreSQL). Based on this organized information, a generative AI model (e.g., GPT or BERT) matches the user's information with the product information to generate the optimal plan.

[0557] The generated product plan is structured by the server in natural language and communicated to the user, and finally sent to the device. The user reviews the proposed plan through the device and considers it as needed. During this process, the emotion engine analyzes the user's reactions and state, and adjusts the plan or provides additional information.

[0558] As a concrete example, if a user enters a life event such as marriage on their device, the server will use an AI model to generate suggestions for family insurance plans based on this input. In doing so, it will provide explanations tailored to the user's interests and preferences to assist them in making a selection.

[0559] An example of a prompt message is, "Propose the optimal family insurance plan for a user who is about to get married, and explain the peace of mind that the additional coverage provides." This allows the user to make an appropriate choice based on specific life events.

[0560] The flow of the specific processing in Example 2 will be explained using Figure 13.

[0561] Step 1:

[0562] Users enter personal information such as their lifestyle, health status, income, and family structure into the device. This information is transmitted to the server through the device's interface. The device encrypts the information and transmits the data using a secure communication protocol.

[0563] Step 2:

[0564] The server decodes user information received from the terminal and converts it to a standard format. Since the input data, such as date of birth and income information, may be entered in different formats, data analysis software (e.g., a Python library) is used to standardize it into a unified format. This results in standardized data that is easy to handle in subsequent processing.

[0565] Step 3:

[0566] The server retrieves product information from external sources. It extracts insurance plan information from insurance company databases via APIs. This process uses SQL queries and other methods to obtain necessary data (prices, coverage details), which is then organized and stored in the server's database.

[0567] Step 4:

[0568] The server inputs standardized user information and organized product information into a generating AI model. The model uses machine learning algorithms to analyze and identify the product plan best suited to the user's needs. Here, the plan that meets the criteria is output as an effective suggestion.

[0569] Step 5:

[0570] The server structures the generated product plan proposals in easy-to-understand natural language and sends them to the terminal. It utilizes the natural language processing capabilities of the generation AI model to format the proposals in a user-friendly way before outputting them to the terminal.

[0571] Step 6:

[0572] The user reviews the proposed product plan through their device. If the user considers the proposal and has further information or questions, they can request additional information through the interface.

[0573] Step 7:

[0574] The server uses an emotion engine to analyze user feedback. The feedback provided by users is analyzed through text to detect emotional states and satisfaction levels, and then stored in a database to improve future service offerings.

[0575] (Application Example 2)

[0576] Next, we will explain application example 2. In the following explanation, the data processing device 12 will be referred to as the "server," and the headset-type terminal 314 will be referred to as the "terminal."

[0577] There is a need to make it easier for users to choose the optimal insurance plan that suits their lifestyle and emotions. However, conventional systems have problems in that they have difficulty customizing to respond to the emotions expressed by users and their daily lives at home, and therefore do not adequately offer suggestions that meet individual needs.

[0578] The specific processing performed by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means.

[0579] In this invention, the server includes means for standardizing user information, means for storing and organizing insurance product information in a database, means for comparing user information and insurance product information using generating AI to propose the optimal insurance plan, means for analyzing the user's emotions to customize the insurance plan, and means for presenting information via a device for managing daily life within the home. This makes it possible to propose flexible and optimal insurance plans that are tailored to the user's daily life and emotions.

[0580] "User information" refers to information about the user's lifestyle, health status, income, and family structure.

[0581] "Standardization" is the process of analyzing received user information and converting it into a consistent format.

[0582] "Insurance product information" refers to detailed information about the rates, coverage, and special conditions of each insurance plan, obtained from the insurance company or a database.

[0583] A "database" is an information management system that organizes and stores insurance product information to facilitate subsequent comparison and searching.

[0584] "Generative AI" is an artificial intelligence technology that matches user information with insurance product information to identify the optimal insurance plan.

[0585] "Emotion analysis" is a process that recognizes emotions expressed through information input by the user and adjusts the suggested content based on the user's mood and state.

[0586] "Devices that manage daily life within the home" refers to household robots and digital assistants that present information while interacting with the user.

[0587] The system for implementing this invention uses a consumer robot to propose an optimal insurance plan tailored to the user's lifestyle and emotions. Specific embodiments are shown below.

[0588] Users input information such as their health status, life events, and emotions through a robotic device installed in their home. This robot is equipped with high-performance sensors and cameras, and acquires information from the user's voice and actions. The information from the user is transmitted to a server in real time via the robotic device.

[0589] The server uses a cloud-based data analysis platform to convert user information into a standard format and integrate it with organized insurance product information. During this process, an AI-generated model, such as a natural language processing engine (e.g., OpenAI's GPT series), is used to analyze the user information and identify the optimal insurance plan.

[0590] If user information includes emotional data, the server uses an emotional recognition model (for example, Google Cloud's Natural Language API) to analyze the user's emotions and customize the insurance plan. For example, if the user is feeling stressed, the server will provide information on insurance products that can help reduce stress.

[0591] The analyzed insurance plans are presented to the user in easy-to-understand natural language. When presenting the information to the user, the robot uses a home display and shares information via a voice interface. This information is presented as prompts tailored to the user's life stage.

[0592] As a concrete example, consider a prompt message in which a user inputs information such as, "I recently started exercising, but I need to review my insurance to ensure it's appropriate." In this case, the generating AI model searches for exercise-related insurance plans and suggests to the user what kind of coverage is necessary. A prompt message like, "What kind of health-supporting insurance is suitable for a user who has started exercising?" might be used.

[0593] As described above, this invention streamlines the complex insurance selection process through a robot in the home and provides users with appropriate insurance solutions.

[0594] The flow of a specific process in Application Example 2 will be explained using Figure 14.

[0595] Step 1:

[0596] Users input data about their lifestyle, health information, and life events through a robotic device in their home. This input is collected via a voice system. The input data is temporarily stored within the robotic device and prepared for transmission to a server.

[0597] Step 2:

[0598] The robotic device transmits collected user data to a server in the cloud. A secure communication protocol is used to ensure data security. The server analyzes the received data and converts user information into a standardized format. This allows for consistent handling of data from different users.

[0599] Step 3:

[0600] The server retrieves insurance product information from an external database. This information includes the fees, coverage, and special clauses for each insurance plan. The server organizes and stores this information in an internal database. This process provides the foundation for effectively comparing multiple insurance products.

[0601] Step 4:

[0602] The server uses a generative AI model to match standardized user information with organized insurance product information. Specifically, the AI ​​model performs complex data matching based on prompts to search for and suggest the insurance plan best suited to the user's lifestyle and needs. The output identifies the optimal insurance plan.

[0603] Step 5:

[0604] The server uses an emotion analysis model to evaluate the user's emotional data and customize the insurance plan. Based on the input emotional information, it adjusts the proposed insurance plan to provide content that matches the user's mood. For example, if the user is feeling anxious, it will emphasize insurance plan information that provides reassurance.

[0605] Step 6:

[0606] Optimized insurance plan suggestions are presented to the user via a robotic device from a server. The presentation uses voice and an in-home display, providing information in a user-friendly format. Specific plan details and their benefits are explained here.

[0607] Step 7:

[0608] Users select and provide feedback on the presented insurance plans via a robotic device, which is then sent to the server. The server analyzes the user's feedback to improve the accuracy of future recommendations, which are then used to inform subsequent recommendations. This allows for continuously better, more personalized recommendations.

[0609] The specific processing unit 290 transmits the result of the specific processing to the headset terminal 314. In the headset terminal 314, the control unit 46A causes the speaker 240 and display 343 to output the result of the specific processing. The microphone 238 acquires audio indicating user input for the result of the specific processing. The control unit 46A transmits the audio data indicating user input acquired by the microphone 238 to the data processing unit 12. In the data processing unit 12, the specific processing unit 290 acquires the audio data.

[0610] Data generation model 58 is a type of so-called generative AI (Artificial Intelligence). One example of data generation model 58 is ChatGPT (Internet search<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search) <url: https: gemini.google.com ?hl="ja">Examples of generative AI include the following. The data generation model 58 is obtained by performing deep learning on a neural network. The data generation model 58 is input with prompts containing instructions, and with inference data such as audio data representing speech, text data representing text, and image data representing images. The data generation model 58 infers from the input inference data according to the instructions indicated by the prompts, and outputs the inference results in data formats such as audio data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization.

[0611] In the above embodiment, an example was given in which specific processing is performed by the data processing device 12, but the technology of this disclosure is not limited thereto, and specific processing may also be performed by the headset terminal 314.

[0612] [Fourth Embodiment]

[0613] Figure 7 shows an example of the configuration of the data processing system 410 according to the fourth embodiment.

[0614] As shown in Figure 7, the data processing system 410 includes a data processing device 12 and a robot 414. An example of the data processing device 12 is a server.

[0615] The data processing device 12 comprises a computer 22, a database 24, and a communication interface 26. The computer 22 is an example of a "computer" related to the technology of this disclosure. The computer 22 comprises a processor 28, RAM 30, and storage 32. The processor 28, RAM 30, and storage 32 are connected to a bus 34. The database 24 and the communication interface 26 are also connected to the bus 34. The communication interface 26 is connected to a network 54. An example of the network 54 is a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[0616] The robot 414 includes a computer 36, a microphone 238, a speaker 240, a camera 42, a communication interface 44, and a controlled object 443. The computer 36 includes a processor 46, RAM 48, and storage 50. The processor 46, RAM 48, and storage 50 are connected to a bus 52. The microphone 238, speaker 240, camera 42, and controlled object 443 are also connected to the bus 52.

[0617] The microphone 238 receives voice signals from the user 20 and receives instructions from the user 20. The microphone 238 captures the voice signals from the user 20, converts the captured voice into audio data, and outputs it to the processor 46. The speaker 240 outputs audio according to the instructions from the processor 46.

[0618] Camera 42 is a small digital camera equipped with an optical system including a lens, aperture, and shutter, and an image sensor such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor, and captures images of the area around the user 20 (for example, an imaging range defined by a field of view equivalent to the width of a typical healthy person's field of vision).

[0619] Communication interface 44 is connected to network 54. Communication interfaces 44 and 26 are responsible for the exchange of various information between processor 46 and processor 28 via network 54. The exchange of various information between processor 46 and processor 28 using communication interfaces 44 and 26 is performed in a secure manner.

[0620] The controlled object 443 includes a display device, LEDs in the eyes, and motors that drive the arms, hands, and feet. The posture and gestures of the robot 414 are controlled by controlling the motors of the arms, hands, and feet. Some of the robot 414's emotions can be expressed by controlling these motors. Furthermore, the robot 414's facial expressions can also be expressed by controlling the illumination state of the LEDs in its eyes.

[0621] Figure 8 shows an example of the main functions of the data processing device 12 and the robot 414. As shown in Figure 8, the data processing device 12 performs specific processing using the processor 28. The storage 32 stores the specific processing program 56.

[0622] The specific processing program 56 is an example of a "program" relating to the technology of this disclosure. The processor 28 reads the specific processing program 56 from the storage 32 and executes the read specific processing program 56 on the RAM 30. The specific processing is realized by the processor 28 operating as a specific processing unit 290 in accordance with the specific processing program 56 executed on the RAM 30.

[0623] The storage 32 stores the data generation model 58 and the emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[0624] In robot 414, the processor 46 performs the reception output processing. The storage 50 stores the reception output program 60. The processor 46 reads the reception output program 60 from the storage 50 and executes the read reception output program 60 on the RAM 48. The reception output processing is realized by the processor 46 operating as a control unit 46A according to the reception output program 60 executed on the RAM 48.

[0625] Next, the specific processing performed by the specific processing unit 290 of the data processing device 12 will be described. In the following description, the data processing device 12 will be referred to as the "server" and the robot 414 as the "terminal".

[0626] The system for implementing the present invention begins by providing an interface that allows the user to input information such as their lifestyle, health status, income, and family structure from a terminal. The terminal transmits this information to a server using a secure protocol. The server analyzes the received data and converts it into a standardized format. This allows for the unified handling of information in different data formats.

[0627] The server also retrieves detailed information about insurance products from external insurance companies and databases. This retrieved information is organized and stored in the database, compiled as detailed information for each insurance plan. This includes elements such as rates, coverage, and special clauses.

[0628] Using generation AI, the server matches standardized user data with insurance product information. This AI technology performs data analysis and matching to find the plan best suited to the user. For example, based on the user's health information, insurance with generous coverage for specific illnesses may be suggested.

[0629] Users can receive and review detailed information about proposed insurance plans from the server via their device. For the selected plan, the server guides the user through each step of the contract process. This guidance allows users to easily complete the contract.

[0630] Furthermore, the server receives information about the user's life events (such as marriage, childbirth, or changing jobs) and provides a function to review the insurance plan accordingly. Based on this information, the server proposes a new insurance plan that suits the newly arising needs, continuously providing the user with the best possible option.

[0631] For example, if a user changes their family structure from their device (e.g., adds a child due to birth), the server reviews their existing insurance plan based on this information and proposes the optimal insurance plan that covers the entire family. This ensures that the user always has the necessary coverage as their circumstances change.

[0632] The following describes the processing flow.

[0633] Step 1:

[0634] Users use their devices to input information about their lifestyle, health status, income, and family structure. This information is then sent from the device to the server.

[0635] Step 2:

[0636] The server analyzes the received user information and converts it into a standardized format. This ensures consistency even when data is entered in various formats.

[0637] Step 3:

[0638] The server retrieves insurance product information from external insurance companies and databases. It uses APIs and data feeds to collect plan details, obtaining information including rates, coverage, and special clauses for each insurance plan.

[0639] Step 4:

[0640] The server stores the acquired insurance product information in a database. Here, the information for each insurance plan is organized and categorized for easy searching and comparison.

[0641] Step 5:

[0642] The server uses generated AI to match standardized user information with insurance product information. This allows it to select the insurance plan that best suits the user's needs.

[0643] Step 6:

[0644] The server generates a clear, natural language explanation of the selected insurance plan and sends it to the terminal.

[0645] Step 7:

[0646] The user reviews the details of the proposed insurance plan on their device. Based on the proposal, they select the appropriate plan.

[0647] Step 8:

[0648] The server guides the user through the contract process for the insurance plan they have selected. It directs the user through the necessary paperwork and procedural steps.

[0649] Step 9:

[0650] The server periodically receives user life event information and reviews insurance plans if changes occur. By proposing a new plan that meets new needs, it ensures that the user's insurance remains optimal.

[0651] (Example 1)

[0652] Next, we will describe Example 1. In the following description, the data processing device 12 will be referred to as the "server" and the robot 414 as the "terminal".

[0653] In recent years, there has been a growing demand for prompt and accurate proposals of optimal insurance and service plans based on diverse life events and individual needs. However, conventional systems have faced challenges in providing users with the best choices, as standardizing information and re-evaluating plans requires considerable effort and time.

[0654] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 1 is realized by the following means.

[0655] In this invention, the server includes a user interface means for inputting information, means for encrypting and transmitting the information, and means for analyzing the received information and converting it into a format. This makes it possible to process diverse information quickly and accurately and propose the optimal product plan that meets the user's needs.

[0656] "User interface means for inputting information" refers to a system component that enables users to accurately input personal information, life events, and other data.

[0657] "Means for encrypting and transmitting the information" refers to technology for encrypting information received from users from a security standpoint and securely transmitting it to the server.

[0658] "Means of analyzing received information and converting it into a format" refers to the process by which a server receives transmitted information and converts data in different formats into a unified, manageable format.

[0659] "Means of obtaining product information from external sources" refers to methods for gathering necessary product information from external databases, APIs, etc.

[0660] "A means of analyzing user information and product information using generative artificial intelligence" refers to a process that utilizes AI technology to match user characteristics with product data and derive an optimized plan.

[0661] "Methods for re-evaluating product plans based on user event information" refers to methods for re-evaluating existing plans to reflect the latest changes in users' life events, etc.

[0662] The following describes embodiments for carrying out the present invention. This system provides an interface for users to input information such as their lifestyle, health status, income, and family structure. The terminal transmits the input information to the server using a secure protocol such as HTTPS. The server uses a database management system and data analysis software to analyze the received information and convert it into a standardized format. This makes it possible to organize and manage diverse data formats in a unified manner.

[0663] The server also utilizes API technology to retrieve insurance product information from external sources. The retrieved information is organized and stored in an internal database, forming detailed information for each product plan. In this process, the product information includes details such as rates, coverage, and special clauses, and is organized by the database management system.

[0664] Utilizing a generative AI model, the server analyzes standardized user data and product information. This identifies the optimal product plan and proposes it to the user using generated prompt messages. The generative AI model employs machine learning algorithms to find the best plan for each user. An example of a prompt message would be, "Please suggest an appropriate insurance plan based on the user's health information and changes in family structure."

[0665] Users can view the details of the product plans proposed by the server through their device. The server provides a guide to the contract procedure based on the plan selected by the user, making it easy for the user to conclude a contract.

[0666] Furthermore, whenever the server receives information about a user's life events, it re-evaluates the existing plan and updates it as needed. This update involves a generative AI model, ensuring that the user always receives optimized options. For example, if a user notifies the server of a change in family structure via their device, the server can use this information to review the existing insurance plan and propose a new, optimal plan, thus responding to changing needs.

[0667] The flow of the specific processing in Example 1 will be explained using Figure 11.

[0668] Step 1:

[0669] Users input information such as their lifestyle, health status, income, and family structure into the terminal's interface. The terminal then transmits this information to the server in an encrypted format using a secure protocol such as HTTPS. This ensures data security and prevents unauthorized access from external sources.

[0670] Step 2:

[0671] The server receives encrypted information from the terminal, parses it, and converts it into a standardized format. Specifically, it converts different data formats to JSON format, applies a schema, and verifies data integrity. The input in this process is encrypted user information, and the output is parsed standardized data.

[0672] Step 3:

[0673] The server retrieves insurance product information via an external API. This retrieved data includes rates, coverage details, and special clauses. The server organizes this information in an internal database and creates indexes for efficient access. In this case, the input is raw data from the external API, and the output is indexed database records.

[0674] Step 4:

[0675] The server uses a generative AI model to match standardized user data with acquired insurance product information to identify the optimal insurance plan. This process uses machine learning algorithms to analyze the product best suited to the user's needs and generate a proposed plan. The input is user data and product information, and the output is an optimized insurance plan.

[0676] Step 5:

[0677] The user views the details of the insurance plans proposed by the server via their device. The user can compare the fees and coverage of the displayed plans and make a selection as needed. In this step, the proposed plans from the server are the input, and the user's selection is the output.

[0678] Step 6:

[0679] The server re-evaluates existing insurance plans upon receiving user life event information. In this step, the generative AI model is utilized again to provide recommendations for a plan suited to the new situation. This ensures that the optimal product plan is always provided based on life events. The input is life event information, and the output is the re-evaluated insurance plan.

[0680] (Application Example 1)

[0681] Next, we will explain Application Example 1. In the following explanation, the data processing device 12 will be referred to as the "server" and the robot 414 as the "terminal".

[0682] Providing users with the optimal insurance plan to suit their increasingly complex lifestyles and diverse life events is challenging. Furthermore, there is a need to efficiently adjust insurance plans to meet user needs and process payments instantly within a single system, but current systems struggle to achieve this in an integrated and immediate manner.

[0683] The specific processing performed by the specific processing unit 290 of the data processing device 12 in Application Example 1 is realized by the following means.

[0684] In this invention, the server includes a user information acquisition device, a device for standardizing the user information, and a device for acquiring insurance product information. This enables data collection and processing based on the diverse lifestyles of users. It also includes a device that uses generating AI to compare user information and insurance product information and present the optimal insurance plan, a device that presents the presented insurance plan to the user, a device that adjusts the insurance plan according to the user's life events, and a device that performs immediate settlement through a payment processing device. This enables real-time presentation of the optimal insurance plan that meets the user's needs and immediate processing of settlements.

[0685] A "user information acquisition device" is a means of inputting and acquiring information from users, such as their lifestyle and health status.

[0686] A "standardization device" is a means of processing acquired user information to convert it into a unified format.

[0687] A "device for acquiring insurance product information" is a means of obtaining detailed information about insurance products from external databases or insurance companies.

[0688] A "device for storing and organizing information in a database structure" is a means of systematically managing acquired insurance product information and retaining it in preparation for subsequent processing.

[0689] A "device that uses generated AI for matching" is a means of utilizing AI technology to analyze user information and insurance product information and find the optimal combination.

[0690] The "presentation device" is a means of displaying insurance plans proposed by AI in an easy-to-understand manner for the user.

[0691] A "modification device" is a means of re-evaluating existing insurance plans and making necessary modifications in response to changes in the user's life events.

[0692] A "device that performs instant settlement through a payment processing device" is a means of quickly making payments for presented insurance plans using electronic payment functions.

[0693] This invention begins with a user inputting information such as their lifestyle, health status, income, and family structure using a smartphone or other device. The device transmits this information to a server using a secure protocol, and the server analyzes the user information and converts it into a unified data format using a standardization device. Next, the server collects necessary data by utilizing devices that retrieve detailed information on insurance products from insurance companies and other databases.

[0694] This information is stored and managed in a database structure. The generating AI matches standardized user information with insurance product information and uses algorithms to create the most suitable insurance plan for the user. The presentation device displays this proposal to the user on their terminal. Furthermore, in response to the user's life events, the adjustment device allows for a review of the insurance plan and, if necessary, presents a new plan.

[0695] Furthermore, users can make immediate payments for their chosen insurance plans using a payment processing device via their terminal. This system configuration allows users to quickly and efficiently select and apply for insurance plans that suit their lifestyle. For example, if a user experiences childbirth, they can immediately review and complete the payment for a family insurance plan appropriate for that event.

[0696] By using a generative AI model, it is possible to provide user-specific information by utilizing prompts such as, "Please recommend the best insurance plan for our newly arrived family. Ideally, it should be customizable to our lifestyle and have easy payment options."

[0697] The flow of a specific process in Application Example 1 will be explained using Figure 12.

[0698] Step 1:

[0699] Users input personal information such as lifestyle, health status, income, and family structure through their device. The device then transmits this data to the server using a secure protocol. This ensures that the input data is transferred to the server.

[0700] Step 2:

[0701] The server analyzes the received user information using a standardization device and converts it into a unified data format. Specifically, it converts data in different formats into a comparable format and arranges it into a structure suitable for a database.

[0702] Step 3:

[0703] The server collects detailed information about insurance products using devices that retrieve insurance product information from external insurance companies and databases. Here, the latest insurance product information is automatically obtained using APIs, etc. This process also prepares detailed elements such as rates and coverage as data.

[0704] Step 4:

[0705] The server stores the acquired insurance product information in a database structure and organizes it as needed. This enables efficient access and prepares the data for subsequent processing by AI.

[0706] Step 5:

[0707] The generating AI matches user information with insurance product information to create the optimal insurance plan. In this process, it compares the advantages and disadvantages of each insurance product based on the user information and uses an algorithm to create the most appropriate proposal.

[0708] Step 6:

[0709] The display device shows the generated insurance plans to the user on their terminal. This allows the user to review multiple options and select the insurance plan that best suits their needs.

[0710] Step 7:

[0711] When a user's life events are updated, the adjustment system re-evaluates the content and generates a new plan as needed. This involves additional data comparisons and analyses based on the new information, leading to timely revised recommendations for the user.

[0712] Step 8:

[0713] The payment processing unit processes the payment instantly via the terminal for the insurance plan selected by the user. The payment is securely completed through the payment platform, and the contract is concluded.

[0714] Furthermore, an emotion engine that estimates the user's emotions may be incorporated. That is, the identification processing unit 290 may use the emotion identification model 59 to estimate the user's emotions and perform identification processing using the user's emotions.

[0715] The system for implementing the present invention is initiated when a user inputs information about their lifestyle, health status, income, and family structure via a terminal. This information is transmitted to a server via the terminal. The server analyzes the received user information, converts it to a standard format, and treats it as unified data.

[0716] The server retrieves insurance product information from external insurance companies or databases, organizes this information, and stores it in the database. It records detailed information on the rates, coverage, and special clauses for each insurance plan, facilitating comparison and searching.

[0717] The generating AI identifies the most suitable insurance plan for the user by matching standardized user information with collected insurance product information. The server generates a clear and easy-to-understand insurance plan proposal in natural language and sends it to the user's device. The user reviews the proposed insurance plan on their device and understands the details.

[0718] In particular, this invention allows a server to recognize the emotions expressed by the user through input information by combining it with an emotion engine. The server can use this emotion information to adjust the proposed insurance plan based on the user's mood and state. For example, if it is determined that the user is not ready to accept the proposal, the server may provide more educational information or explanations of the risks.

[0719] Furthermore, the server analyzes user feedback, taking into account their emotions and opinions, to improve the accuracy of future system responses and insurance plan suggestions. In this way, the system provides users with more appropriate support and continuously assists them in selecting the optimal plan.

[0720] For example, if a user reports the birth of a new child, the server recognizes this event and, through its emotion engine, determines that the user wants to feel secure and financially prepared. In response, it suggests a more comprehensive family insurance plan, emphasizing the peace of mind that additional coverage provides. This process allows users to choose appropriate insurance for their new life stage.

[0721] The following describes the processing flow.

[0722] Step 1:

[0723] Users use their devices to input information about their lifestyle, health status, income, and family structure. This information is then sent from the device to the server.

[0724] Step 2:

[0725] The server analyzes the received user information and converts it into a standardized format. This ensures that the information is handled within the system in a consistent format.

[0726] Step 3:

[0727] The server retrieves insurance product information from insurance companies and related databases. The information collected through APIs and data feeds is organized into details, including rates, coverage, and special terms and conditions.

[0728] Step 4:

[0729] The emotion engine analyzes user input and interactions to estimate the user's emotional state. The server receives this emotional information and makes it available within the system.

[0730] Step 5:

[0731] Using generative AI, the server matches standardized user information with insurance product information. Furthermore, it takes emotional information into account to identify the most suitable insurance plan for the user in an adjusted form.

[0732] Step 6:

[0733] The server generates a tailored insurance plan proposal as a natural language description that reflects emotional elements, and sends it to the terminal.

[0734] Step 7:

[0735] Users review the proposed insurance plan on their device and understand the details. They can provide comments and feedback as needed.

[0736] Step 8:

[0737] The server collects user feedback and analyzes it through an emotion engine. This feedback is then used to improve the accuracy of the system's responses and suggestions.

[0738] Step 9:

[0739] The server periodically receives information about the user's life events and, as needed, reviews or re-proposes insurance plans to help the user select the optimal plan that responds to changes in their circumstances.

[0740] (Example 2)

[0741] Next, we will describe Example 2. In the following description, the data processing device 12 will be referred to as the "server" and the robot 414 as the "terminal".

[0742] In information provision systems, the challenge lies in presenting optimal product plans that reflect the individual needs and emotional states of users, and in continuously improving the accuracy of these suggestions through feedback.

[0743] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means.

[0744] In this invention, the server includes a device for inputting user information, a device for converting said user information into a standard format, and a device for acquiring product information from an external information source. This makes it possible to provide an optimal product plan based on the user's individual needs, while also adjusting and improving the accuracy of suggestions based on emotional state and feedback.

[0745] "User information" refers to personal information provided by the user, such as lifestyle, health status, income, and family structure.

[0746] A "standard format" refers to the rules and formats used to unify data from different formats into a consistent format.

[0747] "External information sources" refer to external insurance company databases and other online information providers that are accessed to obtain information.

[0748] "Product information" refers to detailed information about insurance plans and products, including their names, fees, and coverage, obtained from external sources.

[0749] A "generative AI model" is an artificial intelligence model used to analyze user information and product information to generate and propose the optimal product plan.

[0750] A "user device" refers to a terminal, such as a smartphone or personal computer, that a user uses to input information and review proposed plans.

[0751] "Emotional state" refers to information about the user's current mood and emotional state, extracted from the user's input data.

[0752] "Feedback" refers to opinions and impressions provided by users based on their experience using the system, and is used to improve future proposals.

[0753] The system of this invention begins with the user entering their personal information into a terminal. The user enters personal information such as lifestyle, health status, income, and family structure, and this data is transmitted to the server via the terminal. The entered information is encrypted on the terminal using a secure communication method. The server receives this information and converts it into a standard format using data analysis software. For example, a Python data analysis library can be used.

[0754] The server also retrieves product information from external sources, such as insurance company APIs and databases. This retrieved product information is organized and stored on the server using a database management system (e.g., MySQL or PostgreSQL). Based on this organized information, a generative AI model (e.g., GPT or BERT) matches the user's information with the product information to generate the optimal plan.

[0755] The generated product plan is structured by the server in natural language and communicated to the user, and finally sent to the device. The user reviews the proposed plan through the device and considers it as needed. During this process, the emotion engine analyzes the user's reactions and state, and adjusts the plan or provides additional information.

[0756] As a concrete example, if a user enters a life event such as marriage on their device, the server will use an AI model to generate suggestions for family insurance plans based on this input. In doing so, it will provide explanations tailored to the user's interests and preferences to assist them in making a selection.

[0757] An example of a prompt message is, "Propose the optimal family insurance plan for a user who is about to get married, and explain the peace of mind that the additional coverage provides." This allows the user to make an appropriate choice based on specific life events.

[0758] The flow of the specific processing in Example 2 will be explained using Figure 13.

[0759] Step 1:

[0760] Users enter personal information such as their lifestyle, health status, income, and family structure into the device. This information is transmitted to the server through the device's interface. The device encrypts the information and transmits the data using a secure communication protocol.

[0761] Step 2:

[0762] The server decodes user information received from the terminal and converts it to a standard format. Since the input data, such as date of birth and income information, may be entered in different formats, data analysis software (e.g., a Python library) is used to standardize it into a unified format. This results in standardized data that is easy to handle in subsequent processing.

[0763] Step 3:

[0764] The server retrieves product information from external sources. It extracts insurance plan information from insurance company databases via APIs. This process uses SQL queries and other methods to obtain necessary data (prices, coverage details), which is then organized and stored in the server's database.

[0765] Step 4:

[0766] The server inputs standardized user information and organized product information into a generating AI model. The model uses machine learning algorithms to analyze and identify the product plan best suited to the user's needs. Here, the plan that meets the criteria is output as an effective suggestion.

[0767] Step 5:

[0768] The server structures the generated product plan proposals in easy-to-understand natural language and sends them to the terminal. It utilizes the natural language processing capabilities of the generation AI model to format the proposals in a user-friendly way before outputting them to the terminal.

[0769] Step 6:

[0770] The user reviews the proposed product plan through their device. If the user considers the proposal and has further information or questions, they can request additional information through the interface.

[0771] Step 7:

[0772] The server uses an emotion engine to analyze user feedback. The feedback provided by users is analyzed through text to detect emotional states and satisfaction levels, and then stored in a database to improve future service offerings.

[0773] (Application Example 2)

[0774] Next, we will explain application example 2. In the following explanation, the data processing device 12 will be referred to as the "server" and the robot 414 as the "terminal".

[0775] There is a need to make it easier for users to choose the optimal insurance plan that suits their lifestyle and emotions. However, conventional systems have problems in that they have difficulty customizing to respond to the emotions expressed by users and their daily lives at home, and therefore do not adequately offer suggestions that meet individual needs.

[0776] The specific processing performed by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means.

[0777] In this invention, the server includes means for standardizing user information, means for storing and organizing insurance product information in a database, means for comparing user information and insurance product information using generating AI to propose the optimal insurance plan, means for analyzing the user's emotions to customize the insurance plan, and means for presenting information via a device for managing daily life within the home. This makes it possible to propose flexible and optimal insurance plans that are tailored to the user's daily life and emotions.

[0778] "User information" refers to information about the user's lifestyle, health status, income, and family structure.

[0779] "Standardization" is the process of analyzing received user information and converting it into a consistent format.

[0780] "Insurance product information" refers to detailed information about the rates, coverage, and special conditions of each insurance plan, obtained from the insurance company or a database.

[0781] A "database" is an information management system that organizes and stores insurance product information to facilitate subsequent comparison and searching.

[0782] "Generative AI" is an artificial intelligence technology that matches user information with insurance product information to identify the optimal insurance plan.

[0783] "Emotion analysis" is a process that recognizes emotions expressed through information input by the user and adjusts the suggested content based on the user's mood and state.

[0784] "Devices that manage daily life within the home" refers to household robots and digital assistants that present information while interacting with the user.

[0785] The system for implementing this invention uses a consumer robot to propose an optimal insurance plan tailored to the user's lifestyle and emotions. Specific embodiments are shown below.

[0786] Users input information such as their health status, life events, and emotions through a robotic device installed in their home. This robot is equipped with high-performance sensors and cameras, and acquires information from the user's voice and actions. The information from the user is transmitted to a server in real time via the robotic device.

[0787] The server uses a cloud-based data analysis platform to convert user information into a standard format and integrate it with organized insurance product information. During this process, an AI-generated model, such as a natural language processing engine (e.g., OpenAI's GPT series), is used to analyze the user information and identify the optimal insurance plan.

[0788] If user information includes emotional data, the server uses an emotional recognition model (for example, Google Cloud's Natural Language API) to analyze the user's emotions and customize the insurance plan. For example, if the user is feeling stressed, the server will provide information on insurance products that can help reduce stress.

[0789] The analyzed insurance plans are presented to the user in easy-to-understand natural language. When presenting the information to the user, the robot uses a home display and shares information via a voice interface. This information is presented as prompts tailored to the user's life stage.

[0790] As a concrete example, consider a prompt message in which a user inputs information such as, "I recently started exercising, but I need to review my insurance to ensure it's appropriate." In this case, the generating AI model searches for exercise-related insurance plans and suggests to the user what kind of coverage is necessary. A prompt message like, "What kind of health-supporting insurance is suitable for a user who has started exercising?" might be used.

[0791] As described above, this invention streamlines the complex insurance selection process through a robot in the home and provides users with appropriate insurance solutions.

[0792] The flow of a specific process in Application Example 2 will be explained using Figure 14.

[0793] Step 1:

[0794] Users input data about their lifestyle, health information, and life events through a robotic device in their home. This input is collected via a voice system. The input data is temporarily stored within the robotic device and prepared for transmission to a server.

[0795] Step 2:

[0796] The robotic device transmits collected user data to a server in the cloud. A secure communication protocol is used to ensure data security. The server analyzes the received data and converts user information into a standardized format. This allows for consistent handling of data from different users.

[0797] Step 3:

[0798] The server retrieves insurance product information from an external database. This information includes the fees, coverage, and special clauses for each insurance plan. The server organizes and stores this information in an internal database. This process provides the foundation for effectively comparing multiple insurance products.

[0799] Step 4:

[0800] The server uses a generative AI model to match standardized user information with organized insurance product information. Specifically, the AI ​​model performs complex data matching based on prompts to search for and suggest the insurance plan best suited to the user's lifestyle and needs. The output identifies the optimal insurance plan.

[0801] Step 5:

[0802] The server uses an emotion analysis model to evaluate the user's emotional data and customize the insurance plan. Based on the input emotional information, it adjusts the proposed insurance plan to provide content that matches the user's mood. For example, if the user is feeling anxious, it will emphasize insurance plan information that provides reassurance.

[0803] Step 6:

[0804] Optimized insurance plan suggestions are presented to the user via a robotic device from a server. The presentation uses voice and an in-home display, providing information in a user-friendly format. Specific plan details and their benefits are explained here.

[0805] Step 7:

[0806] Users select and provide feedback on the presented insurance plans via a robotic device, which is then sent to the server. The server analyzes the user's feedback to improve the accuracy of future recommendations, which are then used to inform subsequent recommendations. This allows for continuously better, more personalized recommendations.

[0807] The specific processing unit 290 transmits the result of the specific processing to the robot 414. In the robot 414, the control unit 46A causes the speaker 240 and the controlled object 443 to output the result of the specific processing. The microphone 238 acquires audio indicating user input for the result of the specific processing. The control unit 46A transmits the audio data indicating user input acquired by the microphone 238 to the data processing unit 12. In the data processing unit 12, the specific processing unit 290 acquires the audio data.

[0808] Data generation model 58 is a type of so-called generative AI (Artificial Intelligence). One example of data generation model 58 is ChatGPT (Internet search<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search) <url: https: gemini.google.com ?hl="ja">Examples of generative AI include the following. The data generation model 58 is obtained by performing deep learning on a neural network. The data generation model 58 is input with prompts containing instructions, and with inference data such as audio data representing speech, text data representing text, and image data representing images. The data generation model 58 infers from the input inference data according to the instructions indicated by the prompts, and outputs the inference results in data formats such as audio data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization.

[0809] In the above embodiment, an example was given in which the specific processing is performed by the data processing device 12, but the technology of this disclosure is not limited thereto, and the specific processing may also be performed by the robot 414.

[0810] Furthermore, the emotion identification model 59, acting as an emotion engine, may determine the user's emotion according to a specific mapping. Specifically, the emotion identification model 59 may determine the user's emotion according to a specific mapping, which is an emotion map (see Figure 9). Similarly, the emotion identification model 59 may also determine the robot's emotion, and the identification processing unit 290 may perform identification processing using the robot's emotion.

[0811] Figure 9 shows an emotion map 400 in which multiple emotions are mapped. In the emotion map 400, emotions are arranged in concentric circles radiating from the center. The closer to the center of the concentric circles, the more primitive the emotions are located. Further out of the concentric circles, emotions representing states and actions arising from mental states are located. Emotion is a concept that includes feelings and mental states. On the left side of the concentric circles, emotions that are generally generated from reactions occurring in the brain are located. On the right side of the concentric circles, emotions that are generally induced by situational judgment are located. In the upper and lower directions of the concentric circles, emotions that are generally generated from reactions occurring in the brain and induced by situational judgment are located. Also, the upper side of the concentric circles is where "pleasant" emotions are located, and the lower side is where "unpleasant" emotions are located. In this way, in the emotion map 400, multiple emotions are mapped based on the structure in which emotions arise, and emotions that are likely to occur simultaneously are mapped close together.

[0812] These emotions are distributed at the 3 o'clock position on the Emotion Map 400, and usually fluctuate between feelings of security and anxiety. In the right half of the Emotion Map 400, situational awareness takes precedence over internal feelings, resulting in a calm impression.

[0813] The inside of the Emotion Map 400 represents inner thoughts, while the outside represents actions. Therefore, the further you go from the outside of the Emotion Map 400, the more visible (expressed in actions) your emotions become.

[0814] Here, human emotions are based on various balances, such as posture and blood sugar levels. When these balances deviate from the ideal, it results in discomfort, and when they approach the ideal, it results in pleasure. Similarly, in robots, cars, motorcycles, etc., emotions can be created based on various balances, such as posture and battery level. When these balances deviate from the ideal, it results in discomfort, and when they approach the ideal, it results in pleasure. The emotion map can be generated, for example, based on Dr. Mitsuyoshi's emotion map (Research on a system for analyzing brain physiological signals of speech emotion recognition and emotion, Tokushima University, doctoral dissertation: https: / / ci.nii.ac.jp / naid / 500000375379). The left half of the emotion map contains emotions belonging to a region called "response," where sensation is dominant. The right half of the emotion map contains emotions belonging to a region called "situation," where situational awareness is dominant.

[0815] The emotion map defines two emotions that promote learning. One is the emotion around the middle of the negative "repentance" and "reflection" on the situation side. In other words, it is when the robot experiences negative emotions such as "I never want to feel this way again" or "I don't want to be scolded again." The other is the emotion around the positive "desire" on the reaction side. In other words, it is when the robot has positive feelings such as "I want more" or "I want to know more."

[0816] The emotion identification model 59 inputs user input into a pre-trained neural network, obtains emotion values ​​representing each emotion shown in the emotion map 400, and determines the user's emotion. This neural network is pre-trained based on multiple training data sets, which are combinations of user input and emotion values ​​representing each emotion shown in the emotion map 400. Furthermore, this neural network is trained so that emotions located close together have similar values, as shown in the emotion map 900 in Figure 10. Figure 10 shows an example where multiple emotions such as "reassured," "calm," and "confident" have similar emotion values.

[0817] The above description primarily focuses on the functions of the data processing device 12 in relation to this disclosure. However, the system related to this disclosure is not necessarily implemented on a server. The system related to this disclosure may be implemented as a general information processing system. This disclosure may be implemented, for example, as a software program that runs on a personal computer or as an application that runs on a smartphone. The method related to this disclosure may be provided to users in SaaS (Software as a Service) format.

[0818] In the above embodiment, an example was given in which a specific process is performed by a single computer 22. However, the technology of this disclosure is not limited thereto, and a distributed processing of the specific process may be performed by multiple computers, including computer 22. For example, a data generation model 58 may be provided in an external device of the data processing device 12, and the external device may generate data according to the input data.

[0819] In the above embodiment, an example was given in which the specific processing program 56 is stored in the storage 32, but the technology of this disclosure is not limited thereto. For example, the specific processing program 56 may be stored in a portable, computer-readable, non-temporary storage medium such as a USB (Universal Serial Bus) memory. The specific processing program 56 stored in the non-temporary storage medium is installed in the computer 22 of the data processing device 12. The processor 28 executes specific processing according to the specific processing program 56.

[0820] Alternatively, the specific processing program 56 may be stored in a storage device such as a server connected to the data processing device 12 via the network 54, and the specific processing program 56 may be downloaded and installed on the computer 22 in response to a request from the data processing device 12.

[0821] Furthermore, it is not necessary to store the entirety of the specific processing program 56 in a storage device such as a server connected to the data processing device 12 via the network 54, or to store the entirety of the specific processing program 56 in the storage 32; it is acceptable to store only a portion of the specific processing program 56.

[0822] The following types of processors can be used as hardware resources to perform specific processing. Examples of processors include a CPU, a general-purpose processor that functions as a hardware resource to perform specific processing by executing software, i.e., a program. Other examples of processors include dedicated electrical circuits, such as FPGAs (Field-Programmable Gate Arrays), PLDs (Programmable Logic Devices), or ASICs (Application Specific Integrated Circuits), which have circuit configurations specifically designed to perform specific processing. All of these processors have built-in or connected memory, and all of them perform specific processing by using memory.

[0823] The hardware resource that performs a specific process may consist of one of these various processors, or it may consist of a combination of two or more processors of the same or different types (for example, a combination of multiple FPGAs, or a combination of a CPU and an FPGA). Alternatively, the hardware resource that performs a specific process may consist of a single processor.

[0824] Examples of configurations using a single processor include, firstly, a configuration in which one or more CPUs and software are combined to form a single processor, and this processor functions as a hardware resource that performs a specific process. Secondly, there is a configuration using a processor that realizes the functions of the entire system, including multiple hardware resources that perform a specific process, on a single IC chip, as exemplified by SoCs (System-on-a-chip). In this way, a specific process is realized using one or more of the above types of processors as hardware resources.

[0825] Furthermore, the hardware structure of these various processors can more specifically utilize electrical circuits that combine circuit elements such as semiconductor devices. Also, the specific processing described above is merely an example. Therefore, it goes without saying that unnecessary steps can be deleted, new steps added, or the processing order rearranged, as long as it does not deviate from the main purpose.

[0826] The descriptions and illustrations presented above are detailed explanations of the technical aspects of this disclosure and are merely examples of the technical aspects. For example, the above descriptions of the structure, function, operation, and effect are examples of the structure, function, operation, and effect of the technical aspects of this disclosure. Therefore, it goes without saying that you may delete unnecessary parts, add new elements, or replace elements in the descriptions and illustrations presented above, as long as you do not deviate from the essence of the technical aspects of this disclosure. Furthermore, in order to avoid confusion and facilitate understanding of the technical aspects of this disclosure, explanations of common technical knowledge and the like that do not require special explanation to enable the implementation of the technical aspects of this disclosure have been omitted from the descriptions and illustrations presented above.

[0827] All documents, patent applications, and technical standards described herein are incorporated by reference to the same extent as if each individual document, patent application, and technical standard were specifically and individually noted to be incorporated by reference.

[0828] The following is further disclosed regarding the embodiments described above.

[0829] (Claim 1)

[0830] User information input means,

[0831] Means for standardizing the user information,

[0832] Means of obtaining insurance product information,

[0833] A means for storing and organizing the insurance product information in a database,

[0834] A method for using generational AI to match user information with insurance product information and propose the optimal insurance plan,

[0835] A means of presenting the proposed insurance plan to the user,

[0836] A means of reviewing insurance plans in accordance with the user's life events,

[0837] A system that includes this.

[0838] (Claim 2)

[0839] The system according to claim 1 for guiding the contract procedures for an insurance plan.

[0840] (Claim 3)

[0841] The system according to claim 1, which continuously receives information on a user's life events and updates the insurance plan based on said events.

[0842] "Example 1"

[0843] (Claim 1)

[0844] A user interface means for inputting information,

[0845] A means for encrypting and transmitting the information,

[0846] A means of analyzing the received information and converting it into a format,

[0847] Means of obtaining product information from external sources,

[0848] A means for integrating, storing, and managing the product information,

[0849] A method for analyzing user information and product information using generative artificial intelligence to identify the optimal product plan,

[0850] A means of reporting identified product plans to users,

[0851] A means of re-evaluating product plans based on user event information,

[0852] A system that includes this.

[0853] (Claim 2)

[0854] The system described in claim 1 for guiding the contract procedures.

[0855] (Claim 3)

[0856] The system according to claim 1, which continuously receives event information from users and updates product plans in accordance with said event.

[0857] "Application Example 1"

[0858] (Claim 1)

[0859] User information acquisition device,

[0860] A device for standardizing the user information,

[0861] A device for acquiring insurance product information,

[0862] A device for storing and organizing the insurance product information in a database structure,

[0863] A device that uses generation AI to match user information with insurance product information and presents the optimal insurance plan,

[0864] A device that presents the proposed insurance plan to the user,

[0865] A device that adjusts insurance plans according to the user's life events,

[0866] A device that performs instant settlement through a payment processing device,

[0867] A system that includes this.

[0868] (Claim 2)

[0869] The system according to claim 1 for guiding the contract procedures for an insurance plan.

[0870] (Claim 3)

[0871] The system according to claim 1, which continuously receives information on a user's life events and revises the insurance plan based on said events.

[0872] "Example 2 of combining an emotion engine"

[0873] (Claim 1)

[0874] A device for inputting user information,

[0875] A device for converting user information into a standard format,

[0876] A device that acquires product information from an external source,

[0877] A device for storing and organizing the product information in a database,

[0878] A device that uses a generative AI model to match user information with product information and propose the optimal product plan,

[0879] A device that presents the proposed product plan to the user's device,

[0880] A device that adjusts product plans based on emotional state,

[0881] A device that continuously collects feedback from users and incorporates it into future proposals,

[0882] An information processing system that includes this.

[0883] (Claim 2)

[0884] An information processing system according to claim 1 that assists in the contract procedures for goods.

[0885] (Claim 3)

[0886] The information processing system according to claim 1, which continuously receives user status information and updates the product plan based on said status.

[0887] "Application example 2 when combining with an emotional engine"

[0888] (Claim 1)

[0889] User information input means,

[0890] Means for standardizing the user information,

[0891] Means of obtaining insurance product information,

[0892] A means for storing and organizing the insurance product information in a database,

[0893] A method for using generational AI to match user information with insurance product information and propose the optimal insurance plan,

[0894] A means of presenting the proposed insurance plan to the user,

[0895] A means of reviewing insurance plans in accordance with the user's life events,

[0896] A method for analyzing user emotions and customizing insurance plans,

[0897] A means of presenting information through a device for managing daily life within the home,

[0898] A system that includes this.

[0899] (Claim 2)

[0900] The system according to claim 1 for guiding the contract procedures for an insurance plan.

[0901] (Claim 3)

[0902] The system according to claim 1, which continuously receives information on a user's life events and updates the insurance plan based on the events and sentiment analysis. [Explanation of Symbols]

[0903] 10, 210, 310, 410 Data Processing Systems 12 Data Processing Devices 14 Smart Devices 214 Smart Glasses 314 Headset-type terminal 414 Robots< / url:> < / url:> < / url:> < / url:>

Claims

1. User information acquisition device, A device for standardizing the user information, A device for acquiring insurance product information, A device for storing and organizing the insurance product information in a database structure, A device that uses generation AI to match user information with insurance product information and presents the optimal insurance plan, A device that presents the proposed insurance plan to the user, A device that adjusts insurance plans according to the user's life events, A device that performs instant settlement through a payment processing device, A system that includes this.

2. The system according to claim 1 for guiding the contract procedures for an insurance plan.

3. The system according to claim 1, which continuously receives information on a user's life events and revises the insurance plan based on said events.

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