System

Abstract

A system is provided.SOLUTION: A system, comprising: means for inputting login information by a user and sending the login information to a server; means for comparing, by the server, the received login information with a database to perform authentication; and means for returning, by the server, an authentication result to a terminal, and displaying, by the terminal, a dashboard when the authentication succeeds.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] Patent document 1 discloses a persona chatbot control method performed by at least one processor, the method including the steps of receiving a user utterance, adding the user utterance to a prompt including an instruction sentence related to a description of the chatbot character, 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] Japanese Patent Publication No. 2022-180282 Summary of the Invention [Problem to be solved by the invention]

[0004] The present invention relates to a system that allows even beginners to easily invest and manage assets. Conventional asset management systems require specialized knowledge and are complex to operate, making them difficult for beginners to use. In addition, there are only a limited number of systems that have the functionality to reflect market data in real time and perform transactions quickly. This makes it difficult for users to make optimal investment decisions based on the latest market conditions. [Means for solving the problem]

[0005] The present invention solves the above problems by providing a system including the following means.

[0006] First, it includes a means for a user to input login information and transmit it to the server, a means for the server to compare the received login information with a database and perform authentication, a means for the server to return the authentication result to the terminal, and a means for the terminal to display a dashboard if authentication is successful (Claim 1). Next, it includes a means for a user to input investment information (capital, risk tolerance, investment period, etc.) and transmit it to the server, a means for the server to calculate an optimal portfolio based on the investment information using an algorithm, a means for the server to return the calculation result to the terminal, and a means for the terminal to display the calculation result (Claim 2). Further, it includes a means for the server to obtain financial market data from an API at regular intervals, a means for the server to update the user portfolio in real time, and a means for the server to transmit the updated portfolio information to the terminal, and the terminal to display it (Claim 3). Finally, it includes a means for a user to input trading information (purchase amount, sale amount, name, etc.) and transmit it to the server, a means for the server to execute a trade based on the received trading information and record the trading results in a database, and a means for the server to return the trading results to the terminal, and the terminal to display the trading results (Claim 4). Finally, the system includes means for the server to periodically collect and analyze the user's investment data, means for the server to generate a report based on the analysis results and store it in a database, and means for the server to notify the user that the report generation is complete and for the terminal to display the report (Claim 5).

[0007] "User" means an investor or administrator who uses this system.

[0008] A "terminal" is a device operated by a user, such as a computer, smartphone, or tablet.

[0009] A "server" is a computer that processes data for the entire system, performs authentication, portfolio calculations, data acquisition, trade execution, report generation, etc.

[0010] "Login information" refers to information used to identify and authenticate a user, such as a user ID and password.

[0011] "Database" means a data repository within the system for storing user information, investment data, trading history, etc.

[0012] "Portfolio" refers to the combination and allocation of financial products owned by a User.

[0013] "Financial market data" refers to market information that changes in real time, such as stock prices, bond prices, and exchange rates.

[0014] An "API" is an interface for exchanging data with external services and systems.

[0015] "Transaction information" refers to detailed information such as the purchase price, sale price, and brand of a financial product entered by the user.

[0016] "Transaction result" is data generated as a result of a transaction executed by the server, and is notified to the user.

[0017] "Report" means a document that contains analysis results, including a User's investment performance, risk assessment, optimization recommendations, etc. [Brief explanation of the drawings]

[0018] [Figure 1] 1 is a conceptual diagram showing an example of the configuration of a data processing system according to a first embodiment. [Figure 2] 1 is a conceptual diagram showing an example of main functions of a data processing device and a smart device according to a first embodiment. [Figure 3] FIG. 10 is a conceptual diagram showing an example of the configuration of a data processing system according to a second embodiment. [Figure 4] FIG. 10 is a conceptual diagram showing an example of main functions of a data processing device and smart glasses according to a second embodiment. [Figure 5] FIG. 10 is a conceptual diagram showing an example of the configuration of a data processing system according to a third embodiment. [Figure 6]FIG. 11 is a conceptual diagram showing an example of main functions of a data processing device and a headset-type terminal according to a third embodiment. [Figure 7] FIG. 10 is a conceptual diagram showing an example of the configuration of a data processing system according to a fourth embodiment. [Figure 8] FIG. 10 is a conceptual diagram showing an example of main functions of a data processing device and a robot according to a fourth embodiment. [Figure 9] 1 shows an emotion map onto which multiple emotions are mapped. [Figure 10] 1 shows an emotion map onto which multiple emotions are mapped. [Figure 11] FIG. 3 is a sequence diagram showing a processing flow of the data processing system according to the first embodiment. [Figure 12] FIG. 10 is a sequence diagram showing the flow of processing in the data processing system in Application Example 1. [Figure 13] FIG. 10 is a sequence diagram showing the flow of processing in the data processing system according to the second embodiment when an emotion engine is combined. [Figure 14] FIG. 10 is a sequence diagram showing the flow of processing in the data processing system in Application Example 2 when an emotion engine is combined. DETAILED DESCRIPTION OF THE INVENTION

[0019] An example of an embodiment of a system according to the technology of the present disclosure will be described below with reference to the accompanying drawings.

[0020] First, the terms used in the following description will be explained.

[0021] In the following embodiments, a coded processor (hereinafter simply referred to as a "processor") may be a single arithmetic device or a combination of multiple arithmetic devices. Furthermore, a processor may be a single type of arithmetic device or a combination of multiple types of arithmetic devices. Examples of arithmetic devices include a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), a GPGPU (General-Purpose computing on Graphics Processing Units), and an APU (Accelerated Processing Unit).

[0022] In the following embodiments, a coded RAM (Random Access Memory) is a memory in which information is temporarily stored and is used as a working memory by a processor.

[0023] In the following embodiments, the coded storage is one or more non-volatile storage devices that store various programs, various parameters, etc. Examples of non-volatile storage devices include flash memory (SSD (Solid State Drive)), magnetic disks (e.g., hard disks), and magnetic tapes.

[0024] In the following embodiments, a communication I / F (Interface) with a symbol is an interface including a communication processor, an antenna, etc. The communication I / F controls communication between multiple computers. Examples of communication standards applied to the communication I / F include wireless communication standards including 5G (5th Generation Mobile Communication System), Wi-Fi (registered trademark), Bluetooth (registered trademark), etc.

[0025] In the following embodiments, "A and / or B" is synonymous with "at least one of A and B." In other words, "A and / or B" means that it may be only A, only B, or a combination of A and B. Furthermore, in this specification, the same concept as "A and / or B" is also applied when three or more things are expressed connected by "and / or."

[0026] [First embodiment]

[0027] FIG. 1 shows an example of the configuration of a data processing system 10 according to the first embodiment.

[0028] 1, a 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.

[0029] The data processing device 12 includes a computer 22, a database 24, and a communication I / F 26. The computer 22 is an example of a "computer" according to the technology of the present disclosure. The computer 22 includes a processor 28, a RAM 30, and a storage 32. The processor 28, the RAM 30, and the storage 32 are connected to a bus 34. The database 24 and the communication I / F 26 are also connected to the bus 34. The communication I / F 26 is connected to a network 54. Examples of the network 54 include a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[0030] The smart device 14 includes a computer 36, a reception device 38, an output device 40, a camera 42, and a communication I / F 44. The computer 36 includes a processor 46, a RAM 48, and a storage 50. The processor 46, the RAM 48, and the storage 50 are connected to a bus 52. The reception device 38, the output device 40, and the camera 42 are also connected to the bus 52.

[0031] The reception device 38 includes a touch panel 38A, a microphone 38B, and the like, and receives user input. The touch panel 38A detects contact with an indicator (for example, a pen or a finger) to receive user input by the touch of the indicator. The microphone 38B detects the user's voice to receive user input by voice. The control unit 46A transmits data indicating the user input received by the touch panel 38A and the 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.

[0032] 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 of expression that the user 20 can perceive (for example, audio and / or text). The display 40A displays visible information such as text and images in accordance with instructions from the processor 46. The speaker 40B outputs audio in accordance with instructions from the processor 46. The camera 42 is a compact digital camera equipped with an optical system including a lens, aperture, and shutter, and an imaging element such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor.

[0033] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 control the exchange of various information between the processor 46 and the processor 28 via the network 54.

[0034] FIG. 2 shows an example of the main functions of the data processing device 12 and the smart device 14.

[0035] 2, in the data processing device 12, a specific process 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" according to the technology of the present 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 process 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.

[0036] The storage 32 stores a data generation model 58 and an emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[0037] In the smart device 14, the processor 46 performs the reception output process. The storage 50 stores a reception output program 60. The reception output program 60 is used in conjunction with the 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 process is realized by the processor 46 operating as the control unit 46A in accordance with the reception output program 60 executed on the RAM 48.

[0038] Next, a description will be given of the specific processing performed by the specific processing unit 290 of the data processing device 12. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0039] This section explains the specific program processing and operation of the "Easy Investment and Asset Management Service" system according to the present invention. This system allows users to easily invest and manage their assets, and is composed of multiple modules.

[0040] User Authentication Module

[0041] overview

[0042] The user enters login information from the terminal to access the system. The server performs authentication, and if successful, displays the user's dashboard.

[0043] Processing Description

[0044] The user enters their user ID and password on the device's login screen. The device sends this information to the server. The server compares the received login information with the information stored in the database and performs authentication. If authentication is successful, the server returns the authentication result to the device, and the device displays the dashboard.

[0045] Specific examples

[0046] User A enters "user_id" and "password." The device sends this information to the server. The server retrieves the corresponding "user_id" and "password" from the database and compares them. If they match, the server sends a message of successful authentication to the device, and the device displays User A's dashboard.

[0047] Portfolio Creation Module

[0048] overview

[0049] The user inputs investment information, and the server calculates and returns the optimal portfolio.

[0050] Processing Description

[0051] The user enters investment information (capital, risk tolerance, investment period, etc.) into the terminal. The terminal sends this information to the server. The server uses an algorithm to calculate the optimal portfolio and sends the results back to the terminal. The terminal displays the results to the user.

[0052] Specific examples

[0053] User B sets a capital of 1 million yen, a medium risk tolerance, and a 5-year investment period. The device sends this information to the server. The server uses an algorithm to calculate and generate a portfolio of 50% stocks, 40% bonds, and 10% cash, and sends it to the device. The device displays this portfolio to User B.

[0054] Real-time Data Acquisition Module

[0055] overview

[0056] The server obtains market data in real time and reflects it in the user's portfolio.

[0057] Processing Description

[0058] The server retrieves financial market data via API at regular intervals (e.g., every few seconds), updates the user's portfolio based on the retrieved data, and then sends the updates to the terminal and displays them in real time.

[0059] Specific examples

[0060] If stock prices rise in the market, the server retrieves the latest stock price data from the API. The server updates User C's portfolio valuation and sends the result to the terminal. The terminal displays the updated valuation to User C.

[0061] Transaction Module

[0062] overview

[0063] The user executes the transaction and the server manages the transaction.

[0064] Processing Description

[0065] The user issues a purchase or sale command from the terminal. The terminal sends the transaction information (amount, name, etc.) to the server. The server executes the transaction and records the results in a database. The transaction results are notified to the terminal and displayed to the user.

[0066] Specific examples

[0067] User D instructs to purchase 500,000 yen worth of stocks. The terminal sends this to the server. The server executes the transaction, adds 500,000 yen worth of stocks to User D's portfolio, and records the transaction history in the database. The terminal displays the results to User D.

[0068] Report Generation Module

[0069] overview

[0070] The server analyzes the user's investment status and generates a report.

[0071] Processing Description

[0072] The server periodically (e.g., at the end of each month) collects and analyzes the user's investment data. The server generates a report based on the analysis results and stores it in a database. The server then notifies the user that the report generation is complete and allows the user to view the report on their device.

[0073] Specific examples

[0074] The server collects and analyzes User E's investment data at the end of each month. Based on the results, it generates a report and stores it in the database. User E can check the generated report through his / her terminal and plan his / her next investment strategy.

[0075] These modules create a system that allows even beginners to easily invest and manage assets.

[0076] The processing flow will be explained below.

[0077] User Authentication Module

[0078] Step 1:

[0079] The user opens the login screen on the device.

[0080] Step 2:

[0081] The user enters login information (user ID and password).

[0082] Step 3:

[0083] The terminal sends the entered login information to the server.

[0084] Step 4:

[0085] The server compares the received login information with the information stored in the database to authenticate it.

[0086] Step 5:

[0087] The server returns the authentication result to the terminal.

[0088] Step 6:

[0089] The terminal receives the authentication result, and if authentication is successful, displays the user's dashboard.

[0090] Portfolio Creation Module

[0091] Step 1:

[0092] The user opens the portfolio creation screen on their device.

[0093] Step 2:

[0094] The user enters investment information (capital, risk tolerance, investment period, etc.).

[0095] Step 3:

[0096] The terminal transmits the input investment information to the server.

[0097] Step 4:

[0098] Based on the investment information received by the server, an algorithm is used to calculate the optimal portfolio.

[0099] Step 5:

[0100] The server returns the calculation results (optimal portfolio) to the terminal.

[0101] Step 6:

[0102] The terminal receives the calculation results and displays them to the user.

[0103] Real-time Data Acquisition Module

[0104] Step 1:

[0105] The server requests financial market data from the API at regular intervals (e.g., every few seconds).

[0106] Step 2:

[0107] The API sends the latest market data back to the server.

[0108] Step 3:

[0109] The server updates the user's portfolio based on the received market data.

[0110] Step 4:

[0111] The server transmits the updated portfolio information to the terminal.

[0112] Step 5:

[0113] The terminal displays the received portfolio information to the user.

[0114] Transaction Module

[0115] Step 1:

[0116] The user opens the trading screen on the terminal.

[0117] Step 2:

[0118] The user inputs transaction information (purchase or sale amount, brand, etc.).

[0119] Step 3:

[0120] The terminal transmits the entered transaction information to the server.

[0121] Step 4:

[0122] The server executes the transaction based on the received transaction information.

[0123] Step 5:

[0124] The server records the transaction results in a database.

[0125] Step 6:

[0126] The server returns the transaction result to the terminal.

[0127] Step 7:

[0128] The terminal receives the transaction result and displays it to the user.

[0129] Report Generation Module

[0130] Step 1:

[0131] The server periodically (for example, at the end of each month) collects the user's investment data from the database.

[0132] Step 2:

[0133] The server analyzes the collected investment data.

[0134] Step 3:

[0135] The server generates an investment report based on the analysis results.

[0136] Step 4:

[0137] The server stores the generated reports in a database.

[0138] Step 5:

[0139] The server notifies the user that the report has been generated.

[0140] Step 6:

[0141] The user views the generated report on the device.

[0142] Example 1

[0143] Next, a description will be given of Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0144] Conventional investment systems lacked easy login and authentication methods for users. They also lacked mechanisms for creating optimal portfolios based on investment information and for quickly updating real-time market data. This made it difficult for users to efficiently and reliably manage their investments. Furthermore, a system that provided all of these functions in an integrated and seamless manner was needed.

[0145] The specific processing by the specific processing unit 290 of the data processing device 12 in the first embodiment is realized by the following means.

[0146] In this invention, the server includes: means for a user to input login information and transmit it to the information processing device; means for the information processing device to compare the received login information with the storage device and perform authentication; means for the information processing device to return the authentication result to the display device, which displays an operation screen when authentication is successful; means for a user to input investment information (funds, risk tolerance, investment period, etc.) and transmit it to the information processing device; means for the information processing device to calculate an optimal asset allocation based on the investment information using a processing algorithm; means for the information processing device to return the calculation result to the display device, which displays the calculation result; means for the information processing device to acquire financial market data at regular time intervals via a communication interface; means for the information processing device to reflect the acquired data in the user's asset allocation in real time; and means for the information processing device to transmit the updated asset allocation information to the display device, which displays it in real time. This enables users to perform efficient and reliable investment management.

[0147] "Login information" refers to information including a "user ID" and "password" required for a user to access the authentication system.

[0148] An "information processing device" is a computer system that processes received login information and investment information, and performs various processes such as comparison with a database, authentication, calculation, and updating.

[0149] A "memory device" is a database or storage system for long-term storage of data such as user login information, investment information, and transaction history.

[0150] A "display device" is a device for visually displaying authentication results, investment information, portfolio calculation results, etc. to a user, and includes computer monitors and smartphone screens.

[0151] An "operation screen" is an interface that allows a user to input data to the system, and includes a login screen, a dashboard screen, and the like.

[0152] "Investment information" refers to information such as "capital," "risk tolerance," and "investment period" that a user inputs when making an investment.

[0153] A "processing algorithm" is a mathematical method or calculation procedure for calculating optimal asset allocation based on input investment information, and includes Monte Carlo simulation and modern portfolio theory.

[0154] A "communication interface" is a network connection means used by an information processing device to communicate with external data providers and APIs.

[0155] "Asset Allocation" refers to information that indicates the percentage of various assets (e.g., stocks, bonds, cash) in a user's investment portfolio.

[0156] "Real-time" means that the data is updated almost immediately based on the current time.

[0157] This section explains the specific program processing and operation for implementing the "Easy Investment and Asset Management Service" system of the present invention. This system allows users to easily invest and manage their assets, and is composed of the following multiple modules.

[0158] User Authentication Module

[0159] The user authentication module is an essential module when a user accesses the system. The user enters their user ID and password on the login screen of their terminal and sends them to the server. The server compares the received login information with the information stored in the storage device and performs authentication. If authentication is successful, the server returns the authentication result to the display device, and the terminal displays the user's dashboard. This series of processes allows the system to provide high security and convenience.

[0160] Specific examples

[0161] User A enters "user_id" and "password." The device sends this information to the server. The server retrieves the corresponding "user_id" and "password" from the database and compares them. If they match, the server sends a message of successful authentication to the device, and the device displays User A's dashboard.

[0162] Prompt Sentence Examples

[0163] "Please explain the user authentication flow."

[0164] Portfolio Creation Module

[0165] The portfolio creation module is an important module in which the user inputs their own investment information and calculates the optimal portfolio based on that information. The user inputs investment information (capital, risk tolerance, investment period, etc.) on the terminal and sends it to the server. The server uses an algorithm to calculate the optimal portfolio and sends the calculation results back to the terminal. The terminal displays the results to the user, allowing the user to create an optimal investment strategy.

[0166] Specific examples

[0167] User B sets a capital of 1 million yen, a medium risk tolerance, and a 5-year investment period. The device sends this information to the server. The server uses an algorithm to calculate and generate a portfolio of 50% stocks, 40% bonds, and 10% cash, and sends it to the device. The device displays this portfolio to User B.

[0168] Prompt Sentence Examples

[0169] "Please tell me the process for generating the optimal portfolio based on investment information."

[0170] Real-time Data Acquisition Module

[0171] The real-time data acquisition module is a module that reflects market trends in real time to the user's portfolio. The server acquires financial market data at regular intervals via API. The server updates the user's portfolio based on that data, sends the updated results to the terminal, and displays them to the user in real time.

[0172] Specific examples

[0173] If stock prices rise in the market, the server retrieves the latest stock price data from the API, updates User C's portfolio valuation, and sends the result to the terminal. The terminal displays the updated valuation to User C.

[0174] Prompt Sentence Examples

[0175] "Please explain how the server retrieves real-time market data and updates the portfolio."

[0176] Transaction Module

[0177] The transaction module is a module that allows users to execute and manage transactions. Users issue purchase or sale instructions from their terminals and send them to the server. The server executes the transaction and stores the results in a database. The transaction results are notified to the terminal and displayed to the user.

[0178] Specific examples

[0179] User D instructs to purchase 500,000 yen worth of stocks. The terminal sends this to the server. The server executes the transaction, adds 500,000 yen worth of stocks to User D's portfolio, and records the transaction history in the database. The terminal displays the results to User D.

[0180] Prompt Sentence Examples

[0181] "What are the steps a user takes to make a transaction?"

[0182] Report Generation Module

[0183] The report generation module is a module that periodically analyzes the user's investment status and generates reports based on the results. The server periodically collects and analyzes the user's investment data. It generates reports based on the analysis results and saves them in a database. The user is notified when report generation is complete, and can check the reports via their terminal.

[0184] Specific examples

[0185] The server collects and analyzes User E's investment data at the end of each month. Based on the results, it generates a report and stores it in the database. User E can check the generated report through his / her terminal and plan his / her next investment strategy.

[0186] Prompt Sentence Examples

[0187] "Please explain the process for analyzing investment situations and generating reports."

[0188] These modules create a system that allows even beginners to easily invest and manage assets.

[0189] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0190] User Authentication Module

[0191] Processing Steps

[0192] Step 1:

[0193] The user accesses the login screen of the device and enters their "user ID" and "password." This action initiates user authentication.

[0194] Input: User ID, Password

[0195] Output: Login information entered into the terminal

[0196] Step 2:

[0197] The device sends the entered login information to the server, where it is encrypted using HTTPS.

[0198] Input: User ID, Password

[0199] Output: Encrypted login information sent to the server

[0200] Step 3:

[0201] The server processes the received login information, compares it with the information stored in the storage device (database), and performs authentication. At this time, the password is verified using a hash function.

[0202] Input: User ID, password (encrypted)

[0203] Output: Authentication result (success or failure)

[0204] Step 4:

[0205] The server returns the authentication result to the terminal. If the authentication is successful, it also returns an authentication token.

[0206] Input: Authentication result

[0207] Output: Sends the authentication result (and token if successful) to the terminal.

[0208] Step 5:

[0209] The terminal receives the authentication result from the server, and if successful, displays the user's dashboard, which includes the user's basic information and current investment status.

[0210] Input: Authentication result, authentication token

[0211] Output: Display of user dashboard

[0212] ---

[0213] Portfolio Creation Module

[0214] Processing Steps

[0215] Step 1:

[0216] The user enters investment information (capital, risk tolerance, investment period) into the terminal.

[0217] Inputs: Funds, Risk Tolerance, Investment Term

[0218] Output: Investment information entered into the terminal

[0219] Step 2:

[0220] The terminal sends the investment information entered to the server, where the data is appropriately formatted (e.g., JSON format).

[0221] Input: Investment information (capital, risk tolerance, investment period)

[0222] Output: Formatted investment information is sent to the server

[0223] Step 3:

[0224] Based on the investment information received, the server calculates the optimal asset allocation using Monte Carlo simulation and modern portfolio theory.

[0225] Input: Investment Information

[0226] Output: Calculation result (optimal portfolio)

[0227] Step 4:

[0228] The server returns the calculation results to the device. The data is sent in JSON format.

[0229] Input: Calculation result

[0230] Output: The calculation result is sent to the terminal.

[0231] Step 5:

[0232] The terminal receives the calculation results from the server, analyzes them, and displays them on the screen in a user-friendly format, including recommended asset allocations.

[0233] Input: Calculation result

[0234] Output: Display recommended asset allocation

[0235] ---

[0236] Real-time Data Acquisition Module

[0237] Processing Steps

[0238] Step 1:

[0239] The server configures the APIs of financial market data providers and prepares the necessary API calls.

[0240] Input: API setting information

[0241] Output: Ready to make API calls

[0242] Step 2:

[0243] The server retrieves financial market data through API at regular intervals, including the latest stock prices, exchange rates, etc.

[0244] Input: API call

[0245] Output: Real-time market data

[0246] Step 3:

[0247] The server updates the user's portfolio based on the acquired market data, including recalculating the valuation.

[0248] Input: Real-time market data

[0249] Output: Updated portfolio information

[0250] Step 4:

[0251] The server sends the updated portfolio information to the device. The data is sent in JSON format.

[0252] Input: Updated portfolio information

[0253] Output: Updates are sent to the terminal

[0254] Step 5:

[0255] The terminal receives the updated portfolio information and displays it to the user in real time.

[0256] Input: Updated portfolio information

[0257] Output: Real-time updated portfolio display

[0258] ---

[0259] Transaction Module

[0260] Processing Steps

[0261] Step 1:

[0262] The user inputs the stock and amount to be purchased or sold from the terminal.

[0263] Input: Name, Amount

[0264] Output: Transaction information entered into the terminal

[0265] Step 2:

[0266] The terminal sends the entered transaction information to the server, where the data is appropriately formatted (e.g., JSON).

[0267] Input: Transaction information (stock, amount)

[0268] Output: Formatted transaction information is sent to the server

[0269] Step 3:

[0270] The server executes the actual trade based on the received trading information, placing the order using the broker API.

[0271] Input: Transaction information

[0272] Output: trading results

[0273] Step 4:

[0274] The server saves the result of the transaction in a database, whether it was successful or not, and adds a new entry to the trading history and portfolio information.

[0275] Input: Trading result

[0276] Output: Updated database information

[0277] Step 5:

[0278] The server notifies the terminal of the transaction result, which is then received and displayed to the user.

[0279] Input: Trading result

[0280] Output: Display of trading results

[0281] ---

[0282] Report Generation Module

[0283] Processing Steps

[0284] Step 1:

[0285] The server periodically (e.g., at the end of each month) collects the user's investment data from the database.

[0286] Input: Investment Data Collection Instructions

[0287] Output: Collected investment data

[0288] Step 2:

[0289] The server uses the collected data to analyze factors such as return rates and risk assessments.

[0290] Input: Collected investment data

[0291] Output: Analysis results

[0292] Step 3:

[0293] The server generates reports for each user based on the analysis results, including graphs, tables, and text analysis.

[0294] Input: Analysis results

[0295] Output: Generated report

[0296] Step 4:

[0297] The server stores the generated reports in a database, and users can access past reports.

[0298] Input: Generated report

[0299] Output: Saved report

[0300] Step 5:

[0301] The server notifies the user that the report has been generated, and the terminal displays a screen where the report can be viewed.

[0302] Input: Report Generation Notification

[0303] Output: Report viewing screen display

[0304] (Application example 1)

[0305] Next, a description will be given of Application Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0306] In today's world, there is a demand for platforms that allow general users to easily invest and manage their assets, but many services have complex systems that are difficult for beginners to use. Furthermore, due to insufficient integration with electronic payment services and investment decisions that reflect real-time market data, quick and accurate investment management is not possible. Furthermore, the inability to smoothly analyze investment status and generate reports often makes it difficult for users to plan their next investment strategy.

[0307] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 1 is realized by the following means.

[0308] In this invention, the server includes: means for a user to input login information and transmit it to the server; means for the server to compare the received login information with a database and perform authentication; means for the server to return the authentication result to the terminal and for the terminal to display a dashboard if authentication is successful; means for a user to input financial information, risk tolerance, and investment period and transmit it to the server; means for the server to calculate an optimal investment portfolio using an algorithm and transmit the result to the terminal; means for the server to obtain financial market data via an API, update the portfolio in real time, and transmit it to the terminal; means for a user to instruct a transaction using the balance of an electronic payment service and for the server to execute the transaction; and means for the server to periodically analyze investment data, generate reports, and make the reports viewable on the terminal. This makes it easy for even beginners to invest and manage their assets.

[0309] "Login information" refers to authentication information such as a user ID and password that a user enters when accessing a system.

[0310] A "server" is a central system that processes information received from user terminals, compares it with a database, performs calculations using algorithms, and returns the processing results.

[0311] A "database" is a storage device that stores data required by the system, such as user login information, investment information, and transaction history.

[0312] A "dashboard" is an interface that is displayed after a user logs in to the system and provides access to investment information and various functions.

[0313] "Fund information" is information about the amount of funds that the user plans to use for investment.

[0314] "Risk tolerance" is information indicating the degree of risk a user is willing to take.

[0315] "Investment period" is information indicating the period during which the user plans to make an investment.

[0316] An "investment portfolio" is a set of investments that represents the allocation of assets held by a user.

[0317] An "algorithm" is a set of procedures or rules for calculating an optimal investment portfolio based on input financial information, risk tolerance, and investment horizon.

[0318] "API" means the application programming interface used by the Server to obtain external financial market data.

[0319] "Real-time updating" refers to the process of instantly updating a user's investment portfolio in response to fluctuations in market data.

[0320] A "transaction" is an operation to purchase or sell an investment item designated by a user.

[0321] "Electronic payment service" means a service that allows users to make online and offline payments without cash.

[0322] "Transaction balance" is information indicating the user's current balance in the electronic payment service.

[0323] A "report" is a report periodically generated by the server summarizing the results of an analysis of the user's investment status and performance.

[0324] A "terminal" is a device, such as a smartphone or computer, that a user uses to access the system.

[0325] As a specific embodiment of the present invention, the following system implementation is proposed. This system allows users to easily carry out investment and asset management. The system includes a server, a terminal, and various modules, and executes specific means.

[0326] Overall structure

[0327] The system consists of the following modules:

[0328] 1. User authentication module

[0329] 2. Portfolio Creation Module

[0330] 3. Real-time data acquisition module

[0331] 4. Transaction Module

[0332] 5. Report Generation Module

[0333] User Authentication Module

[0334] In the user authentication module, the user enters login information (user ID and password) and sends it from the terminal to the server. The server compares this login information with the information stored in the database and performs authentication. If authentication is successful, the server returns a message of successful authentication to the terminal, and the terminal displays the user's dashboard.

[0335] Examples:

[0336] The user enters "user_id" and "password" and sends the information to the server. The server retrieves the corresponding information from the database, and if authentication is successful, it returns a message of successful authentication to the terminal. The terminal displays the user's dashboard.

[0337] Example prompt sentence:

[0338] "I would like to attempt authentication with user ID 'user123' and password 'pass123', please send them to the server."

[0339] Portfolio Creation Module

[0340] The user inputs financial information, risk tolerance, and investment period into the terminal and sends it to the server. The server uses this information to apply an algorithm to calculate the optimal investment portfolio. The results are then sent back to the terminal, which displays them to the user.

[0341] Examples:

[0342] The user sets a capital of 1 million yen, a medium risk tolerance, and a 5-year investment period. The terminal sends this information to the server. The server uses an algorithm to calculate and generate a portfolio of 50% stocks, 40% bonds, and 10% cash, and sends it to the terminal. The terminal then displays this portfolio information to the user.

[0343] Example prompt sentence:

[0344] "Calculate the optimal investment portfolio for a person with 1 million yen, medium risk tolerance, and a 5-year investment horizon."

[0345] Real-time Data Acquisition Module

[0346] The server retrieves financial market data from the API at regular intervals, updates the user's portfolio in real time based on this data, and sends the updated information to the terminal, which then displays the new portfolio information to the user.

[0347] Examples:

[0348] If the stock price rises in the market, the server retrieves the latest stock price data from the API, updates the user's portfolio valuation, and sends the result to the terminal, which then displays the updated valuation to the user.

[0349] Example prompt sentence:

[0350] "Update the portfolio for user 'user123' based on the latest market data."

[0351] Transaction Module

[0352] The user issues a purchase or sale command from the terminal. The terminal then sends the transaction information (amount, name, etc.) to the server. The server executes the transaction and records the results in a database. The terminal is notified of the transaction results and displayed to the user.

[0353] Examples:

[0354] A user instructs the purchase of 500,000 yen worth of stocks. The terminal sends this information to the server. The server executes the transaction, adding 500,000 yen worth of stocks to the user's portfolio and recording the transaction history in a database. The terminal displays the results to the user.

[0355] Example prompt sentence:

[0356] "Please execute a transaction to purchase 500,000 yen worth of stock."

[0357] Report Generation Module

[0358] The server periodically collects and analyzes the user's investment data. The server generates a report based on the analysis results and stores it in a database. Once the report is complete, the user is notified via their device and can view it.

[0359] Examples:

[0360] The server collects and analyzes users' investment data at the end of each month. Based on the results, it generates reports and stores them in a database. Users can then check the reports on their devices and plan their next investment strategy.

[0361] Example prompt sentence:

[0362] "Analyze the investment performance of user 'user123' over the past month and generate a report."

[0363] This invention allows users to easily invest and manage their assets. It is particularly suitable for a wide range of users, from intermediate to advanced. Furthermore, real-time data acquisition and integration with electronic payment services enable fast and efficient investment management.

[0364] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0365] Step 1:

[0366] The user enters login information (user ID and password) into the terminal and presses the send button. The terminal sends this input information to the server. The terminal input is "user_id" and "password", and the output is the login information sent to the server.

[0367] Specific behavior:

[0368] The user enters "user123" and "pass123" on the login screen and clicks the login button.

[0369] Step 2:

[0370] The server compares the received login information with the information stored in the database for authentication. The server retrieves the "user_id" and "password" from the database and compares them. The input is the login information received from the terminal, and the output is the authentication result.

[0371] Specific behavior:

[0372] The server reads "user_id: user123" and "password: pass123" from the database and compares them with the received login information.

[0373] Step 3:

[0374] If the authentication is successful, the server returns a message of successful authentication to the terminal. The input is the authentication result inside the server, and the output is the message of successful authentication sent to the terminal.

[0375] Specific behavior:

[0376] The server generates an "authentication successful" message and returns it to the terminal.

[0377] Step 4:

[0378] The terminal receives the authentication success message and displays the user's dashboard. The input is the authentication success message from the server, and the output is the dashboard displayed to the user.

[0379] Specific behavior:

[0380] The terminal receives the "authentication successful" message received from the server and displays the user's dashboard.

[0381] Step 5:

[0382] The user enters financial information, risk tolerance, and investment period on the dashboard and presses the send button. The terminal then sends this investment information to the server. The input is the investment information entered by the user, and the output is the investment information sent to the server.

[0383] Specific behavior:

[0384] The user enters "Capital: 1 million yen," "Risk tolerance: Medium," and "Investment period: 5 years" into the input fields on the dashboard and clicks the submit button.

[0385] Step 6:

[0386] The server uses the received investment information to apply an algorithm to calculate the optimal investment portfolio. The inputs are the financial information, risk tolerance, and investment period entered by the user, and the output is the calculated investment portfolio.

[0387] Specific behavior:

[0388] The server inputs the following conditions into the algorithm: 1 million yen in capital, medium risk tolerance, and a five-year investment period, and calculates a portfolio of 50% stocks, 40% bonds, and 10% cash.

[0389] Step 7:

[0390] The server sends the calculation results back to the terminal, which displays the results. The input is the calculated investment portfolio, and the output is the results displayed on the terminal.

[0391] Specific behavior:

[0392] The server sends the calculation results to the terminal, which then displays the user's portfolio information: 50% stocks, 40% bonds, and 10% cash.

[0393] Step 8:

[0394] The server retrieves financial market data from the API at regular intervals and updates the user's portfolio in real time. The input is the financial market data retrieved from the external API, and the output is the updated portfolio.

[0395] Specific behavior:

[0396] The server retrieves the latest market data from an external API and updates the user's portfolio.

[0397] Step 9:

[0398] The server sends the updated portfolio information to the terminal, which then displays the information. The input is the updated portfolio information, and the output is the latest portfolio displayed on the terminal.

[0399] Specific behavior:

[0400] The server sends the updated portfolio information to the terminal, which displays the information to the user.

[0401] Step 10:

[0402] The user uses a terminal to issue a trade (buy or sell). The terminal sends the trade information to the server. The input is the trade information entered by the user (amount, name, etc.), and the output is the trade information sent to the server.

[0403] Specific behavior:

[0404] The user selects "Purchase 500,000 yen worth of stocks" on the terminal and presses the send button.

[0405] Step 11:

[0406] The server executes the transaction based on the received transaction information and records the results in a database. The input is the transaction information received from the terminal, and the output is the transaction result recorded in the database.

[0407] Specific behavior:

[0408] The server executes a transaction to purchase stocks worth 500,000 yen and records the results in the database.

[0409] Step 12:

[0410] The server notifies the terminal of the transaction result, and the terminal displays the result to the user. The input is the transaction result generated by the server, and the output is the transaction result displayed on the terminal.

[0411] Specific behavior:

[0412] The server generates a message indicating the transaction was successful and sends it to the terminal, which then displays the transaction result to the user.

[0413] Step 13:

[0414] The server periodically collects and analyzes users' investment data. The input is the investment data stored on the server, and the output is a report generated based on the analysis results.

[0415] Specific behavior:

[0416] The server collects and analyzes users' investment data at the end of each month.

[0417] Step 14:

[0418] The server saves the generated report in a database and notifies the terminal when the report is complete. The input is the report data based on the analysis results, and the output is the report saved in the database and a notification sent to the terminal.

[0419] Specific behavior:

[0420] The server stores the generated report in a database and sends a notification to the terminal that the report has been generated.

[0421] Step 15:

[0422] The terminal receives a notification that the generation is complete and displays the report for the user to view. The input is the notification of the generation completion received from the server, and the output is the report that is displayed to the user.

[0423] Specific behavior:

[0424] The terminal receives the notification from the server and displays the report to the user.

[0425] Furthermore, an emotion engine that estimates the user's emotion may be combined. That is, the identification processing unit 290 may estimate the user's emotion using the emotion identification model 59 and perform identification processing using the user's emotion.

[0426] This paper describes a specific embodiment of the "easy investment and asset management service" system of the present invention, in particular, a system that combines an emotion engine that recognizes the user's emotions. This system allows users to easily invest and manage their assets, and is composed of multiple modules.

[0427] User Authentication Module

[0428] overview

[0429] The user enters login information from the terminal to access the system. The server performs authentication, and if successful, displays the user's dashboard.

[0430] Processing Description

[0431] The user enters their user ID and password on the device's login screen. The device sends this information to the server. The server compares the received login information with the information stored in the database and performs authentication. If authentication is successful, the server returns the authentication result to the device, and the device displays the dashboard.

[0432] Specific examples

[0433] User A enters "user_id" and "password." The device sends this information to the server. The server retrieves the corresponding "user_id" and "password" from the database and compares them. If they match, the server sends a message of successful authentication to the device, and the device displays User A's dashboard.

[0434] Portfolio Creation Module

[0435] overview

[0436] The user inputs investment information, and the server calculates and returns the optimal portfolio.

[0437] Processing Description

[0438] The user enters investment information (capital, risk tolerance, investment period, etc.) into the terminal. The terminal sends this information to the server. The server uses an algorithm to calculate the optimal portfolio and sends the results back to the terminal. The terminal displays the results to the user.

[0439] Specific examples

[0440] User B sets a capital of 1 million yen, a medium risk tolerance, and a 5-year investment period. The device sends this information to the server. The server uses an algorithm to calculate and generate a portfolio of 50% stocks, 40% bonds, and 10% cash, and sends it to the device. The device displays this portfolio to User B.

[0441] Real-time Data Acquisition Module

[0442] overview

[0443] The server obtains market data in real time and reflects it in the user's portfolio.

[0444] Processing Description

[0445] The server retrieves financial market data via API at regular intervals (e.g., every few seconds), updates the user's portfolio based on the retrieved data, and then sends the updates to the terminal and displays them in real time.

[0446] Specific examples

[0447] If stock prices rise in the market, the server retrieves the latest stock price data from the API. The server updates User C's portfolio valuation and sends the result to the terminal. The terminal displays the updated valuation to User C.

[0448] Transaction Module

[0449] overview

[0450] The user executes the transaction and the server manages the transaction.

[0451] Processing Description

[0452] The user issues a purchase or sale command from the terminal. The terminal sends the transaction information (amount, name, etc.) to the server. The server executes the transaction and records the results in a database. The transaction results are notified to the terminal and displayed to the user.

[0453] Specific examples

[0454] User D instructs to purchase 500,000 yen worth of stocks. The terminal sends this to the server. The server executes the transaction, adds 500,000 yen worth of stocks to User D's portfolio, and records the transaction history in the database. The terminal displays the results to User D.

[0455] Report Generation Module

[0456] overview

[0457] The server analyzes the user's investment status and generates a report.

[0458] Processing Description

[0459] The server periodically (e.g., at the end of each month) collects and analyzes the user's investment data. The server generates a report based on the analysis results and stores it in a database. The server then notifies the user that the report generation is complete and allows the user to view the report on their device.

[0460] Specific examples

[0461] The server collects and analyzes User E's investment data at the end of each month. Based on the results, it generates a report and stores it in the database. User E can check the generated report through his / her terminal and plan his / her next investment strategy.

[0462] Combining Emotion Engines

[0463] overview

[0464] The emotion engine recognizes the user's emotions and provides investment plan optimization and advice based on them.

[0465] Processing Description

[0466] The device sends the user's emotional data to the emotion engine, which analyzes the user's emotions and sends the results back to the server. The server uses the data from the emotion engine to provide investment plans and risk notifications appropriate for the user's emotional state.

[0467] Specific examples

[0468] While User F is making an investment plan on his / her device, the emotion engine detects impatience. The device sends the emotion data to the emotion engine, which then sends the analysis results to the server. Based on the analysis results, the server provides User F with a low-risk investment plan and advice on how to stay calm.

[0469] The processing flow will be explained below.

[0470] User Authentication Module

[0471] Step 1:

[0472] The user opens the login screen on the device.

[0473] Step 2:

[0474] The user enters login information (user ID and password).

[0475] Step 3:

[0476] The terminal sends the entered login information to the server.

[0477] Step 4:

[0478] The server compares the received login information with the information stored in the database to authenticate it.

[0479] Step 5:

[0480] The server returns the authentication result to the terminal.

[0481] Step 6:

[0482] The terminal receives the authentication result, and if authentication is successful, displays the user's dashboard.

[0483] Portfolio Creation Module

[0484] Step 1:

[0485] The user opens the portfolio creation screen on their device.

[0486] Step 2:

[0487] The user enters investment information (capital, risk tolerance, investment period, etc.).

[0488] Step 3:

[0489] The terminal transmits the input investment information to the server.

[0490] Step 4:

[0491] Based on the investment information received by the server, an algorithm is used to calculate the optimal portfolio.

[0492] Step 5:

[0493] The server returns the calculation results (optimal portfolio) to the terminal.

[0494] Step 6:

[0495] The terminal receives the calculation results and displays them to the user.

[0496] Real-time Data Acquisition Module

[0497] Step 1:

[0498] The server requests financial market data from the API at regular intervals (e.g., every few seconds).

[0499] Step 2:

[0500] The API sends the latest market data back to the server.

[0501] Step 3:

[0502] The server updates the user's portfolio based on the received market data.

[0503] Step 4:

[0504] The server transmits the updated portfolio information to the terminal.

[0505] Step 5:

[0506] The terminal displays the received portfolio information to the user.

[0507] Transaction Module

[0508] Step 1:

[0509] The user opens the trading screen on the terminal.

[0510] Step 2:

[0511] The user inputs transaction information (purchase or sale amount, brand, etc.).

[0512] Step 3:

[0513] The terminal transmits the entered transaction information to the server.

[0514] Step 4:

[0515] The server executes the transaction based on the received transaction information.

[0516] Step 5:

[0517] The server records the transaction results in a database.

[0518] Step 6:

[0519] The server returns the transaction result to the terminal.

[0520] Step 7:

[0521] The terminal receives the transaction result and displays it to the user.

[0522] Report Generation Module

[0523] Step 1:

[0524] The server periodically (for example, at the end of each month) collects the user's investment data from the database.

[0525] Step 2:

[0526] The server analyzes the collected investment data.

[0527] Step 3:

[0528] The server generates an investment report based on the analysis results.

[0529] Step 4:

[0530] The server stores the generated reports in a database.

[0531] Step 5:

[0532] The server notifies the user that the report has been generated.

[0533] Step 6:

[0534] The user views the generated report on the device.

[0535] Combining Emotion Engines

[0536] Step 1:

[0537] The user operates the device and emotion data is collected using devices such as a facial recognition camera and microphone.

[0538] Step 2:

[0539] The device sends the collected emotion data to the emotion engine.

[0540] Step 3:

[0541] The emotion engine analyzes the received emotion data and returns the results to the server.

[0542] Step 4:

[0543] The server receives the analysis results from the emotion engine and optimizes investment plans and advice based on the user's emotional state.

[0544] Step 5:

[0545] The server sends optimized investment plans and advice to the terminal.

[0546] Step 6:

[0547] The device displays optimized investment plans and advice to the user.

[0548] Specific examples

[0549] Step 1:

[0550] User F says to the terminal, "I'm feeling anxious right now, but I want to start investing."

[0551] Step 2:

[0552] The terminal sends the voice and facial expression of user F to the emotion engine.

[0553] Step 3:

[0554] The emotion engine analyzes user F's voice and detects anxiety.

[0555] Step 4:

[0556] The emotion engine sends the anxiety analysis results back to the server.

[0557] Step 5:

[0558] The server receives the analysis results, generates a low-risk investment plan, and further optimizes the advice with explanations that give the user peace of mind.

[0559] Step 6:

[0560] The server sends optimized investment plans and advice to the terminal.

[0561] Step 7:

[0562] The device displays an optimized investment plan and reassuring advice to User F.

[0563] Example 2

[0564] Next, a description will be given of Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0565] Systems for easy and efficient investment and asset management are required to integrate user authentication, input and optimization of investment information, reflect real-time data, manage transactions, generate reports, and provide investment plans that take user sentiment into account. Conventional systems provide these functions independently or only partially, making it difficult to improve the user experience while optimizing investment performance.

[0566] The identification process by the identification processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means. In this invention, the server includes a means for a user to input login information and send it to a computer, a means for the computer to compare the received login information with a storage device and perform authentication, and a means for the computer to return the authentication result to a terminal and for the terminal to display a user interface when authentication is successful. This enables user authentication to be performed quickly and reliably.

[0567] The present invention further includes a means for a user to input investment information (capital, risk tolerance, investment period, etc.) and send it to a computer, a means for the computer to calculate an optimal investment portfolio using an algorithm based on the investment information, and a means for the computer to return the calculation results to a terminal and for the terminal to display the calculation results, thereby enabling a user to easily create an optimal investment portfolio and quickly check the results.

[0568] The system further includes a means for the computer to acquire financial market data from the interface at regular time intervals, a means for the computer to update the user's investment portfolio in real time with the acquired data, and a means for the computer to transmit the updated portfolio information to the terminal and for the terminal to display it, thereby enabling the user to grasp investment performance in real time based on the latest market data and make quick decisions.

[0569] Furthermore, this invention includes a means for a user to instruct a transaction and for the terminal to send transaction information to a computer, a means for the computer to execute the transaction and record the result in a storage device, and a means for the computer to notify the terminal of the transaction result and for the terminal to display the transaction result, thereby enabling the user to execute the transaction quickly and accurately and to immediately check the result.

[0570] The present invention further includes a means for the computer to periodically collect and analyze the user's investment data, a means for the computer to generate a report based on the analysis results and store the report in a storage device, and a means for the computer to notify a terminal that the report generation is complete and for the terminal to display the report, thereby allowing the user to periodically check the performance of their investments and obtain information for making any necessary adjustments.

[0571] Finally, the system includes means for the terminal to transmit the user's emotional data to an emotional analysis engine, means for the emotional analysis engine to analyze the user's emotions and transmit the results to a computer, means for the computer to optimize an investment plan based on the emotional data, and means for the computer to transmit the optimized investment plan to the terminal and for the terminal to display it. This allows the system to provide an investment plan that takes the user's emotional state into consideration, reducing the user's psychological burden and enabling more appropriate investment decisions.

[0572] A "computer" is an electronic device that processes input information and transmits data to and from other devices over a communications network.

[0573] A "terminal" is an electronic device that a user operates and uses to input and receive information, and includes PCs, smartphones, etc.

[0574] A "storage device" is a device for permanently storing data, and includes hard disk drives and solid-state drives.

[0575] "User interface" is a general term for screen displays and operating means that allow users to interact with a system, and includes dashboards, input forms, etc.

[0576] "Investment information" refers to information required when a user makes an investment, specifically including funds, risk tolerance, investment period, etc.

[0577] An "investment portfolio" is a composition that indicates the allocation of a user's investment assets, including the ratio of stocks, bonds, cash, etc.

[0578] An "interface" is a connection means for exchanging data, and includes APIs (application programming interfaces).

[0579] "Transaction information" refers to information required when a user instructs the purchase or sale of an investment asset, and specifically refers to the amount, name, etc.

[0580] A "report" is a document that analyzes and summarizes the results and performance of investment activities, and is created in PDF, HTML, or other formats.

[0581] An "emotion analysis engine" is a software component that receives and analyzes a user's emotional data and has the function of evaluating the user's psychological state.

[0582] The present invention is an integrated system that allows users to easily invest and manage assets, and is composed of the following modules: a user authentication module, a portfolio creation module, a real-time data acquisition module, a transaction module, a report generation module, and an emotion engine.

[0583] User Authentication Module

[0584] In this module, the user first enters their user ID and password on the terminal's login screen. The terminal encrypts this information and sends it to the server. The server then compares the received information with the information stored in the storage device to perform authentication. If authentication is successful, the server returns the result to the terminal, which then displays the user interface (dashboard). This allows the user to use the system safely.

[0585] Portfolio Creation Module

[0586] The user inputs investment information (capital, risk tolerance, investment period, etc.) into the terminal and sends that information to the server. The server uses an algorithm to calculate the optimal investment portfolio based on the received investment information. The calculation results are sent back to the terminal, which displays the results to the user. This allows the user to easily check the optimal asset allocation.

[0587] Real-time Data Acquisition Module

[0588] In this module, the server retrieves market data from the API at regular intervals. The server updates the user's investment portfolio based on the retrieved data and sends the updated information to the terminal. The terminal displays the updated portfolio information to the user in real time, allowing the user to respond quickly to market fluctuations.

[0589] Transaction Module

[0590] When a user instructs a trade, the terminal sends the trade information (amount, name, etc.) to the server. The server executes the trade and records the results in a storage device. The results of the trade are notified to the terminal, which displays them to the user. This allows the user to trade accurately and quickly.

[0591] Report Generation Module

[0592] The server periodically collects and analyzes investment data. Based on the analysis results, a report is generated and saved in a storage device. Once the report is generated, the server notifies the user of its completion and allows the user to view the report on their device. This allows the user to understand their investment performance in detail.

[0593] Combining Emotion Engines

[0594] The device sends the user's emotional data to the emotion engine. The emotion engine analyzes the user's emotions and returns the results to the server. The server optimizes an investment plan suited to the user's emotional state based on the emotional data. The optimized plan is sent to the device, which displays it to the user. This makes it possible to provide an investment plan that reduces risk by taking the user's emotional state into consideration.

[0595] Examples of prompt statements

[0596] "How do you generate a portfolio when a user enters investment information?"

[0597] "Explain how the sentiment engine analyzes user sentiment and optimizes investment plans accordingly."

[0598] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0599] User Authentication Module

[0600] Processing flow

[0601] Step 1:

[0602] The user enters their user ID and password on the login screen of the device. The entered information is the "user ID" and "password," which will be used in the next step.

[0603] Step 2:

[0604] The terminal encrypts the user ID and password and sends them to the server. The encrypted data is sent to the server as the "encrypted user ID" and "encrypted password" and used in the authentication process.

[0605] Step 3:

[0606] The server decrypts the received encrypted data and compares it with the corresponding user information stored in the storage device. Based on the comparison result, it determines whether the authentication is successful or not. The result is generated as an "authentication result."

[0607] Step 4:

[0608] The server returns the authentication result to the terminal. An "authentication successful" or "authentication failed" message is sent to the terminal, which is used in the next step.

[0609] Step 5:

[0610] If the device is successfully authenticated, the dashboard is displayed. Based on the message "Authentication successful", the user interface (dashboard) is displayed.

[0611] Portfolio Creation Module

[0612] Processing flow

[0613] Step 1:

[0614] The user enters investment information (capital, risk tolerance, investment period, etc.) into the terminal. This input information is used in the next step as "capital," "risk tolerance," and "investment period."

[0615] Step 2:

[0616] The terminal sends the entered investment information to the server, which uses the data as is and transmits it as "funds," "risk tolerance," and "investment period."

[0617] Step 3:

[0618] Based on the investment information received by the server, an algorithm is used to calculate the optimal investment portfolio. The calculation is performed using "capital," "risk tolerance," and "investment period" as inputs, and the "optimal portfolio" is generated as output.

[0619] Step 4:

[0620] The server returns the calculation results to the terminal. The data sent is the "optimal portfolio" and is displayed in the next step.

[0621] Step 5:

[0622] The terminal receives the calculation results from the server and displays them to the user. The displayed content is the "optimal portfolio."

[0623] Real-time Data Acquisition Module

[0624] Processing flow

[0625] Step 1:

[0626] The server retrieves market data from the API at regular intervals. The input is the "Market Data API" and the output is the "Latest Market Data."

[0627] Step 2:

[0628] The server updates the user's investment portfolio based on the market data it obtains. The input is the latest market data, and the processed output is generated as an updated portfolio.

[0629] Step 3:

[0630] The server sends the updated portfolio information to the terminal. The data sent is the "updated portfolio" and is displayed in the next step.

[0631] Step 4:

[0632] The terminal displays the update content received from the server to the user. The content displayed is the "update portfolio."

[0633] Transaction Module

[0634] Processing flow

[0635] Step 1:

[0636] The user issues a trade instruction. The information to be entered is the "trading amount" and "trading name."

[0637] Step 2:

[0638] The terminal sends the transaction information to the server. The data sent is the "transaction amount" and "transaction name", which will be used in the next step.

[0639] Step 3:

[0640] The server executes the transaction based on the received transaction information. The inputs are the "transaction amount" and "transaction name", and the output is generated as the "transaction result".

[0641] Step 4:

[0642] The server records the transaction result in a storage device. The recorded data is the "transaction result."

[0643] Step 5:

[0644] The server notifies the terminal of the transaction result. The data sent is the "transaction result," which is displayed in the next step.

[0645] Step 6:

[0646] The terminal displays the transaction results received from the server to the user. The displayed content is "Transaction Results."

[0647] Report Generation Module

[0648] Processing flow

[0649] Step 1:

[0650] The server periodically collects the user's investment data. The input is "user investment data," and the acquired data is used in the next step as "collected data."

[0651] Step 2:

[0652] The server analyzes the collected data. The input is "collected data," and the analysis results are "analysis result data."

[0653] Step 3:

[0654] The server generates a report based on the analysis results. The input is the "analysis result data" and the output is the "report."

[0655] Step 4:

[0656] The server saves the generated report in a storage device. The recorded content is "report."

[0657] Step 5:

[0658] The server notifies the terminal that report generation is complete. The data sent is a "report generation completion notification" that will be used in the next step.

[0659] Step 6:

[0660] The terminal displays a report to the user based on the notification received from the server. The displayed content is "Report."

[0661] Combining Emotion Engines

[0662] Processing flow

[0663] Step 1:

[0664] The user inputs emotional data. The input information is an "emotional state."

[0665] Step 2:

[0666] The device sends the input emotional data to the emotion analysis engine. The data sent is the "emotional state."

[0667] Step 3:

[0668] The emotion analysis engine analyzes the emotional data. The input is the "emotional state," and the analysis results are the "emotion analysis results."

[0669] Step 4:

[0670] The emotion analysis engine sends the analysis results to the server. The data sent is the "emotion analysis results."

[0671] Step 5:

[0672] The server optimizes investment plans based on emotional data. The input is the "emotion analysis results," and the optimized "investment plan" is output.

[0673] Step 6:

[0674] The server sends the optimized investment plan to the terminal. The data sent is the "optimized investment plan."

[0675] Step 7:

[0676] The terminal displays the optimized investment plan received from the server to the user. The displayed content is "Optimized Investment Plan."

[0677] (Application example 2)

[0678] Next, a description will be given of Application Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0679] The problem that the present invention aims to solve is to provide a system that provides optimal investment advice based on a user's emotional state. Conventional investment advice systems provide only general investment strategies without taking the user's emotions into consideration, which may result in advice that is not adapted to the user's mental state. There is a need to solve this problem and provide investment advice that is more personalized to the user and reduces the user's mental burden.

[0680] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[0681] In this invention, the server includes: means for a user to input login information and transmit it to the server; means for the server to compare the received login information with a database and perform authentication; means for the server to return the authentication result to the terminal and for the terminal to display a dashboard if authentication is successful; means for the terminal to transmit user emotion data to an emotion engine; means for the emotion engine to analyze the user's emotions and return the results to the server; and means for the server to use the data from the emotion engine to provide personalized advice according to the user's emotional state. This makes it possible to provide optimal investment advice based on the user's emotional state.

[0682] "User" means an individual or legal entity that uses the system to manage investments and asset management.

[0683] "Login Information" means authentication information such as a user ID and password required for a user to access the system.

[0684] A "server" is a computer system that receives information from a user, analyzes it, and returns the results.

[0685] "Database" means an electronic information management system for managing and storing user login information and investment-related data.

[0686] "Authentication" is the process of verifying whether the login information entered by the user is correct.

[0687] "Emotion data" is information that indicates the emotional state of the user, and is data obtained by facial recognition, voice analysis, or the like.

[0688] An "emotion engine" is software or a system for analyzing a user's emotional data to identify their emotional state.

[0689] "Analysis" is the process of extracting information from received data and understanding its meaning.

[0690] "Personalized advice" refers to investment advice and suggestions that are optimized for a user's individual emotional state and investment situation.

[0691] "Investment information" refers to data such as the amount of funds provided by the user, risk tolerance, and investment period.

[0692] "Portfolio" refers to the combination of a user's investment assets and their composition ratios.

[0693] An "algorithm" is a set of procedures or formulas for making calculations or decisions based on input data.

[0694] An "API" is an interface for obtaining and providing data in collaboration with other software applications.

[0695] "Risk warnings" are information intended to inform users of potential risks in investing based on their emotional state.

[0696] The "Easy Investment and Asset Management Service" system of this invention is a system for recognizing a user's emotions and providing optimal investment advice based on those emotions. This system includes multiple modules, as shown below, each of which performs a specific function.

[0697] User Authentication Module

[0698] In this module, the user enters their login information and sends it to the server. The server compares the received login information with the database for authentication and returns the authentication result to the terminal. If authentication is successful, the terminal displays the user's dashboard.

[0699] Portfolio Creation Module

[0700] The user inputs investment information (capital, risk tolerance, investment period, etc.) and sends it to the server. The server uses an algorithm to calculate the optimal portfolio based on this information and sends the results back to the terminal. The terminal then displays the calculation results to the user.

[0701] Real-time Data Acquisition Module

[0702] The server retrieves financial market data from the API at regular intervals, updates the user's portfolio in real time based on the retrieved data, and sends the results to the terminal for display.

[0703] Transaction Module

[0704] The user executes the transaction and the server manages the transaction. The user issues a purchase or sale instruction from the terminal and sends the information to the server. The server executes the transaction, records the results in a database, and notifies the terminal.

[0705] Report Generation Module

[0706] The server periodically collects and analyzes the user's investment data, generates a report based on the analysis results, stores it in a database, and then notifies the user of the report via their device so that they can view it.

[0707] Combining Emotion Engines

[0708] The device sends the user's emotional data to the emotion engine, which then analyzes the emotion. The emotion analysis results are then sent back to the server, which then uses the data to provide personalized investment advice and risk warnings according to the user's emotional state. This reduces the user's mental burden and supports more appropriate investment decisions.

[0709] Hardware and software used:

[0710] Hardware: Smartphone camera, server

[0711] Software: Python, OpenCV, DeepFace, Flask

[0712] Examples:

[0713] The user opens the app on their smartphone at home and takes a photo of their face with the camera. The app uses an emotion recognition engine to recognize "happiness" and sends the data to the server. Based on the emotion data, the server recommends relaxation items and hobby-related products to users who are feeling happy.

[0714] Example prompt for a generative AI model:

[0715] "Please explain the design of a system that analyzes emotions from photos taken by users with a smartphone camera and recommends suitable products based on those emotions."

[0716] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0717] Step 1:

[0718] The user launches the smartphone app and enters their user ID and password on the login screen. The device then sends this login information to the server.

[0719] Input: User ID, Password

[0720] Processing: Collection and transmission of login information

[0721] Output: Login information sent to the server

[0722] Step 2:

[0723] The server compares the received login information with the information in its database and performs authentication. If authentication is successful, the server returns a message of successful authentication to the terminal, and the terminal displays the user's dashboard.

[0724] Input: Login information, information in database

[0725] Processing: Compare and authenticate login information

[0726] Output: Authentication success message, dashboard display

[0727] Step 3:

[0728] The user enters investment information (capital, risk tolerance, investment period, etc.) through the dashboard, and the terminal sends it to the server.

[0729] Inputs: Funds, Risk Tolerance, Investment Term

[0730] Processing: Collection and transmission of investment information

[0731] Output: Investment information is sent to the server

[0732] Step 4:

[0733] The server uses an algorithm to calculate the optimal portfolio based on the received investment information and returns the results to the terminal, which then displays the results to the user.

[0734] Input: Investment Information

[0735] Processing: Algorithmic portfolio calculation

[0736] Output: Optimal portfolio, calculation results

[0737] Step 5:

[0738] The server retrieves financial market data through API at regular intervals and updates the user's portfolio in real time based on the retrieved data. The updated results are sent to the terminal and displayed to the user in real time.

[0739] Input: Financial market data

[0740] Processing: Retrieving real-time data and updating portfolios

[0741] Output: Updated portfolio, displayed in real time

[0742] Step 6:

[0743] The user issues a transaction (purchase or sale) from the terminal. The terminal sends the transaction information to the server, which then executes the transaction. The execution results are recorded in a database, sent back to the terminal, and displayed to the user.

[0744] Input: Transaction information (amount, name, etc.)

[0745] Processing: Executing and recording transactions

[0746] Output: trading results, trading history record, trading result display

[0747] Step 7:

[0748] The device sends the user's facial image data to the emotion engine, which analyzes it to determine the user's emotional state, and the analysis results are sent back to the server.

[0749] Input: Face image data

[0750] Processing: Emotion Recognition

[0751] Output: Emotion analysis results

[0752] Step 8:

[0753] The server generates personalized advice based on the user's emotional state based on the emotion analysis results and sends it to the device, which then displays the advice to the user.

[0754] Input: Sentiment analysis results

[0755] Action: Generate personalized advice

[0756] Output: Display advice

[0757] 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 a user input regarding the result of the specific processing. The control unit 46A transmits audio data indicating the 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.

[0758] The data generation model 58 is a so-called generative AI (Artificial Intelligence). An example of the data generation model 58 is ChatGPT (Internet Search<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search <url: https: gemini.google.com ?hl="ja">) and other generation AIs. The data generation model 58 is obtained by performing deep learning on a neural network. A prompt including an instruction is input to the data generation model 58, and inference data such as voice data indicating voice, text data indicating text, and image data indicating an image is also input. The data generation model 58 performs inference on the input inference data in accordance with the instruction indicated by the prompt, and outputs the inference result in a data format such as voice data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization.

[0759] In the above embodiment, an example in which the specific process is performed by the data processing device 12 has been given, but the technology of the present disclosure is not limited to this, and the specific process may be performed by the smart device 14.

[0760] [Second embodiment]

[0761] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0762] 3, the data processing system 210 includes the data processing device 12 and smart glasses 214. An example of the data processing device 12 is a server.

[0763] The data processing device 12 includes a computer 22, a database 24, and a communication I / F 26. The computer 22 is an example of a "computer" according to the technology of the present disclosure. The computer 22 includes a processor 28, a RAM 30, and a storage 32. The processor 28, the RAM 30, and the storage 32 are connected to a bus 34. The database 24 and the communication I / F 26 are also connected to the bus 34. The communication I / F 26 is connected to a network 54. Examples of the network 54 include a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[0764] The smart glasses 214 include a computer 36, a microphone 238, a speaker 240, a camera 42, and a communication I / F 44. The computer 36 includes a processor 46, a RAM 48, and a storage 50. The processor 46, the RAM 48, and the storage 50 are connected to a bus 52. The microphone 238, the speaker 240, and the camera 42 are also connected to the bus 52.

[0765] The microphone 238 receives instructions and the like from the user 20 by receiving voice uttered by the user 20. The microphone 238 captures the voice uttered by the user 20, converts the captured voice into audio data, and outputs it to the processor 46. The speaker 240 outputs audio in accordance with instructions from the processor 46.

[0766] Camera 42 is a small digital camera equipped with an optical system including a lens, aperture, and shutter, and an imaging element such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor, and captures images of the surroundings of user 20 (for example, an imaging range defined by an angle of view equivalent to the field of vision of a typical healthy person).

[0767] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 are responsible for the exchange of various information between the processor 46 and the processor 28 via the network 54. The exchange of various information between the processor 46 and the processor 28 using the communication I / Fs 44 and 26 is carried out in a secure state.

[0768] Fig. 4 shows an example of the main functions of the data processing device 12 and the smart glasses 214. As shown in Fig. 4, in the data processing device 12, a specific process is performed by the processor 28. A specific process program 56 is stored in the storage 32.

[0769] The specific processing program 56 is an example of a "program" according to the technology of the present 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.

[0770] The storage 32 stores a data generation model 58 and an emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[0771] In the smart glasses 214, the reception output process is performed by the processor 46. A reception output program 60 is stored in the storage 50. 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 process is realized by the processor 46 operating as the control unit 46A in accordance with the reception output program 60 executed on the RAM 48.

[0772] Next, a description will be given of the identification process performed by the identification processing unit 290 of the data processing device 12. 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."

[0773] This section explains the specific program processing and operation of the "Easy Investment and Asset Management Service" system according to the present invention. This system allows users to easily invest and manage their assets, and is composed of multiple modules.

[0774] User Authentication Module

[0775] overview

[0776] The user enters login information from the terminal to access the system. The server performs authentication, and if successful, displays the user's dashboard.

[0777] Processing Description

[0778] The user enters their user ID and password on the device's login screen. The device sends this information to the server. The server compares the received login information with the information stored in the database and performs authentication. If authentication is successful, the server returns the authentication result to the device, and the device displays the dashboard.

[0779] Specific examples

[0780] User A enters "user_id" and "password." The device sends this information to the server. The server retrieves the corresponding "user_id" and "password" from the database and compares them. If they match, the server sends a message of successful authentication to the device, and the device displays User A's dashboard.

[0781] Portfolio Creation Module

[0782] overview

[0783] The user inputs investment information, and the server calculates and returns the optimal portfolio.

[0784] Processing Description

[0785] The user enters investment information (capital, risk tolerance, investment period, etc.) into the terminal. The terminal sends this information to the server. The server uses an algorithm to calculate the optimal portfolio and sends the results back to the terminal. The terminal displays the results to the user.

[0786] Specific examples

[0787] User B sets a capital of 1 million yen, a medium risk tolerance, and a 5-year investment period. The device sends this information to the server. The server uses an algorithm to calculate and generate a portfolio of 50% stocks, 40% bonds, and 10% cash, and sends it to the device. The device displays this portfolio to User B.

[0788] Real-time Data Acquisition Module

[0789] overview

[0790] The server obtains market data in real time and reflects it in the user's portfolio.

[0791] Processing Description

[0792] The server retrieves financial market data via API at regular intervals (e.g., every few seconds), updates the user's portfolio based on the retrieved data, and then sends the updates to the terminal and displays them in real time.

[0793] Specific examples

[0794] If stock prices rise in the market, the server retrieves the latest stock price data from the API. The server updates User C's portfolio valuation and sends the result to the terminal. The terminal displays the updated valuation to User C.

[0795] Transaction Module

[0796] overview

[0797] The user executes the transaction and the server manages the transaction.

[0798] Processing Description

[0799] The user issues a purchase or sale command from the terminal. The terminal sends the transaction information (amount, name, etc.) to the server. The server executes the transaction and records the results in a database. The transaction results are notified to the terminal and displayed to the user.

[0800] Specific examples

[0801] User D instructs to purchase 500,000 yen worth of stocks. The terminal sends this to the server. The server executes the transaction, adds 500,000 yen worth of stocks to User D's portfolio, and records the transaction history in the database. The terminal displays the results to User D.

[0802] Report Generation Module

[0803] overview

[0804] The server analyzes the user's investment status and generates a report.

[0805] Processing Description

[0806] The server periodically (e.g., at the end of each month) collects and analyzes the user's investment data. The server generates a report based on the analysis results and stores it in a database. The server then notifies the user that the report generation is complete and allows the user to view the report on their device.

[0807] Specific examples

[0808] The server collects and analyzes User E's investment data at the end of each month. Based on the results, it generates a report and stores it in the database. User E can check the generated report through his / her terminal and plan his / her next investment strategy.

[0809] These modules create a system that allows even beginners to easily invest and manage assets.

[0810] The processing flow will be explained below.

[0811] User Authentication Module

[0812] Step 1:

[0813] The user opens the login screen on the device.

[0814] Step 2:

[0815] The user enters login information (user ID and password).

[0816] Step 3:

[0817] The terminal sends the entered login information to the server.

[0818] Step 4:

[0819] The server compares the received login information with the information stored in the database to authenticate it.

[0820] Step 5:

[0821] The server returns the authentication result to the terminal.

[0822] Step 6:

[0823] The terminal receives the authentication result, and if authentication is successful, displays the user's dashboard.

[0824] Portfolio Creation Module

[0825] Step 1:

[0826] The user opens the portfolio creation screen on their device.

[0827] Step 2:

[0828] The user enters investment information (capital, risk tolerance, investment period, etc.).

[0829] Step 3:

[0830] The terminal transmits the input investment information to the server.

[0831] Step 4:

[0832] Based on the investment information received by the server, an algorithm is used to calculate the optimal portfolio.

[0833] Step 5:

[0834] The server returns the calculation results (optimal portfolio) to the terminal.

[0835] Step 6:

[0836] The terminal receives the calculation results and displays them to the user.

[0837] Real-time Data Acquisition Module

[0838] Step 1:

[0839] The server requests financial market data from the API at regular intervals (e.g., every few seconds).

[0840] Step 2:

[0841] The API sends the latest market data back to the server.

[0842] Step 3:

[0843] The server updates the user's portfolio based on the received market data.

[0844] Step 4:

[0845] The server transmits the updated portfolio information to the terminal.

[0846] Step 5:

[0847] The terminal displays the received portfolio information to the user.

[0848] Transaction Module

[0849] Step 1:

[0850] The user opens the trading screen on the terminal.

[0851] Step 2:

[0852] The user inputs transaction information (purchase or sale amount, brand, etc.).

[0853] Step 3:

[0854] The terminal transmits the entered transaction information to the server.

[0855] Step 4:

[0856] The server executes the transaction based on the received transaction information.

[0857] Step 5:

[0858] The server records the transaction results in a database.

[0859] Step 6:

[0860] The server returns the transaction result to the terminal.

[0861] Step 7:

[0862] The terminal receives the transaction result and displays it to the user.

[0863] Report Generation Module

[0864] Step 1:

[0865] The server periodically (for example, at the end of each month) collects the user's investment data from the database.

[0866] Step 2:

[0867] The server analyzes the collected investment data.

[0868] Step 3:

[0869] The server generates an investment report based on the analysis results.

[0870] Step 4:

[0871] The server stores the generated reports in a database.

[0872] Step 5:

[0873] The server notifies the user that the report has been generated.

[0874] Step 6:

[0875] The user views the generated report on the device.

[0876] Example 1

[0877] Next, a description will be given of Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the smart glasses 214 will be referred to as a "terminal."

[0878] Conventional investment systems lacked easy login and authentication methods for users. They also lacked mechanisms for creating optimal portfolios based on investment information and for quickly updating real-time market data. This made it difficult for users to efficiently and reliably manage their investments. Furthermore, a system that provided all of these functions in an integrated and seamless manner was needed.

[0879] The specific processing by the specific processing unit 290 of the data processing device 12 in the first embodiment is realized by the following means.

[0880] In this invention, the server includes: means for a user to input login information and transmit it to the information processing device; means for the information processing device to compare the received login information with the storage device and perform authentication; means for the information processing device to return the authentication result to the display device, which displays an operation screen when authentication is successful; means for a user to input investment information (funds, risk tolerance, investment period, etc.) and transmit it to the information processing device; means for the information processing device to calculate an optimal asset allocation based on the investment information using a processing algorithm; means for the information processing device to return the calculation result to the display device, which displays the calculation result; means for the information processing device to acquire financial market data at regular time intervals via a communication interface; means for the information processing device to reflect the acquired data in the user's asset allocation in real time; and means for the information processing device to transmit the updated asset allocation information to the display device, which displays it in real time. This enables users to perform efficient and reliable investment management.

[0881] "Login information" refers to information including a "user ID" and "password" required for a user to access the authentication system.

[0882] An "information processing device" is a computer system that processes received login information and investment information, and performs various processes such as comparison with a database, authentication, calculation, and updating.

[0883] A "memory device" is a database or storage system for long-term storage of data such as user login information, investment information, and transaction history.

[0884] A "display device" is a device for visually displaying authentication results, investment information, portfolio calculation results, etc. to a user, and includes computer monitors and smartphone screens.

[0885] An "operation screen" is an interface that allows a user to input data to the system, and includes a login screen, a dashboard screen, and the like.

[0886] "Investment information" refers to information such as "capital," "risk tolerance," and "investment period" that a user inputs when making an investment.

[0887] A "processing algorithm" is a mathematical method or calculation procedure for calculating optimal asset allocation based on input investment information, and includes Monte Carlo simulation and modern portfolio theory.

[0888] A "communication interface" is a network connection means used by an information processing device to communicate with external data providers and APIs.

[0889] "Asset Allocation" refers to information that indicates the percentage of various assets (e.g., stocks, bonds, cash) in a user's investment portfolio.

[0890] "Real-time" means that the data is updated almost immediately based on the current time.

[0891] This section explains the specific program processing and operation for implementing the "Easy Investment and Asset Management Service" system of the present invention. This system allows users to easily invest and manage their assets, and is composed of the following multiple modules.

[0892] User Authentication Module

[0893] The user authentication module is an essential module when a user accesses the system. The user enters their user ID and password on the login screen of their terminal and sends them to the server. The server compares the received login information with the information stored in the storage device and performs authentication. If authentication is successful, the server returns the authentication result to the display device, and the terminal displays the user's dashboard. This series of processes allows the system to provide high security and convenience.

[0894] Specific examples

[0895] User A enters "user_id" and "password." The device sends this information to the server. The server retrieves the corresponding "user_id" and "password" from the database and compares them. If they match, the server sends a message of successful authentication to the device, and the device displays User A's dashboard.

[0896] Prompt Sentence Examples

[0897] "Please explain the user authentication flow."

[0898] Portfolio Creation Module

[0899] The portfolio creation module is an important module in which the user inputs their own investment information and calculates the optimal portfolio based on that information. The user inputs investment information (capital, risk tolerance, investment period, etc.) on the terminal and sends it to the server. The server uses an algorithm to calculate the optimal portfolio and sends the calculation results back to the terminal. The terminal displays the results to the user, allowing the user to create an optimal investment strategy.

[0900] Specific examples

[0901] User B sets a capital of 1 million yen, a medium risk tolerance, and a 5-year investment period. The device sends this information to the server. The server uses an algorithm to calculate and generate a portfolio of 50% stocks, 40% bonds, and 10% cash, and sends it to the device. The device displays this portfolio to User B.

[0902] Prompt Sentence Examples

[0903] "Please tell me the process for generating the optimal portfolio based on investment information."

[0904] Real-time Data Acquisition Module

[0905] The real-time data acquisition module is a module that reflects market trends in real time to the user's portfolio. The server acquires financial market data at regular intervals via API. The server updates the user's portfolio based on that data, sends the updated results to the terminal, and displays them to the user in real time.

[0906] Specific examples

[0907] If stock prices rise in the market, the server retrieves the latest stock price data from the API, updates User C's portfolio valuation, and sends the result to the terminal. The terminal displays the updated valuation to User C.

[0908] Prompt Sentence Examples

[0909] "Please explain how the server retrieves real-time market data and updates the portfolio."

[0910] Transaction Module

[0911] The transaction module is a module that allows users to execute and manage transactions. Users issue purchase or sale instructions from their terminals and send them to the server. The server executes the transaction and stores the results in a database. The transaction results are notified to the terminal and displayed to the user.

[0912] Specific examples

[0913] User D instructs to purchase 500,000 yen worth of stocks. The terminal sends this to the server. The server executes the transaction, adds 500,000 yen worth of stocks to User D's portfolio, and records the transaction history in the database. The terminal displays the results to User D.

[0914] Prompt Sentence Examples

[0915] "What are the steps a user takes to make a transaction?"

[0916] Report Generation Module

[0917] The report generation module is a module that periodically analyzes the user's investment status and generates reports based on the results. The server periodically collects and analyzes the user's investment data. It generates reports based on the analysis results and saves them in a database. The user is notified when report generation is complete, and can check the reports via their terminal.

[0918] Specific examples

[0919] The server collects and analyzes User E's investment data at the end of each month. Based on the results, it generates a report and stores it in the database. User E can check the generated report through his / her terminal and plan his / her next investment strategy.

[0920] Prompt Sentence Examples

[0921] "Please explain the process for analyzing investment situations and generating reports."

[0922] These modules create a system that allows even beginners to easily invest and manage assets.

[0923] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0924] User Authentication Module

[0925] Processing Steps

[0926] Step 1:

[0927] The user accesses the login screen of the device and enters their "user ID" and "password." This action initiates user authentication.

[0928] Input: User ID, Password

[0929] Output: Login information entered into the terminal

[0930] Step 2:

[0931] The device sends the entered login information to the server, where it is encrypted using HTTPS.

[0932] Input: User ID, Password

[0933] Output: Encrypted login information sent to the server

[0934] Step 3:

[0935] The server processes the received login information, compares it with the information stored in the storage device (database), and performs authentication. At this time, the password is verified using a hash function.

[0936] Input: User ID, password (encrypted)

[0937] Output: Authentication result (success or failure)

[0938] Step 4:

[0939] The server returns the authentication result to the terminal. If the authentication is successful, it also returns an authentication token.

[0940] Input: Authentication result

[0941] Output: Sends the authentication result (and token if successful) to the terminal.

[0942] Step 5:

[0943] The terminal receives the authentication result from the server, and if successful, displays the user's dashboard, which includes the user's basic information and current investment status.

[0944] Input: Authentication result, authentication token

[0945] Output: Display of user dashboard

[0946] ---

[0947] Portfolio Creation Module

[0948] Processing Steps

[0949] Step 1:

[0950] The user enters investment information (capital, risk tolerance, investment period) into the terminal.

[0951] Inputs: Funds, Risk Tolerance, Investment Term

[0952] Output: Investment information entered into the terminal

[0953] Step 2:

[0954] The terminal sends the investment information entered to the server, where the data is appropriately formatted (e.g., JSON format).

[0955] Input: Investment information (capital, risk tolerance, investment period)

[0956] Output: Formatted investment information is sent to the server

[0957] Step 3:

[0958] Based on the investment information received, the server calculates the optimal asset allocation using Monte Carlo simulation and modern portfolio theory.

[0959] Input: Investment Information

[0960] Output: Calculation result (optimal portfolio)

[0961] Step 4:

[0962] The server returns the calculation results to the device. The data is sent in JSON format.

[0963] Input: Calculation result

[0964] Output: The calculation result is sent to the terminal.

[0965] Step 5:

[0966] The terminal receives the calculation results from the server, analyzes them, and displays them on the screen in a user-friendly format, including recommended asset allocations.

[0967] Input: Calculation result

[0968] Output: Display recommended asset allocation

[0969] ---

[0970] Real-time Data Acquisition Module

[0971] Processing Steps

[0972] Step 1:

[0973] The server configures the APIs of financial market data providers and prepares the necessary API calls.

[0974] Input: API setting information

[0975] Output: Ready to make API calls

[0976] Step 2:

[0977] The server retrieves financial market data through API at regular intervals, including the latest stock prices, exchange rates, etc.

[0978] Input: API call

[0979] Output: Real-time market data

[0980] Step 3:

[0981] The server updates the user's portfolio based on the acquired market data, including recalculating the valuation.

[0982] Input: Real-time market data

[0983] Output: Updated portfolio information

[0984] Step 4:

[0985] The server sends the updated portfolio information to the device. The data is sent in JSON format.

[0986] Input: Updated portfolio information

[0987] Output: Updates are sent to the terminal

[0988] Step 5:

[0989] The terminal receives the updated portfolio information and displays it to the user in real time.

[0990] Input: Updated portfolio information

[0991] Output: Real-time updated portfolio display

[0992] ---

[0993] Transaction Module

[0994] Processing Steps

[0995] Step 1:

[0996] The user inputs the stock and amount to be purchased or sold from the terminal.

[0997] Input: Name, Amount

[0998] Output: Transaction information entered into the terminal

[0999] Step 2:

[1000] The terminal sends the entered transaction information to the server, where the data is appropriately formatted (e.g., JSON).

[1001] Input: Transaction information (stock, amount)

[1002] Output: Formatted transaction information is sent to the server

[1003] Step 3:

[1004] The server executes the actual trade based on the received trading information, placing the order using the broker API.

[1005] Input: Transaction information

[1006] Output: trading results

[1007] Step 4:

[1008] The server saves the result of the transaction in a database, whether it was successful or not, and adds a new entry to the trading history and portfolio information.

[1009] Input: Trading result

[1010] Output: Updated database information

[1011] Step 5:

[1012] The server notifies the terminal of the transaction result, which is then received and displayed to the user.

[1013] Input: Trading result

[1014] Output: Display of trading results

[1015] ---

[1016] Report Generation Module

[1017] Processing Steps

[1018] Step 1:

[1019] The server periodically (e.g., at the end of each month) collects the user's investment data from the database.

[1020] Input: Investment Data Collection Instructions

[1021] Output: Collected investment data

[1022] Step 2:

[1023] The server uses the collected data to analyze factors such as return rates and risk assessments.

[1024] Input: Collected investment data

[1025] Output: Analysis results

[1026] Step 3:

[1027] The server generates reports for each user based on the analysis results, including graphs, tables, and text analysis.

[1028] Input: Analysis results

[1029] Output: Generated report

[1030] Step 4:

[1031] The server stores the generated reports in a database, and users can access past reports.

[1032] Input: Generated report

[1033] Output: Saved report

[1034] Step 5:

[1035] The server notifies the user that the report has been generated, and the terminal displays a screen where the report can be viewed.

[1036] Input: Report Generation Notification

[1037] Output: Report viewing screen display

[1038] (Application example 1)

[1039] Next, a description will be given of Application Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the smart glasses 214 will be referred to as a "terminal."

[1040] In today's world, there is a demand for platforms that allow general users to easily invest and manage their assets, but many services have complex systems that are difficult for beginners to use. Furthermore, due to insufficient integration with electronic payment services and investment decisions that reflect real-time market data, quick and accurate investment management is not possible. Furthermore, the inability to smoothly analyze investment status and generate reports often makes it difficult for users to plan their next investment strategy.

[1041] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 1 is realized by the following means.

[1042] In this invention, the server includes: means for a user to input login information and transmit it to the server; means for the server to compare the received login information with a database and perform authentication; means for the server to return the authentication result to the terminal and for the terminal to display a dashboard if authentication is successful; means for a user to input financial information, risk tolerance, and investment period and transmit it to the server; means for the server to calculate an optimal investment portfolio using an algorithm and transmit the result to the terminal; means for the server to obtain financial market data via an API, update the portfolio in real time, and transmit it to the terminal; means for a user to instruct a transaction using the balance of an electronic payment service and for the server to execute the transaction; and means for the server to periodically analyze investment data, generate reports, and make the reports viewable on the terminal. This makes it easy for even beginners to invest and manage their assets.

[1043] "Login information" refers to authentication information such as a user ID and password that a user enters when accessing a system.

[1044] A "server" is a central system that processes information received from user terminals, compares it with a database, performs calculations using algorithms, and returns the processing results.

[1045] A "database" is a storage device that stores data required by the system, such as user login information, investment information, and transaction history.

[1046] A "dashboard" is an interface that is displayed after a user logs in to the system and provides access to investment information and various functions.

[1047] "Fund information" is information about the amount of funds that the user plans to use for investment.

[1048] "Risk tolerance" is information indicating the degree of risk a user is willing to take.

[1049] "Investment period" is information indicating the period during which the user plans to make an investment.

[1050] An "investment portfolio" is a set of investments that represents the allocation of assets held by a user.

[1051] An "algorithm" is a set of procedures or rules for calculating an optimal investment portfolio based on input financial information, risk tolerance, and investment horizon.

[1052] "API" means the application programming interface used by the Server to obtain external financial market data.

[1053] "Real-time updating" refers to the process of instantly updating a user's investment portfolio in response to fluctuations in market data.

[1054] A "transaction" is an operation to purchase or sell an investment item designated by a user.

[1055] "Electronic payment service" means a service that allows users to make online and offline payments without cash.

[1056] "Transaction balance" is information indicating the user's current balance in the electronic payment service.

[1057] A "report" is a report periodically generated by the server summarizing the results of an analysis of the user's investment status and performance.

[1058] A "terminal" is a device, such as a smartphone or computer, that a user uses to access the system.

[1059] As a specific embodiment of the present invention, the following system implementation is proposed. This system allows users to easily carry out investment and asset management. The system includes a server, a terminal, and various modules, and executes specific means.

[1060] Overall structure

[1061] The system consists of the following modules:

[1062] 1. User authentication module

[1063] 2. Portfolio Creation Module

[1064] 3. Real-time data acquisition module

[1065] 4. Transaction Module

[1066] 5. Report Generation Module

[1067] User Authentication Module

[1068] In the user authentication module, the user enters login information (user ID and password) and sends it from the terminal to the server. The server compares this login information with the information stored in the database and performs authentication. If authentication is successful, the server returns a message of successful authentication to the terminal, and the terminal displays the user's dashboard.

[1069] Examples:

[1070] The user enters "user_id" and "password" and sends the information to the server. The server retrieves the corresponding information from the database, and if authentication is successful, it returns a message of successful authentication to the terminal. The terminal displays the user's dashboard.

[1071] Example prompt sentence:

[1072] "I would like to attempt authentication with user ID 'user123' and password 'pass123', please send them to the server."

[1073] Portfolio Creation Module

[1074] The user inputs financial information, risk tolerance, and investment period into the terminal and sends it to the server. The server uses this information to apply an algorithm to calculate the optimal investment portfolio. The results are then sent back to the terminal, which displays them to the user.

[1075] Examples:

[1076] The user sets a capital of 1 million yen, a medium risk tolerance, and a 5-year investment period. The terminal sends this information to the server. The server uses an algorithm to calculate and generate a portfolio of 50% stocks, 40% bonds, and 10% cash, and sends it to the terminal. The terminal then displays this portfolio information to the user.

[1077] Example prompt sentence:

[1078] "Calculate the optimal investment portfolio for a person with 1 million yen, medium risk tolerance, and a 5-year investment horizon."

[1079] Real-time Data Acquisition Module

[1080] The server retrieves financial market data from the API at regular intervals, updates the user's portfolio in real time based on this data, and sends the updated information to the terminal, which then displays the new portfolio information to the user.

[1081] Examples:

[1082] If the stock price rises in the market, the server retrieves the latest stock price data from the API, updates the user's portfolio valuation, and sends the result to the terminal, which then displays the updated valuation to the user.

[1083] Example prompt sentence:

[1084] "Update the portfolio for user 'user123' based on the latest market data."

[1085] Transaction Module

[1086] The user issues a purchase or sale command from the terminal. The terminal then sends the transaction information (amount, name, etc.) to the server. The server executes the transaction and records the results in a database. The terminal is notified of the transaction results and displayed to the user.

[1087] Examples:

[1088] A user instructs the purchase of 500,000 yen worth of stocks. The terminal sends this information to the server. The server executes the transaction, adding 500,000 yen worth of stocks to the user's portfolio and recording the transaction history in a database. The terminal displays the results to the user.

[1089] Example prompt sentence:

[1090] "Please execute a transaction to purchase 500,000 yen worth of stock."

[1091] Report Generation Module

[1092] The server periodically collects and analyzes the user's investment data. The server generates a report based on the analysis results and stores it in a database. Once the report is complete, the user is notified via their device and can view it.

[1093] Examples:

[1094] The server collects and analyzes users' investment data at the end of each month. Based on the results, it generates reports and stores them in a database. Users can then check the reports on their devices and plan their next investment strategy.

[1095] Example prompt sentence:

[1096] "Analyze the investment performance of user 'user123' over the past month and generate a report."

[1097] This invention allows users to easily invest and manage their assets. It is particularly suitable for a wide range of users, from intermediate to advanced. Furthermore, real-time data acquisition and integration with electronic payment services enable fast and efficient investment management.

[1098] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1099] Step 1:

[1100] The user enters login information (user ID and password) into the terminal and presses the send button. The terminal sends this input information to the server. The terminal input is "user_id" and "password", and the output is the login information sent to the server.

[1101] Specific behavior:

[1102] The user enters "user123" and "pass123" on the login screen and clicks the login button.

[1103] Step 2:

[1104] The server compares the received login information with the information stored in the database for authentication. The server retrieves the "user_id" and "password" from the database and compares them. The input is the login information received from the terminal, and the output is the authentication result.

[1105] Specific behavior:

[1106] The server reads "user_id: user123" and "password: pass123" from the database and compares them with the received login information.

[1107] Step 3:

[1108] If the authentication is successful, the server returns a message of successful authentication to the terminal. The input is the authentication result inside the server, and the output is the message of successful authentication sent to the terminal.

[1109] Specific behavior:

[1110] The server generates an "authentication successful" message and returns it to the terminal.

[1111] Step 4:

[1112] The terminal receives the authentication success message and displays the user's dashboard. The input is the authentication success message from the server, and the output is the dashboard displayed to the user.

[1113] Specific behavior:

[1114] The terminal receives the "authentication successful" message received from the server and displays the user's dashboard.

[1115] Step 5:

[1116] The user enters financial information, risk tolerance, and investment period on the dashboard and presses the send button. The terminal then sends this investment information to the server. The input is the investment information entered by the user, and the output is the investment information sent to the server.

[1117] Specific behavior:

[1118] The user enters "Capital: 1 million yen," "Risk tolerance: Medium," and "Investment period: 5 years" into the input fields on the dashboard and clicks the submit button.

[1119] Step 6:

[1120] The server uses the received investment information to apply an algorithm to calculate the optimal investment portfolio. The inputs are the financial information, risk tolerance, and investment period entered by the user, and the output is the calculated investment portfolio.

[1121] Specific behavior:

[1122] The server inputs the following conditions into the algorithm: 1 million yen in capital, medium risk tolerance, and a five-year investment period, and calculates a portfolio of 50% stocks, 40% bonds, and 10% cash.

[1123] Step 7:

[1124] The server sends the calculation results back to the terminal, which displays the results. The input is the calculated investment portfolio, and the output is the results displayed on the terminal.

[1125] Specific behavior:

[1126] The server sends the calculation results to the terminal, which then displays the user's portfolio information: 50% stocks, 40% bonds, and 10% cash.

[1127] Step 8:

[1128] The server retrieves financial market data from the API at regular intervals and updates the user's portfolio in real time. The input is the financial market data retrieved from the external API, and the output is the updated portfolio.

[1129] Specific behavior:

[1130] The server retrieves the latest market data from an external API and updates the user's portfolio.

[1131] Step 9:

[1132] The server sends the updated portfolio information to the terminal, which then displays the information. The input is the updated portfolio information, and the output is the latest portfolio displayed on the terminal.

[1133] Specific behavior:

[1134] The server sends the updated portfolio information to the terminal, which displays the information to the user.

[1135] Step 10:

[1136] The user uses a terminal to issue a trade (buy or sell). The terminal sends the trade information to the server. The input is the trade information entered by the user (amount, name, etc.), and the output is the trade information sent to the server.

[1137] Specific behavior:

[1138] The user selects "Purchase 500,000 yen worth of stocks" on the terminal and presses the send button.

[1139] Step 11:

[1140] The server executes the transaction based on the received transaction information and records the results in a database. The input is the transaction information received from the terminal, and the output is the transaction result recorded in the database.

[1141] Specific behavior:

[1142] The server executes a transaction to purchase stocks worth 500,000 yen and records the results in the database.

[1143] Step 12:

[1144] The server notifies the terminal of the transaction result, and the terminal displays the result to the user. The input is the transaction result generated by the server, and the output is the transaction result displayed on the terminal.

[1145] Specific behavior:

[1146] The server generates a message indicating the transaction was successful and sends it to the terminal, which then displays the transaction result to the user.

[1147] Step 13:

[1148] The server periodically collects and analyzes users' investment data. The input is the investment data stored on the server, and the output is a report generated based on the analysis results.

[1149] Specific behavior:

[1150] The server collects and analyzes users' investment data at the end of each month.

[1151] Step 14:

[1152] The server saves the generated report in a database and notifies the terminal when the report is complete. The input is the report data based on the analysis results, and the output is the report saved in the database and a notification sent to the terminal.

[1153] Specific behavior:

[1154] The server stores the generated report in a database and sends a notification to the terminal that the report has been generated.

[1155] Step 15:

[1156] The terminal receives a notification that the generation is complete and displays the report for the user to view. The input is the notification of the generation completion received from the server, and the output is the report that is displayed to the user.

[1157] Specific behavior:

[1158] The terminal receives the notification from the server and displays the report to the user.

[1159] Furthermore, an emotion engine that estimates the user's emotion may be further combined. That is, the identification processing unit 290 may estimate the user's emotion using the emotion identification model 59, and perform identification processing using the user's emotion.

[1160] This paper describes a specific embodiment of the "easy investment and asset management service" system of the present invention, in particular, a system that combines an emotion engine that recognizes the user's emotions. This system allows users to easily invest and manage their assets, and is composed of multiple modules.

[1161] User Authentication Module

[1162] overview

[1163] The user enters login information from the terminal to access the system. The server performs authentication, and if successful, displays the user's dashboard.

[1164] Processing Description

[1165] The user enters their user ID and password on the device's login screen. The device sends this information to the server. The server compares the received login information with the information stored in the database and performs authentication. If authentication is successful, the server returns the authentication result to the device, and the device displays the dashboard.

[1166] Specific examples

[1167] User A enters "user_id" and "password." The device sends this information to the server. The server retrieves the corresponding "user_id" and "password" from the database and compares them. If they match, the server sends a message of successful authentication to the device, and the device displays User A's dashboard.

[1168] Portfolio Creation Module

[1169] overview

[1170] The user inputs investment information, and the server calculates and returns the optimal portfolio.

[1171] Processing Description

[1172] The user enters investment information (capital, risk tolerance, investment period, etc.) into the terminal. The terminal sends this information to the server. The server uses an algorithm to calculate the optimal portfolio and sends the results back to the terminal. The terminal displays the results to the user.

[1173] Specific examples

[1174] User B sets a capital of 1 million yen, a medium risk tolerance, and a 5-year investment period. The device sends this information to the server. The server uses an algorithm to calculate and generate a portfolio of 50% stocks, 40% bonds, and 10% cash, and sends it to the device. The device displays this portfolio to User B.

[1175] Real-time Data Acquisition Module

[1176] overview

[1177] The server obtains market data in real time and reflects it in the user's portfolio.

[1178] Processing Description

[1179] The server retrieves financial market data via API at regular intervals (e.g., every few seconds), updates the user's portfolio based on the retrieved data, and then sends the updates to the terminal and displays them in real time.

[1180] Specific examples

[1181] If stock prices rise in the market, the server retrieves the latest stock price data from the API. The server updates User C's portfolio valuation and sends the result to the terminal. The terminal displays the updated valuation to User C.

[1182] Transaction Module

[1183] overview

[1184] The user executes the transaction and the server manages the transaction.

[1185] Processing Description

[1186] The user issues a purchase or sale command from the terminal. The terminal sends the transaction information (amount, name, etc.) to the server. The server executes the transaction and records the results in a database. The transaction results are notified to the terminal and displayed to the user.

[1187] Specific examples

[1188] User D instructs to purchase 500,000 yen worth of stocks. The terminal sends this to the server. The server executes the transaction, adds 500,000 yen worth of stocks to User D's portfolio, and records the transaction history in the database. The terminal displays the results to User D.

[1189] Report Generation Module

[1190] overview

[1191] The server analyzes the user's investment status and generates a report.

[1192] Processing Description

[1193] The server periodically (e.g., at the end of each month) collects and analyzes the user's investment data. The server generates a report based on the analysis results and stores it in a database. The server then notifies the user that the report generation is complete and allows the user to view the report on their device.

[1194] Specific examples

[1195] The server collects and analyzes User E's investment data at the end of each month. Based on the results, it generates a report and stores it in the database. User E can check the generated report through his / her terminal and plan his / her next investment strategy.

[1196] Combining Emotion Engines

[1197] overview

[1198] The emotion engine recognizes the user's emotions and provides investment plan optimization and advice based on them.

[1199] Processing Description

[1200] The device sends the user's emotional data to the emotion engine, which analyzes the user's emotions and sends the results back to the server. The server uses the data from the emotion engine to provide investment plans and risk notifications appropriate for the user's emotional state.

[1201] Specific examples

[1202] While User F is making an investment plan on his / her device, the emotion engine detects impatience. The device sends the emotion data to the emotion engine, which then sends the analysis results to the server. Based on the analysis results, the server provides User F with a low-risk investment plan and advice on how to stay calm.

[1203] The processing flow will be explained below.

[1204] User Authentication Module

[1205] Step 1:

[1206] The user opens the login screen on the device.

[1207] Step 2:

[1208] The user enters login information (user ID and password).

[1209] Step 3:

[1210] The terminal sends the entered login information to the server.

[1211] Step 4:

[1212] The server compares the received login information with the information stored in the database to authenticate it.

[1213] Step 5:

[1214] The server returns the authentication result to the terminal.

[1215] Step 6:

[1216] The terminal receives the authentication result, and if authentication is successful, displays the user's dashboard.

[1217] Portfolio Creation Module

[1218] Step 1:

[1219] The user opens the portfolio creation screen on their device.

[1220] Step 2:

[1221] The user enters investment information (capital, risk tolerance, investment period, etc.).

[1222] Step 3:

[1223] The terminal transmits the input investment information to the server.

[1224] Step 4:

[1225] Based on the investment information received by the server, an algorithm is used to calculate the optimal portfolio.

[1226] Step 5:

[1227] The server returns the calculation results (optimal portfolio) to the terminal.

[1228] Step 6:

[1229] The terminal receives the calculation results and displays them to the user.

[1230] Real-time Data Acquisition Module

[1231] Step 1:

[1232] The server requests financial market data from the API at regular intervals (e.g., every few seconds).

[1233] Step 2:

[1234] The API sends the latest market data back to the server.

[1235] Step 3:

[1236] The server updates the user's portfolio based on the received market data.

[1237] Step 4:

[1238] The server transmits the updated portfolio information to the terminal.

[1239] Step 5:

[1240] The terminal displays the received portfolio information to the user.

[1241] Transaction Module

[1242] Step 1:

[1243] The user opens the trading screen on the terminal.

[1244] Step 2:

[1245] The user inputs transaction information (purchase or sale amount, brand, etc.).

[1246] Step 3:

[1247] The terminal transmits the entered transaction information to the server.

[1248] Step 4:

[1249] The server executes the transaction based on the received transaction information.

[1250] Step 5:

[1251] The server records the transaction results in a database.

[1252] Step 6:

[1253] The server returns the transaction result to the terminal.

[1254] Step 7:

[1255] The terminal receives the transaction result and displays it to the user.

[1256] Report Generation Module

[1257] Step 1:

[1258] The server periodically (for example, at the end of each month) collects the user's investment data from the database.

[1259] Step 2:

[1260] The server analyzes the collected investment data.

[1261] Step 3:

[1262] The server generates an investment report based on the analysis results.

[1263] Step 4:

[1264] The server stores the generated reports in a database.

[1265] Step 5:

[1266] The server notifies the user that the report has been generated.

[1267] Step 6:

[1268] The user views the generated report on the device.

[1269] Combining Emotion Engines

[1270] Step 1:

[1271] The user operates the device and emotion data is collected using devices such as a facial recognition camera and microphone.

[1272] Step 2:

[1273] The device sends the collected emotion data to the emotion engine.

[1274] Step 3:

[1275] The emotion engine analyzes the received emotion data and returns the results to the server.

[1276] Step 4:

[1277] The server receives the analysis results from the emotion engine and optimizes investment plans and advice based on the user's emotional state.

[1278] Step 5:

[1279] The server sends optimized investment plans and advice to the terminal.

[1280] Step 6:

[1281] The device displays optimized investment plans and advice to the user.

[1282] Specific examples

[1283] Step 1:

[1284] User F says to the terminal, "I'm feeling anxious right now, but I want to start investing."

[1285] Step 2:

[1286] The terminal sends the voice and facial expression of user F to the emotion engine.

[1287] Step 3:

[1288] The emotion engine analyzes user F's voice and detects anxiety.

[1289] Step 4:

[1290] The emotion engine sends the anxiety analysis results back to the server.

[1291] Step 5:

[1292] The server receives the analysis results, generates a low-risk investment plan, and further optimizes the advice with explanations that give the user peace of mind.

[1293] Step 6:

[1294] The server sends optimized investment plans and advice to the terminal.

[1295] Step 7:

[1296] The device displays an optimized investment plan and reassuring advice to User F.

[1297] Example 2

[1298] Next, a description will be given of Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the smart glasses 214 will be referred to as a "terminal."

[1299] Systems for easy and efficient investment and asset management are required to integrate user authentication, input and optimization of investment information, reflect real-time data, manage transactions, generate reports, and provide investment plans that take user sentiment into account. Conventional systems provide these functions independently or only partially, making it difficult to improve the user experience while optimizing investment performance.

[1300] The identification process by the identification processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means. In this invention, the server includes a means for a user to input login information and send it to a computer, a means for the computer to compare the received login information with a storage device and perform authentication, and a means for the computer to return the authentication result to a terminal and for the terminal to display a user interface when authentication is successful. This enables user authentication to be performed quickly and reliably.

[1301] The present invention further includes a means for a user to input investment information (capital, risk tolerance, investment period, etc.) and send it to a computer, a means for the computer to calculate an optimal investment portfolio using an algorithm based on the investment information, and a means for the computer to return the calculation results to a terminal and for the terminal to display the calculation results, thereby enabling a user to easily create an optimal investment portfolio and quickly check the results.

[1302] The system further includes a means for the computer to acquire financial market data from the interface at regular time intervals, a means for the computer to update the user's investment portfolio in real time with the acquired data, and a means for the computer to transmit the updated portfolio information to the terminal and for the terminal to display it, thereby enabling the user to grasp investment performance in real time based on the latest market data and make quick decisions.

[1303] Furthermore, this invention includes a means for a user to instruct a transaction and for the terminal to send transaction information to a computer, a means for the computer to execute the transaction and record the result in a storage device, and a means for the computer to notify the terminal of the transaction result and for the terminal to display the transaction result, thereby enabling the user to execute the transaction quickly and accurately and to immediately check the result.

[1304] The present invention further includes a means for the computer to periodically collect and analyze the user's investment data, a means for the computer to generate a report based on the analysis results and store the report in a storage device, and a means for the computer to notify a terminal that the report generation is complete and for the terminal to display the report, thereby allowing the user to periodically check the performance of their investments and obtain information for making any necessary adjustments.

[1305] Finally, the system includes means for the terminal to transmit the user's emotional data to an emotional analysis engine, means for the emotional analysis engine to analyze the user's emotions and transmit the results to a computer, means for the computer to optimize an investment plan based on the emotional data, and means for the computer to transmit the optimized investment plan to the terminal and for the terminal to display it. This allows the system to provide an investment plan that takes the user's emotional state into consideration, reducing the user's psychological burden and enabling more appropriate investment decisions.

[1306] A "computer" is an electronic device that processes input information and transmits data to and from other devices over a communications network.

[1307] A "terminal" is an electronic device that a user operates and uses to input and receive information, and includes PCs, smartphones, etc.

[1308] A "storage device" is a device for permanently storing data, and includes hard disk drives and solid-state drives.

[1309] "User interface" is a general term for screen displays and operating means that allow users to interact with a system, and includes dashboards, input forms, etc.

[1310] "Investment information" refers to information required when a user makes an investment, specifically including funds, risk tolerance, investment period, etc.

[1311] An "investment portfolio" is a composition that indicates the allocation of a user's investment assets, including the ratio of stocks, bonds, cash, etc.

[1312] An "interface" is a connection means for exchanging data, and includes APIs (application programming interfaces).

[1313] "Transaction information" refers to information required when a user instructs the purchase or sale of an investment asset, and specifically refers to the amount, name, etc.

[1314] A "report" is a document that analyzes and summarizes the results and performance of investment activities, and is created in PDF, HTML, or other formats.

[1315] An "emotion analysis engine" is a software component that receives and analyzes a user's emotional data and has the function of evaluating the user's psychological state.

[1316] The present invention is an integrated system that allows users to easily invest and manage assets, and is composed of the following modules: a user authentication module, a portfolio creation module, a real-time data acquisition module, a transaction module, a report generation module, and an emotion engine.

[1317] User Authentication Module

[1318] In this module, the user first enters their user ID and password on the terminal's login screen. The terminal encrypts this information and sends it to the server. The server then compares the received information with the information stored in the storage device to perform authentication. If authentication is successful, the server returns the result to the terminal, which then displays the user interface (dashboard). This allows the user to use the system safely.

[1319] Portfolio Creation Module

[1320] The user inputs investment information (capital, risk tolerance, investment period, etc.) into the terminal and sends that information to the server. The server uses an algorithm to calculate the optimal investment portfolio based on the received investment information. The calculation results are sent back to the terminal, which displays the results to the user. This allows the user to easily check the optimal asset allocation.

[1321] Real-time Data Acquisition Module

[1322] In this module, the server retrieves market data from the API at regular intervals. The server updates the user's investment portfolio based on the retrieved data and sends the updated information to the terminal. The terminal displays the updated portfolio information to the user in real time, allowing the user to respond quickly to market fluctuations.

[1323] Transaction Module

[1324] When a user instructs a trade, the terminal sends the trade information (amount, name, etc.) to the server. The server executes the trade and records the results in a storage device. The results of the trade are notified to the terminal, which displays them to the user. This allows the user to trade accurately and quickly.

[1325] Report Generation Module

[1326] The server periodically collects and analyzes investment data. Based on the analysis results, a report is generated and saved in a storage device. Once the report is generated, the server notifies the user of its completion and allows the user to view the report on their device. This allows the user to understand their investment performance in detail.

[1327] Combining Emotion Engines

[1328] The device sends the user's emotional data to the emotion engine. The emotion engine analyzes the user's emotions and returns the results to the server. The server optimizes an investment plan suited to the user's emotional state based on the emotional data. The optimized plan is sent to the device, which displays it to the user. This makes it possible to provide an investment plan that reduces risk by taking the user's emotional state into consideration.

[1329] Examples of prompt statements

[1330] "How do you generate a portfolio when a user enters investment information?"

[1331] "Explain how the sentiment engine analyzes user sentiment and optimizes investment plans accordingly."

[1332] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1333] User Authentication Module

[1334] Processing flow

[1335] Step 1:

[1336] The user enters their user ID and password on the login screen of the device. The entered information is the "user ID" and "password," which will be used in the next step.

[1337] Step 2:

[1338] The terminal encrypts the user ID and password and sends them to the server. The encrypted data is sent to the server as the "encrypted user ID" and "encrypted password" and used in the authentication process.

[1339] Step 3:

[1340] The server decrypts the received encrypted data and compares it with the corresponding user information stored in the storage device. Based on the comparison result, it determines whether the authentication is successful or not. The result is generated as an "authentication result."

[1341] Step 4:

[1342] The server returns the authentication result to the terminal. An "authentication successful" or "authentication failed" message is sent to the terminal, which is used in the next step.

[1343] Step 5:

[1344] If the device is successfully authenticated, the dashboard is displayed. Based on the message "Authentication successful", the user interface (dashboard) is displayed.

[1345] Portfolio Creation Module

[1346] Processing flow

[1347] Step 1:

[1348] The user enters investment information (capital, risk tolerance, investment period, etc.) into the terminal. This input information is used in the next step as "capital," "risk tolerance," and "investment period."

[1349] Step 2:

[1350] The terminal sends the entered investment information to the server, which uses the data as is and transmits it as "funds," "risk tolerance," and "investment period."

[1351] Step 3:

[1352] Based on the investment information received by the server, an algorithm is used to calculate the optimal investment portfolio. The calculation is performed using "capital," "risk tolerance," and "investment period" as inputs, and the "optimal portfolio" is generated as output.

[1353] Step 4:

[1354] The server returns the calculation results to the terminal. The data sent is the "optimal portfolio" and is displayed in the next step.

[1355] Step 5:

[1356] The terminal receives the calculation results from the server and displays them to the user. The displayed content is the "optimal portfolio."

[1357] Real-time Data Acquisition Module

[1358] Processing flow

[1359] Step 1:

[1360] The server retrieves market data from the API at regular intervals. The input is the "Market Data API" and the output is the "Latest Market Data."

[1361] Step 2:

[1362] The server updates the user's investment portfolio based on the market data it obtains. The input is the latest market data, and the processed output is generated as an updated portfolio.

[1363] Step 3:

[1364] The server sends the updated portfolio information to the terminal. The data sent is the "updated portfolio" and is displayed in the next step.

[1365] Step 4:

[1366] The terminal displays the update content received from the server to the user. The content displayed is the "update portfolio."

[1367] Transaction Module

[1368] Processing flow

[1369] Step 1:

[1370] The user issues a trade instruction. The information to be entered is the "trading amount" and "trading name."

[1371] Step 2:

[1372] The terminal sends the transaction information to the server. The data sent is the "transaction amount" and "transaction name", which will be used in the next step.

[1373] Step 3:

[1374] The server executes the transaction based on the received transaction information. The inputs are the "transaction amount" and "transaction name", and the output is generated as the "transaction result".

[1375] Step 4:

[1376] The server records the transaction result in a storage device. The recorded data is the "transaction result."

[1377] Step 5:

[1378] The server notifies the terminal of the transaction result. The data sent is the "transaction result," which is displayed in the next step.

[1379] Step 6:

[1380] The terminal displays the transaction results received from the server to the user. The displayed content is "Transaction Results."

[1381] Report Generation Module

[1382] Processing flow

[1383] Step 1:

[1384] The server periodically collects the user's investment data. The input is "user investment data," and the acquired data is used in the next step as "collected data."

[1385] Step 2:

[1386] The server analyzes the collected data. The input is "collected data," and the analysis results are "analysis result data."

[1387] Step 3:

[1388] The server generates a report based on the analysis results. The input is the "analysis result data" and the output is the "report."

[1389] Step 4:

[1390] The server saves the generated report in a storage device. The recorded content is "report."

[1391] Step 5:

[1392] The server notifies the terminal that report generation is complete. The data sent is a "report generation completion notification" that will be used in the next step.

[1393] Step 6:

[1394] The terminal displays a report to the user based on the notification received from the server. The displayed content is "Report."

[1395] Combining Emotion Engines

[1396] Processing flow

[1397] Step 1:

[1398] The user inputs emotional data. The input information is an "emotional state."

[1399] Step 2:

[1400] The device sends the input emotional data to the emotion analysis engine. The data sent is the "emotional state."

[1401] Step 3:

[1402] The emotion analysis engine analyzes the emotional data. The input is the "emotional state," and the analysis results are the "emotion analysis results."

[1403] Step 4:

[1404] The emotion analysis engine sends the analysis results to the server. The data sent is the "emotion analysis results."

[1405] Step 5:

[1406] The server optimizes investment plans based on emotional data. The input is the "emotion analysis results," and the optimized "investment plan" is output.

[1407] Step 6:

[1408] The server sends the optimized investment plan to the terminal. The data sent is the "optimized investment plan."

[1409] Step 7:

[1410] The terminal displays the optimized investment plan received from the server to the user. The displayed content is "Optimized Investment Plan."

[1411] (Application example 2)

[1412] Next, a description will be given of Application Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the smart glasses 214 will be referred to as a "terminal."

[1413] The problem that the present invention aims to solve is to provide a system that provides optimal investment advice based on a user's emotional state. Conventional investment advice systems provide only general investment strategies without taking the user's emotions into consideration, which may result in advice that is not adapted to the user's mental state. There is a need to solve this problem and provide investment advice that is more personalized to the user and reduces the user's mental burden.

[1414] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[1415] In this invention, the server includes: means for a user to input login information and transmit it to the server; means for the server to compare the received login information with a database and perform authentication; means for the server to return the authentication result to the terminal and for the terminal to display a dashboard if authentication is successful; means for the terminal to transmit user emotion data to an emotion engine; means for the emotion engine to analyze the user's emotions and return the results to the server; and means for the server to use the data from the emotion engine to provide personalized advice according to the user's emotional state. This makes it possible to provide optimal investment advice based on the user's emotional state.

[1416] "User" means an individual or legal entity that uses the system to manage investments and asset management.

[1417] "Login Information" means authentication information such as a user ID and password required for a user to access the system.

[1418] A "server" is a computer system that receives information from a user, analyzes it, and returns the results.

[1419] "Database" means an electronic information management system for managing and storing user login information and investment-related data.

[1420] "Authentication" is the process of verifying whether the login information entered by the user is correct.

[1421] "Emotion data" is information that indicates the emotional state of the user, and is data obtained by facial recognition, voice analysis, or the like.

[1422] An "emotion engine" is software or a system for analyzing a user's emotional data to identify their emotional state.

[1423] "Analysis" is the process of extracting information from received data and understanding its meaning.

[1424] "Personalized advice" refers to investment advice and suggestions that are optimized for a user's individual emotional state and investment situation.

[1425] "Investment information" refers to data such as the amount of funds provided by the user, risk tolerance, and investment period.

[1426] "Portfolio" refers to the combination of a user's investment assets and their composition ratios.

[1427] An "algorithm" is a set of procedures or formulas for making calculations or decisions based on input data.

[1428] An "API" is an interface for obtaining and providing data in collaboration with other software applications.

[1429] "Risk warnings" are information intended to inform users of potential risks in investing based on their emotional state.

[1430] The "Easy Investment and Asset Management Service" system of this invention is a system for recognizing a user's emotions and providing optimal investment advice based on those emotions. This system includes multiple modules, as shown below, each of which performs a specific function.

[1431] User Authentication Module

[1432] In this module, the user enters their login information and sends it to the server. The server compares the received login information with the database for authentication and returns the authentication result to the terminal. If authentication is successful, the terminal displays the user's dashboard.

[1433] Portfolio Creation Module

[1434] The user inputs investment information (capital, risk tolerance, investment period, etc.) and sends it to the server. The server uses an algorithm to calculate the optimal portfolio based on this information and sends the results back to the terminal. The terminal then displays the calculation results to the user.

[1435] Real-time Data Acquisition Module

[1436] The server retrieves financial market data from the API at regular intervals, updates the user's portfolio in real time based on the retrieved data, and sends the results to the terminal for display.

[1437] Transaction Module

[1438] The user executes the transaction and the server manages the transaction. The user issues a purchase or sale instruction from the terminal and sends the information to the server. The server executes the transaction, records the results in a database, and notifies the terminal.

[1439] Report Generation Module

[1440] The server periodically collects and analyzes the user's investment data, generates a report based on the analysis results, stores it in a database, and then notifies the user of the report via their device so that they can view it.

[1441] Combining Emotion Engines

[1442] The device sends the user's emotional data to the emotion engine, which then analyzes the emotion. The emotion analysis results are then sent back to the server, which then uses the data to provide personalized investment advice and risk warnings according to the user's emotional state. This reduces the user's mental burden and supports more appropriate investment decisions.

[1443] Hardware and software used:

[1444] Hardware: Smartphone camera, server

[1445] Software: Python, OpenCV, DeepFace, Flask

[1446] Examples:

[1447] The user opens the app on their smartphone at home and takes a photo of their face with the camera. The app uses an emotion recognition engine to recognize "happiness" and sends the data to the server. Based on the emotion data, the server recommends relaxation items and hobby-related products to users who are feeling happy.

[1448] Example prompt for a generative AI model:

[1449] "Please explain the design of a system that analyzes emotions from photos taken by users with a smartphone camera and recommends suitable products based on those emotions."

[1450] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1451] Step 1:

[1452] The user launches the smartphone app and enters their user ID and password on the login screen. The device then sends this login information to the server.

[1453] Input: User ID, Password

[1454] Processing: Collection and transmission of login information

[1455] Output: Login information sent to the server

[1456] Step 2:

[1457] The server compares the received login information with the information in its database and performs authentication. If authentication is successful, the server returns a message of successful authentication to the terminal, and the terminal displays the user's dashboard.

[1458] Input: Login information, information in database

[1459] Processing: Compare and authenticate login information

[1460] Output: Authentication success message, dashboard display

[1461] Step 3:

[1462] The user enters investment information (capital, risk tolerance, investment period, etc.) through the dashboard, and the terminal sends it to the server.

[1463] Inputs: Funds, Risk Tolerance, Investment Term

[1464] Processing: Collection and transmission of investment information

[1465] Output: Investment information is sent to the server

[1466] Step 4:

[1467] The server uses an algorithm to calculate the optimal portfolio based on the received investment information and returns the results to the terminal, which then displays the results to the user.

[1468] Input: Investment Information

[1469] Processing: Algorithmic portfolio calculation

[1470] Output: Optimal portfolio, calculation results

[1471] Step 5:

[1472] The server retrieves financial market data through API at regular intervals and updates the user's portfolio in real time based on the retrieved data. The updated results are sent to the terminal and displayed to the user in real time.

[1473] Input: Financial market data

[1474] Processing: Retrieving real-time data and updating portfolios

[1475] Output: Updated portfolio, displayed in real time

[1476] Step 6:

[1477] The user issues a transaction (purchase or sale) from the terminal. The terminal sends the transaction information to the server, which then executes the transaction. The execution results are recorded in a database, sent back to the terminal, and displayed to the user.

[1478] Input: Transaction information (amount, name, etc.)

[1479] Processing: Executing and recording transactions

[1480] Output: trading results, trading history record, trading result display

[1481] Step 7:

[1482] The device sends the user's facial image data to the emotion engine, which analyzes it to determine the user's emotional state, and the analysis results are sent back to the server.

[1483] Input: Face image data

[1484] Processing: Emotion Recognition

[1485] Output: Emotion analysis results

[1486] Step 8:

[1487] The server generates personalized advice based on the user's emotional state based on the emotion analysis results and sends it to the device, which then displays the advice to the user.

[1488] Input: Sentiment analysis results

[1489] Action: Generate personalized advice

[1490] Output: Display advice

[1491] 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 a user input regarding the result of the specific processing. The control unit 46A transmits audio data indicating the user input acquired by the microphone 238 to the data processing device 12. In the data processing device 12, the specific processing unit 290 acquires the audio data.

[1492] The data generation model 58 is a so-called generative AI (Artificial Intelligence). An example of the data generation model 58 is ChatGPT (Internet Search<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search <url: https: gemini.google.com ?hl="ja">) and other generation AIs. The data generation model 58 is obtained by performing deep learning on a neural network. A prompt including an instruction is input to the data generation model 58, and inference data such as voice data indicating voice, text data indicating text, and image data indicating an image is also input. The data generation model 58 performs inference on the input inference data in accordance with the instruction indicated by the prompt, and outputs the inference result in a data format such as voice data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization.

[1493] In the above embodiment, an example in which the specific processing is performed by the data processing device 12 has been given, but the technology of the present disclosure is not limited to this, and the specific processing may be performed by the smart glasses 214.

[1494] [Third embodiment]

[1495] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[1496] 5, the data processing system 310 includes the data processing device 12 and a headset type terminal 314. An example of the data processing device 12 is a server.

[1497] The data processing device 12 includes a computer 22, a database 24, and a communication I / F 26. The computer 22 is an example of a "computer" according to the technology of the present disclosure. The computer 22 includes a processor 28, a RAM 30, and a storage 32. The processor 28, the RAM 30, and the storage 32 are connected to a bus 34. The database 24 and the communication I / F 26 are also connected to the bus 34. The communication I / F 26 is connected to a network 54. Examples of the network 54 include a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[1498] The headset type terminal 314 includes a computer 36, a microphone 238, a speaker 240, a camera 42, a communication I / F 44, and a display 343. The computer 36 includes a processor 46, a RAM 48, and a storage 50. The processor 46, the RAM 48, and the storage 50 are connected to a bus 52. The microphone 238, the speaker 240, the camera 42, and the display 343 are also connected to the bus 52.

[1499] The microphone 238 receives instructions and the like from the user 20 by receiving voice uttered by the user 20. The microphone 238 captures the voice uttered by the user 20, converts the captured voice into audio data, and outputs it to the processor 46. The speaker 240 outputs audio in accordance with instructions from the processor 46.

[1500] Camera 42 is a small digital camera equipped with an optical system including a lens, aperture, and shutter, and an imaging element such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor, and captures images of the surroundings of user 20 (for example, an imaging range defined by an angle of view equivalent to the field of vision of a typical healthy person).

[1501] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 are responsible for the exchange of various information between the processor 46 and the processor 28 via the network 54. The exchange of various information between the processor 46 and the processor 28 using the communication I / Fs 44 and 26 is carried out in a secure state.

[1502] Fig. 6 shows an example of the main functions of the data processing device 12 and the headset type terminal 314. As shown in Fig. 6, in the data processing device 12, a specific process is performed by the processor 28. A specific process program 56 is stored in the storage 32.

[1503] The specific processing program 56 is an example of a "program" according to the technology of the present 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.

[1504] The storage 32 stores a data generation model 58 and an emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[1505] In the headset type terminal 314, a reception output process is performed by the processor 46. A reception output program 60 is stored in the storage 50. 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 process is realized by the processor 46 operating as the control unit 46A in accordance with the reception output program 60 executed on the RAM 48.

[1506] Next, a description will be given of the identification process performed by the identification processing unit 290 of the data processing device 12. 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."

[1507] This section explains the specific program processing and operation of the "Easy Investment and Asset Management Service" system according to the present invention. This system allows users to easily invest and manage their assets, and is composed of multiple modules.

[1508] User Authentication Module

[1509] overview

[1510] The user enters login information from the terminal to access the system. The server performs authentication, and if successful, displays the user's dashboard.

[1511] Processing Description

[1512] The user enters their user ID and password on the device's login screen. The device sends this information to the server. The server compares the received login information with the information stored in the database and performs authentication. If authentication is successful, the server returns the authentication result to the device, and the device displays the dashboard.

[1513] Specific examples

[1514] User A enters "user_id" and "password." The device sends this information to the server. The server retrieves the corresponding "user_id" and "password" from the database and compares them. If they match, the server sends a message of successful authentication to the device, and the device displays User A's dashboard.

[1515] Portfolio Creation Module

[1516] overview

[1517] The user inputs investment information, and the server calculates and returns the optimal portfolio.

[1518] Processing Description

[1519] The user enters investment information (capital, risk tolerance, investment period, etc.) into the terminal. The terminal sends this information to the server. The server uses an algorithm to calculate the optimal portfolio and sends the results back to the terminal. The terminal displays the results to the user.

[1520] Specific examples

[1521] User B sets a capital of 1 million yen, a medium risk tolerance, and a 5-year investment period. The device sends this information to the server. The server uses an algorithm to calculate and generate a portfolio of 50% stocks, 40% bonds, and 10% cash, and sends it to the device. The device displays this portfolio to User B.

[1522] Real-time Data Acquisition Module

[1523] overview

[1524] The server obtains market data in real time and reflects it in the user's portfolio.

[1525] Processing Description

[1526] The server retrieves financial market data via API at regular intervals (e.g., every few seconds), updates the user's portfolio based on the retrieved data, and then sends the updates to the terminal and displays them in real time.

[1527] Specific examples

[1528] If stock prices rise in the market, the server retrieves the latest stock price data from the API. The server updates User C's portfolio valuation and sends the result to the terminal. The terminal displays the updated valuation to User C.

[1529] Transaction Module

[1530] overview

[1531] The user executes the transaction and the server manages the transaction.

[1532] Processing Description

[1533] The user issues a purchase or sale command from the terminal. The terminal sends the transaction information (amount, name, etc.) to the server. The server executes the transaction and records the results in a database. The transaction results are notified to the terminal and displayed to the user.

[1534] Specific examples

[1535] User D instructs to purchase 500,000 yen worth of stocks. The terminal sends this to the server. The server executes the transaction, adds 500,000 yen worth of stocks to User D's portfolio, and records the transaction history in the database. The terminal displays the results to User D.

[1536] Report Generation Module

[1537] overview

[1538] The server analyzes the user's investment status and generates a report.

[1539] Processing Description

[1540] The server periodically (e.g., at the end of each month) collects and analyzes the user's investment data. The server generates a report based on the analysis results and stores it in a database. The server then notifies the user that the report generation is complete and allows the user to view the report on their device.

[1541] Specific examples

[1542] The server collects and analyzes User E's investment data at the end of each month. Based on the results, it generates a report and stores it in the database. User E can check the generated report through his / her terminal and plan his / her next investment strategy.

[1543] These modules create a system that allows even beginners to easily invest and manage assets.

[1544] The processing flow will be explained below.

[1545] User Authentication Module

[1546] Step 1:

[1547] The user opens the login screen on the device.

[1548] Step 2:

[1549] The user enters login information (user ID and password).

[1550] Step 3:

[1551] The terminal sends the entered login information to the server.

[1552] Step 4:

[1553] The server compares the received login information with the information stored in the database to authenticate it.

[1554] Step 5:

[1555] The server returns the authentication result to the terminal.

[1556] Step 6:

[1557] The terminal receives the authentication result, and if authentication is successful, displays the user's dashboard.

[1558] Portfolio Creation Module

[1559] Step 1:

[1560] The user opens the portfolio creation screen on their device.

[1561] Step 2:

[1562] The user enters investment information (capital, risk tolerance, investment period, etc.).

[1563] Step 3:

[1564] The terminal transmits the input investment information to the server.

[1565] Step 4:

[1566] Based on the investment information received by the server, an algorithm is used to calculate the optimal portfolio.

[1567] Step 5:

[1568] The server returns the calculation results (optimal portfolio) to the terminal.

[1569] Step 6:

[1570] The terminal receives the calculation results and displays them to the user.

[1571] Real-time Data Acquisition Module

[1572] Step 1:

[1573] The server requests financial market data from the API at regular intervals (e.g., every few seconds).

[1574] Step 2:

[1575] The API sends the latest market data back to the server.

[1576] Step 3:

[1577] The server updates the user's portfolio based on the received market data.

[1578] Step 4:

[1579] The server transmits the updated portfolio information to the terminal.

[1580] Step 5:

[1581] The terminal displays the received portfolio information to the user.

[1582] Transaction Module

[1583] Step 1:

[1584] The user opens the trading screen on the terminal.

[1585] Step 2:

[1586] The user inputs transaction information (purchase or sale amount, brand, etc.).

[1587] Step 3:

[1588] The terminal transmits the entered transaction information to the server.

[1589] Step 4:

[1590] The server executes the transaction based on the received transaction information.

[1591] Step 5:

[1592] The server records the transaction results in a database.

[1593] Step 6:

[1594] The server returns the transaction result to the terminal.

[1595] Step 7:

[1596] The terminal receives the transaction result and displays it to the user.

[1597] Report Generation Module

[1598] Step 1:

[1599] The server periodically (for example, at the end of each month) collects the user's investment data from the database.

[1600] Step 2:

[1601] The server analyzes the collected investment data.

[1602] Step 3:

[1603] The server generates an investment report based on the analysis results.

[1604] Step 4:

[1605] The server stores the generated reports in a database.

[1606] Step 5:

[1607] The server notifies the user that the report has been generated.

[1608] Step 6:

[1609] The user views the generated report on the device.

[1610] Example 1

[1611] Next, a description will be given of Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the headset type terminal 314 will be referred to as a "terminal."

[1612] Conventional investment systems lacked easy login and authentication methods for users. They also lacked mechanisms for creating optimal portfolios based on investment information and for quickly updating real-time market data. This made it difficult for users to efficiently and reliably manage their investments. Furthermore, a system that provided all of these functions in an integrated and seamless manner was needed.

[1613] The specific processing by the specific processing unit 290 of the data processing device 12 in the first embodiment is realized by the following means.

[1614] In this invention, the server includes: means for a user to input login information and transmit it to the information processing device; means for the information processing device to compare the received login information with the storage device and perform authentication; means for the information processing device to return the authentication result to the display device, which displays an operation screen when authentication is successful; means for a user to input investment information (funds, risk tolerance, investment period, etc.) and transmit it to the information processing device; means for the information processing device to calculate an optimal asset allocation based on the investment information using a processing algorithm; means for the information processing device to return the calculation result to the display device, which displays the calculation result; means for the information processing device to acquire financial market data at regular time intervals via a communication interface; means for the information processing device to reflect the acquired data in the user's asset allocation in real time; and means for the information processing device to transmit the updated asset allocation information to the display device, which displays it in real time. This enables users to perform efficient and reliable investment management.

[1615] "Login information" refers to information including a "user ID" and "password" required for a user to access the authentication system.

[1616] An "information processing device" is a computer system that processes received login information and investment information, and performs various processes such as comparison with a database, authentication, calculation, and updating.

[1617] A "memory device" is a database or storage system for long-term storage of data such as user login information, investment information, and transaction history.

[1618] A "display device" is a device for visually displaying authentication results, investment information, portfolio calculation results, etc. to a user, and includes computer monitors and smartphone screens.

[1619] An "operation screen" is an interface that allows a user to input data to the system, and includes a login screen, a dashboard screen, and the like.

[1620] "Investment information" refers to information such as "capital," "risk tolerance," and "investment period" that a user inputs when making an investment.

[1621] A "processing algorithm" is a mathematical method or calculation procedure for calculating optimal asset allocation based on input investment information, and includes Monte Carlo simulation and modern portfolio theory.

[1622] A "communication interface" is a network connection means used by an information processing device to communicate with external data providers and APIs.

[1623] "Asset Allocation" refers to information that indicates the percentage of various assets (e.g., stocks, bonds, cash) in a user's investment portfolio.

[1624] "Real-time" means that the data is updated almost immediately based on the current time.

[1625] This section explains the specific program processing and operation for implementing the "Easy Investment and Asset Management Service" system of the present invention. This system allows users to easily invest and manage their assets, and is composed of the following multiple modules.

[1626] User Authentication Module

[1627] The user authentication module is an essential module when a user accesses the system. The user enters their user ID and password on the login screen of their terminal and sends them to the server. The server compares the received login information with the information stored in the storage device and performs authentication. If authentication is successful, the server returns the authentication result to the display device, and the terminal displays the user's dashboard. This series of processes allows the system to provide high security and convenience.

[1628] Specific examples

[1629] User A enters "user_id" and "password." The device sends this information to the server. The server retrieves the corresponding "user_id" and "password" from the database and compares them. If they match, the server sends a message of successful authentication to the device, and the device displays User A's dashboard.

[1630] Prompt Sentence Examples

[1631] "Please explain the user authentication flow."

[1632] Portfolio Creation Module

[1633] The portfolio creation module is an important module in which the user inputs their own investment information and calculates the optimal portfolio based on that information. The user inputs investment information (capital, risk tolerance, investment period, etc.) on the terminal and sends it to the server. The server uses an algorithm to calculate the optimal portfolio and sends the calculation results back to the terminal. The terminal displays the results to the user, allowing the user to create an optimal investment strategy.

[1634] Specific examples

[1635] User B sets a capital of 1 million yen, a medium risk tolerance, and a 5-year investment period. The device sends this information to the server. The server uses an algorithm to calculate and generate a portfolio of 50% stocks, 40% bonds, and 10% cash, and sends it to the device. The device displays this portfolio to User B.

[1636] Prompt Sentence Examples

[1637] "Please tell me the process for generating the optimal portfolio based on investment information."

[1638] Real-time Data Acquisition Module

[1639] The real-time data acquisition module is a module that reflects market trends in real time to the user's portfolio. The server acquires financial market data at regular intervals via API. The server updates the user's portfolio based on that data, sends the updated results to the terminal, and displays them to the user in real time.

[1640] Specific examples

[1641] If stock prices rise in the market, the server retrieves the latest stock price data from the API, updates User C's portfolio valuation, and sends the result to the terminal. The terminal displays the updated valuation to User C.

[1642] Prompt Sentence Examples

[1643] "Please explain how the server retrieves real-time market data and updates the portfolio."

[1644] Transaction Module

[1645] The transaction module is a module that allows users to execute and manage transactions. Users issue purchase or sale instructions from their terminals and send them to the server. The server executes the transaction and stores the results in a database. The transaction results are notified to the terminal and displayed to the user.

[1646] Specific examples

[1647] User D instructs to purchase 500,000 yen worth of stocks. The terminal sends this to the server. The server executes the transaction, adds 500,000 yen worth of stocks to User D's portfolio, and records the transaction history in the database. The terminal displays the results to User D.

[1648] Prompt Sentence Examples

[1649] "What are the steps a user takes to make a transaction?"

[1650] Report Generation Module

[1651] The report generation module is a module that periodically analyzes the user's investment status and generates reports based on the results. The server periodically collects and analyzes the user's investment data. It generates reports based on the analysis results and saves them in a database. The user is notified when report generation is complete, and can check the reports via their terminal.

[1652] Specific examples

[1653] The server collects and analyzes User E's investment data at the end of each month. Based on the results, it generates a report and stores it in the database. User E can check the generated report through his / her terminal and plan his / her next investment strategy.

[1654] Prompt Sentence Examples

[1655] "Please explain the process for analyzing investment situations and generating reports."

[1656] These modules create a system that allows even beginners to easily invest and manage assets.

[1657] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1658] User Authentication Module

[1659] Processing Steps

[1660] Step 1:

[1661] The user accesses the login screen of the device and enters their "user ID" and "password." This action initiates user authentication.

[1662] Input: User ID, Password

[1663] Output: Login information entered into the terminal

[1664] Step 2:

[1665] The device sends the entered login information to the server, where it is encrypted using HTTPS.

[1666] Input: User ID, Password

[1667] Output: Encrypted login information sent to the server

[1668] Step 3:

[1669] The server processes the received login information, compares it with the information stored in the storage device (database), and performs authentication. At this time, the password is verified using a hash function.

[1670] Input: User ID, password (encrypted)

[1671] Output: Authentication result (success or failure)

[1672] Step 4:

[1673] The server returns the authentication result to the terminal. If the authentication is successful, it also returns an authentication token.

[1674] Input: Authentication result

[1675] Output: Sends the authentication result (and token if successful) to the terminal.

[1676] Step 5:

[1677] The terminal receives the authentication result from the server, and if successful, displays the user's dashboard, which includes the user's basic information and current investment status.

[1678] Input: Authentication result, authentication token

[1679] Output: Display of user dashboard

[1680] ---

[1681] Portfolio Creation Module

[1682] Processing Steps

[1683] Step 1:

[1684] The user enters investment information (capital, risk tolerance, investment period) into the terminal.

[1685] Inputs: Funds, Risk Tolerance, Investment Term

[1686] Output: Investment information entered into the terminal

[1687] Step 2:

[1688] The terminal sends the investment information entered to the server, where the data is appropriately formatted (e.g., JSON format).

[1689] Input: Investment information (capital, risk tolerance, investment period)

[1690] Output: Formatted investment information is sent to the server

[1691] Step 3:

[1692] Based on the investment information received, the server calculates the optimal asset allocation using Monte Carlo simulation and modern portfolio theory.

[1693] Input: Investment Information

[1694] Output: Calculation result (optimal portfolio)

[1695] Step 4:

[1696] The server returns the calculation results to the device. The data is sent in JSON format.

[1697] Input: Calculation result

[1698] Output: The calculation result is sent to the terminal.

[1699] Step 5:

[1700] The terminal receives the calculation results from the server, analyzes them, and displays them on the screen in a user-friendly format, including recommended asset allocations.

[1701] Input: Calculation result

[1702] Output: Display recommended asset allocation

[1703] ---

[1704] Real-time Data Acquisition Module

[1705] Processing Steps

[1706] Step 1:

[1707] The server configures the APIs of financial market data providers and prepares the necessary API calls.

[1708] Input: API setting information

[1709] Output: Ready to make API calls

[1710] Step 2:

[1711] The server retrieves financial market data through API at regular intervals, including the latest stock prices, exchange rates, etc.

[1712] Input: API call

[1713] Output: Real-time market data

[1714] Step 3:

[1715] The server updates the user's portfolio based on the acquired market data, including recalculating the valuation.

[1716] Input: Real-time market data

[1717] Output: Updated portfolio information

[1718] Step 4:

[1719] The server sends the updated portfolio information to the device. The data is sent in JSON format.

[1720] Input: Updated portfolio information

[1721] Output: Updates are sent to the terminal

[1722] Step 5:

[1723] The terminal receives the updated portfolio information and displays it to the user in real time.

[1724] Input: Updated portfolio information

[1725] Output: Real-time updated portfolio display

[1726] ---

[1727] Transaction Module

[1728] Processing Steps

[1729] Step 1:

[1730] The user inputs the stock and amount to be purchased or sold from the terminal.

[1731] Input: Name, Amount

[1732] Output: Transaction information entered into the terminal

[1733] Step 2:

[1734] The terminal sends the entered transaction information to the server, where the data is appropriately formatted (e.g., JSON).

[1735] Input: Transaction information (stock, amount)

[1736] Output: Formatted transaction information is sent to the server

[1737] Step 3:

[1738] The server executes the actual trade based on the received trading information, placing the order using the broker API.

[1739] Input: Transaction information

[1740] Output: trading results

[1741] Step 4:

[1742] The server saves the result of the transaction in a database, whether it was successful or not, and adds a new entry to the trading history and portfolio information.

[1743] Input: Trading result

[1744] Output: Updated database information

[1745] Step 5:

[1746] The server notifies the terminal of the transaction result, which is then received and displayed to the user.

[1747] Input: Trading result

[1748] Output: Display of trading results

[1749] ---

[1750] Report Generation Module

[1751] Processing Steps

[1752] Step 1:

[1753] The server periodically (e.g., at the end of each month) collects the user's investment data from the database.

[1754] Input: Investment Data Collection Instructions

[1755] Output: Collected investment data

[1756] Step 2:

[1757] The server uses the collected data to analyze factors such as return rates and risk assessments.

[1758] Input: Collected investment data

[1759] Output: Analysis results

[1760] Step 3:

[1761] The server generates reports for each user based on the analysis results, including graphs, tables, and text analysis.

[1762] Input: Analysis results

[1763] Output: Generated report

[1764] Step 4:

[1765] The server stores the generated reports in a database, and users can access past reports.

[1766] Input: Generated report

[1767] Output: Saved report

[1768] Step 5:

[1769] The server notifies the user that the report has been generated, and the terminal displays a screen where the report can be viewed.

[1770] Input: Report Generation Notification

[1771] Output: Report viewing screen display

[1772] (Application example 1)

[1773] Next, a description will be given of Application Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the headset type terminal 314 will be referred to as a "terminal."

[1774] In today's world, there is a demand for platforms that allow general users to easily invest and manage their assets, but many services have complex systems that are difficult for beginners to use. Furthermore, due to insufficient integration with electronic payment services and investment decisions that reflect real-time market data, quick and accurate investment management is not possible. Furthermore, the inability to smoothly analyze investment status and generate reports often makes it difficult for users to plan their next investment strategy.

[1775] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 1 is realized by the following means.

[1776] In this invention, the server includes: means for a user to input login information and transmit it to the server; means for the server to compare the received login information with a database and perform authentication; means for the server to return the authentication result to the terminal and for the terminal to display a dashboard if authentication is successful; means for a user to input financial information, risk tolerance, and investment period and transmit it to the server; means for the server to calculate an optimal investment portfolio using an algorithm and transmit the result to the terminal; means for the server to obtain financial market data via an API, update the portfolio in real time, and transmit it to the terminal; means for a user to instruct a transaction using the balance of an electronic payment service and for the server to execute the transaction; and means for the server to periodically analyze investment data, generate reports, and make the reports viewable on the terminal. This makes it easy for even beginners to invest and manage their assets.

[1777] "Login information" refers to authentication information such as a user ID and password that a user enters when accessing a system.

[1778] A "server" is a central system that processes information received from user terminals, compares it with a database, performs calculations using algorithms, and returns the processing results.

[1779] A "database" is a storage device that stores data required by the system, such as user login information, investment information, and transaction history.

[1780] A "dashboard" is an interface that is displayed after a user logs in to the system and provides access to investment information and various functions.

[1781] "Fund information" is information about the amount of funds that the user plans to use for investment.

[1782] "Risk tolerance" is information indicating the degree of risk a user is willing to take.

[1783] "Investment period" is information indicating the period during which the user plans to make an investment.

[1784] An "investment portfolio" is a set of investments that represents the allocation of assets held by a user.

[1785] An "algorithm" is a set of procedures or rules for calculating an optimal investment portfolio based on input financial information, risk tolerance, and investment horizon.

[1786] "API" means the application programming interface used by the Server to obtain external financial market data.

[1787] "Real-time updating" refers to the process of instantly updating a user's investment portfolio in response to fluctuations in market data.

[1788] A "transaction" is an operation to purchase or sell an investment item designated by a user.

[1789] "Electronic payment service" means a service that allows users to make online and offline payments without cash.

[1790] "Transaction balance" is information indicating the user's current balance in the electronic payment service.

[1791] A "report" is a report periodically generated by the server summarizing the results of an analysis of the user's investment status and performance.

[1792] A "terminal" is a device, such as a smartphone or computer, that a user uses to access the system.

[1793] As a specific embodiment of the present invention, the following system implementation is proposed. This system allows users to easily carry out investment and asset management. The system includes a server, a terminal, and various modules, and executes specific means.

[1794] Overall structure

[1795] The system consists of the following modules:

[1796] 1. User authentication module

[1797] 2. Portfolio Creation Module

[1798] 3. Real-time data acquisition module

[1799] 4. Transaction Module

[1800] 5. Report Generation Module

[1801] User Authentication Module

[1802] In the user authentication module, the user enters login information (user ID and password) and sends it from the terminal to the server. The server compares this login information with the information stored in the database and performs authentication. If authentication is successful, the server returns a message of successful authentication to the terminal, and the terminal displays the user's dashboard.

[1803] Examples:

[1804] The user enters "user_id" and "password" and sends the information to the server. The server retrieves the corresponding information from the database, and if authentication is successful, it returns a message of successful authentication to the terminal. The terminal displays the user's dashboard.

[1805] Example prompt sentence:

[1806] "I would like to attempt authentication with user ID 'user123' and password 'pass123', please send them to the server."

[1807] Portfolio Creation Module

[1808] The user inputs financial information, risk tolerance, and investment period into the terminal and sends it to the server. The server uses this information to apply an algorithm to calculate the optimal investment portfolio. The results are then sent back to the terminal, which displays them to the user.

[1809] Examples:

[1810] The user sets a capital of 1 million yen, a medium risk tolerance, and a 5-year investment period. The terminal sends this information to the server. The server uses an algorithm to calculate and generate a portfolio of 50% stocks, 40% bonds, and 10% cash, and sends it to the terminal. The terminal then displays this portfolio information to the user.

[1811] Example prompt sentence:

[1812] "Calculate the optimal investment portfolio for a person with 1 million yen, medium risk tolerance, and a 5-year investment horizon."

[1813] Real-time Data Acquisition Module

[1814] The server retrieves financial market data from the API at regular intervals, updates the user's portfolio in real time based on this data, and sends the updated information to the terminal, which then displays the new portfolio information to the user.

[1815] Examples:

[1816] If the stock price rises in the market, the server retrieves the latest stock price data from the API, updates the user's portfolio valuation, and sends the result to the terminal, which then displays the updated valuation to the user.

[1817] Example prompt sentence:

[1818] "Update the portfolio for user 'user123' based on the latest market data."

[1819] Transaction Module

[1820] The user issues a purchase or sale command from the terminal. The terminal then sends the transaction information (amount, name, etc.) to the server. The server executes the transaction and records the results in a database. The terminal is notified of the transaction results and displayed to the user.

[1821] Examples:

[1822] A user instructs the purchase of 500,000 yen worth of stocks. The terminal sends this information to the server. The server executes the transaction, adding 500,000 yen worth of stocks to the user's portfolio and recording the transaction history in a database. The terminal displays the results to the user.

[1823] Example prompt sentence:

[1824] "Please execute a transaction to purchase 500,000 yen worth of stock."

[1825] Report Generation Module

[1826] The server periodically collects and analyzes the user's investment data. The server generates a report based on the analysis results and stores it in a database. Once the report is complete, the user is notified via their device and can view it.

[1827] Examples:

[1828] The server collects and analyzes users' investment data at the end of each month. Based on the results, it generates reports and stores them in a database. Users can then check the reports on their devices and plan their next investment strategy.

[1829] Example prompt sentence:

[1830] "Analyze the investment performance of user 'user123' over the past month and generate a report."

[1831] This invention allows users to easily invest and manage their assets. It is particularly suitable for a wide range of users, from intermediate to advanced. Furthermore, real-time data acquisition and integration with electronic payment services enable fast and efficient investment management.

[1832] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1833] Step 1:

[1834] The user enters login information (user ID and password) into the terminal and presses the send button. The terminal sends this input information to the server. The terminal input is "user_id" and "password", and the output is the login information sent to the server.

[1835] Specific behavior:

[1836] The user enters "user123" and "pass123" on the login screen and clicks the login button.

[1837] Step 2:

[1838] The server compares the received login information with the information stored in the database for authentication. The server retrieves the "user_id" and "password" from the database and compares them. The input is the login information received from the terminal, and the output is the authentication result.

[1839] Specific behavior:

[1840] The server reads "user_id: user123" and "password: pass123" from the database and compares them with the received login information.

[1841] Step 3:

[1842] If the authentication is successful, the server returns a message of successful authentication to the terminal. The input is the authentication result inside the server, and the output is the message of successful authentication sent to the terminal.

[1843] Specific behavior:

[1844] The server generates an "authentication successful" message and returns it to the terminal.

[1845] Step 4:

[1846] The terminal receives the authentication success message and displays the user's dashboard. The input is the authentication success message from the server, and the output is the dashboard displayed to the user.

[1847] Specific behavior:

[1848] The terminal receives the "authentication successful" message received from the server and displays the user's dashboard.

[1849] Step 5:

[1850] The user enters financial information, risk tolerance, and investment period on the dashboard and presses the send button. The terminal then sends this investment information to the server. The input is the investment information entered by the user, and the output is the investment information sent to the server.

[1851] Specific behavior:

[1852] The user enters "Capital: 1 million yen," "Risk tolerance: Medium," and "Investment period: 5 years" into the input fields on the dashboard and clicks the submit button.

[1853] Step 6:

[1854] The server uses the received investment information to apply an algorithm to calculate the optimal investment portfolio. The inputs are the financial information, risk tolerance, and investment period entered by the user, and the output is the calculated investment portfolio.

[1855] Specific behavior:

[1856] The server inputs the following conditions into the algorithm: 1 million yen in capital, medium risk tolerance, and a five-year investment period, and calculates a portfolio of 50% stocks, 40% bonds, and 10% cash.

[1857] Step 7:

[1858] The server sends the calculation results back to the terminal, which displays the results. The input is the calculated investment portfolio, and the output is the results displayed on the terminal.

[1859] Specific behavior:

[1860] The server sends the calculation results to the terminal, which then displays the user's portfolio information: 50% stocks, 40% bonds, and 10% cash.

[1861] Step 8:

[1862] The server retrieves financial market data from the API at regular intervals and updates the user's portfolio in real time. The input is the financial market data retrieved from the external API, and the output is the updated portfolio.

[1863] Specific behavior:

[1864] The server retrieves the latest market data from an external API and updates the user's portfolio.

[1865] Step 9:

[1866] The server sends the updated portfolio information to the terminal, which then displays the information. The input is the updated portfolio information, and the output is the latest portfolio displayed on the terminal.

[1867] Specific behavior:

[1868] The server sends the updated portfolio information to the terminal, which displays the information to the user.

[1869] Step 10:

[1870] The user uses a terminal to issue a trade (buy or sell). The terminal sends the trade information to the server. The input is the trade information entered by the user (amount, name, etc.), and the output is the trade information sent to the server.

[1871] Specific behavior:

[1872] The user selects "Purchase 500,000 yen worth of stocks" on the terminal and presses the send button.

[1873] Step 11:

[1874] The server executes the transaction based on the received transaction information and records the results in a database. The input is the transaction information received from the terminal, and the output is the transaction result recorded in the database.

[1875] Specific behavior:

[1876] The server executes a transaction to purchase stocks worth 500,000 yen and records the results in the database.

[1877] Step 12:

[1878] The server notifies the terminal of the transaction result, and the terminal displays the result to the user. The input is the transaction result generated by the server, and the output is the transaction result displayed on the terminal.

[1879] Specific behavior:

[1880] The server generates a message indicating the transaction was successful and sends it to the terminal, which then displays the transaction result to the user.

[1881] Step 13:

[1882] The server periodically collects and analyzes users' investment data. The input is the investment data stored on the server, and the output is a report generated based on the analysis results.

[1883] Specific behavior:

[1884] The server collects and analyzes users' investment data at the end of each month.

[1885] Step 14:

[1886] The server saves the generated report in a database and notifies the terminal when the report is complete. The input is the report data based on the analysis results, and the output is the report saved in the database and a notification sent to the terminal.

[1887] Specific behavior:

[1888] The server stores the generated report in a database and sends a notification to the terminal that the report has been generated.

[1889] Step 15:

[1890] The terminal receives a notification that the generation is complete and displays the report for the user to view. The input is the notification of the generation completion received from the server, and the output is the report that is displayed to the user.

[1891] Specific behavior:

[1892] The terminal receives the notification from the server and displays the report to the user.

[1893] Furthermore, an emotion engine that estimates the user's emotion may be further combined. That is, the identification processing unit 290 may estimate the user's emotion using the emotion identification model 59, and perform identification processing using the user's emotion.

[1894] This paper describes a specific embodiment of the "easy investment and asset management service" system of the present invention, in particular, a system that combines an emotion engine that recognizes the user's emotions. This system allows users to easily invest and manage their assets, and is composed of multiple modules.

[1895] User Authentication Module

[1896] overview

[1897] The user enters login information from the terminal to access the system. The server performs authentication, and if successful, displays the user's dashboard.

[1898] Processing Description

[1899] The user enters their user ID and password on the device's login screen. The device sends this information to the server. The server compares the received login information with the information stored in the database and performs authentication. If authentication is successful, the server returns the authentication result to the device, and the device displays the dashboard.

[1900] Specific examples

[1901] User A enters "user_id" and "password." The device sends this information to the server. The server retrieves the corresponding "user_id" and "password" from the database and compares them. If they match, the server sends a message of successful authentication to the device, and the device displays User A's dashboard.

[1902] Portfolio Creation Module

[1903] overview

[1904] The user inputs investment information, and the server calculates and returns the optimal portfolio.

[1905] Processing Description

[1906] The user enters investment information (capital, risk tolerance, investment period, etc.) into the terminal. The terminal sends this information to the server. The server uses an algorithm to calculate the optimal portfolio and sends the results back to the terminal. The terminal displays the results to the user.

[1907] Specific examples

[1908] User B sets a capital of 1 million yen, a medium risk tolerance, and a 5-year investment period. The device sends this information to the server. The server uses an algorithm to calculate and generate a portfolio of 50% stocks, 40% bonds, and 10% cash, and sends it to the device. The device displays this portfolio to User B.

[1909] Real-time Data Acquisition Module

[1910] overview

[1911] The server obtains market data in real time and reflects it in the user's portfolio.

[1912] Processing Description

[1913] The server retrieves financial market data via API at regular intervals (e.g., every few seconds), updates the user's portfolio based on the retrieved data, and then sends the updates to the terminal and displays them in real time.

[1914] Specific examples

[1915] If stock prices rise in the market, the server retrieves the latest stock price data from the API. The server updates User C's portfolio valuation and sends the result to the terminal. The terminal displays the updated valuation to User C.

[1916] Transaction Module

[1917] overview

[1918] The user executes the transaction and the server manages the transaction.

[1919] Processing Description

[1920] The user issues a purchase or sale command from the terminal. The terminal sends the transaction information (amount, name, etc.) to the server. The server executes the transaction and records the results in a database. The transaction results are notified to the terminal and displayed to the user.

[1921] Specific examples

[1922] User D instructs to purchase 500,000 yen worth of stocks. The terminal sends this to the server. The server executes the transaction, adds 500,000 yen worth of stocks to User D's portfolio, and records the transaction history in the database. The terminal displays the results to User D.

[1923] Report Generation Module

[1924] overview

[1925] The server analyzes the user's investment status and generates a report.

[1926] Processing Description

[1927] The server periodically (e.g., at the end of each month) collects and analyzes the user's investment data. The server generates a report based on the analysis results and stores it in a database. The server then notifies the user that the report generation is complete and allows the user to view the report on their device.

[1928] Specific examples

[1929] The server collects and analyzes User E's investment data at the end of each month. Based on the results, it generates a report and stores it in the database. User E can check the generated report through his / her terminal and plan his / her next investment strategy.

[1930] Combining Emotion Engines

[1931] overview

[1932] The emotion engine recognizes the user's emotions and provides investment plan optimization and advice based on them.

[1933] Processing Description

[1934] The device sends the user's emotional data to the emotion engine, which analyzes the user's emotions and sends the results back to the server. The server uses the data from the emotion engine to provide investment plans and risk notifications appropriate for the user's emotional state.

[1935] Specific examples

[1936] While User F is making an investment plan on his / her device, the emotion engine detects impatience. The device sends the emotion data to the emotion engine, which then sends the analysis results to the server. Based on the analysis results, the server provides User F with a low-risk investment plan and advice on how to stay calm.

[1937] The processing flow will be explained below.

[1938] User Authentication Module

[1939] Step 1:

[1940] The user opens the login screen on the device.

[1941] Step 2:

[1942] The user enters login information (user ID and password).

[1943] Step 3:

[1944] The terminal sends the entered login information to the server.

[1945] Step 4:

[1946] The server compares the received login information with the information stored in the database to authenticate it.

[1947] Step 5:

[1948] The server returns the authentication result to the terminal.

[1949] Step 6:

[1950] The terminal receives the authentication result, and if authentication is successful, displays the user's dashboard.

[1951] Portfolio Creation Module

[1952] Step 1:

[1953] The user opens the portfolio creation screen on their device.

[1954] Step 2:

[1955] The user enters investment information (capital, risk tolerance, investment period, etc.).

[1956] Step 3:

[1957] The terminal transmits the input investment information to the server.

[1958] Step 4:

[1959] Based on the investment information received by the server, an algorithm is used to calculate the optimal portfolio.

[1960] Step 5:

[1961] The server returns the calculation results (optimal portfolio) to the terminal.

[1962] Step 6:

[1963] The terminal receives the calculation results and displays them to the user.

[1964] Real-time Data Acquisition Module

[1965] Step 1:

[1966] The server requests financial market data from the API at regular intervals (e.g., every few seconds).

[1967] Step 2:

[1968] The API sends the latest market data back to the server.

[1969] Step 3:

[1970] The server updates the user's portfolio based on the received market data.

[1971] Step 4:

[1972] The server transmits the updated portfolio information to the terminal.

[1973] Step 5:

[1974] The terminal displays the received portfolio information to the user.

[1975] Transaction Module

[1976] Step 1:

[1977] The user opens the trading screen on the terminal.

[1978] Step 2:

[1979] The user inputs transaction information (purchase or sale amount, brand, etc.).

[1980] Step 3:

[1981] The terminal transmits the entered transaction information to the server.

[1982] Step 4:

[1983] The server executes the transaction based on the received transaction information.

[1984] Step 5:

[1985] The server records the transaction results in a database.

[1986] Step 6:

[1987] The server returns the transaction result to the terminal.

[1988] Step 7:

[1989] The terminal receives the transaction result and displays it to the user.

[1990] Report Generation Module

[1991] Step 1:

[1992] The server periodically (for example, at the end of each month) collects the user's investment data from the database.

[1993] Step 2:

[1994] The server analyzes the collected investment data.

[1995] Step 3:

[1996] The server generates an investment report based on the analysis results.

[1997] Step 4:

[1998] The server stores the generated reports in a database.

[1999] Step 5:

[2000] The server notifies the user that the report has been generated.

[2001] Step 6:

[2002] The user views the generated report on the device.

[2003] Combining Emotion Engines

[2004] Step 1:

[2005] The user operates the device and emotion data is collected using devices such as a facial recognition camera and microphone.

[2006] Step 2:

[2007] The device sends the collected emotion data to the emotion engine.

[2008] Step 3:

[2009] The emotion engine analyzes the received emotion data and returns the results to the server.

[2010] Step 4:

[2011] The server receives the analysis results from the emotion engine and optimizes investment plans and advice based on the user's emotional state.

[2012] Step 5:

[2013] The server sends optimized investment plans and advice to the terminal.

[2014] Step 6:

[2015] The device displays optimized investment plans and advice to the user.

[2016] Specific examples

[2017] Step 1:

[2018] User F says to the terminal, "I'm feeling anxious right now, but I want to start investing."

[2019] Step 2:

[2020] The terminal sends the voice and facial expression of user F to the emotion engine.

[2021] Step 3:

[2022] The emotion engine analyzes user F's voice and detects anxiety.

[2023] Step 4:

[2024] The emotion engine sends the anxiety analysis results back to the server.

[2025] Step 5:

[2026] The server receives the analysis results, generates a low-risk investment plan, and further optimizes the advice with explanations that give the user peace of mind.

[2027] Step 6:

[2028] The server sends optimized investment plans and advice to the terminal.

[2029] Step 7:

[2030] The device displays an optimized investment plan and reassuring advice to User F.

[2031] Example 2

[2032] Next, a description will be given of Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the headset type terminal 314 will be referred to as a "terminal."

[2033] Systems for easy and efficient investment and asset management are required to integrate user authentication, input and optimization of investment information, reflect real-time data, manage transactions, generate reports, and provide investment plans that take user sentiment into account. Conventional systems provide these functions independently or only partially, making it difficult to improve the user experience while optimizing investment performance.

[2034] The identification process by the identification processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means. In this invention, the server includes a means for a user to input login information and send it to a computer, a means for the computer to compare the received login information with a storage device and perform authentication, and a means for the computer to return the authentication result to a terminal and for the terminal to display a user interface when authentication is successful. This enables user authentication to be performed quickly and reliably.

[2035] The present invention further includes a means for a user to input investment information (capital, risk tolerance, investment period, etc.) and send it to a computer, a means for the computer to calculate an optimal investment portfolio using an algorithm based on the investment information, and a means for the computer to return the calculation results to a terminal and for the terminal to display the calculation results, thereby enabling a user to easily create an optimal investment portfolio and quickly check the results.

[2036] The system further includes a means for the computer to acquire financial market data from the interface at regular time intervals, a means for the computer to update the user's investment portfolio in real time with the acquired data, and a means for the computer to transmit the updated portfolio information to the terminal and for the terminal to display it, thereby enabling the user to grasp investment performance in real time based on the latest market data and make quick decisions.

[2037] Furthermore, this invention includes a means for a user to instruct a transaction and for the terminal to send transaction information to a computer, a means for the computer to execute the transaction and record the result in a storage device, and a means for the computer to notify the terminal of the transaction result and for the terminal to display the transaction result, thereby enabling the user to execute the transaction quickly and accurately and to immediately check the result.

[2038] The present invention further includes a means for the computer to periodically collect and analyze the user's investment data, a means for the computer to generate a report based on the analysis results and store the report in a storage device, and a means for the computer to notify a terminal that the report generation is complete and for the terminal to display the report, thereby allowing the user to periodically check the performance of their investments and obtain information for making any necessary adjustments.

[2039] Finally, the system includes means for the terminal to transmit the user's emotional data to an emotional analysis engine, means for the emotional analysis engine to analyze the user's emotions and transmit the results to a computer, means for the computer to optimize an investment plan based on the emotional data, and means for the computer to transmit the optimized investment plan to the terminal and for the terminal to display it. This allows the system to provide an investment plan that takes the user's emotional state into consideration, reducing the user's psychological burden and enabling more appropriate investment decisions.

[2040] A "computer" is an electronic device that processes input information and transmits data to and from other devices over a communications network.

[2041] A "terminal" is an electronic device that a user operates and uses to input and receive information, and includes PCs, smartphones, etc.

[2042] A "storage device" is a device for permanently storing data, and includes hard disk drives and solid-state drives.

[2043] "User interface" is a general term for screen displays and operating means that allow users to interact with a system, and includes dashboards, input forms, etc.

[2044] "Investment information" refers to information required when a user makes an investment, specifically including funds, risk tolerance, investment period, etc.

[2045] An "investment portfolio" is a composition that indicates the allocation of a user's investment assets, including the ratio of stocks, bonds, cash, etc.

[2046] An "interface" is a connection means for exchanging data, and includes APIs (application programming interfaces).

[2047] "Transaction information" refers to information required when a user instructs the purchase or sale of an investment asset, and specifically refers to the amount, name, etc.

[2048] A "report" is a document that analyzes and summarizes the results and performance of investment activities, and is created in PDF, HTML, or other formats.

[2049] An "emotion analysis engine" is a software component that receives and analyzes a user's emotional data and has the function of evaluating the user's psychological state.

[2050] The present invention is an integrated system that allows users to easily invest and manage assets, and is composed of the following modules: a user authentication module, a portfolio creation module, a real-time data acquisition module, a transaction module, a report generation module, and an emotion engine.

[2051] User Authentication Module

[2052] In this module, the user first enters their user ID and password on the terminal's login screen. The terminal encrypts this information and sends it to the server. The server then compares the received information with the information stored in the storage device to perform authentication. If authentication is successful, the server returns the result to the terminal, which then displays the user interface (dashboard). This allows the user to use the system safely.

[2053] Portfolio Creation Module

[2054] The user inputs investment information (capital, risk tolerance, investment period, etc.) into the terminal and sends that information to the server. The server uses an algorithm to calculate the optimal investment portfolio based on the received investment information. The calculation results are sent back to the terminal, which displays the results to the user. This allows the user to easily check the optimal asset allocation.

[2055] Real-time Data Acquisition Module

[2056] In this module, the server retrieves market data from the API at regular intervals. The server updates the user's investment portfolio based on the retrieved data and sends the updated information to the terminal. The terminal displays the updated portfolio information to the user in real time, allowing the user to respond quickly to market fluctuations.

[2057] Transaction Module

[2058] When a user instructs a trade, the terminal sends the trade information (amount, name, etc.) to the server. The server executes the trade and records the results in a storage device. The results of the trade are notified to the terminal, which displays them to the user. This allows the user to trade accurately and quickly.

[2059] Report Generation Module

[2060] The server periodically collects and analyzes investment data. Based on the analysis results, a report is generated and saved in a storage device. Once the report is generated, the server notifies the user of its completion and allows the user to view the report on their device. This allows the user to understand their investment performance in detail.

[2061] Combining Emotion Engines

[2062] The device sends the user's emotional data to the emotion engine. The emotion engine analyzes the user's emotions and returns the results to the server. The server optimizes an investment plan suited to the user's emotional state based on the emotional data. The optimized plan is sent to the device, which displays it to the user. This makes it possible to provide an investment plan that reduces risk by taking the user's emotional state into consideration.

[2063] Examples of prompt statements

[2064] "How do you generate a portfolio when a user enters investment information?"

[2065] "Explain how the sentiment engine analyzes user sentiment and optimizes investment plans accordingly."

[2066] The flow of the identification process in the second embodiment will be described with reference to FIG.

[2067] User Authentication Module

[2068] Processing flow

[2069] Step 1:

[2070] The user enters their user ID and password on the login screen of the device. The entered information is the "user ID" and "password," which will be used in the next step.

[2071] Step 2:

[2072] The terminal encrypts the user ID and password and sends them to the server. The encrypted data is sent to the server as the "encrypted user ID" and "encrypted password" and used in the authentication process.

[2073] Step 3:

[2074] The server decrypts the received encrypted data and compares it with the corresponding user information stored in the storage device. Based on the comparison result, it determines whether the authentication is successful or not. The result is generated as an "authentication result."

[2075] Step 4:

[2076] The server returns the authentication result to the terminal. An "authentication successful" or "authentication failed" message is sent to the terminal, which is used in the next step.

[2077] Step 5:

[2078] If the device is successfully authenticated, the dashboard is displayed. Based on the message "Authentication successful", the user interface (dashboard) is displayed.

[2079] Portfolio Creation Module

[2080] Processing flow

[2081] Step 1:

[2082] The user enters investment information (capital, risk tolerance, investment period, etc.) into the terminal. This input information is used in the next step as "capital," "risk tolerance," and "investment period."

[2083] Step 2:

[2084] The terminal sends the entered investment information to the server, which uses the data as is and transmits it as "funds," "risk tolerance," and "investment period."

[2085] Step 3:

[2086] Based on the investment information received by the server, an algorithm is used to calculate the optimal investment portfolio. The calculation is performed using "capital," "risk tolerance," and "investment period" as inputs, and the "optimal portfolio" is generated as output.

[2087] Step 4:

[2088] The server returns the calculation results to the terminal. The data sent is the "optimal portfolio" and is displayed in the next step.

[2089] Step 5:

[2090] The terminal receives the calculation results from the server and displays them to the user. The displayed content is the "optimal portfolio."

[2091] Real-time Data Acquisition Module

[2092] Processing flow

[2093] Step 1:

[2094] The server retrieves market data from the API at regular intervals. The input is the "Market Data API" and the output is the "Latest Market Data."

[2095] Step 2:

[2096] The server updates the user's investment portfolio based on the market data it obtains. The input is the latest market data, and the processed output is generated as an updated portfolio.

[2097] Step 3:

[2098] The server sends the updated portfolio information to the terminal. The data sent is the "updated portfolio" and is displayed in the next step.

[2099] Step 4:

[2100] The terminal displays the update content received from the server to the user. The content displayed is the "update portfolio."

[2101] Transaction Module

[2102] Processing flow

[2103] Step 1:

[2104] The user issues a trade instruction. The information to be entered is the "trading amount" and "trading name."

[2105] Step 2:

[2106] The terminal sends the transaction information to the server. The data sent is the "transaction amount" and "transaction name", which will be used in the next step.

[2107] Step 3:

[2108] The server executes the transaction based on the received transaction information. The inputs are the "transaction amount" and "transaction name", and the output is generated as the "transaction result".

[2109] Step 4:

[2110] The server records the transaction result in a storage device. The recorded data is the "transaction result."

[2111] Step 5:

[2112] The server notifies the terminal of the transaction result. The data sent is the "transaction result," which is displayed in the next step.

[2113] Step 6:

[2114] The terminal displays the transaction results received from the server to the user. The displayed content is "Transaction Results."

[2115] Report Generation Module

[2116] Processing flow

[2117] Step 1:

[2118] The server periodically collects the user's investment data. The input is "user investment data," and the acquired data is used in the next step as "collected data."

[2119] Step 2:

[2120] The server analyzes the collected data. The input is "collected data," and the analysis results are "analysis result data."

[2121] Step 3:

[2122] The server generates a report based on the analysis results. The input is the "analysis result data" and the output is the "report."

[2123] Step 4:

[2124] The server saves the generated report in a storage device. The recorded content is "report."

[2125] Step 5:

[2126] The server notifies the terminal that report generation is complete. The data sent is a "report generation completion notification" that will be used in the next step.

[2127] Step 6:

[2128] The terminal displays a report to the user based on the notification received from the server. The displayed content is "Report."

[2129] Combining Emotion Engines

[2130] Processing flow

[2131] Step 1:

[2132] The user inputs emotional data. The input information is an "emotional state."

[2133] Step 2:

[2134] The device sends the input emotional data to the emotion analysis engine. The data sent is the "emotional state."

[2135] Step 3:

[2136] The emotion analysis engine analyzes the emotional data. The input is the "emotional state," and the analysis results are the "emotion analysis results."

[2137] Step 4:

[2138] The emotion analysis engine sends the analysis results to the server. The data sent is the "emotion analysis results."

[2139] Step 5:

[2140] The server optimizes investment plans based on emotional data. The input is the "emotion analysis results," and the optimized "investment plan" is output.

[2141] Step 6:

[2142] The server sends the optimized investment plan to the terminal. The data sent is the "optimized investment plan."

[2143] Step 7:

[2144] The terminal displays the optimized investment plan received from the server to the user. The displayed content is "Optimized Investment Plan."

[2145] (Application example 2)

[2146] Next, a description will be given of Application Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the headset type terminal 314 will be referred to as a "terminal."

[2147] The problem that the present invention aims to solve is to provide a system that provides optimal investment advice based on a user's emotional state. Conventional investment advice systems provide only general investment strategies without taking the user's emotions into consideration, which may result in advice that is not adapted to the user's mental state. There is a need to solve this problem and provide investment advice that is more personalized to the user and reduces the user's mental burden.

[2148] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[2149] In this invention, the server includes: means for a user to input login information and transmit it to the server; means for the server to compare the received login information with a database and perform authentication; means for the server to return the authentication result to the terminal and for the terminal to display a dashboard if authentication is successful; means for the terminal to transmit user emotion data to an emotion engine; means for the emotion engine to analyze the user's emotions and return the results to the server; and means for the server to use the data from the emotion engine to provide personalized advice according to the user's emotional state. This makes it possible to provide optimal investment advice based on the user's emotional state.

[2150] "User" means an individual or legal entity that uses the system to manage investments and asset management.

[2151] "Login Information" means authentication information such as a user ID and password required for a user to access the system.

[2152] A "server" is a computer system that receives information from a user, analyzes it, and returns the results.

[2153] "Database" means an electronic information management system for managing and storing user login information and investment-related data.

[2154] "Authentication" is the process of verifying whether the login information entered by the user is correct.

[2155] "Emotion data" is information that indicates the emotional state of the user, and is data obtained by facial recognition, voice analysis, or the like.

[2156] An "emotion engine" is software or a system for analyzing a user's emotional data to identify their emotional state.

[2157] "Analysis" is the process of extracting information from received data and understanding its meaning.

[2158] "Personalized advice" refers to investment advice and suggestions that are optimized for a user's individual emotional state and investment situation.

[2159] "Investment information" refers to data such as the amount of funds provided by the user, risk tolerance, and investment period.

[2160] "Portfolio" refers to the combination of a user's investment assets and their composition ratios.

[2161] An "algorithm" is a set of procedures or formulas for making calculations or decisions based on input data.

[2162] An "API" is an interface for obtaining and providing data in collaboration with other software applications.

[2163] "Risk warnings" are information intended to inform users of potential risks in investing based on their emotional state.

[2164] The "Easy Investment and Asset Management Service" system of this invention is a system for recognizing a user's emotions and providing optimal investment advice based on those emotions. This system includes multiple modules, as shown below, each of which performs a specific function.

[2165] User Authentication Module

[2166] In this module, the user enters their login information and sends it to the server. The server compares the received login information with the database for authentication and returns the authentication result to the terminal. If authentication is successful, the terminal displays the user's dashboard.

[2167] Portfolio Creation Module

[2168] The user inputs investment information (capital, risk tolerance, investment period, etc.) and sends it to the server. The server uses an algorithm to calculate the optimal portfolio based on this information and sends the results back to the terminal. The terminal then displays the calculation results to the user.

[2169] Real-time Data Acquisition Module

[2170] The server retrieves financial market data from the API at regular intervals, updates the user's portfolio in real time based on the retrieved data, and sends the results to the terminal for display.

[2171] Transaction Module

[2172] The user executes the transaction and the server manages the transaction. The user issues a purchase or sale instruction from the terminal and sends the information to the server. The server executes the transaction, records the results in a database, and notifies the terminal.

[2173] Report Generation Module

[2174] The server periodically collects and analyzes the user's investment data, generates a report based on the analysis results, stores it in a database, and then notifies the user of the report via their device so that they can view it.

[2175] Combining Emotion Engines

[2176] The device sends the user's emotional data to the emotion engine, which then analyzes the emotion. The emotion analysis results are then sent back to the server, which then uses the data to provide personalized investment advice and risk warnings according to the user's emotional state. This reduces the user's mental burden and supports more appropriate investment decisions.

[2177] Hardware and software used:

[2178] Hardware: Smartphone camera, server

[2179] Software: Python, OpenCV, DeepFace, Flask

[2180] Examples:

[2181] The user opens the app on their smartphone at home and takes a photo of their face with the camera. The app uses an emotion recognition engine to recognize "happiness" and sends the data to the server. Based on the emotion data, the server recommends relaxation items and hobby-related products to users who are feeling happy.

[2182] Example prompt for a generative AI model:

[2183] "Please explain the design of a system that analyzes emotions from photos taken by users with a smartphone camera and recommends suitable products based on those emotions."

[2184] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[2185] Step 1:

[2186] The user launches the smartphone app and enters their user ID and password on the login screen. The device then sends this login information to the server.

[2187] Input: User ID, Password

[2188] Processing: Collection and transmission of login information

[2189] Output: Login information sent to the server

[2190] Step 2:

[2191] The server compares the received login information with the information in its database and performs authentication. If authentication is successful, the server returns a message of successful authentication to the terminal, and the terminal displays the user's dashboard.

[2192] Input: Login information, information in database

[2193] Processing: Compare and authenticate login information

[2194] Output: Authentication success message, dashboard display

[2195] Step 3:

[2196] The user enters investment information (capital, risk tolerance, investment period, etc.) through the dashboard, and the terminal sends it to the server.

[2197] Inputs: Funds, Risk Tolerance, Investment Term

[2198] Processing: Collection and transmission of investment information

[2199] Output: Investment information is sent to the server

[2200] Step 4:

[2201] The server uses an algorithm to calculate the optimal portfolio based on the received investment information and returns the results to the terminal, which then displays the results to the user.

[2202] Input: Investment Information

[2203] Processing: Algorithmic portfolio calculation

[2204] Output: Optimal portfolio, calculation results

[2205] Step 5:

[2206] The server retrieves financial market data through API at regular intervals and updates the user's portfolio in real time based on the retrieved data. The updated results are sent to the terminal and displayed to the user in real time.

[2207] Input: Financial market data

[2208] Processing: Retrieving real-time data and updating portfolios

[2209] Output: Updated portfolio, displayed in real time

[2210] Step 6:

[2211] The user issues a transaction (purchase or sale) from the terminal. The terminal sends the transaction information to the server, which then executes the transaction. The execution results are recorded in a database, sent back to the terminal, and displayed to the user.

[2212] Input: Transaction information (amount, name, etc.)

[2213] Processing: Executing and recording transactions

[2214] Output: trading results, trading history record, trading result display

[2215] Step 7:

[2216] The device sends the user's facial image data to the emotion engine, which analyzes it to determine the user's emotional state, and the analysis results are sent back to the server.

[2217] Input: Face image data

[2218] Processing: Emotion Recognition

[2219] Output: Emotion analysis results

[2220] Step 8:

[2221] The server generates personalized advice based on the user's emotional state based on the emotion analysis results and sends it to the device, which then displays the advice to the user.

[2222] Input: Sentiment analysis results

[2223] Action: Generate personalized advice

[2224] Output: Display advice

[2225] The specific processing unit 290 transmits the result of the specific processing to the headset type terminal 314. In the headset type terminal 314, the control unit 46A causes the speaker 240 and the display 343 to output the result of the specific processing. The microphone 238 acquires audio indicating a user input regarding the result of the specific processing. The control unit 46A transmits audio data indicating the user input acquired by the microphone 238 to the data processing device 12. In the data processing device 12, the specific processing unit 290 acquires the audio data.

[2226] The data generation model 58 is a so-called generative AI (Artificial Intelligence). An example of the data generation model 58 is ChatGPT (Internet Search<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search <url: https: gemini.google.com ?hl="ja">) and other generation AIs. The data generation model 58 is obtained by performing deep learning on a neural network. A prompt including an instruction is input to the data generation model 58, and inference data such as voice data indicating voice, text data indicating text, and image data indicating an image is also input. The data generation model 58 performs inference on the input inference data in accordance with the instruction indicated by the prompt, and outputs the inference result in a data format such as voice data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization.

[2227] 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 the present disclosure is not limited to this, and the specific processing may be performed by the headset type terminal 314.

[2228] [Fourth embodiment]

[2229] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[2230] 7, a 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.

[2231] The data processing device 12 includes a computer 22, a database 24, and a communication I / F 26. The computer 22 is an example of a "computer" according to the technology of the present disclosure. The computer 22 includes a processor 28, a RAM 30, and a storage 32. The processor 28, the RAM 30, and the storage 32 are connected to a bus 34. The database 24 and the communication I / F 26 are also connected to the bus 34. The communication I / F 26 is connected to a network 54. Examples of the network 54 include a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[2232] The robot 414 includes a computer 36, a microphone 238, a speaker 240, a camera 42, a communication I / F 44, and a control target 443. The computer 36 includes a processor 46, a RAM 48, and a storage 50. The processor 46, the RAM 48, and the storage 50 are connected to a bus 52. The microphone 238, the speaker 240, the camera 42, and the control target 443 are also connected to the bus 52.

[2233] The microphone 238 receives instructions and the like from the user 20 by receiving voice uttered by the user 20. The microphone 238 captures the voice uttered by the user 20, converts the captured voice into audio data, and outputs it to the processor 46. The speaker 240 outputs audio in accordance with instructions from the processor 46.

[2234] Camera 42 is a small digital camera equipped with an optical system including a lens, aperture, and shutter, and an imaging element such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor, and captures images of the surroundings of user 20 (for example, an imaging range defined by an angle of view equivalent to the field of vision of a typical healthy person).

[2235] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 are responsible for the exchange of various information between the processor 46 and the processor 28 via the network 54. The exchange of various information between the processor 46 and the processor 28 using the communication I / Fs 44 and 26 is carried out in a secure state.

[2236] The control object 443 includes a display device, LEDs in the eyes, and motors for driving 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 emotions of the robot 414 can be expressed by controlling these motors. In addition, the facial expressions of the robot 414 can also be expressed by controlling the light emission state of the LEDs in the eyes of the robot 414.

[2237] Fig. 8 shows an example of the main functions of the data processing device 12 and the robot 414. As shown in Fig. 8, in the data processing device 12, a specific process is performed by the processor 28. A specific process program 56 is stored in the storage 32.

[2238] The specific processing program 56 is an example of a "program" according to the technology of the present 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.

[2239] The storage 32 stores a data generation model 58 and an emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[2240] In the robot 414, the processor 46 performs the reception output process. A reception output program 60 is stored in the storage 50. 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 process is realized by the processor 46 operating as the control unit 46A in accordance with the reception output program 60 executed on the RAM 48.

[2241] Next, a description will be given of the specific processing performed by the specific processing unit 290 of the data processing device 12. In the following description, the data processing device 12 will be referred to as a "server" and the robot 414 will be referred to as a "terminal."

[2242] This section explains the specific program processing and operation of the "Easy Investment and Asset Management Service" system according to the present invention. This system allows users to easily invest and manage their assets, and is composed of multiple modules.

[2243] User Authentication Module

[2244] overview

[2245] The user enters login information from the terminal to access the system. The server performs authentication, and if successful, displays the user's dashboard.

[2246] Processing Description

[2247] The user enters their user ID and password on the device's login screen. The device sends this information to the server. The server compares the received login information with the information stored in the database and performs authentication. If authentication is successful, the server returns the authentication result to the device, and the device displays the dashboard.

[2248] Specific examples

[2249] User A enters "user_id" and "password." The device sends this information to the server. The server retrieves the corresponding "user_id" and "password" from the database and compares them. If they match, the server sends a message of successful authentication to the device, and the device displays User A's dashboard.

[2250] Portfolio Creation Module

[2251] overview

[2252] The user inputs investment information, and the server calculates and returns the optimal portfolio.

[2253] Processing Description

[2254] The user enters investment information (capital, risk tolerance, investment period, etc.) into the terminal. The terminal sends this information to the server. The server uses an algorithm to calculate the optimal portfolio and sends the results back to the terminal. The terminal displays the results to the user.

[2255] Specific examples

[2256] User B sets a capital of 1 million yen, a medium risk tolerance, and a 5-year investment period. The device sends this information to the server. The server uses an algorithm to calculate and generate a portfolio of 50% stocks, 40% bonds, and 10% cash, and sends it to the device. The device displays this portfolio to User B.

[2257] Real-time Data Acquisition Module

[2258] overview

[2259] The server obtains market data in real time and reflects it in the user's portfolio.

[2260] Processing Description

[2261] The server retrieves financial market data via API at regular intervals (e.g., every few seconds), updates the user's portfolio based on the retrieved data, and then sends the updates to the terminal and displays them in real time.

[2262] Specific examples

[2263] If stock prices rise in the market, the server retrieves the latest stock price data from the API. The server updates User C's portfolio valuation and sends the result to the terminal. The terminal displays the updated valuation to User C.

[2264] Transaction Module

[2265] overview

[2266] The user executes the transaction and the server manages the transaction.

[2267] Processing Description

[2268] The user issues a purchase or sale command from the terminal. The terminal sends the transaction information (amount, name, etc.) to the server. The server executes the transaction and records the results in a database. The transaction results are notified to the terminal and displayed to the user.

[2269] Specific examples

[2270] User D instructs to purchase 500,000 yen worth of stocks. The terminal sends this to the server. The server executes the transaction, adds 500,000 yen worth of stocks to User D's portfolio, and records the transaction history in the database. The terminal displays the results to User D.

[2271] Report Generation Module

[2272] overview

[2273] The server analyzes the user's investment status and generates a report.

[2274] Processing Description

[2275] The server periodically (e.g., at the end of each month) collects and analyzes the user's investment data. The server generates a report based on the analysis results and stores it in a database. The server then notifies the user that the report generation is complete and allows the user to view the report on their device.

[2276] Specific examples

[2277] The server collects and analyzes User E's investment data at the end of each month. Based on the results, it generates a report and stores it in the database. User E can check the generated report through his / her terminal and plan his / her next investment strategy.

[2278] These modules create a system that allows even beginners to easily invest and manage assets.

[2279] The processing flow will be explained below.

[2280] User Authentication Module

[2281] Step 1:

[2282] The user opens the login screen on the device.

[2283] Step 2:

[2284] The user enters login information (user ID and password).

[2285] Step 3:

[2286] The terminal sends the entered login information to the server.

[2287] Step 4:

[2288] The server compares the received login information with the information stored in the database to authenticate it.

[2289] Step 5:

[2290] The server returns the authentication result to the terminal.

[2291] Step 6:

[2292] The terminal receives the authentication result, and if authentication is successful, displays the user's dashboard.

[2293] Portfolio Creation Module

[2294] Step 1:

[2295] The user opens the portfolio creation screen on their device.

[2296] Step 2:

[2297] The user enters investment information (capital, risk tolerance, investment period, etc.).

[2298] Step 3:

[2299] The terminal transmits the input investment information to the server.

[2300] Step 4:

[2301] Based on the investment information received by the server, an algorithm is used to calculate the optimal portfolio.

[2302] Step 5:

[2303] The server returns the calculation results (optimal portfolio) to the terminal.

[2304] Step 6:

[2305] The terminal receives the calculation results and displays them to the user.

[2306] Real-time Data Acquisition Module

[2307] Step 1:

[2308] The server requests financial market data from the API at regular intervals (e.g., every few seconds).

[2309] Step 2:

[2310] The API sends the latest market data back to the server.

[2311] Step 3:

[2312] The server updates the user's portfolio based on the received market data.

[2313] Step 4:

[2314] The server transmits the updated portfolio information to the terminal.

[2315] Step 5:

[2316] The terminal displays the received portfolio information to the user.

[2317] Transaction Module

[2318] Step 1:

[2319] The user opens the trading screen on the terminal.

[2320] Step 2:

[2321] The user inputs transaction information (purchase or sale amount, brand, etc.).

[2322] Step 3:

[2323] The terminal transmits the entered transaction information to the server.

[2324] Step 4:

[2325] The server executes the transaction based on the received transaction information.

[2326] Step 5:

[2327] The server records the transaction results in a database.

[2328] Step 6:

[2329] The server returns the transaction result to the terminal.

[2330] Step 7:

[2331] The terminal receives the transaction result and displays it to the user.

[2332] Report Generation Module

[2333] Step 1:

[2334] The server periodically (for example, at the end of each month) collects the user's investment data from the database.

[2335] Step 2:

[2336] The server analyzes the collected investment data.

[2337] Step 3:

[2338] The server generates an investment report based on the analysis results.

[2339] Step 4:

[2340] The server stores the generated reports in a database.

[2341] Step 5:

[2342] The server notifies the user that the report has been generated.

[2343] Step 6:

[2344] The user views the generated report on the device.

[2345] Example 1

[2346] Next, a description will be given of Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the robot 414 will be referred to as a "terminal."

[2347] Conventional investment systems lacked easy login and authentication methods for users. They also lacked mechanisms for creating optimal portfolios based on investment information and for quickly updating real-time market data. This made it difficult for users to efficiently and reliably manage their investments. Furthermore, a system that provided all of these functions in an integrated and seamless manner was needed.

[2348] The specific processing by the specific processing unit 290 of the data processing device 12 in the first embodiment is realized by the following means.

[2349] In this invention, the server includes: means for a user to input login information and transmit it to the information processing device; means for the information processing device to compare the received login information with the storage device and perform authentication; means for the information processing device to return the authentication result to the display device, which displays an operation screen when authentication is successful; means for a user to input investment information (funds, risk tolerance, investment period, etc.) and transmit it to the information processing device; means for the information processing device to calculate an optimal asset allocation based on the investment information using a processing algorithm; means for the information processing device to return the calculation result to the display device, which displays the calculation result; means for the information processing device to acquire financial market data at regular time intervals via a communication interface; means for the information processing device to reflect the acquired data in the user's asset allocation in real time; and means for the information processing device to transmit the updated asset allocation information to the display device, which displays it in real time. This enables users to perform efficient and reliable investment management.

[2350] "Login information" refers to information including a "user ID" and "password" required for a user to access the authentication system.

[2351] An "information processing device" is a computer system that processes received login information and investment information, and performs various processes such as comparison with a database, authentication, calculation, and updating.

[2352] A "memory device" is a database or storage system for long-term storage of data such as user login information, investment information, and transaction history.

[2353] A "display device" is a device for visually displaying authentication results, investment information, portfolio calculation results, etc. to a user, and includes computer monitors and smartphone screens.

[2354] An "operation screen" is an interface that allows a user to input data to the system, and includes a login screen, a dashboard screen, and the like.

[2355] "Investment information" refers to information such as "capital," "risk tolerance," and "investment period" that a user inputs when making an investment.

[2356] A "processing algorithm" is a mathematical method or calculation procedure for calculating optimal asset allocation based on input investment information, and includes Monte Carlo simulation and modern portfolio theory.

[2357] A "communication interface" is a network connection means used by an information processing device to communicate with external data providers and APIs.

[2358] "Asset Allocation" refers to information that indicates the percentage of various assets (e.g., stocks, bonds, cash) in a user's investment portfolio.

[2359] "Real-time" means that the data is updated almost immediately based on the current time.

[2360] This section explains the specific program processing and operation for implementing the "Easy Investment and Asset Management Service" system of the present invention. This system allows users to easily invest and manage their assets, and is composed of the following multiple modules.

[2361] User Authentication Module

[2362] The user authentication module is an essential module when a user accesses the system. The user enters their user ID and password on the login screen of their terminal and sends them to the server. The server compares the received login information with the information stored in the storage device and performs authentication. If authentication is successful, the server returns the authentication result to the display device, and the terminal displays the user's dashboard. This series of processes allows the system to provide high security and convenience.

[2363] Specific examples

[2364] User A enters "user_id" and "password." The device sends this information to the server. The server retrieves the corresponding "user_id" and "password" from the database and compares them. If they match, the server sends a message of successful authentication to the device, and the device displays User A's dashboard.

[2365] Prompt Sentence Examples

[2366] "Please explain the user authentication flow."

[2367] Portfolio Creation Module

[2368] The portfolio creation module is an important module in which the user inputs their own investment information and calculates the optimal portfolio based on that information. The user inputs investment information (capital, risk tolerance, investment period, etc.) on the terminal and sends it to the server. The server uses an algorithm to calculate the optimal portfolio and sends the calculation results back to the terminal. The terminal displays the results to the user, allowing the user to create an optimal investment strategy.

[2369] Specific examples

[2370] User B sets a capital of 1 million yen, a medium risk tolerance, and a 5-year investment period. The device sends this information to the server. The server uses an algorithm to calculate and generate a portfolio of 50% stocks, 40% bonds, and 10% cash, and sends it to the device. The device displays this portfolio to User B.

[2371] Prompt Sentence Examples

[2372] "Please tell me the process for generating the optimal portfolio based on investment information."

[2373] Real-time Data Acquisition Module

[2374] The real-time data acquisition module is a module that reflects market trends in real time to the user's portfolio. The server acquires financial market data at regular intervals via API. The server updates the user's portfolio based on that data, sends the updated results to the terminal, and displays them to the user in real time.

[2375] Specific examples

[2376] If stock prices rise in the market, the server retrieves the latest stock price data from the API, updates User C's portfolio valuation, and sends the result to the terminal. The terminal displays the updated valuation to User C.

[2377] Prompt Sentence Examples

[2378] "Please explain how the server retrieves real-time market data and updates the portfolio."

[2379] Transaction Module

[2380] The transaction module is a module that allows users to execute and manage transactions. Users issue purchase or sale instructions from their terminals and send them to the server. The server executes the transaction and stores the results in a database. The transaction results are notified to the terminal and displayed to the user.

[2381] Specific examples

[2382] User D instructs to purchase 500,000 yen worth of stocks. The terminal sends this to the server. The server executes the transaction, adds 500,000 yen worth of stocks to User D's portfolio, and records the transaction history in the database. The terminal displays the results to User D.

[2383] Prompt Sentence Examples

[2384] "What are the steps a user takes to make a transaction?"

[2385] Report Generation Module

[2386] The report generation module is a module that periodically analyzes the user's investment status and generates reports based on the results. The server periodically collects and analyzes the user's investment data. It generates reports based on the analysis results and saves them in a database. The user is notified when report generation is complete, and can check the reports via their terminal.

[2387] Specific examples

[2388] The server collects and analyzes User E's investment data at the end of each month. Based on the results, it generates a report and stores it in the database. User E can check the generated report through his / her terminal and plan his / her next investment strategy.

[2389] Prompt Sentence Examples

[2390] "Please explain the process for analyzing investment situations and generating reports."

[2391] These modules create a system that allows even beginners to easily invest and manage assets.

[2392] The flow of the identification process in the first embodiment will be described with reference to FIG.

[2393] User Authentication Module

[2394] Processing Steps

[2395] Step 1:

[2396] The user accesses the login screen of the device and enters their "user ID" and "password." This action initiates user authentication.

[2397] Input: User ID, Password

[2398] Output: Login information entered into the terminal

[2399] Step 2:

[2400] The device sends the entered login information to the server, where it is encrypted using HTTPS.

[2401] Input: User ID, Password

[2402] Output: Encrypted login information sent to the server

[2403] Step 3:

[2404] The server processes the received login information, compares it with the information stored in the storage device (database), and performs authentication. At this time, the password is verified using a hash function.

[2405] Input: User ID, password (encrypted)

[2406] Output: Authentication result (success or failure)

[2407] Step 4:

[2408] The server returns the authentication result to the terminal. If the authentication is successful, it also returns an authentication token.

[2409] Input: Authentication result

[2410] Output: Sends the authentication result (and token if successful) to the terminal.

[2411] Step 5:

[2412] The terminal receives the authentication result from the server, and if successful, displays the user's dashboard, which includes the user's basic information and current investment status.

[2413] Input: Authentication result, authentication token

[2414] Output: Display of user dashboard

[2415] ---

[2416] Portfolio Creation Module

[2417] Processing Steps

[2418] Step 1:

[2419] The user enters investment information (capital, risk tolerance, investment period) into the terminal.

[2420] Inputs: Funds, Risk Tolerance, Investment Term

[2421] Output: Investment information entered into the terminal

[2422] Step 2:

[2423] The terminal sends the investment information entered to the server, where the data is appropriately formatted (e.g., JSON format).

[2424] Input: Investment information (capital, risk tolerance, investment period)

[2425] Output: Formatted investment information is sent to the server

[2426] Step 3:

[2427] Based on the investment information received, the server calculates the optimal asset allocation using Monte Carlo simulation and modern portfolio theory.

[2428] Input: Investment Information

[2429] Output: Calculation result (optimal portfolio)

[2430] Step 4:

[2431] The server returns the calculation results to the device. The data is sent in JSON format.

[2432] Input: Calculation result

[2433] Output: The calculation result is sent to the terminal.

[2434] Step 5:

[2435] The terminal receives the calculation results from the server, analyzes them, and displays them on the screen in a user-friendly format, including recommended asset allocations.

[2436] Input: Calculation result

[2437] Output: Display recommended asset allocation

[2438] ---

[2439] Real-time Data Acquisition Module

[2440] Processing Steps

[2441] Step 1:

[2442] The server configures the APIs of financial market data providers and prepares the necessary API calls.

[2443] Input: API setting information

[2444] Output: Ready to make API calls

[2445] Step 2:

[2446] The server retrieves financial market data through API at regular intervals, including the latest stock prices, exchange rates, etc.

[2447] Input: API call

[2448] Output: Real-time market data

[2449] Step 3:

[2450] The server updates the user's portfolio based on the acquired market data, including recalculating the valuation.

[2451] Input: Real-time market data

[2452] Output: Updated portfolio information

[2453] Step 4:

[2454] The server sends the updated portfolio information to the device. The data is sent in JSON format.

[2455] Input: Updated portfolio information

[2456] Output: Updates are sent to the terminal

[2457] Step 5:

[2458] The terminal receives the updated portfolio information and displays it to the user in real time.

[2459] Input: Updated portfolio information

[2460] Output: Real-time updated portfolio display

[2461] ---

[2462] Transaction Module

[2463] Processing Steps

[2464] Step 1:

[2465] The user inputs the stock and amount to be purchased or sold from the terminal.

[2466] Input: Name, Amount

[2467] Output: Transaction information entered into the terminal

[2468] Step 2:

[2469] The terminal sends the entered transaction information to the server, where the data is appropriately formatted (e.g., JSON).

[2470] Input: Transaction information (stock, amount)

[2471] Output: Formatted transaction information is sent to the server

[2472] Step 3:

[2473] The server executes the actual trade based on the received trading information, placing the order using the broker API.

[2474] Input: Transaction information

[2475] Output: trading results

[2476] Step 4:

[2477] The server saves the result of the transaction in a database, whether it was successful or not, and adds a new entry to the trading history and portfolio information.

[2478] Input: Trading result

[2479] Output: Updated database information

[2480] Step 5:

[2481] The server notifies the terminal of the transaction result, which is then received and displayed to the user.

[2482] Input: Trading result

[2483] Output: Display of trading results

[2484] ---

[2485] Report Generation Module

[2486] Processing Steps

[2487] Step 1:

[2488] The server periodically (e.g., at the end of each month) collects the user's investment data from the database.

[2489] Input: Investment Data Collection Instructions

[2490] Output: Collected investment data

[2491] Step 2:

[2492] The server uses the collected data to analyze factors such as return rates and risk assessments.

[2493] Input: Collected investment data

[2494] Output: Analysis results

[2495] Step 3:

[2496] The server generates reports for each user based on the analysis results, including graphs, tables, and text analysis.

[2497] Input: Analysis results

[2498] Output: Generated report

[2499] Step 4:

[2500] The server stores the generated reports in a database, and users can access past reports.

[2501] Input: Generated report

[2502] Output: Saved report

[2503] Step 5:

[2504] The server notifies the user that the report has been generated, and the terminal displays a screen where the report can be viewed.

[2505] Input: Report Generation Notification

[2506] Output: Report viewing screen display

[2507] (Application example 1)

[2508] Next, a description will be given of Application Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the robot 414 will be referred to as a "terminal."

[2509] In today's world, there is a demand for platforms that allow general users to easily invest and manage their assets, but many services have complex systems that are difficult for beginners to use. Furthermore, due to insufficient integration with electronic payment services and investment decisions that reflect real-time market data, quick and accurate investment management is not possible. Furthermore, the inability to smoothly analyze investment status and generate reports often makes it difficult for users to plan their next investment strategy.

[2510] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 1 is realized by the following means.

[2511] In this invention, the server includes: means for a user to input login information and transmit it to the server; means for the server to compare the received login information with a database and perform authentication; means for the server to return the authentication result to the terminal and for the terminal to display a dashboard if authentication is successful; means for a user to input financial information, risk tolerance, and investment period and transmit it to the server; means for the server to calculate an optimal investment portfolio using an algorithm and transmit the result to the terminal; means for the server to obtain financial market data via an API, update the portfolio in real time, and transmit it to the terminal; means for a user to instruct a transaction using the balance of an electronic payment service and for the server to execute the transaction; and means for the server to periodically analyze investment data, generate reports, and make the reports viewable on the terminal. This makes it easy for even beginners to invest and manage their assets.

[2512] "Login information" refers to authentication information such as a user ID and password that a user enters when accessing a system.

[2513] A "server" is a central system that processes information received from user terminals, compares it with a database, performs calculations using algorithms, and returns the processing results.

[2514] A "database" is a storage device that stores data required by the system, such as user login information, investment information, and transaction history.

[2515] A "dashboard" is an interface that is displayed after a user logs in to the system and provides access to investment information and various functions.

[2516] "Fund information" is information about the amount of funds that the user plans to use for investment.

[2517] "Risk tolerance" is information indicating the degree of risk a user is willing to take.

[2518] "Investment period" is information indicating the period during which the user plans to make an investment.

[2519] An "investment portfolio" is a set of investments that represents the allocation of assets held by a user.

[2520] An "algorithm" is a set of procedures or rules for calculating an optimal investment portfolio based on input financial information, risk tolerance, and investment horizon.

[2521] "API" means the application programming interface used by the Server to obtain external financial market data.

[2522] "Real-time updating" refers to the process of instantly updating a user's investment portfolio in response to fluctuations in market data.

[2523] A "transaction" is an operation to purchase or sell an investment item designated by a user.

[2524] "Electronic payment service" means a service that allows users to make online and offline payments without cash.

[2525] "Transaction balance" is information indicating the user's current balance in the electronic payment service.

[2526] A "report" is a report periodically generated by the server summarizing the results of an analysis of the user's investment status and performance.

[2527] A "terminal" is a device, such as a smartphone or computer, that a user uses to access the system.

[2528] As a specific embodiment of the present invention, the following system implementation is proposed. This system allows users to easily perform investment and asset management. The system includes a server, a terminal, and various modules, and executes specific means.

[2529] Overall structure

[2530] The system consists of the following modules:

[2531] 1. User authentication module

[2532] 2. Portfolio Creation Module

[2533] 3. Real-time data acquisition module

[2534] 4. Transaction Module

[2535] 5. Report Generation Module

[2536] User Authentication Module

[2537] In the user authentication module, the user enters login information (user ID and password) and sends it from the terminal to the server. The server compares this login information with the information stored in the database and performs authentication. If authentication is successful, the server returns a message of successful authentication to the terminal, and the terminal displays the user's dashboard.

[2538] Examples:

[2539] The user enters "user_id" and "password" and sends the information to the server. The server retrieves the corresponding information from the database, and if authentication is successful, it returns a message of successful authentication to the terminal. The terminal displays the user's dashboard.

[2540] Example prompt sentence:

[2541] "I would like to attempt authentication with user ID 'user123' and password 'pass123', please send them to the server."

[2542] Portfolio Creation Module

[2543] The user inputs financial information, risk tolerance, and investment period into the terminal and sends it to the server. The server uses this information to apply an algorithm to calculate the optimal investment portfolio. The results are then sent back to the terminal, which displays them to the user.

[2544] Examples:

[2545] The user sets a capital of 1 million yen, a medium risk tolerance, and a 5-year investment period. The terminal sends this information to the server. The server uses an algorithm to calculate and generate a portfolio of 50% stocks, 40% bonds, and 10% cash, and sends it to the terminal. The terminal then displays this portfolio information to the user.

[2546] Example prompt sentence:

[2547] "Calculate the optimal investment portfolio for a person with 1 million yen, medium risk tolerance, and a 5-year investment horizon."

[2548] Real-time Data Acquisition Module

[2549] The server retrieves financial market data from the API at regular intervals, updates the user's portfolio in real time based on this data, and sends the updated information to the terminal, which then displays the new portfolio information to the user.

[2550] Examples:

[2551] If the stock price rises in the market, the server retrieves the latest stock price data from the API, updates the user's portfolio valuation, and sends the result to the terminal, which then displays the updated valuation to the user.

[2552] Example prompt sentence:

[2553] "Update the portfolio for user 'user123' based on the latest market data."

[2554] Transaction Module

[2555] The user issues a purchase or sale command from the terminal. The terminal then sends the transaction informa...

Claims

1. A means for a user to enter login information and transmit it to a server; A means for authenticating the login information received by the server by comparing it with a database; A means for the server to return the authentication result to the terminal, and for the terminal to display a dashboard when authentication is successful; A system including:

2. A means for a user to input investment information (capital, risk tolerance, investment period, etc.) and transmit it to a server; A means for the server to calculate the optimal portfolio using an algorithm based on investment information; A means for the server to return the calculation result to the terminal and for the terminal to display the calculation result; The system of claim 1 , comprising:

3. A means for the server to retrieve financial market data from the API at regular intervals; A means for reflecting the data acquired by the server in the user portfolio in real time; a means for the server to transmit the updated portfolio information to the terminal and for the terminal to display it; The system of claim 1 , comprising:

4. A means for a user to input transaction information (purchase amount, sale amount, brand, etc.) and transmit it to a server; a means for executing a transaction based on the transaction information received by the server and recording the transaction result in a database; A means for the server to return a transaction result to the terminal and for the terminal to display the transaction result; The system of claim 1 , comprising:

5. a means for the server to periodically collect and analyze users' investment data; A means for the server to generate a report based on the analysis results and store it in a database; a means for the server to notify the user of completion of report generation and for the terminal to display the report; The system of claim 1 , comprising:

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