System

Abstract

A system is provided.SOLUTION: A system comprising: means for collecting financial data from a user; means for analyzing the collected financial data and analyzing trends in income and expenses; means for generating feedback and advice based on the analysis results; means for notifying the user of the generated feedback and advice; means for providing a two way chat feature that allows the user to send questions; and means for generating real-time answers to user questions.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] In recent years, the spread of electronic payment systems has led to many users making digital payments on a daily basis. However, many users feel anxious about managing their income and expenses and would like to consult someone. However, they face challenges in consulting with family and friends due to privacy concerns, and consulting with a financial planner is also difficult due to its specialized nature. For this reason, there is a need for a system that allows users to manage their financial situation with peace of mind and receive appropriate advice. [Means for solving the problem]

[0005] The present invention is a system that includes means for collecting financial data from a user, means for analyzing the collected financial data and analyzing income and expenditure trends, means for generating feedback and advice based on the analysis results, means for notifying the user of the generated feedback and advice, means for providing a two-way chat function that allows the user to submit questions, and means for generating answers to the user's questions in real time. Furthermore, the system includes means for generating optimal suggestions based on the user's age and family structure, and means for converting the content of the notified feedback and advice into positive expressions, thereby enabling the user to understand their own financial situation and manage it with peace of mind.

[0006] "User" refers to an individual who uses a digital payment system to manage their income and expenses.

[0007] "Financial Data" means electronic information about a User's income, expenses, investments, etc.

[0008] "Means for collection" refers to the mechanism for obtaining a user's financial data from an electronic payment system with the user's consent.

[0009] "Means of analysis" refers to a mechanism for evaluating data trends using methods such as numerical analysis and machine learning based on collected financial data.

[0010] "Feedback" refers to information that provides information or advice about the user's financial situation based on the analysis results.

[0011] "Advice" refers to specific suggestions for improving a user's financial situation.

[0012] "Means for notifying" refers to the technical means by which generated feedback and advice is delivered to the user.

[0013] "Two-way chat function" refers to a communication function that allows users to exchange messages with the system in real time.

[0014] "Means for generating answers in real time" refers to a mechanism for instantly generating and returning answers to questions submitted by users.

[0015] "Means for generating optimal suggestions based on age and family structure" refers to a system that generates optimal advice tailored to individual circumstances, taking into account the user's age and family environment.

[0016] The "means for converting into positive expressions" refers to a function for converting the content of the generated feedback and advice into expressions that are positive and encouraging to the user. [Brief explanation of the drawings]

[0017] [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

[0018] 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.

[0019] First, the terms used in the following description will be explained.

[0020] 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).

[0021] 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.

[0022] 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.

[0023] 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.

[0024] 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."

[0025] [First embodiment]

[0026] FIG. 1 shows an example of the configuration of a data processing system 10 according to the first embodiment.

[0027] 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.

[0028] 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).

[0029] 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.

[0030] 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.

[0031] 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.

[0032] 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.

[0033] FIG. 2 shows an example of the main functions of the data processing device 12 and the smart device 14.

[0034] 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.

[0035] 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.

[0036] 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.

[0037] 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."

[0038] The present invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results, helping users to eliminate anxiety about their income and expenses and to better manage their finances.

[0039] System configuration

[0040] The system includes the following main components:

[0041] 1. Server

[0042] 2. Terminal

[0043] 3. Users

[0044] Program processing flow

[0045] 1. Data Collection

[0046] The server first collects the user's financial data, which includes retrieving data from the user's electronic payment system. When the user logs into the application, the server automatically collects the data via an API.

[0047] 2. Data Analysis

[0048] Once the data is collected, the on-device AI analyzes it to identify income and expenditure trends, compare them with historical data, and assess the user's financial situation, based on the user's age, family structure, and set goals.

[0049] 3. Feedback Generation

[0050] Based on the analysis results, the device generates appropriate feedback and advice for the user, including advice on how to manage expenses and save money. For example, positive feedback such as "Your expenses this month are within budget, so your savings are increasing" is provided.

[0051] 4. Notifications and Chat Features

[0052] The generated feedback and advice is sent to the user via the server, allowing the user to check their financial situation in real time. Users can also send specific questions using the two-way chat function. The server analyzes these questions and passes them to the AI ​​to generate appropriate answers. Users can receive answers instantly.

[0053] Specific examples

[0054] 1. Data Collection

[0055] User: "I log in to the app on my phone."

[0056] Server: "Call the API and get the user's income and expenditure data."

[0057] Server: "Send the collected data to the device."

[0058] 2. Data Analysis

[0059] Terminal: "Pass received data to AI module."

[0060] AI: "Analyze your income and expenditure patterns over the past six months."

[0061] AI: "Predict and compare spending needs based on family structure."

[0062] 3. Feedback Generation

[0063] Terminal: "Receives analysis results from AI and generates positive feedback and advice."

[0064] Device: "Generate a message saying, 'Your expenses are within budget this month. Keep it up.'"

[0065] Terminal: "Send the generated message to the server."

[0066] 4. Notifications and Chat Features

[0067] Server: "Notify the user of the generated feedback message."

[0068] User: "I want to be notified that I'm within my budget this month. Keep it up."

[0069] User: "I use the chat feature to ask, 'Do you have any specific tips for increasing my savings?'"

[0070] Server: "Receives the question and passes it to the AI ​​to generate an answer."

[0071] AI: "Generate the answer 'We recommend setting a monthly savings amount and setting up automatic withdrawals.'"

[0072] Server: "Send the generated answer to the user."

[0073] This system allows users to understand their financial situation in real time and manage it with peace of mind, while positive feedback increases motivation and enables sustainable financial management.

[0074] The processing flow will be explained below.

[0075] Step 1:

[0076] The user logs in to the dedicated application.

[0077] User: "Log in to the dedicated application."

[0078] Step 2:

[0079] The server calls the API to collect financial data with the user's consent.

[0080] Server: "Call the API and get the user's income, expenses, and investment data."

[0081] Step 3:

[0082] The server temporarily stores the acquired financial data and transmits it to the user's terminal using a secure communication method.

[0083] Server: "Temporarily store the acquired financial data and send it to the device."

[0084] Step 4:

[0085] The data received by the device is passed to an AI module for analysis.

[0086] Terminal: "Pass received data to AI module."

[0087] Step 5:

[0088] AI analyzes patterns in income, expenditure, and investment data and compares them with the user's past data.

[0089] In-device AI: "Analyzes income and expense trends and compares them with historical data."

[0090] Step 6:

[0091] AI generates optimal feedback and advice based on the user's age, family structure, and goals.

[0092] In-device AI: "Generates feedback and advice tailored to the user's age, family structure, and goals."

[0093] Step 7:

[0094] The device receives feedback and advice generated by the AI ​​and translates it into positive expressions.

[0095] Terminal: "Transform feedback into positive language and frame your message."

[0096] Step 8:

[0097] The terminal sends the generated feedback and advice messages to the server.

[0098] Terminal: "Send the generated feedback message to the server."

[0099] Step 9:

[0100] The server sends notifications to the user based on the periodic feedback notification settings.

[0101] Server: "Send feedback notification to the user."

[0102] Step 10:

[0103] The user receives the feedback notification on the device and checks the content.

[0104] User: "Receive feedback notifications on your device and review them."

[0105] Step 11:

[0106] Users can use the two-way chat feature to submit specific questions.

[0107] User: "Use the two-way chat feature to send specific questions."

[0108] Step 12:

[0109] The server receives the user's question, analyzes it, and passes it to the AI ​​module.

[0110] Server: "Analyze the user's question and pass it to the AI ​​module."

[0111] Step 13:

[0112] The AI ​​generates appropriate answers to the user's questions and sends them back to the server.

[0113] AI: "Generate answers to user questions and send them back to the server."

[0114] Step 14:

[0115] The server sends the AI's answer to the user.

[0116] Server: "Send the AI's answer to the user."

[0117] Step 15:

[0118] The user checks the AI's answer on the device and asks the question again if necessary.

[0119] User: "Check the AI's answer on your device and send the question again if necessary."

[0120] Example 1

[0121] 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."

[0122] Currently, in order for users to understand their financial situation and receive appropriate feedback and advice, they must manually enter a large amount of information and analyze that data. Furthermore, it is difficult to obtain specific advice in real time through two-way communication, making it difficult to achieve efficient financial management. This poses a challenge, as it can make users feel anxious and stressed about their financial management.

[0123] 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.

[0124] In this invention, the server includes means for collecting financial data from a user, means for analyzing the collected financial data and analyzing income and expenditure trends, means for generating feedback and advice based on the analysis results, means for notifying the user of the generated feedback and advice, means for providing a two-way chat function that allows the user to submit questions, means for generating answers to the user's questions in real time, means for transmitting the collected data to a terminal, means for the terminal to pass the received data to an AI module, means for the AI ​​module to analyze income and expenditure patterns, means for the terminal to generate feedback and advice based on the analysis results of the AI ​​module, means for the terminal to transmit the generated feedback and advice to the server, and means for the server to transmit the generated answers to the user, thereby enabling the user to grasp their own financial situation in real time and receive appropriate and specific advice.

[0125] "User" refers to any individual or corporation that uses this system.

[0126] "Financial Data" means data relating to a User's financial transactions, such as income, expenses, savings, and investments.

[0127] "Collection Methods" refers to the hardware and software methods necessary to obtain your Financial Data.

[0128] "Analytical tools" refers to the algorithms and techniques used to analyze collected financial data and identify trends in income and expenses.

[0129] "Feedback" means opinions or information provided to users based on the results of the analysis.

[0130] "Advice" means specific suggestions or instructions for improving a user's financial situation.

[0131] "Means for notifying" refers to a method for informing the user of the generated feedback and advice.

[0132] "Two-way chat functionality" means functionality that enables a User to exchange messages with the System in real time.

[0133] "Real-time answer generation means" refers to technologies and algorithms for providing instantaneous responses to user questions.

[0134] "Terminal" refers to a device for receiving, analyzing and processing financial data transmitted from the server.

[0135] "AI Module" means a software component that analyzes data using machine learning or artificial intelligence.

[0136] The present invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results, helping users to eliminate anxiety about their income and expenses and to better manage their finances.

[0137] System Overview

[0138] The basic components of the system are:

[0139] server

[0140] Terminal

[0141] User

[0142] AI Module

[0143] Users access the system through devices such as smartphones and PCs. When a user logs in to the application, the server automatically collects the user's income and expenditure data via the API of the electronic payment system and sends it to the device.

[0144] Data collection

[0145] The server calls an API to collect the user's financial data the moment the user logs in. To ensure security, the server uses an authentication protocol such as OAuth. For example, when a user logs in to a banking app, the server uses the bank's API to obtain income and expense data.

[0146] Data analysis

[0147] The collected data is sent to the device, where it is analyzed by an AI module on the device. The AI ​​module uses machine learning algorithms to analyze income and expenditure patterns by comparing them with past data. It also predicts necessary expenses based on the user's age and family composition. For example, if the user has a family of three, it will analyze data from the past six months and predict necessary expenses such as food and education.

[0148] Feedback Generation

[0149] Based on the analysis results, the terminal generates appropriate feedback and advice for the user. For example, it may generate a message saying, "This month's expenses are within budget. Keep it up." This generated message is sent to the server, which then notifies the user.

[0150] Notifications and chat features

[0151] The generated feedback and advice are notified to the user via the server. The user receives this as a push notification on their smartphone or an in-app message. Users can also send specific questions using the two-way chat function. For example, if a user asks, "Do you have any specific advice for increasing savings?", the server passes the question to the AI, which generates an appropriate answer. The AI ​​generates an answer such as, "I recommend setting a monthly savings amount and using automatic withdrawals," and notifies the user via the server.

[0152] Specific examples

[0153] Data collection

[0154] User: "I log in to the app on my phone."

[0155] Server: "Call the API and get the user's income and expenditure data."

[0156] Server: "Send the collected data to the device."

[0157] Data analysis

[0158] Terminal: "Pass received data to AI module."

[0159] AI: "Analyze your income and expenditure patterns over the past six months."

[0160] AI: "Predict and compare spending needs based on family structure."

[0161] Feedback Generation

[0162] Terminal: "Receives analysis results from AI and generates positive feedback and advice."

[0163] Device: "Generate a message saying, 'Your expenses are within budget this month. Keep it up.'"

[0164] Terminal: "Send the generated message to the server."

[0165] Notifications and chat features

[0166] Server: "Notify the user of the generated feedback message."

[0167] User: "I want to be notified that I'm within my budget this month. Keep it up."

[0168] User: "I use the chat feature to ask, 'Do you have any specific tips for increasing my savings?'"

[0169] Server: "Receives the question and passes it to the AI ​​to generate an answer."

[0170] AI: "Generate the answer 'We recommend setting a monthly savings amount and setting up automatic withdrawals.'"

[0171] Server: "Send the generated answer to the user."

[0172] This system allows users to understand their financial situation in real time and receive appropriate and specific advice, which will serve as a powerful tool to reduce users' anxiety about financial management and help them live their daily lives with peace of mind.

[0173] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0174] Step 1:

[0175] The server detects when a user logs into a smartphone app. Using this as input, the server calls the API of an electronic payment system (e.g., bank account or credit card) to collect the user's income and expenditure data. The collected financial data is then stored in the server's internal database.

[0176] Step 2:

[0177] The server sends the collected financial data to the device. Specifically, it uses an encrypted protocol (e.g., HTTPS) to transfer the user's income and expenditure data to the device, which then obtains the data necessary for analysis.

[0178] Step 3:

[0179] The terminal passes the financial data received from the server to the AI ​​module. In this process, the terminal formats the received data and converts it into a format that the AI ​​module can easily understand. The converted data is then input into the AI ​​module.

[0180] Step 4:

[0181] The AI ​​module analyzes income and expenditure patterns over the past six months based on the financial data it receives as input. Specifically, it uses machine learning algorithms to cleanse the data, extract features, and recognize patterns. The results of this analysis are used as the basis for assessing the user's financial situation.

[0182] Step 5:

[0183] The AI ​​module takes into account additional information such as the user's age, family structure, and set goals to predict income and expenditure balances and necessary expenditures. This data processing and calculation produces more accurate analysis results, which are then output to the device.

[0184] Step 6:

[0185] The device generates feedback and advice for the user based on the analysis results received from the AI ​​module. During this generation process, a message such as "Your expenses this month are within budget. Keep it up." The generated message is stored on the device as feedback data.

[0186] Step 7:

[0187] The terminal sends the generated feedback and advice to the server, which then prepares the received feedback for notification to the user. This process includes formatting, encoding, and encryption of the feedback data.

[0188] Step 8:

[0189] The server notifies the user of the generated feedback message in real time as a push notification or an in-app message on their smartphone. The user receives the notification on their device and checks the feedback content.

[0190] Step 9:

[0191] Using the two-way chat function, users can send specific questions to the system, such as, "Do you have any specific advice for increasing my savings?" This question is sent to the server as chat data.

[0192] Step 10:

[0193] The server passes the question received from the user to the AI ​​module, which starts the process of generating an answer. The AI ​​module analyzes the content of the question and generates an appropriate answer. For example, it might generate an answer such as, "We recommend that you set a monthly savings amount and use automatic withdrawal."

[0194] Step 11:

[0195] The answer generated by the AI ​​module is returned to the server, which formats and encodes the data to notify the user, providing the answer in a user-friendly format.

[0196] Step 12:

[0197] The server then sends the generated answers to the user, who can then review the answers on their device and receive specific advice. This process allows users to receive practical advice on financial management in real time.

[0198] (Application example 1)

[0199] 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."

[0200] Conventional financial management systems have had problems such as the time and effort required for users to manually input income and expenditure data, and delays in providing feedback.In addition, it is difficult to provide advice that fully takes into account the specific circumstances of each individual user, making it difficult to carry out effective financial management.

[0201] 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.

[0202] In this invention, the server includes means for collecting financial data from a user, means for analyzing the collected financial data and analyzing income and expenditure trends, means for generating feedback and advice based on the analysis results, means for notifying the user of the generated feedback and advice, means for providing a two-way communication function that allows the user to submit questions, means for using a generative AI model to generate content for questions and answers, and means for notifying the user of the generated answers, thereby enabling the user to grasp their financial situation in real time and receive specific and effective financial management advice.

[0203] "Financial Data" refers to information about a user's economic activities, such as income, expenditure, savings, and investments.

[0204] "Collection means" refers to a method or device for obtaining financial data from a user.

[0205] "Analytical tools" refers to methods and devices for analyzing collected financial data and understanding trends in income and expenses.

[0206] "Feedback" or "advice" is guidance or suggestions provided to the user based on the analysis results.

[0207] "Notification means" refers to a method or device for conveying generated feedback or advice to the user.

[0208] "Two-way communication capability" refers to a communication means that allows a user to submit questions and receive answers.

[0209] "Generative AI model" refers to an artificial intelligence model that automatically generates question and answer content.

[0210] "Real-time" refers to responses or processing at or very close to the moment a user takes an action.

[0211] This invention relates to a system that collects and analyzes users' financial data and provides feedback and advice. Specifically, it consists of three main components: a server, a terminal, and a user.

[0212] First, the server collects financial data from the user, including income and expenditure data from the user's use of the electronic payment system. The server automatically obtains this data through API and transmits the collected data to the terminal.

[0213] The device then performs an analysis based on the received data, which involves evaluating the user's past income and expenditure trends and deriving patterns for a specific period of time. It also takes into account factors such as the user's age and family structure, and generates optimal recommendations based on that.

[0214] Once the analysis is complete, the device generates feedback and advice based on the analysis. For example, it may generate positive feedback such as, "Your expenses this month are within budget. Keep it up." This feedback is then sent to the user via the server.

[0215] Users can also send questions using the two-way communication function. The server receives these questions and uses the generative AI model to generate appropriate answers. For example, if a user asks, "Do you have any specific advice for increasing savings?", the generative AI model will generate the answer, "I recommend setting a monthly savings amount and using automatic withdrawals," and notify the user.

[0216] The hardware and software used include a data acquisition point (usually an API), an analysis engine (including an AI module), and a notification system. Specifically, a common web framework (e.g., Flask) can be used for the API. AI analysis uses AI models such as Hugging Face's Transformers. The notification system uses the push notification function of a smartphone.

[0217] For example, when a user logs into the app and provides financial data, the server calls an API to collect the data, which is then passed to an on-device AI module that analyzes income and expenses over the past six months and generates optimal feedback.

[0218] An example of a prompt is:

[0219] If a user asks, "Do you have any specific advice for increasing savings?", the generative AI model will generate the answer, "To increase your savings, we recommend setting a monthly savings amount and using automatic withdrawals. It is also effective to review unnecessary subscriptions and use them to increase your savings."

[0220] In this way, the system provides users with real-time, specific financial management advice, helping to alleviate their financial worries.

[0221] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0222] Step 1:

[0223] The server collects the user's financial data through an electronic payment system by the user logging in to a smartphone app. This collection involves automatically obtaining the user's income and expenditure data using an API. The input data is the user's electronic payment history, and the output data is the financial data sent to the terminal in a structured format.

[0224] Step 2:

[0225] The terminal receives financial data sent from the server. The received data is first passed to an AI analysis module, which analyzes trends in income and expenditure data over the past six months. The input data is the collected financial data, and the output data is the analysis results showing income and expenditure patterns.

[0226] Step 3:

[0227] The device generates feedback and advice for the user based on the analysis results of the AI ​​analysis module. For example, it creates a positive message such as, "This month's expenses are within budget, so your savings are increasing." The input data is the analysis result of step 2, and the output data is the generated feedback message.

[0228] Step 4:

[0229] The generated feedback and advice are sent to the server, which then notifies the user using the smartphone's push notification function. The input data is the feedback message generated in step 3, and the output data is the message sent to the user's device.

[0230] Step 5:

[0231] Users can submit questions using the two-way communication feature within the app. For example, a user might ask, "Do you have any specific advice for increasing my savings?" The input data is the user's question, and the output data is the question sent to the server through the two-way communication channel.

[0232] Step 6:

[0233] The server passes the received user question to a generative AI model, which generates an answer in real time. The generative AI model generates optimal advice by taking into account the user's income and expenditure data, age, family composition, etc. The input data is the user's question and related financial data, and the output data is the generated answer.

[0234] Step 7:

[0235] The generated answer is notified to the user via the server. For example, specific advice such as "We recommend that you set a monthly savings amount and use automatic withdrawals" is sent to the user. The input data is the answer generated in step 6, and the output data is the advice notified to the user.

[0236] As described above, through the specific operations performed at each processing step, the system is able to grasp the user's financial situation in real time and provide appropriate feedback and advice.

[0237] 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.

[0238] This invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results. By combining it with an emotion engine, it is possible to respond according to the user's emotions. This allows users to manage their own financial situation with peace of mind and receive appropriate advice.

[0239] System configuration

[0240] The system includes the following main components:

[0241] 1. Server

[0242] 2. Terminal

[0243] 3. Users

[0244] 4. Emotion Engine

[0245] Program processing flow

[0246] 1. Data Collection

[0247] The server first collects the user's financial data, which includes retrieving data from the user's electronic payment system. When the user logs into the application, the server automatically collects the data via an API.

[0248] 2. Data Analysis

[0249] Once the data is collected, the on-device AI analyzes it to identify income and expenditure trends, compare them with historical data, and assess the user's financial situation, based on the user's age, family structure, and set goals.

[0250] 3. Feedback Generation

[0251] Based on the analysis results, the device generates appropriate feedback and advice for the user, including advice on how to manage expenses and save money. For example, positive feedback such as "Your expenses this month are within budget, so your savings are increasing" is provided.

[0252] 4. Notifications and Chat Features

[0253] The generated feedback and advice is sent to the user via the server, allowing the user to check their financial situation in real time. Users can also send specific questions using the two-way chat function. The server analyzes these questions and passes them to the AI ​​to generate appropriate answers. Users can receive answers instantly.

[0254] 5. Incorporating an Emotional Engine

[0255] Additionally, the emotion engine recognizes the user's emotions. This engine analyzes the user's input and behavior to understand their current emotional state. As a result, the feedback and advice can be tailored to the user's emotions. For example, if the user is feeling anxious, the engine will generate a particularly reassuring and positive message.

[0256] Specific examples

[0257] 1. Data Collection

[0258] User: "I log in to the app on my phone."

[0259] Server: "Call the API and get the user's income and expenditure data."

[0260] Server: "Send the collected data to the device."

[0261] 2. Data Analysis

[0262] Terminal: "Pass received data to AI module."

[0263] AI: "Analyze your income and expenditure patterns over the past six months."

[0264] AI: "Predict and compare spending needs based on family structure."

[0265] 3. Feedback Generation

[0266] Terminal: "Receives analysis results from AI and generates positive feedback and advice."

[0267] Device: "Generate a message saying, 'Your expenses are within budget this month. Keep it up.'"

[0268] Terminal: "Send the generated message to the server."

[0269] 4. Notifications and Chat Features

[0270] Server: "Notify the user of the generated feedback message."

[0271] User: "I want to be notified that I'm within my budget this month. Keep it up."

[0272] User: "I use the chat feature to ask, 'Do you have any specific tips for increasing my savings?'"

[0273] Server: "Receives the question and passes it to the AI ​​to generate an answer."

[0274] AI: "Generate the answer 'We recommend setting a monthly savings amount and setting up automatic withdrawals.'"

[0275] Server: "Send the generated answer to the user."

[0276] 5. Application of Emotion Engine

[0277] User: "I use the two-way chat feature to express my concerns."

[0278] Emotion engine: "Recognizes user concerns and instructs the AI ​​to generate reassuring messages."

[0279] AI: "Generate a message that says, 'Your efforts are paying off. Keep going and you'll get better results.'"

[0280] Server: "Send this message to the user."

[0281] This system allows users to understand their financial situation in real time and manage it with peace of mind. In addition, the introduction of an emotion engine enables flexible responses based on the user's emotions, making the system even more user-friendly.

[0282] The processing flow will be explained below.

[0283] Step 1:

[0284] The user logs in to the dedicated application.

[0285] User: "Log in to the dedicated application."

[0286] Step 2:

[0287] The server calls the API to collect financial data with the user's consent.

[0288] Server: "Call the API and get the user's income, expenses, and investment data."

[0289] Step 3:

[0290] The server temporarily stores the acquired financial data and transmits it to the user's terminal using a secure communication method.

[0291] Server: "Temporarily store the acquired financial data and send it to the device."

[0292] Step 4:

[0293] The data received by the device is passed to an AI module for analysis.

[0294] Terminal: "Pass received data to AI module."

[0295] Step 5:

[0296] AI analyzes patterns in income, expenditure, and investment data and compares them with the user's past data.

[0297] In-device AI: "Analyzes income and expense trends and compares them with historical data."

[0298] Step 6:

[0299] AI generates optimal feedback and advice based on the user's age, family structure, and goals.

[0300] In-device AI: "Generates feedback and advice tailored to the user's age, family structure, and goals."

[0301] Step 7:

[0302] The device receives feedback and advice generated by the AI ​​and translates it into positive expressions.

[0303] Terminal: "Transform feedback into positive language and frame your message."

[0304] Step 8:

[0305] The terminal sends the generated feedback and advice messages to the server.

[0306] Terminal: "Send the generated feedback message to the server."

[0307] Step 9:

[0308] The server sends notifications to the user based on the periodic feedback notification settings.

[0309] Server: "Send feedback notification to the user."

[0310] Step 10:

[0311] The user receives the feedback notification on the device and checks the content.

[0312] User: "Receive feedback notifications on your device and review them."

[0313] Step 11:

[0314] Users can use the two-way chat feature to submit specific questions.

[0315] User: "Use the two-way chat feature to send specific questions."

[0316] Step 12:

[0317] The server receives the user's question, analyzes it, and passes it to the AI ​​module.

[0318] Server: "Analyze the user's question and pass it to the AI ​​module."

[0319] Step 13:

[0320] The AI ​​generates appropriate answers to the user's questions and sends them back to the server.

[0321] AI: "Generate answers to user questions and send them back to the server."

[0322] Step 14:

[0323] The server sends the AI's answer to the user.

[0324] Server: "Send the AI's answer to the user."

[0325] Step 15:

[0326] The user checks the AI's answer on the device and asks the question again if necessary.

[0327] User: "Check the AI's answer on your device and send the question again if necessary."

[0328] Step 16:

[0329] The emotion engine analyzes the user's input and actions to recognize their current emotional state.

[0330] Emotion engine: "Analyzes user input and behavior to recognize emotional states."

[0331] Step 17:

[0332] When a user expresses anxiety or stress, the emotion engine detects that emotion.

[0333] Emotion engine: "Detects user anxiety and stress."

[0334] Step 18:

[0335] The emotion engine instructs the AI ​​to tailor its feedback and advice based on the user's emotional state.

[0336] Emotion engine: "Instructs the AI ​​to tailor its feedback and advice."

[0337] Step 19:

[0338] The AI ​​generates reassuring messages based on instructions from the emotion engine.

[0339] AI: "Generate a message that says, 'Your efforts are paying off. Keep going and you'll get better results.'"

[0340] Step 20:

[0341] The server sends this message to the user.

[0342] Server: "Send the generated reassuring message to the user."

[0343] Step 21:

[0344] Users receive feedback messages on their device that correspond to their emotions, helping them calm down.

[0345] User: "I get feedback messages on my device and it calms me down."

[0346] Example 2

[0347] 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."

[0348] While conventional financial management systems can analyze users' financial data and provide feedback and advice, they lack the ability to respond to users' emotional states and offer two-way real-time chat functionality. Even when users feel anxious, they may only receive standardized messages, resulting in an unsatisfactory user experience. Another problem is the difficulty of providing personalized advice based on individual user information such as age and family structure.

[0349] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[0350] In this invention, the server includes means for collecting financial data from the user, means for analyzing the collected financial data and analyzing trends in income and expenditure, and means for generating feedback and advice based on the analysis results, thereby making it possible to analyze the user's financial situation and provide appropriate and positive feedback and advice in real time.

[0351] The server also includes means for notifying the user of the generated feedback and advice, means for providing a two-way chat function that allows the user to send questions, means for recognizing the user's emotions and generating feedback and advice according to the emotions, and means for generating answers to the user's questions in real time, thereby enabling flexible responses according to the user's emotions and two-way communication in real time, thereby increasing user satisfaction.

[0352] Furthermore, it includes a means for generating optimal suggestions based on the user's age and family structure, allowing for more personalized support by providing individual advice tailored to the user's specific conditions and goals.

[0353] "User" means any person or entity that provides financial data and uses the System.

[0354] "Server" refers to a computer system that processes and stores data collected from users and provides the required services.

[0355] "Financial Data" means information relating to your financial affairs, such as your income, expenses, assets, and liabilities.

[0356] "Two-way chat function" refers to a function that allows users to communicate with the system in real time.

[0357] "Means for collecting" refers to a method or device for receiving and storing financial data from users.

[0358] "Means for analyzing" refers to a method or device for evaluating collected financial data and analyzing trends in income and expenses.

[0359] "Means for generating feedback and advice" refers to a method or device that generates information or advice to provide to a user based on the analysis results.

[0360] "Means for notifying" refers to a method or device for transmitting generated feedback or advice to the user.

[0361] "Means for recognizing emotions" refers to a method or device for determining and recognizing a user's emotional state from their input or behavior.

[0362] "Means for generating answers in real time" refers to a method or device that creates and provides appropriate answers instantly to questions from users.

[0363] "Means for converting feedback and advice into positive, encouraging language" refers to a method or device for converting the content of feedback or advice into positive, encouraging language.

[0364] This invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results. Furthermore, by combining it with an emotion engine, it is possible to respond according to the user's emotions. This allows users to manage their own financial situation with peace of mind and receive appropriate advice.

[0365] System configuration

[0366] The system includes the following main components:

[0367] 1. Server

[0368] 2. Terminal

[0369] 3. Users

[0370] 4. Emotion Engine

[0371] Data collection

[0372] When a user logs into the app on their smartphone, the server calls the API to retrieve the user's income and expenditure data. The server then sends that data to the device. Specifically, the following process takes place:

[0373] User: "Log in to the app on my smartphone"

[0374] Server: "Call the API and get the user's income and expense data."

[0375] Server: "Send collected data to the device"

[0376] Hardware used: Smartphone

[0377] Software used: Electronic payment systems, APIs

[0378] Data analysis

[0379] The device receives data from the server and passes it to the AI ​​module, which analyzes it. The AI ​​module analyzes income and expenditure patterns over the past six months and predicts necessary expenditures based on age and family composition. Specifically, the following process is performed:

[0380] Terminal: "Pass received data to AI module"

[0381] AI: "Analyze your income and spending patterns over the past six months"

[0382] AI: "Predict and compare spending needs based on family structure"

[0383] Hardware used: PC or server

[0384] Software used: AI analysis module

[0385] Feedback Generation

[0386] The device receives the analysis results from the AI ​​and generates positive feedback and advice. The generated message is sent to the server and notified to the user. Specifically, the following process is performed:

[0387] Device: "Receives analysis results from AI and generates positive feedback and advice."

[0388] Device: "Generate a message saying, 'You're within budget this month. Keep it up.'"

[0389] Terminal: "Send generated message to server"

[0390] Hardware used: Device (smartphone or PC)

[0391] Software used: Notification system

[0392] Notifications and chat features

[0393] The server sends the generated feedback message to the user's app. The user receives the notification and can send a question using the chat function if necessary. The server receives the question, passes it to the AI ​​to generate an answer, and notifies the user. Specifically, the following process is performed:

[0394] Server: "Notify the user of the generated feedback message"

[0395] User: "I want to be notified that 'You're within budget this month. Keep it up.'"

[0396] User: "Use the chat feature and ask, 'Do you have any specific tips for increasing my savings?'"

[0397] Server: "Receives questions, passes them to the AI, and generates answers."

[0398] AI: "Generate the answer 'We recommend setting a monthly savings amount and using automatic withdrawals.'"

[0399] Server: "Send the generated answer to the user"

[0400] Hardware used: Server, terminal

[0401] Software used: Real-time notification system, chatbot

[0402] Incorporating an emotion engine

[0403] It recognizes emotions from user input and behavior and generates feedback to provide a sense of security. The emotion engine recognizes the user's anxiety and instructs the AI ​​to generate positive messages accordingly. Specifically, the following process is performed:

[0404] User: "Express your concerns through two-way chat"

[0405] Emotion engine: "Recognizes user concerns and instructs the AI ​​to generate reassuring messages."

[0406] AI: "Generate a message that says, 'Your efforts are paying off. Keep going and you'll get better results.'"

[0407] Server: "Send this message to the user"

[0408] Hardware used: Emotion engine (e.g., emotion recognition hardware such as sensors)

[0409] Software used: Sentiment analysis software

[0410] Specific examples (prompt sentence examples)

[0411] 1. Data Collection

[0412] Automatically retrieve financial data based on your registered account information.

[0413] 2. Data Analysis

[0414] It analyzes the user's income and expenditure data from the past six months and provides spending forecasts based on family composition.

[0415] 3. Feedback Generation

[0416] Generate positive feedback messages that show your financial situation is good.

[0417] 4. Notifications and Chat Features

[0418] You asked how to increase your savings. Can you provide some specific advice?

[0419] 5. Incorporating an Emotional Engine

[0420] The user is feeling anxious. Create a positive message to reassure them.

[0421] As described above, the present invention provides a flexible response according to the user's emotions and individual financial situation, and helps the user manage their finances with peace of mind.

[0422] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0423] Step 1: User Login

[0424] User: "Log in to the app on my smartphone"

[0425] Input: "User ID and password"

[0426] Output: "Show home screen"

[0427] Specific behavior:

[0428] 1. The user launches the app on their smartphone and enters their user ID and password on the login screen.

[0429] 2. The server checks the entered ID and password, and if authentication is successful, displays the home screen.

[0430] Step 2: Data collection

[0431] Server: "Call the API and get the user's income and expense data."

[0432] Input: "User credentials"

[0433] Output: "Collected financial data"

[0434] Specific behavior:

[0435] 1. The server calls the API of the electronic payment system using the user's authentication information.

[0436] 2. The electronic payment system returns the user's past income and expenditure data.

[0437] 3. The server formats this data, extracts the necessary parts, and sends them to the terminal.

[0438] Step 3: Data analysis

[0439] Terminal: "Pass received data to AI module"

[0440] Input: "Collected Financial Data"

[0441] Output: "Income and expenditure trend analysis results"

[0442] Specific behavior:

[0443] 1. The terminal passes the financial data received from the server to the AI ​​module.

[0444] 2. The AI ​​module analyzes income and expenditure data for the past six months.

[0445] 3. The AI ​​module predicts necessary expenditures based on age and family composition and returns the analysis results to the device.

[0446] Step 4: Feedback generation

[0447] Device: "Receives analysis results from AI and generates positive feedback and advice."

[0448] Input: "Analysis results"

[0449] Output: "Feedback message"

[0450] Specific behavior:

[0451] 1. The device receives the analysis results from the AI ​​and generates a feedback message to provide to the user.

[0452] 2. For example, a message might be generated that reads, "This month's expenses are within budget. Let's keep it up."

[0453] 3. The generated message is sent to the server.

[0454] Step 5: Notifications and chat features

[0455] Server: "Notify the user of the generated feedback message"

[0456] Input: "Feedback message"

[0457] Output: "Notify user"

[0458] Specific behavior:

[0459] 1. The server notifies the user's app of the feedback message received from the device.

[0460] 2. The user receives a notification and checks the message.

[0461] 3. Users can submit questions using the chat function.

[0462] 4. The server receives the user's question and passes it to the AI ​​to generate an answer.

[0463] 5. The AI ​​module generates the best answer to the question and sends it back to the server.

[0464] 6. The server notifies the user's app of the generated answer.

[0465] Step 6: Incorporating the Emotion Engine

[0466] Emotion engine: "Recognizes user concerns and instructs the AI ​​to generate reassuring messages."

[0467] Input: "User's emotional state"

[0468] Output: "Feedback message based on emotion"

[0469] Specific behavior:

[0470] 1. The emotion engine recognizes emotions (e.g., anxiety) expressed by users within the app.

[0471] 2. The emotion engine instructs the AI ​​to generate reassuring feedback messages based on the user's emotional state.

[0472] 3. The AI ​​module receives instructions from the emotion engine and generates appropriate feedback messages.

[0473] 4. For example, a message might be generated that says, "Your efforts are paying off. If you keep going, you'll see even better results."

[0474] 5. The server sends the generated message to the user.

[0475] This series of processes allows users to grasp their financial situation in real time and manage it with peace of mind.In addition, the introduction of an emotion engine enables flexible responses based on the user's emotions, making the system even more user-friendly.

[0476] (Application example 2)

[0477] 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."

[0478] While conventional financial management systems can collect and analyze income and expenditure data, they lack the functionality to provide feedback and advice tailored to the user's emotional state. As a result, users often find it difficult to receive appropriate support even when they feel anxious about their financial situation, resulting in poor financial management. The present invention aims to solve this problem and enable users to manage their finances with peace of mind.

[0479] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for collecting financial data from the user, means for analyzing the collected financial data and analyzing income and expenditure trends, and means for generating feedback and advice based on the analysis results. This makes it possible to analyze the user's financial situation in real time and provide appropriate feedback and advice. Furthermore, by analyzing the user's emotions using an emotion engine and adjusting the content of the feedback and advice according to the emotions, it is possible to provide the user with a sense of security and more effectively support financial management.

[0480] "User" refers to an entity that uses the system to manage financial data and receive feedback.

[0481] "Financial Data" is a general term for information regarding a user's income, expenses, savings, investments, etc.

[0482] "Means of collection" refers to the mechanism for electronically obtaining a user's financial data, and may use methods such as API connections.

[0483] "Analytical means" refers to the algorithms and processes used to analyze collected financial data and analyze trends in income and expenditures.

[0484] The "means for generating feedback and advice" is a means having a function for automatically generating appropriate suggestions and advice for the user based on the analysis results.

[0485] "Means for notification" refers to a mechanism for electronically notifying the user of generated feedback or advice, including push notifications and emails.

[0486] A "means for providing two-way chat functionality" is something that provides an interface for users to interact with the system, submit questions, and receive answers in real time.

[0487] "Means for generating answers in real time" refers to an algorithm that responds immediately to questions from users and generates appropriate answers.

[0488] "Emotion analysis means" refers to technology for detecting and analyzing a user's emotions, and uses methods such as text analysis and tone of voice analysis.

[0489] The "means for adjusting the content of feedback and advice" has a function of changing the expression and content of feedback and advice based on the emotion analysis results to match the emotional state of the user.

[0490] The present invention provides a system that collects and analyzes a user's financial data, provides appropriate feedback and advice, and responds according to the user's emotions using an emotion engine. This system includes a server, a terminal, and a user interface. A specific embodiment of the system is described below.

[0491] System configuration

[0492] Hardware and Software

[0493] Hardware: Smartphone

[0494] software:

[0495] API: The API used to collect financial data (e.g., Financial Data API)

[0496] Emotion Engine: EmotionEngine module (used to analyze user emotions)

[0497] Data Analysis Module: AIAdvisor module (used to analyze financial data and generate advice)

[0498] System Operation

[0499] 1. Data Collection

[0500] The server collects financial data with the user's permission through the user's smartphone application, using an API to obtain data such as the user's income, expenses, and savings.

[0501] 2. Data Analysis

[0502] The server passes the collected data to a data analysis module (AIAdvisor), which analyzes past income and expenditure patterns to assess the user's financial situation. Based on this assessment, it generates specific advice and feedback.

[0503] 3. Generating feedback and advice

[0504] The generated feedback and advice is sent to the user via push notifications, emails, etc. For example, a message such as "Your spending this month is within budget. Keep it up."

[0505] 4. Two-way chat function

[0506] Users can use a smartphone application to send questions to the system. The server receives these questions in real time and passes them to a data analysis module to generate answers. For example, if a user asks, "Do you have any specific advice for increasing savings?", the system generates the answer, "I recommend setting a monthly savings amount and using automatic withdrawals."

[0507] 5. Application of Emotion Engine

[0508] The Emotion Engine analyzes the user's input and behavior to understand their current emotional state. Based on this, it adjusts the feedback and advice it provides. For example, if the user is feeling anxious, it generates a positive message that is particularly reassuring. Specifically, it provides a message like, "Your efforts are paying off. If you keep at it, you'll get even better results."

[0509] Specific examples

[0510] Example 1:

[0511] User: "I'm worried about my recent expenses."

[0512] Application: "Your expenses seem to be increasing, but other expenses are being cut. Let's start by reviewing your spending on essentials and see how much you have left over."

[0513] Example 2:

[0514] User: "I'm having trouble saving money."

[0515] Application: "I recommend setting a fixed monthly savings amount and automatically allocating it. This will help you avoid overspending."

[0516] Prompt Sentence Examples

[0517] Prompt: "Parse the emotional financial comments entered by the user in the following format and generate appropriate feedback: [User Input]: {User Input Data} [Feedback]: {Feedback}"

[0518] This system allows users to understand their financial situation in real time and manage it with peace of mind. In addition, the introduction of an emotion engine enables flexible responses based on the user's emotions, making the system even more user-friendly.

[0519] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0520] Step 1:

[0521] A user logs in to a smartphone application. When the user logs in to the application, the server authenticates the user and, after authentication is complete, begins collecting financial data with the user's permission. The input is the user's login information and authentication token, and the output is the authenticated user's financial data. The financial data is obtained via an API and includes information such as income, expenses, and savings.

[0522] Step 2:

[0523] The server sends the collected financial data to a data analysis module (AIAdvisor). The input data is the collected financial data, and the output is the analysis results. AIAdvisor analyzes past income and expenditure patterns to assess the user's current financial situation. In doing so, it identifies income and expenditure trends and detects abnormal income and expenses.

[0524] Step 3:

[0525] The server uses the analysis results obtained from AIAdvisor to generate feedback and advice. The input is the analysis results, and the output is feedback and advice messages. For example, the server generates a message such as, "This month's expenses are within budget. Let's keep it up."

[0526] Step 4:

[0527] The server notifies the user of the generated feedback and advice via a smartphone application. The input data are the generated feedback and advice messages, and the output is a notification displayed on the user side, allowing the user to check their financial situation in real time.

[0528] Step 5:

[0529] A user uses the two-way chat feature to submit a specific question. The input data is the question from the user, and the output is a confirmation of receipt by the server. For example, a user might ask, "Do you have any specific advice for increasing my savings?"

[0530] Step 6:

[0531] The server passes the received question to the data analysis module, which generates an answer in real time. The input data is the question from the user, and the output is the answer from the analysis module. For example, the generated advice might be, "We recommend that you set a monthly savings amount and use automatic withdrawal."

[0532] Step 7:

[0533] The server notifies the user of the generated answer via a smartphone application. The input data is the generated answer, and the output is a notification displayed on the user's side. The user can get the answer immediately.

[0534] Step 8:

[0535] The Emotion Engine analyzes the user's input and behavior to detect their emotional state. The input data is the user's text input or behavioral data, and the output is a label for the emotional state (e.g., anxious, relieved). If the user is feeling anxious, the Emotion Engine will detect that state.

[0536] Step 9:

[0537] The server adjusts the content of the feedback and advice based on the detected emotional state. The input data is the output of the emotion engine and the generated feedback and advice, and the output is the adjusted feedback and advice. For example, if the user is feeling anxious, a reassuring message such as "Your efforts are paying off. If you keep going, you will get even better results" is generated.

[0538] Step 10:

[0539] The server then sends the user feedback and advice after the adjustment via a smartphone application. The input data is the feedback and advice after the adjustment, and the output is a notification displayed on the user's side. This allows the user to receive positive feedback and continue managing their finances with peace of mind.

[0540] 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.

[0541] 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.

[0542] 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.

[0543] [Second embodiment]

[0544] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0545] 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.

[0546] 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).

[0547] 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.

[0548] 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.

[0549] 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).

[0550] 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.

[0551] 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.

[0552] 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.

[0553] 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.

[0554] 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.

[0555] 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."

[0556] The present invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results, helping users to eliminate anxiety about their income and expenses and to better manage their finances.

[0557] System configuration

[0558] The system includes the following main components:

[0559] 1. Server

[0560] 2. Terminal

[0561] 3. Users

[0562] Program processing flow

[0563] 1. Data Collection

[0564] The server first collects the user's financial data, which includes retrieving data from the user's electronic payment system. When the user logs into the application, the server automatically collects the data via an API.

[0565] 2. Data Analysis

[0566] Once the data is collected, the on-device AI analyzes it to identify income and expenditure trends, compare them with historical data, and assess the user's financial situation, based on the user's age, family structure, and set goals.

[0567] 3. Feedback Generation

[0568] Based on the analysis results, the device generates appropriate feedback and advice for the user, including advice on how to manage expenses and save money. For example, positive feedback such as "Your expenses this month are within budget, so your savings are increasing" is provided.

[0569] 4. Notifications and Chat Features

[0570] The generated feedback and advice is sent to the user via the server, allowing the user to check their financial situation in real time. Users can also send specific questions using the two-way chat function. The server analyzes these questions and passes them to the AI ​​to generate appropriate answers. Users can receive answers instantly.

[0571] Specific examples

[0572] 1. Data Collection

[0573] User: "I log in to the app on my phone."

[0574] Server: "Call the API and get the user's income and expenditure data."

[0575] Server: "Send the collected data to the device."

[0576] 2. Data Analysis

[0577] Terminal: "Pass received data to AI module."

[0578] AI: "Analyze your income and expenditure patterns over the past six months."

[0579] AI: "Predict and compare spending needs based on family structure."

[0580] 3. Feedback Generation

[0581] Terminal: "Receives analysis results from AI and generates positive feedback and advice."

[0582] Device: "Generate a message saying, 'Your expenses are within budget this month. Keep it up.'"

[0583] Terminal: "Send the generated message to the server."

[0584] 4. Notifications and Chat Features

[0585] Server: "Notify the user of the generated feedback message."

[0586] User: "I want to be notified that I'm within my budget this month. Keep it up."

[0587] User: "I use the chat feature to ask, 'Do you have any specific tips for increasing my savings?'"

[0588] Server: "Receives the question and passes it to the AI ​​to generate an answer."

[0589] AI: "Generate the answer 'We recommend setting a monthly savings amount and setting up automatic withdrawals.'"

[0590] Server: "Send the generated answer to the user."

[0591] This system allows users to understand their financial situation in real time and manage it with peace of mind, while positive feedback increases motivation and enables sustainable financial management.

[0592] The processing flow will be explained below.

[0593] Step 1:

[0594] The user logs in to the dedicated application.

[0595] User: "Log in to the dedicated application."

[0596] Step 2:

[0597] The server calls the API to collect financial data with the user's consent.

[0598] Server: "Call the API and get the user's income, expenses, and investment data."

[0599] Step 3:

[0600] The server temporarily stores the acquired financial data and transmits it to the user's terminal using a secure communication method.

[0601] Server: "Temporarily store the acquired financial data and send it to the device."

[0602] Step 4:

[0603] The data received by the device is passed to an AI module for analysis.

[0604] Terminal: "Pass received data to AI module."

[0605] Step 5:

[0606] AI analyzes patterns in income, expenditure, and investment data and compares them with the user's past data.

[0607] In-device AI: "Analyzes income and expense trends and compares them with historical data."

[0608] Step 6:

[0609] AI generates optimal feedback and advice based on the user's age, family structure, and goals.

[0610] In-device AI: "Generates feedback and advice tailored to the user's age, family structure, and goals."

[0611] Step 7:

[0612] The device receives feedback and advice generated by the AI ​​and translates it into positive expressions.

[0613] Terminal: "Transform feedback into positive language and frame your message."

[0614] Step 8:

[0615] The terminal sends the generated feedback and advice messages to the server.

[0616] Terminal: "Send the generated feedback message to the server."

[0617] Step 9:

[0618] The server sends notifications to the user based on the periodic feedback notification settings.

[0619] Server: "Send feedback notification to the user."

[0620] Step 10:

[0621] The user receives the feedback notification on the device and checks the content.

[0622] User: "Receive feedback notifications on your device and review them."

[0623] Step 11:

[0624] Users can use the two-way chat feature to submit specific questions.

[0625] User: "Use the two-way chat feature to send specific questions."

[0626] Step 12:

[0627] The server receives the user's question, analyzes it, and passes it to the AI ​​module.

[0628] Server: "Analyze the user's question and pass it to the AI ​​module."

[0629] Step 13:

[0630] The AI ​​generates appropriate answers to the user's questions and sends them back to the server.

[0631] AI: "Generate answers to user questions and send them back to the server."

[0632] Step 14:

[0633] The server sends the AI's answer to the user.

[0634] Server: "Send the AI's answer to the user."

[0635] Step 15:

[0636] The user checks the AI's answer on the device and asks the question again if necessary.

[0637] User: "Check the AI's answer on your device and send the question again if necessary."

[0638] Example 1

[0639] 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."

[0640] Currently, in order for users to understand their financial situation and receive appropriate feedback and advice, they must manually enter a large amount of information and analyze that data. Furthermore, it is difficult to obtain specific advice in real time through two-way communication, making it difficult to achieve efficient financial management. This poses a challenge, as it can make users feel anxious and stressed about their financial management.

[0641] 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.

[0642] In this invention, the server includes means for collecting financial data from a user, means for analyzing the collected financial data and analyzing income and expenditure trends, means for generating feedback and advice based on the analysis results, means for notifying the user of the generated feedback and advice, means for providing a two-way chat function that allows the user to submit questions, means for generating answers to the user's questions in real time, means for transmitting the collected data to a terminal, means for the terminal to pass the received data to an AI module, means for the AI ​​module to analyze income and expenditure patterns, means for the terminal to generate feedback and advice based on the analysis results of the AI ​​module, means for the terminal to transmit the generated feedback and advice to the server, and means for the server to transmit the generated answers to the user, thereby enabling the user to grasp their own financial situation in real time and receive appropriate and specific advice.

[0643] "User" refers to any individual or corporation that uses this system.

[0644] "Financial Data" means data relating to a User's financial transactions, such as income, expenses, savings, and investments.

[0645] "Collection Methods" refers to the hardware and software methods necessary to obtain your Financial Data.

[0646] "Analytical tools" refers to the algorithms and techniques used to analyze collected financial data and identify trends in income and expenses.

[0647] "Feedback" means opinions or information provided to users based on the results of the analysis.

[0648] "Advice" means specific suggestions or instructions for improving a user's financial situation.

[0649] "Means for notifying" refers to a method for informing the user of the generated feedback and advice.

[0650] "Two-way chat functionality" means functionality that enables a User to exchange messages with the System in real time.

[0651] "Real-time answer generation means" refers to technologies and algorithms for providing instantaneous responses to user questions.

[0652] "Terminal" refers to a device for receiving, analyzing and processing financial data transmitted from the server.

[0653] "AI Module" means a software component that analyzes data using machine learning or artificial intelligence.

[0654] The present invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results, helping users to eliminate anxiety about their income and expenses and to better manage their finances.

[0655] System Overview

[0656] The basic components of the system are:

[0657] server

[0658] Terminal

[0659] User

[0660] AI Module

[0661] Users access the system through devices such as smartphones and PCs. When a user logs in to the application, the server automatically collects the user's income and expenditure data via the API of the electronic payment system and sends it to the device.

[0662] Data collection

[0663] The server calls an API to collect the user's financial data the moment the user logs in. To ensure security, the server uses an authentication protocol such as OAuth. For example, when a user logs in to a banking app, the server uses the bank's API to obtain income and expense data.

[0664] Data analysis

[0665] The collected data is sent to the device, where it is analyzed by an AI module on the device. The AI ​​module uses machine learning algorithms to analyze income and expenditure patterns by comparing them with past data. It also predicts necessary expenses based on the user's age and family composition. For example, if the user has a family of three, it will analyze data from the past six months and predict necessary expenses such as food and education.

[0666] Feedback Generation

[0667] Based on the analysis results, the terminal generates appropriate feedback and advice for the user. For example, it may generate a message saying, "This month's expenses are within budget. Keep it up." This generated message is sent to the server, which then notifies the user.

[0668] Notifications and chat features

[0669] The generated feedback and advice are notified to the user via the server. The user receives this as a push notification on their smartphone or an in-app message. Users can also send specific questions using the two-way chat function. For example, if a user asks, "Do you have any specific advice for increasing savings?", the server passes the question to the AI, which generates an appropriate answer. The AI ​​generates an answer such as, "I recommend setting a monthly savings amount and using automatic withdrawals," and notifies the user via the server.

[0670] Specific examples

[0671] Data collection

[0672] User: "I log in to the app on my phone."

[0673] Server: "Call the API and get the user's income and expenditure data."

[0674] Server: "Send the collected data to the device."

[0675] Data analysis

[0676] Terminal: "Pass received data to AI module."

[0677] AI: "Analyze your income and expenditure patterns over the past six months."

[0678] AI: "Predict and compare spending needs based on family structure."

[0679] Feedback Generation

[0680] Terminal: "Receives analysis results from AI and generates positive feedback and advice."

[0681] Device: "Generate a message saying, 'Your expenses are within budget this month. Keep it up.'"

[0682] Terminal: "Send the generated message to the server."

[0683] Notifications and chat features

[0684] Server: "Notify the user of the generated feedback message."

[0685] User: "I want to be notified that I'm within my budget this month. Keep it up."

[0686] User: "I use the chat feature to ask, 'Do you have any specific tips for increasing my savings?'"

[0687] Server: "Receives the question and passes it to the AI ​​to generate an answer."

[0688] AI: "Generate the answer 'We recommend setting a monthly savings amount and setting up automatic withdrawals.'"

[0689] Server: "Send the generated answer to the user."

[0690] This system allows users to understand their financial situation in real time and receive appropriate and specific advice, which will serve as a powerful tool to reduce users' anxiety about financial management and help them live their daily lives with peace of mind.

[0691] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0692] Step 1:

[0693] The server detects when a user logs into a smartphone app. Using this as input, the server calls the API of an electronic payment system (e.g., bank account or credit card) to collect the user's income and expenditure data. The collected financial data is then stored in the server's internal database.

[0694] Step 2:

[0695] The server sends the collected financial data to the device. Specifically, it uses an encrypted protocol (e.g., HTTPS) to transfer the user's income and expenditure data to the device, which then obtains the data necessary for analysis.

[0696] Step 3:

[0697] The terminal passes the financial data received from the server to the AI ​​module. In this process, the terminal formats the received data and converts it into a format that the AI ​​module can easily understand. The converted data is then input into the AI ​​module.

[0698] Step 4:

[0699] The AI ​​module analyzes income and expenditure patterns over the past six months based on the financial data it receives as input. Specifically, it uses machine learning algorithms to cleanse the data, extract features, and recognize patterns. The results of this analysis are used as the basis for assessing the user's financial situation.

[0700] Step 5:

[0701] The AI ​​module takes into account additional information such as the user's age, family structure, and set goals to predict income and expenditure balances and necessary expenditures. This data processing and calculation produces more accurate analysis results, which are then output to the device.

[0702] Step 6:

[0703] The device generates feedback and advice for the user based on the analysis results received from the AI ​​module. During this generation process, a message such as "Your expenses this month are within budget. Keep it up." The generated message is stored on the device as feedback data.

[0704] Step 7:

[0705] The terminal sends the generated feedback and advice to the server, which then prepares the received feedback for notification to the user. This process includes formatting, encoding, and encryption of the feedback data.

[0706] Step 8:

[0707] The server notifies the user of the generated feedback message in real time as a push notification or an in-app message on their smartphone. The user receives the notification on their device and checks the feedback content.

[0708] Step 9:

[0709] Using the two-way chat function, users can send specific questions to the system, such as, "Do you have any specific advice for increasing my savings?" This question is sent to the server as chat data.

[0710] Step 10:

[0711] The server passes the question received from the user to the AI ​​module, which starts the process of generating an answer. The AI ​​module analyzes the content of the question and generates an appropriate answer. For example, it might generate an answer such as, "We recommend that you set a monthly savings amount and use automatic withdrawal."

[0712] Step 11:

[0713] The answer generated by the AI ​​module is returned to the server, which formats and encodes the data to notify the user, providing the answer in a user-friendly format.

[0714] Step 12:

[0715] The server then sends the generated answers to the user, who can then review the answers on their device and receive specific advice. This process allows users to receive practical advice on financial management in real time.

[0716] (Application example 1)

[0717] 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."

[0718] Conventional financial management systems have had problems such as the time and effort required for users to manually input income and expenditure data, and delays in providing feedback.In addition, it is difficult to provide advice that fully takes into account the specific circumstances of each individual user, making it difficult to carry out effective financial management.

[0719] 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.

[0720] In this invention, the server includes means for collecting financial data from a user, means for analyzing the collected financial data and analyzing income and expenditure trends, means for generating feedback and advice based on the analysis results, means for notifying the user of the generated feedback and advice, means for providing a two-way communication function that allows the user to submit questions, means for using a generative AI model to generate content for questions and answers, and means for notifying the user of the generated answers, thereby enabling the user to grasp their financial situation in real time and receive specific and effective financial management advice.

[0721] "Financial Data" refers to information about a user's economic activities, such as income, expenditure, savings, and investments.

[0722] "Collection means" refers to a method or device for obtaining financial data from a user.

[0723] "Analytical tools" refers to methods and devices for analyzing collected financial data and understanding trends in income and expenses.

[0724] "Feedback" or "advice" is guidance or suggestions provided to the user based on the analysis results.

[0725] "Notification means" refers to a method or device for conveying generated feedback or advice to the user.

[0726] "Two-way communication capability" refers to a communication means that allows a user to submit questions and receive answers.

[0727] "Generative AI model" refers to an artificial intelligence model that automatically generates question and answer content.

[0728] "Real-time" refers to responses or processing at or very close to the moment a user takes an action.

[0729] This invention relates to a system that collects and analyzes users' financial data and provides feedback and advice. Specifically, it consists of three main components: a server, a terminal, and a user.

[0730] First, the server collects financial data from the user, including income and expenditure data from the user's use of the electronic payment system. The server automatically obtains this data through API and transmits the collected data to the terminal.

[0731] The device then performs an analysis based on the received data, which involves evaluating the user's past income and expenditure trends and deriving patterns for a specific period of time. It also takes into account factors such as the user's age and family structure, and generates optimal recommendations based on that.

[0732] Once the analysis is complete, the device generates feedback and advice based on the analysis. For example, it may generate positive feedback such as, "Your expenses this month are within budget. Keep it up." This feedback is then sent to the user via the server.

[0733] Users can also send questions using the two-way communication function. The server receives these questions and uses the generative AI model to generate appropriate answers. For example, if a user asks, "Do you have any specific advice for increasing savings?", the generative AI model will generate the answer, "I recommend setting a monthly savings amount and using automatic withdrawals," and notify the user.

[0734] The hardware and software used include a data acquisition point (usually an API), an analysis engine (including an AI module), and a notification system. Specifically, a common web framework (e.g., Flask) can be used for the API. AI analysis uses AI models such as Hugging Face's Transformers. The notification system uses the push notification function of a smartphone.

[0735] For example, when a user logs into the app and provides financial data, the server calls an API to collect the data, which is then passed to an on-device AI module that analyzes income and expenses over the past six months and generates optimal feedback.

[0736] An example of a prompt is:

[0737] If a user asks, "Do you have any specific advice for increasing savings?", the generative AI model will generate the answer, "To increase your savings, we recommend setting a monthly savings amount and using automatic withdrawals. It is also effective to review unnecessary subscriptions and use them to increase your savings."

[0738] In this way, the system provides users with real-time, specific financial management advice, helping to alleviate their financial worries.

[0739] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0740] Step 1:

[0741] The server collects the user's financial data through an electronic payment system by the user logging in to a smartphone app. This collection involves automatically obtaining the user's income and expenditure data using an API. The input data is the user's electronic payment history, and the output data is the financial data sent to the terminal in a structured format.

[0742] Step 2:

[0743] The terminal receives financial data sent from the server. The received data is first passed to an AI analysis module, which analyzes trends in income and expenditure data over the past six months. The input data is the collected financial data, and the output data is the analysis results showing income and expenditure patterns.

[0744] Step 3:

[0745] The device generates feedback and advice for the user based on the analysis results of the AI ​​analysis module. For example, it creates a positive message such as, "This month's expenses are within budget, so your savings are increasing." The input data is the analysis result of step 2, and the output data is the generated feedback message.

[0746] Step 4:

[0747] The generated feedback and advice are sent to the server, which then notifies the user using the smartphone's push notification function. The input data is the feedback message generated in step 3, and the output data is the message sent to the user's device.

[0748] Step 5:

[0749] Users can submit questions using the two-way communication feature within the app. For example, a user might ask, "Do you have any specific advice for increasing my savings?" The input data is the user's question, and the output data is the question sent to the server through the two-way communication channel.

[0750] Step 6:

[0751] The server passes the received user question to a generative AI model, which generates an answer in real time. The generative AI model generates optimal advice by taking into account the user's income and expenditure data, age, family composition, etc. The input data is the user's question and related financial data, and the output data is the generated answer.

[0752] Step 7:

[0753] The generated answer is notified to the user via the server. For example, specific advice such as "We recommend that you set a monthly savings amount and use automatic withdrawals" is sent to the user. The input data is the answer generated in step 6, and the output data is the advice notified to the user.

[0754] As described above, through the specific operations performed at each processing step, the system is able to grasp the user's financial situation in real time and provide appropriate feedback and advice.

[0755] 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.

[0756] This invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results. By combining it with an emotion engine, it is possible to respond according to the user's emotions. This allows users to manage their own financial situation with peace of mind and receive appropriate advice.

[0757] System configuration

[0758] The system includes the following main components:

[0759] 1. Server

[0760] 2. Terminal

[0761] 3. Users

[0762] 4. Emotion Engine

[0763] Program processing flow

[0764] 1. Data Collection

[0765] The server first collects the user's financial data, which includes retrieving data from the user's electronic payment system. When the user logs into the application, the server automatically collects the data via an API.

[0766] 2. Data Analysis

[0767] Once the data is collected, the on-device AI analyzes it to identify income and expenditure trends, compare them with historical data, and assess the user's financial situation, based on the user's age, family structure, and set goals.

[0768] 3. Feedback Generation

[0769] Based on the analysis results, the device generates appropriate feedback and advice for the user, including advice on how to manage expenses and save money. For example, positive feedback such as "Your expenses this month are within budget, so your savings are increasing" is provided.

[0770] 4. Notifications and Chat Features

[0771] The generated feedback and advice is sent to the user via the server, allowing the user to check their financial situation in real time. Users can also send specific questions using the two-way chat function. The server analyzes these questions and passes them to the AI ​​to generate appropriate answers. Users can receive answers instantly.

[0772] 5. Incorporating an Emotional Engine

[0773] Additionally, the emotion engine recognizes the user's emotions. This engine analyzes the user's input and behavior to understand their current emotional state. As a result, the feedback and advice can be tailored to the user's emotions. For example, if the user is feeling anxious, the engine will generate a particularly reassuring and positive message.

[0774] Specific examples

[0775] 1. Data Collection

[0776] User: "I log in to the app on my phone."

[0777] Server: "Call the API and get the user's income and expenditure data."

[0778] Server: "Send the collected data to the device."

[0779] 2. Data Analysis

[0780] Terminal: "Pass received data to AI module."

[0781] AI: "Analyze your income and expenditure patterns over the past six months."

[0782] AI: "Predict and compare spending needs based on family structure."

[0783] 3. Feedback Generation

[0784] Terminal: "Receives analysis results from AI and generates positive feedback and advice."

[0785] Device: "Generate a message saying, 'Your expenses are within budget this month. Keep it up.'"

[0786] Terminal: "Send the generated message to the server."

[0787] 4. Notifications and Chat Features

[0788] Server: "Notify the user of the generated feedback message."

[0789] User: "I want to be notified that I'm within my budget this month. Keep it up."

[0790] User: "I use the chat feature to ask, 'Do you have any specific tips for increasing my savings?'"

[0791] Server: "Receives the question and passes it to the AI ​​to generate an answer."

[0792] AI: "Generate the answer 'We recommend setting a monthly savings amount and setting up automatic withdrawals.'"

[0793] Server: "Send the generated answer to the user."

[0794] 5. Application of Emotion Engine

[0795] User: "I use the two-way chat feature to express my concerns."

[0796] Emotion engine: "Recognizes user concerns and instructs the AI ​​to generate reassuring messages."

[0797] AI: "Generate a message that says, 'Your efforts are paying off. Keep going and you'll get better results.'"

[0798] Server: "Send this message to the user."

[0799] This system allows users to understand their financial situation in real time and manage it with peace of mind. In addition, the introduction of an emotion engine enables flexible responses based on the user's emotions, making the system even more user-friendly.

[0800] The processing flow will be explained below.

[0801] Step 1:

[0802] The user logs in to the dedicated application.

[0803] User: "Log in to the dedicated application."

[0804] Step 2:

[0805] The server calls the API to collect financial data with the user's consent.

[0806] Server: "Call the API and get the user's income, expenses, and investment data."

[0807] Step 3:

[0808] The server temporarily stores the acquired financial data and transmits it to the user's terminal using a secure communication method.

[0809] Server: "Temporarily store the acquired financial data and send it to the device."

[0810] Step 4:

[0811] The data received by the device is passed to an AI module for analysis.

[0812] Terminal: "Pass received data to AI module."

[0813] Step 5:

[0814] AI analyzes patterns in income, expenditure, and investment data and compares them with the user's past data.

[0815] In-device AI: "Analyzes income and expense trends and compares them with historical data."

[0816] Step 6:

[0817] AI generates optimal feedback and advice based on the user's age, family structure, and goals.

[0818] In-device AI: "Generates feedback and advice tailored to the user's age, family structure, and goals."

[0819] Step 7:

[0820] The device receives feedback and advice generated by the AI ​​and translates it into positive expressions.

[0821] Terminal: "Transform feedback into positive language and frame your message."

[0822] Step 8:

[0823] The terminal sends the generated feedback and advice messages to the server.

[0824] Terminal: "Send the generated feedback message to the server."

[0825] Step 9:

[0826] The server sends notifications to the user based on the periodic feedback notification settings.

[0827] Server: "Send feedback notification to the user."

[0828] Step 10:

[0829] The user receives the feedback notification on the device and checks the content.

[0830] User: "Receive feedback notifications on your device and review them."

[0831] Step 11:

[0832] Users can use the two-way chat feature to submit specific questions.

[0833] User: "Use the two-way chat feature to send specific questions."

[0834] Step 12:

[0835] The server receives the user's question, analyzes it, and passes it to the AI ​​module.

[0836] Server: "Analyze the user's question and pass it to the AI ​​module."

[0837] Step 13:

[0838] The AI ​​generates appropriate answers to the user's questions and sends them back to the server.

[0839] AI: "Generate answers to user questions and send them back to the server."

[0840] Step 14:

[0841] The server sends the AI's answer to the user.

[0842] Server: "Send the AI's answer to the user."

[0843] Step 15:

[0844] The user checks the AI's answer on the device and asks the question again if necessary.

[0845] User: "Check the AI's answer on your device and send the question again if necessary."

[0846] Step 16:

[0847] The emotion engine analyzes the user's input and actions to recognize their current emotional state.

[0848] Emotion engine: "Analyzes user input and behavior to recognize emotional states."

[0849] Step 17:

[0850] When a user expresses anxiety or stress, the emotion engine detects that emotion.

[0851] Emotion engine: "Detects user anxiety and stress."

[0852] Step 18:

[0853] The emotion engine instructs the AI ​​to tailor its feedback and advice based on the user's emotional state.

[0854] Emotion engine: "Instructs the AI ​​to tailor its feedback and advice."

[0855] Step 19:

[0856] The AI ​​generates reassuring messages based on instructions from the emotion engine.

[0857] AI: "Generate a message that says, 'Your efforts are paying off. Keep going and you'll get better results.'"

[0858] Step 20:

[0859] The server sends this message to the user.

[0860] Server: "Send the generated reassuring message to the user."

[0861] Step 21:

[0862] Users receive feedback messages on their device that correspond to their emotions, helping them calm down.

[0863] User: "I get feedback messages on my device and it calms me down."

[0864] Example 2

[0865] 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."

[0866] While conventional financial management systems can analyze users' financial data and provide feedback and advice, they lack the ability to respond to users' emotional states and offer two-way real-time chat functionality. Even when users feel anxious, they may only receive standardized messages, resulting in an unsatisfactory user experience. Another problem is the difficulty of providing personalized advice based on individual user information such as age and family structure.

[0867] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[0868] In this invention, the server includes means for collecting financial data from the user, means for analyzing the collected financial data and analyzing trends in income and expenditure, and means for generating feedback and advice based on the analysis results, thereby making it possible to analyze the user's financial situation and provide appropriate and positive feedback and advice in real time.

[0869] The server also includes means for notifying the user of the generated feedback and advice, means for providing a two-way chat function that allows the user to send questions, means for recognizing the user's emotions and generating feedback and advice according to the emotions, and means for generating answers to the user's questions in real time, thereby enabling flexible responses according to the user's emotions and two-way communication in real time, thereby increasing user satisfaction.

[0870] Furthermore, it includes a means for generating optimal suggestions based on the user's age and family structure, allowing for more personalized support by providing individual advice tailored to the user's specific conditions and goals.

[0871] "User" means any person or entity that provides financial data and uses the System.

[0872] "Server" refers to a computer system that processes and stores data collected from users and provides the required services.

[0873] "Financial Data" means information relating to your financial affairs, such as your income, expenses, assets, and liabilities.

[0874] "Two-way chat function" refers to a function that allows users to communicate with the system in real time.

[0875] "Means for collecting" refers to a method or device for receiving and storing financial data from users.

[0876] "Means for analyzing" refers to a method or device for evaluating collected financial data and analyzing trends in income and expenses.

[0877] "Means for generating feedback and advice" refers to a method or device that generates information or advice to provide to a user based on the analysis results.

[0878] "Means for notifying" refers to a method or device for transmitting generated feedback or advice to the user.

[0879] "Means for recognizing emotions" refers to a method or device for determining and recognizing a user's emotional state from their input or behavior.

[0880] "Means for generating answers in real time" refers to a method or device that creates and provides appropriate answers instantly to questions from users.

[0881] "Means for converting feedback and advice into positive, encouraging language" refers to a method or device for converting the content of feedback or advice into positive, encouraging language.

[0882] This invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results. Furthermore, by combining it with an emotion engine, it is possible to respond according to the user's emotions. This allows users to manage their own financial situation with peace of mind and receive appropriate advice.

[0883] System configuration

[0884] The system includes the following main components:

[0885] 1. Server

[0886] 2. Terminal

[0887] 3. Users

[0888] 4. Emotion Engine

[0889] Data collection

[0890] When a user logs into the app on their smartphone, the server calls the API to retrieve the user's income and expenditure data. The server then sends that data to the device. Specifically, the following process takes place:

[0891] User: "Log in to the app on my smartphone"

[0892] Server: "Call the API and get the user's income and expense data."

[0893] Server: "Send collected data to the device"

[0894] Hardware used: Smartphone

[0895] Software used: Electronic payment systems, APIs

[0896] Data analysis

[0897] The device receives data from the server and passes it to the AI ​​module, which analyzes it. The AI ​​module analyzes income and expenditure patterns over the past six months and predicts necessary expenditures based on age and family composition. Specifically, the following process is performed:

[0898] Terminal: "Pass received data to AI module"

[0899] AI: "Analyze your income and spending patterns over the past six months"

[0900] AI: "Predict and compare spending needs based on family structure"

[0901] Hardware used: PC or server

[0902] Software used: AI analysis module

[0903] Feedback Generation

[0904] The device receives the analysis results from the AI ​​and generates positive feedback and advice. The generated message is sent to the server and notified to the user. Specifically, the following process is performed:

[0905] Device: "Receives analysis results from AI and generates positive feedback and advice."

[0906] Device: "Generate a message saying, 'You're within budget this month. Keep it up.'"

[0907] Terminal: "Send generated message to server"

[0908] Hardware used: Device (smartphone or PC)

[0909] Software used: Notification system

[0910] Notifications and chat features

[0911] The server sends the generated feedback message to the user's app. The user receives the notification and can send a question using the chat function if necessary. The server receives the question, passes it to the AI ​​to generate an answer, and notifies the user. Specifically, the following process is performed:

[0912] Server: "Notify the user of the generated feedback message"

[0913] User: "I want to be notified that 'You're within budget this month. Keep it up.'"

[0914] User: "Use the chat feature and ask, 'Do you have any specific tips for increasing my savings?'"

[0915] Server: "Receives questions, passes them to the AI, and generates answers."

[0916] AI: "Generate the answer 'We recommend setting a monthly savings amount and using automatic withdrawals.'"

[0917] Server: "Send the generated answer to the user"

[0918] Hardware used: Server, terminal

[0919] Software used: Real-time notification system, chatbot

[0920] Incorporating an emotion engine

[0921] It recognizes emotions from user input and behavior and generates feedback to provide a sense of security. The emotion engine recognizes the user's anxiety and instructs the AI ​​to generate positive messages accordingly. Specifically, the following process is performed:

[0922] User: "Express your concerns through two-way chat"

[0923] Emotion engine: "Recognizes user concerns and instructs the AI ​​to generate reassuring messages."

[0924] AI: "Generate a message that says, 'Your efforts are paying off. Keep going and you'll get better results.'"

[0925] Server: "Send this message to the user"

[0926] Hardware used: Emotion engine (e.g., emotion recognition hardware such as sensors)

[0927] Software used: Sentiment analysis software

[0928] Specific examples (prompt sentence examples)

[0929] 1. Data Collection

[0930] Automatically retrieve financial data based on your registered account information.

[0931] 2. Data Analysis

[0932] It analyzes the user's income and expenditure data from the past six months and provides spending forecasts based on family composition.

[0933] 3. Feedback Generation

[0934] Generate positive feedback messages that show your financial situation is good.

[0935] 4. Notifications and Chat Features

[0936] You asked how to increase your savings. Can you provide some specific advice?

[0937] 5. Incorporating an Emotional Engine

[0938] The user is feeling anxious. Create a positive message to reassure them.

[0939] As described above, the present invention provides a flexible response according to the user's emotions and individual financial situation, and helps the user manage their finances with peace of mind.

[0940] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0941] Step 1: User Login

[0942] User: "Log in to the app on my smartphone"

[0943] Input: "User ID and password"

[0944] Output: "Show home screen"

[0945] Specific behavior:

[0946] 1. The user launches the app on their smartphone and enters their user ID and password on the login screen.

[0947] 2. The server checks the entered ID and password, and if authentication is successful, displays the home screen.

[0948] Step 2: Data collection

[0949] Server: "Call the API and get the user's income and expense data."

[0950] Input: "User credentials"

[0951] Output: "Collected financial data"

[0952] Specific behavior:

[0953] 1. The server calls the API of the electronic payment system using the user's authentication information.

[0954] 2. The electronic payment system returns the user's past income and expenditure data.

[0955] 3. The server formats this data, extracts the necessary parts, and sends them to the terminal.

[0956] Step 3: Data analysis

[0957] Terminal: "Pass received data to AI module"

[0958] Input: "Collected Financial Data"

[0959] Output: "Income and expenditure trend analysis results"

[0960] Specific behavior:

[0961] 1. The terminal passes the financial data received from the server to the AI ​​module.

[0962] 2. The AI ​​module analyzes income and expenditure data for the past six months.

[0963] 3. The AI ​​module predicts necessary expenditures based on age and family composition and returns the analysis results to the device.

[0964] Step 4: Feedback generation

[0965] Device: "Receives analysis results from AI and generates positive feedback and advice."

[0966] Input: "Analysis results"

[0967] Output: "Feedback message"

[0968] Specific behavior:

[0969] 1. The device receives the analysis results from the AI ​​and generates a feedback message to provide to the user.

[0970] 2. For example, a message might be generated that reads, "This month's expenses are within budget. Let's keep it up."

[0971] 3. The generated message is sent to the server.

[0972] Step 5: Notifications and chat features

[0973] Server: "Notify the user of the generated feedback message"

[0974] Input: "Feedback message"

[0975] Output: "Notify user"

[0976] Specific behavior:

[0977] 1. The server notifies the user's app of the feedback message received from the device.

[0978] 2. The user receives a notification and checks the message.

[0979] 3. Users can submit questions using the chat function.

[0980] 4. The server receives the user's question and passes it to the AI ​​to generate an answer.

[0981] 5. The AI ​​module generates the best answer to the question and sends it back to the server.

[0982] 6. The server notifies the user's app of the generated answer.

[0983] Step 6: Incorporating the Emotion Engine

[0984] Emotion engine: "Recognizes user concerns and instructs the AI ​​to generate reassuring messages."

[0985] Input: "User's emotional state"

[0986] Output: "Feedback message based on emotion"

[0987] Specific behavior:

[0988] 1. The emotion engine recognizes emotions (e.g., anxiety) expressed by users within the app.

[0989] 2. The emotion engine instructs the AI ​​to generate reassuring feedback messages based on the user's emotional state.

[0990] 3. The AI ​​module receives instructions from the emotion engine and generates appropriate feedback messages.

[0991] 4. For example, a message might be generated that says, "Your efforts are paying off. If you keep going, you'll see even better results."

[0992] 5. The server sends the generated message to the user.

[0993] This series of processes allows users to grasp their financial situation in real time and manage it with peace of mind.In addition, the introduction of an emotion engine enables flexible responses based on the user's emotions, making the system even more user-friendly.

[0994] (Application example 2)

[0995] 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."

[0996] While conventional financial management systems can collect and analyze income and expenditure data, they lack the functionality to provide feedback and advice tailored to the user's emotional state. As a result, users often find it difficult to receive appropriate support even when they feel anxious about their financial situation, resulting in poor financial management. The present invention aims to solve this problem and enable users to manage their finances with peace of mind.

[0997] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for collecting financial data from the user, means for analyzing the collected financial data and analyzing income and expenditure trends, and means for generating feedback and advice based on the analysis results. This makes it possible to analyze the user's financial situation in real time and provide appropriate feedback and advice. Furthermore, by analyzing the user's emotions using an emotion engine and adjusting the content of the feedback and advice according to the emotions, it is possible to provide the user with a sense of security and more effectively support financial management.

[0998] "User" refers to an entity that uses the system to manage financial data and receive feedback.

[0999] "Financial Data" is a general term for information regarding a user's income, expenses, savings, investments, etc.

[1000] "Means of collection" refers to the mechanism for electronically obtaining a user's financial data, and may use methods such as API connections.

[1001] "Analytical means" refers to the algorithms and processes used to analyze collected financial data and analyze trends in income and expenditures.

[1002] The "means for generating feedback and advice" is a means having a function for automatically generating appropriate suggestions and advice for the user based on the analysis results.

[1003] "Means for notification" refers to a mechanism for electronically notifying the user of generated feedback or advice, including push notifications and emails.

[1004] A "means for providing two-way chat functionality" is something that provides an interface for users to interact with the system, submit questions, and receive answers in real time.

[1005] "Means for generating answers in real time" refers to an algorithm that responds immediately to questions from users and generates appropriate answers.

[1006] "Emotion analysis means" refers to technology for detecting and analyzing a user's emotions, and uses methods such as text analysis and tone of voice analysis.

[1007] The "means for adjusting the content of feedback and advice" has a function of changing the expression and content of feedback and advice based on the emotion analysis results to match the emotional state of the user.

[1008] The present invention provides a system that collects and analyzes a user's financial data, provides appropriate feedback and advice, and responds according to the user's emotions using an emotion engine. This system includes a server, a terminal, and a user interface. A specific embodiment of the system is described below.

[1009] System configuration

[1010] Hardware and Software

[1011] Hardware: Smartphone

[1012] software:

[1013] API: The API used to collect financial data (e.g., Financial Data API)

[1014] Emotion Engine: EmotionEngine module (used to analyze user emotions)

[1015] Data Analysis Module: AIAdvisor module (used to analyze financial data and generate advice)

[1016] System Operation

[1017] 1. Data Collection

[1018] The server collects financial data with the user's permission through the user's smartphone application, using an API to obtain data such as the user's income, expenses, and savings.

[1019] 2. Data Analysis

[1020] The server passes the collected data to a data analysis module (AIAdvisor), which analyzes past income and expenditure patterns to assess the user's financial situation. Based on this assessment, it generates specific advice and feedback.

[1021] 3. Generating feedback and advice

[1022] The generated feedback and advice is sent to the user via push notifications, emails, etc. For example, a message such as "Your spending this month is within budget. Keep it up."

[1023] 4. Two-way chat function

[1024] Users can use a smartphone application to send questions to the system. The server receives these questions in real time and passes them to a data analysis module to generate answers. For example, if a user asks, "Do you have any specific advice for increasing savings?", the system generates the answer, "I recommend setting a monthly savings amount and using automatic withdrawals."

[1025] 5. Application of Emotion Engine

[1026] The Emotion Engine analyzes the user's input and behavior to understand their current emotional state. Based on this, it adjusts the feedback and advice it provides. For example, if the user is feeling anxious, it generates a positive message that is particularly reassuring. Specifically, it provides a message like, "Your efforts are paying off. If you keep at it, you'll get even better results."

[1027] Specific examples

[1028] Example 1:

[1029] User: "I'm worried about my recent expenses."

[1030] Application: "Your expenses seem to be increasing, but other expenses are being cut. Let's start by reviewing your spending on essentials and see how much you have left over."

[1031] Example 2:

[1032] User: "I'm having trouble saving money."

[1033] Application: "I recommend setting a fixed monthly savings amount and automatically allocating it. This will help you avoid overspending."

[1034] Prompt Sentence Examples

[1035] Prompt: "Parse the emotional financial comments entered by the user in the following format and generate appropriate feedback: [User Input]: {User Input Data} [Feedback]: {Feedback}"

[1036] This system allows users to understand their financial situation in real time and manage it with peace of mind. In addition, the introduction of an emotion engine enables flexible responses based on the user's emotions, making the system even more user-friendly.

[1037] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1038] Step 1:

[1039] A user logs in to a smartphone application. When the user logs in to the application, the server authenticates the user and, after authentication is complete, begins collecting financial data with the user's permission. The input is the user's login information and authentication token, and the output is the authenticated user's financial data. The financial data is obtained via an API and includes information such as income, expenses, and savings.

[1040] Step 2:

[1041] The server sends the collected financial data to a data analysis module (AIAdvisor). The input data is the collected financial data, and the output is the analysis results. AIAdvisor analyzes past income and expenditure patterns to assess the user's current financial situation. In doing so, it identifies income and expenditure trends and detects abnormal income and expenses.

[1042] Step 3:

[1043] The server uses the analysis results obtained from AIAdvisor to generate feedback and advice. The input is the analysis results, and the output is feedback and advice messages. For example, the server generates a message such as, "This month's expenses are within budget. Let's keep it up."

[1044] Step 4:

[1045] The server notifies the user of the generated feedback and advice via a smartphone application. The input data are the generated feedback and advice messages, and the output is a notification displayed on the user side, allowing the user to check their financial situation in real time.

[1046] Step 5:

[1047] A user uses the two-way chat feature to submit a specific question. The input data is the question from the user, and the output is a confirmation of receipt by the server. For example, a user might ask, "Do you have any specific advice for increasing my savings?"

[1048] Step 6:

[1049] The server passes the received question to the data analysis module, which generates an answer in real time. The input data is the question from the user, and the output is the answer from the analysis module. For example, the generated advice might be, "We recommend that you set a monthly savings amount and use automatic withdrawal."

[1050] Step 7:

[1051] The server notifies the user of the generated answer via a smartphone application. The input data is the generated answer, and the output is a notification displayed on the user's side. The user can get the answer immediately.

[1052] Step 8:

[1053] The Emotion Engine analyzes the user's input and behavior to detect their emotional state. The input data is the user's text input or behavioral data, and the output is a label for the emotional state (e.g., anxious, relieved). If the user is feeling anxious, the Emotion Engine will detect that state.

[1054] Step 9:

[1055] The server adjusts the content of the feedback and advice based on the detected emotional state. The input data is the output of the emotion engine and the generated feedback and advice, and the output is the adjusted feedback and advice. For example, if the user is feeling anxious, a reassuring message such as "Your efforts are paying off. If you keep going, you will get even better results" is generated.

[1056] Step 10:

[1057] The server then sends the user feedback and advice after the adjustment via a smartphone application. The input data is the feedback and advice after the adjustment, and the output is a notification displayed on the user's side. This allows the user to receive positive feedback and continue managing their finances with peace of mind.

[1058] 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.

[1059] 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.

[1060] 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.

[1061] [Third embodiment]

[1062] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[1063] 5, the data processing system 310 includes the data processing device 12 and a headset terminal 314. An example of the data processing device 12 is a server.

[1064] 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).

[1065] 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.

[1066] 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.

[1067] 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).

[1068] 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. 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.

[1069] 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.

[1070] 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.

[1071] 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.

[1072] 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.

[1073] 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."

[1074] The present invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results, helping users to eliminate anxiety about their income and expenses and to better manage their finances.

[1075] System configuration

[1076] The system includes the following main components:

[1077] 1. Server

[1078] 2. Terminal

[1079] 3. Users

[1080] Program processing flow

[1081] 1. Data Collection

[1082] The server first collects the user's financial data, which includes retrieving data from the user's electronic payment system. When the user logs into the application, the server automatically collects the data via an API.

[1083] 2. Data Analysis

[1084] Once the data is collected, the on-device AI analyzes it to identify income and expenditure trends, compare them with historical data, and assess the user's financial situation, based on the user's age, family structure, and set goals.

[1085] 3. Feedback Generation

[1086] Based on the analysis results, the device generates appropriate feedback and advice for the user, including advice on how to manage expenses and save money. For example, positive feedback such as "Your expenses this month are within budget, so your savings are increasing" is provided.

[1087] 4. Notifications and Chat Features

[1088] The generated feedback and advice is sent to the user via the server, allowing the user to check their financial situation in real time. Users can also send specific questions using the two-way chat function. The server analyzes these questions and passes them to the AI ​​to generate appropriate answers. Users can receive answers instantly.

[1089] Specific examples

[1090] 1. Data Collection

[1091] User: "I log in to the app on my phone."

[1092] Server: "Call the API and get the user's income and expenditure data."

[1093] Server: "Send the collected data to the device."

[1094] 2. Data Analysis

[1095] Terminal: "Pass received data to AI module."

[1096] AI: "Analyze your income and expenditure patterns over the past six months."

[1097] AI: "Predict and compare spending needs based on family structure."

[1098] 3. Feedback Generation

[1099] Terminal: "Receives analysis results from AI and generates positive feedback and advice."

[1100] Device: "Generate a message saying, 'Your expenses are within budget this month. Keep it up.'"

[1101] Terminal: "Send the generated message to the server."

[1102] 4. Notifications and Chat Features

[1103] Server: "Notify the user of the generated feedback message."

[1104] User: "I want to be notified that I'm within my budget this month. Keep it up."

[1105] User: "I use the chat feature to ask, 'Do you have any specific tips for increasing my savings?'"

[1106] Server: "Receives the question and passes it to the AI ​​to generate an answer."

[1107] AI: "Generate the answer 'We recommend setting a monthly savings amount and setting up automatic withdrawals.'"

[1108] Server: "Send the generated answer to the user."

[1109] This system allows users to understand their financial situation in real time and manage it with peace of mind, while positive feedback increases motivation and enables sustainable financial management.

[1110] The processing flow will be explained below.

[1111] Step 1:

[1112] The user logs in to the dedicated application.

[1113] User: "Log in to the dedicated application."

[1114] Step 2:

[1115] The server calls the API to collect financial data with the user's consent.

[1116] Server: "Call the API and get the user's income, expenses, and investment data."

[1117] Step 3:

[1118] The server temporarily stores the acquired financial data and transmits it to the user's terminal using a secure communication method.

[1119] Server: "Temporarily store the acquired financial data and send it to the device."

[1120] Step 4:

[1121] The data received by the device is passed to an AI module for analysis.

[1122] Terminal: "Pass received data to AI module."

[1123] Step 5:

[1124] AI analyzes patterns in income, expenditure, and investment data and compares them with the user's past data.

[1125] In-device AI: "Analyzes income and expense trends and compares them with historical data."

[1126] Step 6:

[1127] AI generates optimal feedback and advice based on the user's age, family structure, and goals.

[1128] In-device AI: "Generates feedback and advice tailored to the user's age, family structure, and goals."

[1129] Step 7:

[1130] The device receives feedback and advice generated by the AI ​​and translates it into positive expressions.

[1131] Terminal: "Transform feedback into positive language and frame your message."

[1132] Step 8:

[1133] The terminal sends the generated feedback and advice messages to the server.

[1134] Terminal: "Send the generated feedback message to the server."

[1135] Step 9:

[1136] The server sends notifications to the user based on the periodic feedback notification settings.

[1137] Server: "Send feedback notification to the user."

[1138] Step 10:

[1139] The user receives the feedback notification on the device and checks the content.

[1140] User: "Receive feedback notifications on your device and review them."

[1141] Step 11:

[1142] Users can use the two-way chat feature to submit specific questions.

[1143] User: "Use the two-way chat feature to send specific questions."

[1144] Step 12:

[1145] The server receives the user's question, analyzes it, and passes it to the AI ​​module.

[1146] Server: "Analyze the user's question and pass it to the AI ​​module."

[1147] Step 13:

[1148] The AI ​​generates appropriate answers to the user's questions and sends them back to the server.

[1149] AI: "Generate answers to user questions and send them back to the server."

[1150] Step 14:

[1151] The server sends the AI's answer to the user.

[1152] Server: "Send the AI's answer to the user."

[1153] Step 15:

[1154] The user checks the AI's answer on the device and asks the question again if necessary.

[1155] User: "Check the AI's answer on your device and send the question again if necessary."

[1156] Example 1

[1157] 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."

[1158] Currently, in order for users to understand their financial situation and receive appropriate feedback and advice, they must manually enter a large amount of information and analyze that data. Furthermore, it is difficult to obtain specific advice in real time through two-way communication, making it difficult to achieve efficient financial management. This poses a challenge, as it can make users feel anxious and stressed about their financial management.

[1159] 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.

[1160] In this invention, the server includes means for collecting financial data from a user, means for analyzing the collected financial data and analyzing income and expenditure trends, means for generating feedback and advice based on the analysis results, means for notifying the user of the generated feedback and advice, means for providing a two-way chat function that allows the user to submit questions, means for generating answers to the user's questions in real time, means for transmitting the collected data to a terminal, means for the terminal to pass the received data to an AI module, means for the AI ​​module to analyze income and expenditure patterns, means for the terminal to generate feedback and advice based on the analysis results of the AI ​​module, means for the terminal to transmit the generated feedback and advice to the server, and means for the server to transmit the generated answers to the user, thereby enabling the user to grasp their own financial situation in real time and receive appropriate and specific advice.

[1161] "User" refers to any individual or corporation that uses this system.

[1162] "Financial Data" means data relating to a User's financial transactions, such as income, expenses, savings, and investments.

[1163] "Collection Methods" refers to the hardware and software methods necessary to obtain your Financial Data.

[1164] "Analytical tools" refers to the algorithms and techniques used to analyze collected financial data and identify trends in income and expenses.

[1165] "Feedback" means opinions or information provided to users based on the results of the analysis.

[1166] "Advice" means specific suggestions or instructions for improving a user's financial situation.

[1167] "Means for notifying" refers to a method for informing the user of the generated feedback and advice.

[1168] "Two-way chat functionality" means functionality that enables a User to exchange messages with the System in real time.

[1169] "Real-time answer generation means" refers to technologies and algorithms for providing instantaneous responses to user questions.

[1170] "Terminal" refers to a device for receiving, analyzing and processing financial data transmitted from the server.

[1171] "AI Module" means a software component that analyzes data using machine learning or artificial intelligence.

[1172] The present invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results, helping users to eliminate anxiety about their income and expenses and to better manage their finances.

[1173] System Overview

[1174] The basic components of the system are:

[1175] server

[1176] Terminal

[1177] User

[1178] AI Module

[1179] Users access the system through devices such as smartphones and PCs. When a user logs in to the application, the server automatically collects the user's income and expenditure data via the API of the electronic payment system and sends it to the device.

[1180] Data collection

[1181] The server calls an API to collect the user's financial data the moment the user logs in. To ensure security, the server uses an authentication protocol such as OAuth. For example, when a user logs in to a banking app, the server uses the bank's API to obtain income and expense data.

[1182] Data analysis

[1183] The collected data is sent to the device, where it is analyzed by an AI module on the device. The AI ​​module uses machine learning algorithms to analyze income and expenditure patterns by comparing them with past data. It also predicts necessary expenses based on the user's age and family composition. For example, if the user has a family of three, it will analyze data from the past six months and predict necessary expenses such as food and education.

[1184] Feedback Generation

[1185] Based on the analysis results, the terminal generates appropriate feedback and advice for the user. For example, it may generate a message saying, "This month's expenses are within budget. Keep it up." This generated message is sent to the server, which then notifies the user.

[1186] Notifications and chat features

[1187] The generated feedback and advice are notified to the user via the server. The user receives this as a push notification on their smartphone or an in-app message. Users can also send specific questions using the two-way chat function. For example, if a user asks, "Do you have any specific advice for increasing savings?", the server passes the question to the AI, which generates an appropriate answer. The AI ​​generates an answer such as, "I recommend setting a monthly savings amount and using automatic withdrawals," and notifies the user via the server.

[1188] Specific examples

[1189] Data collection

[1190] User: "I log in to the app on my phone."

[1191] Server: "Call the API and get the user's income and expenditure data."

[1192] Server: "Send the collected data to the device."

[1193] Data analysis

[1194] Terminal: "Pass received data to AI module."

[1195] AI: "Analyze your income and expenditure patterns over the past six months."

[1196] AI: "Predict and compare spending needs based on family structure."

[1197] Feedback Generation

[1198] Terminal: "Receives analysis results from AI and generates positive feedback and advice."

[1199] Device: "Generate a message saying, 'Your expenses are within budget this month. Keep it up.'"

[1200] Terminal: "Send the generated message to the server."

[1201] Notifications and chat features

[1202] Server: "Notify the user of the generated feedback message."

[1203] User: "I want to be notified that I'm within my budget this month. Keep it up."

[1204] User: "I use the chat feature to ask, 'Do you have any specific tips for increasing my savings?'"

[1205] Server: "Receives the question and passes it to the AI ​​to generate an answer."

[1206] AI: "Generate the answer 'We recommend setting a monthly savings amount and setting up automatic withdrawals.'"

[1207] Server: "Send the generated answer to the user."

[1208] This system allows users to understand their financial situation in real time and receive appropriate and specific advice, which is a powerful tool to reduce users' anxiety about financial management and help them live their daily lives with peace of mind.

[1209] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1210] Step 1:

[1211] The server detects when a user logs into the smartphone app. Using this as input, the server calls the API of an electronic payment system (e.g., bank account or credit card) to collect the user's income and expenditure data. The collected financial data is then stored in the server's internal database.

[1212] Step 2:

[1213] The server sends the collected financial data to the device. Specifically, it uses an encrypted protocol (e.g., HTTPS) to transfer the user's income and expenditure data to the device, which then obtains the data necessary for analysis.

[1214] Step 3:

[1215] The terminal passes the financial data received from the server to the AI ​​module. In this process, the terminal formats the received data and converts it into a format that the AI ​​module can easily understand. The converted data is then input into the AI ​​module.

[1216] Step 4:

[1217] The AI ​​module takes financial data as input and analyzes income and expenditure patterns over the past six months. Specifically, it uses machine learning algorithms to cleanse the data, extract features, and recognize patterns. The results of this analysis are used as the basis for assessing the user's financial situation.

[1218] Step 5:

[1219] The AI ​​module takes into account additional information such as the user's age, family structure, and set goals to predict income and expenditure balances and necessary expenditures. This data processing and calculation produces more accurate analysis results, which are then output to the device.

[1220] Step 6:

[1221] The device generates feedback and advice for the user based on the analysis results received from the AI ​​module. During this generation process, a message such as "Your expenses this month are within budget. Keep it up." The generated message is stored on the device as feedback data.

[1222] Step 7:

[1223] The terminal sends the generated feedback and advice to the server, which then prepares the received feedback for notification to the user. This process includes formatting, encoding, and encryption of the feedback data.

[1224] Step 8:

[1225] The server notifies the user of the generated feedback message in real time as a push notification or an in-app message on their smartphone. The user receives the notification on their device and checks the feedback content.

[1226] Step 9:

[1227] Using the two-way chat function, users can send specific questions to the system, such as, "Do you have any specific advice for increasing my savings?" This question is sent to the server as chat data.

[1228] Step 10:

[1229] The server passes the question received from the user to the AI ​​module, which starts the process of generating an answer. The AI ​​module analyzes the content of the question and generates an appropriate answer. For example, it might generate an answer such as, "We recommend that you set a monthly savings amount and use automatic withdrawal."

[1230] Step 11:

[1231] The answer generated by the AI ​​module is returned to the server, which formats and encodes the data to provide the answer to the user in a user-friendly format.

[1232] Step 12:

[1233] The server then sends the generated answers to the user, who can then review the answers on their device and receive specific advice. This process allows users to receive practical advice on financial management in real time.

[1234] (Application example 1)

[1235] 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."

[1236] Conventional financial management systems have had problems such as the time and effort required for users to manually input income and expenditure data, and delays in providing feedback.In addition, they do not provide advice that fully takes into account the specific circumstances of each individual user, making it difficult to carry out effective financial management.

[1237] 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.

[1238] In this invention, the server includes means for collecting financial data from a user, means for analyzing the collected financial data and analyzing income and expenditure trends, means for generating feedback and advice based on the analysis results, means for notifying the user of the generated feedback and advice, means for providing a two-way communication function that allows the user to submit questions, means for using a generative AI model to generate questions and answers, and means for notifying the user of the generated answers, thereby enabling the user to grasp their financial situation in real time and receive specific and effective financial management advice.

[1239] "Financial Data" refers to information about a user's economic activities, such as income, expenditure, savings, and investments.

[1240] "Collection means" refers to a method or device for obtaining financial data from a user.

[1241] "Analytical tools" refers to methods and devices for analyzing collected financial data and understanding trends in income and expenses.

[1242] "Feedback" or "advice" is guidance or suggestions provided to the user based on the analysis results.

[1243] "Notification means" refers to a method or device for conveying generated feedback or advice to the user.

[1244] "Two-way communication capability" refers to a communication means that allows a user to submit questions and receive answers.

[1245] "Generative AI model" refers to an artificial intelligence model that automatically generates question and answer content.

[1246] "Real-time" refers to responses or processing at or very close to the moment a user takes an action.

[1247] This invention relates to a system that collects and analyzes users' financial data and provides feedback and advice. Specifically, it consists of three main components: a server, a terminal, and a user.

[1248] First, the server collects financial data from the user, including income and expenditure data from the user's use of the electronic payment system. The server automatically obtains this data through API and transmits the collected data to the terminal.

[1249] The device then performs an analysis based on the received data, which involves evaluating the user's past income and expenditure trends and deriving patterns for a specific period of time. It also takes into account factors such as the user's age and family structure, and generates optimal recommendations based on that.

[1250] Once the analysis is complete, the device generates feedback and advice based on the analysis. For example, it may generate positive feedback such as, "Your expenses this month are within budget. Keep it up." This feedback is then sent to the user via the server.

[1251] Users can also send questions using the two-way communication function. The server receives these questions and uses the generative AI model to generate appropriate answers. For example, if a user asks, "Do you have any specific advice for increasing savings?", the generative AI model will generate the answer, "I recommend setting a monthly savings amount and using automatic withdrawals," and notify the user.

[1252] The hardware and software used include a data acquisition point (usually an API), an analysis engine (including an AI module), and a notification system. Specifically, a common web framework (e.g., Flask) can be used for the API. AI analysis uses AI models such as Hugging Face's Transformers. The notification system uses the push notification function of a smartphone.

[1253] For example, when a user logs into the app and provides financial data, the server calls an API to collect the data, which is then passed to an on-device AI module that analyzes income and expenses over the past six months and generates optimal feedback.

[1254] An example of a prompt is:

[1255] If a user asks, "Do you have any specific advice for increasing savings?", the generative AI model will generate the answer, "To increase your savings, we recommend setting a monthly savings amount and using automatic withdrawals. It is also effective to review unnecessary subscriptions and use them to increase your savings."

[1256] In this way, the system provides users with real-time, specific financial management advice, helping to alleviate their financial worries.

[1257] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1258] Step 1:

[1259] The server collects the user's financial data through an electronic payment system by the user logging in to a smartphone app. This collection involves automatically obtaining the user's income and expenditure data using an API. The input data is the user's electronic payment history, and the output data is the financial data sent to the terminal in a structured format.

[1260] Step 2:

[1261] The terminal receives financial data sent from the server. The received data is first passed to an AI analysis module, which analyzes trends in income and expenditure data over the past six months. The input data is the collected financial data, and the output data is the analysis results showing income and expenditure patterns.

[1262] Step 3:

[1263] The device generates feedback and advice for the user based on the analysis results of the AI ​​analysis module. For example, it creates a positive message such as, "This month's expenses are within budget, so your savings are increasing." The input data is the analysis result of step 2, and the output data is the generated feedback message.

[1264] Step 4:

[1265] The generated feedback and advice are sent to the server, which then notifies the user using the smartphone's push notification function. The input data is the feedback message generated in step 3, and the output data is the message sent to the user's device.

[1266] Step 5:

[1267] Users can submit questions using the two-way communication feature within the app. For example, a user might ask, "Do you have any specific advice for increasing my savings?" The input data is the user's question, and the output data is the question sent to the server through the two-way communication channel.

[1268] Step 6:

[1269] The server passes the received user question to a generative AI model, which generates an answer in real time. The generative AI model generates optimal advice by taking into account the user's income and expenditure data, age, family composition, etc. The input data is the user's question and related financial data, and the output data is the generated answer.

[1270] Step 7:

[1271] The generated answer is notified to the user via the server. For example, specific advice such as "We recommend that you set a monthly savings amount and use automatic withdrawals" is sent to the user. The input data is the answer generated in step 6, and the output data is the advice notified to the user.

[1272] As described above, through the specific operations performed at each processing step, the system is able to grasp the user's financial situation in real time and provide appropriate feedback and advice.

[1273] 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.

[1274] This invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results. By combining it with an emotion engine, it is possible to respond according to the user's emotions. This allows users to manage their own financial situation with peace of mind and receive appropriate advice.

[1275] System configuration

[1276] The system includes the following main components:

[1277] 1. Server

[1278] 2. Terminal

[1279] 3. Users

[1280] 4. Emotion Engine

[1281] Program processing flow

[1282] 1. Data Collection

[1283] The server first collects the user's financial data, which includes retrieving data from the user's electronic payment system. When the user logs into the application, the server automatically collects the data via an API.

[1284] 2. Data Analysis

[1285] Once the data is collected, the on-device AI analyzes it to identify income and expenditure trends, compare them with historical data, and assess the user's financial situation, based on the user's age, family structure, and set goals.

[1286] 3. Feedback Generation

[1287] Based on the analysis results, the device generates appropriate feedback and advice for the user, including advice on how to manage expenses and save money. For example, positive feedback such as "Your expenses this month are within budget, so your savings are increasing" is provided.

[1288] 4. Notifications and Chat Features

[1289] The generated feedback and advice is sent to the user via the server, allowing the user to check their financial situation in real time. Users can also send specific questions using the two-way chat function. The server analyzes these questions and passes them to the AI ​​to generate appropriate answers. Users can receive answers instantly.

[1290] 5. Incorporating an Emotional Engine

[1291] Additionally, the emotion engine recognizes the user's emotions. This engine analyzes the user's input and behavior to understand their current emotional state. As a result, the feedback and advice can be tailored to the user's emotions. For example, if the user is feeling anxious, the engine will generate a particularly reassuring and positive message.

[1292] Specific examples

[1293] 1. Data Collection

[1294] User: "I log in to the app on my phone."

[1295] Server: "Call the API and get the user's income and expenditure data."

[1296] Server: "Send the collected data to the device."

[1297] 2. Data Analysis

[1298] Terminal: "Pass received data to AI module."

[1299] AI: "Analyze your income and expenditure patterns over the past six months."

[1300] AI: "Predict and compare spending needs based on family structure."

[1301] 3. Feedback Generation

[1302] Terminal: "Receives analysis results from AI and generates positive feedback and advice."

[1303] Device: "Generate a message saying, 'Your expenses are within budget this month. Keep it up.'"

[1304] Terminal: "Send the generated message to the server."

[1305] 4. Notifications and Chat Features

[1306] Server: "Notify the user of the generated feedback message."

[1307] User: "I want to be notified that I'm within my budget this month. Keep it up."

[1308] User: "I use the chat feature to ask, 'Do you have any specific tips for increasing my savings?'"

[1309] Server: "Receives the question and passes it to the AI ​​to generate an answer."

[1310] AI: "Generate the answer 'We recommend setting a monthly savings amount and setting up automatic withdrawals.'"

[1311] Server: "Send the generated answer to the user."

[1312] 5. Application of Emotion Engine

[1313] User: "I use the two-way chat feature to express my concerns."

[1314] Emotion engine: "Recognizes user concerns and instructs the AI ​​to generate reassuring messages."

[1315] AI: "Generate a message that says, 'Your efforts are paying off. Keep going and you'll get better results.'"

[1316] Server: "Send this message to the user."

[1317] This system allows users to understand their financial situation in real time and manage it with peace of mind. In addition, the introduction of an emotion engine enables flexible responses based on the user's emotions, making the system even more user-friendly.

[1318] The processing flow will be explained below.

[1319] Step 1:

[1320] The user logs in to the dedicated application.

[1321] User: "Log in to the dedicated application."

[1322] Step 2:

[1323] The server calls the API to collect financial data with the user's consent.

[1324] Server: "Call the API and get the user's income, expenses, and investment data."

[1325] Step 3:

[1326] The server temporarily stores the acquired financial data and transmits it to the user's terminal using a secure communication method.

[1327] Server: "Temporarily store the acquired financial data and send it to the device."

[1328] Step 4:

[1329] The data received by the device is passed to an AI module for analysis.

[1330] Terminal: "Pass received data to AI module."

[1331] Step 5:

[1332] AI analyzes patterns in income, expenditure, and investment data and compares them with the user's past data.

[1333] In-device AI: "Analyzes income and expense trends and compares them with historical data."

[1334] Step 6:

[1335] AI generates optimal feedback and advice based on the user's age, family structure, and goals.

[1336] In-device AI: "Generates feedback and advice tailored to the user's age, family structure, and goals."

[1337] Step 7:

[1338] The device receives feedback and advice generated by the AI ​​and translates it into positive expressions.

[1339] Terminal: "Transform feedback into positive language and frame your message."

[1340] Step 8:

[1341] The terminal sends the generated feedback and advice messages to the server.

[1342] Terminal: "Send the generated feedback message to the server."

[1343] Step 9:

[1344] The server sends notifications to the user based on the periodic feedback notification settings.

[1345] Server: "Send feedback notification to the user."

[1346] Step 10:

[1347] The user receives the feedback notification on the device and checks the content.

[1348] User: "Receive feedback notifications on your device and review them."

[1349] Step 11:

[1350] Users can use the two-way chat feature to submit specific questions.

[1351] User: "Use the two-way chat feature to send specific questions."

[1352] Step 12:

[1353] The server receives the user's question, analyzes it, and passes it to the AI ​​module.

[1354] Server: "Analyze the user's question and pass it to the AI ​​module."

[1355] Step 13:

[1356] The AI ​​generates appropriate answers to the user's questions and sends them back to the server.

[1357] AI: "Generate answers to user questions and send them back to the server."

[1358] Step 14:

[1359] The server sends the AI's answer to the user.

[1360] Server: "Send the AI's answer to the user."

[1361] Step 15:

[1362] The user checks the AI's answer on the device and asks the question again if necessary.

[1363] User: "Check the AI's answer on your device and send the question again if necessary."

[1364] Step 16:

[1365] The emotion engine analyzes the user's input and actions to recognize their current emotional state.

[1366] Emotion engine: "Analyzes user input and behavior to recognize emotional states."

[1367] Step 17:

[1368] When a user expresses anxiety or stress, the emotion engine detects that emotion.

[1369] Emotion engine: "Detects user anxiety and stress."

[1370] Step 18:

[1371] The emotion engine instructs the AI ​​to tailor its feedback and advice based on the user's emotional state.

[1372] Emotion engine: "Instructs the AI ​​to tailor its feedback and advice."

[1373] Step 19:

[1374] The AI ​​generates reassuring messages based on instructions from the emotion engine.

[1375] AI: "Generate a message that says, 'Your efforts are paying off. Keep going and you'll get better results.'"

[1376] Step 20:

[1377] The server sends this message to the user.

[1378] Server: "Send the generated reassuring message to the user."

[1379] Step 21:

[1380] Users receive feedback messages on their device that correspond to their emotions, helping them calm down.

[1381] User: "I get feedback messages on my device and it calms me down."

[1382] Example 2

[1383] 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."

[1384] While conventional financial management systems can analyze users' financial data and provide feedback and advice, they lack the ability to respond to users' emotional states and offer two-way real-time chat functionality. Even when users feel anxious, they may only receive standardized messages, resulting in an unsatisfactory user experience. Another problem is the difficulty of providing personalized advice based on individual user information such as age and family structure.

[1385] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[1386] In this invention, the server includes means for collecting financial data from the user, means for analyzing the collected financial data and analyzing trends in income and expenditure, and means for generating feedback and advice based on the analysis results, thereby making it possible to analyze the user's financial situation and provide appropriate and positive feedback and advice in real time.

[1387] The server also includes means for notifying the user of the generated feedback and advice, means for providing a two-way chat function that allows the user to send questions, means for recognizing the user's emotions and generating feedback and advice according to the emotions, and means for generating answers to the user's questions in real time, thereby enabling flexible responses according to the user's emotions and two-way communication in real time, thereby increasing user satisfaction.

[1388] Furthermore, it includes a means for generating optimal suggestions based on the user's age and family structure, allowing for more personalized support by providing individual advice tailored to the user's specific conditions and goals.

[1389] "User" means any person or entity that provides financial data and uses the System.

[1390] "Server" refers to a computer system that processes and stores data collected from users and provides the required services.

[1391] "Financial Data" means information relating to your financial affairs, such as your income, expenses, assets, and liabilities.

[1392] "Two-way chat function" refers to a function that allows users to communicate with the system in real time.

[1393] "Means for collecting" refers to a method or device for receiving and storing financial data from users.

[1394] "Means for analyzing" refers to a method or device for evaluating collected financial data and analyzing trends in income and expenses.

[1395] "Means for generating feedback and advice" refers to a method or device that generates information or advice to provide to a user based on the analysis results.

[1396] "Means for notifying" refers to a method or device for transmitting generated feedback or advice to the user.

[1397] "Means for recognizing emotions" refers to a method or device for determining and recognizing a user's emotional state from their input or behavior.

[1398] "Means for generating answers in real time" refers to a method or device that creates and provides appropriate answers instantly to questions from users.

[1399] "Means for converting feedback and advice into positive, encouraging language" refers to a method or device for converting the content of feedback or advice into positive, encouraging language.

[1400] This invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results. Furthermore, by combining it with an emotion engine, it is possible to respond according to the user's emotions. This allows users to manage their own financial situation with peace of mind and receive appropriate advice.

[1401] System configuration

[1402] The system includes the following main components:

[1403] 1. Server

[1404] 2. Terminal

[1405] 3. Users

[1406] 4. Emotion Engine

[1407] Data collection

[1408] When a user logs into the app on their smartphone, the server calls the API to retrieve the user's income and expenditure data. The server then sends that data to the device. Specifically, the following process takes place:

[1409] User: "Log in to the app on my smartphone"

[1410] Server: "Call the API and get the user's income and expense data."

[1411] Server: "Send collected data to the device"

[1412] Hardware used: Smartphone

[1413] Software used: Electronic payment systems, APIs

[1414] Data analysis

[1415] The device receives data from the server and passes it to the AI ​​module, which analyzes it. The AI ​​module analyzes income and expenditure patterns over the past six months and predicts necessary expenditures based on age and family composition. Specifically, the following process is performed:

[1416] Terminal: "Pass received data to AI module"

[1417] AI: "Analyze your income and spending patterns over the past six months"

[1418] AI: "Predict and compare spending needs based on family structure"

[1419] Hardware used: PC or server

[1420] Software used: AI analysis module

[1421] Feedback Generation

[1422] The device receives the analysis results from the AI ​​and generates positive feedback and advice. The generated message is sent to the server and notified to the user. Specifically, the following process is performed:

[1423] Device: "Receives analysis results from AI and generates positive feedback and advice."

[1424] Device: "Generate a message saying, 'You're within budget this month. Keep it up.'"

[1425] Terminal: "Send generated message to server"

[1426] Hardware used: Device (smartphone or PC)

[1427] Software used: Notification system

[1428] Notifications and chat features

[1429] The server sends the generated feedback message to the user's app. The user receives the notification and can send a question using the chat function if necessary. The server receives the question, passes it to the AI ​​to generate an answer, and notifies the user. Specifically, the following process is performed:

[1430] Server: "Notify the user of the generated feedback message"

[1431] User: "I want to be notified that 'You're within budget this month. Keep it up.'"

[1432] User: "Use the chat feature and ask, 'Do you have any specific tips for increasing my savings?'"

[1433] Server: "Receives questions, passes them to the AI, and generates answers."

[1434] AI: "Generate the answer 'We recommend setting a monthly savings amount and using automatic withdrawals.'"

[1435] Server: "Send the generated answer to the user"

[1436] Hardware used: Server, terminal

[1437] Software used: Real-time notification system, chatbot

[1438] Incorporating an emotion engine

[1439] It recognizes emotions from user input and behavior and generates feedback to provide a sense of security. The emotion engine recognizes the user's anxiety and instructs the AI ​​to generate positive messages accordingly. Specifically, the following process is performed:

[1440] User: "Express your concerns through two-way chat"

[1441] Emotion engine: "Recognizes user concerns and instructs the AI ​​to generate reassuring messages."

[1442] AI: "Generate a message that says, 'Your efforts are paying off. Keep going and you'll get better results.'"

[1443] Server: "Send this message to the user"

[1444] Hardware used: Emotion engine (e.g., emotion recognition hardware such as sensors)

[1445] Software used: Sentiment analysis software

[1446] Specific examples (prompt sentence examples)

[1447] 1. Data Collection

[1448] Automatically retrieve financial data based on your registered account information.

[1449] 2. Data Analysis

[1450] It analyzes the user's income and expenditure data from the past six months and provides spending forecasts based on family composition.

[1451] 3. Feedback Generation

[1452] Generate positive feedback messages that show your financial situation is good.

[1453] 4. Notifications and Chat Features

[1454] You asked how to increase your savings. Can you provide some specific advice?

[1455] 5. Incorporating an Emotional Engine

[1456] The user is feeling anxious. Create a positive message to reassure them.

[1457] As described above, the present invention provides a flexible response according to the user's emotions and individual financial situation, and helps the user manage their finances with peace of mind.

[1458] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1459] Step 1: User Login

[1460] User: "Log in to the app on my smartphone"

[1461] Input: "User ID and password"

[1462] Output: "Show home screen"

[1463] Specific behavior:

[1464] 1. The user launches the app on their smartphone and enters their user ID and password on the login screen.

[1465] 2. The server checks the entered ID and password, and if authentication is successful, displays the home screen.

[1466] Step 2: Data collection

[1467] Server: "Call the API and get the user's income and expense data."

[1468] Input: "User credentials"

[1469] Output: "Collected financial data"

[1470] Specific behavior:

[1471] 1. The server calls the API of the electronic payment system using the user's authentication information.

[1472] 2. The electronic payment system returns the user's past income and expenditure data.

[1473] 3. The server formats this data, extracts the necessary parts, and sends them to the terminal.

[1474] Step 3: Data analysis

[1475] Terminal: "Pass received data to AI module"

[1476] Input: "Collected Financial Data"

[1477] Output: "Income and expenditure trend analysis results"

[1478] Specific behavior:

[1479] 1. The terminal passes the financial data received from the server to the AI ​​module.

[1480] 2. The AI ​​module analyzes income and expenditure data for the past six months.

[1481] 3. The AI ​​module predicts necessary expenditures based on age and family composition and returns the analysis results to the device.

[1482] Step 4: Feedback generation

[1483] Device: "Receives analysis results from AI and generates positive feedback and advice."

[1484] Input: "Analysis results"

[1485] Output: "Feedback message"

[1486] Specific behavior:

[1487] 1. The device receives the analysis results from the AI ​​and generates a feedback message to provide to the user.

[1488] 2. For example, a message might be generated that reads, "This month's expenses are within budget. Let's keep it up."

[1489] 3. The generated message is sent to the server.

[1490] Step 5: Notifications and chat features

[1491] Server: "Notify the user of the generated feedback message"

[1492] Input: "Feedback message"

[1493] Output: "Notify user"

[1494] Specific behavior:

[1495] 1. The server notifies the user's app of the feedback message received from the device.

[1496] 2. The user receives a notification and checks the message.

[1497] 3. Users can submit questions using the chat function.

[1498] 4. The server receives the user's question and passes it to the AI ​​to generate an answer.

[1499] 5. The AI ​​module generates the best answer to the question and sends it back to the server.

[1500] 6. The server notifies the user's app of the generated answer.

[1501] Step 6: Incorporating the Emotion Engine

[1502] Emotion engine: "Recognizes user concerns and instructs the AI ​​to generate reassuring messages."

[1503] Input: "User's emotional state"

[1504] Output: "Feedback message based on emotion"

[1505] Specific behavior:

[1506] 1. The emotion engine recognizes emotions (e.g., anxiety) expressed by users within the app.

[1507] 2. The emotion engine instructs the AI ​​to generate reassuring feedback messages based on the user's emotional state.

[1508] 3. The AI ​​module receives instructions from the emotion engine and generates appropriate feedback messages.

[1509] 4. For example, a message might be generated that says, "Your efforts are paying off. If you keep going, you'll see even better results."

[1510] 5. The server sends the generated message to the user.

[1511] This series of processes allows users to grasp their financial situation in real time and manage it with peace of mind.In addition, the introduction of an emotion engine enables flexible responses based on the user's emotions, making the system even more user-friendly.

[1512] (Application example 2)

[1513] 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."

[1514] While conventional financial management systems can collect and analyze income and expenditure data, they lack the functionality to provide feedback and advice tailored to the user's emotional state. As a result, users often find it difficult to receive appropriate support even when they feel anxious about their financial situation, resulting in poor financial management. The present invention aims to solve this problem and enable users to manage their finances with peace of mind.

[1515] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for collecting financial data from the user, means for analyzing the collected financial data and analyzing income and expenditure trends, and means for generating feedback and advice based on the analysis results. This makes it possible to analyze the user's financial situation in real time and provide appropriate feedback and advice. Furthermore, by analyzing the user's emotions using an emotion engine and adjusting the content of the feedback and advice according to the emotions, it is possible to provide the user with a sense of security and more effectively support financial management.

[1516] "User" refers to an entity that uses the system to manage financial data and receive feedback.

[1517] "Financial Data" is a general term for information regarding a user's income, expenses, savings, investments, etc.

[1518] "Means of collection" refers to the mechanism for electronically obtaining a user's financial data, and may use methods such as API connections.

[1519] "Analytical means" refers to the algorithms and processes used to analyze collected financial data and analyze trends in income and expenditures.

[1520] The "means for generating feedback and advice" is a means having a function for automatically generating appropriate suggestions and advice for the user based on the analysis results.

[1521] "Means for notification" refers to a mechanism for electronically notifying the user of generated feedback or advice, including push notifications and emails.

[1522] A "means for providing two-way chat functionality" is something that provides an interface for users to interact with the system, submit questions, and receive answers in real time.

[1523] "Means for generating answers in real time" refers to an algorithm that responds immediately to questions from users and generates appropriate answers.

[1524] "Emotion analysis means" refers to technology for detecting and analyzing a user's emotions, and uses methods such as text analysis and tone of voice analysis.

[1525] The "means for adjusting the content of feedback and advice" has a function of changing the expression and content of feedback and advice based on the emotion analysis results to match the emotional state of the user.

[1526] The present invention provides a system that collects and analyzes a user's financial data, provides appropriate feedback and advice, and responds according to the user's emotions using an emotion engine. This system includes a server, a terminal, and a user interface. A specific embodiment of the system is described below.

[1527] System configuration

[1528] Hardware and Software

[1529] Hardware: Smartphone

[1530] software:

[1531] API: The API used to collect financial data (e.g., Financial Data API)

[1532] Emotion Engine: EmotionEngine module (used to analyze user emotions)

[1533] Data Analysis Module: AIAdvisor module (used to analyze financial data and generate advice)

[1534] System Operation

[1535] 1. Data Collection

[1536] The server collects financial data with the user's permission through the user's smartphone application, using an API to obtain data such as the user's income, expenses, and savings.

[1537] 2. Data Analysis

[1538] The server passes the collected data to a data analysis module (AIAdvisor), which analyzes past income and expenditure patterns to assess the user's financial situation. Based on this assessment, it generates specific advice and feedback.

[1539] 3. Generating feedback and advice

[1540] The generated feedback and advice is sent to the user via push notifications, emails, etc. For example, a message such as "Your spending this month is within budget. Keep it up."

[1541] 4. Two-way chat function

[1542] Users can use a smartphone application to send questions to the system. The server receives these questions in real time and passes them to a data analysis module to generate answers. For example, if a user asks, "Do you have any specific advice for increasing savings?", the system generates the answer, "I recommend setting a monthly savings amount and using automatic withdrawals."

[1543] 5. Application of Emotion Engine

[1544] The Emotion Engine analyzes the user's input and behavior to understand their current emotional state. Based on this, it adjusts the feedback and advice it provides. For example, if the user is feeling anxious, it generates a positive message that is particularly reassuring. Specifically, it provides a message like, "Your efforts are paying off. If you keep at it, you'll get even better results."

[1545] Specific examples

[1546] Example 1:

[1547] User: "I'm worried about my recent expenses."

[1548] Application: "Your expenses seem to be increasing, but other expenses are being cut. Let's start by reviewing your spending on essentials and see how much you have left over."

[1549] Example 2:

[1550] User: "I'm having trouble saving money."

[1551] Application: "I recommend setting a fixed monthly savings amount and automatically allocating it. This will help you avoid overspending."

[1552] Prompt Sentence Examples

[1553] Prompt: "Parse the emotional financial comments entered by the user in the following format and generate appropriate feedback: [User Input]: {User Input Data} [Feedback]: {Feedback}"

[1554] This system allows users to understand their financial situation in real time and manage it with peace of mind. In addition, the introduction of an emotion engine enables flexible responses based on the user's emotions, making the system even more user-friendly.

[1555] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1556] Step 1:

[1557] A user logs in to a smartphone application. When the user logs in to the application, the server authenticates the user and, after authentication is complete, begins collecting financial data with the user's permission. The input is the user's login information and authentication token, and the output is the authenticated user's financial data. The financial data is obtained via an API and includes information such as income, expenses, and savings.

[1558] Step 2:

[1559] The server sends the collected financial data to a data analysis module (AIAdvisor). The input data is the collected financial data, and the output is the analysis results. AIAdvisor analyzes past income and expenditure patterns to assess the user's current financial situation. In doing so, it identifies income and expenditure trends and detects abnormal income and expenses.

[1560] Step 3:

[1561] The server uses the analysis results obtained from AIAdvisor to generate feedback and advice. The input is the analysis results, and the output is feedback and advice messages. For example, the server generates a message such as, "This month's expenses are within budget. Let's keep it up."

[1562] Step 4:

[1563] The server notifies the user of the generated feedback and advice via a smartphone application. The input data are the generated feedback and advice messages, and the output is a notification displayed on the user side, allowing the user to check their financial situation in real time.

[1564] Step 5:

[1565] A user uses the two-way chat feature to submit a specific question. The input data is the question from the user, and the output is a confirmation of receipt by the server. For example, a user might ask, "Do you have any specific advice for increasing my savings?"

[1566] Step 6:

[1567] The server passes the received question to the data analysis module, which generates an answer in real time. The input data is the question from the user, and the output is the answer from the analysis module. For example, the generated advice might be, "We recommend that you set a monthly savings amount and use automatic withdrawal."

[1568] Step 7:

[1569] The server notifies the user of the generated answer via a smartphone application. The input data is the generated answer, and the output is a notification displayed on the user's side. The user can get the answer immediately.

[1570] Step 8:

[1571] The Emotion Engine analyzes the user's input and behavior to detect their emotional state. The input data is the user's text input or behavioral data, and the output is a label for the emotional state (e.g., anxious, relieved). If the user is feeling anxious, the Emotion Engine will detect that state.

[1572] Step 9:

[1573] The server adjusts the content of the feedback and advice based on the detected emotional state. The input data is the output of the emotion engine and the generated feedback and advice, and the output is the adjusted feedback and advice. For example, if the user is feeling anxious, a reassuring message such as "Your efforts are paying off. If you keep going, you will get even better results" is generated.

[1574] Step 10:

[1575] The server then sends the user feedback and advice after the adjustment via a smartphone application. The input data is the feedback and advice after the adjustment, and the output is a notification displayed on the user's side. This allows the user to receive positive feedback and continue managing their finances with peace of mind.

[1576] 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.

[1577] 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.

[1578] 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.

[1579] [Fourth embodiment]

[1580] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[1581] 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.

[1582] 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).

[1583] 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.

[1584] 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.

[1585] 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).

[1586] 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. 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.

[1587] 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.

[1588] 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.

[1589] 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.

[1590] 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.

[1591] 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.

[1592] 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."

[1593] The present invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results, helping users to eliminate anxiety about their income and expenses and to better manage their finances.

[1594] System configuration

[1595] The system includes the following main components:

[1596] 1. Server

[1597] 2. Terminal

[1598] 3. Users

[1599] Program processing flow

[1600] 1. Data Collection

[1601] The server first collects the user's financial data, which includes retrieving data from the user's electronic payment system. When the user logs into the application, the server automatically collects the data via an API.

[1602] 2. Data Analysis

[1603] Once the data is collected, the on-device AI analyzes it to identify income and expenditure trends, compare them with historical data, and assess the user's financial situation, based on the user's age, family structure, and set goals.

[1604] 3. Feedback Generation

[1605] Based on the analysis results, the device generates appropriate feedback and advice for the user, including advice on how to manage expenses and save money. For example, positive feedback such as "Your expenses this month are within budget, so your savings are increasing" is provided.

[1606] 4. Notifications and Chat Features

[1607] The generated feedback and advice is sent to the user via the server, allowing the user to check their financial situation in real time. Users can also send specific questions using the two-way chat function. The server analyzes these questions and passes them to the AI ​​to generate appropriate answers. Users can receive answers instantly.

[1608] Specific examples

[1609] 1. Data Collection

[1610] User: "I log in to the app on my phone."

[1611] Server: "Call the API and get the user's income and expenditure data."

[1612] Server: "Send the collected data to the device."

[1613] 2. Data Analysis

[1614] Terminal: "Pass received data to AI module."

[1615] AI: "Analyze your income and expenditure patterns over the past six months."

[1616] AI: "Predict and compare spending needs based on family structure."

[1617] 3. Feedback Generation

[1618] Terminal: "Receives analysis results from AI and generates positive feedback and advice."

[1619] Device: "Generate a message saying, 'Your expenses are within budget this month. Keep it up.'"

[1620] Terminal: "Send the generated message to the server."

[1621] 4. Notifications and Chat Features

[1622] Server: "Notify the user of the generated feedback message."

[1623] User: "I want to be notified that I'm within my budget this month. Keep it up."

[1624] User: "I use the chat feature to ask, 'Do you have any specific tips for increasing my savings?'"

[1625] Server: "Receives the question and passes it to the AI ​​to generate an answer."

[1626] AI: "Generate the answer 'We recommend setting a monthly savings amount and setting up automatic withdrawals.'"

[1627] Server: "Send the generated answer to the user."

[1628] This system allows users to understand their financial situation in real time and manage it with peace of mind, while positive feedback increases motivation and enables sustainable financial management.

[1629] The processing flow will be explained below.

[1630] Step 1:

[1631] The user logs in to the dedicated application.

[1632] User: "Log in to the dedicated application."

[1633] Step 2:

[1634] The server calls the API to collect financial data with the user's consent.

[1635] Server: "Call the API and get the user's income, expenses, and investment data."

[1636] Step 3:

[1637] The server temporarily stores the acquired financial data and transmits it to the user's terminal using a secure communication method.

[1638] Server: "Temporarily store the acquired financial data and send it to the device."

[1639] Step 4:

[1640] The data received by the device is passed to an AI module for analysis.

[1641] Terminal: "Pass received data to AI module."

[1642] Step 5:

[1643] AI analyzes patterns in income, expenditure, and investment data and compares them with the user's past data.

[1644] In-device AI: "Analyzes income and expense trends and compares them with historical data."

[1645] Step 6:

[1646] AI generates optimal feedback and advice based on the user's age, family structure, and goals.

[1647] In-device AI: "Generates feedback and advice tailored to the user's age, family structure, and goals."

[1648] Step 7:

[1649] The device receives feedback and advice generated by the AI ​​and translates it into positive expressions.

[1650] Terminal: "Transform feedback into positive language and frame your message."

[1651] Step 8:

[1652] The terminal sends the generated feedback and advice messages to the server.

[1653] Terminal: "Send the generated feedback message to the server."

[1654] Step 9:

[1655] The server sends notifications to the user based on the periodic feedback notification settings.

[1656] Server: "Send feedback notification to the user."

[1657] Step 10:

[1658] The user receives the feedback notification on the device and checks the content.

[1659] User: "Receive feedback notifications on your device and review them."

[1660] Step 11:

[1661] Users can use the two-way chat feature to submit specific questions.

[1662] User: "Use the two-way chat feature to send specific questions."

[1663] Step 12:

[1664] The server receives the user's question, analyzes it, and passes it to the AI ​​module.

[1665] Server: "Analyze the user's question and pass it to the AI ​​module."

[1666] Step 13:

[1667] The AI ​​generates appropriate answers to the user's questions and sends them back to the server.

[1668] AI: "Generate answers to user questions and send them back to the server."

[1669] Step 14:

[1670] The server sends the AI's answer to the user.

[1671] Server: "Send the AI's answer to the user."

[1672] Step 15:

[1673] The user checks the AI's answer on the device and asks the question again if necessary.

[1674] User: "Check the AI's answer on your device and send the question again if necessary."

[1675] Example 1

[1676] 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."

[1677] Currently, in order for users to understand their financial situation and receive appropriate feedback and advice, they must manually enter a large amount of information and analyze that data. Furthermore, it is difficult to obtain specific advice in real time through two-way communication, making it difficult to achieve efficient financial management. This poses a challenge, as it can make users feel anxious and stressed about their financial management.

[1678] 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.

[1679] In this invention, the server includes means for collecting financial data from a user, means for analyzing the collected financial data and analyzing income and expenditure trends, means for generating feedback and advice based on the analysis results, means for notifying the user of the generated feedback and advice, means for providing a two-way chat function that allows the user to submit questions, means for generating answers to the user's questions in real time, means for transmitting the collected data to a terminal, means for the terminal to pass the received data to an AI module, means for the AI ​​module to analyze income and expenditure patterns, means for the terminal to generate feedback and advice based on the analysis results of the AI ​​module, means for the terminal to transmit the generated feedback and advice to the server, and means for the server to transmit the generated answers to the user, thereby enabling the user to grasp their own financial situation in real time and receive appropriate and specific advice.

[1680] "User" refers to any individual or corporation that uses this system.

[1681] "Financial Data" means data relating to a User's financial transactions, such as income, expenses, savings, and investments.

[1682] "Collection Methods" refers to the hardware and software methods necessary to obtain your Financial Data.

[1683] "Analytical tools" refers to the algorithms and techniques used to analyze collected financial data and identify trends in income and expenses.

[1684] "Feedback" means opinions or information provided to users based on the results of the analysis.

[1685] "Advice" means specific suggestions or instructions for improving a user's financial situation.

[1686] "Means for notifying" refers to a method for informing the user of the generated feedback and advice.

[1687] "Two-way chat functionality" means functionality that enables a User to exchange messages with the System in real time.

[1688] "Real-time answer generation means" refers to technologies and algorithms for providing instantaneous responses to user questions.

[1689] "Terminal" refers to a device for receiving, analyzing and processing financial data transmitted from the server.

[1690] "AI Module" means a software component that analyzes data using machine learning or artificial intelligence.

[1691] The present invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results, helping users to eliminate anxiety about their income and expenses and to better manage their finances.

[1692] System Overview

[1693] The basic components of the system are:

[1694] server

[1695] Terminal

[1696] User

[1697] AI Module

[1698] Users access the system through devices such as smartphones and PCs. When a user logs in to the application, the server automatically collects the user's income and expenditure data via the API of the electronic payment system and sends it to the device.

[1699] Data collection

[1700] The server calls an API to collect the user's financial data the moment the user logs in. To ensure security, the server uses an authentication protocol such as OAuth. For example, when a user logs in to a banking app, the server uses the bank's API to obtain income and expense data.

[1701] Data analysis

[1702] The collected data is sent to the device, where it is analyzed by an AI module on the device. The AI ​​module uses machine learning algorithms to analyze income and expenditure patterns by comparing them with past data. It also predicts necessary expenses based on the user's age and family composition. For example, if the user has a family of three, it will analyze data from the past six months and predict necessary expenses such as food and education.

[1703] Feedback Generation

[1704] Based on the analysis results, the terminal generates appropriate feedback and advice for the user. For example, it may generate a message saying, "This month's expenses are within budget. Keep it up." This generated message is sent to the server, which then notifies the user.

[1705] Notifications and chat features

[1706] The generated feedback and advice are notified to the user via the server. The user receives this as a push notification on their smartphone or an in-app message. Users can also send specific questions using the two-way chat function. For example, if a user asks, "Do you have any specific advice for increasing savings?", the server passes the question to the AI, which generates an appropriate answer. The AI ​​generates an answer such as, "I recommend setting a monthly savings amount and using automatic withdrawals," and notifies the user via the server.

[1707] Specific examples

[1708] Data collection

[1709] User: "I log in to the app on my phone."

[1710] Server: "Call the API and get the user's income and expenditure data."

[1711] Server: "Send the collected data to the device."

[1712] Data analysis

[1713] Terminal: "Pass received data to AI module."

[1714] AI: "Analyze your income and expenditure patterns over the past six months."

[1715] AI: "Predict and compare spending needs based on family structure."

[1716] Feedback Generation

[1717] Terminal: "Receives analysis results from AI and generates positive feedback and advice."

[1718] Device: "Generate a message saying, 'Your expenses are within budget this month. Keep it up.'"

[1719] Terminal: "Send the generated message to the server."

[1720] Notifications and chat features

[1721] Server: "Notify the user of the generated feedback message."

[1722] User: "I want to be notified that I'm within my budget this month. Keep it up."

[1723] User: "I use the chat feature to ask, 'Do you have any specific tips for increasing my savings?'"

[1724] Server: "Receives the question and passes it to the AI ​​to generate an answer."

[1725] AI: "Generate the answer 'We recommend setting a monthly savings amount and setting up automatic withdrawals.'"

[1726] Server: "Send the generated answer to the user."

[1727] This system allows users to understand their financial situation in real time and receive appropriate and specific advice, which is a powerful tool to reduce users' anxiety about financial management and help them live their daily lives with peace of mind.

[1728] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1729] Step 1:

[1730] The server detects when a user logs into the smartphone app. Using this as input, the server calls the API of an electronic payment system (e.g., bank account or credit card) to collect the user's income and expenditure data. The collected financial data is then stored in the server's internal database.

[1731] Step 2:

[1732] The server sends the collected financial data to the device. Specifically, it uses an encrypted protocol (e.g., HTTPS) to transfer the user's income and expenditure data to the device, which then obtains the data necessary for analysis.

[1733] Step 3:

[1734] The terminal passes the financial data received from the server to the AI ​​module. In this process, the terminal formats the received data and converts it into a format that the AI ​​module can easily understand. The converted data is then input into the AI ​​module.

[1735] Step 4:

[1736] The AI ​​module takes financial data as input and analyzes income and expenditure patterns over the past six months. Specifically, it uses machine learning algorithms to cleanse the data, extract features, and recognize patterns. The results of this analysis are used as the basis for assessing the user's financial situation.

[1737] Step 5:

[1738] The AI ​​module takes into account additional information such as the user's age, family structure, and set goals to predict income and expenditure balances and necessary expenditures. This data processing and calculation produces more accurate analysis results, which are then output to the device.

[1739] Step 6:

[1740] The device generates feedback and advice for the user based on the analysis results received from the AI ​​module. During this generation process, a message such as "Your expenses this month are within budget. Keep it up." The generated message is stored on the device as feedback data.

[1741] Step 7:

[1742] The terminal sends the generated feedback and advice to the server, which then prepares the received feedback for notification to the user. This process includes formatting, encoding, and encryption of the feedback data.

[1743] Step 8:

[1744] The server notifies the user of the generated feedback message in real time as a push notification or an in-app message on their smartphone. The user receives the notification on their device and checks the feedback content.

[1745] Step 9:

[1746] Using the two-way chat function, users can send specific questions to the system, such as, "Do you have any specific advice for increasing my savings?" This question is sent to the server as chat data.

[1747] Step 10:

[1748] The server passes the question received from the user to the AI ​​module, which starts the process of generating an answer. The AI ​​module analyzes the content of the question and generates an appropriate answer. For example, it might generate an answer such as, "We recommend that you set a monthly savings amount and use automatic withdrawal."

[1749] Step 11:

[1750] The answer generated by the AI ​​module is returned to the server, which formats and encodes the data to provide the answer to the user in a user-friendly format.

[1751] Step 12:

[1752] The server then sends the generated answers to the user, who can then review the answers on their device and receive specific advice. This process allows users to receive practical advice on financial management in real time.

[1753] (Application example 1)

[1754] 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."

[1755] Conventional financial management systems have had problems such as the time and effort required for users to manually input income and expenditure data, and delays in providing feedback.In addition, they do not provide advice that fully takes into account the specific circumstances of each individual user, making it difficult to carry out effective financial management.

[1756] 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.

[1757] In this invention, the server includes means for collecting financial data from a user, means for analyzing the collected financial data and analyzing income and expenditure trends, means for generating feedback and advice based on the analysis results, means for notifying the user of the generated feedback and advice, means for providing a two-way communication function that allows the user to submit questions, means for using a generative AI model to generate questions and answers, and means for notifying the user of the generated answers, thereby enabling the user to grasp their financial situation in real time and receive specific and effective financial management advice.

[1758] "Financial Data" refers to information about a user's economic activities, such as income, expenditure, savings, and investments.

[1759] "Collection means" refers to a method or device for obtaining financial data from a user.

[1760] "Analytical tools" refers to methods and devices for analyzing collected financial data and understanding trends in income and expenses.

[1761] "Feedback" or "advice" is guidance or suggestions provided to the user based on the analysis results.

[1762] "Notification means" refers to a method or device for conveying generated feedback or advice to the user.

[1763] "Two-way communication capability" refers to a communication means that allows a user to submit questions and receive answers.

[1764] "Generative AI model" refers to an artificial intelligence model that automatically generates question and answer content.

[1765] "Real-time" refers to responses or processing at or very close to the moment a user takes an action.

[1766] This invention relates to a system that collects and analyzes users' financial data and provides feedback and advice. Specifically, it consists of three main components: a server, a terminal, and a user.

[1767] First, the server collects financial data from the user, including income and expenditure data from the user's use of the electronic payment system. The server automatically obtains this data through API and transmits the collected data to the terminal.

[1768] The device then performs an analysis based on the received data, which involves evaluating the user's past income and expenditure trends and deriving patterns for a specific period of time. It also takes into account factors such as the user's age and family structure, and generates optimal recommendations based on that.

[1769] Once the analysis is complete, the device generates feedback and advice based on the analysis. For example, it may generate positive feedback such as, "Your expenses this month are within budget. Keep it up." This feedback is then sent to the user via the server.

[1770] Users can also send questions using the two-way communication function. The server receives these questions and uses the generative AI model to generate appropriate answers. For example, if a user asks, "Do you have any specific advice for increasing savings?", the generative AI model will generate the answer, "I recommend setting a monthly savings amount and using automatic withdrawals," and notify the user.

[1771] The hardware and software used include a data acquisition point (usually an API), an analysis engine (including an AI module), and a notification system. Specifically, a common web framework (e.g., Flask) can be used for the API. AI analysis uses AI models such as Hugging Face's Transformers. The notification system uses the push notification function of a smartphone.

[1772] For example, when a user logs into the app and provides financial data, the server calls an API to collect the data, which is then passed to an on-device AI module that analyzes income and expenses over the past six months and generates optimal feedback.

[1773] An example of a prompt is:

[1774] If a user asks, "Do you have any specific advice for increasing savings?", the generative AI model will generate the answer, "To increase your savings, we recommend setting a monthly savings amount and using automatic withdrawals. It is also effective to review unnecessary subscriptions and use them to increase your savings."

[1775] In this way, the system provides users with real-time, specific financial management advice, helping to alleviate their financial worries.

[1776] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1777] Step 1:

[1778] The server collects the user's financial data through an electronic payment system by the user logging in to a smartphone app. This collection involves automatically obtaining the user's income and expenditure data using an API. The input data is the user's electronic payment history, and the output data is the financial data sent to the terminal in a structured format.

[1779] Step 2:

[1780] The terminal receives financial data sent from the server. The received data is first passed to an AI analysis module, which analyzes trends in income and expenditure data over the past six months. The input data is the collected financial data, and the output data is the analysis results showing income and expenditure patterns.

[1781] Step 3:

[1782] The device generates feedback and advice for the user based on the analysis results of the AI ​​analysis module. For example, it creates a positive message such as, "This month's expenses are within budget, so your savings are increasing." The input data is the analysis result of step 2, and the output data is the generated feedback message.

[1783] Step 4:

[1784] The generated feedback and advice are sent to the server, which then notifies the user using the smartphone's push notification function. The input data is the feedback message generated in step 3, and the output data is the message sent to the user's device.

[1785] Step 5:

[1786] Users can submit questions using the two-way communication feature within the app. For example, a user might ask, "Do you have any specific advice for increasing my savings?" The input data is the user's question, and the output data is the question sent to the server through the two-way communication channel.

[1787] Step 6:

[1788] The server passes the received user question to a generative AI model, which generates an answer in real time. The generative AI model generates optimal advice by taking into account the user's income and expenditure data, age, family composition, etc. The input data is the user's question and related financial data, and the output data is the generated answer.

[1789] Step 7:

[1790] The generated answer is notified to the user via the server. For example, specific advice such as "We recommend that you set a monthly savings amount and use automatic withdrawals" is sent to the user. The input data is the answer generated in step 6, and the output data is the advice notified to the user.

[1791] As described above, through the specific operations performed at each processing step, the system is able to grasp the user's financial situation in real time and provide appropriate feedback and advice.

[1792] 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.

[1793] This invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results. By combining it with an emotion engine, it is possible to respond according to the user's emotions. This allows users to manage their own financial situation with peace of mind and receive appropriate advice.

[1794] System configuration

[1795] The system includes the following main components:

[1796] 1. Server

[1797] 2. Terminal

[1798] 3. Users

[1799] 4. Emotion Engine

[1800] Program processing flow

[1801] 1. Data Collection

[1802] The server first collects the user's financial data, which includes retrieving data from the user's electronic payment system. When the user logs into the application, the server automatically collects the data via an API.

[1803] 2. Data Analysis

[1804] Once the data is collected, the on-device AI analyzes it to identify income and expenditure trends, compare them with historical data, and assess the user's financial situation, based on the user's age, family structure, and set goals.

[1805] 3. Feedback Generation

[1806] Based on the analysis results, the device generates appropriate feedback and advice for the user, including advice on how to manage expenses and save money. For example, positive feedback such as "Your expenses this month are within budget, so your savings are increasing" is provided.

[1807] 4. Notifications and Chat Features

[1808] The generated feedback and advice is sent to the user via the server, allowing the user to check their financial situation in real time. Users can also send specific questions using the two-way chat function. The server analyzes these questions and passes them to the AI ​​to generate appropriate answers. Users can receive answers instantly.

[1809] 5. Incorporating an Emotional Engine

[1810] Additionally, the emotion engine recognizes the user's emotions. This engine analyzes the user's input and behavior to understand their current emotional state. As a result, the feedback and advice can be tailored to the user's emotions. For example, if the user is feeling anxious, the engine will generate a particularly reassuring and positive message.

[1811] Specific examples

[1812] 1. Data Collection

[1813] User: "I log in to the app on my phone."

[1814] Server: "Call the API and get the user's income and expenditure data."

[1815] Server: "Send the collected data to the device."

[1816] 2. Data Analysis

[1817] Terminal: "Pass received data to AI module."

[1818] AI: "Analyze your income and expenditure patterns over the past six months."

[1819] AI: "Predict and compare spending needs based on family structure."

[1820] 3. Feedback Generation

[1821] Terminal: "Receives analysis results from AI and generates positive feedback and advice."

[1822] Device: "Generate a message saying, 'Your expenses are within budget this month. Keep it up.'"

[1823] Terminal: "Send the generated message to the server."

[1824] 4. Notifications and Chat Features

[1825] Server: "Notify the user of the generated feedback message."

[1826] User: "I want to be notified that I'm within my budget this month. Keep it up."

[1827] User: "I use the chat feature to ask, 'Do you have any specific tips for increasing my savings?'"

[1828] Server: "Receives the question and passes it to the AI ​​to generate an answer."

[1829] AI: "Generate the answer 'We recommend setting a monthly savings amount and setting up automatic withdrawals.'"

[1830] Server: "Send the generated answer to the user."

[1831] 5. Application of Emotion Engine

[1832] User: "I use the two-way chat feature to express my concerns."

[1833] Emotion engine: "Recognizes user concerns and instructs the AI ​​to generate reassuring messages."

[1834] AI: "Generate a message that says, 'Your efforts are paying off. Keep going and you'll get better results.'"

[1835] Server: "Send this message to the user."

[1836] This system allows users to understand their financial situation in real time and manage it with peace of mind. In addition, the introduction of an emotion engine enables flexible responses based on the user's emotions, making the system even more user-friendly.

[1837] The processing flow will be explained below.

[1838] Step 1:

[1839] The user logs in to the dedicated application.

[1840] User: "Log in to the dedicated application."

[1841] Step 2:

[1842] The server calls the API to collect financial data with the user's consent.

[1843] Server: "Call the API and get the user's income, expenses, and investment data."

[1844] Step 3:

[1845] The server temporarily stores the acquired financial data and transmits it to the user's terminal using a secure communication method.

[1846] Server: "Temporarily store the acquired financial data and send it to the device."

[1847] Step 4:

[1848] The data received by the device is passed to an AI module for analysis.

[1849] Terminal: "Pass received data to AI module."

[1850] Step 5:

[1851] AI analyzes patterns in income, expenditure, and investment data and compares them with the user's past data.

[1852] In-device AI: "Analyzes income and expense trends and compares them with historical data."

[1853] Step 6:

[1854] AI generates optimal feedback and advice based on the user's age, family structure, and goals.

[1855] In-device AI: "Generates feedback and advice tailored to the user's age, family structure, and goals."

[1856] Step 7:

[1857] The device receives feedback and advice generated by the AI ​​and translates it into positive expressions.

[1858] Terminal: "Transform feedback into positive language and frame your message."

[1859] Step 8:

[1860] The terminal sends the generated feedback and advice messages to the server.

[1861] Terminal: "Send the generated feedback message to the server."

[1862] Step 9:

[1863] The server sends notifications to the user based on the periodic feedback notification settings.

[1864] Server: "Send feedback notification to the user."

[1865] Step 10:

[1866] The user receives the feedback notification on the device and checks the content.

[1867] User: "Receive feedback notifications on your device and review them."

[1868] Step 11:

[1869] Users can use the two-way chat feature to submit specific questions.

[1870] User: "Use the two-way chat feature to send specific questions."

[1871] Step 12:

[1872] The server receives the user's question, analyzes it, and passes it to the AI ​​module.

[1873] Server: "Analyze the user's question and pass it to the AI ​​module."

[1874] Step 13:

[1875] The AI ​​generates appropriate answers to the user's questions and sends them back to the server.

[1876] AI: "Generate answers to user questions and send them back to the server."

[1877] Step 14:

[1878] The server sends the AI's answer to the user.

[1879] Server: "Send the AI's answer to the user."

[1880] Step 15:

[1881] The user checks the AI's answer on the device and asks the question again if necessary.

[1882] User: "Check the AI's answer on your device and send the question again if necessary."

[1883] Step 16:

[1884] The emotion engine analyzes the user's input and actions to recognize their current emotional state.

[1885] Emotion engine: "Analyzes user input and behavior to recognize emotional states."

[1886] Step 17:

[1887] When a user expresses anxiety or stress, the emotion engine detects that emotion.

[1888] Emotion engine: "Detects user anxiety and stress."

[1889] Step 18:

[1890] The emotion engine instructs the AI ​​to tailor its feedback and advice based on the user's emotional state.

[1891] Emotion engine: "Instructs the AI ​​to tailor its feedback and advice."

[1892] Step 19:

[1893] The AI ​​generates reassuring messages based on instructions from the emotion engine.

[1894] AI: "Generate a message that says, 'Your efforts are paying off. Keep going and you'll get better results.'"

[1895] Step 20:

[1896] The server sends this message to the user.

[1897] Server: "Send the generated reassuring message to the user."

[1898] Step 21:

[1899] Users receive feedback messages on their device that correspond to their emotions, helping them calm down.

[1900] User: "I get feedback messages on my device and it calms me down."

[1901] Example 2

[1902] 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 robot 414 will be referred to as a "terminal."

[1903] While conventional financial management systems can analyze users' financial data and provide feedback and advice, they lack the ability to respond to users' emotional states and offer two-way real-time chat functionality. Even when users feel anxious, they may only receive standardized messages, resulting in an unsatisfactory user experience. Another problem is the difficulty of providing personalized advice based on individual user information such as age and family structure.

[1904] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[1905] In this invention, the server includes means for collecting financial data from the user, means for analyzing the collected financial data and analyzing trends in income and expenditure, and means for generating feedback and advice based on the analysis results, thereby making it possible to analyze the user's financial situation and provide appropriate and positive feedback and advice in real time.

[1906] The server also includes means for notifying the user of the generated feedback and advice, means for providing a two-way chat function that allows the user to send questions, means for recognizing the user's emotions and generating feedback and advice according to the emotions, and means for generating answers to the user's questions in real time, thereby enabling flexible responses according to the user's emotions and two-way communication in real time, thereby increasing user satisfaction.

[1907] Furthermore, it includes a means for generating optimal suggestions based on the user's age and family structure, allowing for more personalized support by providing individual advice tailored to the user's specific conditions and goals.

[1908] "User" means any person or entity that provides financial data and uses the System.

[1909] "Server" refers to a computer system that processes and stores data collected from users and provides the required services.

[1910] "Financial Data" means information relating to your financial affairs, such as your income, expenses, assets, and liabilities.

[1911] "Two-way chat function" refers to a function that allows users to communicate with the system in real time.

[1912] "Means for collecting" refers to a method or device for receiving and storing financial data from users.

[1913] "Means for analyzing" refers to a method or device for evaluating collected financial data and analyzing trends in income and expenses.

[1914] "Means for generating feedback and advice" refers to a method or device that generates information or advice to provide to a user based on the analysis results.

[1915] "Means for notifying" refers to a method or device for transmitting generated feedback or advice to the user.

[1916] "Means for recognizing emotions" refers to a method or device for determining and recognizing a user's emotional state from their input or behavior.

[1917] "Means for generating answers in real time" refers to a method or device that creates and provides appropriate answers instantly to questions from users.

[1918] "Means for converting feedback and advice into positive, encouraging language" refers to a method or device for converting the content of feedback or advice into positive, encouraging language.

[1919] This invention relates to a system that collects and analyzes a user's financial data and provides feedback and advice based on the results. Furthermore, by combining it with an emotion engine, it is possible to respond according to the user's emotions. This allows users to manage their own financial situation with peace of mind and receive appropriate advice.

[1920] System configuration

[1921] The system includes the following main components:

[1922] 1. Server

[1923] 2. Terminal

[1924] 3. Users

[1925] 4. Emotion Engine

[1926] Data collection

[1927] When a user logs into the app on their smartphone, the server calls the API to retrieve the user's income and expenditure data. The server then sends that data to the device. Specifically, the following process takes place:

[1928] User: "Log in to the app on my smartphone"

[1929] Server: "Call the API and get the user's income and expense data."

[1930] Server: "Send collected data to the device"

[1931] Hardware used: Smartphone

[1932] Software used: Electronic payment systems, APIs

[1933] Data analysis

[1934] The device receives data from the server and passes it to the AI ​​module, which analyzes it. The AI ​​module analyzes income and expenditure patterns over the past six months and predicts necessary expenditures based on age and family composition. Specifically, the following process is performed:

[1935] Terminal: "Pass received data to AI module"

[1936] AI: "Analyze your income and spending patterns over the past six months"

[1937] AI: "Predict and compare spending needs based on family structure"

[1938] Hardware used: PC or server

[1939] Software used: AI analysis module

[1940] Feedback Generation

[1941] The device receives the analysis results from the AI ​​and generates positive feedback and advice. The generated message is sent to the server and notified to the user. Specifically, the following process is performed:

[1942] Device: "Receives analysis results from AI and generates positive feedback and advice."

[1943] Device: "Generate a message saying, 'You're within budget this month. Keep it up.'"

[1944] Terminal: "Send generated message to server"

[1945] Hardware used: Device (smartphone or PC)

[1946] Software used: Notification system

[1947] Notifications and chat features

[1948] The server sends the generated feedback message to the user's app. The user receives the notification and can send a question using the chat function if necessary. The server receives the question, passes it to the AI ​​to generate an answer, and notifies the user. Specifically, the following process is performed:

[1949] Server: "Notify the user of the generated feedback message"

[1950] User: "I want to be notified that 'You're within budget this month. Keep it up.'"

[1951] User: "Use the chat feature and ask, 'Do you have any specific tips for increasing my savings?'"

[1952] Server: "Receives questions, passes them to the AI, and generates answers."

[1953] AI: "Generate the answer 'We recommend setting a monthly savings amount and using automatic withdrawals.'"

[1954] Server: "Send the generated answer to the user"

[1955] Hardware used: Server, terminal

[1956] Software used: Real-time notification system, chatbot

[1957] Incorporating an emotion engine

[1958] It recognizes emotions from user input and behavior and generates feedback to provide a sense of security. The emotion engine recognizes the user's anxiety and instructs the AI ​​to generate positive messages accordingly. Specifically, the following process is performed:

[1959] User: "Express your concerns through two-way chat"

[1960] Emotion engine: "Recognizes user concerns and instructs the AI ​​to generate reassuring messages."

[1961] AI: "Generate a message that says, 'Your efforts are paying off. Keep going and you'll get better results.'"

[1962] Server: "Send this message to the user"

[1963] Hardware used: Emotion engine (e.g., emotion recognition hardware such as sensors)

[1964] Software used: Sentiment analysis software

[1965] Specific examples (prompt sentence examples)

[1966] 1. Data Collection

[1967] Automatically retrieve financial data based on your registered account information.

[1968] 2. Data Analysis

[1969] It analyzes the user's income and expenditure data from the past six months and provides spending forecasts based on family composition.

[1970] 3. Feedback Generation

[1971] Generate positive feedback messages that show your financial situation is good.

[1972] 4. Notifications and Chat Features

[1973] You asked how to increase your savings. Can you provide some specific advice?

[1974] 5. Incorporating an Emotional Engine

[1975] The user is feeling anxious. Create a positive message to reassure them.

[1976] As described above, the present invention provides a flexible response according to the user's emotions and individual financial situation, and helps the user manage their finances with peace of mind.

[1977] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1978] Step 1: User Login

[1979] User: "Log in to the app on my smartphone"

[1980] Input: "User ID and password"

[1981] Output: "Show home screen"

[1982] Specific behavior:

[1983] 1. The user launches the app on their smartphone and enters their user ID and password on the login screen.

[1984] 2. The server checks the entered ID and password, and if authentication is successful, displays the home screen.

[1985] Step 2: Data collection

[1986] Server: "Call the API and get the user's income and expense data."

[1987] Input: "User credentials"

[1988] Output: "Collected financial data"

[1989] Specific behavior:

[1990] 1. The server calls the API of the electronic payment system using the user's authentication information.

[1991] 2. The electronic payment system returns the user's past income and expenditure data.

[1992] 3. The server formats this data, extracts the necessary parts, and sends them to the terminal.

[1993] Step 3: Data analysis

[1994] Terminal: "Pass received data to AI module"

[1995] Input: "Collected Financial Data"

[1996] Output: "Income and expenditure trend analysis results"

[1997] Specific behavior:

[1998] 1. The terminal passes the financial data received from the server to the AI ​​module.

[1999] 2. The AI ​​module analyzes income and expenditure data for the past six months.

[2000] 3. The AI ​​module predicts necessary expenditures based on age and family composition and returns the analysis results to the device.

[2001] Step 4: Feedback generation

[2002] Device: "Receives analysis results from AI and generates positive feedback and advice."

[2003] Input: "Analysis results"

[2004] Output: "Feedback message"

[2005] Specific behavior:

[2006] 1. The device receives the analysis results from the AI ​​and generates a feedback message to provide to the user.

[2007] 2. For example, a message might be generated that reads, "This month's expenses are within budget. Let's keep it up."

[2008] 3. The generated message is sent to the server.

[2009] Step 5: Notifications and chat features

[2010] Server: "Notify the user of the generated feedback message"

[2011] Input: "Feedback message"

[2012] Output: "Notify user"

[2013] Specific behavior:

[2014] 1. The server notifies the user's app of the feedback message received from the device.

[2015] 2. The user receives a notification and checks the message.

[2016] 3. Users can submit questions using the chat function.

[2017] 4. The server receives the user's question and passes it to the AI ​​to generate an answer.

[2018] 5. The AI ​​module generates the best answer to the question and sends it back to the server.

[2019] 6. The server notifies the user's app of the generated answer.

[2020] Step 6: Incorporating the Emotion Engine

[2021] Emotion engine: "Recognizes user concerns and instructs the AI ​​to generate reassuring messages."

[2022] Input: "User's emotional state"

[2023] Output: "Feedback message based on emotion"

[2024] Specific behavior:

[2025] 1. The emotion engine recognizes emotions (e.g., anxiety) expressed by users within the app.

[2026] 2. The emotion engine instructs the AI ​​to generate reassuring feedback messages based on the user's emotional state.

[2027] 3. The AI ​​module receives instructions from the emotion engine and generates appropriate feedback messages.

[2028] 4. For example, a message might be generated that says, "Your efforts are paying off. If you keep going, you'll see even better results."

[2029] 5. The server sends the generated message to the user.

[2030] This series of processes allows users to grasp their financial situation in real time and manage it with peace of mind.In addition, the introduction of an emotion engine enables flexible responses based on the user's emotions, making the system even more user-friendly.

[2031] (Application example 2)

[2032] 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 robot 414 will be referred to as a "terminal."

[2033] While conventional financial management systems can collect and analyze income and expenditure data, they lack the functionality to provide feedback and advice tailored to the user's emotional state. As a result, users often find it difficult to receive appropriate support even when they feel anxious about their financial situation, resulting in poor financial management. The present invention aims to solve this problem and enable users to manage their finances with peace of mind.

[2034] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for collecting financial data from the user, means for analyzing the collected financial data and analyzing income and expenditure trends, and means for generating feedback and advice based on the analysis results. This makes it possible to analyze the user's financial situation in real time and provide appropriate feedback and advice. Furthermore, by analyzing the user's emotions using an emotion engine and adjusting the content of the feedback and advice according to the emotions, it is possible to provide the user with a sense of security and more effectively support financial management.

[2035] "User" refers to an entity that uses the system to manage financial data and receive feedback.

[2036] "Financial Data" is a general term for information regarding a user's income, expenses, savings, investments, etc.

[2037] "Means of collection" refers to the mechanism for electronically obtaining a user's financial data, and may use methods such as API connections.

[2038] "Analytical means" refers to the algorithms and processes used to analyze collected financial data and analyze trends in income and expenditures.

[2039] The "means for generating feedback and advice" is a means having a function for automatically generating appropriate suggestions and advice for the user based on the analysis results.

[2040] "Means for notification" refers to a mechanism for electronically notifying the user of generated feedback or advice, including push notifications and emails.

[2041] A "means for providing two-way chat functionality" is something that provides an interface for users to interact with the system, submit questions, and receive answers in real time.

[2042] "Means for generating answers in real time" refers to an algorithm that responds immediately to questions from users and generates appropriate answers.

[2043] "Emotion analysis means" refers to technology for detecting and analyzing a user's emotions, and uses methods such as text analysis and tone of voice analysis.

[2044] The "means for adjusting the content of feedback and advice" has a function of changing the expression and content of feedback and advice based on the emotion analysis results to match the emotional state of the user.

[2045] The present invention provides a system that collects and analyzes a user's financial data, provides appropriate feedback and advice, and uses an emotion engine to respond according to the user's emotions. This system includes a server, a terminal, and a user interface. A specific embodiment of the system is described below.

[2046] System configuration

[2047] Hardware and Software

[2048] Hardware: Smartphone

[2049] software:

[2050] API: The API used to collect financial data (e.g., Financial Data API)

[2051] Emotion Engine: EmotionEngine module (used to analyze user emotions)

[2052] Data Analysis Module: AIAdvisor module (used to analyze financial data and generate advice)

[2053] System Operation

[2054] 1. Data Collection

[2055] The server collects financial data with the user's permission through the user's smartphone application, using an API to obtain data such as the user's income, expenses, and savings.

[2056] 2. Data Analysis

[2057] The server passes the collected data to a data analysis module (AIAdvisor), which analyzes past income and expenditure patterns to assess the user's financial situation. Based on this assessment, it generates specific advice and feedback.

[2058] 3. Generating feedback and advice

[2059] The generated feedback and advice is sent to the user via push notifications, emails, etc. For example, a message such as "Your spending this month is within budget. Keep it up."

[2060] 4. Two-way chat function

[2061] Users can use a smartphone application to send questions to the system. The server receives these questions in real time and passes them to a data analysis module to generate answers. For example, if a user asks, "Do you have any specific advice for increasing savings?", the system generates the answer, "I recommend setting a monthly savings amount and using automatic withdrawals."

[2062] 5. Application of Emotion Engine

[2063] The Emotion Engine analyzes the user's input and behavior to understand their current emotional state. Based on this, it adjusts the feedback and advice it provides. For example, if the user is feeling anxious, it generates a positive message that is particularly reassuring. Specifically, it provides a message like, "Your efforts are paying off. If you keep at it, you'll get even better results."

[2064] Specific examples

[2065] Example 1:

[2066] User: "I'm worried about my recent expenses."

[2067] Application: "Your expenses seem to be increasing, but other expenses are being cut. Let's start by reviewing your spending on essentials and see how much you have left over."

[2068] Example 2:

[2069] User: "I'm having trouble saving money."

[2070] Application: "I recommend setting a fixed monthly savings amount and automatically allocating it. This will help you avoid overspending."

[2071] Prompt Sentence Examples

[2072] Prompt: "Parse the emotional financial comments entered by the user in the following format and generate appropriate feedback: [User Input]: {User Input Data} [Feedback]: {Feedback}"

[2073] This system allows users to understand their financial situation in real time and manage it with peace of mind. In addition, the introduction of an emotion engine enables flexible responses based on the user's emotions, making the system even more user-friendly.

[2074] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[2075] Step 1:

[2076] A user logs in to a smartphone application. When the user logs in to the application, the server authenticates the user and, after authentication is complete, begins collecting financial data with the user's permission. The input is the user's login information and authentication token, and the output is the authenticated user's financial data. The financial data is obtained via an API and includes information such as income, expenses, and savings.

[2077] Step 2:

[2078] The server sends the collected financial data to a data analysis module (AIAdvisor). The input data is the collected financial data, and the output is the analysis results. AIAdvisor analyzes past income and expenditure patterns to assess the user's current financial situation. In doing so, it identifies income and expenditure trends and detects abnormal income and expenses.

[2079] Step 3:

[2080] The server uses the analysis results obtained from AIAdvisor to generate feedback and advice. The input is the analysis results, and the output is feedback and advice messages. For example, the server generates a message such as, "This month's expenses are within budget. Let's keep it up."

[2081] Step 4:

[2082] The server notifies the user of the generated feedback and advice via a smartphone application. The input data are the generated feedback and advice messages, and the output is a notification displayed on the user side, allowing the user to check their financial situation in real time.

[2083] Step 5:

[2084] A user uses the two-way chat feature to submit a specific question. The input data is the question from the user, and the output is a confirmation of receipt by the server. For example, a user might ask, "Do you have any specific advice for increasing my savings?"

[2085] Step 6:

[2086] The server passes the received question to the data analysis module, which generates an answer in real time. The input data is the question from the user, and the output is the answer from the analysis module. For example, the generated advice might be, "We recommend that you set a monthly savings amount and use automatic withdrawal."

[2087] Step 7:

[2088] The server notifies the user of the generated answer via a smartphone application. The input data is the generated answer, and the output is a notification displayed on the user's side. The user can get the answer immediately.

[2089] Step 8:

[2090] The Emotion Engine analyzes the user's input and behavior to detect their emotional state. The input data is the user's text input or behavioral data, and the output is a label for the emotional state (e.g., anxious, relieved). If the user is feeling anxious, the Emotion Engine will detect that state.

[2091] Step 9:

[2092] The server adjusts the content of the feedback and advice based on the detected emotional state. The input data is the output of the emotion engine and the generated feedback and advice, and the output is the adjusted feedback and advice. For example, if the user is feeling anxious, a reassuring message such as "Your efforts are paying off. If you keep going, you will get even better results" is generated.

[2093] Step 10:

[2094] The server then sends the user feedback and advice after the adjustment via a smartphone application. The input data is the feedback and advice after the adjustment, and the output is a notification displayed on the user's side. This allows the user to receive positive feedback and continue managing their finances with peace of mind.

[2095] The specific processing unit 290 transmits the result of the specific processing to the robot 414. In the robot 414, the control unit 46A causes the speaker 240 and the control target 443 to output the result of the specific processing. The microphone 238 acquires voice indicating a user input regarding the result of the specific processing. The control unit 46A transmits voice 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 voice data.

[2096] 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.

[2097] 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 robot 414.

[2098] The emotion identification model 59 as an emotion engine may determine the user's emotion according to a specific mapping. Specifically, the emotion identification model 59 may determine the user's emotion according to an emotion map (see FIG. 9), which is a specific mapping. Similarly, the emotion identification model 59 may determine the robot's emotion, and the identification processing unit 290 may perform identification processing using the robot's emotion.

[2099] FIG. 9 is a diagram illustrating an emotion map 400 on which multiple emotions are mapped. In the emotion map 400, emotions are arranged in concentric circles radiating from the center. Emotions closer to the center of the concentric circles are more primitive. Emotions representing states and actions arising from a state of mind are arranged on the outer edges of the concentric circles. The concept of emotion includes both affect and mental states. Emotions generally generated from reactions occurring in the brain are arranged on the left side of the concentric circles. Emotions generally induced by situational judgment are arranged on the right side of the concentric circles. Emotions generally generated from reactions occurring in the brain and induced by situational judgment are arranged on the upper and lower sides of the concentric circles. Furthermore, the emotion of "pleasure" is arranged on the upper side of the concentric circles, and the emotion of "discomfort" is arranged on the lower side. In this way, in the emotion map 400, multiple emotions are mapped based on the structure by which emotions are generated, and emotions that tend to occur simultaneously are mapped close to each other.

[2100] These emotions are distributed in the 3 o'clock direction on emotion map 400, and typically fluctuate between relief and anxiety. In the right half of emotion map 400, situational awareness dominates over internal sensations, resulting in a sense of calm.

[2101] The inside of emotion map 400 represents what is going on in the mind, and the outside of emotion map 400 represents behavior, so the further you go outside emotion map 400, the more visible the emotions become (the more they are expressed in behavior).

[2102] Human emotions are based on various balances, such as posture and blood sugar levels. When these balances deviate from the ideal, a state of discomfort is indicated, and when they approach the ideal, a state of pleasure is indicated. Emotions can also be created for robots, automobiles, and motorcycles, based on various balances, such as posture and remaining battery life. When these balances deviate from the ideal, a state of discomfort is indicated, and when they approach the ideal, a state of pleasure is indicated. An emotion map can be generated, for example, based on Dr. Mitsuyoshi's emotion map (Research on Voice Emotion Recognition and Emotional Brain Physiological Signal Analysis Systems, Tokushima University, Doctoral Dissertation: https: / / ci.nii.ac.jp / naid / 500000375379). The left half of the emotion map lists emotions belonging to the "reaction" domain, where sensation is dominant. The right half of the emotion map lists emotions belonging to the "situation" domain, where situational awareness is dominant.

[2103] The emotion map defines two emotions that promote learning. One is a negative emotion on the situation side, around the middle of "repentance" or "reflection." In other words, this occurs when the robot experiences negative emotions such as "I never want to feel this way again" or "I don't want to be scolded again." The other is a positive emotion on the response side, around "desire." In other words, this occurs when the robot experiences positive feelings such as "I want more" or "I want to know more."

[2104] The emotion identification model 59 inputs user input into a pre-trained neural network, obtains emotion values ​​indicating each emotion shown in the emotion map 400, and determines the user's emotion. This neural network is pre-trained based on multiple pieces of training data that are combinations of user input and emotion values ​​indicating each emotion shown in the emotion map 400. Furthermore, this neural network is trained so that emotions that are located close to each other have similar values, as in the emotion map 900 shown in FIG. 10. FIG. 10 shows an example in which multiple emotions, "relieved," "calm," and "reassuring," have similar emotion values.

[2105] The system according to the present disclosure has been described above mainly with respect to the functions of the data processing device 12, but the system according to the present disclosure is not necessarily implemented on a server. The system according to the present disclosure may be implemented as a general information processing system. The present disclosure may be implemented, for example, as a software program running on a personal computer or an application running on a smartphone, etc. The method according to the present disclosure may be provided to users in the form of SaaS (Software as a Service).

[2106] In the above embodiment, an example was given in which the specific processing is performed by one computer 22, but the technology of the present disclosure is not limited to this, and the specific processing may be distributed and performed by a plurality of computers including the computer 22. For example, the data generation model 58 may be provided in an external device of the data processing device 12, and data may be generated in the external device in accordance with input data.

[2107] In the above embodiment, an example in which the specific processing program 56 is stored in the storage 32 has been described, but the technology of the present disclosure is not limited to this. For example, the specific processing program 56 may be stored in a portable, computer-readable, non-transitory storage medium such as a USB (Universal Serial Bus) memory. The specific processing program 56 stored in the non-transitory storage medium is installed in the computer 22 of the data processing device 12. The processor 28 executes the specific processing in accordance with the specific processing program 56.

[2108] Alternatively, the specific processing program 56 may be stored in a storage device such as a server connected to the data processing device 12 via the network 54, and the specific processing program 56 may be downloaded and installed on the computer 22 in response to a request from the data processing device 12.

[2109] It is not necessary to store all of the specific processing program 56 in a storage device such as a server connected to the data processing device 12 via the network 54, or to store all of the specific processing program 56 in the storage 32; only a portion of the specific processing program 56 may be stored.

[2110] The hardware resource for executing a specific process can be any of the following processors: An example of a processor is a CPU, which is a general-purpose processor that functions as a hardware resource for executing a specific process by executing software, i.e., a program. Another example of a processor is a dedicated electrical circuit, such as an FPGA (Field-Programmable Gate Array), a PLD (Programmable Logic Device), or an ASIC (Application Specific Integrated Circuit), which is a processor with a circuit configuration designed specifically for executing a specific process. Each processor has built-in or connected memory, and each processor uses the memory to execute the specific process.

[2111] The hardware resource that executes the specific processing may be configured with one of these various processors, or may be configured with a combination of two or more processors of the same or different types (for example, a combination of multiple FPGAs, or a combination of a CPU and an FPGA). Also, the hardware resource that executes the specific processing may be a single processor.

[2112] As an example of a system configured with a single processor, first, one processor is configured by combining one or more CPUs and software, and this processor functions as a hardware resource that executes a specific process. Second, there is a system that uses a processor that realizes the functions of an entire system including multiple hardware resources that execute a specific process on a single IC chip, as typified by SoC (System-on-a-chip). In this way, a specific process is realized using one or more of the above-mentioned various processors as hardware resources.

[2113] Furthermore, the hardware structure of these various processors can be, more specifically, an electric circuit that combines circuit elements such as semiconductor devices. The specific processing described above is merely an example. Therefore, it goes without saying that unnecessary steps may be deleted, new steps may be added, or the processing order may be rearranged, without departing from the spirit of the invention.

[2114] The above-described description and illustrations are a detailed explanation of the parts related to the technology of the present disclosure and are merely an example of the technology of the present disclosure. For example, the above description of the configuration, functions, actions, and effects is an explanation of an example of the configuration, functions, actions, and effects of the parts related to the technology of the present disclosure. Therefore, it goes without saying that unnecessary parts may be deleted, new elements may be added, or replacements may be made to the above-described description and illustrations within the scope of the gist of the technology of the present disclosure. Furthermore, to avoid confusion and facilitate understanding of the parts related to the technology of the present disclosure, the above-described description and illustrations omit explanations of common technical knowledge that do not require particular explanation to enable the implementation of the technology of the present disclosure.

[2115] All publications, patent applications, and technical standards mentioned in this specification are herein incorporated by reference to the same extent as if each individual publication, patent application, or technical standard was specifically and individually indicated to be incorporated by reference.

[2116] The following is further disclosed regarding the above embodiment.

[2117] (Claim 1)

[2118] means for collecting financial data from users;

[2119] a means of analyzing the collected financial data and analyzing trends in income and expenses;

[2120] a means for generating feedback and advice based on the analysis results;

[2121] means for notifying the user of the generated feedback and advice;

[2122] means for providing a two-way chat feature that allows users to submit questions;

[2123] A system including a means for generating answers to user questions in real time.

[2124] (Claim 2)

[2125] 10. The system of claim 1, further comprising means for generating optimal suggestions based on the user's age and family structure.

[2126] (Claim 3)

[2127] 10. The system of claim 1, further comprising means for converting the content of the notified feedback and advice into positive expressions.

[2128] "Example 1"

[2129] (Claim 1)

[2130] means for collecting financial data from users;

[2131] a means of analyzing the collected financial data and analyzing trends in income and expenses;

[2132] a means for generating feedback and advice based on the analysis results;

[2133] means for notifying the user of the generated feedback and advice;

[2134] means for providing a two-way chat feature that allows users to submit questions;

[2135] means for generating answers to user questions in real time;

[2136] means for transmitting the collected data to a terminal;

[2137] A means for the terminal to pass received data to the AI ​​module;

[2138] means by which the AI ​​module analyzes income and expenditure patterns;

[2139] A means for the terminal to generate feedback and advice based on the analysis results of the AI ​​module;

[2140] means for the terminal to transmit the generated feedback and advice to a server;

[2141] means for the server to send the generated answer to the user;

[2142] A system including:

[2143] (Claim 2)

[2144] 10. The system of claim 1, further comprising means for generating optimal suggestions based on the user's age and family structure.

[2145] (Claim 3)

[2146] 10. The system of claim 1, further comprising means for converting the content of the notified feedback and advice into positive expressions.

[2147] "Application Example 1"

[2148] (Claim 1)

[2149] means for collecting financial data from users;

[2150] a means of analyzing the collected financial data and analyzing trends in income and expenses;

[2151] a means for generating feedback and advice based on the analysis results;

[2152] means for notifying the user of the generated feedback and advice;

[2153] means for providing two-way communication capabilities by which users can submit questions;

[2154] a means for using a generative AI model to generate question and answer content;

[2155] means for notifying the user of the generated answer;

[2156] A system including:

[2157] (Claim 2)

[2158] 10. The system of claim 1, further comprising means for generating optimal suggestions based on the user's age and family structure.

[2159] (Claim 3)

[2160] 10. The system of claim 1, further comprising means for converting the content of the notified feedback and advice into positive expressions.

[2161] "Example 2: Combining Emotion Engines"

[2162] (Claim 1)

[2163] means for collecting financial data from users;

[2164] a means of analyzing the collected financial data and analyzing trends in income and expenses;

[2165] a means for generating feedback and advice based on the analysis results;

[2166] means for notifying the user of the generated feedback and advice;

[2167] means for providing a two-way chat feature that allows users to submit questions;

[2168] means for recognizing a user's emotions and generating feedback and advice according to the emotions;

[2169] A system including a means for generating answers to user questions in real time.

[2170] (Claim 2)

[2171] 10. The system of claim 1, further comprising means for generating optimal suggestions based on the user's age and family structure.

[2172] (Claim 3)

[2173] 10. The system of claim 1, further comprising means for converting the content of the notified feedback and advice into positive expressions.

[2174] "Application example 2 when combining emotion engines"

[2175] (Claim 1)

[2176] means for collecting financial data from users;

[2177] a means of analyzing the collected financial data and analyzing trends in income and expenses;

[2178] a means for generating feedback and advice based on the analysis results;

[2179] means for notifying the user of the generated feedback and advice;

[2180] means for providing a two-way chat feature that allows users to submit questions;

[2181] means for generating answers to user questions in real time;

[2182] means for analyzing the user's emotions and adjusting the content of the feedback and advice according to the emotions;

[2183] A system including:

[2184] (Claim 2)

[2185] 10. The system of claim 1, further comprising means for generating optimal suggestions based on the user's age and family structure.

[2186] (Claim 3)

[2187] 10. The system of claim 1, further comprising means for converting the content of the notified feedback and advice into positive expressions. [Explanation of symbols]

[2188] 10, 210, 310, 410 Data Processing Systems 12 Data Processing Device 14 Smart Devices 214 Smart Glasses 314 Headset-type terminal 414 Robot< / url:> < / url:> < / url:> < / url:>

Claims

1. means for collecting financial data from users; a means of analyzing the collected financial data and analyzing trends in income and expenses; a means for generating feedback and advice based on the analysis results; means for notifying the user of the generated feedback and advice; means for providing a two-way chat feature that allows users to submit questions; A system including a means for generating answers to user questions in real time.

2. The system of claim 1 further comprising means for generating optimal recommendations based on the user's age and family structure.

3. The system according to claim 1 , further comprising means for converting the content of the notified feedback and advice into positive expressions.

Images