System

Abstract

A system is provided.SOLUTION: A system, comprising: means for acquiring a risk profile of an investment product; means for acquiring basic user information; a AI engine for calculating an optimal insurance amount and period based on the risk profile of the investment product and the basic user information; means for generating an insurance plan based on the insurance amount and period calculated by the AI engine; and means for displaying the insurance plan to a user.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 the conventional investment system, people with no investment experience feel uneasy about investing, and appropriate insurance plans to reduce risk are not provided. As a result, many people miss out on investment opportunities and opportunities for asset formation decrease. In particular, there is a problem that it is difficult to invest with peace of mind because there is no clear guideline for risk avoidance. [Means for solving the problem]

[0005] The present invention provides a system equipped with an AI engine that calculates the optimal insurance amount and term based on the risk profile of an investment product and the user's basic information. This system generates the optimal insurance plan calculated by the AI ​​engine and presents it to the user, providing an environment in which many users, including those with no investment experience, can invest with confidence. In addition, the system provides an interface for users to select investment products and enter basic information, improving user convenience. This allows users to manage their assets efficiently while reducing risk.

[0006] An "investment product" is a financial product or asset in which an investor invests assets, and whose value fluctuates with market fluctuations.

[0007] A "risk profile" is a collection of information necessary for risk assessment, such as the risk characteristics and past performance data associated with a particular investment product.

[0008] "Basic user information" refers to personal information necessary for assessing the investment risk of each individual user, such as the user's age, income, and family structure.

[0009] An "AI engine" is a software system that uses artificial intelligence technology to analyze multiple data inputs and perform calculations to achieve a specific purpose (e.g., calculating the optimal insurance amount and term).

[0010] "Insured amount" refers to the amount based on an insurance contract set up to avoid risk when making an investment.

[0011] "Term" refers to the specific length of time that an insurance policy is in effect.

[0012] "Insurance Plan" means a plan containing details (e.g., sum insured, duration, conditions) of insurance provided to a User to protect against risks when purchasing a particular investment product.

[0013] An "interface" is an operation screen or input means used by a user to input information or confirm information from a system. [Brief explanation of the drawings]

[0014] [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

[0015] 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.

[0016] First, the terms used in the following description will be explained.

[0017] 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).

[0018] 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.

[0019] 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.

[0020] 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.

[0021] 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."

[0022] [First embodiment]

[0023] FIG. 1 shows an example of the configuration of a data processing system 10 according to the first embodiment.

[0024] 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.

[0025] 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).

[0026] 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.

[0027] 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.

[0028] 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.

[0029] 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.

[0030] FIG. 2 shows an example of the main functions of the data processing device 12 and the smart device 14.

[0031] 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.

[0032] 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.

[0033] 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.

[0034] 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."

[0035] The present invention is a system that allows users, including those with no investment experience, to invest with confidence. This system reduces investment risk by providing optimal insurance amounts and periods through mutual cooperation between the server, terminals, and users. Each processing step of the present invention is specifically described below.

[0036] Server side:

[0037] The server first receives a request from the user. The request includes data on investment product selection and basic information input. The server then retrieves detailed information on the selected investment product from the database. Based on the retrieved data, the AI ​​engine analyzes the user's basic information and the investment product's risk profile, and calculates the optimal insurance amount and period. Based on the results, the server generates an insurance plan and sends it to the user's device.

[0038] Terminal processing:

[0039] The terminal provides a user interface and guides the user through the process of selecting an investment product and entering basic information. Once the user has completed the input, the terminal transmits this data to the server. The terminal receives the insurance plan sent from the server and displays it to the user. The terminal provides operations that allow the user to review the plan and request approval or recalculation.

[0040] User Action:

[0041] First, the user selects an investment product through the interface displayed on the terminal and enters basic information, such as age, income, and family composition. The user then checks the insurance plan sent from the server, and if satisfied with the plan, approves it. If not, the user can request a recalculation to obtain the optimal plan.

[0042] Specific use cases:

[0043] For example, consider the case where User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product. User A selects the product on the device interface and enters basic information. The device sends this data to the server. The server uses an AI engine to calculate the optimal insurance plan based on the acquired basic information and the risk profile of the investment product. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. User A checks the plan, and if satisfied with the contents, approves it and begins investing.

[0044] In this way, the present invention provides an environment that makes it easier for users to make investments while reducing risk.

[0045] The processing flow will be explained below.

[0046] Server side:

[0047] Step 1:

[0048] The server receives a request from the user to select an investment product and enter basic information. The received request includes the user ID, investment product ID, and basic information of the user (age, income, family composition, etc.).

[0049] Step 2:

[0050] The server retrieves detailed information about the selected investment product from the database, including the investment product's risk profile and historical performance data.

[0051] Step 3:

[0052] The AI ​​engine on the server receives the risk profile of the acquired investment product and the user's basic information as input and calculates the optimal insurance amount and period. The AI ​​engine uses a pre-trained machine learning algorithm.

[0053] Step 4:

[0054] The server generates an insurance plan based on the insurance amount and period calculated by the AI ​​engine, and the generated insurance plan includes details of the specific insurance amount, period, and risk avoidance.

[0055] Step 5:

[0056] The server transmits the generated insurance plan to the user's terminal.

[0057] Terminal processing:

[0058] Step 1:

[0059] The terminal displays a user interface that includes a list of investment products and a form for entering basic information.

[0060] Step 2:

[0061] The user selects an investment product and enters basic information. After completing the input, the terminal transmits this data to the server.

[0062] Step 3:

[0063] The terminal receives the insurance plan returned from the server, which includes detailed information about the insurance amount, period, and risk.

[0064] Step 4:

[0065] The terminal displays the received insurance plan to the user, allowing the user to check the details of the insurance plan.

[0066] Step 5:

[0067] The terminal provides an interface for the user to approve the plan or request a recalculation, allowing the user to select the next action.

[0068] User Action:

[0069] Step 1:

[0070] The user selects an investment product through an interface displayed on the terminal.

[0071] Step 2:

[0072] The user enters basic information (age, income, family composition, etc.) for the selected investment product.

[0073] Step 3:

[0074] The user checks the insurance plan sent from the server.

[0075] Step 4:

[0076] If the user is satisfied with the proposed plan, they can accept it, or if they are not satisfied with the plan, they can request a recalculation.

[0077] Example 1

[0078] 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."

[0079] In order for users, including those with no investment experience, to invest with confidence, a system that can easily calculate and provide appropriate insurance amounts and periods to reduce risk is needed. However, conventional systems require users to select investment products and manually calculate insurance plans based on their risk profiles, which is a burden for many users. Furthermore, errors and inappropriate decisions in the calculation process make it difficult to obtain the optimal insurance plan. Therefore, a system that allows users to easily and accurately obtain insurance plans to reduce risk is needed.

[0080] 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.

[0081] In this invention, the server includes a means for receiving investment products and basic information entered by the user, a means for acquiring detailed information and risk profiles of investment products from a database, and an AI engine for calculating the optimal insurance amount and period based on the acquired investment product information and the user's basic information. This enables the AI ​​engine to automatically calculate an appropriate insurance plan based on information simply entered by the user and accurately provide it to the user.

[0082] The "means for receiving the investment product and basic information entered by the user" refers to the means for transmitting the investment product selected by the user and basic information such as age, income, and family composition from the terminal to the server.

[0083] The "means for obtaining detailed information and risk profiles of investment products from a database" refers to the means by which the server accesses a database and obtains detailed information of a selected investment product and its corresponding risk profile.

[0084] The "AI engine" is an artificial intelligence engine that calculates the optimal insurance amount and period based on the acquired investment product information and basic information of the user.

[0085] The "means for generating an insurance plan" refers to a means for generating a specific insurance plan based on the insurance amount and period calculated by the AI ​​engine.

[0086] The "means for transmitting the generated insurance plan to the user's terminal" is a means for transmitting the insurance plan generated by the server to the user's terminal.

[0087] "Means for displaying an insurance plan on a user terminal and accepting a user's approval or recalculation request" refers to means for displaying a generated insurance plan on a user's terminal and allowing the user to approve the plan or request a recalculation.

[0088] "User Interface" means a graphical interface through which a user selects an investment product and enters basic information.

[0089] A "generative AI model" is a generative AI engine used to calculate the optimal insurance amount and period based on the user's basic information and the risk profile of the investment product.

[0090] The present invention is a system that supports users, including those with no investment experience, in making safe investments. This system reduces investment risks by linking the server, terminals, and users to provide optimal insurance amounts and periods.

[0091] Server side:

[0092] The server receives a request from a user. This request includes the investment product and basic information, such as the user's selected investment product, age, income, and family composition. The server receives this information via the API endpoint and compiles it. Next, the server retrieves detailed information and risk profile of the selected investment product from a database. This database stores detailed information such as the risk assessment and past performance of each investment product. Based on the retrieved data, the server then uses a generative AI model (e.g., GPT-4) to analyze the user's basic information and the investment product's risk profile and calculate the optimal insurance amount and term. This analysis is performed by inputting a prompt to the AI ​​engine: "Please calculate the optimal insurance amount and term based on the user's age, income, family composition, and the risk profile of the selected investment product." Finally, the server generates an insurance plan based on the calculated results and sends it to the user's device.

[0093] Terminal processing:

[0094] The terminal provides an interface for the user to operate. In this interface, the user can select an investment product and enter basic information. After the user has entered the information, the terminal prepares this data for transmission to the server and sends it to the server via API. When the insurance plan is sent from the server, the terminal receives it and displays it on the user interface. Based on this display, the user can review the plan and request approval or recalculation.

[0095] User Action:

[0096] The user first selects an investment product through the user interface displayed on the terminal. For example, they can choose products such as stock investment or real estate investment. Next, they enter basic information, including the user's age, income, and family composition. Once the information has been entered, the data is sent to the server via the terminal. The user checks the insurance plan sent from the server, and if they are satisfied with the contents, they click the "Approve" button on the terminal. If they are not satisfied, they can click the "Request Recalculation" button to request a new calculation of the insurance plan.

[0097] Examples:

[0098] For example, consider a 35-year-old married user with one child who earns 5 million yen a year who selects "stock investment." The user selects a product through the interface and enters basic information. The input information is sent to the server, which retrieves detailed information and risk profile of the relevant investment product from the database. The generative AI model then inputs a prompt statement: "Please calculate the optimal insurance amount and term based on the user's age, income, family composition, and the risk profile of the selected investment product." The AI ​​engine then calculates the optimal insurance plan. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. The user reviews the plan, and if satisfied with the contents, approves it and begins investing.

[0099] The system of the present invention allows users to easily and accurately obtain insurance plans to reduce risks and make investments with peace of mind.

[0100] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0101] Step 1:

[0102] The user selects an investment product and enters basic information through the interface displayed on the device. This basic information includes age, income, and family composition. Specifically, the user selects an investment product from a selection menu and enters various information using text fields and drop-down lists. Accurate and detailed information is required because the information entered here will be used for subsequent analysis.

[0103] Input: Investment product selection and basic information (age, income, family composition)

[0104] Output: Input data saved on the device

[0105] Step 2:

[0106] The terminal sends the investment product and basic information entered by the user to the server. Specifically, the input data is converted into an appropriate format (e.g., JSON) and sent to the server as an HTTP request via an API endpoint. Error checking is performed here to ensure data integrity and successful transmission.

[0107] Input: Investment product and basic information entered by the user

[0108] Output: Request sent to the server

[0109] Step 3:

[0110] The server issues a database query based on the user information and investment product information received from the terminal to obtain detailed information and risk profiles for the relevant investment products. Specifically, the server generates an SQL query and executes it against the database, while verifying the consistency and completeness of the retrieved data.

[0111] Input: User information and investment product information received from the terminal

[0112] Output: Investment product details and risk profile retrieved from the database

[0113] Step 4:

[0114] The server passes the acquired investment product information and the user's basic information to the AI ​​engine. The AI ​​engine analyzes this information using a generative AI model (e.g., GPT-4) and calculates the optimal insurance amount and term. Specifically, the server inputs a prompt to the AI ​​engine: "Please calculate the optimal insurance amount and term based on the user's age, income, family composition, and the risk profile of the selected investment product." The AI ​​engine performs calculations based on this prompt and returns the results.

[0115] Input: Investment product details and risk profile obtained from the database, basic user information

[0116] Output: Optimal insurance amount and period obtained from the AI ​​engine

[0117] Step 5:

[0118] The server receives the analysis results from the AI ​​engine and generates an insurance plan based on them. Specifically, the server formats the received data and creates a specific insurance plan including the insurance amount and period. This insurance plan also includes an explanation and reasons for selection to make it easy for the user to understand.

[0119] Input: Optimal insurance amount and period obtained from the AI ​​engine

[0120] Output: Generate an insurance plan

[0121] Step 6:

[0122] The server sends the generated insurance plan to the device. Specifically, it converts the insurance plan into an appropriate format (for example, JSON format) and sends it to the device as an HTTP response via the API endpoint. Again, error checking is performed to ensure the transmission was successful.

[0123] Input: Generated insurance plan

[0124] Output: Insurance plan sent to the device

[0125] Step 7:

[0126] The terminal displays the insurance plan received from the server on the user interface. The user can confirm this display and approve or request a recalculation. Specifically, the user clicks the "Approve" button or the "Request Recalculation" button. The terminal then sends this operation back to the server to request a recalculation or final approval. At this step, additional explanations and supplementary information are also provided to help the user understand.

[0127] Input: Insurance plan sent from the server, user's operation (approval or recalculation request)

[0128] Output: User approves or submits recalculation request

[0129] (Application example 1)

[0130] 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."

[0131] In conventional investment systems, users, especially those investing for the first time, often invest without fully understanding the risks, resulting in a high risk of loss. Furthermore, insurance plans to reduce the risks associated with investing were not linked to the investment products, leaving users without a secure investment environment. Addressing these issues, there is a need to provide an environment where users can invest while reducing risk when purchasing investment products on online shopping sites.

[0132] 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.

[0133] In this invention, the server includes means for acquiring a risk profile of an investment product, means for acquiring basic information of a user, an AI engine for calculating an optimal insurance amount and period based on the risk profile of the investment product and the basic information of the user, means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine, and means for displaying the insurance plan when the user purchases an investment product on an online shopping site.As a result, when a user purchases an investment product on an online shopping site, an optimal insurance plan is proposed, thereby reducing risk and enabling the user to invest with peace of mind.

[0134] "Risk profile of an investment product" means information that indicates the risk characteristics and risk level of the relevant investment product.

[0135] "Basic user information" refers to basic personal data such as the user's age, income, and family structure.

[0136] An "AI engine" is a program or system that uses artificial intelligence to analyze data and calculate specific results.

[0137] "Insurance Plan" means the contents and terms of insurance offered to a user to reduce the risk associated with an investment product.

[0138] An "online shopping site" is a website that sells products and services over the Internet.

[0139] An "interface" is a screen or means by which a user inputs information or performs operations on a system.

[0140] A "premium plan" is a plan that includes additional services and benefits over a standard insurance plan.

[0141] The present invention is a system for providing an optimal insurance plan to a user so that the user can reduce risk when purchasing investment products via an online shopping site. Specific embodiments of the system are described below.

[0142] System Program

[0143] Process Overview

[0144] server:

[0145] The server first receives the selection and basic information of the investment product sent by the user.

[0146] Based on the received data, the risk profile of the selected investment product is obtained from the database in the server.

[0147] Next, an AI engine is used to analyze the user's basic information and the risk profile of the investment product, and calculate the optimal insurance amount and period.

[0148] Finally, an insurance plan is generated based on the calculated data and sent to the user's terminal.

[0149] Specific software and hardware used:

[0150] AI engines: machine learning libraries such as TensorFlow and PyTorch

[0151] Database: A relational database such as MySQL or PostgreSQL

[0152] Server Hardware: Ubuntu-based server

[0153] Device:

[0154] The terminal provides a user interface to assist the user in the process of selecting an investment product and entering basic information.

[0155] Sends the data entered by the user to the server.

[0156] The insurance plan sent from the server is received and displayed to the user.

[0157] Specific software used:

[0158] User Interface: Cross-platform development tools such as React Native and Flutter

[0159] Adding specific examples

[0160] User Operation Scenarios

[0161] Let's say User A (35 years old, annual income of 5 million yen, married, one child) selects "stock investment" on an online shopping site. User A selects a product through the device interface and enters basic information. The device then sends this data to the server.

[0162] Based on the received data, the server retrieves the risk profile of "stock investment" from the database and uses an AI engine to calculate the optimal insurance amount and period. As a result, a plan with an insurance amount of 1 million yen and a period of 5 years is generated and sent to the terminal. User A checks the plan, and if satisfied with the contents, he or she can approve it and begin investing.

[0163] Example prompts to be input to the generative AI model

[0164] If a user selects "Stock investment" based on the following criteria: age 35, income 5 million yen, married, with one child, use an AI engine to calculate the optimal insurance plan.

[0165] As described above, this invention is a system that proposes optimal insurance plans when a user purchases investment products on an online shopping site, and provides an environment in which users can invest with peace of mind while reducing risk.

[0166] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0167] Step 1:

[0168] The user selects an investment product and enters basic information

[0169] Users select an investment product through the terminal interface and enter basic information such as their age, income, and family composition.

[0170] Input: Investment product options, user age, income, family structure

[0171] Output: Investment product selection data, basic information data

[0172] Step 2:

[0173] The device sends the user's input data to the server.

[0174] The terminal transmits the investment product selection data and basic information data input by the user to the server.

[0175] Input: Investment product selection data, basic information data

[0176] Output: Data sent to the server

[0177] Step 3:

[0178] The server retrieves the risk profile of the investment product.

[0179] Based on the received data, the server obtains the risk profile of the selected investment product from the database.

[0180] Input: Investment product selection data

[0181] Output: Risk profile data for investment products

[0182] What happens: The server issues an SQL query to retrieve the risk profile from the database.

[0183] Step 4:

[0184] AI engine calculates optimal insurance amount and period

[0185] The server's AI engine analyzes the user's basic information and the risk profile data of the investment product to calculate the optimal insurance amount and period.

[0186] Input: User basic information data, investment product risk profile data

[0187] Output: Optimal insurance amount and period data

[0188] Specific operation: Using machine learning libraries such as TensorFlow and PyTorch, the system analyzes data and calculates optimal insurance plans.

[0189] Step 5:

[0190] The server generates the insurance plan and sends it to the device.

[0191] The server generates an insurance plan based on the insurance amount and period calculated by the AI ​​engine and sends it to the user's device.

[0192] Input: Optimal insurance amount and period data

[0193] Output: Insurance plan data, data sent to device

[0194] Specific behavior: Runs the algorithm to generate an insurance plan and sends the generated plan.

[0195] Step 6:

[0196] The device displays the insurance plan to the user.

[0197] The terminal displays the received insurance plan to the user, who can review the plan and approve or request a recalculation.

[0198] Input: Insurance plan data

[0199] Output: Data displayed to the user

[0200] Specific behavior: Display insurance plan details through the device's user interface

[0201] Step 7:

[0202] User reviews insurance plan and requests approval or recalculation

[0203] The user can check the insurance plan displayed on the device, and if they are satisfied with the plan, they can approve it and start investing. If they are not satisfied, they can request a recalculation.

[0204] Input: User's choice

[0205] Output: Insurance plan approval data or recalculation request data

[0206] Specific operation: The terminal sends approval data or recalculation request data based on the user's selection to the server.

[0207] As described above, the server, terminal, and user work together to provide an environment in which users can invest with peace of mind.

[0208] 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.

[0209] The present invention is a system that allows users, including those with no investment experience, to invest with confidence, and in particular, by including an emotion engine that recognizes the user's emotions, the investment process becomes safer and more reliable. Each processing step of the present invention will be specifically described below.

[0210] Server side:

[0211] The server first receives a request from the user to select an investment product and enter basic information. The request includes the user ID, investment product ID, and the user's basic information (age, income, family composition, etc.). The server then retrieves detailed information about the selected investment product from the database. Based on the retrieved data, the AI ​​engine analyzes the user's basic information and the investment product's risk profile, and calculates the optimal insurance amount and period. Based on these results, the server generates an insurance plan and sends it to the user's device. In addition, an emotion engine is also used to recognize the user's emotions, and emotional information is obtained when the user confirms the insurance plan, which is used to adjust the insurance plan.

[0212] Terminal processing:

[0213] The terminal provides a user interface and assists the user in the process of selecting an investment product and entering basic information. Once the user has completed the input, the terminal transmits this data to the server. The terminal receives the insurance plan transmitted from the server and displays it to the user. Furthermore, the emotion engine has a feedback function for recognizing the user's emotions, and collects emotion information when the user confirms the insurance plan and transmits it to the server. This emotion information is used to adjust the contents of the insurance plan, allowing the terminal to provide a plan that is more suitable for the user.

[0214] User Action:

[0215] Users first select an investment product through the interface displayed on their device and enter basic information, including age, income, and family composition. The insurance plan sent from the server is then reviewed, and an emotion engine recognizes the user's emotions. If the user has negative feelings about the plan, they can request a recalculation or improvement.

[0216] Specific use cases:

[0217] For example, consider the case where User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product. User A selects the product on the device interface and enters basic information. The device sends this data to the server. The server uses an AI engine to calculate the optimal insurance plan based on the acquired basic information and the risk profile of the investment product. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. User A checks the plan, and the emotion engine recognizes the user's emotions at that time. If User A feels anxious or dissatisfied, this emotional information is sent to the server, which takes this into account when recalculating the plan and presents a plan that is more satisfactory to User A.

[0218] In this way, the present invention provides an environment in which users can invest with greater peace of mind while reducing risk by taking into consideration the user's emotions.

[0219] The processing flow will be explained below.

[0220] Server side:

[0221] Step 1:

[0222] The server receives a request from the user to select an investment product and enter basic information. The request includes the user ID, investment product ID, and basic information about the user (age, income, family composition, etc.).

[0223] Step 2:

[0224] The server retrieves detailed information about the selected investment product from the database, including the investment product's risk profile and historical performance data.

[0225] Step 3:

[0226] The AI ​​engine on the server receives the risk profile of the acquired investment product and the user's basic information as input and calculates the optimal insurance amount and period. The AI ​​engine uses a pre-trained machine learning algorithm.

[0227] Step 4:

[0228] The server generates an insurance plan based on the insurance amount and period calculated by the AI ​​engine, and the generated insurance plan includes details of the specific insurance amount, period, and risk avoidance.

[0229] Step 5:

[0230] The server transmits the generated insurance plan to the user's terminal.

[0231] Step 6:

[0232] The server receives the user's emotional information sent from the device and uses it to adjust the insurance plan, and may even recalculate a new plan based on the emotional information.

[0233] Terminal processing:

[0234] Step 1:

[0235] The terminal displays a user interface that includes a list of investment products and a form for entering basic information.

[0236] Step 2:

[0237] The user selects an investment product and enters basic information. After completing the input, the terminal transmits this data to the server.

[0238] Step 3:

[0239] The terminal receives the insurance plan returned from the server, which includes detailed information about the insurance amount, period, and risk.

[0240] Step 4:

[0241] The terminal displays the received insurance plan to the user, allowing the user to check the details of the insurance plan.

[0242] Step 5:

[0243] The device uses an emotion engine to recognize the user's emotions, analyzing the user's facial expressions, tone of voice, input behavior, etc. to extract emotional information.

[0244] Step 6:

[0245] The device transmits the extracted emotion information to the server so that the server can readjust the insurance plan based on the emotion information.

[0246] User Action:

[0247] Step 1:

[0248] The user selects an investment product through an interface displayed on the terminal.

[0249] Step 2:

[0250] The user enters basic information (age, income, family composition, etc.) for the selected investment product.

[0251] Step 3:

[0252] The user checks the insurance plan sent from the server, and the user's emotions are recognized by the emotion engine on the device.

[0253] Step 4:

[0254] If the user is satisfied with the proposed plan, they can approve it, or if they are dissatisfied with the plan, they can request a recalculation. If dissatisfied, the emotion engine sends the emotion to the server, which then makes adjustments.

[0255] This allows the system to provide optimal insurance plans while taking into consideration the user's feelings.

[0256] Example 2

[0257] 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."

[0258] Current investment systems make it difficult for users to select investment products with confidence. For those with no investment experience, assessing investment risks and selecting insurance plans can be a major source of anxiety. Furthermore, the system does not consider users' feelings during the investment process, making it difficult to provide users with safety and trust.

[0259] 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.

[0260] In this invention, the server includes a means for receiving a request from a user to select an investment product and input basic information, a means for retrieving information on the selected investment product from a database, and an AI engine for analyzing the user's basic information and the risk profile of the investment product, thereby enabling the user to be offered an optimal insurance plan while minimizing risk.

[0261] Furthermore, in this invention, the server includes means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine, means for transmitting the insurance plan to the user's terminal, an emotion engine for recognizing emotions when the user confirms the insurance plan, and means for adjusting the insurance plan based on emotion information acquired by the emotion engine, thereby making it possible to provide a more appropriate insurance plan that takes user emotions into consideration.

[0262] The "means for receiving a request from a user to select an investment product and input basic information" is a mechanism by which the server receives a request from the user to select an investment product and input basic information about the investment.

[0263] The "means for obtaining information on the selected investment product from the database" is a function for obtaining detailed information on the investment product selected by the user from the database.

[0264] The "AI engine that analyzes the user's basic information and the risk profile of investment products" is an engine that uses AI technology to analyze the user's basic information and the risk profile of investment products, and derives the optimal investment strategy.

[0265] "Means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine" refers to a mechanism for generating a specific insurance plan based on the insurance amount and period calculated by the AI ​​engine.

[0266] The "means for transmitting the insurance plan to the user's terminal" is a function for transmitting the generated insurance plan to the user's terminal so that the user can check it.

[0267] The "emotion engine that recognizes emotions when users check insurance plans" is an engine that recognizes and analyzes the emotional state of users while they are checking insurance plans.

[0268] The "means for adjusting the insurance plan based on the emotional information acquired by the emotion engine" is a mechanism for recalculating and adjusting the insurance plan based on the emotional information of the user acquired by the emotion engine.

[0269] The present invention is a system that allows users, including those with no investment experience, to invest with confidence. In particular, the present invention includes an emotion engine that recognizes the user's emotions, making the investment process safer and more reliable.

[0270] Server Action:

[0271] The server first receives a request from the user to select an investment product and enter basic information. This request includes the user ID, investment product ID, and the user's basic information (age, income, family composition, etc.). The server then retrieves detailed information about the selected investment product from a relational database. This database, for example, uses MySQL. Based on the retrieved data, an AI engine built with Python analyzes the user's basic information and the investment product's risk profile. Based on the results of the analysis, Node.js is used to calculate the insurance amount and investment period and generate a specific insurance plan. The server then sends the generated insurance plan to the user's device. In addition, an emotion engine using IBM Watson is also used to obtain emotional information when the user reviews the insurance plan, and this data is analyzed to help adjust the insurance plan.

[0272] Terminal handling:

[0273] The terminal provides a user interface and assists the user in the process of selecting an investment product and entering basic information. This interface is built with React. Once the user has completed the input, the terminal sends this data to the server. The terminal receives the insurance plan sent from the server and displays it to the user. In addition, the emotion engine has a feedback function to recognize the user's emotions, and collects emotional information when the user confirms the insurance plan and sends it to the server. This emotional information is used to adjust the contents of the insurance plan, allowing the terminal to provide a plan that is more suitable for the user.

[0274] User Action:

[0275] Users first select an investment product through the interface displayed on their device and enter basic information, such as age, income, and family composition. They then review the insurance plan sent from the server, and the emotion engine recognizes the user's emotions. If the user has negative feelings about the plan, they can request a recalculation or improvement.

[0276] Specific use cases:

[0277] For example, if User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product, User A selects the product on the device interface and enters basic information. The device sends this data to the server. The server uses an AI engine built in Python to calculate the optimal insurance plan based on the acquired basic information and the investment product's risk profile. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. User A checks the plan, and the IBM Watson emotion engine recognizes the user's emotions. If User A feels anxious or dissatisfied, this emotional information is sent to the server, which takes this into account when recalculating the plan and presents a plan that is more satisfactory to User A.

[0278] Example prompt for a generative AI model:

[0279] "Please explain the outline of a system that uses an emotion engine to suggest optimal insurance plans to inexperienced users when investing in stocks."

[0280] In this way, the present invention provides an environment in which users can invest with greater peace of mind while reducing risk by taking into consideration the user's emotions.

[0281] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0282] Server-side processing steps:

[0283] Step 1:

[0284] The server receives a request from the user to select an investment product and enter basic information. This request includes basic information such as the user ID, investment product ID, user age, income, and family composition. The server receives the input data and prepares it for the next process. Specifically, it analyzes the request, extracts the necessary information, and formats it.

[0285] Step 2:

[0286] The server retrieves information about the selected investment product from a database. For example, it retrieves the risk profile and historical performance data for "stock investment" from a MySQL database. It receives the request as input and queries the database to retrieve the corresponding investment product information. As output, it passes the retrieved data to the next processing step.

[0287] Step 3:

[0288] The server launches an AI engine written in Python to analyze the user's basic information and the risk profile of the investment product. The AI ​​engine receives basic information such as age, income, and family composition as input, evaluates the investment risk, and calculates the optimal insurance amount and period. It generates an outline of the optimal insurance plan as output and passes it on to the next process.

[0289] Step 4:

[0290] The server uses Node.js to generate a specific insurance plan based on the insurance amount and period calculated by the AI ​​engine. It uses the plan summary received from the AI ​​engine as input and generates a detailed insurance plan in JSON format, etc. The generated insurance plan is passed as output to the next processing step.

[0291] Step 5:

[0292] The server sends the generated insurance plan to the user's device. It receives the generated insurance plan as input and sends it to the user's device as an HTTP response. As output, the user's device can correctly receive and display the insurance plan.

[0293] Step 6:

[0294] The server runs an emotion engine using IBM Watson to recognize emotions when the user checks their insurance plan. It receives data (such as camera footage and audio data) from the user's insurance plan check as input and performs emotion analysis. As output, it obtains the user's emotional information and passes it to the next processing step.

[0295] Step 7:

[0296] The server adjusts the insurance plan based on the emotional information acquired by the emotion engine. It receives the user's emotional information as input and recalculates and adjusts the insurance plan as necessary. As output, it generates the adjusted insurance plan and presents it to the user again.

[0297] Terminal processing steps:

[0298] Step 1:

[0299] The terminal provides a user interface and guides the user through the process of selecting an investment product and entering basic information. This interface is built with React. It receives user actions (clicks, form entries, etc.) as input and prepares them for further processing. As output, it sends the input data to the next processing step.

[0300] Step 2:

[0301] The terminal sends the data entered by the user to the server. As input, it receives the investment product selected by the user and basic information and sends it to the server as an HTTP request. As output, the server receives the data required for the next processing step.

[0302] Step 3:

[0303] The terminal receives the insurance plan sent from the server and displays it to the user. As input, it receives the insurance plan data from the server, formats it in the UI, and displays it. As output, the user can check the insurance plan.

[0304] Step 4:

[0305] The device provides a feedback function to enable the emotion engine to recognize the user's emotions. As input, the device receives the user's reaction data (e.g., camera footage, audio data, etc.) and sends it to the emotion engine. As output, the emotion information is sent to the server.

[0306] User process steps:

[0307] Step 1:

[0308] The user selects an investment product through the interface displayed on the terminal. As input, the user performs an action on the terminal UI to determine the selected data. As output, the investment product information selected by the user is passed to the next processing step.

[0309] Step 2:

[0310] The user enters basic information such as age, income, family composition, etc. As input, text and numerical data are entered through the UI and sent to the terminal. As output, the basic information is sent to the next processing step.

[0311] Step 3:

[0312] The user checks the insurance plan sent from the server. As input, the user visually checks the insurance plan displayed on the terminal. As output, the user's feelings and opinions about the plan are reflected in the next processing step.

[0313] Step 4:

[0314] The user provides feedback on their feelings about the insurance plan via the device. As input, emotion information is provided via the device's camera and microphone. As output, the emotion information is passed to the emotion engine and reflected on the server.

[0315] Specific use cases:

[0316] For example, if User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product, his or her selection and basic information are sent to the server via the device. The server uses this information to retrieve investment information from the database and calculates an insurance plan using an AI engine. The calculation results are sent to the device, and User A confirms the plan. When confirming, the emotion engine analyzes User A's emotions, and if anxiety or dissatisfaction is detected, the server readjusts the plan and presents it to User A.

[0317] Example prompt for a generative AI model:

[0318] "Please explain the specific process flow and operation of a system that uses an emotion engine to suggest optimal insurance plans to inexperienced users when they invest in stocks."

[0319] (Application example 2)

[0320] 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."

[0321] Conventional investment support systems do not take users' emotions into consideration and simply present optimal insurance plans based on the risk profile of the investment product and the user's basic information, which can cause anxiety for users who are inexperienced in investing or who are sensitive to emotions. This often causes users to feel anxious about making investment decisions, making it difficult to encourage investment behavior.

[0322] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[0323] a means of obtaining the risk profile of an investment product;

[0324] A means for obtaining basic information about a user;

[0325] an AI engine that calculates the optimal insurance amount and period based on the risk profile of the investment product and basic information of the user;

[0326] A means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine;

[0327] means for displaying said insurance plan to a user;

[0328] and means for adjusting the insurance plan based on the emotion information, the emotion engine being provided to recognize the user's emotion in real time.

[0329] This allows users to make investments with peace of mind by presenting optimal insurance plans that take into account their feelings.

[0330] "Risk profile of an investment product" means information that indicates the characteristics and trends of risks associated with an investment product.

[0331] "Basic user information" refers to basic personal information required when making an investment, such as the user's age, income, and family composition.

[0332] An "AI engine" is a software or hardware system that uses artificial intelligence to automate specific tasks.

[0333] "Insurance Plan" means a plan that indicates the specific content and structure of insurance provided to a User to mitigate risk when making an investment.

[0334] An "emotion engine" is a technology or system for recognizing and analyzing emotions from a user's facial expressions, voice, etc.

[0335] "Means for adjustment" refers to a method or process for appropriately changing the plan presented to the user based on the results of the emotion engine.

[0336] "Display means" refers to an interface for visually displaying information on the user's terminal.

[0337] The present invention is a system that allows users, including those with no investment experience, to invest with confidence, and in particular, by including an emotion engine that recognizes the user's emotions, it makes the investment process safer and more reliable.

[0338] Server side:

[0339] The server first receives a request from the user to select an investment product and enter basic information. The request includes the user ID, investment product ID, and the user's basic information (age, income, family composition, etc.). The server then retrieves detailed information about the selected investment product from the database. Based on the retrieved data, the AI ​​engine analyzes the user's basic information and the investment product's risk profile, and calculates the optimal insurance amount and period. Based on these results, the server generates an insurance plan and sends it to the user's device. In addition, an emotion engine is also used to recognize the user's emotions, and emotional information is obtained when the user confirms the insurance plan, which is used to adjust the insurance plan.

[0340] The hardware used includes high-performance servers, and the software uses an AI engine (e.g., a TensorFlow-based model) and an emotion recognition engine (e.g., OpenCV and the EmotionRecognition library), while the database software uses, for example, MySQL.

[0341] Terminal processing:

[0342] The terminal provides a user interface and assists the user in the process of selecting an investment product and entering basic information. Once the user has completed the input, the terminal transmits this data to the server. The terminal receives the insurance plan transmitted from the server and displays it to the user. Furthermore, the emotion engine has a feedback function for recognizing the user's emotions, and collects emotion information when the user confirms the insurance plan and transmits it to the server. This emotion information is used to adjust the contents of the insurance plan, allowing the terminal to provide a plan that is more suitable for the user.

[0343] User Action:

[0344] The user first selects an investment product and enters basic information, such as age, income, and family composition, through the interface displayed on the device. The user then checks the insurance plan sent from the server, at which point the emotion engine recognizes the user's emotions. If the user has negative emotions about the plan, this emotion information is sent to the server, which takes this into account when recalculating the plan and presents a more satisfactory plan to the user.

[0345] As a concrete example, let's consider the case where a user operates a smartphone. The user uses the smartphone's camera to read their facial expressions, which are then analyzed by the emotion engine. Based on the analysis results, the insurance plan is adjusted and displayed in real time.

[0346] Example prompt sentence:

[0347] "Build an application that captures users' facial expressions and recognizes their emotions in real time to optimize their investment plans."

[0348] In this way, the present invention provides an environment in which users can invest with greater peace of mind while reducing risk by taking into consideration the user's emotions.

[0349] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0350] Step 1: Entering User Data

[0351] The user uses the terminal interface to input basic information such as age, income, and family composition. They also select an investment product. This input data includes the user ID, investment product ID, and basic information about the user. The terminal then sends this data to the server.

[0352] Input: Age, income, family composition, user ID, investment product ID

[0353] Output: Basic information and investment product selection data

[0354] Step 2: Obtain a risk profile

[0355] The server retrieves detailed information about the selected investment product from the database based on the received user basic information and investment product ID, including the risk profile of the investment product.

[0356] Input: User's basic information, investment product ID

[0357] Output: Risk profile of the investment product

[0358] Step 3: Calculate the best insurance plan

[0359] The server inputs the acquired user's basic information and risk profile into the AI ​​engine, which then calculates the optimal insurance amount and period based on this information and generates an insurance plan.

[0360] Input: User's basic information, investment product risk profile

[0361] Output: Insurance amount, insurance period, insurance plan

[0362] Step 4: View your insurance plan

[0363] The terminal receives the insurance plan sent from the server and visually displays it to the user, who then confirms the plan.

[0364] Input: Insurance Plan

[0365] Output: A visual representation of the insurance plan

[0366] Step 5: Capturing and recognizing emotions

[0367] When a user checks the displayed insurance plan, the device's camera is used to capture the user's facial expression. The captured facial expression data is input into the emotion engine, and the emotional information is analyzed.

[0368] Input: User's facial expression data

[0369] Output: Emotional information (e.g., anxiety, relief, satisfaction, dissatisfaction)

[0370] Step 6: Send emotional information and readjust your plan

[0371] The user's emotional information is sent to the server. The server recalculates the insurance plan based on the emotional information and creates a plan that is more suitable for the user. The recalculated plan is sent back to the terminal and displayed to the user.

[0372] Input: Emotion information

[0373] Output: Rebalanced insurance plan

[0374] Through the above processing steps, the system is able to provide the optimal insurance plan that takes into account the user's feelings.

[0375] 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.

[0376] 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.

[0377] 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.

[0378] [Second embodiment]

[0379] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0380] 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.

[0381] 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).

[0382] 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.

[0383] 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.

[0384] 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).

[0385] 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.

[0386] 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.

[0387] 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.

[0388] 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.

[0389] 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.

[0390] 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."

[0391] The present invention is a system that allows users, including those with no investment experience, to invest with confidence. This system reduces investment risk by providing optimal insurance amounts and periods through mutual cooperation between the server, terminals, and users. Each processing step of the present invention is specifically described below.

[0392] Server side:

[0393] The server first receives a request from the user. The request includes data on investment product selection and basic information input. The server then retrieves detailed information on the selected investment product from the database. Based on the retrieved data, the AI ​​engine analyzes the user's basic information and the investment product's risk profile, and calculates the optimal insurance amount and period. Based on the results, the server generates an insurance plan and sends it to the user's device.

[0394] Terminal processing:

[0395] The terminal provides a user interface and guides the user through the process of selecting an investment product and entering basic information. Once the user has completed the input, the terminal transmits this data to the server. The terminal receives the insurance plan sent from the server and displays it to the user. The terminal provides operations that allow the user to review the plan and request approval or recalculation.

[0396] User Action:

[0397] First, the user selects an investment product through the interface displayed on the terminal and enters basic information, such as age, income, and family composition. The user then checks the insurance plan sent from the server, and if satisfied with the plan, approves it. If not, the user can request a recalculation to obtain the optimal plan.

[0398] Specific use cases:

[0399] For example, consider the case where User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product. User A selects the product on the device interface and enters basic information. The device sends this data to the server. The server uses an AI engine to calculate the optimal insurance plan based on the acquired basic information and the risk profile of the investment product. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. User A checks the plan, and if satisfied with the contents, approves it and begins investing.

[0400] In this way, the present invention provides an environment that makes it easier for users to make investments while reducing risk.

[0401] The processing flow will be explained below.

[0402] Server side:

[0403] Step 1:

[0404] The server receives a request from the user to select an investment product and enter basic information. The received request includes the user ID, investment product ID, and basic information of the user (age, income, family composition, etc.).

[0405] Step 2:

[0406] The server retrieves detailed information about the selected investment product from the database, including the investment product's risk profile and historical performance data.

[0407] Step 3:

[0408] The AI ​​engine on the server receives the risk profile of the acquired investment product and the user's basic information as input and calculates the optimal insurance amount and period. The AI ​​engine uses a pre-trained machine learning algorithm.

[0409] Step 4:

[0410] The server generates an insurance plan based on the insurance amount and period calculated by the AI ​​engine, and the generated insurance plan includes details of the specific insurance amount, period, and risk avoidance.

[0411] Step 5:

[0412] The server transmits the generated insurance plan to the user's terminal.

[0413] Terminal processing:

[0414] Step 1:

[0415] The terminal displays a user interface that includes a list of investment products and a form for entering basic information.

[0416] Step 2:

[0417] The user selects an investment product and enters basic information. After completing the input, the terminal transmits this data to the server.

[0418] Step 3:

[0419] The terminal receives the insurance plan returned from the server, which includes detailed information about the insurance amount, period, and risk.

[0420] Step 4:

[0421] The terminal displays the received insurance plan to the user, allowing the user to check the details of the insurance plan.

[0422] Step 5:

[0423] The terminal provides an interface for the user to approve the plan or request a recalculation, allowing the user to select the next action.

[0424] User Action:

[0425] Step 1:

[0426] The user selects an investment product through an interface displayed on the terminal.

[0427] Step 2:

[0428] The user enters basic information (age, income, family composition, etc.) for the selected investment product.

[0429] Step 3:

[0430] The user checks the insurance plan sent from the server.

[0431] Step 4:

[0432] If the user is satisfied with the proposed plan, they can accept it, or if they are not satisfied with the plan, they can request a recalculation.

[0433] Example 1

[0434] 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."

[0435] In order for users, including those with no investment experience, to invest with confidence, a system that can easily calculate and provide appropriate insurance amounts and periods to reduce risk is needed. However, conventional systems require users to select investment products and manually calculate insurance plans based on their risk profiles, which is a burden for many users. Furthermore, errors and inappropriate decisions in the calculation process make it difficult to obtain the optimal insurance plan. Therefore, a system that allows users to easily and accurately obtain insurance plans to reduce risk is needed.

[0436] 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.

[0437] In this invention, the server includes a means for receiving investment products and basic information entered by the user, a means for acquiring detailed information and risk profiles of investment products from a database, and an AI engine for calculating the optimal insurance amount and period based on the acquired investment product information and the user's basic information. This enables the AI ​​engine to automatically calculate an appropriate insurance plan based on information simply entered by the user and accurately provide it to the user.

[0438] The "means for receiving the investment product and basic information entered by the user" refers to the means for transmitting the investment product selected by the user and basic information such as age, income, and family composition from the terminal to the server.

[0439] The "means for obtaining detailed information and risk profiles of investment products from a database" refers to the means by which the server accesses a database and obtains detailed information of a selected investment product and its corresponding risk profile.

[0440] The "AI engine" is an artificial intelligence engine that calculates the optimal insurance amount and period based on the acquired investment product information and basic information of the user.

[0441] The "means for generating an insurance plan" refers to a means for generating a specific insurance plan based on the insurance amount and period calculated by the AI ​​engine.

[0442] The "means for transmitting the generated insurance plan to the user's terminal" is a means for transmitting the insurance plan generated by the server to the user's terminal.

[0443] "Means for displaying an insurance plan on a user terminal and accepting a user's approval or recalculation request" refers to means for displaying a generated insurance plan on a user's terminal and allowing the user to approve the plan or request a recalculation.

[0444] "User Interface" means a graphical interface through which a user selects an investment product and enters basic information.

[0445] A "generative AI model" is a generative AI engine used to calculate the optimal insurance amount and period based on the user's basic information and the risk profile of the investment product.

[0446] The present invention is a system that supports users, including those with no investment experience, in making safe investments. This system reduces investment risks by linking the server, terminals, and users to provide optimal insurance amounts and periods.

[0447] Server side:

[0448] The server receives a request from a user. This request includes the investment product and basic information, such as the user's selected investment product, age, income, and family composition. The server receives this information via the API endpoint and compiles it. Next, the server retrieves detailed information and risk profile of the selected investment product from a database. This database stores detailed information such as the risk assessment and past performance of each investment product. Based on the retrieved data, the server then uses a generative AI model (e.g., GPT-4) to analyze the user's basic information and the investment product's risk profile and calculate the optimal insurance amount and term. This analysis is performed by inputting a prompt to the AI ​​engine: "Please calculate the optimal insurance amount and term based on the user's age, income, family composition, and the risk profile of the selected investment product." Finally, the server generates an insurance plan based on the calculated results and sends it to the user's device.

[0449] Terminal processing:

[0450] The terminal provides an interface for the user to operate. In this interface, the user can select an investment product and enter basic information. After the user has entered the information, the terminal prepares this data for transmission to the server and sends it to the server via API. When the insurance plan is sent from the server, the terminal receives it and displays it on the user interface. Based on this display, the user can review the plan and request approval or recalculation.

[0451] User Action:

[0452] The user first selects an investment product through the user interface displayed on the terminal. For example, they can choose products such as stock investment or real estate investment. Next, they enter basic information, including the user's age, income, and family composition. Once the information has been entered, the data is sent to the server via the terminal. The user checks the insurance plan sent from the server, and if they are satisfied with the contents, they click the "Approve" button on the terminal. If they are not satisfied, they can click the "Request Recalculation" button to request a new calculation of the insurance plan.

[0453] Examples:

[0454] For example, consider a 35-year-old married user with one child who earns 5 million yen a year who selects "stock investment." The user selects a product through the interface and enters basic information. The input information is sent to the server, which retrieves detailed information and risk profile of the relevant investment product from the database. The generative AI model then inputs a prompt statement: "Please calculate the optimal insurance amount and term based on the user's age, income, family composition, and the risk profile of the selected investment product." The AI ​​engine then calculates the optimal insurance plan. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. The user reviews the plan, and if satisfied with the contents, approves it and begins investing.

[0455] The system of the present invention allows users to easily and accurately obtain insurance plans to reduce risks and make investments with peace of mind.

[0456] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0457] Step 1:

[0458] The user selects an investment product and enters basic information through the interface displayed on the device. This basic information includes age, income, and family composition. Specifically, the user selects an investment product from a selection menu and enters various information using text fields and drop-down lists. Accurate and detailed information is required because the information entered here will be used for subsequent analysis.

[0459] Input: Investment product selection and basic information (age, income, family composition)

[0460] Output: Input data saved on the device

[0461] Step 2:

[0462] The terminal sends the investment product and basic information entered by the user to the server. Specifically, the input data is converted into an appropriate format (e.g., JSON) and sent to the server as an HTTP request via an API endpoint. Error checking is performed here to ensure data integrity and successful transmission.

[0463] Input: Investment product and basic information entered by the user

[0464] Output: Request sent to the server

[0465] Step 3:

[0466] The server issues a database query based on the user information and investment product information received from the terminal to obtain detailed information and risk profiles for the relevant investment products. Specifically, the server generates an SQL query and executes it against the database, while verifying the consistency and completeness of the retrieved data.

[0467] Input: User information and investment product information received from the terminal

[0468] Output: Investment product details and risk profile retrieved from the database

[0469] Step 4:

[0470] The server passes the acquired investment product information and the user's basic information to the AI ​​engine. The AI ​​engine analyzes this information using a generative AI model (e.g., GPT-4) and calculates the optimal insurance amount and term. Specifically, the server inputs a prompt to the AI ​​engine: "Please calculate the optimal insurance amount and term based on the user's age, income, family composition, and the risk profile of the selected investment product." The AI ​​engine performs calculations based on this prompt and returns the results.

[0471] Input: Investment product details and risk profile obtained from the database, basic user information

[0472] Output: Optimal insurance amount and period obtained from the AI ​​engine

[0473] Step 5:

[0474] The server receives the analysis results from the AI ​​engine and generates an insurance plan based on them. Specifically, the server formats the received data and creates a specific insurance plan including the insurance amount and period. This insurance plan also includes an explanation and reasons for selection to make it easy for the user to understand.

[0475] Input: Optimal insurance amount and period obtained from the AI ​​engine

[0476] Output: Generate an insurance plan

[0477] Step 6:

[0478] The server sends the generated insurance plan to the device. Specifically, it converts the insurance plan into an appropriate format (for example, JSON format) and sends it to the device as an HTTP response via the API endpoint. Again, error checking is performed to ensure the transmission was successful.

[0479] Input: Generated insurance plan

[0480] Output: Insurance plan sent to the device

[0481] Step 7:

[0482] The terminal displays the insurance plan received from the server on the user interface. The user can confirm this display and approve or request a recalculation. Specifically, the user clicks the "Approve" button or the "Request Recalculation" button. The terminal then sends this operation back to the server to request a recalculation or final approval. At this step, additional explanations and supplementary information are also provided to help the user understand.

[0483] Input: Insurance plan sent from the server, user's operation (approval or recalculation request)

[0484] Output: User approves or submits recalculation request

[0485] (Application example 1)

[0486] 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."

[0487] In conventional investment systems, users, especially those investing for the first time, often invest without fully understanding the risks, resulting in a high risk of loss. Furthermore, insurance plans to reduce the risks associated with investing were not linked to the investment products, leaving users without a secure investment environment. Addressing these issues, there is a need to provide an environment where users can invest while reducing risk when purchasing investment products on online shopping sites.

[0488] 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.

[0489] In this invention, the server includes means for acquiring a risk profile of an investment product, means for acquiring basic information of a user, an AI engine for calculating an optimal insurance amount and period based on the risk profile of the investment product and the basic information of the user, means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine, and means for displaying the insurance plan when the user purchases an investment product on an online shopping site.As a result, when a user purchases an investment product on an online shopping site, an optimal insurance plan is proposed, thereby reducing risk and enabling the user to invest with peace of mind.

[0490] "Risk profile of an investment product" means information that indicates the risk characteristics and risk level of the relevant investment product.

[0491] "Basic user information" refers to basic personal data such as the user's age, income, and family structure.

[0492] An "AI engine" is a program or system that uses artificial intelligence to analyze data and calculate specific results.

[0493] "Insurance Plan" means the contents and terms of insurance offered to a user to reduce the risk associated with an investment product.

[0494] An "online shopping site" is a website that sells products and services over the Internet.

[0495] An "interface" is a screen or means by which a user inputs information or performs operations on a system.

[0496] A "premium plan" is a plan that includes additional services and benefits over a standard insurance plan.

[0497] The present invention is a system for providing an optimal insurance plan to a user so that the user can reduce risk when purchasing investment products via an online shopping site. Specific embodiments of the system are described below.

[0498] System Program

[0499] Process Overview

[0500] server:

[0501] The server first receives the selection and basic information of the investment product sent by the user.

[0502] Based on the received data, the risk profile of the selected investment product is obtained from the database in the server.

[0503] Next, an AI engine is used to analyze the user's basic information and the risk profile of the investment product, and calculate the optimal insurance amount and period.

[0504] Finally, an insurance plan is generated based on the calculated data and sent to the user's terminal.

[0505] Specific software and hardware used:

[0506] AI engines: machine learning libraries such as TensorFlow and PyTorch

[0507] Database: A relational database such as MySQL or PostgreSQL

[0508] Server Hardware: Ubuntu-based server

[0509] Device:

[0510] The terminal provides a user interface to assist the user in the process of selecting an investment product and entering basic information.

[0511] Sends the data entered by the user to the server.

[0512] The insurance plan sent from the server is received and displayed to the user.

[0513] Specific software used:

[0514] User Interface: Cross-platform development tools such as React Native and Flutter

[0515] Adding specific examples

[0516] User Operation Scenarios

[0517] Let's say User A (35 years old, annual income of 5 million yen, married, one child) selects "stock investment" on an online shopping site. User A selects a product through the device interface and enters basic information. The device then sends this data to the server.

[0518] Based on the received data, the server retrieves the risk profile of "stock investment" from the database and uses an AI engine to calculate the optimal insurance amount and period. As a result, a plan with an insurance amount of 1 million yen and a period of 5 years is generated and sent to the terminal. User A checks the plan, and if satisfied with the contents, he or she can approve it and begin investing.

[0519] Example prompts to be input to the generative AI model

[0520] If a user selects "Stock investment" based on the following criteria: age 35, income 5 million yen, married, with one child, use an AI engine to calculate the optimal insurance plan.

[0521] As described above, this invention is a system that proposes optimal insurance plans when a user purchases investment products on an online shopping site, and provides an environment in which users can invest with peace of mind while reducing risk.

[0522] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0523] Step 1:

[0524] The user selects an investment product and enters basic information

[0525] Users select an investment product through the terminal interface and enter basic information such as their age, income, and family composition.

[0526] Input: Investment product options, user age, income, family structure

[0527] Output: Investment product selection data, basic information data

[0528] Step 2:

[0529] The device sends the user's input data to the server.

[0530] The terminal transmits the investment product selection data and basic information data input by the user to the server.

[0531] Input: Investment product selection data, basic information data

[0532] Output: Data sent to the server

[0533] Step 3:

[0534] The server retrieves the risk profile of the investment product.

[0535] Based on the received data, the server obtains the risk profile of the selected investment product from the database.

[0536] Input: Investment product selection data

[0537] Output: Risk profile data for investment products

[0538] What happens: The server issues an SQL query to retrieve the risk profile from the database.

[0539] Step 4:

[0540] AI engine calculates optimal insurance amount and period

[0541] The server's AI engine analyzes the user's basic information and the risk profile data of the investment product to calculate the optimal insurance amount and period.

[0542] Input: User basic information data, investment product risk profile data

[0543] Output: Optimal insurance amount and period data

[0544] Specific operation: Using machine learning libraries such as TensorFlow and PyTorch, the system analyzes data and calculates optimal insurance plans.

[0545] Step 5:

[0546] The server generates the insurance plan and sends it to the device.

[0547] The server generates an insurance plan based on the insurance amount and period calculated by the AI ​​engine and sends it to the user's device.

[0548] Input: Optimal insurance amount and period data

[0549] Output: Insurance plan data, data sent to device

[0550] Specific behavior: Runs the algorithm to generate an insurance plan and sends the generated plan.

[0551] Step 6:

[0552] The device displays the insurance plan to the user.

[0553] The terminal displays the received insurance plan to the user, who can review the plan and approve or request a recalculation.

[0554] Input: Insurance plan data

[0555] Output: Data displayed to the user

[0556] Specific behavior: Display insurance plan details through the device's user interface

[0557] Step 7:

[0558] User reviews insurance plan and requests approval or recalculation

[0559] The user can check the insurance plan displayed on the device, and if they are satisfied with the plan, they can approve it and start investing. If they are not satisfied, they can request a recalculation.

[0560] Input: User's choice

[0561] Output: Insurance plan approval data or recalculation request data

[0562] Specific operation: The terminal sends approval data or recalculation request data based on the user's selection to the server.

[0563] As described above, the server, terminal, and user work together to provide an environment in which users can invest with peace of mind.

[0564] 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.

[0565] The present invention is a system that allows users, including those with no investment experience, to invest with confidence, and in particular, by including an emotion engine that recognizes the user's emotions, the investment process becomes safer and more reliable. Each processing step of the present invention will be specifically described below.

[0566] Server side:

[0567] The server first receives a request from the user to select an investment product and enter basic information. The request includes the user ID, investment product ID, and the user's basic information (age, income, family composition, etc.). The server then retrieves detailed information about the selected investment product from the database. Based on the retrieved data, the AI ​​engine analyzes the user's basic information and the investment product's risk profile, and calculates the optimal insurance amount and period. Based on these results, the server generates an insurance plan and sends it to the user's device. In addition, an emotion engine is also used to recognize the user's emotions, and emotional information is obtained when the user confirms the insurance plan, which is used to adjust the insurance plan.

[0568] Terminal processing:

[0569] The terminal provides a user interface and assists the user in the process of selecting an investment product and entering basic information. Once the user has completed the input, the terminal transmits this data to the server. The terminal receives the insurance plan transmitted from the server and displays it to the user. Furthermore, the emotion engine has a feedback function for recognizing the user's emotions, and collects emotion information when the user confirms the insurance plan and transmits it to the server. This emotion information is used to adjust the contents of the insurance plan, allowing the terminal to provide a plan that is more suitable for the user.

[0570] User Action:

[0571] Users first select an investment product through the interface displayed on their device and enter basic information, including age, income, and family composition. The insurance plan sent from the server is then reviewed, and an emotion engine recognizes the user's emotions. If the user has negative feelings about the plan, they can request a recalculation or improvement.

[0572] Specific use cases:

[0573] For example, consider the case where User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product. User A selects the product on the device interface and enters basic information. The device sends this data to the server. The server uses an AI engine to calculate the optimal insurance plan based on the acquired basic information and the risk profile of the investment product. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. User A checks the plan, and the emotion engine recognizes the user's emotions at that time. If User A feels anxious or dissatisfied, this emotional information is sent to the server, which takes this into account when recalculating the plan and presents a plan that is more satisfactory to User A.

[0574] In this way, the present invention provides an environment in which users can invest with greater peace of mind while reducing risk by taking into consideration the user's emotions.

[0575] The processing flow will be explained below.

[0576] Server side:

[0577] Step 1:

[0578] The server receives a request from the user to select an investment product and enter basic information. The request includes the user ID, investment product ID, and basic information about the user (age, income, family composition, etc.).

[0579] Step 2:

[0580] The server retrieves detailed information about the selected investment product from the database, including the investment product's risk profile and historical performance data.

[0581] Step 3:

[0582] The AI ​​engine on the server receives the risk profile of the acquired investment product and the user's basic information as input and calculates the optimal insurance amount and period. The AI ​​engine uses a pre-trained machine learning algorithm.

[0583] Step 4:

[0584] The server generates an insurance plan based on the insurance amount and period calculated by the AI ​​engine, and the generated insurance plan includes details of the specific insurance amount, period, and risk avoidance.

[0585] Step 5:

[0586] The server transmits the generated insurance plan to the user's terminal.

[0587] Step 6:

[0588] The server receives the user's emotional information sent from the device and uses it to adjust the insurance plan, and may even recalculate a new plan based on the emotional information.

[0589] Terminal processing:

[0590] Step 1:

[0591] The terminal displays a user interface that includes a list of investment products and a form for entering basic information.

[0592] Step 2:

[0593] The user selects an investment product and enters basic information. After completing the input, the terminal transmits this data to the server.

[0594] Step 3:

[0595] The terminal receives the insurance plan returned from the server, which includes detailed information about the insurance amount, period, and risk.

[0596] Step 4:

[0597] The terminal displays the received insurance plan to the user, allowing the user to check the details of the insurance plan.

[0598] Step 5:

[0599] The device uses an emotion engine to recognize the user's emotions, analyzing the user's facial expressions, tone of voice, input behavior, etc. to extract emotional information.

[0600] Step 6:

[0601] The device transmits the extracted emotion information to the server so that the server can readjust the insurance plan based on the emotion information.

[0602] User Action:

[0603] Step 1:

[0604] The user selects an investment product through an interface displayed on the terminal.

[0605] Step 2:

[0606] The user enters basic information (age, income, family composition, etc.) for the selected investment product.

[0607] Step 3:

[0608] The user checks the insurance plan sent from the server, and the user's emotions are recognized by the emotion engine on the device.

[0609] Step 4:

[0610] If the user is satisfied with the proposed plan, they can approve it, or if they are dissatisfied with the plan, they can request a recalculation. If dissatisfied, the emotion engine sends the emotion to the server, which then makes adjustments.

[0611] This allows the system to provide optimal insurance plans while taking into consideration the user's feelings.

[0612] Example 2

[0613] 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."

[0614] Current investment systems make it difficult for users to select investment products with confidence. For those with no investment experience, assessing investment risks and selecting insurance plans can be a major source of anxiety. Furthermore, the system does not consider users' feelings during the investment process, making it difficult to provide users with safety and trust.

[0615] 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.

[0616] In this invention, the server includes a means for receiving a request from a user to select an investment product and input basic information, a means for retrieving information on the selected investment product from a database, and an AI engine for analyzing the user's basic information and the risk profile of the investment product, thereby enabling the user to be offered an optimal insurance plan while minimizing risk.

[0617] Furthermore, in this invention, the server includes means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine, means for transmitting the insurance plan to the user's terminal, an emotion engine for recognizing emotions when the user confirms the insurance plan, and means for adjusting the insurance plan based on emotion information acquired by the emotion engine, thereby making it possible to provide a more appropriate insurance plan that takes user emotions into consideration.

[0618] The "means for receiving a request from a user to select an investment product and input basic information" is a mechanism by which the server receives a request from the user to select an investment product and input basic information about the investment.

[0619] The "means for obtaining information on the selected investment product from the database" is a function for obtaining detailed information on the investment product selected by the user from the database.

[0620] The "AI engine that analyzes the user's basic information and the risk profile of investment products" is an engine that uses AI technology to analyze the user's basic information and the risk profile of investment products, and derives the optimal investment strategy.

[0621] "Means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine" refers to a mechanism for generating a specific insurance plan based on the insurance amount and period calculated by the AI ​​engine.

[0622] The "means for transmitting the insurance plan to the user's terminal" is a function for transmitting the generated insurance plan to the user's terminal so that the user can check it.

[0623] The "emotion engine that recognizes emotions when users check insurance plans" is an engine that recognizes and analyzes the emotional state of users while they are checking insurance plans.

[0624] The "means for adjusting the insurance plan based on the emotional information acquired by the emotion engine" is a mechanism for recalculating and adjusting the insurance plan based on the emotional information of the user acquired by the emotion engine.

[0625] The present invention is a system that allows users, including those with no investment experience, to invest with confidence. In particular, the present invention includes an emotion engine that recognizes the user's emotions, making the investment process safer and more reliable.

[0626] Server Action:

[0627] The server first receives a request from the user to select an investment product and enter basic information. This request includes the user ID, investment product ID, and the user's basic information (age, income, family composition, etc.). The server then retrieves detailed information about the selected investment product from a relational database. This database, for example, uses MySQL. Based on the retrieved data, an AI engine built with Python analyzes the user's basic information and the investment product's risk profile. Based on the results of the analysis, Node.js is used to calculate the insurance amount and investment period and generate a specific insurance plan. The server then sends the generated insurance plan to the user's device. In addition, an emotion engine using IBM Watson is also used to obtain emotional information when the user reviews the insurance plan, and this data is analyzed to help adjust the insurance plan.

[0628] Terminal handling:

[0629] The terminal provides a user interface and assists the user in the process of selecting an investment product and entering basic information. This interface is built with React. Once the user has completed the input, the terminal sends this data to the server. The terminal receives the insurance plan sent from the server and displays it to the user. In addition, the emotion engine has a feedback function to recognize the user's emotions, and collects emotional information when the user confirms the insurance plan and sends it to the server. This emotional information is used to adjust the contents of the insurance plan, allowing the terminal to provide a plan that is more suitable for the user.

[0630] User Action:

[0631] Users first select an investment product through the interface displayed on their device and enter basic information, such as age, income, and family composition. They then review the insurance plan sent from the server, and the emotion engine recognizes the user's emotions. If the user has negative feelings about the plan, they can request a recalculation or improvement.

[0632] Specific use cases:

[0633] For example, if User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product, User A selects the product on the device interface and enters basic information. The device sends this data to the server. The server uses an AI engine built in Python to calculate the optimal insurance plan based on the acquired basic information and the investment product's risk profile. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. User A checks the plan, and the IBM Watson emotion engine recognizes the user's emotions. If User A feels anxious or dissatisfied, this emotional information is sent to the server, which takes this into account when recalculating the plan and presents a plan that is more satisfactory to User A.

[0634] Example prompt for a generative AI model:

[0635] "Please explain the outline of a system that uses an emotion engine to suggest optimal insurance plans to inexperienced users when investing in stocks."

[0636] In this way, the present invention provides an environment in which users can invest with greater peace of mind while reducing risk by taking into consideration the user's emotions.

[0637] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0638] Server-side processing steps:

[0639] Step 1:

[0640] The server receives a request from the user to select an investment product and enter basic information. This request includes basic information such as the user ID, investment product ID, user age, income, and family composition. The server receives the input data and prepares it for the next process. Specifically, it analyzes the request, extracts the necessary information, and formats it.

[0641] Step 2:

[0642] The server retrieves information about the selected investment product from a database. For example, it retrieves the risk profile and historical performance data for "stock investment" from a MySQL database. It receives the request as input and queries the database to retrieve the corresponding investment product information. As output, it passes the retrieved data to the next processing step.

[0643] Step 3:

[0644] The server launches an AI engine written in Python to analyze the user's basic information and the risk profile of the investment product. The AI ​​engine receives basic information such as age, income, and family composition as input, evaluates the investment risk, and calculates the optimal insurance amount and period. It generates an outline of the optimal insurance plan as output and passes it on to the next process.

[0645] Step 4:

[0646] The server uses Node.js to generate a specific insurance plan based on the insurance amount and period calculated by the AI ​​engine. It uses the plan summary received from the AI ​​engine as input and generates a detailed insurance plan in JSON format, etc. The generated insurance plan is passed as output to the next processing step.

[0647] Step 5:

[0648] The server sends the generated insurance plan to the user's device. It receives the generated insurance plan as input and sends it to the user's device as an HTTP response. As output, the user's device can correctly receive and display the insurance plan.

[0649] Step 6:

[0650] The server runs an emotion engine using IBM Watson to recognize emotions when the user checks their insurance plan. It receives data (such as camera footage and audio data) from the user's insurance plan check as input and performs emotion analysis. As output, it obtains the user's emotional information and passes it to the next processing step.

[0651] Step 7:

[0652] The server adjusts the insurance plan based on the emotional information acquired by the emotion engine. It receives the user's emotional information as input and recalculates and adjusts the insurance plan as necessary. As output, it generates the adjusted insurance plan and presents it to the user again.

[0653] Terminal processing steps:

[0654] Step 1:

[0655] The terminal provides a user interface and guides the user through the process of selecting an investment product and entering basic information. This interface is built with React. It receives user actions (clicks, form entries, etc.) as input and prepares them for further processing. As output, it sends the input data to the next processing step.

[0656] Step 2:

[0657] The terminal sends the data entered by the user to the server. As input, it receives the investment product selected by the user and basic information and sends it to the server as an HTTP request. As output, the server receives the data required for the next processing step.

[0658] Step 3:

[0659] The terminal receives the insurance plan sent from the server and displays it to the user. As input, it receives the insurance plan data from the server, formats it in the UI, and displays it. As output, the user can check the insurance plan.

[0660] Step 4:

[0661] The device provides a feedback function to enable the emotion engine to recognize the user's emotions. As input, the device receives the user's reaction data (e.g., camera footage, audio data, etc.) and sends it to the emotion engine. As output, the emotion information is sent to the server.

[0662] User process steps:

[0663] Step 1:

[0664] The user selects an investment product through the interface displayed on the terminal. As input, the user performs an action on the terminal UI to determine the selected data. As output, the investment product information selected by the user is passed to the next processing step.

[0665] Step 2:

[0666] The user enters basic information such as age, income, family composition, etc. As input, text and numerical data are entered through the UI and sent to the terminal. As output, the basic information is sent to the next processing step.

[0667] Step 3:

[0668] The user checks the insurance plan sent from the server. As input, the user visually checks the insurance plan displayed on the terminal. As output, the user's feelings and opinions about the plan are reflected in the next processing step.

[0669] Step 4:

[0670] The user provides feedback on their feelings about the insurance plan via the device. As input, emotion information is provided via the device's camera and microphone. As output, the emotion information is passed to the emotion engine and reflected on the server.

[0671] Specific use cases:

[0672] For example, if User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product, his or her selection and basic information are sent to the server via the device. The server uses this information to retrieve investment information from the database and calculates an insurance plan using an AI engine. The calculation results are sent to the device, and User A confirms the plan. When confirming, the emotion engine analyzes User A's emotions, and if anxiety or dissatisfaction is detected, the server readjusts the plan and presents it to User A.

[0673] Example prompt for a generative AI model:

[0674] "Please explain the specific process flow and operation of a system that uses an emotion engine to suggest optimal insurance plans to inexperienced users when they invest in stocks."

[0675] (Application example 2)

[0676] 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."

[0677] Conventional investment support systems do not take users' emotions into consideration and simply present optimal insurance plans based on the risk profile of the investment product and the user's basic information, which can cause anxiety for users who are inexperienced in investing or who are sensitive to emotions. This often causes users to feel anxious about making investment decisions, making it difficult to encourage investment behavior.

[0678] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[0679] a means of obtaining the risk profile of an investment product;

[0680] A means for obtaining basic information about a user;

[0681] an AI engine that calculates the optimal insurance amount and period based on the risk profile of the investment product and basic information of the user;

[0682] A means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine;

[0683] means for displaying said insurance plan to a user;

[0684] and means for adjusting the insurance plan based on the emotion information, the emotion engine being provided to recognize the user's emotion in real time.

[0685] This allows users to make investments with peace of mind by presenting optimal insurance plans that take into account their feelings.

[0686] "Risk profile of an investment product" means information that indicates the characteristics and trends of risks associated with an investment product.

[0687] "Basic user information" refers to basic personal information required when making an investment, such as the user's age, income, and family composition.

[0688] An "AI engine" is a software or hardware system that uses artificial intelligence to automate specific tasks.

[0689] "Insurance Plan" means a plan that indicates the specific content and structure of insurance provided to a User to mitigate risk when making an investment.

[0690] An "emotion engine" is a technology or system for recognizing and analyzing emotions from a user's facial expressions, voice, etc.

[0691] "Means for adjustment" refers to a method or process for appropriately changing the plan presented to the user based on the results of the emotion engine.

[0692] "Display means" refers to an interface for visually displaying information on the user's terminal.

[0693] The present invention is a system that allows users, including those with no investment experience, to invest with confidence, and in particular, by including an emotion engine that recognizes the user's emotions, it makes the investment process safer and more reliable.

[0694] Server side:

[0695] The server first receives a request from the user to select an investment product and enter basic information. The request includes the user ID, investment product ID, and the user's basic information (age, income, family composition, etc.). The server then retrieves detailed information about the selected investment product from the database. Based on the retrieved data, the AI ​​engine analyzes the user's basic information and the investment product's risk profile, and calculates the optimal insurance amount and period. Based on these results, the server generates an insurance plan and sends it to the user's device. In addition, an emotion engine is also used to recognize the user's emotions, and emotional information is obtained when the user confirms the insurance plan, which is used to adjust the insurance plan.

[0696] The hardware used includes high-performance servers, and the software uses an AI engine (e.g., a TensorFlow-based model) and an emotion recognition engine (e.g., OpenCV and the EmotionRecognition library), while the database software uses, for example, MySQL.

[0697] Terminal processing:

[0698] The terminal provides a user interface and assists the user in the process of selecting an investment product and entering basic information. Once the user has completed the input, the terminal transmits this data to the server. The terminal receives the insurance plan transmitted from the server and displays it to the user. Furthermore, the emotion engine has a feedback function for recognizing the user's emotions, and collects emotion information when the user confirms the insurance plan and transmits it to the server. This emotion information is used to adjust the contents of the insurance plan, allowing the terminal to provide a plan that is more suitable for the user.

[0699] User Action:

[0700] The user first selects an investment product and enters basic information, such as age, income, and family composition, through the interface displayed on the device. The user then checks the insurance plan sent from the server, at which point the emotion engine recognizes the user's emotions. If the user has negative emotions about the plan, this emotion information is sent to the server, which takes this into account when recalculating the plan and presents a more satisfactory plan to the user.

[0701] As a concrete example, let's consider the case where a user operates a smartphone. The user uses the smartphone's camera to read their facial expressions, which are then analyzed by the emotion engine. Based on the analysis results, the insurance plan is adjusted and displayed in real time.

[0702] Example prompt sentence:

[0703] "Build an application that captures users' facial expressions and recognizes their emotions in real time to optimize their investment plans."

[0704] In this way, the present invention provides an environment in which users can invest with greater peace of mind while reducing risk by taking into consideration the user's emotions.

[0705] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0706] Step 1: Entering User Data

[0707] The user uses the terminal interface to input basic information such as age, income, and family composition. They also select an investment product. This input data includes the user ID, investment product ID, and basic information about the user. The terminal then sends this data to the server.

[0708] Input: Age, income, family composition, user ID, investment product ID

[0709] Output: Basic information and investment product selection data

[0710] Step 2: Obtain a risk profile

[0711] The server retrieves detailed information about the selected investment product from the database based on the received user basic information and investment product ID, including the risk profile of the investment product.

[0712] Input: User's basic information, investment product ID

[0713] Output: Risk profile of the investment product

[0714] Step 3: Calculate the best insurance plan

[0715] The server inputs the acquired user's basic information and risk profile into the AI ​​engine, which then calculates the optimal insurance amount and period based on this information and generates an insurance plan.

[0716] Input: User's basic information, investment product risk profile

[0717] Output: Insurance amount, insurance period, insurance plan

[0718] Step 4: View your insurance plan

[0719] The terminal receives the insurance plan sent from the server and visually displays it to the user, who then confirms the plan.

[0720] Input: Insurance Plan

[0721] Output: A visual representation of the insurance plan

[0722] Step 5: Capturing and recognizing emotions

[0723] When a user checks the displayed insurance plan, the device's camera is used to capture the user's facial expression. The captured facial expression data is input into the emotion engine, and the emotional information is analyzed.

[0724] Input: User's facial expression data

[0725] Output: Emotional information (e.g., anxiety, relief, satisfaction, dissatisfaction)

[0726] Step 6: Send emotional information and readjust your plan

[0727] The user's emotional information is sent to the server. The server recalculates the insurance plan based on the emotional information and creates a plan that is more suitable for the user. The recalculated plan is sent back to the terminal and displayed to the user.

[0728] Input: Emotion information

[0729] Output: Rebalanced insurance plan

[0730] Through the above processing steps, the system is able to provide the optimal insurance plan that takes into account the user's feelings.

[0731] 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.

[0732] 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.

[0733] 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.

[0734] [Third embodiment]

[0735] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[0736] 5, the data processing system 310 includes the data processing device 12 and a headset type terminal 314. An example of the data processing device 12 is a server.

[0737] 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).

[0738] 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.

[0739] 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.

[0740] 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).

[0741] 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.

[0742] 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.

[0743] 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.

[0744] 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.

[0745] 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.

[0746] 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."

[0747] The present invention is a system that allows users, including those with no investment experience, to invest with confidence. This system reduces investment risk by providing optimal insurance amounts and periods through mutual cooperation between the server, terminals, and users. Each processing step of the present invention is specifically described below.

[0748] Server side:

[0749] The server first receives a request from the user. The request includes data on investment product selection and basic information input. The server then retrieves detailed information on the selected investment product from the database. Based on the retrieved data, the AI ​​engine analyzes the user's basic information and the investment product's risk profile, and calculates the optimal insurance amount and period. Based on the results, the server generates an insurance plan and sends it to the user's device.

[0750] Terminal processing:

[0751] The terminal provides a user interface and guides the user through the process of selecting an investment product and entering basic information. Once the user has completed the input, the terminal transmits this data to the server. The terminal receives the insurance plan sent from the server and displays it to the user. The terminal provides operations that allow the user to review the plan and request approval or recalculation.

[0752] User Action:

[0753] First, the user selects an investment product through the interface displayed on the terminal and enters basic information, such as age, income, and family composition. The user then checks the insurance plan sent from the server, and if satisfied with the plan, approves it. If not, the user can request a recalculation to obtain the optimal plan.

[0754] Specific use cases:

[0755] For example, consider the case where User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product. User A selects the product on the device interface and enters basic information. The device sends this data to the server. The server uses an AI engine to calculate the optimal insurance plan based on the acquired basic information and the risk profile of the investment product. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. User A checks the plan, and if satisfied with the contents, approves it and begins investing.

[0756] In this way, the present invention provides an environment that makes it easier for users to make investments while reducing risk.

[0757] The processing flow will be explained below.

[0758] Server side:

[0759] Step 1:

[0760] The server receives a request from the user to select an investment product and enter basic information. The received request includes the user ID, investment product ID, and basic information of the user (age, income, family composition, etc.).

[0761] Step 2:

[0762] The server retrieves detailed information about the selected investment product from the database, including the investment product's risk profile and historical performance data.

[0763] Step 3:

[0764] The AI ​​engine on the server receives the risk profile of the acquired investment product and the user's basic information as input and calculates the optimal insurance amount and period. The AI ​​engine uses a pre-trained machine learning algorithm.

[0765] Step 4:

[0766] The server generates an insurance plan based on the insurance amount and period calculated by the AI ​​engine, and the generated insurance plan includes details of the specific insurance amount, period, and risk avoidance.

[0767] Step 5:

[0768] The server transmits the generated insurance plan to the user's terminal.

[0769] Terminal processing:

[0770] Step 1:

[0771] The terminal displays a user interface that includes a list of investment products and a form for entering basic information.

[0772] Step 2:

[0773] The user selects an investment product and enters basic information. After completing the input, the terminal transmits this data to the server.

[0774] Step 3:

[0775] The terminal receives the insurance plan returned from the server, which includes detailed information about the insurance amount, period, and risk.

[0776] Step 4:

[0777] The terminal displays the received insurance plan to the user, allowing the user to check the details of the insurance plan.

[0778] Step 5:

[0779] The terminal provides an interface for the user to approve the plan or request a recalculation, allowing the user to select the next action.

[0780] User Action:

[0781] Step 1:

[0782] The user selects an investment product through an interface displayed on the terminal.

[0783] Step 2:

[0784] The user enters basic information (age, income, family composition, etc.) for the selected investment product.

[0785] Step 3:

[0786] The user checks the insurance plan sent from the server.

[0787] Step 4:

[0788] If the user is satisfied with the proposed plan, they can accept it, or if they are not satisfied with the plan, they can request a recalculation.

[0789] Example 1

[0790] 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."

[0791] In order for users, including those with no investment experience, to invest with confidence, a system that can easily calculate and provide appropriate insurance amounts and periods to reduce risk is needed. However, conventional systems require users to select investment products and manually calculate insurance plans based on their risk profiles, which is a burden for many users. Furthermore, errors and inappropriate decisions in the calculation process make it difficult to obtain the optimal insurance plan. Therefore, a system that allows users to easily and accurately obtain insurance plans to reduce risk is needed.

[0792] 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.

[0793] In this invention, the server includes a means for receiving investment products and basic information entered by the user, a means for acquiring detailed information and risk profiles of investment products from a database, and an AI engine for calculating the optimal insurance amount and period based on the acquired investment product information and the user's basic information. This enables the AI ​​engine to automatically calculate an appropriate insurance plan based on information simply entered by the user and accurately provide it to the user.

[0794] The "means for receiving the investment product and basic information entered by the user" refers to the means for transmitting the investment product selected by the user and basic information such as age, income, and family composition from the terminal to the server.

[0795] The "means for obtaining detailed information and risk profiles of investment products from a database" refers to the means by which the server accesses a database and obtains detailed information of a selected investment product and its corresponding risk profile.

[0796] The "AI engine" is an artificial intelligence engine that calculates the optimal insurance amount and period based on the acquired investment product information and basic information of the user.

[0797] The "means for generating an insurance plan" refers to a means for generating a specific insurance plan based on the insurance amount and period calculated by the AI ​​engine.

[0798] The "means for transmitting the generated insurance plan to the user's terminal" is a means for transmitting the insurance plan generated by the server to the user's terminal.

[0799] "Means for displaying an insurance plan on a user terminal and accepting a user's approval or recalculation request" refers to means for displaying a generated insurance plan on a user's terminal and allowing the user to approve the plan or request a recalculation.

[0800] "User Interface" means a graphical interface through which a user selects an investment product and enters basic information.

[0801] A "generative AI model" is a generative AI engine used to calculate the optimal insurance amount and period based on the user's basic information and the risk profile of the investment product.

[0802] The present invention is a system that supports users, including those with no investment experience, in making safe investments. This system reduces investment risks by linking the server, terminals, and users to provide optimal insurance amounts and periods.

[0803] Server side:

[0804] The server receives a request from a user. This request includes the investment product and basic information, such as the user's selected investment product, age, income, and family composition. The server receives this information via the API endpoint and compiles it. Next, the server retrieves detailed information and risk profile of the selected investment product from a database. This database stores detailed information such as the risk assessment and past performance of each investment product. Based on the retrieved data, the server then uses a generative AI model (e.g., GPT-4) to analyze the user's basic information and the investment product's risk profile and calculate the optimal insurance amount and term. This analysis is performed by inputting a prompt to the AI ​​engine: "Please calculate the optimal insurance amount and term based on the user's age, income, family composition, and the risk profile of the selected investment product." Finally, the server generates an insurance plan based on the calculated results and sends it to the user's device.

[0805] Terminal processing:

[0806] The terminal provides an interface for the user to operate. In this interface, the user can select an investment product and enter basic information. After the user has entered the information, the terminal prepares this data for transmission to the server and sends it to the server via API. When the insurance plan is sent from the server, the terminal receives it and displays it on the user interface. Based on this display, the user can review the plan and request approval or recalculation.

[0807] User Action:

[0808] The user first selects an investment product through the user interface displayed on the terminal. For example, they can choose products such as stock investment or real estate investment. Next, they enter basic information, including the user's age, income, and family composition. Once the information has been entered, the data is sent to the server via the terminal. The user checks the insurance plan sent from the server, and if they are satisfied with the contents, they click the "Approve" button on the terminal. If they are not satisfied, they can click the "Request Recalculation" button to request a new calculation of the insurance plan.

[0809] Examples:

[0810] For example, consider a 35-year-old married user with one child who earns 5 million yen a year who selects "stock investment." The user selects a product through the interface and enters basic information. The input information is sent to the server, which retrieves detailed information and risk profile of the relevant investment product from the database. The generative AI model then inputs a prompt statement: "Please calculate the optimal insurance amount and term based on the user's age, income, family composition, and the risk profile of the selected investment product." The AI ​​engine then calculates the optimal insurance plan. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. The user reviews the plan, and if satisfied with the contents, approves it and begins investing.

[0811] The system of the present invention allows users to easily and accurately obtain insurance plans to reduce risks and make investments with peace of mind.

[0812] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0813] Step 1:

[0814] The user selects an investment product and enters basic information through the interface displayed on the device. This basic information includes age, income, and family composition. Specifically, the user selects an investment product from a selection menu and enters various information using text fields and drop-down lists. Accurate and detailed information is required because the information entered here will be used for subsequent analysis.

[0815] Input: Investment product selection and basic information (age, income, family composition)

[0816] Output: Input data saved on the device

[0817] Step 2:

[0818] The terminal sends the investment product and basic information entered by the user to the server. Specifically, the input data is converted into an appropriate format (e.g., JSON) and sent to the server as an HTTP request via an API endpoint. Error checking is performed here to ensure data integrity and successful transmission.

[0819] Input: Investment product and basic information entered by the user

[0820] Output: Request sent to the server

[0821] Step 3:

[0822] The server issues a database query based on the user information and investment product information received from the terminal to obtain detailed information and risk profiles for the relevant investment products. Specifically, the server generates an SQL query and executes it against the database, while verifying the consistency and completeness of the retrieved data.

[0823] Input: User information and investment product information received from the terminal

[0824] Output: Investment product details and risk profile retrieved from the database

[0825] Step 4:

[0826] The server passes the acquired investment product information and the user's basic information to the AI ​​engine. The AI ​​engine analyzes this information using a generative AI model (e.g., GPT-4) and calculates the optimal insurance amount and term. Specifically, the server inputs a prompt to the AI ​​engine: "Please calculate the optimal insurance amount and term based on the user's age, income, family composition, and the risk profile of the selected investment product." The AI ​​engine performs calculations based on this prompt and returns the results.

[0827] Input: Investment product details and risk profile obtained from the database, basic user information

[0828] Output: Optimal insurance amount and period obtained from the AI ​​engine

[0829] Step 5:

[0830] The server receives the analysis results from the AI ​​engine and generates an insurance plan based on them. Specifically, the server formats the received data and creates a specific insurance plan including the insurance amount and period. This insurance plan also includes an explanation and reasons for selection to make it easy for the user to understand.

[0831] Input: Optimal insurance amount and period obtained from the AI ​​engine

[0832] Output: Generate an insurance plan

[0833] Step 6:

[0834] The server sends the generated insurance plan to the device. Specifically, it converts the insurance plan into an appropriate format (for example, JSON format) and sends it to the device as an HTTP response via the API endpoint. Again, error checking is performed to ensure the transmission was successful.

[0835] Input: Generated insurance plan

[0836] Output: Insurance plan sent to the device

[0837] Step 7:

[0838] The terminal displays the insurance plan received from the server on the user interface. The user can confirm this display and approve or request a recalculation. Specifically, the user clicks the "Approve" button or the "Request Recalculation" button. The terminal then sends this operation back to the server to request a recalculation or final approval. At this step, additional explanations and supplementary information are also provided to help the user understand.

[0839] Input: Insurance plan sent from the server, user's operation (approval or recalculation request)

[0840] Output: User approves or submits recalculation request

[0841] (Application example 1)

[0842] 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."

[0843] In conventional investment systems, users, especially those investing for the first time, often invest without fully understanding the risks, resulting in a high risk of loss. Furthermore, insurance plans to reduce the risks associated with investing were not linked to the investment products, leaving users without a secure investment environment. Addressing these issues, there is a need to provide an environment where users can invest while reducing risk when purchasing investment products on online shopping sites.

[0844] 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.

[0845] In this invention, the server includes means for acquiring a risk profile of an investment product, means for acquiring basic information of a user, an AI engine for calculating an optimal insurance amount and period based on the risk profile of the investment product and the basic information of the user, means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine, and means for displaying the insurance plan when the user purchases an investment product on an online shopping site.As a result, when a user purchases an investment product on an online shopping site, an optimal insurance plan is proposed, thereby reducing risk and enabling the user to invest with peace of mind.

[0846] "Risk profile of an investment product" means information that indicates the risk characteristics and risk level of the relevant investment product.

[0847] "Basic user information" refers to basic personal data such as the user's age, income, and family structure.

[0848] An "AI engine" is a program or system that uses artificial intelligence to analyze data and calculate specific results.

[0849] "Insurance Plan" means the contents and terms of insurance offered to a user to reduce the risk associated with an investment product.

[0850] An "online shopping site" is a website that sells products and services over the Internet.

[0851] An "interface" is a screen or means by which a user inputs information or performs operations on a system.

[0852] A "premium plan" is a plan that includes additional services and benefits over a standard insurance plan.

[0853] The present invention is a system for providing an optimal insurance plan to a user so that the user can reduce risk when purchasing investment products via an online shopping site. Specific embodiments of the system are described below.

[0854] System Program

[0855] Process Overview

[0856] server:

[0857] The server first receives the selection and basic information of the investment product sent by the user.

[0858] Based on the received data, the risk profile of the selected investment product is obtained from the database in the server.

[0859] Next, an AI engine is used to analyze the user's basic information and the risk profile of the investment product, and calculate the optimal insurance amount and period.

[0860] Finally, an insurance plan is generated based on the calculated data and sent to the user's terminal.

[0861] Specific software and hardware used:

[0862] AI engines: machine learning libraries such as TensorFlow and PyTorch

[0863] Database: A relational database such as MySQL or PostgreSQL

[0864] Server Hardware: Ubuntu-based server

[0865] Device:

[0866] The terminal provides a user interface to assist the user in the process of selecting an investment product and entering basic information.

[0867] Sends the data entered by the user to the server.

[0868] The insurance plan sent from the server is received and displayed to the user.

[0869] Specific software used:

[0870] User Interface: Cross-platform development tools such as React Native and Flutter

[0871] Adding specific examples

[0872] User Operation Scenarios

[0873] Let's say User A (35 years old, annual income of 5 million yen, married, one child) selects "stock investment" on an online shopping site. User A selects a product through the device interface and enters basic information. The device then sends this data to the server.

[0874] Based on the received data, the server retrieves the risk profile of "stock investment" from the database and uses an AI engine to calculate the optimal insurance amount and period. As a result, a plan with an insurance amount of 1 million yen and a period of 5 years is generated and sent to the terminal. User A checks the plan, and if satisfied with the contents, he or she can approve it and begin investing.

[0875] Example prompts to be input to the generative AI model

[0876] If a user selects "Stock investment" based on the following criteria: age 35, income 5 million yen, married, with one child, use an AI engine to calculate the optimal insurance plan.

[0877] As described above, this invention is a system that proposes optimal insurance plans when a user purchases investment products on an online shopping site, and provides an environment in which users can invest with peace of mind while reducing risk.

[0878] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0879] Step 1:

[0880] The user selects an investment product and enters basic information

[0881] Users select an investment product through the terminal interface and enter basic information such as their age, income, and family composition.

[0882] Input: Investment product options, user age, income, family structure

[0883] Output: Investment product selection data, basic information data

[0884] Step 2:

[0885] The device sends the user's input data to the server.

[0886] The terminal transmits the investment product selection data and basic information data input by the user to the server.

[0887] Input: Investment product selection data, basic information data

[0888] Output: Data sent to the server

[0889] Step 3:

[0890] The server retrieves the risk profile of the investment product.

[0891] Based on the received data, the server obtains the risk profile of the selected investment product from the database.

[0892] Input: Investment product selection data

[0893] Output: Risk profile data for investment products

[0894] What happens: The server issues an SQL query to retrieve the risk profile from the database.

[0895] Step 4:

[0896] AI engine calculates optimal insurance amount and period

[0897] The server's AI engine analyzes the user's basic information and the risk profile data of the investment product to calculate the optimal insurance amount and period.

[0898] Input: User basic information data, investment product risk profile data

[0899] Output: Optimal insurance amount and period data

[0900] Specific operation: Using machine learning libraries such as TensorFlow and PyTorch, the system analyzes data and calculates optimal insurance plans.

[0901] Step 5:

[0902] The server generates the insurance plan and sends it to the device.

[0903] The server generates an insurance plan based on the insurance amount and period calculated by the AI ​​engine and sends it to the user's device.

[0904] Input: Optimal insurance amount and period data

[0905] Output: Insurance plan data, data sent to device

[0906] Specific behavior: Runs the algorithm to generate an insurance plan and sends the generated plan.

[0907] Step 6:

[0908] The device displays the insurance plan to the user.

[0909] The terminal displays the received insurance plan to the user, who can review the plan and approve or request a recalculation.

[0910] Input: Insurance plan data

[0911] Output: Data displayed to the user

[0912] Specific behavior: Display insurance plan details through the device's user interface

[0913] Step 7:

[0914] User reviews insurance plan and requests approval or recalculation

[0915] The user can check the insurance plan displayed on the device, and if they are satisfied with the plan, they can approve it and start investing. If they are not satisfied, they can request a recalculation.

[0916] Input: User's choice

[0917] Output: Insurance plan approval data or recalculation request data

[0918] Specific operation: The terminal sends approval data or recalculation request data based on the user's selection to the server.

[0919] As described above, the server, terminal, and user work together to provide an environment in which users can invest with peace of mind.

[0920] 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.

[0921] The present invention is a system that allows users, including those with no investment experience, to invest with confidence, and in particular, by including an emotion engine that recognizes the user's emotions, the investment process becomes safer and more reliable. Each processing step of the present invention will be specifically described below.

[0922] Server side:

[0923] The server first receives a request from the user to select an investment product and enter basic information. The request includes the user ID, investment product ID, and the user's basic information (age, income, family composition, etc.). The server then retrieves detailed information about the selected investment product from the database. Based on the retrieved data, the AI ​​engine analyzes the user's basic information and the investment product's risk profile, and calculates the optimal insurance amount and period. Based on these results, the server generates an insurance plan and sends it to the user's device. In addition, an emotion engine is also used to recognize the user's emotions, and emotional information is obtained when the user confirms the insurance plan, which is used to adjust the insurance plan.

[0924] Terminal processing:

[0925] The terminal provides a user interface and assists the user in the process of selecting an investment product and entering basic information. Once the user has completed the input, the terminal transmits this data to the server. The terminal receives the insurance plan transmitted from the server and displays it to the user. Furthermore, the emotion engine has a feedback function for recognizing the user's emotions, and collects emotion information when the user confirms the insurance plan and transmits it to the server. This emotion information is used to adjust the contents of the insurance plan, allowing the terminal to provide a plan that is more suitable for the user.

[0926] User Action:

[0927] Users first select an investment product through the interface displayed on their device and enter basic information, including age, income, and family composition. The insurance plan sent from the server is then reviewed, and an emotion engine recognizes the user's emotions. If the user has negative feelings about the plan, they can request a recalculation or improvement.

[0928] Specific use cases:

[0929] For example, consider the case where User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product. User A selects the product on the device interface and enters basic information. The device sends this data to the server. The server uses an AI engine to calculate the optimal insurance plan based on the acquired basic information and the risk profile of the investment product. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. User A checks the plan, and the emotion engine recognizes the user's emotions at that time. If User A feels anxious or dissatisfied, this emotional information is sent to the server, which takes this into account when recalculating the plan and presents a plan that is more satisfactory to User A.

[0930] In this way, the present invention provides an environment in which users can invest with greater peace of mind while reducing risk by taking into consideration the user's emotions.

[0931] The processing flow will be explained below.

[0932] Server side:

[0933] Step 1:

[0934] The server receives a request from the user to select an investment product and enter basic information. The request includes the user ID, investment product ID, and basic information about the user (age, income, family composition, etc.).

[0935] Step 2:

[0936] The server retrieves detailed information about the selected investment product from the database, including the investment product's risk profile and historical performance data.

[0937] Step 3:

[0938] The AI ​​engine on the server receives the risk profile of the acquired investment product and the user's basic information as input and calculates the optimal insurance amount and period. The AI ​​engine uses a pre-trained machine learning algorithm.

[0939] Step 4:

[0940] The server generates an insurance plan based on the insurance amount and period calculated by the AI ​​engine, and the generated insurance plan includes details of the specific insurance amount, period, and risk avoidance.

[0941] Step 5:

[0942] The server transmits the generated insurance plan to the user's terminal.

[0943] Step 6:

[0944] The server receives the user's emotional information sent from the device and uses it to adjust the insurance plan, and may even recalculate a new plan based on the emotional information.

[0945] Terminal processing:

[0946] Step 1:

[0947] The terminal displays a user interface that includes a list of investment products and a form for entering basic information.

[0948] Step 2:

[0949] The user selects an investment product and enters basic information. After completing the input, the terminal transmits this data to the server.

[0950] Step 3:

[0951] The terminal receives the insurance plan returned from the server, which includes detailed information about the insurance amount, period, and risk.

[0952] Step 4:

[0953] The terminal displays the received insurance plan to the user, allowing the user to check the details of the insurance plan.

[0954] Step 5:

[0955] The device uses an emotion engine to recognize the user's emotions, analyzing the user's facial expressions, tone of voice, input behavior, etc. to extract emotional information.

[0956] Step 6:

[0957] The device transmits the extracted emotion information to the server so that the server can readjust the insurance plan based on the emotion information.

[0958] User Action:

[0959] Step 1:

[0960] The user selects an investment product through an interface displayed on the terminal.

[0961] Step 2:

[0962] The user enters basic information (age, income, family composition, etc.) for the selected investment product.

[0963] Step 3:

[0964] The user checks the insurance plan sent from the server, and the user's emotions are recognized by the emotion engine on the device.

[0965] Step 4:

[0966] If the user is satisfied with the proposed plan, they can approve it, or if they are dissatisfied with the plan, they can request a recalculation. If dissatisfied, the emotion engine sends the emotion to the server, which then makes adjustments.

[0967] This allows the system to provide optimal insurance plans while taking into consideration the user's feelings.

[0968] Example 2

[0969] 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."

[0970] Current investment systems make it difficult for users to select investment products with confidence. For those with no investment experience, assessing investment risks and selecting insurance plans can be a major source of anxiety. Furthermore, the system does not consider users' feelings during the investment process, making it difficult to provide users with safety and trust.

[0971] 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.

[0972] In this invention, the server includes a means for receiving a request from a user to select an investment product and input basic information, a means for retrieving information on the selected investment product from a database, and an AI engine for analyzing the user's basic information and the risk profile of the investment product, thereby enabling the user to be offered an optimal insurance plan while minimizing risk.

[0973] Furthermore, in this invention, the server includes means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine, means for transmitting the insurance plan to the user's terminal, an emotion engine for recognizing emotions when the user confirms the insurance plan, and means for adjusting the insurance plan based on emotion information acquired by the emotion engine, thereby making it possible to provide a more appropriate insurance plan that takes user emotions into consideration.

[0974] The "means for receiving a request from a user to select an investment product and input basic information" is a mechanism by which the server receives a request from the user to select an investment product and input basic information about the investment.

[0975] The "means for obtaining information on the selected investment product from the database" is a function for obtaining detailed information on the investment product selected by the user from the database.

[0976] The "AI engine that analyzes the user's basic information and the risk profile of investment products" is an engine that uses AI technology to analyze the user's basic information and the risk profile of investment products, and derives the optimal investment strategy.

[0977] "Means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine" refers to a mechanism for generating a specific insurance plan based on the insurance amount and period calculated by the AI ​​engine.

[0978] The "means for transmitting the insurance plan to the user's terminal" is a function for transmitting the generated insurance plan to the user's terminal so that the user can check it.

[0979] The "emotion engine that recognizes emotions when users check insurance plans" is an engine that recognizes and analyzes the emotional state of users while they are checking insurance plans.

[0980] The "means for adjusting the insurance plan based on the emotional information acquired by the emotion engine" is a mechanism for recalculating and adjusting the insurance plan based on the emotional information of the user acquired by the emotion engine.

[0981] The present invention is a system that allows users, including those with no investment experience, to invest with confidence. In particular, the present invention includes an emotion engine that recognizes the user's emotions, making the investment process safer and more reliable.

[0982] Server Action:

[0983] The server first receives a request from the user to select an investment product and enter basic information. This request includes the user ID, investment product ID, and the user's basic information (age, income, family composition, etc.). The server then retrieves detailed information about the selected investment product from a relational database. This database, for example, uses MySQL. Based on the retrieved data, an AI engine built with Python analyzes the user's basic information and the investment product's risk profile. Based on the results of the analysis, Node.js is used to calculate the insurance amount and investment period and generate a specific insurance plan. The server then sends the generated insurance plan to the user's device. In addition, an emotion engine using IBM Watson is also used to obtain emotional information when the user reviews the insurance plan, and this data is analyzed to help adjust the insurance plan.

[0984] Terminal handling:

[0985] The terminal provides a user interface and assists the user in the process of selecting an investment product and entering basic information. This interface is built with React. Once the user has completed the input, the terminal sends this data to the server. The terminal receives the insurance plan sent from the server and displays it to the user. In addition, the emotion engine has a feedback function to recognize the user's emotions, and collects emotional information when the user confirms the insurance plan and sends it to the server. This emotional information is used to adjust the contents of the insurance plan, allowing the terminal to provide a plan that is more suitable for the user.

[0986] User Action:

[0987] Users first select an investment product through the interface displayed on their device and enter basic information, such as age, income, and family composition. They then review the insurance plan sent from the server, and the emotion engine recognizes the user's emotions. If the user has negative feelings about the plan, they can request a recalculation or improvement.

[0988] Specific use cases:

[0989] For example, if User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product, User A selects the product on the device interface and enters basic information. The device sends this data to the server. The server uses an AI engine built in Python to calculate the optimal insurance plan based on the acquired basic information and the investment product's risk profile. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. User A checks the plan, and the IBM Watson emotion engine recognizes the user's emotions. If User A feels anxious or dissatisfied, this emotional information is sent to the server, which takes this into account when recalculating the plan and presents a plan that is more satisfactory to User A.

[0990] Example prompt for a generative AI model:

[0991] "Please explain the outline of a system that uses an emotion engine to suggest optimal insurance plans to inexperienced users when investing in stocks."

[0992] In this way, the present invention provides an environment in which users can invest with greater peace of mind while reducing risk by taking into consideration the user's emotions.

[0993] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0994] Server-side processing steps:

[0995] Step 1:

[0996] The server receives a request from the user to select an investment product and enter basic information. This request includes basic information such as the user ID, investment product ID, user age, income, and family composition. The server receives the input data and prepares it for the next process. Specifically, it analyzes the request, extracts the necessary information, and formats it.

[0997] Step 2:

[0998] The server retrieves information about the selected investment product from a database. For example, it retrieves the risk profile and historical performance data for "stock investment" from a MySQL database. It receives the request as input and queries the database to retrieve the corresponding investment product information. As output, it passes the retrieved data to the next processing step.

[0999] Step 3:

[1000] The server launches an AI engine written in Python to analyze the user's basic information and the risk profile of the investment product. The AI ​​engine receives basic information such as age, income, and family composition as input, evaluates the investment risk, and calculates the optimal insurance amount and period. It generates an outline of the optimal insurance plan as output and passes it on to the next process.

[1001] Step 4:

[1002] The server uses Node.js to generate a specific insurance plan based on the insurance amount and period calculated by the AI ​​engine. It uses the plan summary received from the AI ​​engine as input and generates a detailed insurance plan in JSON format, etc. The generated insurance plan is passed as output to the next processing step.

[1003] Step 5:

[1004] The server sends the generated insurance plan to the user's device. It receives the generated insurance plan as input and sends it to the user's device as an HTTP response. As output, the user's device can correctly receive and display the insurance plan.

[1005] Step 6:

[1006] The server runs an emotion engine using IBM Watson to recognize emotions when the user checks their insurance plan. It receives data (such as camera footage and audio data) from the user's insurance plan check as input and performs emotion analysis. As output, it obtains the user's emotional information and passes it to the next processing step.

[1007] Step 7:

[1008] The server adjusts the insurance plan based on the emotional information acquired by the emotion engine. It receives the user's emotional information as input and recalculates and adjusts the insurance plan as necessary. As output, it generates the adjusted insurance plan and presents it to the user again.

[1009] Terminal processing steps:

[1010] Step 1:

[1011] The terminal provides a user interface and guides the user through the process of selecting an investment product and entering basic information. This interface is built with React. It receives user actions (clicks, form entries, etc.) as input and prepares them for further processing. As output, it sends the input data to the next processing step.

[1012] Step 2:

[1013] The terminal sends the data entered by the user to the server. As input, it receives the investment product selected by the user and basic information and sends it to the server as an HTTP request. As output, the server receives the data required for the next processing step.

[1014] Step 3:

[1015] The terminal receives the insurance plan sent from the server and displays it to the user. As input, it receives the insurance plan data from the server, formats it in the UI, and displays it. As output, the user can check the insurance plan.

[1016] Step 4:

[1017] The device provides a feedback function to enable the emotion engine to recognize the user's emotions. As input, the device receives the user's reaction data (e.g., camera footage, audio data, etc.) and sends it to the emotion engine. As output, the emotion information is sent to the server.

[1018] User process steps:

[1019] Step 1:

[1020] The user selects an investment product through the interface displayed on the terminal. As input, the user performs an action on the terminal UI to determine the selected data. As output, the investment product information selected by the user is passed to the next processing step.

[1021] Step 2:

[1022] The user enters basic information such as age, income, family composition, etc. As input, text and numerical data are entered through the UI and sent to the terminal. As output, the basic information is sent to the next processing step.

[1023] Step 3:

[1024] The user checks the insurance plan sent from the server. As input, the user visually checks the insurance plan displayed on the terminal. As output, the user's feelings and opinions about the plan are reflected in the next processing step.

[1025] Step 4:

[1026] The user provides feedback on their feelings about the insurance plan via the device. As input, emotion information is provided via the device's camera and microphone. As output, the emotion information is passed to the emotion engine and reflected on the server.

[1027] Specific use cases:

[1028] For example, if User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product, his or her selection and basic information are sent to the server via the device. The server uses this information to retrieve investment information from the database and calculates an insurance plan using an AI engine. The calculation results are sent to the device, and User A confirms the plan. When confirming, the emotion engine analyzes User A's emotions, and if anxiety or dissatisfaction is detected, the server readjusts the plan and presents it to User A.

[1029] Example prompt for a generative AI model:

[1030] "Please explain the specific process flow and operation of a system that uses an emotion engine to suggest optimal insurance plans to inexperienced users when they invest in stocks."

[1031] (Application example 2)

[1032] 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."

[1033] Conventional investment support systems do not take users' emotions into consideration and simply present optimal insurance plans based on the risk profile of the investment product and the user's basic information, which can cause anxiety for users who are inexperienced in investing or who are sensitive to emotions. This often causes users to feel anxious about making investment decisions, making it difficult to encourage investment behavior.

[1034] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[1035] a means of obtaining the risk profile of an investment product;

[1036] A means for obtaining basic information about a user;

[1037] an AI engine that calculates the optimal insurance amount and period based on the risk profile of the investment product and basic information of the user;

[1038] A means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine;

[1039] means for displaying said insurance plan to a user;

[1040] and means for adjusting the insurance plan based on the emotion information, the emotion engine being provided to recognize the user's emotion in real time.

[1041] This allows users to make investments with peace of mind by presenting optimal insurance plans that take into account their feelings.

[1042] "Risk profile of an investment product" means information that indicates the characteristics and trends of risks associated with an investment product.

[1043] "Basic user information" refers to basic personal information required when making an investment, such as the user's age, income, and family composition.

[1044] An "AI engine" is a software or hardware system that uses artificial intelligence to automate specific tasks.

[1045] "Insurance Plan" means a plan that indicates the specific content and structure of insurance provided to a User to mitigate risk when making an investment.

[1046] An "emotion engine" is a technology or system for recognizing and analyzing emotions from a user's facial expressions, voice, etc.

[1047] "Means for adjustment" refers to a method or process for appropriately changing the plan presented to the user based on the results of the emotion engine.

[1048] "Display means" refers to an interface for visually displaying information on the user's terminal.

[1049] The present invention is a system that allows users, including those with no investment experience, to invest with confidence, and in particular, by including an emotion engine that recognizes the user's emotions, it makes the investment process safer and more reliable.

[1050] Server side:

[1051] The server first receives a request from the user to select an investment product and enter basic information. The request includes the user ID, investment product ID, and the user's basic information (age, income, family composition, etc.). The server then retrieves detailed information about the selected investment product from the database. Based on the retrieved data, the AI ​​engine analyzes the user's basic information and the investment product's risk profile, and calculates the optimal insurance amount and period. Based on these results, the server generates an insurance plan and sends it to the user's device. In addition, an emotion engine is also used to recognize the user's emotions, and emotional information is obtained when the user confirms the insurance plan, which is used to adjust the insurance plan.

[1052] The hardware used includes high-performance servers, and the software uses an AI engine (e.g., a TensorFlow-based model) and an emotion recognition engine (e.g., OpenCV and the EmotionRecognition library), while the database software uses, for example, MySQL.

[1053] Terminal processing:

[1054] The terminal provides a user interface and assists the user in the process of selecting an investment product and entering basic information. Once the user has completed the input, the terminal transmits this data to the server. The terminal receives the insurance plan transmitted from the server and displays it to the user. Furthermore, the emotion engine has a feedback function for recognizing the user's emotions, and collects emotion information when the user confirms the insurance plan and transmits it to the server. This emotion information is used to adjust the contents of the insurance plan, allowing the terminal to provide a plan that is more suitable for the user.

[1055] User Action:

[1056] The user first selects an investment product and enters basic information, such as age, income, and family composition, through the interface displayed on the device. The user then checks the insurance plan sent from the server, at which point the emotion engine recognizes the user's emotions. If the user has negative emotions about the plan, this emotion information is sent to the server, which takes this into account when recalculating the plan and presents a more satisfactory plan to the user.

[1057] As a concrete example, let's consider the case where a user operates a smartphone. The user uses the smartphone's camera to read their facial expressions, which are then analyzed by the emotion engine. Based on the analysis results, the insurance plan is adjusted and displayed in real time.

[1058] Example prompt sentence:

[1059] "Build an application that captures users' facial expressions and recognizes their emotions in real time to optimize their investment plans."

[1060] In this way, the present invention provides an environment in which users can invest with greater peace of mind while reducing risk by taking into consideration the user's emotions.

[1061] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1062] Step 1: Entering User Data

[1063] The user uses the terminal interface to input basic information such as age, income, and family composition. They also select an investment product. This input data includes the user ID, investment product ID, and basic information about the user. The terminal then sends this data to the server.

[1064] Input: Age, income, family composition, user ID, investment product ID

[1065] Output: Basic information and investment product selection data

[1066] Step 2: Obtain a risk profile

[1067] The server retrieves detailed information about the selected investment product from the database based on the received user basic information and investment product ID, including the risk profile of the investment product.

[1068] Input: User's basic information, investment product ID

[1069] Output: Risk profile of the investment product

[1070] Step 3: Calculate the best insurance plan

[1071] The server inputs the acquired user's basic information and risk profile into the AI ​​engine, which then calculates the optimal insurance amount and period based on this information and generates an insurance plan.

[1072] Input: User's basic information, investment product risk profile

[1073] Output: Insurance amount, insurance period, insurance plan

[1074] Step 4: View your insurance plan

[1075] The terminal receives the insurance plan sent from the server and visually displays it to the user, who then confirms the plan.

[1076] Input: Insurance Plan

[1077] Output: A visual representation of the insurance plan

[1078] Step 5: Capturing and recognizing emotions

[1079] When a user checks the displayed insurance plan, the device's camera is used to capture the user's facial expression. The captured facial expression data is input into the emotion engine, and the emotional information is analyzed.

[1080] Input: User's facial expression data

[1081] Output: Emotional information (e.g., anxiety, relief, satisfaction, dissatisfaction)

[1082] Step 6: Send emotional information and readjust your plan

[1083] The user's emotional information is sent to the server. The server recalculates the insurance plan based on the emotional information and creates a plan that is more suitable for the user. The recalculated plan is sent back to the terminal and displayed to the user.

[1084] Input: Emotion information

[1085] Output: Rebalanced insurance plan

[1086] Through the above processing steps, the system is able to provide the optimal insurance plan that takes into account the user's feelings.

[1087] 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.

[1088] 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.

[1089] 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.

[1090] [Fourth embodiment]

[1091] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[1092] 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.

[1093] 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).

[1094] 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.

[1095] 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.

[1096] 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).

[1097] 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.

[1098] 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.

[1099] 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.

[1100] 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.

[1101] 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.

[1102] 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.

[1103] 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."

[1104] The present invention is a system that allows users, including those with no investment experience, to invest with confidence. This system reduces investment risk by providing optimal insurance amounts and periods through mutual cooperation between the server, terminals, and users. Each processing step of the present invention is specifically described below.

[1105] Server side:

[1106] The server first receives a request from the user. The request includes data on investment product selection and basic information input. The server then retrieves detailed information on the selected investment product from the database. Based on the retrieved data, the AI ​​engine analyzes the user's basic information and the investment product's risk profile, and calculates the optimal insurance amount and period. Based on the results, the server generates an insurance plan and sends it to the user's device.

[1107] Terminal processing:

[1108] The terminal provides a user interface and guides the user through the process of selecting an investment product and entering basic information. Once the user has completed the input, the terminal transmits this data to the server. The terminal receives the insurance plan sent from the server and displays it to the user. The terminal provides operations that allow the user to review the plan and request approval or recalculation.

[1109] User Action:

[1110] First, the user selects an investment product through the interface displayed on the terminal and enters basic information, such as age, income, and family composition. The user then checks the insurance plan sent from the server, and if satisfied with the plan, approves it. If not, the user can request a recalculation to obtain the optimal plan.

[1111] Specific use cases:

[1112] For example, consider the case where User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product. User A selects the product on the device interface and enters basic information. The device sends this data to the server. The server uses an AI engine to calculate the optimal insurance plan based on the acquired basic information and the risk profile of the investment product. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. User A checks the plan, and if satisfied with the contents, approves it and begins investing.

[1113] In this way, the present invention provides an environment that makes it easier for users to make investments while reducing risk.

[1114] The processing flow will be explained below.

[1115] Server side:

[1116] Step 1:

[1117] The server receives a request from the user to select an investment product and enter basic information. The received request includes the user ID, investment product ID, and basic information of the user (age, income, family composition, etc.).

[1118] Step 2:

[1119] The server retrieves detailed information about the selected investment product from the database, including the investment product's risk profile and historical performance data.

[1120] Step 3:

[1121] The AI ​​engine on the server receives the risk profile of the acquired investment product and the user's basic information as input and calculates the optimal insurance amount and period. The AI ​​engine uses a pre-trained machine learning algorithm.

[1122] Step 4:

[1123] The server generates an insurance plan based on the insurance amount and period calculated by the AI ​​engine, and the generated insurance plan includes details of the specific insurance amount, period, and risk avoidance.

[1124] Step 5:

[1125] The server transmits the generated insurance plan to the user's terminal.

[1126] Terminal processing:

[1127] Step 1:

[1128] The terminal displays a user interface that includes a list of investment products and a form for entering basic information.

[1129] Step 2:

[1130] The user selects an investment product and enters basic information. After completing the input, the terminal transmits this data to the server.

[1131] Step 3:

[1132] The terminal receives the insurance plan returned from the server, which includes detailed information about the insurance amount, period, and risk.

[1133] Step 4:

[1134] The terminal displays the received insurance plan to the user, allowing the user to check the details of the insurance plan.

[1135] Step 5:

[1136] The terminal provides an interface for the user to approve the plan or request a recalculation, allowing the user to select the next action.

[1137] User Action:

[1138] Step 1:

[1139] The user selects an investment product through an interface displayed on the terminal.

[1140] Step 2:

[1141] The user enters basic information (age, income, family composition, etc.) for the selected investment product.

[1142] Step 3:

[1143] The user checks the insurance plan sent from the server.

[1144] Step 4:

[1145] If the user is satisfied with the proposed plan, they can accept it, or if they are not satisfied with the plan, they can request a recalculation.

[1146] Example 1

[1147] 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."

[1148] In order for users, including those with no investment experience, to invest with confidence, a system that can easily calculate and provide appropriate insurance amounts and periods to reduce risk is needed. However, conventional systems require users to select investment products and manually calculate insurance plans based on their risk profiles, which is a burden for many users. Furthermore, errors and inappropriate decisions in the calculation process make it difficult to obtain the optimal insurance plan. Therefore, a system that allows users to easily and accurately obtain insurance plans to reduce risk is needed.

[1149] 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.

[1150] In this invention, the server includes a means for receiving investment products and basic information entered by the user, a means for acquiring detailed information and risk profiles of investment products from a database, and an AI engine for calculating the optimal insurance amount and period based on the acquired investment product information and the user's basic information. This enables the AI ​​engine to automatically calculate an appropriate insurance plan based on information simply entered by the user and accurately provide it to the user.

[1151] The "means for receiving the investment product and basic information entered by the user" refers to the means for transmitting the investment product selected by the user and basic information such as age, income, and family composition from the terminal to the server.

[1152] The "means for obtaining detailed information and risk profiles of investment products from a database" refers to the means by which the server accesses a database and obtains detailed information of a selected investment product and its corresponding risk profile.

[1153] The "AI engine" is an artificial intelligence engine that calculates the optimal insurance amount and period based on the acquired investment product information and basic information of the user.

[1154] The "means for generating an insurance plan" refers to a means for generating a specific insurance plan based on the insurance amount and period calculated by the AI ​​engine.

[1155] The "means for transmitting the generated insurance plan to the user's terminal" is a means for transmitting the insurance plan generated by the server to the user's terminal.

[1156] "Means for displaying an insurance plan on a user terminal and accepting a user's approval or recalculation request" refers to means for displaying a generated insurance plan on a user's terminal and allowing the user to approve the plan or request a recalculation.

[1157] "User Interface" means a graphical interface through which a user selects an investment product and enters basic information.

[1158] A "generative AI model" is a generative AI engine used to calculate the optimal insurance amount and period based on the user's basic information and the risk profile of the investment product.

[1159] The present invention is a system that supports users, including those with no investment experience, in making safe investments. This system reduces investment risks by linking the server, terminals, and users to provide optimal insurance amounts and periods.

[1160] Server side:

[1161] The server receives a request from a user. This request includes the investment product and basic information, such as the user's selected investment product, age, income, and family composition. The server receives this information via the API endpoint and compiles it. Next, the server retrieves detailed information and risk profile of the selected investment product from a database. This database stores detailed information such as the risk assessment and past performance of each investment product. Based on the retrieved data, the server then uses a generative AI model (e.g., GPT-4) to analyze the user's basic information and the investment product's risk profile and calculate the optimal insurance amount and term. This analysis is performed by inputting a prompt to the AI ​​engine: "Please calculate the optimal insurance amount and term based on the user's age, income, family composition, and the risk profile of the selected investment product." Finally, the server generates an insurance plan based on the calculated results and sends it to the user's device.

[1162] Terminal processing:

[1163] The terminal provides an interface for the user to operate. In this interface, the user can select an investment product and enter basic information. After the user has entered the information, the terminal prepares this data for transmission to the server and sends it to the server via API. When the insurance plan is sent from the server, the terminal receives it and displays it on the user interface. Based on this display, the user can review the plan and request approval or recalculation.

[1164] User Action:

[1165] The user first selects an investment product through the user interface displayed on the terminal. For example, they can choose products such as stock investment or real estate investment. Next, they enter basic information, including the user's age, income, and family composition. Once the information has been entered, the data is sent to the server via the terminal. The user checks the insurance plan sent from the server, and if they are satisfied with the contents, they click the "Approve" button on the terminal. If they are not satisfied, they can click the "Request Recalculation" button to request a new calculation of the insurance plan.

[1166] Examples:

[1167] For example, consider a 35-year-old married user with one child who earns 5 million yen a year who selects "stock investment." The user selects a product through the interface and enters basic information. The input information is sent to the server, which retrieves detailed information and risk profile of the relevant investment product from the database. The generative AI model then inputs a prompt statement: "Please calculate the optimal insurance amount and term based on the user's age, income, family composition, and the risk profile of the selected investment product." The AI ​​engine then calculates the optimal insurance plan. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. The user reviews the plan, and if satisfied with the contents, approves it and begins investing.

[1168] The system of the present invention allows users to easily and accurately obtain insurance plans to reduce risks and make investments with peace of mind.

[1169] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1170] Step 1:

[1171] The user selects an investment product and enters basic information through the interface displayed on the device. This basic information includes age, income, and family composition. Specifically, the user selects an investment product from a selection menu and enters various information using text fields and drop-down lists. Accurate and detailed information is required because the information entered here will be used for subsequent analysis.

[1172] Input: Investment product selection and basic information (age, income, family composition)

[1173] Output: Input data saved on the device

[1174] Step 2:

[1175] The terminal sends the investment product and basic information entered by the user to the server. Specifically, the input data is converted into an appropriate format (e.g., JSON) and sent to the server as an HTTP request via an API endpoint. Error checking is performed here to ensure data integrity and successful transmission.

[1176] Input: Investment product and basic information entered by the user

[1177] Output: Request sent to the server

[1178] Step 3:

[1179] The server issues a database query based on the user information and investment product information received from the terminal to obtain detailed information and risk profiles for the relevant investment products. Specifically, the server generates an SQL query and executes it against the database, while verifying the consistency and completeness of the retrieved data.

[1180] Input: User information and investment product information received from the terminal

[1181] Output: Investment product details and risk profile retrieved from the database

[1182] Step 4:

[1183] The server passes the acquired investment product information and the user's basic information to the AI ​​engine. The AI ​​engine analyzes this information using a generative AI model (e.g., GPT-4) and calculates the optimal insurance amount and term. Specifically, the server inputs a prompt to the AI ​​engine: "Please calculate the optimal insurance amount and term based on the user's age, income, family composition, and the risk profile of the selected investment product." The AI ​​engine performs calculations based on this prompt and returns the results.

[1184] Input: Investment product details and risk profile obtained from the database, basic user information

[1185] Output: Optimal insurance amount and period obtained from the AI ​​engine

[1186] Step 5:

[1187] The server receives the analysis results from the AI ​​engine and generates an insurance plan based on them. Specifically, the server formats the received data and creates a specific insurance plan including the insurance amount and period. This insurance plan also includes an explanation and reasons for selection to make it easy for the user to understand.

[1188] Input: Optimal insurance amount and period obtained from the AI ​​engine

[1189] Output: Generate an insurance plan

[1190] Step 6:

[1191] The server sends the generated insurance plan to the device. Specifically, it converts the insurance plan into an appropriate format (for example, JSON format) and sends it to the device as an HTTP response via the API endpoint. Again, error checking is performed to ensure the transmission was successful.

[1192] Input: Generated insurance plan

[1193] Output: Insurance plan sent to the device

[1194] Step 7:

[1195] The terminal displays the insurance plan received from the server on the user interface. The user can confirm this display and approve or request a recalculation. Specifically, the user clicks the "Approve" button or the "Request Recalculation" button. The terminal then sends this operation back to the server to request a recalculation or final approval. At this step, additional explanations and supplementary information are also provided to help the user understand.

[1196] Input: Insurance plan sent from the server, user's operation (approval or recalculation request)

[1197] Output: User approves or submits recalculation request

[1198] (Application example 1)

[1199] 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."

[1200] In conventional investment systems, users, especially those investing for the first time, often invest without fully understanding the risks, resulting in a high risk of loss. Furthermore, insurance plans to reduce the risks associated with investing were not linked to the investment products, leaving users without a secure investment environment. Addressing these issues, there is a need to provide an environment where users can invest while reducing risk when purchasing investment products on online shopping sites.

[1201] 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.

[1202] In this invention, the server includes means for acquiring a risk profile of an investment product, means for acquiring basic information of a user, an AI engine for calculating an optimal insurance amount and period based on the risk profile of the investment product and the basic information of the user, means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine, and means for displaying the insurance plan when the user purchases an investment product on an online shopping site.As a result, when a user purchases an investment product on an online shopping site, an optimal insurance plan is proposed, thereby reducing risk and enabling the user to invest with peace of mind.

[1203] "Risk profile of an investment product" means information that indicates the risk characteristics and risk level of the relevant investment product.

[1204] "Basic user information" refers to basic personal data such as the user's age, income, and family structure.

[1205] An "AI engine" is a program or system that uses artificial intelligence to analyze data and calculate specific results.

[1206] "Insurance Plan" means the contents and terms of insurance offered to a user to reduce the risk associated with an investment product.

[1207] An "online shopping site" is a website that sells products and services over the Internet.

[1208] An "interface" is a screen or means by which a user inputs information or performs operations on a system.

[1209] A "premium plan" is a plan that includes additional services and benefits over a standard insurance plan.

[1210] The present invention is a system for providing an optimal insurance plan to a user so that the user can reduce risk when purchasing investment products via an online shopping site. Specific embodiments of the system are described below.

[1211] System Program

[1212] Process Overview

[1213] server:

[1214] The server first receives the selection and basic information of the investment product sent by the user.

[1215] Based on the received data, the risk profile of the selected investment product is obtained from the database in the server.

[1216] Next, an AI engine is used to analyze the user's basic information and the risk profile of the investment product, and calculate the optimal insurance amount and period.

[1217] Finally, an insurance plan is generated based on the calculated data and sent to the user's terminal.

[1218] Specific software and hardware used:

[1219] AI engines: machine learning libraries such as TensorFlow and PyTorch

[1220] Database: A relational database such as MySQL or PostgreSQL

[1221] Server Hardware: Ubuntu-based server

[1222] Device:

[1223] The terminal provides a user interface to assist the user in the process of selecting an investment product and entering basic information.

[1224] Sends the data entered by the user to the server.

[1225] The insurance plan sent from the server is received and displayed to the user.

[1226] Specific software used:

[1227] User Interface: Cross-platform development tools such as React Native and Flutter

[1228] Adding specific examples

[1229] User Operation Scenarios

[1230] Let's say User A (35 years old, annual income of 5 million yen, married, one child) selects "stock investment" on an online shopping site. User A selects a product through the device interface and enters basic information. The device then sends this data to the server.

[1231] Based on the received data, the server retrieves the risk profile of "stock investment" from the database and uses an AI engine to calculate the optimal insurance amount and period. As a result, a plan with an insurance amount of 1 million yen and a period of 5 years is generated and sent to the terminal. User A checks the plan, and if satisfied with the contents, he or she can approve it and begin investing.

[1232] Example prompts to be input to the generative AI model

[1233] If a user selects "Stock investment" based on the following criteria: age 35, income 5 million yen, married, with one child, use an AI engine to calculate the optimal insurance plan.

[1234] As described above, this invention is a system that proposes optimal insurance plans when a user purchases investment products on an online shopping site, and provides an environment in which users can invest with peace of mind while reducing risk.

[1235] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1236] Step 1:

[1237] The user selects an investment product and enters basic information

[1238] Users select an investment product through the terminal interface and enter basic information such as their age, income, and family composition.

[1239] Input: Investment product options, user age, income, family structure

[1240] Output: Investment product selection data, basic information data

[1241] Step 2:

[1242] The device sends the user's input data to the server.

[1243] The terminal transmits the investment product selection data and basic information data input by the user to the server.

[1244] Input: Investment product selection data, basic information data

[1245] Output: Data sent to the server

[1246] Step 3:

[1247] The server retrieves the risk profile of the investment product.

[1248] Based on the received data, the server obtains the risk profile of the selected investment product from the database.

[1249] Input: Investment product selection data

[1250] Output: Risk profile data for investment products

[1251] What happens: The server issues an SQL query to retrieve the risk profile from the database.

[1252] Step 4:

[1253] AI engine calculates optimal insurance amount and period

[1254] The server's AI engine analyzes the user's basic information and the risk profile data of the investment product to calculate the optimal insurance amount and period.

[1255] Input: User basic information data, investment product risk profile data

[1256] Output: Optimal insurance amount and period data

[1257] Specific operation: Using machine learning libraries such as TensorFlow and PyTorch, the system analyzes data and calculates optimal insurance plans.

[1258] Step 5:

[1259] The server generates the insurance plan and sends it to the device.

[1260] The server generates an insurance plan based on the insurance amount and period calculated by the AI ​​engine and sends it to the user's device.

[1261] Input: Optimal insurance amount and period data

[1262] Output: Insurance plan data, data sent to device

[1263] Specific behavior: Runs the algorithm to generate an insurance plan and sends the generated plan.

[1264] Step 6:

[1265] The device displays the insurance plan to the user.

[1266] The terminal displays the received insurance plan to the user, who can review the plan and approve or request a recalculation.

[1267] Input: Insurance plan data

[1268] Output: Data displayed to the user

[1269] Specific behavior: Display insurance plan details through the device's user interface

[1270] Step 7:

[1271] User reviews insurance plan and requests approval or recalculation

[1272] The user can check the insurance plan displayed on the device, and if they are satisfied with the plan, they can approve it and start investing. If they are not satisfied, they can request a recalculation.

[1273] Input: User's choice

[1274] Output: Insurance plan approval data or recalculation request data

[1275] Specific operation: The terminal sends approval data or recalculation request data based on the user's selection to the server.

[1276] As described above, the server, terminal, and user work together to provide an environment in which users can invest with peace of mind.

[1277] 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.

[1278] The present invention is a system that allows users, including those with no investment experience, to invest with confidence, and in particular, by including an emotion engine that recognizes the user's emotions, the investment process becomes safer and more reliable. Each processing step of the present invention will be specifically described below.

[1279] Server side:

[1280] The server first receives a request from the user to select an investment product and enter basic information. The request includes the user ID, investment product ID, and the user's basic information (age, income, family composition, etc.). The server then retrieves detailed information about the selected investment product from the database. Based on the retrieved data, the AI ​​engine analyzes the user's basic information and the investment product's risk profile, and calculates the optimal insurance amount and period. Based on these results, the server generates an insurance plan and sends it to the user's device. In addition, an emotion engine is also used to recognize the user's emotions, and emotional information is obtained when the user confirms the insurance plan, which is used to adjust the insurance plan.

[1281] Terminal processing:

[1282] The terminal provides a user interface and assists the user in the process of selecting an investment product and entering basic information. Once the user has completed the input, the terminal transmits this data to the server. The terminal receives the insurance plan transmitted from the server and displays it to the user. Furthermore, the emotion engine has a feedback function for recognizing the user's emotions, and collects emotion information when the user confirms the insurance plan and transmits it to the server. This emotion information is used to adjust the contents of the insurance plan, allowing the terminal to provide a plan that is more suitable for the user.

[1283] User Action:

[1284] Users first select an investment product through the interface displayed on their device and enter basic information, including age, income, and family composition. The insurance plan sent from the server is then reviewed, and an emotion engine recognizes the user's emotions. If the user has negative feelings about the plan, they can request a recalculation or improvement.

[1285] Specific use cases:

[1286] For example, consider the case where User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product. User A selects the product on the device interface and enters basic information. The device sends this data to the server. The server uses an AI engine to calculate the optimal insurance plan based on the acquired basic information and the risk profile of the investment product. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. User A checks the plan, and the emotion engine recognizes the user's emotions at that time. If User A feels anxious or dissatisfied, this emotional information is sent to the server, which takes this into account when recalculating the plan and presents a plan that is more satisfactory to User A.

[1287] In this way, the present invention provides an environment in which users can invest with greater peace of mind while reducing risk by taking into consideration the user's emotions.

[1288] The processing flow will be explained below.

[1289] Server side:

[1290] Step 1:

[1291] The server receives a request from the user to select an investment product and enter basic information. The request includes the user ID, investment product ID, and basic information about the user (age, income, family composition, etc.).

[1292] Step 2:

[1293] The server retrieves detailed information about the selected investment product from the database, including the investment product's risk profile and historical performance data.

[1294] Step 3:

[1295] The AI ​​engine on the server receives the risk profile of the acquired investment product and the user's basic information as input and calculates the optimal insurance amount and period. The AI ​​engine uses a pre-trained machine learning algorithm.

[1296] Step 4:

[1297] The server generates an insurance plan based on the insurance amount and period calculated by the AI ​​engine, and the generated insurance plan includes details of the specific insurance amount, period, and risk avoidance.

[1298] Step 5:

[1299] The server transmits the generated insurance plan to the user's terminal.

[1300] Step 6:

[1301] The server receives the user's emotional information sent from the device and uses it to adjust the insurance plan, and may even recalculate a new plan based on the emotional information.

[1302] Terminal processing:

[1303] Step 1:

[1304] The terminal displays a user interface that includes a list of investment products and a form for entering basic information.

[1305] Step 2:

[1306] The user selects an investment product and enters basic information. After completing the input, the terminal transmits this data to the server.

[1307] Step 3:

[1308] The terminal receives the insurance plan returned from the server, which includes detailed information about the insurance amount, period, and risk.

[1309] Step 4:

[1310] The terminal displays the received insurance plan to the user, allowing the user to check the details of the insurance plan.

[1311] Step 5:

[1312] The device uses an emotion engine to recognize the user's emotions, analyzing the user's facial expressions, tone of voice, input behavior, etc. to extract emotional information.

[1313] Step 6:

[1314] The device transmits the extracted emotion information to the server so that the server can readjust the insurance plan based on the emotion information.

[1315] User Action:

[1316] Step 1:

[1317] The user selects an investment product through an interface displayed on the terminal.

[1318] Step 2:

[1319] The user enters basic information (age, income, family composition, etc.) for the selected investment product.

[1320] Step 3:

[1321] The user checks the insurance plan sent from the server, and the user's emotions are recognized by the emotion engine on the device.

[1322] Step 4:

[1323] If the user is satisfied with the proposed plan, they can approve it, or if they are dissatisfied with the plan, they can request a recalculation. If dissatisfied, the emotion engine sends the emotion to the server, which then makes adjustments.

[1324] This allows the system to provide optimal insurance plans while taking into consideration the user's feelings.

[1325] Example 2

[1326] 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."

[1327] Current investment systems make it difficult for users to select investment products with confidence. For those with no investment experience, assessing investment risks and selecting insurance plans can be a major source of anxiety. Furthermore, the system does not consider users' feelings during the investment process, making it difficult to provide users with safety and trust.

[1328] 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.

[1329] In this invention, the server includes a means for receiving a request from a user to select an investment product and input basic information, a means for retrieving information on the selected investment product from a database, and an AI engine for analyzing the user's basic information and the risk profile of the investment product, thereby enabling the user to be offered an optimal insurance plan while minimizing risk.

[1330] Furthermore, in this invention, the server includes means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine, means for transmitting the insurance plan to the user's terminal, an emotion engine for recognizing emotions when the user confirms the insurance plan, and means for adjusting the insurance plan based on emotion information acquired by the emotion engine, thereby making it possible to provide a more appropriate insurance plan that takes user emotions into consideration.

[1331] The "means for receiving a request from a user to select an investment product and input basic information" is a mechanism by which the server receives a request from the user to select an investment product and input basic information about the investment.

[1332] The "means for obtaining information on the selected investment product from the database" is a function for obtaining detailed information on the investment product selected by the user from the database.

[1333] The "AI engine that analyzes the user's basic information and the risk profile of investment products" is an engine that uses AI technology to analyze the user's basic information and the risk profile of investment products, and derives the optimal investment strategy.

[1334] "Means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine" refers to a mechanism for generating a specific insurance plan based on the insurance amount and period calculated by the AI ​​engine.

[1335] The "means for transmitting the insurance plan to the user's terminal" is a function for transmitting the generated insurance plan to the user's terminal so that the user can check it.

[1336] The "emotion engine that recognizes emotions when users check insurance plans" is an engine that recognizes and analyzes the emotional state of users while they are checking insurance plans.

[1337] The "means for adjusting the insurance plan based on the emotional information acquired by the emotion engine" is a mechanism for recalculating and adjusting the insurance plan based on the emotional information of the user acquired by the emotion engine.

[1338] The present invention is a system that allows users, including those with no investment experience, to invest with confidence. In particular, the present invention includes an emotion engine that recognizes the user's emotions, making the investment process safer and more reliable.

[1339] Server Action:

[1340] The server first receives a request from the user to select an investment product and enter basic information. This request includes the user ID, investment product ID, and the user's basic information (age, income, family composition, etc.). The server then retrieves detailed information about the selected investment product from a relational database. This database, for example, uses MySQL. Based on the retrieved data, an AI engine built with Python analyzes the user's basic information and the investment product's risk profile. Based on the results of the analysis, Node.js is used to calculate the insurance amount and investment period and generate a specific insurance plan. The server then sends the generated insurance plan to the user's device. In addition, an emotion engine using IBM Watson is also used to obtain emotional information when the user reviews the insurance plan, and this data is analyzed to help adjust the insurance plan.

[1341] Terminal handling:

[1342] The terminal provides a user interface and assists the user in the process of selecting an investment product and entering basic information. This interface is built with React. Once the user has completed the input, the terminal sends this data to the server. The terminal receives the insurance plan sent from the server and displays it to the user. In addition, the emotion engine has a feedback function to recognize the user's emotions, and collects emotional information when the user confirms the insurance plan and sends it to the server. This emotional information is used to adjust the contents of the insurance plan, allowing the terminal to provide a plan that is more suitable for the user.

[1343] User Action:

[1344] Users first select an investment product through the interface displayed on their device and enter basic information, such as age, income, and family composition. They then review the insurance plan sent from the server, and the emotion engine recognizes the user's emotions. If the user has negative feelings about the plan, they can request a recalculation or improvement.

[1345] Specific use cases:

[1346] For example, if User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product, User A selects the product on the device interface and enters basic information. The device sends this data to the server. The server uses an AI engine built in Python to calculate the optimal insurance plan based on the acquired basic information and the investment product's risk profile. As a result, a plan with an insurance amount of 1 million yen and a term of 5 years is generated and sent to the device. User A checks the plan, and the IBM Watson emotion engine recognizes the user's emotions. If User A feels anxious or dissatisfied, this emotional information is sent to the server, which takes this into account when recalculating the plan and presents a plan that is more satisfactory to User A.

[1347] Example prompt for a generative AI model:

[1348] "Please explain the outline of a system that uses an emotion engine to suggest optimal insurance plans to inexperienced users when investing in stocks."

[1349] In this way, the present invention provides an environment in which users can invest with greater peace of mind while reducing risk by taking into consideration the user's emotions.

[1350] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1351] Server-side processing steps:

[1352] Step 1:

[1353] The server receives a request from the user to select an investment product and enter basic information. This request includes basic information such as the user ID, investment product ID, user age, income, and family composition. The server receives the input data and prepares it for the next process. Specifically, it analyzes the request, extracts the necessary information, and formats it.

[1354] Step 2:

[1355] The server retrieves information about the selected investment product from a database. For example, it retrieves the risk profile and historical performance data for "stock investment" from a MySQL database. It receives the request as input and queries the database to retrieve the corresponding investment product information. As output, it passes the retrieved data to the next processing step.

[1356] Step 3:

[1357] The server launches an AI engine written in Python to analyze the user's basic information and the risk profile of the investment product. The AI ​​engine receives basic information such as age, income, and family composition as input, evaluates the investment risk, and calculates the optimal insurance amount and period. It generates an outline of the optimal insurance plan as output and passes it on to the next process.

[1358] Step 4:

[1359] The server uses Node.js to generate a specific insurance plan based on the insurance amount and period calculated by the AI ​​engine. It uses the plan summary received from the AI ​​engine as input and generates a detailed insurance plan in JSON format, etc. The generated insurance plan is passed as output to the next processing step.

[1360] Step 5:

[1361] The server sends the generated insurance plan to the user's device. It receives the generated insurance plan as input and sends it to the user's device as an HTTP response. As output, the user's device can correctly receive and display the insurance plan.

[1362] Step 6:

[1363] The server runs an emotion engine using IBM Watson to recognize emotions when the user checks their insurance plan. It receives data (such as camera footage and audio data) from the user's insurance plan check as input and performs emotion analysis. As output, it obtains the user's emotional information and passes it to the next processing step.

[1364] Step 7:

[1365] The server adjusts the insurance plan based on the emotional information acquired by the emotion engine. It receives the user's emotional information as input and recalculates and adjusts the insurance plan as necessary. As output, it generates the adjusted insurance plan and presents it to the user again.

[1366] Terminal processing steps:

[1367] Step 1:

[1368] The terminal provides a user interface and guides the user through the process of selecting an investment product and entering basic information. This interface is built with React. It receives user actions (clicks, form entries, etc.) as input and prepares them for further processing. As output, it sends the input data to the next processing step.

[1369] Step 2:

[1370] The terminal sends the data entered by the user to the server. As input, it receives the investment product selected by the user and basic information and sends it to the server as an HTTP request. As output, the server receives the data required for the next processing step.

[1371] Step 3:

[1372] The terminal receives the insurance plan sent from the server and displays it to the user. As input, it receives the insurance plan data from the server, formats it in the UI, and displays it. As output, the user can check the insurance plan.

[1373] Step 4:

[1374] The device provides a feedback function to enable the emotion engine to recognize the user's emotions. As input, the device receives the user's reaction data (e.g., camera footage, audio data, etc.) and sends it to the emotion engine. As output, the emotion information is sent to the server.

[1375] User process steps:

[1376] Step 1:

[1377] The user selects an investment product through the interface displayed on the terminal. As input, the user performs an action on the terminal UI to determine the selected data. As output, the investment product information selected by the user is passed to the next processing step.

[1378] Step 2:

[1379] The user enters basic information such as age, income, family composition, etc. As input, text and numerical data are entered through the UI and sent to the terminal. As output, the basic information is sent to the next processing step.

[1380] Step 3:

[1381] The user checks the insurance plan sent from the server. As input, the user visually checks the insurance plan displayed on the terminal. As output, the user's feelings and opinions about the plan are reflected in the next processing step.

[1382] Step 4:

[1383] The user provides feedback on their feelings about the insurance plan via the device. As input, emotion information is provided via the device's camera and microphone. As output, the emotion information is passed to the emotion engine and reflected on the server.

[1384] Specific use cases:

[1385] For example, if User A (35 years old, annual income of 5 million yen, married, with one child) selects a "stock investment" product, his or her selection and basic information are sent to the server via the device. The server uses this information to retrieve investment information from the database and calculates an insurance plan using an AI engine. The calculation results are sent to the device, and User A confirms the plan. When confirming, the emotion engine analyzes User A's emotions, and if anxiety or dissatisfaction is detected, the server readjusts the plan and presents it to User A.

[1386] Example prompt for a generative AI model:

[1387] "Please explain the specific process flow and operation of a system that uses an emotion engine to suggest optimal insurance plans to inexperienced users when they invest in stocks."

[1388] (Application example 2)

[1389] 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."

[1390] Conventional investment support systems do not take users' emotions into consideration and simply present optimal insurance plans based on the risk profile of the investment product and the user's basic information, which can cause anxiety for users who are inexperienced in investing or who are sensitive to emotions. This often causes users to feel anxious about making investment decisions, making it difficult to encourage investment behavior.

[1391] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[1392] a means of obtaining the risk profile of an investment product;

[1393] A means for obtaining basic information about a user;

[1394] an AI engine that calculates the optimal insurance amount and period based on the risk profile of the investment product and basic information of the user;

[1395] A means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine;

[1396] means for displaying said insurance plan to a user;

[1397] and means for adjusting the insurance plan based on the emotion information, the emotion engine being provided to recognize the user's emotion in real time.

[1398] This allows users to make investments with peace of mind by presenting optimal insurance plans that take into account their feelings.

[1399] "Risk profile of an investment product" means information that indicates the characteristics and trends of risks associated with an investment product.

[1400] "Basic user information" refers to basic personal information required when making an investment, such as the user's age, income, and family composition.

[1401] An "AI engine" is a software or hardware system that uses artificial intelligence to automate specific tasks.

[1402] "Insurance Plan" means a plan that indicates the specific content and structure of insurance provided to a User to mitigate risk when making an investment.

[1403] An "emotion engine" is a technology or system for recognizing and analyzing emotions from a user's facial expressions, voice, etc.

[1404] "Means for adjustment" refers to a method or process for appropriately changing the plan presented to the user based on the results of the emotion engine.

[1405] "Display means" refers to an interface for visually displaying information on the user's terminal.

[1406] The present invention is a system that allows users, including those with no investment experience, to invest with confidence, and in particular, by including an emotion engine that recognizes the user's emotions, it makes the investment process safer and more reliable.

[1407] Server side:

[1408] The server first receives a request from the user to select an investment product and enter basic information. The request includes the user ID, investment product ID, and the user's basic information (age, income, family composition, etc.). The server then retrieves detailed information about the selected investment product from the database. Based on the retrieved data, the AI ​​engine analyzes the user's basic information and the investment product's risk profile, and calculates the optimal insurance amount and period. Based on these results, the server generates an insurance plan and sends it to the user's device. In addition, an emotion engine is also used to recognize the user's emotions, and emotional information is obtained when the user confirms the insurance plan, which is used to adjust the insurance plan.

[1409] The hardware used includes high-performance servers, and the software uses an AI engine (e.g., a TensorFlow-based model) and an emotion recognition engine (e.g., OpenCV and the EmotionRecognition library), while the database software uses, for example, MySQL.

[1410] Terminal processing:

[1411] The terminal provides a user interface and assists the user in the process of selecting an investment product and entering basic information. Once the user has completed the input, the terminal transmits this data to the server. The terminal receives the insurance plan transmitted from the server and displays it to the user. Furthermore, the emotion engine has a feedback function for recognizing the user's emotions, and collects emotion information when the user confirms the insurance plan and transmits it to the server. This emotion information is used to adjust the contents of the insurance plan, allowing the terminal to provide a plan that is more suitable for the user.

[1412] User Action:

[1413] The user first selects an investment product and enters basic information, such as age, income, and family composition, through the interface displayed on the device. The user then checks the insurance plan sent from the server, at which point the emotion engine recognizes the user's emotions. If the user has negative emotions about the plan, this emotion information is sent to the server, which takes this into account when recalculating the plan and presents a more satisfactory plan to the user.

[1414] As a concrete example, let's consider the case where a user operates a smartphone. The user uses the smartphone's camera to read their facial expressions, which are then analyzed by the emotion engine. Based on the analysis results, the insurance plan is adjusted and displayed in real time.

[1415] Example prompt sentence:

[1416] "Build an application that captures users' facial expressions and recognizes their emotions in real time to optimize their investment plans."

[1417] In this way, the present invention provides an environment in which users can invest with greater peace of mind while reducing risk by taking into consideration the user's emotions.

[1418] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1419] Step 1: Entering User Data

[1420] The user uses the terminal interface to input basic information such as age, income, and family composition. They also select an investment product. This input data includes the user ID, investment product ID, and basic information about the user. The terminal then sends this data to the server.

[1421] Input: Age, income, family composition, user ID, investment product ID

[1422] Output: Basic information and investment product selection data

[1423] Step 2: Obtain a risk profile

[1424] The server retrieves detailed information about the selected investment product from the database based on the received user basic information and investment product ID, including the risk profile of the investment product.

[1425] Input: User's basic information, investment product ID

[1426] Output: Risk profile of the investment product

[1427] Step 3: Calculate the best insurance plan

[1428] The server inputs the acquired user's basic information and risk profile into the AI ​​engine, which then calculates the optimal insurance amount and period based on this information and generates an insurance plan.

[1429] Input: User's basic information, investment product risk profile

[1430] Output: Insurance amount, insurance period, insurance plan

[1431] Step 4: View your insurance plan

[1432] The terminal receives the insurance plan sent from the server and visually displays it to the user, who then confirms the plan.

[1433] Input: Insurance Plan

[1434] Output: A visual representation of the insurance plan

[1435] Step 5: Capturing and recognizing emotions

[1436] When a user checks the displayed insurance plan, the device's camera is used to capture the user's facial expression. The captured facial expression data is input into the emotion engine, and the emotional information is analyzed.

[1437] Input: User's facial expression data

[1438] Output: Emotional information (e.g., anxiety, relief, satisfaction, dissatisfaction)

[1439] Step 6: Send emotional information and readjust your plan

[1440] The user's emotional information is sent to the server. The server recalculates the insurance plan based on the emotional information and creates a plan that is more suitable for the user. The recalculated plan is sent back to the terminal and displayed to the user.

[1441] Input: Emotion information

[1442] Output: Rebalanced insurance plan

[1443] Through the above processing steps, the system is able to provide the optimal insurance plan that takes into account the user's feelings.

[1444] 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.

[1445] 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.

[1446] 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 robot 414.

[1447] 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.

[1448] 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.

[1449] 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.

[1450] 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).

[1451] 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.

[1452] 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."

[1453] 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.

[1454] 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).

[1455] 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.

[1456] 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.

[1457] 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.

[1458] 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.

[1459] 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.

[1460] 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.

[1461] 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.

[1462] 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.

[1463] 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.

[1464] 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.

[1465] The following is further disclosed regarding the above embodiment.

[1466] (Claim 1)

[1467] a means of obtaining the risk profile of an investment product;

[1468] A means for obtaining basic information about a user;

[1469] an AI engine that calculates the optimal insurance amount and period based on the risk profile of the investment product and basic information of the user;

[1470] A means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine;

[1471] means for displaying said insurance plan to a user;

[1472] A system including:

[1473] (Claim 2)

[1474] 10. The system of claim 1, further comprising: means for providing an interface for a user to select an investment product and enter basic information.

[1475] (Claim 3)

[1476] 10. The system of claim 1, wherein the insurance plan includes a premium plan based on user selection.

[1477] "Example 1"

[1478] (Claim 1)

[1479] means for receiving investment products and basic information entered by a user;

[1480] A means of obtaining detailed information and risk profiles of investment products from the database;

[1481] An AI engine that calculates the optimal insurance amount and period based on the acquired investment product information and the user's basic information, and

[1482] A means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine;

[1483] means for transmitting the generated insurance plan to a user's terminal;

[1484] means for displaying the insurance plan at the user terminal and accepting a user's approval or recalculation request;

[1485] A system including:

[1486] (Claim 2)

[1487] 10. The system of claim 1, further comprising means for selecting an investment product and entering basic information through a user interface.

[1488] (Claim 3)

[1489] The system of claim 1, wherein the generative AI model is used to analyze the user's basic information and the risk profile of the investment product to calculate the optimal insurance amount and period.

[1490] "Application Example 1"

[1491] (Claim 1)

[1492] a means of obtaining the risk profile of an investment product;

[1493] A means for obtaining basic information about a user;

[1494] an AI engine that calculates the optimal insurance amount and period based on the risk profile of the investment product and basic information of the user;

[1495] A means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine;

[1496] a means for displaying the insurance plan when a user purchases an investment product on an online shopping site;

[1497] A system including:

[1498] (Claim 2)

[1499] 10. The system of claim 1, further comprising: means for providing an interface for a user to select an investment product and enter basic information.

[1500] (Claim 3)

[1501] 10. The system of claim 1, wherein the insurance plans offered by the system include a premium plan based on a user's selection.

[1502] "Example 2: Combining Emotion Engines"

[1503] (Claim 1)

[1504] means for receiving an investment product selection and basic information input request from a user;

[1505] means for obtaining information on the selected investment product from the database;

[1506] An AI engine that analyzes users' basic information and the risk profile of investment products, and

[1507] A means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine;

[1508] means for transmitting the insurance plan to a user's terminal;

[1509] an emotion engine that recognizes emotions when a user reviews an insurance plan;

[1510] means for adjusting an insurance plan based on emotion information acquired by the emotion engine;

[1511] A system including:

[1512] (Claim 2)

[1513] 10. The system of claim 1, further comprising: means for providing an interface for a user to select an investment product and enter basic information.

[1514] (Claim 3)

[1515] 10. The system of claim 1, wherein the insurance plan includes adjustments that take into account emotional information of the user.

[1516] "Application example 2 when combining emotion engines"

[1517] (Claim 1)

[1518] a means of obtaining the risk profile of an investment product;

[1519] A means for obtaining basic information about a user;

[1520] an AI engine that calculates the optimal insurance amount and period based on the risk profile of the investment product and basic information of the user;

[1521] A means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine;

[1522] means for displaying said insurance plan to a user;

[1523] a means for adjusting the insurance plan based on the emotion information, the means comprising an emotion engine for recognizing the emotion of a user in real time;

[1524] A system including:

[1525] (Claim 2)

[1526] 10. The system of claim 1, further comprising: means for providing an interface for a user to select an investment product and enter basic information.

[1527] (Claim 3)

[1528] 10. The system of claim 1, wherein the insurance plan includes a premium plan based on user selection. [Explanation of symbols]

[1529] 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. a means of obtaining the risk profile of an investment product; A means for obtaining basic information about a user; an AI engine that calculates the optimal insurance amount and period based on the risk profile of the investment product and basic information of the user; A means for generating an insurance plan based on the insurance amount and period calculated by the AI ​​engine; means for displaying said insurance plan to a user; A system including:

2. 10. The system of claim 1, further comprising: means for providing an interface for a user to select an investment product and enter basic information.

3. The system of claim 1 , wherein the insurance plan includes a premium plan based on user selection.

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