System

Abstract

A system is provided.SOLUTION: A system comprising: means for a user to enter and authenticate personal data; means for generating an asset creation plan based on the user's entered data using a generation AI; means for visualizing the user's asset creation plan and predicting future financial assets; means for suggesting investment instruments and providing relevant information based on the planning results; and means for displaying the investment instrument suggestion and information providing results on the user's dedicated page.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] Many people are anxious about building assets for the future, and because specific methods and plans are unclear, they are unable to take appropriate action. Another issue is that even if financial companies independently conduct marketing to customers, they are unable to achieve significant results. Furthermore, because information on individual investment products is difficult to understand, general users often have difficulty making investment decisions. For this reason, there is a demand for a system that allows users to build assets with peace of mind for the future and take concrete investment actions. [Means for solving the problem]

[0005] The present invention provides a system in which a user inputs personal information and uses a generation AI to generate an asset formation plan. The generation AI creates an asset formation plan based on information entered by the user, such as age, annual income, and current financial assets, and visualizes the results. It also predicts future financial assets and identifies shortfalls by comparing them with ideal asset amounts. The generation AI suggests appropriate investment products and provides related information based on the results of the user's asset formation plan. This information is displayed on the user's dedicated page and can be updated as many times as desired. The system also makes optimal investment proposals by implementing integrated marketing measures tailored to the user's investment stage. These measures can help users alleviate their concerns about future asset formation and take concrete investment action.

[0006] "User" refers to an individual who uses the system.

[0007] "Personal Information" refers to the user's financial situation and personal data, such as the user's age, annual income, and current financial assets.

[0008] "Authentication" refers to the process of verifying a user's identity and granting access to a system.

[0009] "Generative AI" refers to artificial intelligence that analyzes user data and generates predictions and suggestions.

[0010] "Asset formation planning" refers to the process of predicting future asset status based on a user's current financial situation and creating an appropriate asset management plan.

[0011] "Suggestion" refers to the generative AI proposing investment products and actions that it deems appropriate for the user.

[0012] "Related information" refers to detailed information about suggested investment products and commentary on market trends.

[0013] "Dedicated page" refers to a web page or a page within an application where each user can check the results of their asset formation planning and suggested investment products.

[0014] "Integrated marketing measures" refer to activities that optimize investment proposals by conducting marketing in the optimal combination according to the user's situation.

[0015] "Financial assets" refers to all financial products held by a user, such as cash, deposits, stocks, bonds, and investment trusts. [Brief explanation of the drawings]

[0016] [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

[0017] 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.

[0018] First, the terms used in the following description will be explained.

[0019] 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).

[0020] 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.

[0021] 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.

[0022] 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.

[0023] 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."

[0024] [First embodiment]

[0025] FIG. 1 shows an example of the configuration of a data processing system 10 according to the first embodiment.

[0026] 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.

[0027] 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).

[0028] 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.

[0029] 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.

[0030] 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.

[0031] 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.

[0032] FIG. 2 shows an example of the main functions of the data processing device 12 and the smart device 14.

[0033] 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.

[0034] 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.

[0035] 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.

[0036] 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."

[0037] This invention relates to a system that allows users to input personal information and use a generation AI to carry out asset formation planning.The purpose of this invention is to enable users to build assets with peace of mind by visualizing the user's future asset status and proposing appropriate investment products.

[0038] User Registration and Authentication

[0039] A user accesses the system using a web browser or a dedicated app and enters the required personal information (such as name, email address, and password) on the new user registration screen. The device sends this information to the server. The server stores the received information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in.

[0040] Initial settings and information entry

[0041] After logging in, users go to a profile page and enter details such as their age, annual income, current financial assets, etc. The device sends the entered information to the server, which then stores the data in a database.

[0042] Asset formation planning

[0043] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan. The generation AI analyzes the input data and simulates the user's expected financial assets at age 65. The simulation results are compared with the ideal asset amount and generated as an asset formation planning table. The server saves the generated planning table on the user's MyPage and displays it.

[0044] Investment proposals and information

[0045] Based on the asset formation planning table, the generation AI calculates the investment amount required to reach the ideal asset amount. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server queries the generation AI for basic information such as relevant company information and market trends, and instructs it to explain this information in an easy-to-understand manner. The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server. The server reflects and displays this information on the user's MyPage.

[0046] Account opening and marketing initiatives

[0047] If the user accepts the investment proposal, the terminal redirects the user to the application screen for opening a PayPay Securities (LINE Securities) account. The server sends the account opening information entered by the user to the financial institution and supports the application process. When the account opening is complete, the server notifies the user. The server also displays instructions to the user encouraging them to use related financial services (e.g., opening a PayPay Bank account or applying for a PayPay card). The generation AI executes integrated marketing measures according to the user's investment stage and provides investment proposals and marketing information at the optimal time.

[0048] Specific examples

[0049] For example, let's say a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system in the following way: The user enters their age (34), annual income of 5 million yen, and current financial assets of 3 million yen, and sends this information from their device to the server. The server passes this information to the generation AI, which creates an asset formation plan. The generation AI simulates the user's expected financial assets at age 65 based on the user's information, arriving at a result of 60 million yen. It calculates the ideal asset amount to 80 million yen and indicates a shortfall of 20 million yen. The generation AI suggests investment products suitable for the user and provides easy-to-understand explanations of the investment information and risks of those products. The server saves this information on the user's MyPage and updates it in real time.

[0050] The present invention allows users to understand specific asset formation plans and engage in investment activities with peace of mind.

[0051] The processing flow will be explained below.

[0052] Step 1:

[0053] Users open a web browser or a dedicated app, access the new user registration screen, and enter their name, email address, and password.

[0054] Step 2:

[0055] The terminal transmits this information to the server.

[0056] Step 3:

[0057] The server stores the received information in a database and sends a confirmation email to the user.

[0058] Step 4:

[0059] When the user clicks on the link in the confirmation email, the server activates the account and sets it up so the user can log in.

[0060] Step 5:

[0061] After logging in, users go to their profile page and enter detailed information such as their age, annual income, and current financial assets.

[0062] Step 6:

[0063] The terminal transmits the input information to the server.

[0064] Step 7:

[0065] The server stores the received information in a database.

[0066] Step 8:

[0067] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan.

[0068] Step 9:

[0069] The generative AI analyzes the input data and simulates the user's expected financial assets at age 65.

[0070] Step 10:

[0071] The generation AI compares the ideal asset amount with the actual simulation results and generates an asset formation planning table.

[0072] Step 11:

[0073] The server saves the generated planning table in the user's MyPage and displays it.

[0074] Step 12:

[0075] The generating AI calculates the investment amount required to reach the ideal asset amount based on the user's asset formation planning table.

[0076] Step 13:

[0077] The generative AI suggests appropriate investment products (stocks, investment trusts, etc.) based on the user's financial situation and risk tolerance.

[0078] Step 14:

[0079] The server queries the generation AI for basic information about the investment product and market data, and instructs it to explain it in an easy-to-understand manner.

[0080] Step 15:

[0081] The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server.

[0082] Step 16:

[0083] The server reflects this information on the user's MyPage and displays it.

[0084] Step 17:

[0085] If the user accepts the investment proposal, the terminal redirects the user to a screen for applying to open an account with a securities company.

[0086] Step 18:

[0087] The server sends the account opening information entered by the user to the financial institution and supports the application process.

[0088] Step 19:

[0089] The server confirms that the account opening is complete and notifies the user.

[0090] Step 20:

[0091] The server displays a guide to the user to encourage opening or applying for related financial services.

[0092] Step 21:

[0093] The generative AI implements integrated marketing measures according to the user's investment stage and provides investment proposals and marketing information at the optimal time.

[0094] Example 1

[0095] 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."

[0096] In modern society, individuals need detailed financial knowledge and information to build assets. However, most individuals are not familiar with this knowledge and information, making it difficult to build assets appropriately. In addition, there is a lack of means to accurately grasp one's own asset status and predict future financial assets, making it difficult to make optimal investments while managing risk.

[0097] 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.

[0098] In this invention, the server includes means for a user to input personal information for authentication, means for generating an asset formation plan based on the user's input information using a generative AI model, means for visualizing the user's asset formation plan and predicting future financial assets, means for suggesting investment products and providing related information based on the planning results, means for displaying the investment product suggestions and information provision results on the user's dedicated page, means for the user to activate their account by clicking a link in a confirmation email, means for entering the user's detailed information on a profile page, means for saving the user's information in a database, means for passing user data to the generative AI model and sending prompt messages, and means for saving and displaying the asset formation plan table on the user's MyPage. This allows the user to understand the specific asset formation plan and engage in investment activities with peace of mind.

[0099] "Personal information" refers to information necessary to identify a user, such as the user's name, email address, and password.

[0100] "Authentication" is the process of verifying personal information entered by a user and verifying its validity.

[0101] A "generative AI model" is an artificial intelligence that analyzes input data and makes plans and predictions according to specific purposes.

[0102] "Asset formation planning" is the process of predicting future financial situations based on information entered by the user and creating an optimal asset formation plan.

[0103] "Visualization" is the process of visually displaying data or information so that it can be easily understood by users.

[0104] "Financial assets" are assets owned by a user, such as cash, savings, stocks, and investment trusts.

[0105] "Investment products" are financial products that users can purchase or invest in, including, for example, stocks and investment trusts.

[0106] "Related information" is information about specific investment products and market trends that is necessary for users to make appropriate investment decisions.

[0107] A "dedicated page" is a web page provided individually to each user, which displays the user's asset information and investment proposals.

[0108] A "confirmation email" is an email sent to the email address entered by the user for authentication purposes.

[0109] "Account activation" is an operation to change the status of an account so that the user can officially use the system.

[0110] A "profile page" is a web page where a user can enter details about themselves.

[0111] A "database" is a system for storing and managing input user information.

[0112] A "prompt" is a formalized sentence that asks a generative AI model for specific instructions or data analysis.

[0113] "Integrated marketing measures" are a series of activities that provide optimal investment proposals and marketing information at the appropriate time according to the user's investment stage.

[0114] This invention is a system that allows users to input personal information and use a generative AI model to carry out asset formation planning. The system aims to enable users to build assets with peace of mind by visualizing their future asset status and proposing appropriate investment products.

[0115] Users access the system using a web browser or a dedicated app. The system uses web technologies such as HTML, CSS, and JavaScript to display a user registration screen. Users enter personal information such as their name, email address, and password on this screen. The device sends the entered information to the server, which stores it in a database. A confirmation email is sent to the email address entered by the user, and the server activates the user's account when the user clicks on the link in the confirmation email.

[0116] When a user logs in, a profile page appears. On this page, the user enters details such as age, annual income, and current financial assets. The device sends the entered information to the server, which stores it in a database. Based on the stored information, the server sends prompts to the generative AI model, requesting it to generate a wealth formation plan.

[0117] As a concrete example, consider the case where a user inputs information such as age 34, annual income of 5 million yen, and current financial assets of 3 million yen. The server sends the following prompt to the generative AI model:

[0118] "Please simulate the projected and ideal financial assets of a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen at age 65, and suggest the most suitable investment products."

[0119] The generative AI model analyzes this prompt and user data to simulate the user's expected financial assets at age 65. The simulation results are compared with the ideal amount of assets and generated as an asset formation planning table. The server saves and displays the generated planning table on the user's MyPage.

[0120] Next, the generative AI model calculates the investment amount required for the user to reach their ideal asset amount based on the asset formation planning table. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server also collects market trends and related company information and provides this to the generative AI model, providing comprehensive investment information to the user.

[0121] Once the investment information is generated, the server reflects it on the user's MyPage or updates it in real time if new information is available. If the user accepts the investment proposal, the terminal redirects the user to an application screen for opening an account at a financial institution, and the server supports the application procedure.

[0122] This system allows users to understand detailed asset formation plans and carry out reliable investment activities.

[0123] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0124] Step 1:

[0125] The user launches a web browser or a dedicated app and accesses the new user registration screen. Input: Web browser or dedicated app, personal information (name, email address, password, etc.). The server uses HTML, CSS, and JavaScript to display the user registration screen. Output: User registration screen.

[0126] Step 2:

[0127] The user enters personal information such as name, email address, and password. Input: Personal information. The device processes the entered information and sends it to the server. Output: User information sent to the server.

[0128] Step 3:

[0129] The server stores the received personal information in a database. Input: Sent user information. Output: User information stored in the database. In addition, the server generates a confirmation email and sends it to the user through the SMTP server. Input: User information. Output: Sending confirmation email.

[0130] Step 4:

[0131] The user clicks on the link in the confirmation email they received. Input: Confirmation email. The server detects the link click and activates the user's account. Input: Link click. Output: Updates the user status in the database to "enabled".

[0132] Step 5:

[0133] After a user logs in, they are taken to their profile page. Input: Login information. The server generates a profile page based on the user data. Output: Profile page.

[0134] Step 6:

[0135] The user inputs detailed information such as age, annual income, current financial assets, etc. Input: Detailed information such as age, annual income, current financial assets, etc. The terminal sends this information to the server. Output: Detailed information sent to the server.

[0136] Step 7:

[0137] The server stores the received details in a database for future use. Input: Details sent. Output: Details stored in the database. The server generates a confirmation message confirming successful saving and displays it to the user. Output: Confirmation message.

[0138] Step 8:

[0139] The server passes the user's detailed information to the generative AI model and prepares a prompt. Input: Detailed information. Output: Generated prompt. The server sends the prompt to the generative AI model, requesting it to generate an asset formation plan. Input: Generated prompt. Output: Prompt sent to the generative AI model.

[0140] Step 9:

[0141] The generative AI model analyzes the prompt and user data to simulate the user's expected financial assets at age 65. Input: Prompt, user data. The generative AI model calculates the ideal asset amount and indicates the shortfall. Output: Asset formation planning table.

[0142] Step 10:

[0143] The server saves the generated asset formation planning table in the database and reflects it on the user's MyPage. Input: Asset formation planning table. Output: MyPage update. The user can check the asset formation planning results on MyPage. Output: Planning results displayed on MyPage.

[0144] Step 11:

[0145] Based on the asset formation planning table, the generative AI model calculates the investment amount required for the user to reach their ideal asset amount and suggests appropriate investment products. Input: Asset formation planning table. Output: Investment proposals.

[0146] Step 12:

[0147] The server collects relevant market trends and company information and provides this to the generative AI model. The server reflects the generated investment information on MyPage and displays it to the user. Input: Market trends, company information. Output: Investment information reflected on MyPage. Users can check the latest investment information on MyPage. Output: Investment information displayed to the user.

[0148] Step 13:

[0149] If the user accepts the investment proposal, the terminal redirects the user to the financial institution's account opening application screen. Input: Acceptance of investment proposal. The server sends the account opening information entered by the user to the financial institution to assist with the procedure. Input: Account opening information. Output: Account opening information sent to the financial institution.

[0150] Step 14:

[0151] The server notifies the user when account opening is complete. Input: Account opening completion information. Output: Notification to the user. In addition, the server displays information about related financial services. Input: Related service information. Output: Information displayed to the user.

[0152] (Application example 1)

[0153] 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."

[0154] In conventional asset formation systems, users could not easily predict what their future asset situation would be, and the information provided to select appropriate investment products was insufficient. In addition, the procedures for actually purchasing the proposed investment products were complicated, resulting in low user convenience. This created a problem that made it difficult for users to build assets with peace of mind.

[0155] 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.

[0156] In this invention, the server includes means for a user to input and authenticate personal information, means for generating an asset formation plan based on the user's input information using a generation AI, means for proposing optimal investment products based on the results of the asset formation plan and providing related information, means for displaying the investment product proposals and information provision results on a user's dedicated page, and means for purchasing the proposed investment products using an electronic payment function. This allows the user to understand their future asset situation in more detail and easily select and purchase appropriate investment products.

[0157] "User" means an individual or legal entity that enters personal information and creates an account in order to use the system to conduct asset formation planning.

[0158] "Personal information" refers to information necessary to identify a user's identity and circumstances, such as the user's name, email address, password, age, annual income, and current financial assets.

[0159] "Authentication" is a procedure required for a user to gain access to a system, and is the process of verifying the user's identity based on personal information entered.

[0160] "Generative AI" is a system that uses artificial intelligence to analyze information entered by users and automatically generate asset formation plans.

[0161] "Asset formation planning" is the process of predicting the user's future asset situation based on their current situation and formulating a specific plan to reach their ideal asset amount.

[0162] "Investment products" are financial products such as stocks, investment trusts, and real estate that users can purchase to build up their assets.

[0163] "Related information" refers to supplementary information that users need when considering an investment, such as the advantages and disadvantages of investment products, risks, and market trends.

[0164] "Electronic payment facility" refers to technology that simplifies the payment process for users to purchase proposed investment products online.

[0165] A "dedicated page" is a web page or application screen that is individually provided for each user and is used to display investment product proposals and related information.

[0166] "Integrated marketing measures" refers to a series of marketing activities aimed at providing optimal investment proposals and related information according to the user's investment stage.

[0167] "Investment stage" is a concept that indicates the stage a user is currently at in the asset formation process, and is used to provide appropriate investment products and information accordingly.

[0168] This invention relates to a system in which users input their personal information, use AI to create asset formation plans, and execute investments through electronic payment functions. The system is designed to enable users to work on asset formation without worry.

[0169] System Configuration

[0170] The system consists of the following main components:

[0171] User terminal: A device such as a smartphone or computer into which a user enters personal information and information related to asset formation.

[0172] Server: Stores the personal information entered, calls the generation AI to generate asset formation plans, and provides users with suggested investment products and related information.

[0173] Generative AI model: An artificial intelligence model implemented in a programming language such as Python that analyzes user input and creates wealth creation plans and investment recommendations.

[0174] Specific processing flow

[0175] 1. User Registration and Authentication

[0176] The user enters personal information (name, email address, password) to create an account. The entered information is sent from the device to the server. The server stores it in a database and sends a confirmation email. The user clicks on the link in the confirmation email to activate the account.

[0177] 2. Initial settings and information entry

[0178] After logging in, users enter details such as their age, annual income, and current financial assets. This data is sent from the device to the server and passed to the generative AI model.

[0179] 3. Creating an asset formation plan

[0180] The server calls the generative AI model and generates an asset formation plan based on the user's input information. The generative AI model analyzes the input data and simulates the user's future asset situation.

[0181] 4. Investment proposals and information provision

[0182] The generative AI model proposes suitable investment products based on the simulation results and generates detailed product information, including advantages and disadvantages, risks, and market trends. The server displays this information on the user's dedicated page.

[0183] 5. Electronic payment function

[0184] If the user wishes to purchase the proposed investment product, the server will support the purchase procedure through an electronic payment function, allowing the user to easily start investing.

[0185] Specific examples

[0186] For example, a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen would use the system in the following way: First, they access the system from a web browser or dedicated app, enter their personal information and create an account. Next, they enter details of their age, annual income, and current financial assets. The generative AI model then analyzes this data, simulates their projected assets at age 65, and calculates the shortfall. The generative AI model then suggests investment products suitable for the user and provides detailed information about those products. The user can confirm this information through a dedicated page and make their investment using the electronic payment function.

[0187] Prompt Sentence Examples

[0188] "34 years old, annual income of 5 million yen, current financial assets of 3 million yen"

[0189] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0190] Step 1:

[0191] User Registration and Authentication

[0192] Input: The user enters personal information (name, email address, password) into the device.

[0193] Processing: The device sends this information to the server, which stores the data in a database, and then sends a confirmation email to the user's email address.

[0194] Output: The user clicks on the link in the confirmation email and their account is activated and they can log in.

[0195] Step 2:

[0196] Initial settings and information entry

[0197] Input: The user enters details such as age, annual income, and current financial assets into the terminal.

[0198] Processing: The terminal sends the entered information to the server, which stores it in a database.

[0199] Output: Based on the input information, the server prepares this data to be passed to a generative AI model.

[0200] Step 3:

[0201] Creating an asset formation plan

[0202] Input: The server passes the initial and saved user information to the generative AI model.

[0203] Processing: The generative AI model analyzes the user's age, annual income, and current financial assets to simulate their future financial situation.

[0204] Output: The generated asset formation planning results are sent back to the server.

[0205] Step 4:

[0206] Investment proposals and information

[0207] Input: The server receives the wealth planning results received from the generative AI model.

[0208] Processing: Based on the planning results, the generative AI model selects the most suitable investment product and generates detailed information on the investment product, its advantages and disadvantages, risks, and market trends.

[0209] Output: The proposed investment products and related information are sent to the server and displayed on the user's personal page.

[0210] Step 5:

[0211] Electronic payment function

[0212] Input: The user reviews the proposed investment products on a dedicated page and selects the product they wish to purchase.

[0213] Processing: The server invokes the electronic payment function and performs the payment procedure based on the user's selection.

[0214] Output: If the payment is successful, the user's purchase history is saved in the database and a purchase notification is sent to the user.

[0215] Prompt Sentence Examples

[0216] "34 years old, annual income of 5 million yen, current financial assets of 3 million yen"

[0217] That's all for the explanation.

[0218] 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.

[0219] This invention relates to a system that allows users to input personal information and use generative AI and an emotion engine to carry out asset formation planning. The purpose of this invention is to visualize the user's future asset status and propose appropriate investment products, as well as to recognize the user's emotional state and make more appropriate investment proposals, allowing users to build assets with peace of mind.

[0220] User Registration and Authentication

[0221] A user accesses the system using a web browser or a dedicated app and enters the required personal information (such as name, email address, and password) on the new user registration screen. The device sends this information to the server. The server stores the received information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in.

[0222] Initial settings and information entry

[0223] After logging in, users go to a profile page and enter details such as their age, annual income, current financial assets, etc. The device sends the entered information to the server, which then stores the data in a database.

[0224] Asset formation planning

[0225] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan. The generation AI analyzes the input data and simulates the user's expected financial assets at age 65. The simulation results are compared with the ideal asset amount and generated as an asset formation planning table. The server saves the generated planning table on the user's MyPage and displays it.

[0226] Investment proposals and information

[0227] Based on the asset formation planning table, the generation AI calculates the investment amount required to reach the ideal asset amount. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server queries the generation AI for basic information such as relevant company information and market trends, and instructs it to explain this information in an easy-to-understand manner. The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server. The server reflects and displays this information on the user's MyPage.

[0228] Use of emotion engine

[0229] When a user interacts with the system, the emotion engine recognizes the user's emotional state (e.g., stress level, risk tolerance) based on the user's input and behavior. For example, if the user is worried for a long time or repeatedly checks specific information, the emotion engine will detect a high stress level.

[0230] Emotional customization

[0231] The Generative AI generates customized asset formation planning and investment suggestions based on the user's emotional state as recognized by the Emotion Engine. For example, if a user indicates a high stress level, it will adjust its suggestions to include low-risk investment products. The server displays these customized suggestions on the user's MyPage and updates them in real time.

[0232] Specific examples

[0233] For example, let's say a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system in the following way: The user enters their age (34), annual income of 5 million yen, and current financial assets of 3 million yen, and sends this information from their device to the server. The server passes this information to the generation AI, which then creates an asset formation plan. The generation AI simulates the user's expected financial assets at age 65 based on the user's information, resulting in 60 million yen. It calculates the ideal asset amount as 80 million yen and indicates the shortfall of 20 million yen. The generation AI then suggests investment products suitable for the user and clearly explains the investment information and risks of those products. The server saves this information on the user's MyPage and updates it in real time. The emotion engine also monitors the user's stress level as they interact with the system, and the generation AI uses this emotional information to make additional, customized suggestions.

[0234] The present invention allows users to understand specific asset formation plans and receive appropriate investment proposals that take into account their emotional state, allowing users to form assets with greater peace of mind.

[0235] The processing flow will be explained below.

[0236] Step 1:

[0237] Users open a web browser or a dedicated app, access the new user registration screen, and enter their name, email address, and password.

[0238] Step 2:

[0239] The terminal transmits this information to the server.

[0240] Step 3:

[0241] The server stores the received information in a database and sends a confirmation email to the user.

[0242] Step 4:

[0243] When the user clicks on the link in the confirmation email, the server activates the account and sets it up so the user can log in.

[0244] Step 5:

[0245] After logging in, users go to their profile page and enter detailed information such as their age, annual income, and current financial assets.

[0246] Step 6:

[0247] The terminal transmits the input information to the server.

[0248] Step 7:

[0249] The server stores the received information in a database.

[0250] Step 8:

[0251] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan.

[0252] Step 9:

[0253] The generative AI analyzes the input data and simulates the user's expected financial assets at age 65.

[0254] Step 10:

[0255] The generation AI compares the ideal asset amount with the actual simulation results and generates an asset formation planning table.

[0256] Step 11:

[0257] The server saves the generated planning table in the user's MyPage and displays it.

[0258] Step 12:

[0259] The emotion engine recognizes the user's emotional state based on their input and behavior, for example detecting stress levels if they linger on a piece of information for a long time or repeatedly check specific information.

[0260] Step 13:

[0261] The generative AI generates customized wealth planning and investment recommendations based on the user's emotional state as recognized by the emotion engine.

[0262] Step 14:

[0263] The generative AI suggests appropriate investment products (stocks, investment trusts, etc.) based on the user's financial situation and risk tolerance.

[0264] Step 15:

[0265] The server queries the generation AI for basic information about the investment product and market data, and instructs it to explain it in an easy-to-understand manner.

[0266] Step 16:

[0267] The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server.

[0268] Step 17:

[0269] The server reflects this information on the user's MyPage and displays it.

[0270] Step 18:

[0271] If the user accepts the investment proposal, the terminal redirects the user to a screen for applying to open an account with a securities company.

[0272] Step 19:

[0273] The server sends the account opening information entered by the user to the financial institution and supports the application process.

[0274] Step 20:

[0275] The server confirms that the account opening is complete and notifies the user.

[0276] Step 20:

[0277] The server displays a guide to the user to encourage opening or applying for related financial services.

[0278] Step 21:

[0279] The generative AI implements integrated marketing measures according to the user's investment stage and provides investment proposals and marketing information at the optimal time.

[0280] Example 2

[0281] 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."

[0282] While conventional asset formation systems can provide individual investment suggestions and financial asset forecasts, they do not provide support that goes as far as providing appropriate investment suggestions that take into account the user's emotional state. Therefore, there is a need for a system that can reduce user stress caused by information overload and risk, and allow users to proceed with asset formation with peace of mind.

[0283] 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.

[0284] In this invention, the server includes means for a user to input and authenticate personal information, means for generating an asset formation plan based on the user's input information using a generation AI, means for visualizing the user's asset formation plan and predicting future financial assets, means for proposing investment products based on the planning results and providing related information, means for displaying the investment product proposals and information provision results on the user's dedicated page, means for detecting the user's emotional state, and means for generating customized investment proposals based on the user's emotional state. This enables support for asset formation that takes into account the user's emotional state and provides peace of mind.

[0285] "User" refers to a user who uses the system to input personal information and receive asset formation planning and investment proposals.

[0286] "Personal information" refers to information that identifies a user, such as name, email address, password, age, annual income, and current financial assets.

[0287] "Authentication" refers to the process by which a system verifies information received from a user and confirms the user's legitimacy.

[0288] "Generative AI" refers to an artificial intelligence system that automatically generates asset formation plans and investment proposals based on data provided by users.

[0289] "Asset formation planning" refers to a plan that predicts future financial assets based on the user's current financial assets and income information, and creates an ideal asset formation plan.

[0290] "Visualization" refers to displaying asset formation planning and future financial asset forecast results in a way that is easy for users to understand.

[0291] "Investment products" refer to specific financial products, such as stocks and investment trusts, that are proposed for asset formation.

[0292] "Recommendation" refers to the process of presenting suitable investment products to a user and providing detailed information about those products.

[0293] "Dedicated page" refers to a personal page provided to each user individually, where the user's asset formation plan and investment proposals are displayed.

[0294] "Emotional state" refers to the user's psychological state as perceived by the system, such as the user's stress level or risk tolerance.

[0295] "Customized investment recommendations" refer to investment products and advice that are tailored to best suit the user, taking into account the user's emotional state.

[0296] MODE FOR CARRYING OUT THE INVENTION

[0297] This invention relates to a system that allows users to input personal information and use a generative AI and emotion engine to carry out asset formation planning. The system aims to visualize the user's future asset status and propose appropriate investment products, as well as recognize the user's emotional state to make more appropriate investment proposals, allowing users to build assets with peace of mind.

[0298] User Registration and Authentication

[0299] A user accesses the system using a web browser or a dedicated app and enters the required personal information (such as name, email address, and password) on the new user registration screen. The entered personal information is sent from the device to the server. The server stores the received information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in.

[0300] Initial settings and information entry

[0301] After logging in, users go to their profile page and enter details such as their age, annual income, current financial assets, etc. This information is sent by the device to the server, which stores the received data in a database.

[0302] Asset formation planning

[0303] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan. The generation AI analyzes the input data and simulates the user's expected financial assets at age 65. The simulation results are compared with the user's ideal asset amount and generated as an asset formation planning table. This planning table is saved by the server to the user's MyPage and displayed.

[0304] Investment proposals and information

[0305] Based on the asset formation planning table, the generation AI calculates the investment amount required to reach the ideal asset amount. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server queries the generation AI for basic information such as relevant company information and market trends, and instructs it to explain in an easy-to-understand manner. The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server. This information is reflected and displayed by the server on the user's MyPage.

[0306] Use of emotion engine

[0307] As users interact with the system, the emotion engine recognizes their emotional state (such as stress level or risk tolerance) based on their input and behavior. For example, if a user is worried for a long time or repeatedly checks specific information, the emotion engine will detect a high stress level.

[0308] Emotional customization

[0309] The Generative AI generates customized asset formation planning and investment proposals based on the user's emotional state as recognized by the Emotion Engine. For example, if a user indicates a high stress level, it will adjust the proposals to recommend low-risk investment products. The server displays the customized proposals on the user's MyPage and updates them in real time.

[0310] Specific examples

[0311] For example, let's say a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system in the following way: The user enters their age (34), annual income of 5 million yen, and current financial assets of 3 million yen, and sends this information from their device to the server. The server passes this information to the generation AI, which then creates an asset formation plan. The generation AI simulates the user's expected financial assets at age 65 based on the user's information, resulting in 60 million yen. It calculates the ideal asset amount as 80 million yen and displays a shortfall of 20 million yen. The generation AI then suggests investment products suitable for the user and clearly explains the investment information and risks of each product. The server saves this information on the user's MyPage and updates it in real time. The emotion engine also monitors the user's stress level as they interact with the system, and the generation AI uses this emotional information to make additional, customized suggestions.

[0312] Prompt Sentence Examples

[0313] "If a user is 34 years old, earns 5 million yen a year, and currently has financial assets of 3 million yen, and wants to accumulate assets worth 80 million yen by age 65, please tell me what asset formation plan and recommended investment products they would offer. Also, please explain the investment information and risks based on the calculation results."

[0314] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0315] Step 1:

[0316] The user accesses the new user registration screen using a web browser or a dedicated app and enters personal information (such as name, email address, and password). This entered information is sent to the device.

[0317] Input: Personal information such as name, email address, and password.

[0318] Output: The device sends personal information to the server.

[0319] Step 2:

[0320] The device sends the received personal information to the server, which stores the information in a database and sends a confirmation email to the user.

[0321] Input: Personal information sent from your device.

[0322] Output: Save personal information to database and send confirmation email to user.

[0323] Step 3:

[0324] The user verifies their account by clicking the link in the confirmation email, which causes the server to activate the user's account and allow the user to log in.

[0325] Input: User clicks on the link in the confirmation email.

[0326] Output: Account enabled.

[0327] Step 4:

[0328] After logging in, the user goes to a profile page and enters detailed information such as their age, annual income, current financial assets, etc. This information is sent to the terminal and then transferred from the terminal to the server.

[0329] Input: detailed information such as age, annual income, current financial assets, etc.

[0330] Output: The terminal sends detailed information to the server.

[0331] Step 5:

[0332] The server stores the received details in a database and passes them to the generation AI, requesting it to generate an asset formation plan.

[0333] Input: User details.

[0334] Output: Save to database and provide information to generation AI.

[0335] Step 6:

[0336] The AI ​​generator analyzes the received data and simulates the user's projected financial assets at age 65. It compares the simulation results with the ideal amount of assets and generates an asset formation planning table.

[0337] Input: User details.

[0338] Output: Asset formation planning table.

[0339] Step 7:

[0340] The server saves the generated asset formation planning table in the user's MyPage and displays it.

[0341] Input: Asset formation planning table generated by AI.

[0342] Output: Display on MyPage.

[0343] Step 8:

[0344] Based on the asset formation planning table, the AI ​​generator calculates the investment amount required to reach the ideal asset amount, and also suggests appropriate investment products based on the user's asset situation and risk tolerance.

[0345] Input: Asset formation planning table, user details.

[0346] Output: Recommendations for suitable investment products.

[0347] Step 9:

[0348] The server queries the generation AI for basic information such as relevant company information and market trends, and the generation AI generates information such as the advantages and disadvantages of the investment product, risks, and market trends, and sends it to the server.

[0349] Input: Company information and market trends queries from the server.

[0350] Output: Detailed information about the investment product.

[0351] Step 10:

[0352] The server displays the investment information provided by the generation AI on the user's MyPage so that the user can check it.

[0353] Input: Investment information generated by AI.

[0354] Output: Display on MyPage.

[0355] Step 11:

[0356] When a user interacts with the system, the emotion engine recognizes the user's emotional state based on their input and behavior. For example, if the user is worried for a long time or repeatedly checking information, it will detect a high stress level.

[0357] Input: User actions and input information.

[0358] Output: Emotional state recognition and stress level detection.

[0359] Step 12:

[0360] The Generative AI generates customized asset formation planning and investment proposals based on the user's emotional state as recognized by the emotion engine. For example, if a user indicates a high stress level, it will suggest low-risk investment products. The server displays these customized proposals on the user's MyPage and updates them in real time.

[0361] Input: Emotional state information.

[0362] Output: Generation of customized investment proposals and display on MyPage.

[0363] (Application example 2)

[0364] 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."

[0365] In today's asset-building world, it is complicated for users to obtain appropriate information and feel psychologically secure when investing, with a particular problem being the inconsistency in judgment due to emotional states. Furthermore, the purchasing process for investment products is cumbersome, creating a need for a system that is intuitively easy for users to understand and that allows them to take action immediately.

[0366] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for a user to input personal information and perform authentication, means for generating an asset formation plan based on the user's input information using a generation AI, means for visualizing the user's asset formation plan and predicting future financial assets, means for suggesting investment products and providing related information based on the planning results, means for displaying the investment product suggestions and information provision results on the user's dedicated page, means for recognizing the user's emotional state using an emotion engine and adjusting investment proposals according to the user's emotional state, and means for linking with an electronic payment service to easily purchase the suggested investment products. This allows users to invest with confidence and purchase investment products intuitively and quickly.

[0367] "User" refers to an individual who uses the system to manage assets and make investments.

[0368] "Personal information" refers to information that can identify a specific individual, such as a user's name, age, annual income, and current financial assets.

[0369] "Authentication" refers to the process of verifying that a user is a legitimate user.

[0370] "Generative AI" refers to artificial intelligence that generates asset formation plans based on user input information.

[0371] "Wealth formation planning" refers to the process of using user input information to predict future asset status and create an appropriate investment plan.

[0372] "Visualization" refers to displaying data or information in a way that is easy for users to understand.

[0373] "Investment products" refers to financial products such as stocks, investment trusts, and real estate that users purchase to manage their assets.

[0374] "Suggestion" refers to proposing appropriate investment products based on the user's asset formation plan.

[0375] "Relevant information" refers to information necessary for users to make investment decisions, such as the characteristics, risks, and yields of investment products.

[0376] "Dedicated page" refers to a web page or app page that is provided individually to each user.

[0377] An "emotion engine" refers to a system that analyzes a user's emotional state based on their behavior and input information.

[0378] "Emotional state" refers to a user's psychological state, such as excitement, stress, risk tolerance, etc.

[0379] "Electronic payment service" refers to a service for conducting monetary transactions online.

[0380] The present invention relates to a system for enabling a user to carry out asset formation planning using a smartphone or a head-mounted display. The system is implemented in the following manner.

[0381] First, the user enters and authenticates their personal information using a smartphone or other device. This information includes name, age, annual income, current financial assets, etc., and is sent from the device to the server. The server stores the received information in a database and sends the user a confirmation email. The user activates their account by clicking on a link in the confirmation email. Next, after logging in, the user enters their details on a profile page, which is also sent to the server.

[0382] Based on this user data, the server uses a generative AI to generate an asset formation plan. The generative AI is built using a programming language such as Python and performs data analysis. The generated plan is displayed on the server on a dedicated page for the user, visualizing future financial assets. Comparing the results, the generative AI suggests appropriate investment products and provides related information such as the characteristics, risks, and yields of the investment products.

[0383] In addition, the system uses an emotion engine to analyze the user's emotional state in real time. The emotion engine analyzes the user's operation history and input patterns, and if the user is feeling high stress, the generative AI adjusts to suggest low-risk investment products. This data is then stored on the server again and reflected in real time on the user's dedicated page.

[0384] Furthermore, the system can be linked to electronic payment services, allowing users to immediately purchase suggested investment products. This function is implemented through an API, allowing users to intuitively and quickly start managing their assets.

[0385] As a concrete example, if a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system, the following steps are included:

[0386] 1. The user enters information such as age, annual income, and current financial assets, and sends it from the terminal to the server.

[0387] 2. The server passes this information to the generation AI, which creates an asset formation plan.

[0388] 3. The generating AI simulates the expected financial assets at age 65 based on the user's information, resulting in 60 million yen.

[0389] 4. Calculate the ideal asset amount as 80 million yen and show the shortfall as 20 million yen.

[0390] 5. The generative AI suggests investment products suitable for the user and provides easy-to-understand explanations of the investment information and risks of those products.

[0391] 6. The server stores this information on the user's MyPage and updates it in real time.

[0392] 7. The emotion engine monitors the user's emotional state, and the generative AI uses this information to make additional customized suggestions.

[0393] As an example of a prompt statement, enter the following:

[0394] 1. User registration: The user enters personal information (name, email address, password) and sends it to the server.

[0395] 2. Information input: The user inputs detailed information such as age, annual income, current financial assets, etc. and sends it to the server.

[0396] 3. Generating an asset formation plan: The server passes the data to the generation AI, which creates an asset formation plan.

[0397] 4. Implementing investment proposals: The generation AI proposes appropriate investment products and sends relevant information to the server.

[0398] 5. Use of emotion engine: Analyze the user's emotional state based on their operation history and input patterns.

[0399] 6. Emotion-based plan customization: Generative AI will make investment suggestions based on your emotional state.

[0400] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0401] Step 1:

[0402] The user enters and authenticates personal information

[0403] Users use their smartphones or other devices to enter personal information and perform authentication. Specifically, they enter their name, age, email address, password, etc. The entered data is sent from the device to the server. The server stores this information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in. This allows the user to start using the system.

[0404] Input: Personal information such as name, age, email address, and password

[0405] Output: Account confirmation email

[0406] Step 2:

[0407] The user enters the details

[0408] After logging in, users go to their profile page and enter details such as their age, annual income, and current financial assets. The entered information is then sent back to the server from the device. The server stores this information in a database, which is then used for future asset formation planning.

[0409] Input: User details such as age, annual income, current financial assets, etc.

[0410] Output: Details are saved in a database

[0411] Step 3:

[0412] Generate wealth planning using generative AI

[0413] The server passes the user's detailed information to the generation AI and requests it to generate an asset formation plan. The generation AI performs analysis and simulates the user's future financial assets. The simulation results are compared with the ideal asset amount and generated as an asset formation planning table. The generated planning table is saved on the server and displayed on the user's dedicated page.

[0414] Input: User details

[0415] Output: Asset formation planning table, simulation results

[0416] Step 4:

[0417] Suggest investment products and provide relevant information

[0418] The AI ​​generator suggests appropriate investment products based on the asset formation planning table. It also generates related information such as the characteristics, risks, and yields of the investment products and sends it to the server. The server then displays this information on the user's dedicated page in an easy-to-understand format. Specifically, it includes detailed information about each investment product and market trends.

[0419] Input: Asset formation planning table

[0420] Output: Investment product suggestions and related information

[0421] Step 5:

[0422] Recognizing the user's emotional state using an emotion engine

[0423] When a user browses a dedicated page or checks investment information, the emotion engine monitors the user's operation history and input patterns. The emotion engine analyzes the user's emotional state (such as stress level and risk tolerance) in real time and feeds the results back to the generation AI.

[0424] Input: User operation history and input patterns

[0425] Output: Emotional state analysis result

[0426] Step 6:

[0427] Generate customized investment recommendations based on your emotional state

[0428] The Generative AI generates customized asset formation plans and investment proposals based on the analysis results from the Emotion Engine. For example, if a user shows high levels of stress, it will adjust the suggestions to include low-risk investment products. The server then displays these customized proposals in real time on the user's dedicated page.

[0429] Input: Emotional state analysis results, original asset formation planning table

[0430] Output: Customized wealth planning and investment proposals

[0431] Step 7:

[0432] Linking with electronic payment services to make purchasing investment products easier

[0433] When a user purchases a suggested investment product, the server connects to an electronic payment service. The user can complete the purchase of the investment product with intuitive operations. The payment information is sent to the server and saved in a database as a purchase history.

[0434] Input: Investment purchase request

[0435] Output: Payment information, purchase history

[0436] As described above, the processing performed at each step allows the user to receive comprehensive asset formation planning and investment proposals, providing a system that allows the user to proceed with investments with peace of mind.

[0437] 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.

[0438] 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.

[0439] 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.

[0440] [Second embodiment]

[0441] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0442] 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.

[0443] 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).

[0444] 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.

[0445] 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.

[0446] 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).

[0447] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 control the exchange of various information between the processor 46 and the processor 28 via the network 54. The exchange of various information between the processor 46 and the processor 28 using the communication I / Fs 44 and 26 is carried out in a secure state.

[0448] 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.

[0449] 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.

[0450] 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.

[0451] In the smart glasses 214, 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.

[0452] 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."

[0453] This invention relates to a system that allows users to input personal information and use a generation AI to carry out asset formation planning.The purpose of this invention is to enable users to build assets with peace of mind by visualizing the user's future asset status and proposing appropriate investment products.

[0454] User Registration and Authentication

[0455] A user accesses the system using a web browser or a dedicated app and enters the required personal information (such as name, email address, and password) on the new user registration screen. The device sends this information to the server. The server stores the received information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in.

[0456] Initial settings and information entry

[0457] After logging in, users go to a profile page and enter details such as their age, annual income, current financial assets, etc. The device sends the entered information to the server, which then stores the data in a database.

[0458] Asset formation planning

[0459] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan. The generation AI analyzes the input data and simulates the user's expected financial assets at age 65. The simulation results are compared with the ideal asset amount and generated as an asset formation planning table. The server saves the generated planning table on the user's MyPage and displays it.

[0460] Investment proposals and information

[0461] Based on the asset formation planning table, the generation AI calculates the investment amount required to reach the ideal asset amount. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server queries the generation AI for basic information such as relevant company information and market trends, and instructs it to explain this information in an easy-to-understand manner. The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server. The server reflects and displays this information on the user's MyPage.

[0462] Account opening and marketing initiatives

[0463] If the user accepts the investment proposal, the terminal redirects the user to the application screen for opening a PayPay Securities (LINE Securities) account. The server sends the account opening information entered by the user to the financial institution and supports the application process. When the account opening is complete, the server notifies the user. The server also displays instructions to the user encouraging them to use related financial services (e.g., opening a PayPay Bank account or applying for a PayPay card). The generation AI executes integrated marketing measures according to the user's investment stage and provides investment proposals and marketing information at the optimal time.

[0464] Specific examples

[0465] For example, let's say a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system in the following way: The user enters their age (34), annual income of 5 million yen, and current financial assets of 3 million yen, and sends this information from their device to the server. The server passes this information to the generation AI, which creates an asset formation plan. The generation AI simulates the user's expected financial assets at age 65 based on the user's information, arriving at a result of 60 million yen. It calculates the ideal asset amount to 80 million yen and indicates a shortfall of 20 million yen. The generation AI suggests investment products suitable for the user and provides easy-to-understand explanations of the investment information and risks of those products. The server saves this information on the user's MyPage and updates it in real time.

[0466] The present invention allows users to understand specific asset formation plans and engage in investment activities with peace of mind.

[0467] The processing flow will be explained below.

[0468] Step 1:

[0469] Users open a web browser or a dedicated app, access the new user registration screen, and enter their name, email address, and password.

[0470] Step 2:

[0471] The terminal transmits this information to the server.

[0472] Step 3:

[0473] The server stores the received information in a database and sends a confirmation email to the user.

[0474] Step 4:

[0475] When the user clicks on the link in the confirmation email, the server activates the account and sets it up so the user can log in.

[0476] Step 5:

[0477] After logging in, users go to their profile page and enter detailed information such as their age, annual income, and current financial assets.

[0478] Step 6:

[0479] The terminal transmits the input information to the server.

[0480] Step 7:

[0481] The server stores the received information in a database.

[0482] Step 8:

[0483] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan.

[0484] Step 9:

[0485] The generative AI analyzes the input data and simulates the user's expected financial assets at age 65.

[0486] Step 10:

[0487] The generation AI compares the ideal asset amount with the actual simulation results and generates an asset formation planning table.

[0488] Step 11:

[0489] The server saves the generated planning table in the user's MyPage and displays it.

[0490] Step 12:

[0491] The generating AI calculates the investment amount required to reach the ideal asset amount based on the user's asset formation planning table.

[0492] Step 13:

[0493] The generative AI suggests appropriate investment products (stocks, investment trusts, etc.) based on the user's financial situation and risk tolerance.

[0494] Step 14:

[0495] The server queries the generation AI for basic information about the investment product and market data, and instructs it to explain it in an easy-to-understand manner.

[0496] Step 15:

[0497] The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server.

[0498] Step 16:

[0499] The server reflects this information on the user's MyPage and displays it.

[0500] Step 17:

[0501] If the user accepts the investment proposal, the terminal redirects the user to a screen for applying to open an account with a securities company.

[0502] Step 18:

[0503] The server sends the account opening information entered by the user to the financial institution and supports the application process.

[0504] Step 19:

[0505] The server confirms that the account opening is complete and notifies the user.

[0506] Step 20:

[0507] The server displays a guide to the user to encourage opening or applying for related financial services.

[0508] Step 21:

[0509] The generative AI implements integrated marketing measures according to the user's investment stage and provides investment proposals and marketing information at the optimal time.

[0510] Example 1

[0511] 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."

[0512] In modern society, individuals need detailed financial knowledge and information to build assets. However, most individuals are not familiar with this knowledge and information, making it difficult to build assets appropriately. In addition, there is a lack of means to accurately grasp one's own asset status and predict future financial assets, making it difficult to make optimal investments while managing risk.

[0513] 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.

[0514] In this invention, the server includes means for a user to input personal information for authentication, means for generating an asset formation plan based on the user's input information using a generative AI model, means for visualizing the user's asset formation plan and predicting future financial assets, means for suggesting investment products and providing related information based on the planning results, means for displaying the investment product suggestions and information provision results on the user's dedicated page, means for the user to activate their account by clicking a link in a confirmation email, means for entering the user's detailed information on a profile page, means for saving the user's information in a database, means for passing user data to the generative AI model and sending prompt messages, and means for saving and displaying the asset formation plan table on the user's MyPage. This allows the user to understand the specific asset formation plan and engage in investment activities with peace of mind.

[0515] "Personal information" refers to information necessary to identify a user, such as the user's name, email address, and password.

[0516] "Authentication" is the process of verifying personal information entered by a user and verifying its validity.

[0517] A "generative AI model" is an artificial intelligence that analyzes input data and makes plans and predictions according to specific purposes.

[0518] "Asset formation planning" is the process of predicting future financial situations based on information entered by the user and creating an optimal asset formation plan.

[0519] "Visualization" is the process of visually displaying data or information so that it can be easily understood by users.

[0520] "Financial assets" are assets owned by a user, such as cash, savings, stocks, and investment trusts.

[0521] "Investment products" are financial products that users can purchase or invest in, including, for example, stocks and investment trusts.

[0522] "Related information" is information about specific investment products and market trends that is necessary for users to make appropriate investment decisions.

[0523] A "dedicated page" is a web page provided individually to each user, which displays the user's asset information and investment proposals.

[0524] A "confirmation email" is an email sent to the email address entered by the user for authentication purposes.

[0525] "Account activation" is an operation to change the status of an account so that the user can officially use the system.

[0526] A "profile page" is a web page where a user can enter details about themselves.

[0527] A "database" is a system for storing and managing input user information.

[0528] A "prompt" is a formalized sentence that asks a generative AI model for specific instructions or data analysis.

[0529] "Integrated marketing measures" are a series of activities that provide optimal investment proposals and marketing information at the appropriate time according to the user's investment stage.

[0530] This invention is a system that allows users to input personal information and use a generative AI model to carry out asset formation planning. The system aims to enable users to build assets with peace of mind by visualizing their future asset status and proposing appropriate investment products.

[0531] Users access the system using a web browser or a dedicated app. The system uses web technologies such as HTML, CSS, and JavaScript to display a user registration screen. Users enter personal information such as their name, email address, and password on this screen. The device sends the entered information to the server, which stores it in a database. A confirmation email is sent to the email address entered by the user, and the server activates the user's account when the user clicks on the link in the confirmation email.

[0532] When a user logs in, a profile page appears. On this page, the user enters details such as age, annual income, and current financial assets. The device sends the entered information to the server, which stores it in a database. Based on the stored information, the server sends prompts to the generative AI model, requesting it to generate a wealth formation plan.

[0533] As a concrete example, consider the case where a user inputs information such as age 34, annual income of 5 million yen, and current financial assets of 3 million yen. The server sends the following prompt to the generative AI model:

[0534] "Please simulate the projected and ideal financial assets of a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen at age 65, and suggest the most suitable investment products."

[0535] The generative AI model analyzes this prompt and user data to simulate the user's expected financial assets at age 65. The simulation results are compared with the ideal amount of assets and generated as an asset formation planning table. The server saves and displays the generated planning table on the user's MyPage.

[0536] Next, the generative AI model calculates the investment amount required for the user to reach their ideal asset amount based on the asset formation planning table. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server also collects market trends and related company information and provides this to the generative AI model, providing comprehensive investment information to the user.

[0537] Once the investment information is generated, the server reflects it on the user's MyPage or updates it in real time if new information is available. If the user accepts the investment proposal, the terminal redirects the user to an application screen for opening an account at a financial institution, and the server supports the application procedure.

[0538] This system allows users to understand detailed asset formation plans and carry out reliable investment activities.

[0539] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0540] Step 1:

[0541] The user launches a web browser or a dedicated app and accesses the new user registration screen. Input: Web browser or dedicated app, personal information (name, email address, password, etc.). The server uses HTML, CSS, and JavaScript to display the user registration screen. Output: User registration screen.

[0542] Step 2:

[0543] The user enters personal information such as name, email address, and password. Input: Personal information. The device processes the entered information and sends it to the server. Output: User information sent to the server.

[0544] Step 3:

[0545] The server stores the received personal information in a database. Input: Sent user information. Output: User information stored in the database. In addition, the server generates a confirmation email and sends it to the user through the SMTP server. Input: User information. Output: Sending confirmation email.

[0546] Step 4:

[0547] The user clicks on the link in the confirmation email they received. Input: Confirmation email. The server detects the link click and activates the user's account. Input: Link click. Output: Updates the user status in the database to "enabled".

[0548] Step 5:

[0549] After a user logs in, they are taken to their profile page. Input: Login information. The server generates a profile page based on the user data. Output: Profile page.

[0550] Step 6:

[0551] The user inputs detailed information such as age, annual income, current financial assets, etc. Input: Detailed information such as age, annual income, current financial assets, etc. The terminal sends this information to the server. Output: Detailed information sent to the server.

[0552] Step 7:

[0553] The server stores the received details in a database for future use. Input: Details sent. Output: Details stored in the database. The server generates a confirmation message confirming successful saving and displays it to the user. Output: Confirmation message.

[0554] Step 8:

[0555] The server passes the user's detailed information to the generative AI model and prepares a prompt. Input: Detailed information. Output: Generated prompt. The server sends the prompt to the generative AI model, requesting it to generate an asset formation plan. Input: Generated prompt. Output: Prompt sent to the generative AI model.

[0556] Step 9:

[0557] The generative AI model analyzes the prompt and user data to simulate the user's expected financial assets at age 65. Input: Prompt, user data. The generative AI model calculates the ideal asset amount and indicates the shortfall. Output: Asset formation planning table.

[0558] Step 10:

[0559] The server saves the generated asset formation planning table in the database and reflects it on the user's MyPage. Input: Asset formation planning table. Output: MyPage update. The user can check the asset formation planning results on MyPage. Output: Planning results displayed on MyPage.

[0560] Step 11:

[0561] Based on the asset formation planning table, the generative AI model calculates the investment amount required for the user to reach their ideal asset amount and suggests appropriate investment products. Input: Asset formation planning table. Output: Investment proposals.

[0562] Step 12:

[0563] The server collects relevant market trends and company information and provides this to the generative AI model. The server reflects the generated investment information on MyPage and displays it to the user. Input: Market trends, company information. Output: Investment information reflected on MyPage. Users can check the latest investment information on MyPage. Output: Investment information displayed to the user.

[0564] Step 13:

[0565] If the user accepts the investment proposal, the terminal redirects the user to the financial institution's account opening application screen. Input: Acceptance of investment proposal. The server sends the account opening information entered by the user to the financial institution to assist with the procedure. Input: Account opening information. Output: Account opening information sent to the financial institution.

[0566] Step 14:

[0567] The server notifies the user when account opening is complete. Input: Account opening completion information. Output: Notification to the user. In addition, the server displays information about related financial services. Input: Related service information. Output: Information displayed to the user.

[0568] (Application example 1)

[0569] 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."

[0570] In conventional asset formation systems, users could not easily predict what their future asset situation would be, and the information provided to select appropriate investment products was insufficient. In addition, the procedures for actually purchasing the proposed investment products were complicated, resulting in low user convenience. This created a problem that made it difficult for users to build assets with peace of mind.

[0571] 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.

[0572] In this invention, the server includes means for a user to input and authenticate personal information, means for generating an asset formation plan based on the user's input information using a generation AI, means for proposing optimal investment products based on the results of the asset formation plan and providing related information, means for displaying the investment product proposals and information provision results on a user's dedicated page, and means for purchasing the proposed investment products using an electronic payment function. This allows the user to understand their future asset situation in more detail and easily select and purchase appropriate investment products.

[0573] "User" means an individual or legal entity that enters personal information and creates an account in order to use the system to conduct asset formation planning.

[0574] "Personal information" refers to information necessary to identify a user's identity and circumstances, such as the user's name, email address, password, age, annual income, and current financial assets.

[0575] "Authentication" is a procedure required for a user to gain access to a system, and is the process of verifying the user's identity based on personal information entered.

[0576] "Generative AI" is a system that uses artificial intelligence to analyze information entered by users and automatically generate asset formation plans.

[0577] "Asset formation planning" is the process of predicting the user's future asset situation based on their current situation and formulating a specific plan to reach their ideal asset amount.

[0578] "Investment products" are financial products such as stocks, investment trusts, and real estate that users can purchase to build up their assets.

[0579] "Related information" refers to supplementary information that users need when considering an investment, such as the advantages and disadvantages of investment products, risks, and market trends.

[0580] "Electronic payment facility" refers to technology that simplifies the payment process for users to purchase proposed investment products online.

[0581] A "dedicated page" is a web page or application screen that is individually provided for each user and is used to display investment product proposals and related information.

[0582] "Integrated marketing measures" refers to a series of marketing activities aimed at providing optimal investment proposals and related information according to the user's investment stage.

[0583] "Investment stage" is a concept that indicates the stage a user is currently at in the asset formation process, and is used to provide appropriate investment products and information accordingly.

[0584] This invention relates to a system in which users input their personal information, use AI to create asset formation plans, and execute investments through electronic payment functions. The system is designed to enable users to work on asset formation without worry.

[0585] System Configuration

[0586] The system consists of the following main components:

[0587] User terminal: A device such as a smartphone or computer into which a user enters personal information and information related to asset formation.

[0588] Server: Stores the personal information entered, calls the generation AI to generate asset formation plans, and provides users with suggested investment products and related information.

[0589] Generative AI model: An artificial intelligence model implemented in a programming language such as Python that analyzes user input and creates wealth creation plans and investment recommendations.

[0590] Specific processing flow

[0591] 1. User Registration and Authentication

[0592] The user enters personal information (name, email address, password) to create an account. The entered information is sent from the device to the server. The server stores it in a database and sends a confirmation email. The user clicks on the link in the confirmation email to activate the account.

[0593] 2. Initial settings and information entry

[0594] After logging in, users enter details such as their age, annual income, and current financial assets. This data is sent from the device to the server and passed to the generative AI model.

[0595] 3. Creating an asset formation plan

[0596] The server calls the generative AI model and generates an asset formation plan based on the user's input information. The generative AI model analyzes the input data and simulates the user's future asset situation.

[0597] 4. Investment proposals and information provision

[0598] The generative AI model proposes suitable investment products based on the simulation results and generates detailed product information, including advantages and disadvantages, risks, and market trends. The server displays this information on the user's dedicated page.

[0599] 5. Electronic payment function

[0600] If the user wishes to purchase the proposed investment product, the server will support the purchase procedure through an electronic payment function, allowing the user to easily start investing.

[0601] Specific examples

[0602] For example, a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen would use the system in the following way: First, they access the system from a web browser or dedicated app, enter their personal information and create an account. Next, they enter details of their age, annual income, and current financial assets. The generative AI model then analyzes this data, simulates their projected assets at age 65, and calculates the shortfall. The generative AI model then suggests investment products suitable for the user and provides detailed information about those products. The user can confirm this information through a dedicated page and make their investment using the electronic payment function.

[0603] Prompt Sentence Examples

[0604] "34 years old, annual income of 5 million yen, current financial assets of 3 million yen"

[0605] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0606] Step 1:

[0607] User Registration and Authentication

[0608] Input: The user enters personal information (name, email address, password) into the device.

[0609] Processing: The device sends this information to the server, which stores the data in a database, and then sends a confirmation email to the user's email address.

[0610] Output: The user clicks on the link in the confirmation email and their account is activated and they can log in.

[0611] Step 2:

[0612] Initial settings and information entry

[0613] Input: The user enters details such as age, annual income, and current financial assets into the terminal.

[0614] Processing: The terminal sends the entered information to the server, which stores it in a database.

[0615] Output: Based on the input information, the server prepares this data to be passed to a generative AI model.

[0616] Step 3:

[0617] Creating an asset formation plan

[0618] Input: The server passes the initial and saved user information to the generative AI model.

[0619] Processing: The generative AI model analyzes the user's age, annual income, and current financial assets to simulate their future financial situation.

[0620] Output: The generated asset formation planning results are sent back to the server.

[0621] Step 4:

[0622] Investment proposals and information

[0623] Input: The server receives the wealth planning results received from the generative AI model.

[0624] Processing: Based on the planning results, the generative AI model selects the most suitable investment product and generates detailed information on the investment product, its advantages and disadvantages, risks, and market trends.

[0625] Output: The proposed investment products and related information are sent to the server and displayed on the user's personal page.

[0626] Step 5:

[0627] Electronic payment function

[0628] Input: The user reviews the proposed investment products on a dedicated page and selects the product they wish to purchase.

[0629] Processing: The server invokes the electronic payment function and performs the payment procedure based on the user's selection.

[0630] Output: If the payment is successful, the user's purchase history is saved in the database and a purchase notification is sent to the user.

[0631] Prompt Sentence Examples

[0632] "34 years old, annual income of 5 million yen, current financial assets of 3 million yen"

[0633] That's all for the explanation.

[0634] 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.

[0635] This invention relates to a system that allows users to input personal information and use generative AI and an emotion engine to carry out asset formation planning. The purpose of this invention is to visualize the user's future asset status and propose appropriate investment products, as well as to recognize the user's emotional state and make more appropriate investment proposals, allowing users to build assets with peace of mind.

[0636] User Registration and Authentication

[0637] A user accesses the system using a web browser or a dedicated app and enters the required personal information (such as name, email address, and password) on the new user registration screen. The device sends this information to the server. The server stores the received information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in.

[0638] Initial settings and information entry

[0639] After logging in, users go to a profile page and enter details such as their age, annual income, current financial assets, etc. The device sends the entered information to the server, which then stores the data in a database.

[0640] Asset formation planning

[0641] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan. The generation AI analyzes the input data and simulates the user's expected financial assets at age 65. The simulation results are compared with the ideal asset amount and generated as an asset formation planning table. The server saves the generated planning table on the user's MyPage and displays it.

[0642] Investment proposals and information

[0643] Based on the asset formation planning table, the generation AI calculates the investment amount required to reach the ideal asset amount. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server queries the generation AI for basic information such as relevant company information and market trends, and instructs it to explain this information in an easy-to-understand manner. The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server. The server reflects and displays this information on the user's MyPage.

[0644] Use of emotion engine

[0645] When a user interacts with the system, the emotion engine recognizes the user's emotional state (e.g., stress level, risk tolerance) based on the user's input and behavior. For example, if the user is worried for a long time or repeatedly checks specific information, the emotion engine will detect a high stress level.

[0646] Emotional customization

[0647] The Generative AI generates customized asset formation planning and investment suggestions based on the user's emotional state as recognized by the Emotion Engine. For example, if a user indicates a high stress level, it will adjust its suggestions to include low-risk investment products. The server displays these customized suggestions on the user's MyPage and updates them in real time.

[0648] Specific examples

[0649] For example, let's say a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system in the following way: The user enters their age (34), annual income of 5 million yen, and current financial assets of 3 million yen, and sends this information from their device to the server. The server passes this information to the generation AI, which then creates an asset formation plan. The generation AI simulates the user's expected financial assets at age 65 based on the user's information, resulting in 60 million yen. It calculates the ideal asset amount as 80 million yen and indicates the shortfall of 20 million yen. The generation AI then suggests investment products suitable for the user and clearly explains the investment information and risks of those products. The server saves this information on the user's MyPage and updates it in real time. The emotion engine also monitors the user's stress level as they interact with the system, and the generation AI uses this emotional information to make additional, customized suggestions.

[0650] The present invention allows users to understand specific asset formation plans and receive appropriate investment proposals that take into account their emotional state, allowing users to form assets with greater peace of mind.

[0651] The processing flow will be explained below.

[0652] Step 1:

[0653] Users open a web browser or a dedicated app, access the new user registration screen, and enter their name, email address, and password.

[0654] Step 2:

[0655] The terminal transmits this information to the server.

[0656] Step 3:

[0657] The server stores the received information in a database and sends a confirmation email to the user.

[0658] Step 4:

[0659] When the user clicks on the link in the confirmation email, the server activates the account and sets it up so the user can log in.

[0660] Step 5:

[0661] After logging in, users go to their profile page and enter detailed information such as their age, annual income, and current financial assets.

[0662] Step 6:

[0663] The terminal transmits the input information to the server.

[0664] Step 7:

[0665] The server stores the received information in a database.

[0666] Step 8:

[0667] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan.

[0668] Step 9:

[0669] The generative AI analyzes the input data and simulates the user's expected financial assets at age 65.

[0670] Step 10:

[0671] The generation AI compares the ideal asset amount with the actual simulation results and generates an asset formation planning table.

[0672] Step 11:

[0673] The server saves the generated planning table in the user's MyPage and displays it.

[0674] Step 12:

[0675] The emotion engine recognizes the user's emotional state based on their input and behavior, for example detecting stress levels if they linger on a piece of information for a long time or repeatedly check specific information.

[0676] Step 13:

[0677] The generative AI generates customized wealth planning and investment recommendations based on the user's emotional state as recognized by the emotion engine.

[0678] Step 14:

[0679] The generative AI suggests appropriate investment products (stocks, investment trusts, etc.) based on the user's financial situation and risk tolerance.

[0680] Step 15:

[0681] The server queries the generation AI for basic information about the investment product and market data, and instructs it to explain it in an easy-to-understand manner.

[0682] Step 16:

[0683] The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server.

[0684] Step 17:

[0685] The server reflects this information on the user's MyPage and displays it.

[0686] Step 18:

[0687] If the user accepts the investment proposal, the terminal redirects the user to a screen for applying to open an account with a securities company.

[0688] Step 19:

[0689] The server sends the account opening information entered by the user to the financial institution and supports the application process.

[0690] Step 20:

[0691] The server confirms that the account opening is complete and notifies the user.

[0692] Step 20:

[0693] The server displays a guide to the user to encourage opening or applying for related financial services.

[0694] Step 21:

[0695] The generative AI implements integrated marketing measures according to the user's investment stage and provides investment proposals and marketing information at the optimal time.

[0696] Example 2

[0697] 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."

[0698] While conventional asset formation systems can provide individual investment suggestions and financial asset forecasts, they do not provide support that goes as far as providing appropriate investment suggestions that take into account the user's emotional state. Therefore, there is a need for a system that can reduce user stress caused by information overload and risk, and allow users to proceed with asset formation with peace of mind.

[0699] 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.

[0700] In this invention, the server includes means for a user to input and authenticate personal information, means for generating an asset formation plan based on the user's input information using a generation AI, means for visualizing the user's asset formation plan and predicting future financial assets, means for proposing investment products based on the planning results and providing related information, means for displaying the investment product proposals and information provision results on the user's dedicated page, means for detecting the user's emotional state, and means for generating customized investment proposals based on the user's emotional state. This enables support for asset formation that takes into account the user's emotional state and provides peace of mind.

[0701] "User" refers to a user who uses the system to input personal information and receive asset formation planning and investment proposals.

[0702] "Personal information" refers to information that identifies a user, such as name, email address, password, age, annual income, and current financial assets.

[0703] "Authentication" refers to the process by which a system verifies information received from a user and confirms the user's legitimacy.

[0704] "Generative AI" refers to an artificial intelligence system that automatically generates asset formation plans and investment proposals based on data provided by users.

[0705] "Asset formation planning" refers to a plan that predicts future financial assets based on the user's current financial assets and income information, and creates an ideal asset formation plan.

[0706] "Visualization" refers to displaying asset formation planning and future financial asset forecast results in a way that is easy for users to understand.

[0707] "Investment products" refer to specific financial products, such as stocks and investment trusts, that are proposed for asset formation.

[0708] "Recommendation" refers to the process of presenting suitable investment products to a user and providing detailed information about those products.

[0709] "Dedicated page" refers to a personal page provided to each user individually, where the user's asset formation plan and investment proposals are displayed.

[0710] "Emotional state" refers to the user's psychological state as perceived by the system, such as the user's stress level or risk tolerance.

[0711] "Customized investment recommendations" refer to investment products and advice that are tailored to best suit the user, taking into account the user's emotional state.

[0712] MODE FOR CARRYING OUT THE INVENTION

[0713] This invention relates to a system that allows users to input personal information and use a generative AI and emotion engine to carry out asset formation planning. The system aims to visualize the user's future asset status and propose appropriate investment products, as well as recognize the user's emotional state to make more appropriate investment proposals, allowing users to build assets with peace of mind.

[0714] User Registration and Authentication

[0715] A user accesses the system using a web browser or a dedicated app and enters the required personal information (such as name, email address, and password) on the new user registration screen. The entered personal information is sent from the device to the server. The server stores the received information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in.

[0716] Initial settings and information entry

[0717] After logging in, users go to their profile page and enter details such as their age, annual income, current financial assets, etc. This information is sent by the device to the server, which stores the received data in a database.

[0718] Asset formation planning

[0719] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan. The generation AI analyzes the input data and simulates the user's expected financial assets at age 65. The simulation results are compared with the user's ideal asset amount and generated as an asset formation planning table. This planning table is saved by the server to the user's MyPage and displayed.

[0720] Investment proposals and information

[0721] Based on the asset formation planning table, the generation AI calculates the investment amount required to reach the ideal asset amount. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server queries the generation AI for basic information such as relevant company information and market trends, and instructs it to explain in an easy-to-understand manner. The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server. This information is reflected and displayed by the server on the user's MyPage.

[0722] Use of emotion engine

[0723] As users interact with the system, the emotion engine recognizes their emotional state (such as stress level or risk tolerance) based on their input and behavior. For example, if a user is worried for a long time or repeatedly checks specific information, the emotion engine will detect a high stress level.

[0724] Emotional customization

[0725] The Generative AI generates customized asset formation planning and investment proposals based on the user's emotional state as recognized by the Emotion Engine. For example, if a user indicates a high stress level, it will adjust the proposals to recommend low-risk investment products. The server displays the customized proposals on the user's MyPage and updates them in real time.

[0726] Specific examples

[0727] For example, let's say a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system in the following way: The user enters their age (34), annual income of 5 million yen, and current financial assets of 3 million yen, and sends this information from their device to the server. The server passes this information to the generation AI, which then creates an asset formation plan. The generation AI simulates the user's expected financial assets at age 65 based on the user's information, resulting in 60 million yen. It calculates the ideal asset amount as 80 million yen and displays a shortfall of 20 million yen. The generation AI then suggests investment products suitable for the user and clearly explains the investment information and risks of each product. The server saves this information on the user's MyPage and updates it in real time. The emotion engine also monitors the user's stress level as they interact with the system, and the generation AI uses this emotional information to make additional, customized suggestions.

[0728] Prompt Sentence Examples

[0729] "If a user is 34 years old, earns 5 million yen a year, and currently has financial assets of 3 million yen, and wants to accumulate assets worth 80 million yen by age 65, please tell me what asset formation plan and recommended investment products they would offer. Also, please explain the investment information and risks based on the calculation results."

[0730] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0731] Step 1:

[0732] The user accesses the new user registration screen using a web browser or a dedicated app and enters personal information (such as name, email address, and password). This entered information is sent to the device.

[0733] Input: Personal information such as name, email address, and password.

[0734] Output: The device sends personal information to the server.

[0735] Step 2:

[0736] The device sends the received personal information to the server, which stores the information in a database and sends a confirmation email to the user.

[0737] Input: Personal information sent from your device.

[0738] Output: Save personal information to database and send confirmation email to user.

[0739] Step 3:

[0740] The user verifies their account by clicking the link in the confirmation email, which causes the server to activate the user's account and allow the user to log in.

[0741] Input: User clicks on the link in the confirmation email.

[0742] Output: Account enabled.

[0743] Step 4:

[0744] After logging in, the user goes to a profile page and enters detailed information such as their age, annual income, current financial assets, etc. This information is sent to the terminal and then transferred from the terminal to the server.

[0745] Input: detailed information such as age, annual income, current financial assets, etc.

[0746] Output: The terminal sends detailed information to the server.

[0747] Step 5:

[0748] The server stores the received details in a database and passes them to the generation AI, requesting it to generate an asset formation plan.

[0749] Input: User details.

[0750] Output: Save to database and provide information to generation AI.

[0751] Step 6:

[0752] The AI ​​generator analyzes the received data and simulates the user's projected financial assets at age 65. It compares the simulation results with the ideal amount of assets and generates an asset formation planning table.

[0753] Input: User details.

[0754] Output: Asset formation planning table.

[0755] Step 7:

[0756] The server saves the generated asset formation planning table in the user's MyPage and displays it.

[0757] Input: Asset formation planning table generated by AI.

[0758] Output: Display on MyPage.

[0759] Step 8:

[0760] Based on the asset formation planning table, the AI ​​generator calculates the investment amount required to reach the ideal asset amount, and also suggests appropriate investment products based on the user's asset situation and risk tolerance.

[0761] Input: Asset formation planning table, user details.

[0762] Output: Recommendations for suitable investment products.

[0763] Step 9:

[0764] The server queries the generation AI for basic information such as relevant company information and market trends, and the generation AI generates information such as the advantages and disadvantages of the investment product, risks, and market trends, and sends it to the server.

[0765] Input: Company information and market trends queries from the server.

[0766] Output: Detailed information about the investment product.

[0767] Step 10:

[0768] The server displays the investment information provided by the generation AI on the user's MyPage so that the user can check it.

[0769] Input: Investment information generated by AI.

[0770] Output: Display on MyPage.

[0771] Step 11:

[0772] When a user interacts with the system, the emotion engine recognizes the user's emotional state based on their input and behavior. For example, if the user is worried for a long time or repeatedly checking information, it will detect a high stress level.

[0773] Input: User actions and input information.

[0774] Output: Emotional state recognition and stress level detection.

[0775] Step 12:

[0776] The Generative AI generates customized asset formation planning and investment proposals based on the user's emotional state as recognized by the emotion engine. For example, if a user indicates a high stress level, it will suggest low-risk investment products. The server displays these customized proposals on the user's MyPage and updates them in real time.

[0777] Input: Emotional state information.

[0778] Output: Generation of customized investment proposals and display on MyPage.

[0779] (Application example 2)

[0780] 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."

[0781] In today's asset-building world, it is complicated for users to obtain appropriate information and feel psychologically secure when investing, with a particular problem being the inconsistency in judgment due to emotional states. Furthermore, the purchasing process for investment products is cumbersome, creating a need for a system that is intuitively easy for users to understand and that allows them to take action immediately.

[0782] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for a user to input personal information and perform authentication, means for generating an asset formation plan based on the user's input information using a generation AI, means for visualizing the user's asset formation plan and predicting future financial assets, means for suggesting investment products and providing related information based on the planning results, means for displaying the investment product suggestions and information provision results on the user's dedicated page, means for recognizing the user's emotional state using an emotion engine and adjusting investment proposals according to the user's emotional state, and means for linking with an electronic payment service to easily purchase the suggested investment products. This allows users to invest with confidence and purchase investment products intuitively and quickly.

[0783] "User" refers to an individual who uses the system to manage assets and make investments.

[0784] "Personal information" refers to information that can identify a specific individual, such as a user's name, age, annual income, and current financial assets.

[0785] "Authentication" refers to the process of verifying that a user is a legitimate user.

[0786] "Generative AI" refers to artificial intelligence that generates asset formation plans based on user input information.

[0787] "Wealth formation planning" refers to the process of using user input information to predict future asset status and create an appropriate investment plan.

[0788] "Visualization" refers to displaying data or information in a way that is easy for users to understand.

[0789] "Investment products" refers to financial products such as stocks, investment trusts, and real estate that users purchase to manage their assets.

[0790] "Suggestion" refers to proposing appropriate investment products based on the user's asset formation plan.

[0791] "Relevant information" refers to information necessary for users to make investment decisions, such as the characteristics, risks, and yields of investment products.

[0792] "Dedicated page" refers to a web page or app page that is provided individually to each user.

[0793] An "emotion engine" refers to a system that analyzes a user's emotional state based on their behavior and input information.

[0794] "Emotional state" refers to a user's psychological state, such as excitement, stress, risk tolerance, etc.

[0795] "Electronic payment service" refers to a service for conducting monetary transactions online.

[0796] The present invention relates to a system for enabling a user to carry out asset formation planning using a smartphone or a head-mounted display. The system is implemented in the following manner.

[0797] First, the user enters and authenticates their personal information using a smartphone or other device. This information includes name, age, annual income, current financial assets, etc., and is sent from the device to the server. The server stores the received information in a database and sends the user a confirmation email. The user activates their account by clicking on a link in the confirmation email. Next, after logging in, the user enters their details on a profile page, which is also sent to the server.

[0798] Based on this user data, the server uses a generative AI to generate an asset formation plan. The generative AI is built using a programming language such as Python and performs data analysis. The generated plan is displayed on the server on a dedicated page for the user, visualizing future financial assets. Comparing the results, the generative AI suggests appropriate investment products and provides related information such as the characteristics, risks, and yields of the investment products.

[0799] In addition, the system uses an emotion engine to analyze the user's emotional state in real time. The emotion engine analyzes the user's operation history and input patterns, and if the user is feeling high stress, the generative AI adjusts to suggest low-risk investment products. This data is then stored on the server again and reflected in real time on the user's dedicated page.

[0800] Furthermore, the system can be linked to electronic payment services, allowing users to immediately purchase suggested investment products. This function is implemented through an API, allowing users to intuitively and quickly start managing their assets.

[0801] As a concrete example, if a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system, the following steps are included:

[0802] 1. The user enters information such as age, annual income, and current financial assets, and sends it from the terminal to the server.

[0803] 2. The server passes this information to the generation AI, which creates an asset formation plan.

[0804] 3. The generating AI simulates the expected financial assets at age 65 based on the user's information, resulting in 60 million yen.

[0805] 4. Calculate the ideal asset amount as 80 million yen and show the shortfall as 20 million yen.

[0806] 5. The generative AI suggests investment products suitable for the user and provides easy-to-understand explanations of the investment information and risks of those products.

[0807] 6. The server stores this information on the user's MyPage and updates it in real time.

[0808] 7. The emotion engine monitors the user's emotional state, and the generative AI uses this information to make additional customized suggestions.

[0809] As an example of a prompt statement, enter the following:

[0810] 1. User registration: The user enters personal information (name, email address, password) and sends it to the server.

[0811] 2. Information input: The user inputs detailed information such as age, annual income, current financial assets, etc. and sends it to the server.

[0812] 3. Generating an asset formation plan: The server passes the data to the generation AI, which creates an asset formation plan.

[0813] 4. Implementing investment proposals: The generation AI proposes appropriate investment products and sends relevant information to the server.

[0814] 5. Use of emotion engine: Analyze the user's emotional state based on their operation history and input patterns.

[0815] 6. Emotion-based plan customization: Generative AI will make investment suggestions based on your emotional state.

[0816] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0817] Step 1:

[0818] The user enters and authenticates personal information

[0819] Users use their smartphones or other devices to enter personal information and perform authentication. Specifically, they enter their name, age, email address, password, etc. The entered data is sent from the device to the server. The server stores this information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in. This allows the user to start using the system.

[0820] Input: Personal information such as name, age, email address, and password

[0821] Output: Account confirmation email

[0822] Step 2:

[0823] The user enters the details

[0824] After logging in, users go to their profile page and enter details such as their age, annual income, and current financial assets. The entered information is then sent back to the server from the device. The server stores this information in a database, which is then used for future asset formation planning.

[0825] Input: User details such as age, annual income, current financial assets, etc.

[0826] Output: Details are saved in a database

[0827] Step 3:

[0828] Generate wealth planning using generative AI

[0829] The server passes the user's detailed information to the generation AI and requests it to generate an asset formation plan. The generation AI performs analysis and simulates the user's future financial assets. The simulation results are compared with the ideal asset amount and generated as an asset formation planning table. The generated planning table is saved on the server and displayed on the user's dedicated page.

[0830] Input: User details

[0831] Output: Asset formation planning table, simulation results

[0832] Step 4:

[0833] Suggest investment products and provide relevant information

[0834] The AI ​​generator suggests appropriate investment products based on the asset formation planning table. It also generates related information such as the characteristics, risks, and yields of the investment products and sends it to the server. The server then displays this information on the user's dedicated page in an easy-to-understand format. Specifically, it includes detailed information about each investment product and market trends.

[0835] Input: Asset formation planning table

[0836] Output: Investment product suggestions and related information

[0837] Step 5:

[0838] Recognizing the user's emotional state using an emotion engine

[0839] When a user browses a dedicated page or checks investment information, the emotion engine monitors the user's operation history and input patterns. The emotion engine analyzes the user's emotional state (such as stress level and risk tolerance) in real time and feeds the results back to the generation AI.

[0840] Input: User operation history and input patterns

[0841] Output: Emotional state analysis result

[0842] Step 6:

[0843] Generate customized investment recommendations based on your emotional state

[0844] The Generative AI generates customized asset formation plans and investment proposals based on the analysis results from the Emotion Engine. For example, if a user shows high levels of stress, it will adjust the suggestions to include low-risk investment products. The server then displays these customized proposals in real time on the user's dedicated page.

[0845] Input: Emotional state analysis results, original asset formation planning table

[0846] Output: Customized wealth planning and investment proposals

[0847] Step 7:

[0848] Linking with electronic payment services to make purchasing investment products easier

[0849] When a user purchases a suggested investment product, the server connects to an electronic payment service. The user can complete the purchase of the investment product with intuitive operations. The payment information is sent to the server and saved in a database as a purchase history.

[0850] Input: Investment purchase request

[0851] Output: Payment information, purchase history

[0852] As described above, the processing performed at each step allows the user to receive comprehensive asset formation planning and investment proposals, providing a system that allows the user to proceed with investments with peace of mind.

[0853] 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.

[0854] 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.

[0855] 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.

[0856] [Third embodiment]

[0857] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[0858] 5, the data processing system 310 includes the data processing device 12 and a headset terminal 314. An example of the data processing device 12 is a server.

[0859] 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).

[0860] 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.

[0861] 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.

[0862] 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).

[0863] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 control the exchange of various information between the processor 46 and the processor 28 via the network 54. The exchange of various information between the processor 46 and the processor 28 using the communication I / Fs 44 and 26 is carried out in a secure state.

[0864] 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.

[0865] 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.

[0866] 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.

[0867] 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.

[0868] 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."

[0869] This invention relates to a system that allows users to input personal information and use a generation AI to carry out asset formation planning.The purpose of this invention is to enable users to build assets with peace of mind by visualizing the user's future asset status and proposing appropriate investment products.

[0870] User Registration and Authentication

[0871] A user accesses the system using a web browser or a dedicated app and enters the required personal information (such as name, email address, and password) on the new user registration screen. The device sends this information to the server. The server stores the received information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in.

[0872] Initial settings and information entry

[0873] After logging in, users go to a profile page and enter details such as their age, annual income, current financial assets, etc. The device sends the entered information to the server, which then stores the data in a database.

[0874] Asset formation planning

[0875] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan. The generation AI analyzes the input data and simulates the user's expected financial assets at age 65. The simulation results are compared with the ideal asset amount and generated as an asset formation planning table. The server saves the generated planning table on the user's MyPage and displays it.

[0876] Investment proposals and information

[0877] Based on the asset formation planning table, the generation AI calculates the investment amount required to reach the ideal asset amount. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server queries the generation AI for basic information such as relevant company information and market trends, and instructs it to explain this information in an easy-to-understand manner. The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server. The server reflects and displays this information on the user's MyPage.

[0878] Account opening and marketing initiatives

[0879] If the user accepts the investment proposal, the terminal redirects the user to the application screen for opening a PayPay Securities (LINE Securities) account. The server sends the account opening information entered by the user to the financial institution and supports the application process. When the account opening is complete, the server notifies the user. The server also displays instructions to the user encouraging them to use related financial services (e.g., opening a PayPay Bank account or applying for a PayPay card). The generation AI executes integrated marketing measures according to the user's investment stage and provides investment proposals and marketing information at the optimal time.

[0880] Specific examples

[0881] For example, let's say a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system in the following way: The user enters their age (34), annual income of 5 million yen, and current financial assets of 3 million yen, and sends this information from their device to the server. The server passes this information to the generation AI, which creates an asset formation plan. The generation AI simulates the user's expected financial assets at age 65 based on the user's information, arriving at a result of 60 million yen. It calculates the ideal asset amount to 80 million yen and indicates a shortfall of 20 million yen. The generation AI suggests investment products suitable for the user and provides easy-to-understand explanations of the investment information and risks of those products. The server saves this information on the user's MyPage and updates it in real time.

[0882] The present invention allows users to understand specific asset formation plans and engage in investment activities with peace of mind.

[0883] The processing flow will be explained below.

[0884] Step 1:

[0885] Users open a web browser or a dedicated app, access the new user registration screen, and enter their name, email address, and password.

[0886] Step 2:

[0887] The terminal transmits this information to the server.

[0888] Step 3:

[0889] The server stores the received information in a database and sends a confirmation email to the user.

[0890] Step 4:

[0891] When the user clicks on the link in the confirmation email, the server activates the account and sets it up so the user can log in.

[0892] Step 5:

[0893] After logging in, users go to their profile page and enter detailed information such as their age, annual income, and current financial assets.

[0894] Step 6:

[0895] The terminal transmits the input information to the server.

[0896] Step 7:

[0897] The server stores the received information in a database.

[0898] Step 8:

[0899] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan.

[0900] Step 9:

[0901] The generative AI analyzes the input data and simulates the user's expected financial assets at age 65.

[0902] Step 10:

[0903] The generation AI compares the ideal asset amount with the actual simulation results and generates an asset formation planning table.

[0904] Step 11:

[0905] The server saves the generated planning table in the user's MyPage and displays it.

[0906] Step 12:

[0907] The generating AI calculates the investment amount required to reach the ideal asset amount based on the user's asset formation planning table.

[0908] Step 13:

[0909] The generative AI suggests appropriate investment products (stocks, investment trusts, etc.) based on the user's financial situation and risk tolerance.

[0910] Step 14:

[0911] The server queries the generation AI for basic information about the investment product and market data, and instructs it to explain it in an easy-to-understand manner.

[0912] Step 15:

[0913] The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server.

[0914] Step 16:

[0915] The server reflects this information on the user's MyPage and displays it.

[0916] Step 17:

[0917] If the user accepts the investment proposal, the terminal redirects the user to a screen for applying to open an account with a securities company.

[0918] Step 18:

[0919] The server sends the account opening information entered by the user to the financial institution and supports the application process.

[0920] Step 19:

[0921] The server confirms that the account opening is complete and notifies the user.

[0922] Step 20:

[0923] The server displays a guide to the user to encourage opening or applying for related financial services.

[0924] Step 21:

[0925] The generative AI implements integrated marketing measures according to the user's investment stage and provides investment proposals and marketing information at the optimal time.

[0926] Example 1

[0927] 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."

[0928] In modern society, individuals need detailed financial knowledge and information to build assets. However, most individuals are not familiar with this knowledge and information, making it difficult to build assets appropriately. In addition, there is a lack of means to accurately grasp one's own asset status and predict future financial assets, making it difficult to make optimal investments while managing risk.

[0929] 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.

[0930] In this invention, the server includes means for a user to input personal information for authentication, means for generating an asset formation plan based on the user's input information using a generative AI model, means for visualizing the user's asset formation plan and predicting future financial assets, means for suggesting investment products and providing related information based on the planning results, means for displaying the investment product suggestions and information provision results on the user's dedicated page, means for the user to activate their account by clicking a link in a confirmation email, means for entering the user's detailed information on a profile page, means for saving the user's information in a database, means for passing user data to the generative AI model and sending prompt messages, and means for saving and displaying the asset formation plan table on the user's MyPage. This allows the user to understand the specific asset formation plan and engage in investment activities with peace of mind.

[0931] "Personal information" refers to information necessary to identify a user, such as the user's name, email address, and password.

[0932] "Authentication" is the process of verifying personal information entered by a user and verifying its validity.

[0933] A "generative AI model" is an artificial intelligence that analyzes input data and makes plans and predictions according to specific purposes.

[0934] "Asset formation planning" is the process of predicting future financial situations based on information entered by the user and creating an optimal asset formation plan.

[0935] "Visualization" is the process of visually displaying data or information so that it can be easily understood by users.

[0936] "Financial assets" are assets owned by a user, such as cash, savings, stocks, and investment trusts.

[0937] "Investment products" are financial products that users can purchase or invest in, including, for example, stocks and investment trusts.

[0938] "Related information" is information about specific investment products and market trends that is necessary for users to make appropriate investment decisions.

[0939] A "dedicated page" is a web page provided individually to each user, which displays the user's asset information and investment proposals.

[0940] A "confirmation email" is an email sent to the email address entered by the user for authentication purposes.

[0941] "Account activation" is an operation to change the status of an account so that the user can officially use the system.

[0942] A "profile page" is a web page where a user can enter details about themselves.

[0943] A "database" is a system for storing and managing input user information.

[0944] A "prompt" is a formalized sentence that asks a generative AI model for specific instructions or data analysis.

[0945] "Integrated marketing measures" are a series of activities that provide optimal investment proposals and marketing information at the appropriate time according to the user's investment stage.

[0946] This invention is a system that allows users to input personal information and use a generative AI model to carry out asset formation planning. The system aims to enable users to build assets with peace of mind by visualizing their future asset status and proposing appropriate investment products.

[0947] Users access the system using a web browser or a dedicated app. The system uses web technologies such as HTML, CSS, and JavaScript to display a user registration screen. Users enter personal information such as their name, email address, and password on this screen. The device sends the entered information to the server, which stores it in a database. A confirmation email is sent to the email address entered by the user, and the server activates the user's account when the user clicks on the link in the confirmation email.

[0948] When a user logs in, a profile page appears. On this page, the user enters details such as age, annual income, and current financial assets. The device sends the entered information to the server, which stores it in a database. Based on the stored information, the server sends prompts to the generative AI model, requesting it to generate a wealth formation plan.

[0949] As a concrete example, consider the case where a user inputs information such as age 34, annual income of 5 million yen, and current financial assets of 3 million yen. The server sends the following prompt to the generative AI model:

[0950] "Please simulate the projected and ideal financial assets of a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen at age 65, and suggest the most suitable investment products."

[0951] The generative AI model analyzes this prompt and user data to simulate the user's expected financial assets at age 65. The simulation results are compared with the ideal amount of assets and generated as an asset formation planning table. The server saves and displays the generated planning table on the user's MyPage.

[0952] Next, the generative AI model calculates the investment amount required for the user to reach their ideal asset amount based on the asset formation planning table. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server also collects market trends and related company information and provides this to the generative AI model, providing comprehensive investment information to the user.

[0953] Once the investment information is generated, the server reflects it on the user's MyPage or updates it in real time if new information is available. If the user accepts the investment proposal, the terminal redirects the user to an application screen for opening an account at a financial institution, and the server supports the application procedure.

[0954] This system allows users to understand detailed asset formation plans and carry out reliable investment activities.

[0955] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0956] Step 1:

[0957] The user launches a web browser or a dedicated app and accesses the new user registration screen. Input: Web browser or dedicated app, personal information (name, email address, password, etc.). The server uses HTML, CSS, and JavaScript to display the user registration screen. Output: User registration screen.

[0958] Step 2:

[0959] The user enters personal information such as name, email address, and password. Input: Personal information. The device processes the entered information and sends it to the server. Output: User information sent to the server.

[0960] Step 3:

[0961] The server stores the received personal information in a database. Input: Sent user information. Output: User information stored in the database. In addition, the server generates a confirmation email and sends it to the user through the SMTP server. Input: User information. Output: Sending confirmation email.

[0962] Step 4:

[0963] The user clicks on the link in the confirmation email they received. Input: Confirmation email. The server detects the link click and activates the user's account. Input: Link click. Output: Updates the user status in the database to "enabled".

[0964] Step 5:

[0965] After a user logs in, they are taken to their profile page. Input: Login information. The server generates a profile page based on the user data. Output: Profile page.

[0966] Step 6:

[0967] The user inputs detailed information such as age, annual income, current financial assets, etc. Input: Detailed information such as age, annual income, current financial assets, etc. The terminal sends this information to the server. Output: Detailed information sent to the server.

[0968] Step 7:

[0969] The server stores the received details in a database for future use. Input: Details sent. Output: Details stored in the database. The server generates a confirmation message confirming successful saving and displays it to the user. Output: Confirmation message.

[0970] Step 8:

[0971] The server passes the user's detailed information to the generative AI model and prepares a prompt. Input: Detailed information. Output: Generated prompt. The server sends the prompt to the generative AI model, requesting it to generate an asset formation plan. Input: Generated prompt. Output: Prompt sent to the generative AI model.

[0972] Step 9:

[0973] The generative AI model analyzes the prompt and user data to simulate the user's expected financial assets at age 65. Input: Prompt, user data. The generative AI model calculates the ideal asset amount and indicates the shortfall. Output: Asset formation planning table.

[0974] Step 10:

[0975] The server saves the generated asset formation planning table in the database and reflects it on the user's MyPage. Input: Asset formation planning table. Output: MyPage update. The user can check the asset formation planning results on MyPage. Output: Planning results displayed on MyPage.

[0976] Step 11:

[0977] Based on the asset formation planning table, the generative AI model calculates the investment amount required for the user to reach their ideal asset amount and suggests appropriate investment products. Input: Asset formation planning table. Output: Investment proposals.

[0978] Step 12:

[0979] The server collects relevant market trends and company information and provides this to the generative AI model. The server reflects the generated investment information on MyPage and displays it to the user. Input: Market trends, company information. Output: Investment information reflected on MyPage. Users can check the latest investment information on MyPage. Output: Investment information displayed to the user.

[0980] Step 13:

[0981] If the user accepts the investment proposal, the terminal redirects the user to the financial institution's account opening application screen. Input: Acceptance of investment proposal. The server sends the account opening information entered by the user to the financial institution to assist with the procedure. Input: Account opening information. Output: Account opening information sent to the financial institution.

[0982] Step 14:

[0983] The server notifies the user when account opening is complete. Input: Account opening completion information. Output: Notification to the user. In addition, the server displays information about related financial services. Input: Related service information. Output: Information displayed to the user.

[0984] (Application example 1)

[0985] 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."

[0986] In conventional asset formation systems, users could not easily predict what their future asset situation would be, and the information provided to select appropriate investment products was insufficient. In addition, the procedures for actually purchasing the proposed investment products were complicated, resulting in low user convenience. This created a problem that made it difficult for users to build assets with peace of mind.

[0987] 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.

[0988] In this invention, the server includes means for a user to input and authenticate personal information, means for generating an asset formation plan based on the user's input information using a generation AI, means for proposing optimal investment products based on the results of the asset formation plan and providing related information, means for displaying the investment product proposals and information provision results on a user's dedicated page, and means for purchasing the proposed investment products using an electronic payment function. This allows the user to understand their future asset situation in more detail and easily select and purchase appropriate investment products.

[0989] "User" means an individual or legal entity that enters personal information and creates an account in order to use the system to conduct asset formation planning.

[0990] "Personal information" refers to information necessary to identify a user's identity and circumstances, such as the user's name, email address, password, age, annual income, and current financial assets.

[0991] "Authentication" is a procedure required for a user to gain access to a system, and is the process of verifying the user's identity based on personal information entered.

[0992] "Generative AI" is a system that uses artificial intelligence to analyze information entered by users and automatically generate asset formation plans.

[0993] "Asset formation planning" is the process of predicting the user's future asset situation based on their current situation and formulating a specific plan to reach their ideal asset amount.

[0994] "Investment products" are financial products such as stocks, investment trusts, and real estate that users can purchase to build up their assets.

[0995] "Related information" refers to supplementary information that users need when considering an investment, such as the advantages and disadvantages of investment products, risks, and market trends.

[0996] "Electronic payment facility" refers to technology that simplifies the payment process for users to purchase proposed investment products online.

[0997] A "dedicated page" is a web page or application screen that is individually provided for each user and is used to display investment product proposals and related information.

[0998] "Integrated marketing measures" refers to a series of marketing activities aimed at providing optimal investment proposals and related information according to the user's investment stage.

[0999] "Investment stage" is a concept that indicates the stage a user is currently at in the asset formation process, and is used to provide appropriate investment products and information accordingly.

[1000] This invention relates to a system in which users input their personal information, use AI to create asset formation plans, and execute investments through electronic payment functions. The system is designed to enable users to work on asset formation without worry.

[1001] System Configuration

[1002] The system consists of the following main components:

[1003] User terminal: A device such as a smartphone or computer into which a user enters personal information and information related to asset formation.

[1004] Server: Stores the personal information entered, calls the generation AI to generate asset formation plans, and provides users with suggested investment products and related information.

[1005] Generative AI model: An artificial intelligence model implemented in a programming language such as Python that analyzes user input and creates wealth creation plans and investment recommendations.

[1006] Specific processing flow

[1007] 1. User Registration and Authentication

[1008] The user enters personal information (name, email address, password) to create an account. The entered information is sent from the device to the server. The server stores it in a database and sends a confirmation email. The user clicks on the link in the confirmation email to activate the account.

[1009] 2. Initial settings and information entry

[1010] After logging in, users enter details such as their age, annual income, and current financial assets. This data is sent from the device to the server and passed to the generative AI model.

[1011] 3. Creating an asset formation plan

[1012] The server calls the generative AI model and generates an asset formation plan based on the user's input information. The generative AI model analyzes the input data and simulates the user's future asset situation.

[1013] 4. Investment proposals and information provision

[1014] The generative AI model proposes suitable investment products based on the simulation results and generates detailed product information, including advantages and disadvantages, risks, and market trends. The server displays this information on the user's dedicated page.

[1015] 5. Electronic payment function

[1016] If the user wishes to purchase the proposed investment product, the server will support the purchase procedure through an electronic payment function, allowing the user to easily start investing.

[1017] Specific examples

[1018] For example, a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen would use the system in the following way: First, they access the system from a web browser or dedicated app, enter their personal information and create an account. Next, they enter details of their age, annual income, and current financial assets. The generative AI model then analyzes this data, simulates their projected assets at age 65, and calculates the shortfall. The generative AI model then suggests investment products suitable for the user and provides detailed information about those products. The user can confirm this information through a dedicated page and make their investment using the electronic payment function.

[1019] Prompt Sentence Examples

[1020] "34 years old, annual income of 5 million yen, current financial assets of 3 million yen"

[1021] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1022] Step 1:

[1023] User Registration and Authentication

[1024] Input: The user enters personal information (name, email address, password) into the device.

[1025] Processing: The device sends this information to the server, which stores the data in a database, and then sends a confirmation email to the user's email address.

[1026] Output: The user clicks on the link in the confirmation email and their account is activated and they can log in.

[1027] Step 2:

[1028] Initial settings and information entry

[1029] Input: The user enters details such as age, annual income, and current financial assets into the terminal.

[1030] Processing: The terminal sends the entered information to the server, which stores it in a database.

[1031] Output: Based on the input information, the server prepares this data to be passed to a generative AI model.

[1032] Step 3:

[1033] Creating an asset formation plan

[1034] Input: The server passes the initial and saved user information to the generative AI model.

[1035] Processing: The generative AI model analyzes the user's age, annual income, and current financial assets to simulate their future financial situation.

[1036] Output: The generated asset formation planning results are sent back to the server.

[1037] Step 4:

[1038] Investment proposals and information

[1039] Input: The server receives the wealth planning results received from the generative AI model.

[1040] Processing: Based on the planning results, the generative AI model selects the most suitable investment product and generates detailed information on the investment product, its advantages and disadvantages, risks, and market trends.

[1041] Output: The proposed investment products and related information are sent to the server and displayed on the user's personal page.

[1042] Step 5:

[1043] Electronic payment function

[1044] Input: The user reviews the proposed investment products on a dedicated page and selects the product they wish to purchase.

[1045] Processing: The server invokes the electronic payment function and performs the payment procedure based on the user's selection.

[1046] Output: If the payment is successful, the user's purchase history is saved in the database and a purchase notification is sent to the user.

[1047] Prompt Sentence Examples

[1048] "34 years old, annual income of 5 million yen, current financial assets of 3 million yen"

[1049] That's all for the explanation.

[1050] 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.

[1051] This invention relates to a system that allows users to input personal information and use generative AI and an emotion engine to carry out asset formation planning. The purpose of this invention is to visualize the user's future asset status and propose appropriate investment products, as well as to recognize the user's emotional state and make more appropriate investment proposals, allowing users to build assets with peace of mind.

[1052] User Registration and Authentication

[1053] A user accesses the system using a web browser or a dedicated app and enters the required personal information (such as name, email address, and password) on the new user registration screen. The device sends this information to the server. The server stores the received information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in.

[1054] Initial settings and information entry

[1055] After logging in, users go to a profile page and enter details such as their age, annual income, current financial assets, etc. The device sends the entered information to the server, which then stores the data in a database.

[1056] Asset formation planning

[1057] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan. The generation AI analyzes the input data and simulates the user's expected financial assets at age 65. The simulation results are compared with the ideal asset amount and generated as an asset formation planning table. The server saves the generated planning table on the user's MyPage and displays it.

[1058] Investment proposals and information

[1059] Based on the asset formation planning table, the generation AI calculates the investment amount required to reach the ideal asset amount. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server queries the generation AI for basic information such as relevant company information and market trends, and instructs it to explain this information in an easy-to-understand manner. The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server. The server reflects and displays this information on the user's MyPage.

[1060] Use of emotion engine

[1061] When a user interacts with the system, the emotion engine recognizes the user's emotional state (e.g., stress level, risk tolerance) based on the user's input and behavior. For example, if the user is worried for a long time or repeatedly checks specific information, the emotion engine will detect a high stress level.

[1062] Emotional customization

[1063] The Generative AI generates customized asset formation planning and investment suggestions based on the user's emotional state as recognized by the Emotion Engine. For example, if a user indicates a high stress level, it will adjust its suggestions to include low-risk investment products. The server displays these customized suggestions on the user's MyPage and updates them in real time.

[1064] Specific examples

[1065] For example, let's say a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system in the following way: The user enters their age (34), annual income of 5 million yen, and current financial assets of 3 million yen, and sends this information from their device to the server. The server passes this information to the generation AI, which then creates an asset formation plan. The generation AI simulates the user's expected financial assets at age 65 based on the user's information, resulting in 60 million yen. It calculates the ideal asset amount as 80 million yen and indicates the shortfall of 20 million yen. The generation AI then suggests investment products suitable for the user and clearly explains the investment information and risks of those products. The server saves this information on the user's MyPage and updates it in real time. The emotion engine also monitors the user's stress level as they interact with the system, and the generation AI uses this emotional information to make additional, customized suggestions.

[1066] The present invention allows users to understand specific asset formation plans and receive appropriate investment proposals that take into account their emotional state, allowing users to form assets with greater peace of mind.

[1067] The processing flow will be explained below.

[1068] Step 1:

[1069] Users open a web browser or a dedicated app, access the new user registration screen, and enter their name, email address, and password.

[1070] Step 2:

[1071] The terminal transmits this information to the server.

[1072] Step 3:

[1073] The server stores the received information in a database and sends a confirmation email to the user.

[1074] Step 4:

[1075] When the user clicks on the link in the confirmation email, the server activates the account and sets it up so the user can log in.

[1076] Step 5:

[1077] After logging in, users go to their profile page and enter detailed information such as their age, annual income, and current financial assets.

[1078] Step 6:

[1079] The terminal transmits the input information to the server.

[1080] Step 7:

[1081] The server stores the received information in a database.

[1082] Step 8:

[1083] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan.

[1084] Step 9:

[1085] The generative AI analyzes the input data and simulates the user's expected financial assets at age 65.

[1086] Step 10:

[1087] The generation AI compares the ideal asset amount with the actual simulation results and generates an asset formation planning table.

[1088] Step 11:

[1089] The server saves the generated planning table in the user's MyPage and displays it.

[1090] Step 12:

[1091] The emotion engine recognizes the user's emotional state based on their input and behavior, for example detecting stress levels if they linger on a piece of information for a long time or repeatedly check specific information.

[1092] Step 13:

[1093] The generative AI generates customized wealth planning and investment recommendations based on the user's emotional state as recognized by the emotion engine.

[1094] Step 14:

[1095] The generative AI suggests appropriate investment products (stocks, investment trusts, etc.) based on the user's financial situation and risk tolerance.

[1096] Step 15:

[1097] The server queries the generation AI for basic information about the investment product and market data, and instructs it to explain it in an easy-to-understand manner.

[1098] Step 16:

[1099] The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server.

[1100] Step 17:

[1101] The server reflects this information on the user's MyPage and displays it.

[1102] Step 18:

[1103] If the user accepts the investment proposal, the terminal redirects the user to a screen for applying to open an account with a securities company.

[1104] Step 19:

[1105] The server sends the account opening information entered by the user to the financial institution and supports the application process.

[1106] Step 20:

[1107] The server confirms that the account opening is complete and notifies the user.

[1108] Step 20:

[1109] The server displays a guide to the user to encourage opening or applying for related financial services.

[1110] Step 21:

[1111] The generative AI implements integrated marketing measures according to the user's investment stage and provides investment proposals and marketing information at the optimal time.

[1112] Example 2

[1113] 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."

[1114] While conventional asset formation systems can provide individual investment suggestions and financial asset forecasts, they do not provide support that goes as far as providing appropriate investment suggestions that take into account the user's emotional state. Therefore, there is a need for a system that can reduce user stress caused by information overload and risk, and allow users to proceed with asset formation with peace of mind.

[1115] 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.

[1116] In this invention, the server includes means for a user to input and authenticate personal information, means for generating an asset formation plan based on the user's input information using a generation AI, means for visualizing the user's asset formation plan and predicting future financial assets, means for proposing investment products based on the planning results and providing related information, means for displaying the investment product proposals and information provision results on the user's dedicated page, means for detecting the user's emotional state, and means for generating customized investment proposals based on the user's emotional state. This enables support for asset formation that takes into account the user's emotional state and provides peace of mind.

[1117] "User" refers to a user who uses the system to input personal information and receive asset formation planning and investment proposals.

[1118] "Personal information" refers to information that identifies a user, such as name, email address, password, age, annual income, and current financial assets.

[1119] "Authentication" refers to the process by which a system verifies information received from a user and confirms the user's legitimacy.

[1120] "Generative AI" refers to an artificial intelligence system that automatically generates asset formation plans and investment proposals based on data provided by users.

[1121] "Asset formation planning" refers to a plan that predicts future financial assets based on the user's current financial assets and income information, and creates an ideal asset formation plan.

[1122] "Visualization" refers to displaying asset formation planning and future financial asset forecast results in a way that is easy for users to understand.

[1123] "Investment products" refer to specific financial products, such as stocks and investment trusts, that are proposed for asset formation.

[1124] "Recommendation" refers to the process of presenting suitable investment products to a user and providing detailed information about those products.

[1125] "Dedicated page" refers to a personal page provided to each user individually, where the user's asset formation plan and investment proposals are displayed.

[1126] "Emotional state" refers to the user's psychological state as perceived by the system, such as the user's stress level or risk tolerance.

[1127] "Customized investment recommendations" refer to investment products and advice that are tailored to best suit the user, taking into account the user's emotional state.

[1128] MODE FOR CARRYING OUT THE INVENTION

[1129] This invention relates to a system that allows users to input personal information and use a generative AI and emotion engine to carry out asset formation planning. The system aims to visualize the user's future asset status and propose appropriate investment products, as well as recognize the user's emotional state to make more appropriate investment proposals, allowing users to build assets with peace of mind.

[1130] User Registration and Authentication

[1131] A user accesses the system using a web browser or a dedicated app and enters the required personal information (such as name, email address, and password) on the new user registration screen. The entered personal information is sent from the device to the server. The server stores the received information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in.

[1132] Initial settings and information entry

[1133] After logging in, users go to their profile page and enter details such as their age, annual income, current financial assets, etc. This information is sent by the device to the server, which stores the received data in a database.

[1134] Asset formation planning

[1135] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan. The generation AI analyzes the input data and simulates the user's expected financial assets at age 65. The simulation results are compared with the user's ideal asset amount and generated as an asset formation planning table. This planning table is saved by the server to the user's MyPage and displayed.

[1136] Investment proposals and information

[1137] Based on the asset formation planning table, the generation AI calculates the investment amount required to reach the ideal asset amount. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server queries the generation AI for basic information such as relevant company information and market trends, and instructs it to explain in an easy-to-understand manner. The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server. This information is reflected and displayed by the server on the user's MyPage.

[1138] Use of emotion engine

[1139] As users interact with the system, the emotion engine recognizes their emotional state (such as stress level or risk tolerance) based on their input and behavior. For example, if a user is worried for a long time or repeatedly checks specific information, the emotion engine will detect a high stress level.

[1140] Emotional customization

[1141] The Generative AI generates customized asset formation planning and investment proposals based on the user's emotional state as recognized by the Emotion Engine. For example, if a user indicates a high stress level, it will adjust the proposals to recommend low-risk investment products. The server displays the customized proposals on the user's MyPage and updates them in real time.

[1142] Specific examples

[1143] For example, let's say a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system in the following way: The user enters their age (34), annual income of 5 million yen, and current financial assets of 3 million yen, and sends this information from their device to the server. The server passes this information to the generation AI, which then creates an asset formation plan. The generation AI simulates the user's expected financial assets at age 65 based on the user's information, resulting in 60 million yen. It calculates the ideal asset amount as 80 million yen and displays a shortfall of 20 million yen. The generation AI then suggests investment products suitable for the user and clearly explains the investment information and risks of each product. The server saves this information on the user's MyPage and updates it in real time. The emotion engine also monitors the user's stress level as they interact with the system, and the generation AI uses this emotional information to make additional, customized suggestions.

[1144] Prompt Sentence Examples

[1145] "If a user is 34 years old, earns 5 million yen a year, and currently has financial assets of 3 million yen, and wants to accumulate assets worth 80 million yen by age 65, please tell me what asset formation plan and recommended investment products they would offer. Also, please explain the investment information and risks based on the calculation results."

[1146] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1147] Step 1:

[1148] The user accesses the new user registration screen using a web browser or a dedicated app and enters personal information (such as name, email address, and password). This entered information is sent to the device.

[1149] Input: Personal information such as name, email address, and password.

[1150] Output: The device sends personal information to the server.

[1151] Step 2:

[1152] The device sends the received personal information to the server, which stores the information in a database and sends a confirmation email to the user.

[1153] Input: Personal information sent from your device.

[1154] Output: Save personal information to database and send confirmation email to user.

[1155] Step 3:

[1156] The user verifies their account by clicking the link in the confirmation email, which causes the server to activate the user's account and allow the user to log in.

[1157] Input: User clicks on the link in the confirmation email.

[1158] Output: Account enabled.

[1159] Step 4:

[1160] After logging in, the user goes to a profile page and enters detailed information such as their age, annual income, current financial assets, etc. This information is sent to the terminal and then transferred from the terminal to the server.

[1161] Input: detailed information such as age, annual income, current financial assets, etc.

[1162] Output: The terminal sends detailed information to the server.

[1163] Step 5:

[1164] The server stores the received details in a database and passes them to the generation AI, requesting it to generate an asset formation plan.

[1165] Input: User details.

[1166] Output: Save to database and provide information to generation AI.

[1167] Step 6:

[1168] The AI ​​generator analyzes the received data and simulates the user's projected financial assets at age 65. It compares the simulation results with the ideal amount of assets and generates an asset formation planning table.

[1169] Input: User details.

[1170] Output: Asset formation planning table.

[1171] Step 7:

[1172] The server saves the generated asset formation planning table in the user's MyPage and displays it.

[1173] Input: Asset formation planning table generated by AI.

[1174] Output: Display on MyPage.

[1175] Step 8:

[1176] Based on the asset formation planning table, the AI ​​generator calculates the investment amount required to reach the ideal asset amount, and also suggests appropriate investment products based on the user's asset situation and risk tolerance.

[1177] Input: Asset formation planning table, user details.

[1178] Output: Recommendations for suitable investment products.

[1179] Step 9:

[1180] The server queries the generation AI for basic information such as relevant company information and market trends, and the generation AI generates information such as the advantages and disadvantages of the investment product, risks, and market trends, and sends it to the server.

[1181] Input: Company information and market trends queries from the server.

[1182] Output: Detailed information about the investment product.

[1183] Step 10:

[1184] The server displays the investment information provided by the generation AI on the user's MyPage so that the user can check it.

[1185] Input: Investment information generated by AI.

[1186] Output: Display on MyPage.

[1187] Step 11:

[1188] When a user interacts with the system, the emotion engine recognizes the user's emotional state based on their input and behavior. For example, if the user is worried for a long time or repeatedly checking information, it will detect a high stress level.

[1189] Input: User actions and input information.

[1190] Output: Emotional state recognition and stress level detection.

[1191] Step 12:

[1192] The Generative AI generates customized asset formation planning and investment proposals based on the user's emotional state as recognized by the emotion engine. For example, if a user indicates a high stress level, it will suggest low-risk investment products. The server displays these customized proposals on the user's MyPage and updates them in real time.

[1193] Input: Emotional state information.

[1194] Output: Generation of customized investment proposals and display on MyPage.

[1195] (Application example 2)

[1196] 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."

[1197] In today's asset-building world, it is complicated for users to obtain appropriate information and feel psychologically secure when investing, with a particular problem being the inconsistency in judgment due to emotional states. Furthermore, the purchasing process for investment products is cumbersome, creating a need for a system that is intuitively easy for users to understand and that allows them to take action immediately.

[1198] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for a user to input personal information and perform authentication, means for generating an asset formation plan based on the user's input information using a generation AI, means for visualizing the user's asset formation plan and predicting future financial assets, means for suggesting investment products and providing related information based on the planning results, means for displaying the investment product suggestions and information provision results on the user's dedicated page, means for recognizing the user's emotional state using an emotion engine and adjusting investment proposals according to the user's emotional state, and means for linking with an electronic payment service to easily purchase the suggested investment products. This allows users to invest with confidence and purchase investment products intuitively and quickly.

[1199] "User" refers to an individual who uses the system to manage assets and make investments.

[1200] "Personal information" refers to information that can identify a specific individual, such as a user's name, age, annual income, and current financial assets.

[1201] "Authentication" refers to the process of verifying that a user is a legitimate user.

[1202] "Generative AI" refers to artificial intelligence that generates asset formation plans based on user input information.

[1203] "Wealth formation planning" refers to the process of using user input information to predict future asset status and create an appropriate investment plan.

[1204] "Visualization" refers to displaying data or information in a way that is easy for users to understand.

[1205] "Investment products" refers to financial products such as stocks, investment trusts, and real estate that users purchase to manage their assets.

[1206] "Suggestion" refers to proposing appropriate investment products based on the user's asset formation plan.

[1207] "Relevant information" refers to information necessary for users to make investment decisions, such as the characteristics, risks, and yields of investment products.

[1208] "Dedicated page" refers to a web page or app page that is provided individually to each user.

[1209] An "emotion engine" refers to a system that analyzes a user's emotional state based on their behavior and input information.

[1210] "Emotional state" refers to a user's psychological state, such as excitement, stress, risk tolerance, etc.

[1211] "Electronic payment service" refers to a service for conducting monetary transactions online.

[1212] The present invention relates to a system for enabling a user to carry out asset formation planning using a smartphone or a head-mounted display. The system is implemented in the following manner.

[1213] First, the user enters and authenticates their personal information using a smartphone or other device. This information includes name, age, annual income, current financial assets, etc., and is sent from the device to the server. The server stores the received information in a database and sends the user a confirmation email. The user activates their account by clicking on a link in the confirmation email. Next, after logging in, the user enters their details on a profile page, which is also sent to the server.

[1214] Based on this user data, the server uses a generative AI to generate an asset formation plan. The generative AI is built using a programming language such as Python and performs data analysis. The generated plan is displayed on the server on a dedicated page for the user, visualizing future financial assets. Comparing the results, the generative AI suggests appropriate investment products and provides related information such as the characteristics, risks, and yields of the investment products.

[1215] In addition, the system uses an emotion engine to analyze the user's emotional state in real time. The emotion engine analyzes the user's operation history and input patterns, and if the user is feeling high stress, the generative AI adjusts to suggest low-risk investment products. This data is then stored on the server again and reflected in real time on the user's dedicated page.

[1216] Furthermore, the system can be linked to electronic payment services, allowing users to immediately purchase suggested investment products. This function is implemented through an API, allowing users to intuitively and quickly start managing their assets.

[1217] As a concrete example, if a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system, the following steps are included:

[1218] 1. The user enters information such as age, annual income, and current financial assets, and sends it from the terminal to the server.

[1219] 2. The server passes this information to the generation AI, which creates an asset formation plan.

[1220] 3. The generating AI simulates the expected financial assets at age 65 based on the user's information, resulting in 60 million yen.

[1221] 4. Calculate the ideal asset amount as 80 million yen and show the shortfall as 20 million yen.

[1222] 5. The generative AI suggests investment products suitable for the user and provides easy-to-understand explanations of the investment information and risks of those products.

[1223] 6. The server stores this information on the user's MyPage and updates it in real time.

[1224] 7. The emotion engine monitors the user's emotional state, and the generative AI uses this information to make additional customized suggestions.

[1225] As an example of a prompt statement, enter the following:

[1226] 1. User registration: The user enters personal information (name, email address, password) and sends it to the server.

[1227] 2. Information input: The user inputs detailed information such as age, annual income, current financial assets, etc. and sends it to the server.

[1228] 3. Generating an asset formation plan: The server passes the data to the generation AI, which creates an asset formation plan.

[1229] 4. Implementing investment proposals: The generation AI proposes appropriate investment products and sends relevant information to the server.

[1230] 5. Use of emotion engine: Analyze the user's emotional state based on their operation history and input patterns.

[1231] 6. Emotion-based plan customization: Generative AI will make investment suggestions based on your emotional state.

[1232] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1233] Step 1:

[1234] The user enters and authenticates personal information

[1235] Users use their smartphones or other devices to enter personal information and perform authentication. Specifically, they enter their name, age, email address, password, etc. The entered data is sent from the device to the server. The server stores this information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in. This allows the user to start using the system.

[1236] Input: Personal information such as name, age, email address, and password

[1237] Output: Account confirmation email

[1238] Step 2:

[1239] The user enters the details

[1240] After logging in, users go to their profile page and enter details such as their age, annual income, and current financial assets. The entered information is then sent back to the server from the device. The server stores this information in a database, which is then used for future asset formation planning.

[1241] Input: User details such as age, annual income, current financial assets, etc.

[1242] Output: Details are saved in a database

[1243] Step 3:

[1244] Generate wealth planning using generative AI

[1245] The server passes the user's detailed information to the generation AI and requests it to generate an asset formation plan. The generation AI performs analysis and simulates the user's future financial assets. The simulation results are compared with the ideal asset amount and generated as an asset formation planning table. The generated planning table is saved on the server and displayed on the user's dedicated page.

[1246] Input: User details

[1247] Output: Asset formation planning table, simulation results

[1248] Step 4:

[1249] Suggest investment products and provide relevant information

[1250] The AI ​​generator suggests appropriate investment products based on the asset formation planning table. It also generates related information such as the characteristics, risks, and yields of the investment products and sends it to the server. The server then displays this information on the user's dedicated page in an easy-to-understand format. Specifically, it includes detailed information about each investment product and market trends.

[1251] Input: Asset formation planning table

[1252] Output: Investment product suggestions and related information

[1253] Step 5:

[1254] Recognizing the user's emotional state using an emotion engine

[1255] When a user browses a dedicated page or checks investment information, the emotion engine monitors the user's operation history and input patterns. The emotion engine analyzes the user's emotional state (such as stress level and risk tolerance) in real time and feeds the results back to the generation AI.

[1256] Input: User operation history and input patterns

[1257] Output: Emotional state analysis result

[1258] Step 6:

[1259] Generate customized investment recommendations based on your emotional state

[1260] The Generative AI generates customized asset formation plans and investment proposals based on the analysis results from the Emotion Engine. For example, if a user shows high levels of stress, it will adjust the suggestions to include low-risk investment products. The server then displays these customized proposals in real time on the user's dedicated page.

[1261] Input: Emotional state analysis results, original asset formation planning table

[1262] Output: Customized wealth planning and investment proposals

[1263] Step 7:

[1264] Linking with electronic payment services to make purchasing investment products easier

[1265] When a user purchases a suggested investment product, the server connects to an electronic payment service. The user can complete the purchase of the investment product with intuitive operations. The payment information is sent to the server and saved in a database as a purchase history.

[1266] Input: Investment purchase request

[1267] Output: Payment information, purchase history

[1268] As described above, the processing performed at each step allows the user to receive comprehensive asset formation planning and investment proposals, providing a system that allows the user to proceed with investments with peace of mind.

[1269] 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.

[1270] 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.

[1271] 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.

[1272] [Fourth embodiment]

[1273] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[1274] 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.

[1275] 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).

[1276] 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.

[1277] 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.

[1278] 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).

[1279] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 control the exchange of various information between the processor 46 and the processor 28 via the network 54. The exchange of various information between the processor 46 and the processor 28 using the communication I / Fs 44 and 26 is carried out in a secure state.

[1280] 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.

[1281] 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.

[1282] 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.

[1283] 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.

[1284] 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.

[1285] 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."

[1286] This invention relates to a system that allows users to input personal information and use a generation AI to carry out asset formation planning.The purpose of this invention is to enable users to build assets with peace of mind by visualizing the user's future asset status and proposing appropriate investment products.

[1287] User Registration and Authentication

[1288] A user accesses the system using a web browser or a dedicated app and enters the required personal information (such as name, email address, and password) on the new user registration screen. The device sends this information to the server. The server stores the received information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in.

[1289] Initial settings and information entry

[1290] After logging in, users go to a profile page and enter details such as their age, annual income, current financial assets, etc. The device sends the entered information to the server, which then stores the data in a database.

[1291] Asset formation planning

[1292] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan. The generation AI analyzes the input data and simulates the user's expected financial assets at age 65. The simulation results are compared with the ideal asset amount and generated as an asset formation planning table. The server saves the generated planning table on the user's MyPage and displays it.

[1293] Investment proposals and information

[1294] Based on the asset formation planning table, the generation AI calculates the investment amount required to reach the ideal asset amount. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server queries the generation AI for basic information such as relevant company information and market trends, and instructs it to explain this information in an easy-to-understand manner. The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server. The server reflects and displays this information on the user's MyPage.

[1295] Account opening and marketing initiatives

[1296] If the user accepts the investment proposal, the terminal redirects the user to the application screen for opening a PayPay Securities (LINE Securities) account. The server sends the account opening information entered by the user to the financial institution and supports the application process. When the account opening is complete, the server notifies the user. The server also displays instructions to the user encouraging them to use related financial services (e.g., opening a PayPay Bank account or applying for a PayPay card). The generation AI executes integrated marketing measures according to the user's investment stage and provides investment proposals and marketing information at the optimal time.

[1297] Specific examples

[1298] For example, let's say a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system in the following way: The user enters their age (34), annual income of 5 million yen, and current financial assets of 3 million yen, and sends this information from their device to the server. The server passes this information to the generation AI, which creates an asset formation plan. The generation AI simulates the user's expected financial assets at age 65 based on the user's information, arriving at a result of 60 million yen. It calculates the ideal asset amount to 80 million yen and indicates a shortfall of 20 million yen. The generation AI suggests investment products suitable for the user and provides easy-to-understand explanations of the investment information and risks of those products. The server saves this information on the user's MyPage and updates it in real time.

[1299] The present invention allows users to understand specific asset formation plans and engage in investment activities with peace of mind.

[1300] The processing flow will be explained below.

[1301] Step 1:

[1302] Users open a web browser or a dedicated app, access the new user registration screen, and enter their name, email address, and password.

[1303] Step 2:

[1304] The terminal transmits this information to the server.

[1305] Step 3:

[1306] The server stores the received information in a database and sends a confirmation email to the user.

[1307] Step 4:

[1308] When the user clicks on the link in the confirmation email, the server activates the account and sets it up so the user can log in.

[1309] Step 5:

[1310] After logging in, users go to their profile page and enter detailed information such as their age, annual income, and current financial assets.

[1311] Step 6:

[1312] The terminal transmits the input information to the server.

[1313] Step 7:

[1314] The server stores the received information in a database.

[1315] Step 8:

[1316] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan.

[1317] Step 9:

[1318] The generative AI analyzes the input data and simulates the user's expected financial assets at age 65.

[1319] Step 10:

[1320] The generation AI compares the ideal asset amount with the actual simulation results and generates an asset formation planning table.

[1321] Step 11:

[1322] The server saves the generated planning table in the user's MyPage and displays it.

[1323] Step 12:

[1324] The generating AI calculates the investment amount required to reach the ideal asset amount based on the user's asset formation planning table.

[1325] Step 13:

[1326] The generative AI suggests appropriate investment products (stocks, investment trusts, etc.) based on the user's financial situation and risk tolerance.

[1327] Step 14:

[1328] The server queries the generation AI for basic information about the investment product and market data, and instructs it to explain it in an easy-to-understand manner.

[1329] Step 15:

[1330] The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server.

[1331] Step 16:

[1332] The server reflects this information on the user's MyPage and displays it.

[1333] Step 17:

[1334] If the user accepts the investment proposal, the terminal redirects the user to a screen for applying to open an account with a securities company.

[1335] Step 18:

[1336] The server sends the account opening information entered by the user to the financial institution and supports the application process.

[1337] Step 19:

[1338] The server confirms that the account opening is complete and notifies the user.

[1339] Step 20:

[1340] The server displays a guide to the user to encourage opening or applying for related financial services.

[1341] Step 21:

[1342] The generative AI implements integrated marketing measures according to the user's investment stage and provides investment proposals and marketing information at the optimal time.

[1343] Example 1

[1344] 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."

[1345] In modern society, individuals need detailed financial knowledge and information to build assets. However, most individuals are not familiar with this knowledge and information, making it difficult to build assets appropriately. In addition, there is a lack of means to accurately grasp one's own asset status and predict future financial assets, making it difficult to make optimal investments while managing risk.

[1346] 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.

[1347] In this invention, the server includes means for a user to input personal information for authentication, means for generating an asset formation plan based on the user's input information using a generative AI model, means for visualizing the user's asset formation plan and predicting future financial assets, means for suggesting investment products and providing related information based on the planning results, means for displaying the investment product suggestions and information provision results on the user's dedicated page, means for the user to activate their account by clicking a link in a confirmation email, means for entering the user's detailed information on a profile page, means for saving the user's information in a database, means for passing user data to the generative AI model and sending prompt messages, and means for saving and displaying the asset formation plan table on the user's MyPage. This allows the user to understand the specific asset formation plan and engage in investment activities with peace of mind.

[1348] "Personal information" refers to information necessary to identify a user, such as the user's name, email address, and password.

[1349] "Authentication" is the process of verifying personal information entered by a user and verifying its validity.

[1350] A "generative AI model" is an artificial intelligence that analyzes input data and makes plans and predictions according to specific purposes.

[1351] "Asset formation planning" is the process of predicting future financial situations based on information entered by the user and creating an optimal asset formation plan.

[1352] "Visualization" is the process of visually displaying data or information so that it can be easily understood by users.

[1353] "Financial assets" are assets owned by a user, such as cash, savings, stocks, and investment trusts.

[1354] "Investment products" are financial products that users can purchase or invest in, including, for example, stocks and investment trusts.

[1355] "Related information" is information about specific investment products and market trends that is necessary for users to make appropriate investment decisions.

[1356] A "dedicated page" is a web page provided individually to each user, which displays the user's asset information and investment proposals.

[1357] A "confirmation email" is an email sent to the email address entered by the user for authentication purposes.

[1358] "Account activation" is an operation to change the status of an account so that the user can officially use the system.

[1359] A "profile page" is a web page where a user can enter details about themselves.

[1360] A "database" is a system for storing and managing input user information.

[1361] A "prompt" is a formalized sentence that asks a generative AI model for specific instructions or data analysis.

[1362] "Integrated marketing measures" are a series of activities that provide optimal investment proposals and marketing information at the appropriate time according to the user's investment stage.

[1363] This invention is a system that allows users to input personal information and use a generative AI model to carry out asset formation planning. The system aims to enable users to build assets with peace of mind by visualizing their future asset status and proposing appropriate investment products.

[1364] Users access the system using a web browser or a dedicated app. The system uses web technologies such as HTML, CSS, and JavaScript to display a user registration screen. Users enter personal information such as their name, email address, and password on this screen. The device sends the entered information to the server, which stores it in a database. A confirmation email is sent to the email address entered by the user, and the server activates the user's account when the user clicks on the link in the confirmation email.

[1365] When a user logs in, a profile page appears. On this page, the user enters details such as age, annual income, and current financial assets. The device sends the entered information to the server, which stores it in a database. Based on the stored information, the server sends prompts to the generative AI model, requesting it to generate a wealth formation plan.

[1366] As a concrete example, consider the case where a user inputs information such as age 34, annual income of 5 million yen, and current financial assets of 3 million yen. The server sends the following prompt to the generative AI model:

[1367] "Please simulate the projected and ideal financial assets of a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen at age 65, and suggest the most suitable investment products."

[1368] The generative AI model analyzes this prompt and user data to simulate the user's expected financial assets at age 65. The simulation results are compared with the ideal amount of assets and generated as an asset formation planning table. The server saves and displays the generated planning table on the user's MyPage.

[1369] Next, the generative AI model calculates the investment amount required for the user to reach their ideal asset amount based on the asset formation planning table. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server also collects market trends and related company information and provides this to the generative AI model, providing comprehensive investment information to the user.

[1370] Once the investment information is generated, the server reflects it on the user's MyPage or updates it in real time if new information is available. If the user accepts the investment proposal, the terminal redirects the user to an application screen for opening an account at a financial institution, and the server supports the application procedure.

[1371] This system allows users to understand detailed asset formation plans and carry out reliable investment activities.

[1372] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1373] Step 1:

[1374] The user launches a web browser or a dedicated app and accesses the new user registration screen. Input: Web browser or dedicated app, personal information (name, email address, password, etc.). The server uses HTML, CSS, and JavaScript to display the user registration screen. Output: User registration screen.

[1375] Step 2:

[1376] The user enters personal information such as name, email address, and password. Input: Personal information. The device processes the entered information and sends it to the server. Output: User information sent to the server.

[1377] Step 3:

[1378] The server stores the received personal information in a database. Input: Sent user information. Output: User information stored in the database. In addition, the server generates a confirmation email and sends it to the user through the SMTP server. Input: User information. Output: Sending confirmation email.

[1379] Step 4:

[1380] The user clicks on the link in the confirmation email they received. Input: Confirmation email. The server detects the link click and activates the user's account. Input: Link click. Output: Updates the user status in the database to "enabled".

[1381] Step 5:

[1382] After a user logs in, they are taken to their profile page. Input: Login information. The server generates a profile page based on the user data. Output: Profile page.

[1383] Step 6:

[1384] The user inputs detailed information such as age, annual income, current financial assets, etc. Input: Detailed information such as age, annual income, current financial assets, etc. The terminal sends this information to the server. Output: Detailed information sent to the server.

[1385] Step 7:

[1386] The server stores the received details in a database for future use. Input: Details sent. Output: Details stored in the database. The server generates a confirmation message confirming successful saving and displays it to the user. Output: Confirmation message.

[1387] Step 8:

[1388] The server passes the user's detailed information to the generative AI model and prepares a prompt. Input: Detailed information. Output: Generated prompt. The server sends the prompt to the generative AI model, requesting it to generate an asset formation plan. Input: Generated prompt. Output: Prompt sent to the generative AI model.

[1389] Step 9:

[1390] The generative AI model analyzes the prompt and user data to simulate the user's expected financial assets at age 65. Input: Prompt, user data. The generative AI model calculates the ideal asset amount and indicates the shortfall. Output: Asset formation planning table.

[1391] Step 10:

[1392] The server saves the generated asset formation planning table in the database and reflects it on the user's MyPage. Input: Asset formation planning table. Output: MyPage update. The user can check the asset formation planning results on MyPage. Output: Planning results displayed on MyPage.

[1393] Step 11:

[1394] Based on the asset formation planning table, the generative AI model calculates the investment amount required for the user to reach their ideal asset amount and suggests appropriate investment products. Input: Asset formation planning table. Output: Investment proposals.

[1395] Step 12:

[1396] The server collects relevant market trends and company information and provides this to the generative AI model. The server reflects the generated investment information on MyPage and displays it to the user. Input: Market trends, company information. Output: Investment information reflected on MyPage. Users can check the latest investment information on MyPage. Output: Investment information displayed to the user.

[1397] Step 13:

[1398] If the user accepts the investment proposal, the terminal redirects the user to the financial institution's account opening application screen. Input: Acceptance of investment proposal. The server sends the account opening information entered by the user to the financial institution to assist with the procedure. Input: Account opening information. Output: Account opening information sent to the financial institution.

[1399] Step 14:

[1400] The server notifies the user when account opening is complete. Input: Account opening completion information. Output: Notification to the user. In addition, the server displays information about related financial services. Input: Related service information. Output: Information displayed to the user.

[1401] (Application example 1)

[1402] 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."

[1403] In conventional asset formation systems, users could not easily predict what their future asset situation would be, and the information provided to select appropriate investment products was insufficient. In addition, the procedures for actually purchasing the proposed investment products were complicated, resulting in low user convenience. This created a problem that made it difficult for users to build assets with peace of mind.

[1404] 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.

[1405] In this invention, the server includes means for a user to input and authenticate personal information, means for generating an asset formation plan based on the user's input information using a generation AI, means for proposing optimal investment products based on the results of the asset formation plan and providing related information, means for displaying the investment product proposals and information provision results on a user's dedicated page, and means for purchasing the proposed investment products using an electronic payment function. This allows the user to understand their future asset situation in more detail and easily select and purchase appropriate investment products.

[1406] "User" means an individual or legal entity that enters personal information and creates an account in order to use the system to conduct asset formation planning.

[1407] "Personal information" refers to information necessary to identify a user's identity and circumstances, such as the user's name, email address, password, age, annual income, and current financial assets.

[1408] "Authentication" is a procedure required for a user to gain access to a system, and is the process of verifying the user's identity based on personal information entered.

[1409] "Generative AI" is a system that uses artificial intelligence to analyze information entered by users and automatically generate asset formation plans.

[1410] "Asset formation planning" is the process of predicting the user's future asset situation based on their current situation and formulating a specific plan to reach their ideal asset amount.

[1411] "Investment products" are financial products such as stocks, investment trusts, and real estate that users can purchase to build up their assets.

[1412] "Related information" refers to supplementary information that users need when considering an investment, such as the advantages and disadvantages of investment products, risks, and market trends.

[1413] "Electronic payment facility" refers to technology that simplifies the payment process for users to purchase proposed investment products online.

[1414] A "dedicated page" is a web page or application screen that is individually provided for each user and is used to display investment product proposals and related information.

[1415] "Integrated marketing measures" refers to a series of marketing activities aimed at providing optimal investment proposals and related information according to the user's investment stage.

[1416] "Investment stage" is a concept that indicates the stage a user is currently at in the asset formation process, and is used to provide appropriate investment products and information accordingly.

[1417] This invention relates to a system in which users input their personal information, use AI to create asset formation plans, and execute investments through electronic payment functions. The system is designed to enable users to work on asset formation without worry.

[1418] System Configuration

[1419] The system consists of the following main components:

[1420] User terminal: A device such as a smartphone or computer into which a user enters personal information and information related to asset formation.

[1421] Server: Stores the personal information entered, calls the generation AI to generate asset formation plans, and provides users with suggested investment products and related information.

[1422] Generative AI model: An artificial intelligence model implemented in a programming language such as Python that analyzes user input and creates wealth creation plans and investment recommendations.

[1423] Specific processing flow

[1424] 1. User Registration and Authentication

[1425] The user enters personal information (name, email address, password) to create an account. The entered information is sent from the device to the server. The server stores it in a database and sends a confirmation email. The user clicks on the link in the confirmation email to activate the account.

[1426] 2. Initial settings and information entry

[1427] After logging in, users enter details such as their age, annual income, and current financial assets. This data is sent from the device to the server and passed to the generative AI model.

[1428] 3. Creating an asset formation plan

[1429] The server calls the generative AI model and generates an asset formation plan based on the user's input information. The generative AI model analyzes the input data and simulates the user's future asset situation.

[1430] 4. Investment proposals and information provision

[1431] The generative AI model proposes suitable investment products based on the simulation results and generates detailed product information, including advantages and disadvantages, risks, and market trends. The server displays this information on the user's dedicated page.

[1432] 5. Electronic payment function

[1433] If the user wishes to purchase the proposed investment product, the server will support the purchase procedure through an electronic payment function, allowing the user to easily start investing.

[1434] Specific examples

[1435] For example, a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen would use the system in the following way: First, they access the system from a web browser or dedicated app, enter their personal information and create an account. Next, they enter details of their age, annual income, and current financial assets. The generative AI model then analyzes this data, simulates their projected assets at age 65, and calculates the shortfall. The generative AI model then suggests investment products suitable for the user and provides detailed information about those products. The user can confirm this information through a dedicated page and make their investment using the electronic payment function.

[1436] Prompt Sentence Examples

[1437] "34 years old, annual income of 5 million yen, current financial assets of 3 million yen"

[1438] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1439] Step 1:

[1440] User Registration and Authentication

[1441] Input: The user enters personal information (name, email address, password) into the device.

[1442] Processing: The device sends this information to the server, which stores the data in a database, and then sends a confirmation email to the user's email address.

[1443] Output: The user clicks on the link in the confirmation email and their account is activated and they can log in.

[1444] Step 2:

[1445] Initial settings and information entry

[1446] Input: The user enters details such as age, annual income, and current financial assets into the terminal.

[1447] Processing: The terminal sends the entered information to the server, which stores it in a database.

[1448] Output: Based on the input information, the server prepares this data to be passed to a generative AI model.

[1449] Step 3:

[1450] Creating an asset formation plan

[1451] Input: The server passes the initial and saved user information to the generative AI model.

[1452] Processing: The generative AI model analyzes the user's age, annual income, and current financial assets to simulate their future financial situation.

[1453] Output: The generated asset formation planning results are sent back to the server.

[1454] Step 4:

[1455] Investment proposals and information

[1456] Input: The server receives the wealth planning results received from the generative AI model.

[1457] Processing: Based on the planning results, the generative AI model selects the most suitable investment product and generates detailed information on the investment product, its advantages and disadvantages, risks, and market trends.

[1458] Output: The proposed investment products and related information are sent to the server and displayed on the user's personal page.

[1459] Step 5:

[1460] Electronic payment function

[1461] Input: The user reviews the proposed investment products on a dedicated page and selects the product they wish to purchase.

[1462] Processing: The server invokes the electronic payment function and performs the payment procedure based on the user's selection.

[1463] Output: If the payment is successful, the user's purchase history is saved in the database and a purchase notification is sent to the user.

[1464] Prompt Sentence Examples

[1465] "34 years old, annual income of 5 million yen, current financial assets of 3 million yen"

[1466] That's all for the explanation.

[1467] 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.

[1468] This invention relates to a system that allows users to input personal information and use generative AI and an emotion engine to carry out asset formation planning. The purpose of this invention is to visualize the user's future asset status and propose appropriate investment products, as well as to recognize the user's emotional state and make more appropriate investment proposals, allowing users to build assets with peace of mind.

[1469] User Registration and Authentication

[1470] A user accesses the system using a web browser or a dedicated app and enters the required personal information (such as name, email address, and password) on the new user registration screen. The device sends this information to the server. The server stores the received information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in.

[1471] Initial settings and information entry

[1472] After logging in, users go to a profile page and enter details such as their age, annual income, current financial assets, etc. The device sends the entered information to the server, which then stores the data in a database.

[1473] Asset formation planning

[1474] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan. The generation AI analyzes the input data and simulates the user's expected financial assets at age 65. The simulation results are compared with the ideal asset amount and generated as an asset formation planning table. The server saves the generated planning table on the user's MyPage and displays it.

[1475] Investment proposals and information

[1476] Based on the asset formation planning table, the generation AI calculates the investment amount required to reach the ideal asset amount. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server queries the generation AI for basic information such as relevant company information and market trends, and instructs it to explain this information in an easy-to-understand manner. The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server. The server reflects and displays this information on the user's MyPage.

[1477] Use of emotion engine

[1478] When a user interacts with the system, the emotion engine recognizes the user's emotional state (e.g., stress level, risk tolerance) based on the user's input and behavior. For example, if the user is worried for a long time or repeatedly checks specific information, the emotion engine will detect a high stress level.

[1479] Emotional customization

[1480] The Generative AI generates customized asset formation planning and investment suggestions based on the user's emotional state as recognized by the Emotion Engine. For example, if a user indicates a high stress level, it will adjust its suggestions to include low-risk investment products. The server displays these customized suggestions on the user's MyPage and updates them in real time.

[1481] Specific examples

[1482] For example, let's say a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system in the following way: The user enters their age (34), annual income of 5 million yen, and current financial assets of 3 million yen, and sends this information from their device to the server. The server passes this information to the generation AI, which then creates an asset formation plan. The generation AI simulates the user's expected financial assets at age 65 based on the user's information, resulting in 60 million yen. It calculates the ideal asset amount as 80 million yen and indicates the shortfall of 20 million yen. The generation AI then suggests investment products suitable for the user and clearly explains the investment information and risks of those products. The server saves this information on the user's MyPage and updates it in real time. The emotion engine also monitors the user's stress level as they interact with the system, and the generation AI uses this emotional information to make additional, customized suggestions.

[1483] The present invention allows users to understand specific asset formation plans and receive appropriate investment proposals that take into account their emotional state, allowing users to form assets with greater peace of mind.

[1484] The processing flow will be explained below.

[1485] Step 1:

[1486] Users open a web browser or a dedicated app, access the new user registration screen, and enter their name, email address, and password.

[1487] Step 2:

[1488] The terminal transmits this information to the server.

[1489] Step 3:

[1490] The server stores the received information in a database and sends a confirmation email to the user.

[1491] Step 4:

[1492] When the user clicks on the link in the confirmation email, the server activates the account and sets it up so the user can log in.

[1493] Step 5:

[1494] After logging in, users go to their profile page and enter detailed information such as their age, annual income, and current financial assets.

[1495] Step 6:

[1496] The terminal transmits the input information to the server.

[1497] Step 7:

[1498] The server stores the received information in a database.

[1499] Step 8:

[1500] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan.

[1501] Step 9:

[1502] The generative AI analyzes the input data and simulates the user's expected financial assets at age 65.

[1503] Step 10:

[1504] The generation AI compares the ideal asset amount with the actual simulation results and generates an asset formation planning table.

[1505] Step 11:

[1506] The server saves the generated planning table in the user's MyPage and displays it.

[1507] Step 12:

[1508] The emotion engine recognizes the user's emotional state based on their input and behavior, for example detecting stress levels if they linger on a piece of information for a long time or repeatedly check specific information.

[1509] Step 13:

[1510] The generative AI generates customized wealth planning and investment recommendations based on the user's emotional state as recognized by the emotion engine.

[1511] Step 14:

[1512] The generative AI suggests appropriate investment products (stocks, investment trusts, etc.) based on the user's financial situation and risk tolerance.

[1513] Step 15:

[1514] The server queries the generation AI for basic information about the investment product and market data, and instructs it to explain it in an easy-to-understand manner.

[1515] Step 16:

[1516] The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server.

[1517] Step 17:

[1518] The server reflects this information on the user's MyPage and displays it.

[1519] Step 18:

[1520] If the user accepts the investment proposal, the terminal redirects the user to a screen for applying to open an account with a securities company.

[1521] Step 19:

[1522] The server sends the account opening information entered by the user to the financial institution and supports the application process.

[1523] Step 20:

[1524] The server confirms that the account opening is complete and notifies the user.

[1525] Step 20:

[1526] The server displays a guide to the user to encourage opening or applying for related financial services.

[1527] Step 21:

[1528] The generative AI implements integrated marketing measures according to the user's investment stage and provides investment proposals and marketing information at the optimal time.

[1529] Example 2

[1530] 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."

[1531] While conventional asset formation systems can provide individual investment suggestions and financial asset forecasts, they do not provide support that goes as far as providing appropriate investment suggestions that take into account the user's emotional state. Therefore, there is a need for a system that can reduce user stress caused by information overload and risk, and allow users to proceed with asset formation with peace of mind.

[1532] 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.

[1533] In this invention, the server includes means for a user to input and authenticate personal information, means for generating an asset formation plan based on the user's input information using a generation AI, means for visualizing the user's asset formation plan and predicting future financial assets, means for proposing investment products based on the planning results and providing related information, means for displaying the investment product proposals and information provision results on the user's dedicated page, means for detecting the user's emotional state, and means for generating customized investment proposals based on the user's emotional state. This enables support for asset formation that takes into account the user's emotional state and provides peace of mind.

[1534] "User" refers to a user who uses the system to input personal information and receive asset formation planning and investment proposals.

[1535] "Personal information" refers to information that identifies a user, such as name, email address, password, age, annual income, and current financial assets.

[1536] "Authentication" refers to the process by which a system verifies information received from a user and confirms the user's legitimacy.

[1537] "Generative AI" refers to an artificial intelligence system that automatically generates asset formation plans and investment proposals based on data provided by users.

[1538] "Asset formation planning" refers to a plan that predicts future financial assets based on the user's current financial assets and income information, and creates an ideal asset formation plan.

[1539] "Visualization" refers to displaying asset formation planning and future financial asset forecast results in a way that is easy for users to understand.

[1540] "Investment products" refer to specific financial products, such as stocks and investment trusts, that are proposed for asset formation.

[1541] "Recommendation" refers to the process of presenting suitable investment products to a user and providing detailed information about those products.

[1542] "Dedicated page" refers to a personal page provided to each user individually, where the user's asset formation plan and investment proposals are displayed.

[1543] "Emotional state" refers to the user's psychological state as perceived by the system, such as the user's stress level or risk tolerance.

[1544] "Customized investment recommendations" refer to investment products and advice that are tailored to best suit the user, taking into account the user's emotional state.

[1545] MODE FOR CARRYING OUT THE INVENTION

[1546] This invention relates to a system that allows users to input personal information and use a generative AI and emotion engine to carry out asset formation planning. The system aims to visualize the user's future asset status and propose appropriate investment products, as well as recognize the user's emotional state to make more appropriate investment proposals, allowing users to build assets with peace of mind.

[1547] User Registration and Authentication

[1548] A user accesses the system using a web browser or a dedicated app and enters the required personal information (such as name, email address, and password) on the new user registration screen. The entered personal information is sent from the device to the server. The server stores the received information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in.

[1549] Initial settings and information entry

[1550] After logging in, users go to their profile page and enter details such as their age, annual income, current financial assets, etc. This information is sent by the device to the server, which stores the received data in a database.

[1551] Asset formation planning

[1552] The server passes the user's input information to the generation AI and requests it to generate an asset formation plan. The generation AI analyzes the input data and simulates the user's expected financial assets at age 65. The simulation results are compared with the user's ideal asset amount and generated as an asset formation planning table. This planning table is saved by the server to the user's MyPage and displayed.

[1553] Investment proposals and information

[1554] Based on the asset formation planning table, the generation AI calculates the investment amount required to reach the ideal asset amount. It also suggests appropriate investment products (e.g., stocks, investment trusts) based on the user's asset status and risk tolerance. The server queries the generation AI for basic information such as relevant company information and market trends, and instructs it to explain in an easy-to-understand manner. The generation AI generates information such as the advantages and disadvantages of investment products, risks, and market trends, and sends it to the server. This information is reflected and displayed by the server on the user's MyPage.

[1555] Use of emotion engine

[1556] As users interact with the system, the emotion engine recognizes their emotional state (such as stress level or risk tolerance) based on their input and behavior. For example, if a user is worried for a long time or repeatedly checks specific information, the emotion engine will detect a high stress level.

[1557] Emotional customization

[1558] The Generative AI generates customized asset formation planning and investment proposals based on the user's emotional state as recognized by the Emotion Engine. For example, if a user indicates a high stress level, it will adjust the proposals to recommend low-risk investment products. The server displays the customized proposals on the user's MyPage and updates them in real time.

[1559] Specific examples

[1560] For example, let's say a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system in the following way: The user enters their age (34), annual income of 5 million yen, and current financial assets of 3 million yen, and sends this information from their device to the server. The server passes this information to the generation AI, which then creates an asset formation plan. The generation AI simulates the user's expected financial assets at age 65 based on the user's information, resulting in 60 million yen. It calculates the ideal asset amount as 80 million yen and displays a shortfall of 20 million yen. The generation AI then suggests investment products suitable for the user and clearly explains the investment information and risks of each product. The server saves this information on the user's MyPage and updates it in real time. The emotion engine also monitors the user's stress level as they interact with the system, and the generation AI uses this emotional information to make additional, customized suggestions.

[1561] Prompt Sentence Examples

[1562] "If a user is 34 years old, earns 5 million yen a year, and currently has financial assets of 3 million yen, and wants to accumulate assets worth 80 million yen by age 65, please tell me what asset formation plan and recommended investment products they would offer. Also, please explain the investment information and risks based on the calculation results."

[1563] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1564] Step 1:

[1565] The user accesses the new user registration screen using a web browser or a dedicated app and enters personal information (such as name, email address, and password). This entered information is sent to the device.

[1566] Input: Personal information such as name, email address, and password.

[1567] Output: The device sends personal information to the server.

[1568] Step 2:

[1569] The device sends the received personal information to the server, which stores the information in a database and sends a confirmation email to the user.

[1570] Input: Personal information sent from your device.

[1571] Output: Save personal information to database and send confirmation email to user.

[1572] Step 3:

[1573] The user verifies their account by clicking the link in the confirmation email, which causes the server to activate the user's account and allow the user to log in.

[1574] Input: User clicks on the link in the confirmation email.

[1575] Output: Account enabled.

[1576] Step 4:

[1577] After logging in, the user goes to a profile page and enters detailed information such as their age, annual income, current financial assets, etc. This information is sent to the terminal and then transferred from the terminal to the server.

[1578] Input: detailed information such as age, annual income, current financial assets, etc.

[1579] Output: The terminal sends detailed information to the server.

[1580] Step 5:

[1581] The server stores the received details in a database and passes them to the generation AI, requesting it to generate an asset formation plan.

[1582] Input: User details.

[1583] Output: Save to database and provide information to generation AI.

[1584] Step 6:

[1585] The AI ​​generator analyzes the received data and simulates the user's projected financial assets at age 65. It compares the simulation results with the ideal amount of assets and generates an asset formation planning table.

[1586] Input: User details.

[1587] Output: Asset formation planning table.

[1588] Step 7:

[1589] The server saves the generated asset formation planning table in the user's MyPage and displays it.

[1590] Input: Asset formation planning table generated by AI.

[1591] Output: Display on MyPage.

[1592] Step 8:

[1593] Based on the asset formation planning table, the AI ​​generator calculates the investment amount required to reach the ideal asset amount, and also suggests appropriate investment products based on the user's asset situation and risk tolerance.

[1594] Input: Asset formation planning table, user details.

[1595] Output: Recommendations for suitable investment products.

[1596] Step 9:

[1597] The server queries the generation AI for basic information such as relevant company information and market trends, and the generation AI generates information such as the advantages and disadvantages of the investment product, risks, and market trends, and sends it to the server.

[1598] Input: Company information and market trends queries from the server.

[1599] Output: Detailed information about the investment product.

[1600] Step 10:

[1601] The server displays the investment information provided by the generation AI on the user's MyPage so that the user can check it.

[1602] Input: Investment information generated by AI.

[1603] Output: Display on MyPage.

[1604] Step 11:

[1605] When a user interacts with the system, the emotion engine recognizes the user's emotional state based on their input and behavior. For example, if the user is worried for a long time or repeatedly checking information, it will detect a high stress level.

[1606] Input: User actions and input information.

[1607] Output: Emotional state recognition and stress level detection.

[1608] Step 12:

[1609] The Generative AI generates customized asset formation planning and investment proposals based on the user's emotional state as recognized by the emotion engine. For example, if a user indicates a high stress level, it will suggest low-risk investment products. The server displays these customized proposals on the user's MyPage and updates them in real time.

[1610] Input: Emotional state information.

[1611] Output: Generation of customized investment proposals and display on MyPage.

[1612] (Application example 2)

[1613] 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."

[1614] In today's asset-building world, it is complicated for users to obtain appropriate information and feel psychologically secure when investing, with a particular problem being the inconsistency in judgment due to emotional states. Furthermore, the purchasing process for investment products is cumbersome, creating a need for a system that is intuitively easy for users to understand and that allows them to take action immediately.

[1615] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for a user to input personal information and perform authentication, means for generating an asset formation plan based on the user's input information using a generation AI, means for visualizing the user's asset formation plan and predicting future financial assets, means for suggesting investment products and providing related information based on the planning results, means for displaying the investment product suggestions and information provision results on the user's dedicated page, means for recognizing the user's emotional state using an emotion engine and adjusting investment proposals according to the user's emotional state, and means for linking with an electronic payment service to easily purchase the suggested investment products. This allows users to invest with confidence and purchase investment products intuitively and quickly.

[1616] "User" refers to an individual who uses the system to manage assets and make investments.

[1617] "Personal information" refers to information that can identify a specific individual, such as a user's name, age, annual income, and current financial assets.

[1618] "Authentication" refers to the process of verifying that a user is a legitimate user.

[1619] "Generative AI" refers to artificial intelligence that generates asset formation plans based on user input information.

[1620] "Wealth formation planning" refers to the process of using user input information to predict future asset status and create an appropriate investment plan.

[1621] "Visualization" refers to displaying data or information in a way that is easy for users to understand.

[1622] "Investment products" refers to financial products such as stocks, investment trusts, and real estate that users purchase to manage their assets.

[1623] "Suggestion" refers to proposing appropriate investment products based on the user's asset formation plan.

[1624] "Relevant information" refers to information necessary for users to make investment decisions, such as the characteristics, risks, and yields of investment products.

[1625] "Dedicated page" refers to a web page or app page that is provided individually to each user.

[1626] An "emotion engine" refers to a system that analyzes a user's emotional state based on their behavior and input information.

[1627] "Emotional state" refers to a user's psychological state, such as excitement, stress, risk tolerance, etc.

[1628] "Electronic payment service" refers to a service for conducting monetary transactions online.

[1629] The present invention relates to a system for enabling a user to carry out asset formation planning using a smartphone or a head-mounted display. The system is implemented in the following manner.

[1630] First, the user enters and authenticates their personal information using a smartphone or other device. This information includes name, age, annual income, current financial assets, etc., and is sent from the device to the server. The server stores the received information in a database and sends the user a confirmation email. The user activates their account by clicking on a link in the confirmation email. Next, after logging in, the user enters their details on a profile page, which is also sent to the server.

[1631] Based on this user data, the server uses a generative AI to generate an asset formation plan. The generative AI is built using a programming language such as Python and performs data analysis. The generated plan is displayed on the server on a dedicated page for the user, visualizing future financial assets. Comparing the results, the generative AI suggests appropriate investment products and provides related information such as the characteristics, risks, and yields of the investment products.

[1632] In addition, the system uses an emotion engine to analyze the user's emotional state in real time. The emotion engine analyzes the user's operation history and input patterns, and if the user is feeling high stress, the generative AI adjusts to suggest low-risk investment products. This data is then stored on the server again and reflected in real time on the user's dedicated page.

[1633] Furthermore, the system can be linked to electronic payment services, allowing users to immediately purchase suggested investment products. This function is implemented through an API, allowing users to intuitively and quickly start managing their assets.

[1634] As a concrete example, if a 34-year-old user with an annual income of 5 million yen and current financial assets of 3 million yen uses the system, the following steps are included:

[1635] 1. The user enters information such as age, annual income, and current financial assets, and sends it from the terminal to the server.

[1636] 2. The server passes this information to the generation AI, which creates an asset formation plan.

[1637] 3. The generating AI simulates the expected financial assets at age 65 based on the user's information, resulting in 60 million yen.

[1638] 4. Calculate the ideal asset amount as 80 million yen and show the shortfall as 20 million yen.

[1639] 5. The generative AI suggests investment products suitable for the user and provides easy-to-understand explanations of the investment information and risks of those products.

[1640] 6. The server stores this information on the user's MyPage and updates it in real time.

[1641] 7. The emotion engine monitors the user's emotional state, and the generative AI uses this information to make additional customized suggestions.

[1642] As an example of a prompt statement, enter the following:

[1643] 1. User registration: The user enters personal information (name, email address, password) and sends it to the server.

[1644] 2. Information input: The user inputs detailed information such as age, annual income, current financial assets, etc. and sends it to the server.

[1645] 3. Generating an asset formation plan: The server passes the data to the generation AI, which creates an asset formation plan.

[1646] 4. Implementing investment proposals: The generation AI proposes appropriate investment products and sends relevant information to the server.

[1647] 5. Use of emotion engine: Analyze the user's emotional state based on their operation history and input patterns.

[1648] 6. Emotion-based plan customization: Generative AI will make investment suggestions based on your emotional state.

[1649] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1650] Step 1:

[1651] The user enters and authenticates personal information

[1652] Users use their smartphones or other devices to enter personal information and perform authentication. Specifically, they enter their name, age, email address, password, etc. The entered data is sent from the device to the server. The server stores this information in a database and sends a confirmation email to the user. When the user clicks the link in the confirmation email, the server activates the account and sets it up so that the user can log in. This allows the user to start using the system.

[1653] Input: Personal information such as name, age, email address, and password

[1654] Output: Account confirmation email

[1655] Step 2:

[1656] The user enters the details

[1657] After logging in, users go to their profile page and enter details such as their age, annual income, and current financial assets. The entered information is then sent back to the server from the device. The server stores this information in a database, which is then used for future asset formation planning.

[1658] Input: User details such as age, annual income, current financial assets, etc.

[1659] Output: Details are saved in a database

[1660] Step 3:

[1661] Generate wealth planning using generative AI

[1662] The server passes the user's detailed information to the generation AI and requests it to generate an asset formation plan. The generation AI performs analysis and simulates the user's future financial assets. The simulation results are compared with the ideal asset amount and generated as an asset formation planning table. The generated planning table is saved on the server and displayed on the user's dedicated page.

[1663] Input: User details

[1664] Output: Asset formation planning table, simulation results

[1665] Step 4:

[1666] Suggest investment products and provide relevant information

[1667] The AI ​​generator suggests appropriate investment products based on the asset formation planning table. It also generates related information such as the characteristics, risks, and yields of the investment products and sends it to the server. The server then displays this information on the user's dedicated page in an easy-to-understand format. Specifically, it includes detailed information about each investment product and market trends.

[1668] Input: Asset formation planning table

[1669] Output: Investment product suggestions and related information

[1670] Step 5:

[1671] Recognizing the user's emotional state using an emotion engine

[1672] When a user browses a dedicated page or checks investment information, the emotion engine monitors the user's operation history and input patterns. The emotion engine analyzes the user's emotional state (such as stress level and risk tolerance) in real time and feeds the results back to the generation AI.

[1673] Input: User operation history and input patterns

[1674] Output: Emotional state analysis result

[1675] Step 6:

[1676] Generate customized investment recommendations based on your emotional state

[1677] The Generative AI generates customized asset formation plans and investment proposals based on the analysis results from the Emotion Engine. For example, if a user shows high levels of stress, it will adjust the suggestions to include low-risk investment products. The server then displays these customized proposals in real time on the user's dedicated page.

[1678] Input: Emotional state analysis results, original asset formation planning table

[1679] Output: Customized wealth planning and investment proposals

[1680] Step 7:

[1681] Linking with electronic payment services to make purchasing investment products easier

[1682] When a user purchases a suggested investment product, the server connects to an electronic payment service. The user can complete the purchase of the investment product with intuitive operations. The payment information is sent to the server and saved in a database as a purchase history.

[1683] Input: Investment purchase request

[1684] Output: Payment information, purchase history

[1685] As described above, the processing performed at each step allows the user to receive comprehensive asset formation planning and investment proposals, providing a system that allows the user to proceed with investments with peace of mind.

[1686] 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.

[1687] 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.

[1688] In the above embodiment, an example in which the specific processing is performed by the data processing device 12 has been given, but the technology of the present disclosure is not limited to this, and the specific processing may be performed by the robot 414.

[1689] 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.

[1690] 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.

[1691] 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.

[1692] 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).

[1693] 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.

[1694] 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."

[1695] 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.

[1696] 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).

[1697] 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.

[1698] 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.

[1699] 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.

[1700] 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.

[1701] 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.

[1702] 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.

[1703] 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.

[1704] 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.

[1705] 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.

[1706] 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.

[1707] The following is further disclosed regarding the above embodiment.

[1708] (Claim 1)

[1709] A means for a user to input personal information and perform authentication;

[1710] A means for generating an asset formation plan based on user input information using a generation AI;

[1711] A means to visualize users' asset formation plans and predict future financial assets,

[1712] A means for suggesting investment products and providing related information based on the planning results;

[1713] A means for displaying investment product suggestions and information provided results on a user's dedicated page;

[1714] A system including:

[1715] (Claim 2)

[1716] 2. The system according to claim 1, further comprising means for executing an integrated marketing measure and making optimal investment proposals according to the user's investment stage.

[1717] (Claim 3)

[1718] The system of claim 1 further includes a means for a user to input information such as age, annual income, and current financial assets, and for the generation AI to calculate the ideal asset amount based on that data.

[1719] "Example 1"

[1720] (Claim 1)

[1721] A means for a user to input personal information for authentication;

[1722] A means for generating an asset formation plan based on user input information using a generative AI model;

[1723] A means to visualize users' asset formation plans and predict future financial assets,

[1724] A means for suggesting investment products and providing related information based on the planning results;

[1725] A means for displaying investment product suggestions and information provided results on a user's dedicated page;

[1726] A means for users to activate their account by clicking a link in a confirmation email;

[1727] means for inputting user details into a profile page;

[1728] a means for storing user information in a database;

[1729] a means for passing user data to the generative AI model and sending prompts;

[1730] A means for saving and displaying the asset formation planning table on the user's MyPage;

[1731] A system including:

[1732] (Claim 2)

[1733] 2. The system according to claim 1, further comprising means for executing an optimal integrated marketing measure according to the user's investment stage, and opening a dedicated account when the user accepts the investment proposal.

[1734] (Claim 3)

[1735] The system of claim 1 further includes a means for a user to input information such as age, annual income, and current financial assets, and for the generative AI model to calculate the ideal amount of assets based on that data and indicate the shortfall.

[1736] "Application Example 1"

[1737] (Claim 1)

[1738] A means for a user to input personal information and perform authentication;

[1739] A means for generating an asset formation plan based on user input information using a generation AI;

[1740] A means to propose optimal investment products based on the results ...

Claims

1. A means for a user to input personal information and perform authentication; A means for generating an asset formation plan based on user input information using a generation AI; A means to visualize users' asset formation plans and predict future financial assets, A means for suggesting investment products and providing related information based on the planning results; A means for displaying investment product suggestions and information provided results on a user's dedicated page; A system including:

2. 2. The system according to claim 1, further comprising means for implementing an integrated marketing strategy and making optimal investment proposals according to the user's investment stage.

3. The system according to claim 1, further comprising a means for a user to input information such as age, annual income, and current financial assets, and for the generation AI to calculate an ideal asset amount based on that data.

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