System

Abstract

A system is provided.SOLUTION: A system comprising: means for collecting financial data of a user; means for analyzing the collected financial data and generating a financial plan customized for the user; means for providing the generated financial plan to the user; means for periodically updating market data and the financial data of the user for use in subsequent analyses; and means for securing all data used in the above means.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] Personal financial issues are highly personal and sensitive, and many people are reluctant to discuss them with others. In particular, middle-income working people, people with families, and people with limited financial knowledge lack the tools to easily create financial plans at their own pace. As a result, these people are less likely to be able to effectively plan their finances and lack future financial stability. Furthermore, handling financial data poses the risk of information leaks and privacy violations. [Means for solving the problem]

[0005] The present invention provides an AI-driven financial planning system that allows users to share their financial situation in a secure environment and receive customized advice. The system includes a means for collecting a user's financial data, a means for analyzing the collected financial data to generate a customized financial plan for the user, a means for providing the generated financial plan to the user, a means for periodically updating market data and the user's financial data for use in the next analysis, and a means for ensuring the security of all data used in the above means. The system also includes a means for providing relevant financial education resources to the user, helping the user effectively improve their financial knowledge. Furthermore, the system provides a chatbot or customer support means for responding to user inquiries and questions, providing a secure environment for users to use the system. In this way, the system helps users create effective financial plans tailored to their individual circumstances.

[0006] "User" refers to an individual who registers to use the System and enters their financial data.

[0007] "Financial Data" refers to information about your personal financial situation, including your income, expenses, assets, liabilities, and investments.

[0008] "Analysis" refers to the process in which the AI ​​engine calculates the balance of income and expenditure based on collected financial data and evaluates the user's financial situation.

[0009] "Financial Plan" means a plan that includes savings, investment, and spending reduction strategies customized to a User's specific financial goals.

[0010] "Market Data" means economic-related data obtained from external sources, such as financial market trends and statistics.

[0011] "Update" refers to the process of periodically gathering the latest financial and market data from users and reassessing and revising existing financial plans.

[0012] "Security" refers to the technical and administrative measures used to protect your financial data and prevent unauthorized access or disclosure.

[0013] "Educational Resources" refers to educational materials, guides, tutorials, and other information provided to improve financial literacy.

[0014] A "chatbot" is a program that automatically responds to user inquiries.

[0015] "Customer support" refers to assistance services to respond to and resolve problems and questions that users have. [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] The AI-driven financial planning system of the present invention allows users to share their financial situation in a secure environment and receive customized financial advice. An embodiment of this system is described in detail below.

[0038] System Configuration

[0039] The system mainly consists of the following components:

[0040] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[0041] 2. Server: A central processing unit that receives data from users, analyzes it using an AI engine, and returns the results to the users.

[0042] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[0043] 4. Database: A storage system that encrypts and stores users' financial and market data.

[0044] 5. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[0045] Program processing procedure

[0046] 1. Initial Setup and User Authentication

[0047] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[0048] 2. Information gathering and data entry

[0049] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[0050] 3. Data analysis and plan generation

[0051] The server sends the stored data to an AI engine for analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The server receives the analysis results, generates plans to provide to users, and sends them to their devices.

[0052] 4. Advising and Educational Resources

[0053] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[0054] 5. Regular review and updates

[0055] The server periodically recollects and reanalyzes market data and the user's latest financial information. The AI ​​engine revises the plan based on the new data and uses it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[0056] Specific examples

[0057] Let's assume that a user (Mr. Sato) wants to use this system to make financial plans for purchasing a home in the future.

[0058] 1. Initial Setup and User Authentication

[0059] Mr. Sato (user) signs up to the system and registers by entering his authentication information.

[0060] The server encrypts the input information and stores it in a database, allowing Mr. Sato to log in to the system.

[0061] 2. Information gathering and data entry

[0062] Mr. Sato (the user) enters financial information such as income, monthly expenses, current savings, and loan balance.

[0063] The device collects this information and sends it to a server, which stores the data in a database.

[0064] 3. Data analysis and plan generation

[0065] The server sends the collected data to the AI ​​engine and begins analysis.

[0066] The AI ​​engine generates an optimal savings and investment strategy based on Sato's financial situation and suggests steps to achieve his future goals.

[0067] The server stores the analysis results and sends them to the device.

[0068] 4. Advising and Educational Resources

[0069] The device displays a customized plan and related financial education resources for Mr. Sato.

[0070] Mr. Sato (user) reviews the presented plan and obtains information to put it into action.

[0071] 5. Regular review and updates

[0072] Every month, the server reanalyzes market data and Sato's latest financial information and reviews the plan.

[0073] The device will notify Sato of the latest information and advice.

[0074] Mr. Sato (the user) checks the notification and readjusts his financial strategy as necessary.

[0075] The above is a description of the specific embodiment and program processing for implementing the present invention. This system allows users to efficiently and safely manage their own financial information and create the most suitable financial plan for themselves.

[0076] The processing flow will be explained below.

[0077] Step 1:

[0078] The device will display a new user registration form, prompting the user to enter information such as name, email address, and password.

[0079] The user enters the necessary information and clicks the registration button.

[0080] The server receives the input information, hashes the password, stores it in the database, and sends a registration completion email.

[0081] Step 2:

[0082] The device displays a login form and prompts the user to enter their email address and password.

[0083] The user enters their login information and clicks the login button.

[0084] The server receives the input and checks it against the hashed password in its database. If there is a match, it generates a security token and sends it back to the user.

[0085] Step 3:

[0086] The device displays a form for entering information such as income, expenses, assets, liabilities, and investments.

[0087] The user enters their financial information into the form and clicks the submit button.

[0088] The server receives the entered data and stores it in a database.

[0089] Step 4:

[0090] The device displays a form for entering financial goals (such as buying a home, saving for your children's education, or saving for retirement).

[0091] The user enters the goal and clicks the submit button.

[0092] The server receives the target data and stores it in a database.

[0093] Step 5:

[0094] The server sends the saved data to the AI ​​engine and begins analysis.

[0095] Based on the data entered, the AI ​​engine calculates income and expenditure balances, assesses the user's financial situation, and incorporates market data and trends to generate optimal investment strategies and savings plans.

[0096] The server receives the analysis results and stores them in a database.

[0097] Step 6:

[0098] The server generates a customized financial plan based on the analysis results.

[0099] The terminal provides an interface for displaying the plan to the user.

[0100] Step 7:

[0101] The server sends the generated plan to the user's interface and also selects relevant educational resources to improve the user's financial literacy.

[0102] The device displays customized plans and educational resources to the user.

[0103] The user reviews the information presented and begins to act based on the advice.

[0104] Step 8:

[0105] Users can check the plan details and use the inquiry function if they have any questions or concerns.

[0106] The device accepts inquiries from users and transfers them to a chatbot or customer support.

[0107] The server analyzes the user's inquiry and provides an appropriate answer.

[0108] Step 9:

[0109] The server periodically recollects the user's financial information and market data and stores it in a database.

[0110] The AI ​​engine will re-analyze the plan based on the latest data and revise it.

[0111] The server generates updated plans and advice based on the latest analysis results.

[0112] The device will notify the user of the latest information and revisions.

[0113] Users can review the notifications and readjust their financial strategies as needed.

[0114] Example 1

[0115] 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."

[0116] Conventional financial planning systems lacked sufficient seamlessness in collecting and analyzing users' financial data, providing customized plans, and regularly updating data, making it difficult to provide advice and educational resources tailored to users' financial situations. Furthermore, the security of users' financial data was insufficient, making protecting user privacy a challenge. Furthermore, there was a lack of a means for users to respond quickly and appropriately to inquiries or questions about the system.

[0117] 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.

[0118] In this invention, the server includes means for collecting user authentication information and generating a security token, means for collecting user financial data, and means for storing and verifying the collected financial data in a database. This allows for the provision of a customized financial plan to the user while ensuring the security of the user's financial data. Furthermore, by including means for periodically updating the user's financial data with market data to be used for the next analysis, the latest advice tailored to the user's financial situation can be provided. Furthermore, by providing a chatbot or customer support means, it is possible to quickly and appropriately respond to user inquiries and questions.

[0119] "User authentication information" means data required for a user to access the system, including, for example, name, email address, and password.

[0120] A "security token" is a unique identifier generated to prevent unauthorized access to third parties and is used to secure communication between the system and the user after user authentication.

[0121] "Financial Data" means detailed information about your income, expenses, assets, liabilities and investments.

[0122] "Database" means a system for efficiently and securely storing collected User financial and market data.

[0123] A "financial plan" is a customized proposal that analyzes the user's financial situation and includes income and expenditure balance, investment strategies, savings plans, etc.

[0124] "Financial education resources" are materials and information sources that help users deepen their financial knowledge, including articles, videos, seminars, etc.

[0125] "Market Data" means information about current economic conditions and financial markets that is used to analyze and update the financial plans we provide to our users.

[0126] A "chatbot" is a program that automatically responds to inquiries from users and uses natural language processing technology to answer user questions.

[0127] "Customer support" refers to a service in which a human representative responds to inquiries and questions from users.

[0128] MODE FOR CARRYING OUT THE INVENTION

[0129] The AI-driven financial planning system of the present invention allows users to share their financial situation in a secure environment and receive customized financial advice. The system consists of a user terminal, a server, an AI engine, a database, a chatbot, and customer support.

[0130] System configuration

[0131] 1. User terminal: A device that provides an interface for users to input financial information and receive financial plans and advice. Examples include smartphones, tablets, and PCs.

[0132] 2. Server: A central processing unit that receives data from users, analyzes it using an AI engine, and returns the results to the users.

[0133] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[0134] 4. Database: A storage system that encrypts and stores users' financial and market data.

[0135] 5. Chatbots and customer support: An automated response system and support team that responds to user inquiries.

[0136] Program processing overview

[0137] Initial Setup and User Authentication

[0138] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[0139] Information gathering and data entry

[0140] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[0141] Data analysis and plan generation

[0142] The server sends the stored data to an AI engine for analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The server receives the analysis results, generates plans to provide to users, and sends them to their devices.

[0143] Advising and Educational Resources

[0144] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[0145] Regular review and updates

[0146] The server periodically recollects and reanalyzes market data and the user's latest financial information. The AI ​​engine revises the plan based on the new data and uses it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[0147] Specific examples

[0148] Let's assume that a user (let's call him "Mr. Sato") wants to use this system to make a financial plan for purchasing a home in the future.

[0149] 1. Initial Setup and User Authentication

[0150] Mr. Sato (user) signs up to the system and registers by entering his authentication information.

[0151] The server encrypts the input information and stores it in a database, allowing Mr. Sato to log in to the system.

[0152] 2. Information gathering and data entry

[0153] Mr. Sato (the user) enters financial information such as income, monthly expenses, current savings, and loan balance.

[0154] The device collects this information and sends it to a server, which stores the data in a database.

[0155] 3. Data analysis and plan generation

[0156] The server sends the collected data to the AI ​​engine and begins analysis.

[0157] The AI ​​engine generates an optimal savings and investment strategy based on Sato's financial situation and suggests steps to achieve his future goals.

[0158] The server stores the analysis results and sends them to the device.

[0159] 4. Advising and Educational Resources

[0160] The device displays a customized plan and related financial education resources for Mr. Sato.

[0161] Mr. Sato (user) reviews the presented plan and obtains information to put it into action.

[0162] 5. Regular review and updates

[0163] Every month, the server reanalyzes market data and Sato's latest financial information and reviews the plan.

[0164] The device will notify Sato of the latest information and advice.

[0165] Mr. Sato (the user) checks the notification and readjusts his financial strategy as necessary.

[0166] Prompt Sentence Examples

[0167] Your name is Sato. To help us create the best financial plan for your future home purchase, please enter the following financial information into our system:

[0168] 1. Monthly income: 300,000 yen

[0169] 2. Monthly expenses: 150,000 yen

[0170] 3. Current savings: 1 million yen

[0171] 4. Loan balance: 500,000 yen

[0172] Next, enter your target purchase date and home price range.

[0173] This system allows users to efficiently and securely manage their financial information and create the financial plan that best suits them.

[0174] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0175] Step 1: Initial Setup and User Authentication

[0176] (Works) The device displays a user registration form. Required fields include name, email address, and password.

[0177] (Input) The user enters this information and clicks the "Register" button.

[0178] (Operation) The terminal sends the input information to the server.

[0179] (Operation) The server encrypts the received information and stores it in a database along with a hashed password for user authentication.

[0180] (Action) If the registration is successful, the server sends a confirmation email to the user.

[0181] (Input) The user enters their email address and password into the login form and submits it.

[0182] (Output) The server receives the entered authentication information and checks it against its database. If authentication is successful, the server generates a security token and returns it to the terminal.

[0183] Step 2: Information gathering and data entry

[0184] (What it does) The terminal displays a form for entering financial information. Fields include income, expenses, assets, liabilities, and investments.

[0185] (Input) The user enters the required financial information into the form and clicks the "Submit" button.

[0186] (Operation) The terminal sends the input data to the server.

[0187] (Operation) The server validates the received data and checks for any invalid data.

[0188] (Output) After validation, the server saves the data to the database.

[0189] Step 3: Data analysis and plan generation

[0190] (Input) The server sends the stored financial data to the AI ​​engine.

[0191] (Operation) The AI ​​engine receives financial data and calculates the balance of income and expenditures. Specifically, it calculates the difference between income and expenses, and calculates the amount available for savings and investments.

[0192] (How it works) The AI ​​engine analyzes market data and trends to generate optimal investment strategies and savings plans for users.

[0193] (Output) The AI ​​engine returns the analysis results to the server.

[0194] (Operation) The server receives the results from the AI ​​engine and generates a customized plan for the user.

[0195] (Output) Send the generated plan to the device.

[0196] Step 4: Advising and educational resources

[0197] (Operation) The device displays the customized plan to the user.

[0198] (Input) The user confirms the plan details.

[0199] (Operation) The server searches for and selects educational resources relevant to the user's financial situation.

[0200] (Output) The device displays the selected educational resources to the user, specifically presenting links and materials in a user-friendly format.

[0201] (Input) Users refer to these resources and learn specific actions.

[0202] Step 5: Regularly review and update

[0203] (Operation) The server periodically recollects market data and the user's latest financial information, and if necessary, notifies the user to enter updated information.

[0204] (Input) The user inputs the recommended data to update their current financial information.

[0205] (Operation) The server sends the new data to the AI ​​engine and performs reanalysis.

[0206] (How it works) The AI ​​engine recalculates the plan based on new data, specifically by reflecting the latest income, expenditure, and investment data and recalculating an optimized plan.

[0207] (Output) The AI ​​engine returns the reanalysis results to the server.

[0208] (Operation) The server updates the plan based on the latest analysis results and sends it to the terminal.

[0209] (Output) The terminal notifies and displays the latest plans and advice to the user.

[0210] (Input) The user reviews the notification and readjusts their financial strategy as needed.

[0211] (Application example 1)

[0212] 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."

[0213] Conventional financial planning systems require users to manually input data, making it difficult to analyze data or provide advice in real time. Additionally, there was a lack of means to properly manage and securely collect users' electronic payment data, which led to problems with the accuracy of financial plans. It was also difficult for users to come up with specific savings strategies to achieve their big future goals. To solve these issues, a system was needed that could securely collect and analyze users' electronic payment data in real time and instantly present income and expenditure balances and investment strategies.

[0214] 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.

[0215] In this invention, the server includes means for collecting a user's financial data, means for analyzing the collected financial data and generating a customized financial plan for the user, means for acquiring and securely transmitting electronic payment data in real time, means for providing the generated financial plan to the user, means for analyzing the user's financial transactions and immediately presenting income and expenditure balances and investment strategies, means for periodically updating market data and the user's financial data for use in the next analysis, means for ensuring the security of all data used in the above means, and means for generating a savings strategy for the user to achieve major future goals. This allows the user to have their financial data analyzed in real time every time they make an electronic payment, and to immediately receive customized advice and savings strategies.

[0216] "Your Financial Data" means information relating to the financial situation of an individual or entity, including income, expenses, assets, liabilities, and investments.

[0217] "Means for collection" refers to the function or device for acquiring financial data entered by users and incorporating it into the system.

[0218] "Analyze" refers to analyzing collected data using statistical or algorithmic methods to identify specific patterns or trends.

[0219] "Customized Financial Plan" means individually tailored financial strategies and advice created based on a specific user's financial situation and goals.

[0220] "Electronic Payment Data" means a record of payments made electronically by a User, including the purchase amount, transaction location, and category.

[0221] "Real-time" refers to processing or providing data immediately with a very short time delay.

[0222] "Secure transmission means" means a function or device for securely transferring data using encryption or other security techniques.

[0223] "Income and expenditure balance" represents the difference between a user's income and expenses, and is an indicator of financial soundness.

[0224] An "investment strategy" is a policy or plan for how to manage assets.

[0225] "Market data" refers to various indicators and data related to financial markets, such as stock prices, exchange rates, and interest rates.

[0226] A "periodic updating means" is a function or device for collecting the latest data at regular time intervals and replacing existing data with new information.

[0227] "Data security measures" are techniques and measures used to protect the confidentiality, integrity, and availability of data.

[0228] A "savings strategy" is a plan or policy for efficiently accumulating assets for future purposes.

[0229] The AI-driven financial planning system of the present invention allows users to securely share their financial situation and receive customized financial advice in real time. A specific embodiment of this system is described below.

[0230] System Configuration

[0231] The system mainly consists of the following components:

[0232] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[0233] 2. Server: A central processing unit that receives data from users, analyzes it using an AI engine, and returns the results to the user. A cloud environment such as AWS is used.

[0234] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan. It uses Python and TensorFlow.

[0235] 4. Database: A storage system that stores encrypted user financial and market data. Examples include RDS and DynamoDB.

[0236] 5. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[0237] Program processing procedure

[0238] 1. Initial Setup and User Authentication

[0239] When the user's device is used for the first time, a user registration form is displayed, and the user enters the necessary information to register.

[0240] The server encrypts the entered information and stores it securely. When logging in, it authenticates the user and generates a security token, which is then sent back to the user.

[0241] 2. Information gathering and data entry

[0242] The user terminal provides forms for inputting financial information (income, expenses, assets, liabilities, investments, etc.) and electronic payment data from the user, as well as automatic transaction recording functions.

[0243] Users enter the required information, and the app automatically collects it each time a transaction occurs.

[0244] 3. Data analysis and plan generation

[0245] The server sends the collected data to the AI ​​engine for analysis.

[0246] The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends.

[0247] 4. Advising and Educational Resources

[0248] The server, along with the generated plan, selects relevant financial education resources for the user.

[0249] The user device displays customized plans and educational resources for the user.

[0250] 5. Regular review and updates

[0251] The server periodically recollects and reanalyzes market data and the user's latest financial information.

[0252] The AI ​​engine will review the plan based on the new data and use it for the next update.

[0253] The user device will notify the user of the latest information and revisions.

[0254] Specific examples

[0255] For example, if a user wants to make a financial plan for purchasing a home in the future, they can use the system by following the steps below.

[0256] 1. Initial Setup and User Authentication

[0257] Users sign up to the system and register by entering their credentials.

[0258] The server encrypts the information entered and stores it in a database, allowing the user to log into the system.

[0259] 2. Information gathering and data entry

[0260] Users enter financial information such as income, monthly expenses, current savings and loan balances, and the data is automatically collected when making electronic payments.

[0261] The user's device collects this information and sends it to the server, which stores the data in a database.

[0262] 3. Data analysis and plan generation

[0263] The server sends the collected data to the AI ​​engine and begins analysis.

[0264] The AI ​​engine generates optimal savings and investment strategies based on the user's financial situation and suggests steps to achieve future goals.

[0265] The server stores the analysis results and sends them to the user's device.

[0266] 4. Advising and Educational Resources

[0267] The user terminal displays the user's customized plan and related financial education resources.

[0268] 5. Regular review and updates

[0269] Every month, the server reanalyzes market data and the user's latest financial information and reviews the plan.

[0270] The user device will notify the user of the latest information and advice.

[0271] Example prompts to input to the generative AI model

[0272] "Update your savings plan with the following transaction information: Purchase amount=$5,000, Category=Groceries, Transaction date=2023-10-01."

[0273] "Calculate how far users are in reaching their goals and provide up-to-date advice."

[0274] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0275] Step 1:

[0276] The user launches the smartphone app for the first time and performs initial setup and user authentication. The user enters their account information (email address, password, etc.) and clicks the send button. The device encrypts the entered information and sends it to the server. The server stores the received data in a database and generates and returns a security token to the user. This allows the user to log in to the system securely.

[0277] Input: User account information (email address, password)

[0278] Output: Security token

[0279] Step 2:

[0280] The app uses a form for users to enter financial information such as income, expenses, assets, liabilities, and investments. In addition, every time a user makes an electronic payment, the transaction data (purchase amount, transaction location, and category) is automatically recorded in the app. The device collects this financial information and electronic payment data, encrypts it, and sends it to a server. The server stores the received data in a database.

[0281] Input: User's financial information, electronic payment data

[0282] Output: Encrypted financial data

[0283] Step 3:

[0284] The server sends the stored financial data to an AI engine, which then begins analyzing the data. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans based on market data and trends. The analysis results are then sent back to the server, which then generates plans to provide to users.

[0285] Input: Financial data, electronic payment data, market data

[0286] Output: Customized financial plan

[0287] Step 4:

[0288] The server generates a financial plan and selects related financial education resources. This information is encrypted and sent to the device. The user's device displays the plan and educational resources to the user. The user confirms the information and receives instructions for implementation.

[0289] Input: Customized financial plans, financial education resources

[0290] Output: Plans and educational resources displayed to the user

[0291] Step 5:

[0292] The server periodically recollects and reanalyzes the latest market data and the user's latest financial information. Based on the new data, the AI ​​engine revises the plan and reflects it in the next update. The user's device notifies the user of these updates and revisions. The user can check the notifications and readjust their financial strategy as necessary.

[0293] Input: Latest market data, latest financial information for users

[0294] Output: Revised financial plan, notify user

[0295] Example prompts to input to the generative AI model

[0296] "Update your savings plan with the following transaction information: Purchase amount=$5,000, Category=Groceries, Transaction date=2023-10-01."

[0297] "Calculate how far users are in reaching their goals and provide up-to-date advice."

[0298] 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.

[0299] The AI-driven financial planning system incorporating the emotion engine of the present invention recognizes the user's emotional state and provides customized financial advice based on that. An embodiment of this system will be described in detail below.

[0300] System Configuration

[0301] The system mainly consists of the following components:

[0302] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[0303] 2. Server: A central processing unit that receives data from users, analyzes it using the AI ​​engine and emotion engine, and returns the results to the users.

[0304] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[0305] 4. Sentiment Engine: A software component that analyzes user sentiment and tailors financial advice accordingly.

[0306] 5. Database: A storage system that encrypts and stores users' financial, market, and sentiment data.

[0307] 6. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[0308] Program processing procedure

[0309] 1. Initial Setup and User Authentication

[0310] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[0311] 2. Information gathering and data entry

[0312] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[0313] 3. Emotional Data Collection and Analysis

[0314] The device provides an interface to obtain the user's emotional state (e.g., facial recognition camera, voice analysis, text analysis, etc.).

[0315] The user provides emotion data while performing normal operations.

[0316] The server receives the emotion data and sends it to the emotion engine, which analyzes the user's emotional state and stores the results in a database.

[0317] 4. Data analysis and plan generation

[0318] The server sends the stored financial and emotional data to the AI ​​engine and begins analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The emotional engine adjusts the advice it provides based on the emotional data. The server receives the analysis results, generates plans to provide to users, and sends them to the device.

[0319] 5. Advising and Educational Resources

[0320] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[0321] 6. Periodic review and updates

[0322] The server periodically recollects and reanalyzes market data and the user's latest financial and sentiment data. The AI ​​engine and sentiment engine revise the plan based on the new data and use it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[0323] Specific examples

[0324] Let's assume that a user (Mr. Yamada) wants to use this system to prepare funds for his or her child's future education.

[0325] 1. Initial Setup and User Authentication

[0326] Yamada (user) signs up to the system and registers by entering his authentication information.

[0327] The server encrypts the input information and stores it in a database, allowing Yamada to log in to the system.

[0328] 2. Information gathering and data entry

[0329] Yamada (the user) enters financial information such as income, monthly expenses, current savings, and loan balance.

[0330] The device collects this information and sends it to a server, which stores the data in a database.

[0331] 3. Emotional Data Collection and Analysis

[0332] The device provides an interface for collecting Yamada's emotional state (using a facial recognition camera).

[0333] Yamada (user) continues to operate normally. The server collects emotion data and sends it to the emotion engine.

[0334] The emotion engine analyzes Yamada's emotional state and stores the results in a database.

[0335] 4. Data analysis and plan generation

[0336] The server sends the collected data to the AI ​​engine and begins analysis.

[0337] The AI ​​engine generates the optimal education savings plan based on Yamada's financial situation.

[0338] The emotion engine adjusts advice based on Yamada's emotions.

[0339] The server stores the analysis results in a database and sends them to the terminal.

[0340] 5. Advising and Educational Resources

[0341] The device displays Yamada's customized plan and related financial education resources.

[0342] Yamada (the user) reviews the presented plan and obtains information to put it into action.

[0343] 6. Periodic review and updates

[0344] Every month, the server reanalyzes market data and Yamada's latest financial and emotional information and reviews the plan.

[0345] The device will notify Yamada of the latest information and advice.

[0346] Yamada (the user) checks the notification and readjusts his financial strategy as needed.

[0347] The above is a description of the specific embodiment and program processing for implementing the present invention. This system allows users to efficiently and safely manage their own financial information, and not only to create a financial plan that is optimal for them, but also to receive flexible advice tailored to their emotional state.

[0348] The processing flow will be explained below.

[0349] Step 1:

[0350] The device will display a new user registration form, prompting the user to enter information such as name, email address, and password.

[0351] The user enters the necessary information and clicks the registration button.

[0352] The server receives the input information, hashes the password, stores it in the database, and sends a registration completion email to the user.

[0353] Step 2:

[0354] The device displays a login form and prompts the user to enter their email address and password.

[0355] The user enters their login information and clicks the login button.

[0356] The server receives the input and checks it against the hashed password in its database. If there is a match, it generates a security token and sends it back to the user.

[0357] Step 3:

[0358] The device displays a form for entering information such as income, expenses, assets, liabilities, and investments.

[0359] The user enters their financial information into the form and clicks the submit button.

[0360] The server receives the entered data and stores it in a database.

[0361] Step 4:

[0362] The device displays a form for entering financial goals (such as buying a home, saving for your children's education, or saving for retirement).

[0363] The user enters the goal and clicks the submit button.

[0364] The server receives the target data and stores it in a database.

[0365] Step 5:

[0366] The device provides an interface to obtain the user's emotional state (e.g., facial recognition camera, voice analysis, text analysis, etc.).

[0367] The user provides emotion data while performing normal operations.

[0368] The server receives the emotion data and sends it to the emotion engine, which analyzes the user's emotional state and stores the results in a database.

[0369] Step 6:

[0370] The server sends the saved data to the AI ​​engine and begins analysis.

[0371] Based on the data entered, the AI ​​engine calculates income and expenditure balances, assesses the user's financial situation, and incorporates market data and trends to generate optimal investment strategies and savings plans.

[0372] The emotion engine tailors the advice it provides based on the user's emotional data.

[0373] The server receives the analysis results and stores them in a database.

[0374] Step 7:

[0375] The server generates a customized financial plan based on the analysis results.

[0376] The terminal provides an interface for displaying the plan to the user.

[0377] Step 8:

[0378] The server sends the generated plan to the user's interface and also selects relevant educational resources to improve the user's financial literacy.

[0379] The device displays customized plans and educational resources to the user.

[0380] The user reviews the information presented and begins to act based on the advice.

[0381] Step 9:

[0382] Users can check the plan details and use the inquiry function if they have any questions or concerns.

[0383] The device accepts inquiries from users and transfers them to a chatbot or customer support.

[0384] The server analyzes the user's inquiry and provides an appropriate answer.

[0385] Step 10:

[0386] The server periodically recollects users' financial information, market data, and sentiment data and stores them in a database.

[0387] The AI ​​engine will re-analyze the plan based on the latest data and revise it.

[0388] The emotion engine also analyzes new emotion data and adjusts its advice accordingly.

[0389] The server generates updated plans and advice based on the latest analysis results.

[0390] The device will notify the user of the latest information and revisions.

[0391] Users can review the notifications and readjust their financial strategies as needed.

[0392] Example 2

[0393] 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."

[0394] Conventional financial planning systems focus on collecting and analyzing users' financial data, but have the problem of being unable to take into account the user's emotional state. This can result in advice being provided that ignores the user's emotional state, reducing the effectiveness of financial planning. Furthermore, measures to ensure data security can be incomplete, making it difficult to gain user trust.

[0395] 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.

[0396] In this invention, the server includes means for collecting a user's financial data, means for analyzing the collected financial data and generating a financial plan customized for the user, means for collecting and analyzing the user's emotional state, means for adjusting the financial plan based on the emotional state, means for providing the generated financial plan to the user, means for periodically updating market data and the user's financial data for use in the next analysis, and means for ensuring the security of all data used in the above means, thereby enabling the provision of a flexible and secure financial plan that takes the user's emotional state into consideration.

[0397] "Your Financial Data" means data detailing your financial situation, including your income, expenses, assets, liabilities, and investments.

[0398] "Customized Financial Plan" refers to an optimal investment strategy or savings plan generated based on a user's individual financial data and emotional state.

[0399] "Means for collecting emotional states" refers to interfaces for detecting emotional states, such as facial recognition cameras, voice analysis, and text analysis.

[0400] "Means for analyzing emotional state" refers to algorithms or software that analyze the collected emotional data and identify the user's current emotional state.

[0401] "Means for adjusting the financial plan" refers to a system component for optimizing the content of the financial plan generated based on the emotional data to match the user's emotional state.

[0402] "Market Data" means current market conditions and economic data used to generate and adjust your financial plan.

[0403] "Security measures" refers to encryption technologies and access control mechanisms to ensure the confidentiality and security of all data collected and stored.

[0404] "Financial education resources" refers to information, educational materials, websites, e-books, etc. provided to help users deepen their financial knowledge.

[0405] "Chatbots or customer support tools" refers to automated programs that respond to user inquiries or human staff that provide customer service.

[0406] The AI-driven financial planning system incorporating the emotion engine of the present invention recognizes the user's emotional state and provides customized financial advice based on that. An embodiment of this system will be described in detail below.

[0407] The system mainly consists of the following components:

[0408] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[0409] 2. Server: A central processing unit that receives data from users, analyzes it using the AI ​​engine and emotion engine, and returns the results to the users.

[0410] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[0411] 4. Sentiment Engine: A software component that analyzes user sentiment and tailors financial advice accordingly.

[0412] 5. Database: A storage system that encrypts and stores users' financial, market, and sentiment data.

[0413] 6. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[0414] Initial Setup and User Authentication

[0415] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[0416] Information gathering and data entry

[0417] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[0418] Emotion data collection and analysis

[0419] The device provides an interface to acquire the user's emotional state (e.g., face recognition camera, voice analysis, text analysis, etc.). The user provides emotional data while performing normal operations. The server receives the emotional data and sends it to the emotion engine. The emotion engine analyzes the user's emotional state and stores the results in a database.

[0420] Data analysis and plan generation

[0421] The server sends the stored financial and emotional data to the AI ​​engine and begins analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The emotional engine adjusts the advice it provides based on the emotional data. The server receives the analysis results, generates plans to provide to users, and sends them to the device.

[0422] Advising and Educational Resources

[0423] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[0424] Regular review and updates

[0425] The server periodically recollects and reanalyzes market data and the user's latest financial and sentiment data. The AI ​​engine and sentiment engine revise the plan based on the new data and use it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[0426] Specific examples

[0427] Let's assume that a user wants to use this system to prepare funds for their child's future education.

[0428] Initial Setup and User Authentication

[0429] Users sign up to the system and register by entering their credentials.

[0430] The server encrypts the information entered and stores it in a database, allowing the user to log into the system.

[0431] Information gathering and data entry

[0432] Users enter financial information such as income, monthly expenses, current savings, and loan balances.

[0433] The device collects this information and sends it to a server, which stores the data in a database.

[0434] Emotion data collection and analysis

[0435] The device provides an interface to collect the user's emotional state (e.g., using a facial recognition camera).

[0436] The user continues to operate normally. The server collects emotion data and sends it to the emotion engine.

[0437] The emotion engine analyzes the user's emotional state and stores the results in a database.

[0438] Data analysis and plan generation

[0439] The server sends the collected data to the AI ​​engine and begins analysis.

[0440] The AI ​​engine generates the optimal education savings plan based on the user's financial situation.

[0441] The emotion engine tailors advice based on the user's emotions.

[0442] The server stores the analysis results in a database and sends them to the terminal.

[0443] Advising and Educational Resources

[0444] The device displays a customized plan and related financial education resources to the user.

[0445] Users can review the presented plan and get the information they need to put it into action.

[0446] Regular review and updates

[0447] Every month, the server reanalyzes market data and users' latest financial and sentiment data and reviews the plan.

[0448] The device will notify the user of the latest information and advice.

[0449] Users can review the notifications and readjust their financial strategies as needed.

[0450] Prompt Sentence Examples

[0451] "You input the user's financial information and then generate a customized financial plan based on the analysis of the sentiment and AI engines, taking into account the user's emotional data."

[0452] This system not only enables users to efficiently and securely manage their financial information and create the financial plan that best suits them, but also allows them to receive flexible advice tailored to their emotional state.

[0453] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0454] Step 1:

[0455] Initial Setup and User Authentication

[0456] Specific behavior:

[0457] The terminal displays a new user registration form.

[0458] The user enters the required information (e.g., name, email address, password) and submits.

[0459] The server receives the entered information, encrypts it, stores it in a database, and generates a security token that is sent back to the user.

[0460] Input and Output:

[0461] Input: User registration information (name, email address, password).

[0462] Output: Encrypted user information and a security token.

[0463] Step 2:

[0464] Information gathering and data entry

[0465] Specific behavior:

[0466] The terminal displays a form for entering financial information.

[0467] Users enter financial information such as income, monthly expenses, current savings, and loan balances.

[0468] The terminal transmits the entered financial data to the server.

[0469] The server stores the received data in a database.

[0470] Input and Output:

[0471] Input: Your financial information (income, expenses, assets, liabilities, investments, etc.).

[0472] Output: Financial information stored in a database.

[0473] Step 3:

[0474] Emotion data collection and analysis

[0475] Specific behavior:

[0476] The device activates an emotion data collection interface (facial recognition camera, voice analysis, text analysis, etc.).

[0477] The user continues to operate and provides emotional data.

[0478] The server receives the emotion data and sends it to the emotion engine.

[0479] The emotion engine analyzes the emotion data and stores the results in a database.

[0480] Input and Output:

[0481] Input: Emotion data (results of facial recognition, speech analysis, and text analysis).

[0482] Output: Parsed emotional state data.

[0483] Step 4:

[0484] Data analysis and plan generation

[0485] Specific behavior:

[0486] The server sends the stored financial and emotional data to the AI ​​engine and begins analysis.

[0487] The AI ​​engine calculates balances and uses market data and trends to generate optimal investment strategies and savings plans.

[0488] The emotion engine tailors advice based on emotion data.

[0489] The server receives the analysis results, generates a plan to provide to the user, and sends it to the terminal.

[0490] Input and Output:

[0491] Input: User financial data, sentiment data, market data.

[0492] Output: A customized financial plan.

[0493] Step 5:

[0494] Advising and Educational Resources

[0495] Specific behavior:

[0496] The server, along with the generated plan, selects relevant financial education resources for the user.

[0497] The device displays customized plans and educational resources for the user.

[0498] The user reviews the information presented and begins to act on the advice.

[0499] Input and Output:

[0500] Input: customized financial plans, educational resources.

[0501] Output: The plans and educational resources that are displayed to the user.

[0502] Step 6:

[0503] Regular review and updates

[0504] Specific behavior:

[0505] The server periodically recollects and reanalyzes market data and users' latest financial and sentiment information.

[0506] AI and emotion engines revise plans based on new data.

[0507] The server notifies the terminal of the review results.

[0508] Users can review the notifications and readjust their financial strategies as needed.

[0509] Input and Output:

[0510] Inputs: Market data, latest financial information, sentiment data.

[0511] Output:Reviewed financial plan, notification.

[0512] (Application example 2)

[0513] 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."

[0514] Conventional financial planning systems can only provide financial advice based on a user's rigid financial information. This makes it difficult to provide flexible, personalized advice that takes into account the user's emotional state. Furthermore, there are also insufficient systems equipped with financial education resources and inquiry response functions based on the user's emotional state. This invention solves these problems and provides a system that provides financial planning that is more tailored to the user.

[0515] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[0516] In this invention, the server includes means for collecting a user's financial data, means for analyzing the collected financial data and generating a financial plan customized for the user, means for recognizing the user's emotional state and customizing financial advice based on the emotional state, means for providing the generated financial plan to the user, means for periodically updating market data and the user's financial data for use in the next analysis, and means for ensuring the security of all data used in the above means, thereby enabling financial planning and flexible advice that takes the user's emotional state into account.

[0517] A "means for collecting user financial data" is any device or software that receives information entered by a user about income, expenses, assets, liabilities, and investments.

[0518] A "means for generating a customized financial plan" is a device or software that analyzes collected financial data and creates an optimal financial strategy or savings plan tailored to the individual circumstances of each user.

[0519] "Means for recognizing the user's emotional state" refers to a device or software that uses a device such as a camera or microphone to identify emotions from the user's facial expressions and voice.

[0520] A "means for customizing financial advice based on emotions" is a device or software for providing the most appropriate financial advice to a user based on recognized emotional data.

[0521] A "means for providing a generated financial plan to a user" is a device or software for displaying or notifying a user of a generated financial plan.

[0522] "Means for regularly updating market data and user financial data" refers to devices or software that obtain the latest market trends and new financial information for users at any time and keep the data in the system up to date.

[0523] "Data security measures" are devices or software that ensure that collected and stored data is protected from unauthorized access or disclosure.

[0524] A "means for providing financial education resources" is a device or software that displays or provides educational materials or content that enables users to learn financial knowledge.

[0525] "Automated response system or support team means" means a device or software that provides an automated response system or a mechanism for human operators to respond to user inquiries.

[0526] The present invention relates to an AI-driven financial planning system that recognizes a user's emotional state and provides emotion-based customized financial advice. The system consists of the following components:

[0527] 1. User Device

[0528] The user device is typically a smartphone, tablet, or PC, and provides an interface for users to input their financial information and receive customized financial plans and advice. It can also capture the user's emotional state using a camera or microphone.

[0529] 2. Server

[0530] The server is a central processing unit that receives financial and sentiment data sent by users and analyzes them using the AI ​​engine and sentiment engine. It is also responsible for data storage, security management, and market data updates.

[0531] 3. AI Engine

[0532] The AI ​​engine is a software component that analyzes collected financial data and generates optimal financial plans for users. It calculates income and expenditure balances and provides investment strategies and savings plans tailored to users based on market data.

[0533] 4. Emotion Engine

[0534] The emotion engine is a software component that analyzes users' emotional data and customizes financial advice based on the results. It uses facial recognition cameras, voice analysis software, and text analysis software to recognize users' emotions.

[0535] 5. Database

[0536] The database is a storage system that encrypts and stores users' financial data, sentiment data, and market data, allowing for data management while maintaining high security.

[0537] 6. Chatbots and Customer Support

[0538] Chatbots and customer support are automated response systems and support teams that respond to user inquiries and concerns, allowing users to receive prompt and appropriate support.

[0539] Program processing

[0540] The server sends the financial and emotional data collected from users to the AI ​​engine and the emotion engine for data analysis, and periodically updates market data and users' financial data to keep the information in the database up to date.

[0541] The AI ​​engine calculates the user's balance and generates an optimal financial plan based on market data and trends, while the emotion engine adjusts the advice provided based on the user's emotional data.

[0542] The device provides users with a customized financial plan based on the analysis results, and also displays financial education resources to help users acquire appropriate financial knowledge.

[0543] Specific examples

[0544] For example, let's say a user (let's call him User A) wants to use this system to prepare for future education expenses. User A enters financial information such as income, monthly expenses, and current savings into the terminal. The system then obtains User A's emotional state in real time and analyzes it using the emotion engine.

[0545] As a result, an optimal educational savings plan based on User A's financial situation and emotional state is generated and displayed on User A's device. Appropriate financial education resources are also provided to User A, allowing him or her to deepen his or her understanding.

[0546] Example prompts to input to the generative AI model

[0547] An example prompt for User A would be:

[0548] User A's financial situation:

[0549] Annual income: 5 million yen

[0550] Monthly expenses: 200,000 yen

[0551] Savings: 1 million yen

[0552] Emotional state: Happy

[0553] Based on this prompt, the system can generate and provide optimal advice and financial plans.

[0554] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0555] Step 1:

[0556] The server receives financial data entered by the user into the terminal. The entered financial data includes details about income, expenses, assets, liabilities, and investments. This data is encrypted and stored in a database, using encryption technology to ensure data integrity and confidentiality. As an output, the financial data is securely stored in the database.

[0557] Step 2:

[0558] The user's emotional state is acquired through the device. This process involves using camera and microphone hardware for facial recognition and voice analysis. For example, a facial recognition camera is used to capture the user's facial expressions in real time. This captured data is analyzed by emotion recognition software to identify the user's emotional state. The acquired emotion data is sent to a server and stored in a database. As an output, the user's emotional state is accurately recognized.

[0559] Step 3:

[0560] The server sends the collected financial data and emotional data to the AI ​​engine and the emotion engine. First, the collected financial data is analyzed by the AI ​​engine. The AI ​​engine calculates income and expenditure balances, proposes investment strategies, and generates savings plans. Next, the emotion data is analyzed by the emotion engine, which adjusts financial advice based on the user's emotional state. The input is financial data and emotional data, and the output is a customized financial plan and adjusted advice.

[0561] Step 4:

[0562] The server sends the generated customized financial plan and advice to the terminal. The terminal displays this information to the user. The user can decide on their next action based on the displayed plan and advice. Specifically, the details of the financial plan are displayed on the screen and links to related financial education resources are provided. The input is the customized financial plan and advice, and the output is the content presented to the user.

[0563] Step 5:

[0564] The server periodically recollects market data and the user's latest financial information and sentiment data to update the database. This includes obtaining market data from external data sources and inputting new financial information from the user. The updated data is again analyzed by the AI ​​engine and sentiment engine to generate the latest financial plan and advice. Specifically, the information in the database is automatically updated and new advice is notified to the user. The input is the latest market data and the user's financial information, and the output is the updated financial plan and advice.

[0565] Step 6:

[0566] The device notifies the user of the updated customized financial plan and advice. The user receives the notification and makes adjustments based on the new financial plan. As a specific example, the device's notification function pushes the latest information to the user, allowing the user to review their financial strategy based on that information. The input is the notification of the updated financial plan and advice, and the output is the user's confirmation and adaptive behavior.

[0567] As a concrete example, the prompt sentence for entering User A's information into the system again and receiving new advice from the AI ​​engine and emotion engine is as follows:

[0568] User A's financial situation:

[0569] Annual income: 5 million yen

[0570] Monthly expenses: 200,000 yen

[0571] Savings: 1 million yen

[0572] Emotional state: Happy

[0573] 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.

[0574] 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.

[0575] 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.

[0576] [Second embodiment]

[0577] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0578] 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.

[0579] 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).

[0580] 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.

[0581] 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.

[0582] 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).

[0583] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 are responsible for the exchange of various information between the processor 46 and the processor 28 via the network 54. The exchange of various information between the processor 46 and the processor 28 using the communication I / Fs 44 and 26 is carried out in a secure state.

[0584] 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.

[0585] 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.

[0586] 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.

[0587] In the smart glasses 214, the reception output process is performed by the processor 46. A reception output program 60 is stored in the storage 50. The processor 46 reads the reception output program 60 from the storage 50 and executes the read reception output program 60 on the RAM 48. The reception output process is realized by the processor 46 operating as the control unit 46A in accordance with the reception output program 60 executed on the RAM 48.

[0588] 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."

[0589] The AI-driven financial planning system of the present invention allows users to share their financial situation in a secure environment and receive customized financial advice. An embodiment of this system is described in detail below.

[0590] System Configuration

[0591] The system mainly consists of the following components:

[0592] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[0593] 2. Server: A central processing unit that receives data from users, analyzes it using an AI engine, and returns the results to the users.

[0594] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[0595] 4. Database: A storage system that encrypts and stores users' financial and market data.

[0596] 5. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[0597] Program processing procedure

[0598] 1. Initial Setup and User Authentication

[0599] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[0600] 2. Information gathering and data entry

[0601] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[0602] 3. Data analysis and plan generation

[0603] The server sends the stored data to an AI engine for analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The server receives the analysis results, generates plans to provide to users, and sends them to their devices.

[0604] 4. Advising and Educational Resources

[0605] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[0606] 5. Regular review and updates

[0607] The server periodically recollects and reanalyzes market data and the user's latest financial information. The AI ​​engine revises the plan based on the new data and uses it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[0608] Specific examples

[0609] Let's assume that a user (Mr. Sato) wants to use this system to make financial plans for purchasing a home in the future.

[0610] 1. Initial Setup and User Authentication

[0611] Mr. Sato (user) signs up to the system and registers by entering his authentication information.

[0612] The server encrypts the input information and stores it in a database, allowing Mr. Sato to log in to the system.

[0613] 2. Information gathering and data entry

[0614] Mr. Sato (the user) enters financial information such as income, monthly expenses, current savings, and loan balance.

[0615] The device collects this information and sends it to a server, which stores the data in a database.

[0616] 3. Data analysis and plan generation

[0617] The server sends the collected data to the AI ​​engine and begins analysis.

[0618] The AI ​​engine generates an optimal savings and investment strategy based on Sato's financial situation and suggests steps to achieve his future goals.

[0619] The server stores the analysis results and sends them to the device.

[0620] 4. Advising and Educational Resources

[0621] The device displays a customized plan and related financial education resources for Mr. Sato.

[0622] Mr. Sato (user) reviews the presented plan and obtains information to put it into action.

[0623] 5. Regular review and updates

[0624] Every month, the server reanalyzes market data and Sato's latest financial information and reviews the plan.

[0625] The device will notify Sato of the latest information and advice.

[0626] Mr. Sato (the user) checks the notification and readjusts his financial strategy as necessary.

[0627] The above is a description of the specific embodiment and program processing for implementing the present invention. This system allows users to efficiently and safely manage their own financial information and create the most suitable financial plan for themselves.

[0628] The processing flow will be explained below.

[0629] Step 1:

[0630] The device will display a new user registration form, prompting the user to enter information such as name, email address, and password.

[0631] The user enters the necessary information and clicks the registration button.

[0632] The server receives the input information, hashes the password, stores it in the database, and sends a registration completion email.

[0633] Step 2:

[0634] The device displays a login form and prompts the user to enter their email address and password.

[0635] The user enters their login information and clicks the login button.

[0636] The server receives the input and checks it against the hashed password in its database. If there is a match, it generates a security token and sends it back to the user.

[0637] Step 3:

[0638] The device displays a form for entering information such as income, expenses, assets, liabilities, and investments.

[0639] The user enters their financial information into the form and clicks the submit button.

[0640] The server receives the entered data and stores it in a database.

[0641] Step 4:

[0642] The device displays a form for entering financial goals (such as buying a home, saving for your children's education, or saving for retirement).

[0643] The user enters the goal and clicks the submit button.

[0644] The server receives the target data and stores it in a database.

[0645] Step 5:

[0646] The server sends the saved data to the AI ​​engine and begins analysis.

[0647] Based on the data entered, the AI ​​engine calculates income and expenditure balances, assesses the user's financial situation, and incorporates market data and trends to generate optimal investment strategies and savings plans.

[0648] The server receives the analysis results and stores them in a database.

[0649] Step 6:

[0650] The server generates a customized financial plan based on the analysis results.

[0651] The terminal provides an interface for displaying the plan to the user.

[0652] Step 7:

[0653] The server sends the generated plan to the user's interface and also selects relevant educational resources to improve the user's financial literacy.

[0654] The device displays customized plans and educational resources to the user.

[0655] The user reviews the information presented and begins to act based on the advice.

[0656] Step 8:

[0657] Users can check the plan details and use the inquiry function if they have any questions or concerns.

[0658] The device accepts inquiries from users and transfers them to a chatbot or customer support.

[0659] The server analyzes the user's inquiry and provides an appropriate answer.

[0660] Step 9:

[0661] The server periodically recollects the user's financial information and market data and stores it in a database.

[0662] The AI ​​engine will re-analyze the plan based on the latest data and revise it.

[0663] The server generates updated plans and advice based on the latest analysis results.

[0664] The device will notify the user of the latest information and revisions.

[0665] Users can review the notifications and readjust their financial strategies as needed.

[0666] Example 1

[0667] 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."

[0668] Conventional financial planning systems lacked sufficient seamlessness in collecting and analyzing users' financial data, providing customized plans, and regularly updating data, making it difficult to provide advice and educational resources tailored to users' financial situations. Furthermore, the security of users' financial data was insufficient, making protecting user privacy a challenge. Furthermore, there was a lack of a means for users to respond quickly and appropriately to inquiries or questions about the system.

[0669] 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.

[0670] In this invention, the server includes means for collecting user authentication information and generating a security token, means for collecting user financial data, and means for storing and verifying the collected financial data in a database. This allows for the provision of a customized financial plan to the user while ensuring the security of the user's financial data. Furthermore, by including means for periodically updating the user's financial data with market data to be used for the next analysis, the latest advice tailored to the user's financial situation can be provided. Furthermore, by providing a chatbot or customer support means, it is possible to quickly and appropriately respond to user inquiries and questions.

[0671] "User authentication information" means data required for a user to access the system, including, for example, name, email address, and password.

[0672] A "security token" is a unique identifier generated to prevent unauthorized access to third parties and is used to secure communication between the system and the user after user authentication.

[0673] "Financial Data" means detailed information about your income, expenses, assets, liabilities and investments.

[0674] "Database" means a system for efficiently and securely storing collected User financial and market data.

[0675] A "financial plan" is a customized proposal that analyzes the user's financial situation and includes income and expenditure balance, investment strategies, savings plans, etc.

[0676] "Financial education resources" are materials and information sources that help users deepen their financial knowledge, including articles, videos, seminars, etc.

[0677] "Market Data" means information about current economic conditions and financial markets that is used to analyze and update the financial plans we provide to our users.

[0678] A "chatbot" is a program that automatically responds to inquiries from users and uses natural language processing technology to answer user questions.

[0679] "Customer support" refers to a service in which a human representative responds to inquiries and questions from users.

[0680] MODE FOR CARRYING OUT THE INVENTION

[0681] The AI-driven financial planning system of the present invention allows users to share their financial situation in a secure environment and receive customized financial advice. The system consists of a user terminal, a server, an AI engine, a database, a chatbot, and customer support.

[0682] System configuration

[0683] 1. User terminal: A device that provides an interface for users to input financial information and receive financial plans and advice. Examples include smartphones, tablets, and PCs.

[0684] 2. Server: A central processing unit that receives data from users, analyzes it using an AI engine, and returns the results to the users.

[0685] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[0686] 4. Database: A storage system that encrypts and stores users' financial and market data.

[0687] 5. Chatbots and customer support: An automated response system and support team that responds to user inquiries.

[0688] Program processing overview

[0689] Initial Setup and User Authentication

[0690] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[0691] Information gathering and data entry

[0692] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[0693] Data analysis and plan generation

[0694] The server sends the stored data to an AI engine for analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The server receives the analysis results, generates plans to provide to users, and sends them to their devices.

[0695] Advising and Educational Resources

[0696] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[0697] Regular review and updates

[0698] The server periodically recollects and reanalyzes market data and the user's latest financial information. The AI ​​engine revises the plan based on the new data and uses it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[0699] Specific examples

[0700] Let's assume that a user (let's call him "Mr. Sato") wants to use this system to make a financial plan for purchasing a home in the future.

[0701] 1. Initial Setup and User Authentication

[0702] Mr. Sato (user) signs up to the system and registers by entering his authentication information.

[0703] The server encrypts the input information and stores it in a database, allowing Mr. Sato to log in to the system.

[0704] 2. Information gathering and data entry

[0705] Mr. Sato (the user) enters financial information such as income, monthly expenses, current savings, and loan balance.

[0706] The device collects this information and sends it to a server, which stores the data in a database.

[0707] 3. Data analysis and plan generation

[0708] The server sends the collected data to the AI ​​engine and begins analysis.

[0709] The AI ​​engine generates an optimal savings and investment strategy based on Sato's financial situation and suggests steps to achieve his future goals.

[0710] The server stores the analysis results and sends them to the device.

[0711] 4. Advising and Educational Resources

[0712] The device displays a customized plan and related financial education resources for Mr. Sato.

[0713] Mr. Sato (user) reviews the presented plan and obtains information to put it into action.

[0714] 5. Regular review and updates

[0715] Every month, the server reanalyzes market data and Sato's latest financial information and reviews the plan.

[0716] The device will notify Sato of the latest information and advice.

[0717] Mr. Sato (the user) checks the notification and readjusts his financial strategy as necessary.

[0718] Prompt Sentence Examples

[0719] Your name is Sato. To help us create the best financial plan for your future home purchase, please enter the following financial information into our system:

[0720] 1. Monthly income: 300,000 yen

[0721] 2. Monthly expenses: 150,000 yen

[0722] 3. Current savings: 1 million yen

[0723] 4. Loan balance: 500,000 yen

[0724] Next, enter your target purchase date and home price range.

[0725] This system allows users to efficiently and securely manage their financial information and create the financial plan that best suits them.

[0726] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0727] Step 1: Initial Setup and User Authentication

[0728] (Works) The device displays a user registration form. Required fields include name, email address, and password.

[0729] (Input) The user enters this information and clicks the "Register" button.

[0730] (Operation) The terminal sends the input information to the server.

[0731] (Operation) The server encrypts the received information and stores it in a database along with a hashed password for user authentication.

[0732] (Action) If the registration is successful, the server sends a confirmation email to the user.

[0733] (Input) The user enters their email address and password into the login form and submits it.

[0734] (Output) The server receives the entered authentication information and checks it against its database. If authentication is successful, the server generates a security token and returns it to the terminal.

[0735] Step 2: Information gathering and data entry

[0736] (What it does) The terminal displays a form for entering financial information. Fields include income, expenses, assets, liabilities, and investments.

[0737] (Input) The user enters the required financial information into the form and clicks the "Submit" button.

[0738] (Operation) The terminal sends the input data to the server.

[0739] (Operation) The server validates the received data and checks for any invalid data.

[0740] (Output) After validation, the server saves the data to the database.

[0741] Step 3: Data analysis and plan generation

[0742] (Input) The server sends the stored financial data to the AI ​​engine.

[0743] (Operation) The AI ​​engine receives financial data and calculates the balance of income and expenditures. Specifically, it calculates the difference between income and expenses, and calculates the amount available for savings and investments.

[0744] (How it works) The AI ​​engine analyzes market data and trends to generate optimal investment strategies and savings plans for users.

[0745] (Output) The AI ​​engine returns the analysis results to the server.

[0746] (Operation) The server receives the results from the AI ​​engine and generates a customized plan for the user.

[0747] (Output) Send the generated plan to the device.

[0748] Step 4: Advising and educational resources

[0749] (Operation) The device displays the customized plan to the user.

[0750] (Input) The user confirms the plan details.

[0751] (Operation) The server searches for and selects educational resources relevant to the user's financial situation.

[0752] (Output) The device displays the selected educational resources to the user, specifically presenting links and materials in a user-friendly format.

[0753] (Input) Users refer to these resources and learn specific actions.

[0754] Step 5: Regularly review and update

[0755] (Operation) The server periodically recollects market data and the user's latest financial information, and if necessary, notifies the user to enter updated information.

[0756] (Input) The user inputs the recommended data to update their current financial information.

[0757] (Operation) The server sends the new data to the AI ​​engine and performs reanalysis.

[0758] (How it works) The AI ​​engine recalculates the plan based on new data, specifically by reflecting the latest income, expenditure, and investment data and recalculating an optimized plan.

[0759] (Output) The AI ​​engine returns the reanalysis results to the server.

[0760] (Operation) The server updates the plan based on the latest analysis results and sends it to the terminal.

[0761] (Output) The terminal notifies and displays the latest plans and advice to the user.

[0762] (Input) The user reviews the notification and readjusts their financial strategy as needed.

[0763] (Application example 1)

[0764] 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."

[0765] Conventional financial planning systems require users to manually input data, making it difficult to analyze data or provide advice in real time. Additionally, there was a lack of means to properly manage and securely collect users' electronic payment data, which led to problems with the accuracy of financial plans. It was also difficult for users to come up with specific savings strategies to achieve their big future goals. To solve these issues, a system was needed that could securely collect and analyze users' electronic payment data in real time and instantly present income and expenditure balances and investment strategies.

[0766] 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.

[0767] In this invention, the server includes means for collecting a user's financial data, means for analyzing the collected financial data and generating a customized financial plan for the user, means for acquiring and securely transmitting electronic payment data in real time, means for providing the generated financial plan to the user, means for analyzing the user's financial transactions and immediately presenting income and expenditure balances and investment strategies, means for periodically updating market data and the user's financial data for use in the next analysis, means for ensuring the security of all data used in the above means, and means for generating a savings strategy for the user to achieve major future goals. This allows the user to have their financial data analyzed in real time every time they make an electronic payment, and to immediately receive customized advice and savings strategies.

[0768] "Your Financial Data" means information relating to the financial situation of an individual or entity, including income, expenses, assets, liabilities, and investments.

[0769] "Means for collection" refers to the function or device for acquiring financial data entered by users and incorporating it into the system.

[0770] "Analyze" refers to analyzing collected data using statistical or algorithmic methods to identify specific patterns or trends.

[0771] "Customized Financial Plan" means individually tailored financial strategies and advice created based on a specific user's financial situation and goals.

[0772] "Electronic Payment Data" means a record of payments made electronically by a User, including the purchase amount, transaction location, and category.

[0773] "Real-time" refers to processing or providing data immediately with a very short time delay.

[0774] "Secure transmission means" means a function or device for securely transferring data using encryption or other security techniques.

[0775] "Income and expenditure balance" represents the difference between a user's income and expenses, and is an indicator of financial soundness.

[0776] An "investment strategy" is a policy or plan for how to manage assets.

[0777] "Market data" refers to various indicators and data related to financial markets, such as stock prices, exchange rates, and interest rates.

[0778] A "periodic updating means" is a function or device for collecting the latest data at regular time intervals and replacing existing data with new information.

[0779] "Data security measures" are techniques and measures used to protect the confidentiality, integrity, and availability of data.

[0780] A "savings strategy" is a plan or policy for efficiently accumulating assets for future purposes.

[0781] The AI-driven financial planning system of the present invention allows users to securely share their financial situation and receive customized financial advice in real time. A specific embodiment of this system is described below.

[0782] System Configuration

[0783] The system mainly consists of the following components:

[0784] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[0785] 2. Server: A central processing unit that receives data from users, analyzes it using an AI engine, and returns the results to the user. A cloud environment such as AWS is used.

[0786] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan. It uses Python and TensorFlow.

[0787] 4. Database: A storage system that stores encrypted user financial and market data. Examples include RDS and DynamoDB.

[0788] 5. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[0789] Program processing procedure

[0790] 1. Initial Setup and User Authentication

[0791] When the user's device is used for the first time, a user registration form is displayed, and the user enters the necessary information to register.

[0792] The server encrypts the entered information and stores it securely. When logging in, it authenticates the user and generates a security token, which is then sent back to the user.

[0793] 2. Information gathering and data entry

[0794] The user terminal provides forms for inputting financial information (income, expenses, assets, liabilities, investments, etc.) and electronic payment data from the user, as well as automatic transaction recording functions.

[0795] Users enter the required information, and the app automatically collects it each time a transaction occurs.

[0796] 3. Data analysis and plan generation

[0797] The server sends the collected data to the AI ​​engine for analysis.

[0798] The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends.

[0799] 4. Advising and Educational Resources

[0800] The server, along with the generated plan, selects relevant financial education resources for the user.

[0801] The user device displays customized plans and educational resources for the user.

[0802] 5. Regular review and updates

[0803] The server periodically recollects and reanalyzes market data and the user's latest financial information.

[0804] The AI ​​engine will review the plan based on the new data and use it for the next update.

[0805] The user device will notify the user of the latest information and revisions.

[0806] Specific examples

[0807] For example, if a user wants to make a financial plan for purchasing a home in the future, they can use the system by following the steps below.

[0808] 1. Initial Setup and User Authentication

[0809] Users sign up to the system and register by entering their credentials.

[0810] The server encrypts the information entered and stores it in a database, allowing the user to log into the system.

[0811] 2. Information gathering and data entry

[0812] Users enter financial information such as income, monthly expenses, current savings and loan balances, and the data is automatically collected when making electronic payments.

[0813] The user's device collects this information and sends it to the server, which stores the data in a database.

[0814] 3. Data analysis and plan generation

[0815] The server sends the collected data to the AI ​​engine and begins analysis.

[0816] The AI ​​engine generates optimal savings and investment strategies based on the user's financial situation and suggests steps to achieve future goals.

[0817] The server stores the analysis results and sends them to the user's device.

[0818] 4. Advising and Educational Resources

[0819] The user terminal displays the user's customized plan and related financial education resources.

[0820] 5. Regular review and updates

[0821] Every month, the server reanalyzes market data and the user's latest financial information and reviews the plan.

[0822] The user device will notify the user of the latest information and advice.

[0823] Example prompts to input to the generative AI model

[0824] "Update your savings plan with the following transaction information: Purchase amount=$5,000, Category=Groceries, Transaction date=2023-10-01."

[0825] "Calculate how far users are in reaching their goals and provide up-to-date advice."

[0826] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0827] Step 1:

[0828] The user launches the smartphone app for the first time and performs initial setup and user authentication. The user enters their account information (email address, password, etc.) and clicks the send button. The device encrypts the entered information and sends it to the server. The server stores the received data in a database and generates and returns a security token to the user. This allows the user to log in to the system securely.

[0829] Input: User account information (email address, password)

[0830] Output: Security token

[0831] Step 2:

[0832] The app uses a form for users to enter financial information such as income, expenses, assets, liabilities, and investments. In addition, every time a user makes an electronic payment, the transaction data (purchase amount, transaction location, and category) is automatically recorded in the app. The device collects this financial information and electronic payment data, encrypts it, and sends it to a server. The server stores the received data in a database.

[0833] Input: User's financial information, electronic payment data

[0834] Output: Encrypted financial data

[0835] Step 3:

[0836] The server sends the stored financial data to an AI engine, which then begins analyzing the data. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans based on market data and trends. The analysis results are then sent back to the server, which then generates plans to provide to users.

[0837] Input: Financial data, electronic payment data, market data

[0838] Output: Customized financial plan

[0839] Step 4:

[0840] The server generates a financial plan and selects related financial education resources. This information is encrypted and sent to the device. The user's device displays the plan and educational resources to the user. The user confirms the information and receives instructions for implementation.

[0841] Input: Customized financial plans, financial education resources

[0842] Output: Plans and educational resources displayed to the user

[0843] Step 5:

[0844] The server periodically recollects and reanalyzes the latest market data and the user's latest financial information. Based on the new data, the AI ​​engine revises the plan and reflects it in the next update. The user's device notifies the user of these updates and revisions. The user can check the notifications and readjust their financial strategy as necessary.

[0845] Input: Latest market data, latest financial information for users

[0846] Output: Revised financial plan, notify user

[0847] Example prompts to input to the generative AI model

[0848] "Update your savings plan with the following transaction information: Purchase amount=$5,000, Category=Groceries, Transaction date=2023-10-01."

[0849] "Calculate how far users are in reaching their goals and provide up-to-date advice."

[0850] 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.

[0851] The AI-driven financial planning system incorporating the emotion engine of the present invention recognizes the user's emotional state and provides customized financial advice based on that. An embodiment of this system will be described in detail below.

[0852] System Configuration

[0853] The system mainly consists of the following components:

[0854] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[0855] 2. Server: A central processing unit that receives data from users, analyzes it using the AI ​​engine and emotion engine, and returns the results to the users.

[0856] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[0857] 4. Sentiment Engine: A software component that analyzes user sentiment and tailors financial advice accordingly.

[0858] 5. Database: A storage system that encrypts and stores users' financial, market, and sentiment data.

[0859] 6. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[0860] Program processing procedure

[0861] 1. Initial Setup and User Authentication

[0862] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[0863] 2. Information gathering and data entry

[0864] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[0865] 3. Emotional Data Collection and Analysis

[0866] The device provides an interface to obtain the user's emotional state (e.g., facial recognition camera, voice analysis, text analysis, etc.).

[0867] The user provides emotion data while performing normal operations.

[0868] The server receives the emotion data and sends it to the emotion engine, which analyzes the user's emotional state and stores the results in a database.

[0869] 4. Data analysis and plan generation

[0870] The server sends the stored financial and emotional data to the AI ​​engine and begins analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The emotional engine adjusts the advice it provides based on the emotional data. The server receives the analysis results, generates plans to provide to users, and sends them to the device.

[0871] 5. Advising and Educational Resources

[0872] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[0873] 6. Periodic review and updates

[0874] The server periodically recollects and reanalyzes market data and the user's latest financial and sentiment data. The AI ​​engine and sentiment engine revise the plan based on the new data and use it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[0875] Specific examples

[0876] Let's assume that a user (Mr. Yamada) wants to use this system to prepare funds for his or her child's future education.

[0877] 1. Initial Setup and User Authentication

[0878] Yamada (user) signs up to the system and registers by entering his authentication information.

[0879] The server encrypts the input information and stores it in a database, allowing Yamada to log in to the system.

[0880] 2. Information gathering and data entry

[0881] Yamada (the user) enters financial information such as income, monthly expenses, current savings, and loan balance.

[0882] The device collects this information and sends it to a server, which stores the data in a database.

[0883] 3. Emotional Data Collection and Analysis

[0884] The device provides an interface for collecting Yamada's emotional state (using a facial recognition camera).

[0885] Yamada (user) continues to operate normally. The server collects emotion data and sends it to the emotion engine.

[0886] The emotion engine analyzes Yamada's emotional state and stores the results in a database.

[0887] 4. Data analysis and plan generation

[0888] The server sends the collected data to the AI ​​engine and begins analysis.

[0889] The AI ​​engine generates the optimal education savings plan based on Yamada's financial situation.

[0890] The emotion engine adjusts advice based on Yamada's emotions.

[0891] The server stores the analysis results in a database and sends them to the terminal.

[0892] 5. Advising and Educational Resources

[0893] The device displays Yamada's customized plan and related financial education resources.

[0894] Yamada (the user) reviews the presented plan and obtains information to put it into action.

[0895] 6. Periodic review and updates

[0896] Every month, the server reanalyzes market data and Yamada's latest financial and emotional information and reviews the plan.

[0897] The device will notify Yamada of the latest information and advice.

[0898] Yamada (the user) checks the notification and readjusts his financial strategy as needed.

[0899] The above is a description of the specific embodiment and program processing for implementing the present invention. This system allows users to efficiently and safely manage their own financial information, and not only to create a financial plan that is optimal for them, but also to receive flexible advice tailored to their emotional state.

[0900] The processing flow will be explained below.

[0901] Step 1:

[0902] The device will display a new user registration form, prompting the user to enter information such as name, email address, and password.

[0903] The user enters the necessary information and clicks the registration button.

[0904] The server receives the input information, hashes the password, stores it in the database, and sends a registration completion email to the user.

[0905] Step 2:

[0906] The device displays a login form and prompts the user to enter their email address and password.

[0907] The user enters their login information and clicks the login button.

[0908] The server receives the input and checks it against the hashed password in its database. If there is a match, it generates a security token and sends it back to the user.

[0909] Step 3:

[0910] The device displays a form for entering information such as income, expenses, assets, liabilities, and investments.

[0911] The user enters their financial information into the form and clicks the submit button.

[0912] The server receives the entered data and stores it in a database.

[0913] Step 4:

[0914] The device displays a form for entering financial goals (such as buying a home, saving for your children's education, or saving for retirement).

[0915] The user enters the goal and clicks the submit button.

[0916] The server receives the target data and stores it in a database.

[0917] Step 5:

[0918] The device provides an interface to obtain the user's emotional state (e.g., facial recognition camera, voice analysis, text analysis, etc.).

[0919] The user provides emotion data while performing normal operations.

[0920] The server receives the emotion data and sends it to the emotion engine, which analyzes the user's emotional state and stores the results in a database.

[0921] Step 6:

[0922] The server sends the saved data to the AI ​​engine and begins analysis.

[0923] Based on the data entered, the AI ​​engine calculates income and expenditure balances, assesses the user's financial situation, and incorporates market data and trends to generate optimal investment strategies and savings plans.

[0924] The emotion engine tailors the advice it provides based on the user's emotional data.

[0925] The server receives the analysis results and stores them in a database.

[0926] Step 7:

[0927] The server generates a customized financial plan based on the analysis results.

[0928] The terminal provides an interface for displaying the plan to the user.

[0929] Step 8:

[0930] The server sends the generated plan to the user's interface and also selects relevant educational resources to improve the user's financial literacy.

[0931] The device displays customized plans and educational resources to the user.

[0932] The user reviews the information presented and begins to act based on the advice.

[0933] Step 9:

[0934] Users can check the plan details and use the inquiry function if they have any questions or concerns.

[0935] The device accepts inquiries from users and transfers them to a chatbot or customer support.

[0936] The server analyzes the user's inquiry and provides an appropriate answer.

[0937] Step 10:

[0938] The server periodically recollects users' financial information, market data, and sentiment data and stores them in a database.

[0939] The AI ​​engine will re-analyze the plan based on the latest data and revise it.

[0940] The emotion engine also analyzes new emotion data and adjusts its advice accordingly.

[0941] The server generates updated plans and advice based on the latest analysis results.

[0942] The device will notify the user of the latest information and revisions.

[0943] Users can review the notifications and readjust their financial strategies as needed.

[0944] Example 2

[0945] 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."

[0946] Conventional financial planning systems focus on collecting and analyzing users' financial data, but have the problem of being unable to take into account the user's emotional state. This can result in advice being provided that ignores the user's emotional state, reducing the effectiveness of financial planning. Furthermore, measures to ensure data security can be incomplete, making it difficult to gain user trust.

[0947] 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.

[0948] In this invention, the server includes means for collecting a user's financial data, means for analyzing the collected financial data and generating a financial plan customized for the user, means for collecting and analyzing the user's emotional state, means for adjusting the financial plan based on the emotional state, means for providing the generated financial plan to the user, means for periodically updating market data and the user's financial data for use in the next analysis, and means for ensuring the security of all data used in the above means, thereby enabling the provision of a flexible and secure financial plan that takes the user's emotional state into consideration.

[0949] "Your Financial Data" means data detailing your financial situation, including your income, expenses, assets, liabilities, and investments.

[0950] "Customized Financial Plan" refers to an optimal investment strategy or savings plan generated based on a user's individual financial data and emotional state.

[0951] "Means for collecting emotional states" refers to interfaces for detecting emotional states, such as facial recognition cameras, voice analysis, and text analysis.

[0952] "Means for analyzing emotional state" refers to algorithms or software that analyze the collected emotional data and identify the user's current emotional state.

[0953] "Means for adjusting the financial plan" refers to a system component for optimizing the content of the financial plan generated based on the emotional data to match the user's emotional state.

[0954] "Market Data" means current market conditions and economic data used to generate and adjust your financial plan.

[0955] "Security measures" refers to encryption technologies and access control mechanisms to ensure the confidentiality and security of all data collected and stored.

[0956] "Financial education resources" refers to information, educational materials, websites, e-books, etc. provided to help users deepen their financial knowledge.

[0957] "Chatbots or customer support tools" refers to automated programs that respond to user inquiries or human staff that provide customer service.

[0958] The AI-driven financial planning system incorporating the emotion engine of the present invention recognizes the user's emotional state and provides customized financial advice based on that. An embodiment of this system will be described in detail below.

[0959] The system mainly consists of the following components:

[0960] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[0961] 2. Server: A central processing unit that receives data from users, analyzes it using the AI ​​engine and emotion engine, and returns the results to the users.

[0962] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[0963] 4. Sentiment Engine: A software component that analyzes user sentiment and tailors financial advice accordingly.

[0964] 5. Database: A storage system that encrypts and stores users' financial, market, and sentiment data.

[0965] 6. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[0966] Initial Setup and User Authentication

[0967] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[0968] Information gathering and data entry

[0969] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[0970] Emotion data collection and analysis

[0971] The device provides an interface to acquire the user's emotional state (e.g., face recognition camera, voice analysis, text analysis, etc.). The user provides emotional data while performing normal operations. The server receives the emotional data and sends it to the emotion engine. The emotion engine analyzes the user's emotional state and stores the results in a database.

[0972] Data analysis and plan generation

[0973] The server sends the stored financial and emotional data to the AI ​​engine and begins analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The emotional engine adjusts the advice it provides based on the emotional data. The server receives the analysis results, generates plans to provide to users, and sends them to the device.

[0974] Advising and Educational Resources

[0975] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[0976] Regular review and updates

[0977] The server periodically recollects and reanalyzes market data and the user's latest financial and sentiment data. The AI ​​engine and sentiment engine revise the plan based on the new data and use it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[0978] Specific examples

[0979] Let's assume that a user wants to use this system to prepare funds for their child's future education.

[0980] Initial Setup and User Authentication

[0981] Users sign up to the system and register by entering their credentials.

[0982] The server encrypts the information entered and stores it in a database, allowing the user to log into the system.

[0983] Information gathering and data entry

[0984] Users enter financial information such as income, monthly expenses, current savings, and loan balances.

[0985] The device collects this information and sends it to a server, which stores the data in a database.

[0986] Emotion data collection and analysis

[0987] The device provides an interface to collect the user's emotional state (e.g., using a facial recognition camera).

[0988] The user continues to operate normally. The server collects emotion data and sends it to the emotion engine.

[0989] The emotion engine analyzes the user's emotional state and stores the results in a database.

[0990] Data analysis and plan generation

[0991] The server sends the collected data to the AI ​​engine and begins analysis.

[0992] The AI ​​engine generates the optimal education savings plan based on the user's financial situation.

[0993] The emotion engine tailors advice based on the user's emotions.

[0994] The server stores the analysis results in a database and sends them to the terminal.

[0995] Advising and Educational Resources

[0996] The device displays a customized plan and related financial education resources to the user.

[0997] Users can review the presented plan and get the information they need to put it into action.

[0998] Regular review and updates

[0999] Every month, the server reanalyzes market data and users' latest financial and sentiment data and reviews the plan.

[1000] The device will notify the user of the latest information and advice.

[1001] Users can review the notifications and readjust their financial strategies as needed.

[1002] Prompt Sentence Examples

[1003] "You input the user's financial information and then generate a customized financial plan based on the analysis of the sentiment and AI engines, taking into account the user's emotional data."

[1004] This system not only enables users to efficiently and securely manage their financial information and create the financial plan that best suits them, but also allows them to receive flexible advice tailored to their emotional state.

[1005] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1006] Step 1:

[1007] Initial Setup and User Authentication

[1008] Specific behavior:

[1009] The terminal displays a new user registration form.

[1010] The user enters the required information (e.g., name, email address, password) and submits.

[1011] The server receives the entered information, encrypts it, stores it in a database, and generates a security token that is sent back to the user.

[1012] Input and Output:

[1013] Input: User registration information (name, email address, password).

[1014] Output: Encrypted user information and a security token.

[1015] Step 2:

[1016] Information gathering and data entry

[1017] Specific behavior:

[1018] The terminal displays a form for entering financial information.

[1019] Users enter financial information such as income, monthly expenses, current savings, and loan balances.

[1020] The terminal transmits the entered financial data to the server.

[1021] The server stores the received data in a database.

[1022] Input and Output:

[1023] Input: Your financial information (income, expenses, assets, liabilities, investments, etc.).

[1024] Output: Financial information stored in a database.

[1025] Step 3:

[1026] Emotion data collection and analysis

[1027] Specific behavior:

[1028] The device activates an emotion data collection interface (facial recognition camera, voice analysis, text analysis, etc.).

[1029] The user continues to operate and provides emotional data.

[1030] The server receives the emotion data and sends it to the emotion engine.

[1031] The emotion engine analyzes the emotion data and stores the results in a database.

[1032] Input and Output:

[1033] Input: Emotion data (results of facial recognition, speech analysis, and text analysis).

[1034] Output: Parsed emotional state data.

[1035] Step 4:

[1036] Data analysis and plan generation

[1037] Specific behavior:

[1038] The server sends the stored financial and emotional data to the AI ​​engine and begins analysis.

[1039] The AI ​​engine calculates balances and uses market data and trends to generate optimal investment strategies and savings plans.

[1040] The emotion engine tailors advice based on emotion data.

[1041] The server receives the analysis results, generates a plan to provide to the user, and sends it to the terminal.

[1042] Input and Output:

[1043] Input: User financial data, sentiment data, market data.

[1044] Output: A customized financial plan.

[1045] Step 5:

[1046] Advising and Educational Resources

[1047] Specific behavior:

[1048] The server, along with the generated plan, selects relevant financial education resources for the user.

[1049] The device displays customized plans and educational resources for the user.

[1050] The user reviews the information presented and begins to act on the advice.

[1051] Input and Output:

[1052] Input: customized financial plans, educational resources.

[1053] Output: The plans and educational resources that are displayed to the user.

[1054] Step 6:

[1055] Regular review and updates

[1056] Specific behavior:

[1057] The server periodically recollects and reanalyzes market data and users' latest financial and sentiment information.

[1058] AI and emotion engines revise plans based on new data.

[1059] The server notifies the terminal of the review results.

[1060] Users can review the notifications and readjust their financial strategies as needed.

[1061] Input and Output:

[1062] Inputs: Market data, latest financial information, sentiment data.

[1063] Output:Reviewed financial plan, notification.

[1064] (Application example 2)

[1065] 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."

[1066] Conventional financial planning systems can only provide financial advice based on a user's rigid financial information. This makes it difficult to provide flexible, personalized advice that takes into account the user's emotional state. Furthermore, there are also insufficient systems equipped with financial education resources and inquiry response functions based on the user's emotional state. This invention solves these problems and provides a system that provides financial planning that is more tailored to the user.

[1067] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[1068] In this invention, the server includes means for collecting a user's financial data, means for analyzing the collected financial data and generating a financial plan customized for the user, means for recognizing the user's emotional state and customizing financial advice based on the emotional state, means for providing the generated financial plan to the user, means for periodically updating market data and the user's financial data for use in the next analysis, and means for ensuring the security of all data used in the above means, thereby enabling financial planning and flexible advice that takes the user's emotional state into account.

[1069] A "means for collecting user financial data" is any device or software that receives information entered by a user about income, expenses, assets, liabilities, and investments.

[1070] A "means for generating a customized financial plan" is a device or software that analyzes collected financial data and creates an optimal financial strategy or savings plan tailored to the individual circumstances of each user.

[1071] "Means for recognizing the user's emotional state" refers to a device or software that uses a device such as a camera or microphone to identify emotions from the user's facial expressions and voice.

[1072] A "means for customizing financial advice based on emotions" is a device or software for providing the most appropriate financial advice to a user based on recognized emotional data.

[1073] A "means for providing a generated financial plan to a user" is a device or software for displaying or notifying a user of a generated financial plan.

[1074] "Means for regularly updating market data and user financial data" refers to devices or software that obtain the latest market trends and new financial information for users at any time and keep the data in the system up to date.

[1075] "Data security measures" are devices or software that ensure that collected and stored data is protected from unauthorized access or disclosure.

[1076] A "means for providing financial education resources" is a device or software that displays or provides educational materials or content that enables users to learn financial knowledge.

[1077] "Automated response system or support team means" means a device or software that provides an automated response system or a mechanism for human operators to respond to user inquiries.

[1078] The present invention relates to an AI-driven financial planning system that recognizes a user's emotional state and provides emotion-based customized financial advice. The system consists of the following components:

[1079] 1. User Device

[1080] The user device is typically a smartphone, tablet, or PC, and provides an interface for users to input their financial information and receive customized financial plans and advice. It can also capture the user's emotional state using a camera or microphone.

[1081] 2. Server

[1082] The server is a central processing unit that receives financial and sentiment data sent by users and analyzes them using the AI ​​engine and sentiment engine. It is also responsible for data storage, security management, and market data updates.

[1083] 3. AI Engine

[1084] The AI ​​engine is a software component that analyzes collected financial data and generates optimal financial plans for users. It calculates income and expenditure balances and provides investment strategies and savings plans tailored to users based on market data.

[1085] 4. Emotion Engine

[1086] The emotion engine is a software component that analyzes users' emotional data and customizes financial advice based on the results. It uses facial recognition cameras, voice analysis software, and text analysis software to recognize users' emotions.

[1087] 5. Database

[1088] The database is a storage system that encrypts and stores users' financial data, sentiment data, and market data, allowing for data management while maintaining high security.

[1089] 6. Chatbots and Customer Support

[1090] Chatbots and customer support are automated response systems and support teams that respond to user inquiries and concerns, allowing users to receive prompt and appropriate support.

[1091] Program processing

[1092] The server sends the financial and emotional data collected from users to the AI ​​engine and the emotion engine for data analysis, and periodically updates market data and users' financial data to keep the information in the database up to date.

[1093] The AI ​​engine calculates the user's balance and generates an optimal financial plan based on market data and trends, while the emotion engine adjusts the advice provided based on the user's emotional data.

[1094] The device provides users with a customized financial plan based on the analysis results, and also displays financial education resources to help users acquire appropriate financial knowledge.

[1095] Specific examples

[1096] For example, let's say a user (let's call him User A) wants to use this system to prepare for future education expenses. User A enters financial information such as income, monthly expenses, and current savings into the terminal. The system then obtains User A's emotional state in real time and analyzes it using the emotion engine.

[1097] As a result, an optimal educational savings plan based on User A's financial situation and emotional state is generated and displayed on User A's device. Appropriate financial education resources are also provided to User A, allowing him or her to deepen his or her understanding.

[1098] Example prompts to input to the generative AI model

[1099] An example prompt for User A would be:

[1100] User A's financial situation:

[1101] Annual income: 5 million yen

[1102] Monthly expenses: 200,000 yen

[1103] Savings: 1 million yen

[1104] Emotional state: Happy

[1105] Based on this prompt, the system can generate and provide optimal advice and financial plans.

[1106] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1107] Step 1:

[1108] The server receives financial data entered by the user into the terminal. The entered financial data includes details about income, expenses, assets, liabilities, and investments. This data is encrypted and stored in a database, using encryption technology to ensure data integrity and confidentiality. As an output, the financial data is securely stored in the database.

[1109] Step 2:

[1110] The user's emotional state is acquired through the device. This process involves using camera and microphone hardware for facial recognition and voice analysis. For example, a facial recognition camera is used to capture the user's facial expressions in real time. This captured data is analyzed by emotion recognition software to identify the user's emotional state. The acquired emotion data is sent to a server and stored in a database. As an output, the user's emotional state is accurately recognized.

[1111] Step 3:

[1112] The server sends the collected financial data and emotional data to the AI ​​engine and the emotion engine. First, the collected financial data is analyzed by the AI ​​engine. The AI ​​engine calculates income and expenditure balances, proposes investment strategies, and generates savings plans. Next, the emotion data is analyzed by the emotion engine, which adjusts financial advice based on the user's emotional state. The input is financial data and emotional data, and the output is a customized financial plan and adjusted advice.

[1113] Step 4:

[1114] The server sends the generated customized financial plan and advice to the terminal. The terminal displays this information to the user. The user can decide on their next action based on the displayed plan and advice. Specifically, the details of the financial plan are displayed on the screen and links to related financial education resources are provided. The input is the customized financial plan and advice, and the output is the content presented to the user.

[1115] Step 5:

[1116] The server periodically recollects market data and the user's latest financial information and sentiment data to update the database. This includes obtaining market data from external data sources and inputting new financial information from the user. The updated data is again analyzed by the AI ​​engine and sentiment engine to generate the latest financial plan and advice. Specifically, the information in the database is automatically updated and new advice is notified to the user. The input is the latest market data and the user's financial information, and the output is the updated financial plan and advice.

[1117] Step 6:

[1118] The device notifies the user of the updated customized financial plan and advice. The user receives the notification and makes adjustments based on the new financial plan. As a specific example, the device's notification function pushes the latest information to the user, allowing the user to review their financial strategy based on that information. The input is the notification of the updated financial plan and advice, and the output is the user's confirmation and adaptive behavior.

[1119] As a concrete example, the prompt sentence for entering User A's information into the system again and receiving new advice from the AI ​​engine and emotion engine is as follows:

[1120] User A's financial situation:

[1121] Annual income: 5 million yen

[1122] Monthly expenses: 200,000 yen

[1123] Savings: 1 million yen

[1124] Emotional state: Happy

[1125] 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.

[1126] 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.

[1127] 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.

[1128] [Third embodiment]

[1129] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[1130] 5, the data processing system 310 includes the data processing device 12 and a headset type terminal 314. An example of the data processing device 12 is a server.

[1131] 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).

[1132] 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.

[1133] 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.

[1134] 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).

[1135] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 are responsible for the exchange of various information between the processor 46 and the processor 28 via the network 54. The exchange of various information between the processor 46 and the processor 28 using the communication I / Fs 44 and 26 is carried out in a secure state.

[1136] 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.

[1137] 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.

[1138] 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.

[1139] 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.

[1140] 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."

[1141] The AI-driven financial planning system of the present invention allows users to share their financial situation in a secure environment and receive customized financial advice. An embodiment of this system is described in detail below.

[1142] System Configuration

[1143] The system mainly consists of the following components:

[1144] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[1145] 2. Server: A central processing unit that receives data from users, analyzes it using an AI engine, and returns the results to the users.

[1146] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[1147] 4. Database: A storage system that encrypts and stores users' financial and market data.

[1148] 5. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[1149] Program processing procedure

[1150] 1. Initial Setup and User Authentication

[1151] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[1152] 2. Information gathering and data entry

[1153] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[1154] 3. Data analysis and plan generation

[1155] The server sends the stored data to an AI engine for analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The server receives the analysis results, generates plans to provide to users, and sends them to their devices.

[1156] 4. Advising and Educational Resources

[1157] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[1158] 5. Regular review and updates

[1159] The server periodically recollects and reanalyzes market data and the user's latest financial information. The AI ​​engine revises the plan based on the new data and uses it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[1160] Specific examples

[1161] Let's assume that a user (Mr. Sato) wants to use this system to make financial plans for purchasing a home in the future.

[1162] 1. Initial Setup and User Authentication

[1163] Mr. Sato (user) signs up to the system and registers by entering his authentication information.

[1164] The server encrypts the input information and stores it in a database, allowing Mr. Sato to log in to the system.

[1165] 2. Information gathering and data entry

[1166] Mr. Sato (the user) enters financial information such as income, monthly expenses, current savings, and loan balance.

[1167] The device collects this information and sends it to a server, which stores the data in a database.

[1168] 3. Data analysis and plan generation

[1169] The server sends the collected data to the AI ​​engine and begins analysis.

[1170] The AI ​​engine generates an optimal savings and investment strategy based on Sato's financial situation and suggests steps to achieve his future goals.

[1171] The server stores the analysis results and sends them to the device.

[1172] 4. Advising and Educational Resources

[1173] The device displays a customized plan and related financial education resources for Mr. Sato.

[1174] Mr. Sato (user) reviews the presented plan and obtains information to put it into action.

[1175] 5. Regular review and updates

[1176] Every month, the server reanalyzes market data and Sato's latest financial information and reviews the plan.

[1177] The device will notify Sato of the latest information and advice.

[1178] Mr. Sato (the user) checks the notification and readjusts his financial strategy as necessary.

[1179] The above is a description of the specific embodiment and program processing for implementing the present invention. This system allows users to efficiently and safely manage their own financial information and create the most suitable financial plan for themselves.

[1180] The processing flow will be explained below.

[1181] Step 1:

[1182] The device will display a new user registration form, prompting the user to enter information such as name, email address, and password.

[1183] The user enters the necessary information and clicks the registration button.

[1184] The server receives the input information, hashes the password, stores it in the database, and sends a registration completion email.

[1185] Step 2:

[1186] The device displays a login form and prompts the user to enter their email address and password.

[1187] The user enters their login information and clicks the login button.

[1188] The server receives the input and checks it against the hashed password in its database. If there is a match, it generates a security token and sends it back to the user.

[1189] Step 3:

[1190] The device displays a form for entering information such as income, expenses, assets, liabilities, and investments.

[1191] The user enters their financial information into the form and clicks the submit button.

[1192] The server receives the entered data and stores it in a database.

[1193] Step 4:

[1194] The device displays a form for entering financial goals (such as buying a home, saving for your children's education, or saving for retirement).

[1195] The user enters the goal and clicks the submit button.

[1196] The server receives the target data and stores it in a database.

[1197] Step 5:

[1198] The server sends the saved data to the AI ​​engine and begins analysis.

[1199] Based on the data entered, the AI ​​engine calculates income and expenditure balances, assesses the user's financial situation, and incorporates market data and trends to generate optimal investment strategies and savings plans.

[1200] The server receives the analysis results and stores them in a database.

[1201] Step 6:

[1202] The server generates a customized financial plan based on the analysis results.

[1203] The terminal provides an interface for displaying the plan to the user.

[1204] Step 7:

[1205] The server sends the generated plan to the user's interface and also selects relevant educational resources to improve the user's financial literacy.

[1206] The device displays customized plans and educational resources to the user.

[1207] The user reviews the information presented and begins to act based on the advice.

[1208] Step 8:

[1209] Users can check the plan details and use the inquiry function if they have any questions or concerns.

[1210] The device accepts inquiries from users and transfers them to a chatbot or customer support.

[1211] The server analyzes the user's inquiry and provides an appropriate answer.

[1212] Step 9:

[1213] The server periodically recollects the user's financial information and market data and stores it in a database.

[1214] The AI ​​engine will re-analyze the plan based on the latest data and revise it.

[1215] The server generates updated plans and advice based on the latest analysis results.

[1216] The device will notify the user of the latest information and revisions.

[1217] Users can review the notifications and readjust their financial strategies as needed.

[1218] Example 1

[1219] 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."

[1220] Conventional financial planning systems lacked sufficient seamlessness in collecting and analyzing users' financial data, providing customized plans, and regularly updating data, making it difficult to provide advice and educational resources tailored to users' financial situations. Furthermore, the security of users' financial data was insufficient, making protecting user privacy a challenge. Furthermore, there was a lack of a means for users to respond quickly and appropriately to inquiries or questions about the system.

[1221] 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.

[1222] In this invention, the server includes means for collecting user authentication information and generating a security token, means for collecting user financial data, and means for storing and verifying the collected financial data in a database. This allows for the provision of a customized financial plan to the user while ensuring the security of the user's financial data. Furthermore, by including means for periodically updating the user's financial data with market data to be used for the next analysis, the latest advice tailored to the user's financial situation can be provided. Furthermore, by providing a chatbot or customer support means, it is possible to quickly and appropriately respond to user inquiries and questions.

[1223] "User authentication information" means data required for a user to access the system, including, for example, name, email address, and password.

[1224] A "security token" is a unique identifier generated to prevent unauthorized access to third parties and is used to secure communication between the system and the user after user authentication.

[1225] "Financial Data" means detailed information about your income, expenses, assets, liabilities and investments.

[1226] "Database" means a system for efficiently and securely storing collected User financial and market data.

[1227] A "financial plan" is a customized proposal that analyzes the user's financial situation and includes income and expenditure balance, investment strategies, savings plans, etc.

[1228] "Financial education resources" are materials and information sources that help users deepen their financial knowledge, including articles, videos, seminars, etc.

[1229] "Market Data" means information about current economic conditions and financial markets that is used to analyze and update the financial plans we provide to our users.

[1230] A "chatbot" is a program that automatically responds to inquiries from users and uses natural language processing technology to answer user questions.

[1231] "Customer support" refers to a service in which a human representative responds to inquiries and questions from users.

[1232] MODE FOR CARRYING OUT THE INVENTION

[1233] The AI-driven financial planning system of the present invention allows users to share their financial situation in a secure environment and receive customized financial advice. The system consists of a user terminal, a server, an AI engine, a database, a chatbot, and customer support.

[1234] System configuration

[1235] 1. User terminal: A device that provides an interface for users to input financial information and receive financial plans and advice. Examples include smartphones, tablets, and PCs.

[1236] 2. Server: A central processing unit that receives data from users, analyzes it using an AI engine, and returns the results to the users.

[1237] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[1238] 4. Database: A storage system that encrypts and stores users' financial and market data.

[1239] 5. Chatbots and customer support: An automated response system and support team that responds to user inquiries.

[1240] Program processing overview

[1241] Initial Setup and User Authentication

[1242] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[1243] Information gathering and data entry

[1244] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[1245] Data analysis and plan generation

[1246] The server sends the stored data to an AI engine for analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The server receives the analysis results, generates plans to provide to users, and sends them to their devices.

[1247] Advising and Educational Resources

[1248] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[1249] Regular review and updates

[1250] The server periodically recollects and reanalyzes market data and the user's latest financial information. The AI ​​engine revises the plan based on the new data and uses it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[1251] Specific examples

[1252] Let's assume that a user (let's call him "Mr. Sato") wants to use this system to make a financial plan for purchasing a home in the future.

[1253] 1. Initial Setup and User Authentication

[1254] Mr. Sato (user) signs up to the system and registers by entering his authentication information.

[1255] The server encrypts the input information and stores it in a database, allowing Mr. Sato to log in to the system.

[1256] 2. Information gathering and data entry

[1257] Mr. Sato (the user) enters financial information such as income, monthly expenses, current savings, and loan balance.

[1258] The device collects this information and sends it to a server, which stores the data in a database.

[1259] 3. Data analysis and plan generation

[1260] The server sends the collected data to the AI ​​engine and begins analysis.

[1261] The AI ​​engine generates an optimal savings and investment strategy based on Sato's financial situation and suggests steps to achieve his future goals.

[1262] The server stores the analysis results and sends them to the device.

[1263] 4. Advising and Educational Resources

[1264] The device displays a customized plan and related financial education resources for Mr. Sato.

[1265] Mr. Sato (user) reviews the presented plan and obtains information to put it into action.

[1266] 5. Regular review and updates

[1267] Every month, the server reanalyzes market data and Sato's latest financial information and reviews the plan.

[1268] The device will notify Sato of the latest information and advice.

[1269] Mr. Sato (the user) checks the notification and readjusts his financial strategy as necessary.

[1270] Prompt Sentence Examples

[1271] Your name is Sato. To help us create the best financial plan for your future home purchase, please enter the following financial information into our system:

[1272] 1. Monthly income: 300,000 yen

[1273] 2. Monthly expenses: 150,000 yen

[1274] 3. Current savings: 1 million yen

[1275] 4. Loan balance: 500,000 yen

[1276] Next, enter your target purchase date and home price range.

[1277] This system allows users to efficiently and securely manage their financial information and create the financial plan that best suits them.

[1278] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1279] Step 1: Initial Setup and User Authentication

[1280] (Works) The device displays a user registration form. Required fields include name, email address, and password.

[1281] (Input) The user enters this information and clicks the "Register" button.

[1282] (Operation) The terminal sends the input information to the server.

[1283] (Operation) The server encrypts the received information and stores it in a database along with a hashed password for user authentication.

[1284] (Action) If the registration is successful, the server sends a confirmation email to the user.

[1285] (Input) The user enters their email address and password into the login form and submits it.

[1286] (Output) The server receives the entered authentication information and checks it against its database. If authentication is successful, the server generates a security token and returns it to the terminal.

[1287] Step 2: Information gathering and data entry

[1288] (What it does) The terminal displays a form for entering financial information. Fields include income, expenses, assets, liabilities, and investments.

[1289] (Input) The user enters the required financial information into the form and clicks the "Submit" button.

[1290] (Operation) The terminal sends the input data to the server.

[1291] (Operation) The server validates the received data and checks for any invalid data.

[1292] (Output) After validation, the server saves the data to the database.

[1293] Step 3: Data analysis and plan generation

[1294] (Input) The server sends the stored financial data to the AI ​​engine.

[1295] (Operation) The AI ​​engine receives financial data and calculates the balance of income and expenditures. Specifically, it calculates the difference between income and expenses, and calculates the amount available for savings and investments.

[1296] (How it works) The AI ​​engine analyzes market data and trends to generate optimal investment strategies and savings plans for users.

[1297] (Output) The AI ​​engine returns the analysis results to the server.

[1298] (Operation) The server receives the results from the AI ​​engine and generates a customized plan for the user.

[1299] (Output) Send the generated plan to the device.

[1300] Step 4: Advising and educational resources

[1301] (Operation) The device displays the customized plan to the user.

[1302] (Input) The user confirms the plan details.

[1303] (Operation) The server searches for and selects educational resources relevant to the user's financial situation.

[1304] (Output) The device displays the selected educational resources to the user, specifically presenting links and materials in a user-friendly format.

[1305] (Input) Users refer to these resources and learn specific actions.

[1306] Step 5: Regularly review and update

[1307] (Operation) The server periodically recollects market data and the user's latest financial information, and if necessary, notifies the user to enter updated information.

[1308] (Input) The user inputs the recommended data to update their current financial information.

[1309] (Operation) The server sends the new data to the AI ​​engine and performs reanalysis.

[1310] (How it works) The AI ​​engine recalculates the plan based on new data, specifically by reflecting the latest income, expenditure, and investment data and recalculating an optimized plan.

[1311] (Output) The AI ​​engine returns the reanalysis results to the server.

[1312] (Operation) The server updates the plan based on the latest analysis results and sends it to the terminal.

[1313] (Output) The terminal notifies and displays the latest plans and advice to the user.

[1314] (Input) The user reviews the notification and readjusts their financial strategy as needed.

[1315] (Application example 1)

[1316] 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."

[1317] Conventional financial planning systems require users to manually input data, making it difficult to analyze data or provide advice in real time. Additionally, there was a lack of means to properly manage and securely collect users' electronic payment data, which led to problems with the accuracy of financial plans. It was also difficult for users to come up with specific savings strategies to achieve their big future goals. To solve these issues, a system was needed that could securely collect and analyze users' electronic payment data in real time and instantly present income and expenditure balances and investment strategies.

[1318] 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.

[1319] In this invention, the server includes means for collecting a user's financial data, means for analyzing the collected financial data and generating a customized financial plan for the user, means for acquiring and securely transmitting electronic payment data in real time, means for providing the generated financial plan to the user, means for analyzing the user's financial transactions and immediately presenting income and expenditure balances and investment strategies, means for periodically updating market data and the user's financial data for use in the next analysis, means for ensuring the security of all data used in the above means, and means for generating a savings strategy for the user to achieve major future goals. This allows the user to have their financial data analyzed in real time every time they make an electronic payment, and to immediately receive customized advice and savings strategies.

[1320] "Your Financial Data" means information relating to the financial situation of an individual or entity, including income, expenses, assets, liabilities, and investments.

[1321] "Means for collection" refers to the function or device for acquiring financial data entered by users and incorporating it into the system.

[1322] "Analyze" refers to analyzing collected data using statistical or algorithmic methods to identify specific patterns or trends.

[1323] "Customized Financial Plan" means individually tailored financial strategies and advice created based on a specific user's financial situation and goals.

[1324] "Electronic Payment Data" means a record of payments made electronically by a User, including the purchase amount, transaction location, and category.

[1325] "Real-time" refers to processing or providing data immediately with a very short time delay.

[1326] "Secure transmission means" means a function or device for securely transferring data using encryption or other security techniques.

[1327] "Income and expenditure balance" represents the difference between a user's income and expenses, and is an indicator of financial soundness.

[1328] An "investment strategy" is a policy or plan for how to manage assets.

[1329] "Market data" refers to various indicators and data related to financial markets, such as stock prices, exchange rates, and interest rates.

[1330] A "periodic updating means" is a function or device for collecting the latest data at regular time intervals and replacing existing data with new information.

[1331] "Data security measures" are techniques and measures used to protect the confidentiality, integrity, and availability of data.

[1332] A "savings strategy" is a plan or policy for efficiently accumulating assets for future purposes.

[1333] The AI-driven financial planning system of the present invention allows users to securely share their financial situation and receive customized financial advice in real time. A specific embodiment of this system is described below.

[1334] System Configuration

[1335] The system mainly consists of the following components:

[1336] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[1337] 2. Server: A central processing unit that receives data from users, analyzes it using an AI engine, and returns the results to the user. A cloud environment such as AWS is used.

[1338] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan. It uses Python and TensorFlow.

[1339] 4. Database: A storage system that stores encrypted user financial and market data. Examples include RDS and DynamoDB.

[1340] 5. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[1341] Program processing procedure

[1342] 1. Initial Setup and User Authentication

[1343] When the user's device is used for the first time, a user registration form is displayed, and the user enters the necessary information to register.

[1344] The server encrypts the entered information and stores it securely. When logging in, it authenticates the user and generates a security token, which is then sent back to the user.

[1345] 2. Information gathering and data entry

[1346] The user terminal provides forms for inputting financial information (income, expenses, assets, liabilities, investments, etc.) and electronic payment data from the user, as well as automatic transaction recording functions.

[1347] Users enter the required information, and the app automatically collects it each time a transaction occurs.

[1348] 3. Data analysis and plan generation

[1349] The server sends the collected data to the AI ​​engine for analysis.

[1350] The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends.

[1351] 4. Advising and Educational Resources

[1352] The server, along with the generated plan, selects relevant financial education resources for the user.

[1353] The user device displays customized plans and educational resources for the user.

[1354] 5. Regular review and updates

[1355] The server periodically recollects and reanalyzes market data and the user's latest financial information.

[1356] The AI ​​engine will review the plan based on the new data and use it for the next update.

[1357] The user device will notify the user of the latest information and revisions.

[1358] Specific examples

[1359] For example, if a user wants to make a financial plan for purchasing a home in the future, they can use the system by following the steps below.

[1360] 1. Initial Setup and User Authentication

[1361] Users sign up to the system and register by entering their credentials.

[1362] The server encrypts the information entered and stores it in a database, allowing the user to log into the system.

[1363] 2. Information gathering and data entry

[1364] Users enter financial information such as income, monthly expenses, current savings and loan balances, and the data is automatically collected when making electronic payments.

[1365] The user's device collects this information and sends it to the server, which stores the data in a database.

[1366] 3. Data analysis and plan generation

[1367] The server sends the collected data to the AI ​​engine and begins analysis.

[1368] The AI ​​engine generates optimal savings and investment strategies based on the user's financial situation and suggests steps to achieve future goals.

[1369] The server stores the analysis results and sends them to the user's device.

[1370] 4. Advising and Educational Resources

[1371] The user terminal displays the user's customized plan and related financial education resources.

[1372] 5. Regular review and updates

[1373] Every month, the server reanalyzes market data and the user's latest financial information and reviews the plan.

[1374] The user device will notify the user of the latest information and advice.

[1375] Example prompts to input to the generative AI model

[1376] "Update your savings plan with the following transaction information: Purchase amount=$5,000, Category=Groceries, Transaction date=2023-10-01."

[1377] "Calculate how far users are in reaching their goals and provide up-to-date advice."

[1378] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1379] Step 1:

[1380] The user launches the smartphone app for the first time and performs initial setup and user authentication. The user enters their account information (email address, password, etc.) and clicks the send button. The device encrypts the entered information and sends it to the server. The server stores the received data in a database and generates and returns a security token to the user. This allows the user to log in to the system securely.

[1381] Input: User account information (email address, password)

[1382] Output: Security token

[1383] Step 2:

[1384] The app uses a form for users to enter financial information such as income, expenses, assets, liabilities, and investments. In addition, every time a user makes an electronic payment, the transaction data (purchase amount, transaction location, and category) is automatically recorded in the app. The device collects this financial information and electronic payment data, encrypts it, and sends it to a server. The server stores the received data in a database.

[1385] Input: User's financial information, electronic payment data

[1386] Output: Encrypted financial data

[1387] Step 3:

[1388] The server sends the stored financial data to an AI engine, which then begins analyzing the data. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans based on market data and trends. The analysis results are then sent back to the server, which then generates plans to provide to users.

[1389] Input: Financial data, electronic payment data, market data

[1390] Output: Customized financial plan

[1391] Step 4:

[1392] The server generates a financial plan and selects related financial education resources. This information is encrypted and sent to the device. The user's device displays the plan and educational resources to the user. The user confirms the information and receives instructions for implementation.

[1393] Input: Customized financial plans, financial education resources

[1394] Output: Plans and educational resources displayed to the user

[1395] Step 5:

[1396] The server periodically recollects and reanalyzes the latest market data and the user's latest financial information. Based on the new data, the AI ​​engine revises the plan and reflects it in the next update. The user's device notifies the user of these updates and revisions. The user can check the notifications and readjust their financial strategy as necessary.

[1397] Input: Latest market data, latest financial information for users

[1398] Output: Revised financial plan, notify user

[1399] Example prompts to input to the generative AI model

[1400] "Update your savings plan with the following transaction information: Purchase amount=$5,000, Category=Groceries, Transaction date=2023-10-01."

[1401] "Calculate how far users are in reaching their goals and provide up-to-date advice."

[1402] 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.

[1403] The AI-driven financial planning system incorporating the emotion engine of the present invention recognizes the user's emotional state and provides customized financial advice based on that. An embodiment of this system will be described in detail below.

[1404] System Configuration

[1405] The system mainly consists of the following components:

[1406] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[1407] 2. Server: A central processing unit that receives data from users, analyzes it using the AI ​​engine and emotion engine, and returns the results to the users.

[1408] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[1409] 4. Sentiment Engine: A software component that analyzes user sentiment and tailors financial advice accordingly.

[1410] 5. Database: A storage system that encrypts and stores users' financial, market, and sentiment data.

[1411] 6. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[1412] Program processing procedure

[1413] 1. Initial Setup and User Authentication

[1414] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[1415] 2. Information gathering and data entry

[1416] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[1417] 3. Emotional Data Collection and Analysis

[1418] The device provides an interface to obtain the user's emotional state (e.g., facial recognition camera, voice analysis, text analysis, etc.).

[1419] The user provides emotion data while performing normal operations.

[1420] The server receives the emotion data and sends it to the emotion engine, which analyzes the user's emotional state and stores the results in a database.

[1421] 4. Data analysis and plan generation

[1422] The server sends the stored financial and emotional data to the AI ​​engine and begins analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The emotional engine adjusts the advice it provides based on the emotional data. The server receives the analysis results, generates plans to provide to users, and sends them to the device.

[1423] 5. Advising and Educational Resources

[1424] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[1425] 6. Periodic review and updates

[1426] The server periodically recollects and reanalyzes market data and the user's latest financial and sentiment data. The AI ​​engine and sentiment engine revise the plan based on the new data and use it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[1427] Specific examples

[1428] Let's assume that a user (Mr. Yamada) wants to use this system to prepare funds for his or her child's future education.

[1429] 1. Initial Setup and User Authentication

[1430] Yamada (user) signs up to the system and registers by entering his authentication information.

[1431] The server encrypts the input information and stores it in a database, allowing Yamada to log in to the system.

[1432] 2. Information gathering and data entry

[1433] Yamada (the user) enters financial information such as income, monthly expenses, current savings, and loan balance.

[1434] The device collects this information and sends it to a server, which stores the data in a database.

[1435] 3. Emotional Data Collection and Analysis

[1436] The device provides an interface for collecting Yamada's emotional state (using a facial recognition camera).

[1437] Yamada (user) continues to operate normally. The server collects emotion data and sends it to the emotion engine.

[1438] The emotion engine analyzes Yamada's emotional state and stores the results in a database.

[1439] 4. Data analysis and plan generation

[1440] The server sends the collected data to the AI ​​engine and begins analysis.

[1441] The AI ​​engine generates the optimal education savings plan based on Yamada's financial situation.

[1442] The emotion engine adjusts advice based on Yamada's emotions.

[1443] The server stores the analysis results in a database and sends them to the terminal.

[1444] 5. Advising and Educational Resources

[1445] The device displays Yamada's customized plan and related financial education resources.

[1446] Yamada (the user) reviews the presented plan and obtains information to put it into action.

[1447] 6. Periodic review and updates

[1448] Every month, the server reanalyzes market data and Yamada's latest financial and emotional information and reviews the plan.

[1449] The device will notify Yamada of the latest information and advice.

[1450] Yamada (the user) checks the notification and readjusts his financial strategy as needed.

[1451] The above is a description of the specific embodiment and program processing for implementing the present invention. This system allows users to efficiently and safely manage their own financial information, and not only to create a financial plan that is optimal for them, but also to receive flexible advice tailored to their emotional state.

[1452] The processing flow will be explained below.

[1453] Step 1:

[1454] The device will display a new user registration form, prompting the user to enter information such as name, email address, and password.

[1455] The user enters the necessary information and clicks the registration button.

[1456] The server receives the input information, hashes the password, stores it in the database, and sends a registration completion email to the user.

[1457] Step 2:

[1458] The device displays a login form and prompts the user to enter their email address and password.

[1459] The user enters their login information and clicks the login button.

[1460] The server receives the input and checks it against the hashed password in its database. If there is a match, it generates a security token and sends it back to the user.

[1461] Step 3:

[1462] The device displays a form for entering information such as income, expenses, assets, liabilities, and investments.

[1463] The user enters their financial information into the form and clicks the submit button.

[1464] The server receives the entered data and stores it in a database.

[1465] Step 4:

[1466] The device displays a form for entering financial goals (such as buying a home, saving for your children's education, or saving for retirement).

[1467] The user enters the goal and clicks the submit button.

[1468] The server receives the target data and stores it in a database.

[1469] Step 5:

[1470] The device provides an interface to obtain the user's emotional state (e.g., facial recognition camera, voice analysis, text analysis, etc.).

[1471] The user provides emotion data while performing normal operations.

[1472] The server receives the emotion data and sends it to the emotion engine, which analyzes the user's emotional state and stores the results in a database.

[1473] Step 6:

[1474] The server sends the saved data to the AI ​​engine and begins analysis.

[1475] Based on the data entered, the AI ​​engine calculates income and expenditure balances, assesses the user's financial situation, and incorporates market data and trends to generate optimal investment strategies and savings plans.

[1476] The emotion engine tailors the advice it provides based on the user's emotional data.

[1477] The server receives the analysis results and stores them in a database.

[1478] Step 7:

[1479] The server generates a customized financial plan based on the analysis results.

[1480] The terminal provides an interface for displaying the plan to the user.

[1481] Step 8:

[1482] The server sends the generated plan to the user's interface and also selects relevant educational resources to improve the user's financial literacy.

[1483] The device displays customized plans and educational resources to the user.

[1484] The user reviews the information presented and begins to act based on the advice.

[1485] Step 9:

[1486] Users can check the plan details and use the inquiry function if they have any questions or concerns.

[1487] The device accepts inquiries from users and transfers them to a chatbot or customer support.

[1488] The server analyzes the user's inquiry and provides an appropriate answer.

[1489] Step 10:

[1490] The server periodically recollects users' financial information, market data, and sentiment data and stores them in a database.

[1491] The AI ​​engine will re-analyze the plan based on the latest data and revise it.

[1492] The emotion engine also analyzes new emotion data and adjusts its advice accordingly.

[1493] The server generates updated plans and advice based on the latest analysis results.

[1494] The device will notify the user of the latest information and revisions.

[1495] Users can review the notifications and readjust their financial strategies as needed.

[1496] Example 2

[1497] 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."

[1498] Conventional financial planning systems focus on collecting and analyzing users' financial data, but have the problem of being unable to take into account the user's emotional state. This can result in advice being provided that ignores the user's emotional state, reducing the effectiveness of financial planning. Furthermore, measures to ensure data security can be incomplete, making it difficult to gain user trust.

[1499] 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.

[1500] In this invention, the server includes means for collecting a user's financial data, means for analyzing the collected financial data and generating a financial plan customized for the user, means for collecting and analyzing the user's emotional state, means for adjusting the financial plan based on the emotional state, means for providing the generated financial plan to the user, means for periodically updating market data and the user's financial data for use in the next analysis, and means for ensuring the security of all data used in the above means, thereby enabling the provision of a flexible and secure financial plan that takes the user's emotional state into consideration.

[1501] "Your Financial Data" means data detailing your financial situation, including your income, expenses, assets, liabilities, and investments.

[1502] "Customized Financial Plan" refers to an optimal investment strategy or savings plan generated based on a user's individual financial data and emotional state.

[1503] "Means for collecting emotional states" refers to interfaces for detecting emotional states, such as facial recognition cameras, voice analysis, and text analysis.

[1504] "Means for analyzing emotional state" refers to algorithms or software that analyze the collected emotional data and identify the user's current emotional state.

[1505] "Means for adjusting the financial plan" refers to a system component for optimizing the content of the financial plan generated based on the emotional data to match the user's emotional state.

[1506] "Market Data" means current market conditions and economic data used to generate and adjust your financial plan.

[1507] "Security measures" refers to encryption technologies and access control mechanisms to ensure the confidentiality and security of all data collected and stored.

[1508] "Financial education resources" refers to information, educational materials, websites, e-books, etc. provided to help users deepen their financial knowledge.

[1509] "Chatbots or customer support tools" refers to automated programs that respond to user inquiries or human staff that provide customer service.

[1510] The AI-driven financial planning system incorporating the emotion engine of the present invention recognizes the user's emotional state and provides customized financial advice based on that. An embodiment of this system will be described in detail below.

[1511] The system mainly consists of the following components:

[1512] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[1513] 2. Server: A central processing unit that receives data from users, analyzes it using the AI ​​engine and emotion engine, and returns the results to the users.

[1514] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[1515] 4. Sentiment Engine: A software component that analyzes user sentiment and tailors financial advice accordingly.

[1516] 5. Database: A storage system that encrypts and stores users' financial, market, and sentiment data.

[1517] 6. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[1518] Initial Setup and User Authentication

[1519] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[1520] Information gathering and data entry

[1521] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[1522] Emotion data collection and analysis

[1523] The device provides an interface to acquire the user's emotional state (e.g., face recognition camera, voice analysis, text analysis, etc.). The user provides emotional data while performing normal operations. The server receives the emotional data and sends it to the emotion engine. The emotion engine analyzes the user's emotional state and stores the results in a database.

[1524] Data analysis and plan generation

[1525] The server sends the stored financial and emotional data to the AI ​​engine and begins analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The emotional engine adjusts the advice it provides based on the emotional data. The server receives the analysis results, generates plans to provide to users, and sends them to the device.

[1526] Advising and Educational Resources

[1527] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[1528] Regular review and updates

[1529] The server periodically recollects and reanalyzes market data and the user's latest financial and sentiment data. The AI ​​engine and sentiment engine revise the plan based on the new data and use it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[1530] Specific examples

[1531] Let's assume that a user wants to use this system to prepare funds for their child's future education.

[1532] Initial Setup and User Authentication

[1533] Users sign up to the system and register by entering their credentials.

[1534] The server encrypts the information entered and stores it in a database, allowing the user to log into the system.

[1535] Information gathering and data entry

[1536] Users enter financial information such as income, monthly expenses, current savings, and loan balances.

[1537] The device collects this information and sends it to a server, which stores the data in a database.

[1538] Emotion data collection and analysis

[1539] The device provides an interface to collect the user's emotional state (e.g., using a facial recognition camera).

[1540] The user continues to operate normally. The server collects emotion data and sends it to the emotion engine.

[1541] The emotion engine analyzes the user's emotional state and stores the results in a database.

[1542] Data analysis and plan generation

[1543] The server sends the collected data to the AI ​​engine and begins analysis.

[1544] The AI ​​engine generates the optimal education savings plan based on the user's financial situation.

[1545] The emotion engine tailors advice based on the user's emotions.

[1546] The server stores the analysis results in a database and sends them to the terminal.

[1547] Advising and Educational Resources

[1548] The device displays a customized plan and related financial education resources to the user.

[1549] Users can review the presented plan and get the information they need to put it into action.

[1550] Regular review and updates

[1551] Every month, the server reanalyzes market data and users' latest financial and sentiment data and reviews the plan.

[1552] The device will notify the user of the latest information and advice.

[1553] Users can review the notifications and readjust their financial strategies as needed.

[1554] Prompt Sentence Examples

[1555] "You input the user's financial information and then generate a customized financial plan based on the analysis of the sentiment and AI engines, taking into account the user's emotional data."

[1556] This system not only enables users to efficiently and securely manage their financial information and create the financial plan that best suits them, but also allows them to receive flexible advice tailored to their emotional state.

[1557] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1558] Step 1:

[1559] Initial Setup and User Authentication

[1560] Specific behavior:

[1561] The terminal displays a new user registration form.

[1562] The user enters the required information (e.g., name, email address, password) and submits.

[1563] The server receives the entered information, encrypts it, stores it in a database, and generates a security token that is sent back to the user.

[1564] Input and Output:

[1565] Input: User registration information (name, email address, password).

[1566] Output: Encrypted user information and a security token.

[1567] Step 2:

[1568] Information gathering and data entry

[1569] Specific behavior:

[1570] The terminal displays a form for entering financial information.

[1571] Users enter financial information such as income, monthly expenses, current savings, and loan balances.

[1572] The terminal transmits the entered financial data to the server.

[1573] The server stores the received data in a database.

[1574] Input and Output:

[1575] Input: Your financial information (income, expenses, assets, liabilities, investments, etc.).

[1576] Output: Financial information stored in a database.

[1577] Step 3:

[1578] Emotion data collection and analysis

[1579] Specific behavior:

[1580] The device activates an emotion data collection interface (facial recognition camera, voice analysis, text analysis, etc.).

[1581] The user continues to operate and provides emotional data.

[1582] The server receives the emotion data and sends it to the emotion engine.

[1583] The emotion engine analyzes the emotion data and stores the results in a database.

[1584] Input and Output:

[1585] Input: Emotion data (results of facial recognition, speech analysis, and text analysis).

[1586] Output: Parsed emotional state data.

[1587] Step 4:

[1588] Data analysis and plan generation

[1589] Specific behavior:

[1590] The server sends the stored financial and emotional data to the AI ​​engine and begins analysis.

[1591] The AI ​​engine calculates balances and uses market data and trends to generate optimal investment strategies and savings plans.

[1592] The emotion engine tailors advice based on emotion data.

[1593] The server receives the analysis results, generates a plan to provide to the user, and sends it to the terminal.

[1594] Input and Output:

[1595] Input: User financial data, sentiment data, market data.

[1596] Output: A customized financial plan.

[1597] Step 5:

[1598] Advising and Educational Resources

[1599] Specific behavior:

[1600] The server, along with the generated plan, selects relevant financial education resources for the user.

[1601] The device displays customized plans and educational resources for the user.

[1602] The user reviews the information presented and begins to act on the advice.

[1603] Input and Output:

[1604] Input: customized financial plans, educational resources.

[1605] Output: The plans and educational resources that are displayed to the user.

[1606] Step 6:

[1607] Regular review and updates

[1608] Specific behavior:

[1609] The server periodically recollects and reanalyzes market data and users' latest financial and sentiment information.

[1610] AI and emotion engines revise plans based on new data.

[1611] The server notifies the terminal of the review results.

[1612] Users can review the notifications and readjust their financial strategies as needed.

[1613] Input and Output:

[1614] Inputs: Market data, latest financial information, sentiment data.

[1615] Output:Reviewed financial plan, notification.

[1616] (Application example 2)

[1617] 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."

[1618] Conventional financial planning systems can only provide financial advice based on a user's rigid financial information. This makes it difficult to provide flexible, personalized advice that takes into account the user's emotional state. Furthermore, there are also insufficient systems equipped with financial education resources and inquiry response functions based on the user's emotional state. This invention solves these problems and provides a system that provides financial planning that is more tailored to the user.

[1619] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[1620] In this invention, the server includes means for collecting a user's financial data, means for analyzing the collected financial data and generating a financial plan customized for the user, means for recognizing the user's emotional state and customizing financial advice based on the emotional state, means for providing the generated financial plan to the user, means for periodically updating market data and the user's financial data for use in the next analysis, and means for ensuring the security of all data used in the above means, thereby enabling financial planning and flexible advice that takes the user's emotional state into account.

[1621] A "means for collecting user financial data" is any device or software that receives information entered by a user about income, expenses, assets, liabilities, and investments.

[1622] A "means for generating a customized financial plan" is a device or software that analyzes collected financial data and creates an optimal financial strategy or savings plan tailored to the individual circumstances of each user.

[1623] "Means for recognizing the user's emotional state" refers to a device or software that uses a device such as a camera or microphone to identify emotions from the user's facial expressions and voice.

[1624] A "means for customizing financial advice based on emotions" is a device or software for providing the most appropriate financial advice to a user based on recognized emotional data.

[1625] A "means for providing a generated financial plan to a user" is a device or software for displaying or notifying a user of a generated financial plan.

[1626] "Means for regularly updating market data and user financial data" refers to devices or software that obtain the latest market trends and new financial information for users at any time and keep the data in the system up to date.

[1627] "Data security measures" are devices or software that ensure that collected and stored data is protected from unauthorized access or disclosure.

[1628] A "means for providing financial education resources" is a device or software that displays or provides educational materials or content that enables users to learn financial knowledge.

[1629] "Automated response system or support team means" means a device or software that provides an automated response system or a mechanism for human operators to respond to user inquiries.

[1630] The present invention relates to an AI-driven financial planning system that recognizes a user's emotional state and provides emotion-based customized financial advice. The system consists of the following components:

[1631] 1. User Device

[1632] The user device is typically a smartphone, tablet, or PC, and provides an interface for users to input their financial information and receive customized financial plans and advice. It can also capture the user's emotional state using a camera or microphone.

[1633] 2. Server

[1634] The server is a central processing unit that receives financial and sentiment data sent by users and analyzes them using the AI ​​engine and sentiment engine. It is also responsible for data storage, security management, and market data updates.

[1635] 3. AI Engine

[1636] The AI ​​engine is a software component that analyzes collected financial data and generates optimal financial plans for users. It calculates income and expenditure balances and provides investment strategies and savings plans tailored to users based on market data.

[1637] 4. Emotion Engine

[1638] The emotion engine is a software component that analyzes users' emotional data and customizes financial advice based on the results. It uses facial recognition cameras, voice analysis software, and text analysis software to recognize users' emotions.

[1639] 5. Database

[1640] The database is a storage system that encrypts and stores users' financial data, sentiment data, and market data, allowing for data management while maintaining high security.

[1641] 6. Chatbots and Customer Support

[1642] Chatbots and customer support are automated response systems and support teams that respond to user inquiries and concerns, allowing users to receive prompt and appropriate support.

[1643] Program processing

[1644] The server sends the financial and emotional data collected from users to the AI ​​engine and the emotion engine for data analysis, and periodically updates market data and users' financial data to keep the information in the database up to date.

[1645] The AI ​​engine calculates the user's balance and generates an optimal financial plan based on market data and trends, while the emotion engine adjusts the advice provided based on the user's emotional data.

[1646] The device provides users with a customized financial plan based on the analysis results, and also displays financial education resources to help users acquire appropriate financial knowledge.

[1647] Specific examples

[1648] For example, let's say a user (let's call him User A) wants to use this system to prepare for future education expenses. User A enters financial information such as income, monthly expenses, and current savings into the terminal. The system then obtains User A's emotional state in real time and analyzes it using the emotion engine.

[1649] As a result, an optimal educational savings plan based on User A's financial situation and emotional state is generated and displayed on User A's device. Appropriate financial education resources are also provided to User A, allowing him or her to deepen his or her understanding.

[1650] Example prompts to input to the generative AI model

[1651] An example prompt for User A would be:

[1652] User A's financial situation:

[1653] Annual income: 5 million yen

[1654] Monthly expenses: 200,000 yen

[1655] Savings: 1 million yen

[1656] Emotional state: Happy

[1657] Based on this prompt, the system can generate and provide optimal advice and financial plans.

[1658] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1659] Step 1:

[1660] The server receives financial data entered by the user into the terminal. The entered financial data includes details about income, expenses, assets, liabilities, and investments. This data is encrypted and stored in a database, using encryption technology to ensure data integrity and confidentiality. As an output, the financial data is securely stored in the database.

[1661] Step 2:

[1662] The user's emotional state is acquired through the device. This process involves using camera and microphone hardware for facial recognition and voice analysis. For example, a facial recognition camera is used to capture the user's facial expressions in real time. This captured data is analyzed by emotion recognition software to identify the user's emotional state. The acquired emotion data is sent to a server and stored in a database. As an output, the user's emotional state is accurately recognized.

[1663] Step 3:

[1664] The server sends the collected financial data and emotional data to the AI ​​engine and the emotion engine. First, the collected financial data is analyzed by the AI ​​engine. The AI ​​engine calculates income and expenditure balances, proposes investment strategies, and generates savings plans. Next, the emotion data is analyzed by the emotion engine, which adjusts financial advice based on the user's emotional state. The input is financial data and emotional data, and the output is a customized financial plan and adjusted advice.

[1665] Step 4:

[1666] The server sends the generated customized financial plan and advice to the terminal. The terminal displays this information to the user. The user can decide on their next action based on the displayed plan and advice. Specifically, the details of the financial plan are displayed on the screen and links to related financial education resources are provided. The input is the customized financial plan and advice, and the output is the content presented to the user.

[1667] Step 5:

[1668] The server periodically recollects market data and the user's latest financial information and sentiment data to update the database. This includes obtaining market data from external data sources and inputting new financial information from the user. The updated data is again analyzed by the AI ​​engine and sentiment engine to generate the latest financial plan and advice. Specifically, the information in the database is automatically updated and new advice is notified to the user. The input is the latest market data and the user's financial information, and the output is the updated financial plan and advice.

[1669] Step 6:

[1670] The device notifies the user of the updated customized financial plan and advice. The user receives the notification and makes adjustments based on the new financial plan. As a specific example, the device's notification function pushes the latest information to the user, allowing the user to review their financial strategy based on that information. The input is the notification of the updated financial plan and advice, and the output is the user's confirmation and adaptive behavior.

[1671] As a concrete example, the prompt sentence for entering User A's information into the system again and receiving new advice from the AI ​​engine and emotion engine is as follows:

[1672] User A's financial situation:

[1673] Annual income: 5 million yen

[1674] Monthly expenses: 200,000 yen

[1675] Savings: 1 million yen

[1676] Emotional state: Happy

[1677] 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.

[1678] 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.

[1679] 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.

[1680] [Fourth embodiment]

[1681] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[1682] 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.

[1683] 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).

[1684] 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.

[1685] 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.

[1686] 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).

[1687] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 are responsible for the exchange of various information between the processor 46 and the processor 28 via the network 54. The exchange of various information between the processor 46 and the processor 28 using the communication I / Fs 44 and 26 is carried out in a secure state.

[1688] 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.

[1689] 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.

[1690] 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.

[1691] 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.

[1692] 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.

[1693] 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."

[1694] The AI-driven financial planning system of the present invention allows users to share their financial situation in a secure environment and receive customized financial advice. An embodiment of this system is described in detail below.

[1695] System Configuration

[1696] The system mainly consists of the following components:

[1697] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[1698] 2. Server: A central processing unit that receives data from users, analyzes it using an AI engine, and returns the results to the users.

[1699] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[1700] 4. Database: A storage system that encrypts and stores users' financial and market data.

[1701] 5. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[1702] Program processing procedure

[1703] 1. Initial Setup and User Authentication

[1704] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[1705] 2. Information gathering and data entry

[1706] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[1707] 3. Data analysis and plan generation

[1708] The server sends the stored data to an AI engine for analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The server receives the analysis results, generates plans to provide to users, and sends them to their devices.

[1709] 4. Advising and Educational Resources

[1710] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[1711] 5. Regular review and updates

[1712] The server periodically recollects and reanalyzes market data and the user's latest financial information. The AI ​​engine revises the plan based on the new data and uses it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[1713] Specific examples

[1714] Let's assume that a user (Mr. Sato) wants to use this system to make financial plans for purchasing a home in the future.

[1715] 1. Initial Setup and User Authentication

[1716] Mr. Sato (user) signs up to the system and registers by entering his authentication information.

[1717] The server encrypts the input information and stores it in a database, allowing Mr. Sato to log in to the system.

[1718] 2. Information gathering and data entry

[1719] Mr. Sato (the user) enters financial information such as income, monthly expenses, current savings, and loan balance.

[1720] The device collects this information and sends it to a server, which stores the data in a database.

[1721] 3. Data analysis and plan generation

[1722] The server sends the collected data to the AI ​​engine and begins analysis.

[1723] The AI ​​engine generates an optimal savings and investment strategy based on Sato's financial situation and suggests steps to achieve his future goals.

[1724] The server stores the analysis results and sends them to the device.

[1725] 4. Advising and Educational Resources

[1726] The device displays a customized plan and related financial education resources for Mr. Sato.

[1727] Mr. Sato (user) reviews the presented plan and obtains information to put it into action.

[1728] 5. Regular review and updates

[1729] Every month, the server reanalyzes market data and Sato's latest financial information and reviews the plan.

[1730] The device will notify Sato of the latest information and advice.

[1731] Mr. Sato (the user) checks the notification and readjusts his financial strategy as necessary.

[1732] The above is a description of the specific embodiment and program processing for implementing the present invention. This system allows users to efficiently and safely manage their own financial information and create the most suitable financial plan for themselves.

[1733] The processing flow will be explained below.

[1734] Step 1:

[1735] The device will display a new user registration form, prompting the user to enter information such as name, email address, and password.

[1736] The user enters the necessary information and clicks the registration button.

[1737] The server receives the input information, hashes the password, stores it in the database, and sends a registration completion email.

[1738] Step 2:

[1739] The device displays a login form and prompts the user to enter their email address and password.

[1740] The user enters their login information and clicks the login button.

[1741] The server receives the input and checks it against the hashed password in its database. If there is a match, it generates a security token and sends it back to the user.

[1742] Step 3:

[1743] The device displays a form for entering information such as income, expenses, assets, liabilities, and investments.

[1744] The user enters their financial information into the form and clicks the submit button.

[1745] The server receives the entered data and stores it in a database.

[1746] Step 4:

[1747] The device displays a form for entering financial goals (such as buying a home, saving for your children's education, or saving for retirement).

[1748] The user enters the goal and clicks the submit button.

[1749] The server receives the target data and stores it in a database.

[1750] Step 5:

[1751] The server sends the saved data to the AI ​​engine and begins analysis.

[1752] Based on the data entered, the AI ​​engine calculates income and expenditure balances, assesses the user's financial situation, and incorporates market data and trends to generate optimal investment strategies and savings plans.

[1753] The server receives the analysis results and stores them in a database.

[1754] Step 6:

[1755] The server generates a customized financial plan based on the analysis results.

[1756] The terminal provides an interface for displaying the plan to the user.

[1757] Step 7:

[1758] The server sends the generated plan to the user's interface and also selects relevant educational resources to improve the user's financial literacy.

[1759] The device displays customized plans and educational resources to the user.

[1760] The user reviews the information presented and begins to act based on the advice.

[1761] Step 8:

[1762] Users can check the plan details and use the inquiry function if they have any questions or concerns.

[1763] The device accepts inquiries from users and transfers them to a chatbot or customer support.

[1764] The server analyzes the user's inquiry and provides an appropriate answer.

[1765] Step 9:

[1766] The server periodically recollects the user's financial information and market data and stores it in a database.

[1767] The AI ​​engine will re-analyze the plan based on the latest data and revise it.

[1768] The server generates updated plans and advice based on the latest analysis results.

[1769] The device will notify the user of the latest information and revisions.

[1770] Users can review the notifications and readjust their financial strategies as needed.

[1771] Example 1

[1772] 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."

[1773] Conventional financial planning systems lacked sufficient seamlessness in collecting and analyzing users' financial data, providing customized plans, and regularly updating data, making it difficult to provide advice and educational resources tailored to users' financial situations. Furthermore, the security of users' financial data was insufficient, making protecting user privacy a challenge. Furthermore, there was a lack of a means for users to respond quickly and appropriately to inquiries or questions about the system.

[1774] 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.

[1775] In this invention, the server includes means for collecting user authentication information and generating a security token, means for collecting user financial data, and means for storing and verifying the collected financial data in a database. This allows for the provision of a customized financial plan to the user while ensuring the security of the user's financial data. Furthermore, by including means for periodically updating the user's financial data with market data to be used for the next analysis, the latest advice tailored to the user's financial situation can be provided. Furthermore, by providing a chatbot or customer support means, it is possible to quickly and appropriately respond to user inquiries and questions.

[1776] "User authentication information" means data required for a user to access the system, including, for example, name, email address, and password.

[1777] A "security token" is a unique identifier generated to prevent unauthorized access to third parties and is used to secure communication between the system and the user after user authentication.

[1778] "Financial Data" means detailed information about your income, expenses, assets, liabilities and investments.

[1779] "Database" means a system for efficiently and securely storing collected User financial and market data.

[1780] A "financial plan" is a customized proposal that analyzes the user's financial situation and includes income and expenditure balance, investment strategies, savings plans, etc.

[1781] "Financial education resources" are materials and information sources that help users deepen their financial knowledge, including articles, videos, seminars, etc.

[1782] "Market Data" means information about current economic conditions and financial markets that is used to analyze and update the financial plans we provide to our users.

[1783] A "chatbot" is a program that automatically responds to inquiries from users and uses natural language processing technology to answer user questions.

[1784] "Customer support" refers to a service in which a human representative responds to inquiries and questions from users.

[1785] MODE FOR CARRYING OUT THE INVENTION

[1786] The AI-driven financial planning system of the present invention allows users to share their financial situation in a secure environment and receive customized financial advice. The system consists of a user terminal, a server, an AI engine, a database, a chatbot, and customer support.

[1787] System configuration

[1788] 1. User terminal: A device that provides an interface for users to input financial information and receive financial plans and advice. Examples include smartphones, tablets, and PCs.

[1789] 2. Server: A central processing unit that receives data from users, analyzes it using an AI engine, and returns the results to the users.

[1790] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[1791] 4. Database: A storage system that encrypts and stores users' financial and market data.

[1792] 5. Chatbots and customer support: An automated response system and support team that responds to user inquiries.

[1793] Program processing overview

[1794] Initial Setup and User Authentication

[1795] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[1796] Information gathering and data entry

[1797] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[1798] Data analysis and plan generation

[1799] The server sends the stored data to an AI engine for analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The server receives the analysis results, generates plans to provide to users, and sends them to their devices.

[1800] Advising and Educational Resources

[1801] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[1802] Regular review and updates

[1803] The server periodically recollects and reanalyzes market data and the user's latest financial information. The AI ​​engine revises the plan based on the new data and uses it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[1804] Specific examples

[1805] Let's assume that a user (let's call him "Mr. Sato") wants to use this system to make a financial plan for purchasing a home in the future.

[1806] 1. Initial Setup and User Authentication

[1807] Mr. Sato (user) signs up to the system and registers by entering his authentication information.

[1808] The server encrypts the input information and stores it in a database, allowing Mr. Sato to log in to the system.

[1809] 2. Information gathering and data entry

[1810] Mr. Sato (the user) enters financial information such as income, monthly expenses, current savings, and loan balance.

[1811] The device collects this information and sends it to a server, which stores the data in a database.

[1812] 3. Data analysis and plan generation

[1813] The server sends the collected data to the AI ​​engine and begins analysis.

[1814] The AI ​​engine generates an optimal savings and investment strategy based on Sato's financial situation and suggests steps to achieve his future goals.

[1815] The server stores the analysis results and sends them to the device.

[1816] 4. Advising and Educational Resources

[1817] The device displays a customized plan and related financial education resources for Mr. Sato.

[1818] Mr. Sato (user) reviews the presented plan and obtains information to put it into action.

[1819] 5. Regular review and updates

[1820] Every month, the server reanalyzes market data and Sato's latest financial information and reviews the plan.

[1821] The device will notify Sato of the latest information and advice.

[1822] Mr. Sato (the user) checks the notification and readjusts his financial strategy as necessary.

[1823] Prompt Sentence Examples

[1824] Your name is Sato. To help us create the best financial plan for your future home purchase, please enter the following financial information into our system:

[1825] 1. Monthly income: 300,000 yen

[1826] 2. Monthly expenses: 150,000 yen

[1827] 3. Current savings: 1 million yen

[1828] 4. Loan balance: 500,000 yen

[1829] Next, enter your target purchase date and home price range.

[1830] This system allows users to efficiently and securely manage their financial information and create the financial plan that best suits them.

[1831] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1832] Step 1: Initial Setup and User Authentication

[1833] (Works) The device displays a user registration form. Required fields include name, email address, and password.

[1834] (Input) The user enters this information and clicks the "Register" button.

[1835] (Operation) The terminal sends the input information to the server.

[1836] (Operation) The server encrypts the received information and stores it in a database along with a hashed password for user authentication.

[1837] (Action) If the registration is successful, the server sends a confirmation email to the user.

[1838] (Input) The user enters their email address and password into the login form and submits it.

[1839] (Output) The server receives the entered authentication information and checks it against its database. If authentication is successful, the server generates a security token and returns it to the terminal.

[1840] Step 2: Information gathering and data entry

[1841] (What it does) The terminal displays a form for entering financial information. Fields include income, expenses, assets, liabilities, and investments.

[1842] (Input) The user enters the required financial information into the form and clicks the "Submit" button.

[1843] (Operation) The terminal sends the input data to the server.

[1844] (Operation) The server validates the received data and checks for any invalid data.

[1845] (Output) After validation, the server saves the data to the database.

[1846] Step 3: Data analysis and plan generation

[1847] (Input) The server sends the stored financial data to the AI ​​engine.

[1848] (Operation) The AI ​​engine receives financial data and calculates the balance of income and expenditures. Specifically, it calculates the difference between income and expenses, and calculates the amount available for savings and investments.

[1849] (How it works) The AI ​​engine analyzes market data and trends to generate optimal investment strategies and savings plans for users.

[1850] (Output) The AI ​​engine returns the analysis results to the server.

[1851] (Operation) The server receives the results from the AI ​​engine and generates a customized plan for the user.

[1852] (Output) Send the generated plan to the device.

[1853] Step 4: Advising and educational resources

[1854] (Operation) The device displays the customized plan to the user.

[1855] (Input) The user confirms the plan details.

[1856] (Operation) The server searches for and selects educational resources relevant to the user's financial situation.

[1857] (Output) The device displays the selected educational resources to the user, specifically presenting links and materials in a user-friendly format.

[1858] (Input) Users refer to these resources and learn specific actions.

[1859] Step 5: Regularly review and update

[1860] (Operation) The server periodically recollects market data and the user's latest financial information, and if necessary, notifies the user to enter updated information.

[1861] (Input) The user inputs the recommended data to update their current financial information.

[1862] (Operation) The server sends the new data to the AI ​​engine and performs reanalysis.

[1863] (How it works) The AI ​​engine recalculates the plan based on new data, specifically by reflecting the latest income, expenditure, and investment data and recalculating an optimized plan.

[1864] (Output) The AI ​​engine returns the reanalysis results to the server.

[1865] (Operation) The server updates the plan based on the latest analysis results and sends it to the terminal.

[1866] (Output) The terminal notifies and displays the latest plans and advice to the user.

[1867] (Input) The user reviews the notification and readjusts their financial strategy as needed.

[1868] (Application example 1)

[1869] 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."

[1870] Conventional financial planning systems require users to manually input data, making it difficult to analyze data or provide advice in real time. Additionally, there was a lack of means to properly manage and securely collect users' electronic payment data, which led to problems with the accuracy of financial plans. It was also difficult for users to come up with specific savings strategies to achieve their big future goals. To solve these issues, a system was needed that could securely collect and analyze users' electronic payment data in real time and instantly present income and expenditure balances and investment strategies.

[1871] 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.

[1872] In this invention, the server includes means for collecting a user's financial data, means for analyzing the collected financial data and generating a customized financial plan for the user, means for acquiring and securely transmitting electronic payment data in real time, means for providing the generated financial plan to the user, means for analyzing the user's financial transactions and immediately presenting income and expenditure balances and investment strategies, means for periodically updating market data and the user's financial data for use in the next analysis, means for ensuring the security of all data used in the above means, and means for generating a savings strategy for the user to achieve major future goals. This allows the user to have their financial data analyzed in real time every time they make an electronic payment, and to immediately receive customized advice and savings strategies.

[1873] "Your Financial Data" means information relating to the financial situation of an individual or entity, including income, expenses, assets, liabilities, and investments.

[1874] "Means for collection" refers to the function or device for acquiring financial data entered by users and incorporating it into the system.

[1875] "Analyze" refers to analyzing collected data using statistical or algorithmic methods to identify specific patterns or trends.

[1876] "Customized Financial Plan" means individually tailored financial strategies and advice created based on a specific user's financial situation and goals.

[1877] "Electronic Payment Data" means a record of payments made electronically by a User, including the purchase amount, transaction location, and category.

[1878] "Real-time" refers to processing or providing data immediately with a very short time delay.

[1879] "Secure transmission means" means a function or device for securely transferring data using encryption or other security techniques.

[1880] "Income and expenditure balance" represents the difference between a user's income and expenses, and is an indicator of financial soundness.

[1881] An "investment strategy" is a policy or plan for how to manage assets.

[1882] "Market data" refers to various indicators and data related to financial markets, such as stock prices, exchange rates, and interest rates.

[1883] A "periodic updating means" is a function or device for collecting the latest data at regular time intervals and replacing existing data with new information.

[1884] "Data security measures" are techniques and measures used to protect the confidentiality, integrity, and availability of data.

[1885] A "savings strategy" is a plan or policy for efficiently accumulating assets for future purposes.

[1886] The AI-driven financial planning system of the present invention allows users to securely share their financial situation and receive customized financial advice in real time. A specific embodiment of this system is described below.

[1887] System Configuration

[1888] The system mainly consists of the following components:

[1889] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[1890] 2. Server: A central processing unit that receives data from users, analyzes it using an AI engine, and returns the results to the user. A cloud environment such as AWS is used.

[1891] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan. It uses Python and TensorFlow.

[1892] 4. Database: A storage system that stores encrypted user financial and market data. Examples include RDS and DynamoDB.

[1893] 5. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[1894] Program processing procedure

[1895] 1. Initial Setup and User Authentication

[1896] When the user's device is used for the first time, a user registration form is displayed, and the user enters the necessary information to register.

[1897] The server encrypts the entered information and stores it securely. When logging in, it authenticates the user and generates a security token, which is then sent back to the user.

[1898] 2. Information gathering and data entry

[1899] The user terminal provides forms for inputting financial information (income, expenses, assets, liabilities, investments, etc.) and electronic payment data from the user, as well as automatic transaction recording functions.

[1900] Users enter the required information, and the app automatically collects it each time a transaction occurs.

[1901] 3. Data analysis and plan generation

[1902] The server sends the collected data to the AI ​​engine for analysis.

[1903] The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends.

[1904] 4. Advising and Educational Resources

[1905] The server, along with the generated plan, selects relevant financial education resources for the user.

[1906] The user device displays customized plans and educational resources for the user.

[1907] 5. Regular review and updates

[1908] The server periodically recollects and reanalyzes market data and the user's latest financial information.

[1909] The AI ​​engine will review the plan based on the new data and use it for the next update.

[1910] The user device will notify the user of the latest information and revisions.

[1911] Specific examples

[1912] For example, if a user wants to make a financial plan for purchasing a home in the future, they can use the system by following the steps below.

[1913] 1. Initial Setup and User Authentication

[1914] Users sign up to the system and register by entering their credentials.

[1915] The server encrypts the information entered and stores it in a database, allowing the user to log into the system.

[1916] 2. Information gathering and data entry

[1917] Users enter financial information such as income, monthly expenses, current savings and loan balances, and the data is automatically collected when making electronic payments.

[1918] The user's device collects this information and sends it to the server, which stores the data in a database.

[1919] 3. Data analysis and plan generation

[1920] The server sends the collected data to the AI ​​engine and begins analysis.

[1921] The AI ​​engine generates optimal savings and investment strategies based on the user's financial situation and suggests steps to achieve future goals.

[1922] The server stores the analysis results and sends them to the user's device.

[1923] 4. Advising and Educational Resources

[1924] The user terminal displays the user's customized plan and related financial education resources.

[1925] 5. Regular review and updates

[1926] Every month, the server reanalyzes market data and the user's latest financial information and reviews the plan.

[1927] The user device will notify the user of the latest information and advice.

[1928] Example prompts to input to the generative AI model

[1929] "Update your savings plan with the following transaction information: Purchase amount=$5,000, Category=Groceries, Transaction date=2023-10-01."

[1930] "Calculate how far users are in reaching their goals and provide up-to-date advice."

[1931] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1932] Step 1:

[1933] The user launches the smartphone app for the first time and performs initial setup and user authentication. The user enters their account information (email address, password, etc.) and clicks the send button. The device encrypts the entered information and sends it to the server. The server stores the received data in a database and generates and returns a security token to the user. This allows the user to log in to the system securely.

[1934] Input: User account information (email address, password)

[1935] Output: Security token

[1936] Step 2:

[1937] The app uses a form for users to enter financial information such as income, expenses, assets, liabilities, and investments. In addition, every time a user makes an electronic payment, the transaction data (purchase amount, transaction location, and category) is automatically recorded in the app. The device collects this financial information and electronic payment data, encrypts it, and sends it to a server. The server stores the received data in a database.

[1938] Input: User's financial information, electronic payment data

[1939] Output: Encrypted financial data

[1940] Step 3:

[1941] The server sends the stored financial data to an AI engine, which then begins analyzing the data. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans based on market data and trends. The analysis results are then sent back to the server, which then generates plans to provide to users.

[1942] Input: Financial data, electronic payment data, market data

[1943] Output: Customized financial plan

[1944] Step 4:

[1945] The server generates a financial plan and selects related financial education resources. This information is encrypted and sent to the device. The user's device displays the plan and educational resources to the user. The user confirms the information and receives instructions for implementation.

[1946] Input: Customized financial plans, financial education resources

[1947] Output: Plans and educational resources displayed to the user

[1948] Step 5:

[1949] The server periodically recollects and reanalyzes the latest market data and the user's latest financial information. Based on the new data, the AI ​​engine revises the plan and reflects it in the next update. The user's device notifies the user of these updates and revisions. The user can check the notifications and readjust their financial strategy as necessary.

[1950] Input: Latest market data, latest financial information for users

[1951] Output: Revised financial plan, notify user

[1952] Example prompts to input to the generative AI model

[1953] "Update your savings plan with the following transaction information: Purchase amount=$5,000, Category=Groceries, Transaction date=2023-10-01."

[1954] "Calculate how far users are in reaching their goals and provide up-to-date advice."

[1955] 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.

[1956] The AI-driven financial planning system incorporating the emotion engine of the present invention recognizes the user's emotional state and provides customized financial advice based on that. An embodiment of this system will be described in detail below.

[1957] System Configuration

[1958] The system mainly consists of the following components:

[1959] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[1960] 2. Server: A central processing unit that receives data from users, analyzes it using the AI ​​engine and emotion engine, and returns the results to the users.

[1961] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[1962] 4. Sentiment Engine: A software component that analyzes user sentiment and tailors financial advice accordingly.

[1963] 5. Database: A storage system that encrypts and stores users' financial, market, and sentiment data.

[1964] 6. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[1965] Program processing procedure

[1966] 1. Initial Setup and User Authentication

[1967] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[1968] 2. Information gathering and data entry

[1969] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[1970] 3. Emotional Data Collection and Analysis

[1971] The device provides an interface to obtain the user's emotional state (e.g., facial recognition camera, voice analysis, text analysis, etc.).

[1972] The user provides emotion data while performing normal operations.

[1973] The server receives the emotion data and sends it to the emotion engine, which analyzes the user's emotional state and stores the results in a database.

[1974] 4. Data analysis and plan generation

[1975] The server sends the stored financial and emotional data to the AI ​​engine and begins analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The emotional engine adjusts the advice it provides based on the emotional data. The server receives the analysis results, generates plans to provide to users, and sends them to the device.

[1976] 5. Advising and Educational Resources

[1977] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[1978] 6. Periodic review and updates

[1979] The server periodically recollects and reanalyzes market data and the user's latest financial and sentiment data. The AI ​​engine and sentiment engine revise the plan based on the new data and use it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[1980] Specific examples

[1981] Let's assume that a user (Mr. Yamada) wants to use this system to prepare funds for his or her child's future education.

[1982] 1. Initial Setup and User Authentication

[1983] Yamada (user) signs up to the system and registers by entering his authentication information.

[1984] The server encrypts the input information and stores it in a database, allowing Yamada to log in to the system.

[1985] 2. Information gathering and data entry

[1986] Yamada (the user) enters financial information such as income, monthly expenses, current savings, and loan balance.

[1987] The device collects this information and sends it to a server, which stores the data in a database.

[1988] 3. Emotional Data Collection and Analysis

[1989] The device provides an interface for collecting Yamada's emotional state (using a facial recognition camera).

[1990] Yamada (user) continues to operate normally. The server collects emotion data and sends it to the emotion engine.

[1991] The emotion engine analyzes Yamada's emotional state and stores the results in a database.

[1992] 4. Data analysis and plan generation

[1993] The server sends the collected data to the AI ​​engine and begins analysis.

[1994] The AI ​​engine generates the optimal education savings plan based on Yamada's financial situation.

[1995] The emotion engine adjusts advice based on Yamada's emotions.

[1996] The server stores the analysis results in a database and sends them to the terminal.

[1997] 5. Advising and Educational Resources

[1998] The device displays Yamada's customized plan and related financial education resources.

[1999] Yamada (the user) reviews the presented plan and obtains information to put it into action.

[2000] 6. Periodic review and updates

[2001] Every month, the server reanalyzes market data and Yamada's latest financial and emotional information and reviews the plan.

[2002] The device will notify Yamada of the latest information and advice.

[2003] Yamada (the user) checks the notification and readjusts his financial strategy as needed.

[2004] The above is a description of the specific embodiment and program processing for implementing the present invention. This system allows users to efficiently and safely manage their own financial information, and not only to create a financial plan that is optimal for them, but also to receive flexible advice tailored to their emotional state.

[2005] The processing flow will be explained below.

[2006] Step 1:

[2007] The device will display a new user registration form, prompting the user to enter information such as name, email address, and password.

[2008] The user enters the necessary information and clicks the registration button.

[2009] The server receives the input information, hashes the password, stores it in the database, and sends a registration completion email to the user.

[2010] Step 2:

[2011] The device displays a login form and prompts the user to enter their email address and password.

[2012] The user enters their login information and clicks the login button.

[2013] The server receives the input and checks it against the hashed password in its database. If there is a match, it generates a security token and sends it back to the user.

[2014] Step 3:

[2015] The device displays a form for entering information such as income, expenses, assets, liabilities, and investments.

[2016] The user enters their financial information into the form and clicks the submit button.

[2017] The server receives the entered data and stores it in a database.

[2018] Step 4:

[2019] The device displays a form for entering financial goals (such as buying a home, saving for your children's education, or saving for retirement).

[2020] The user enters the goal and clicks the submit button.

[2021] The server receives the target data and stores it in a database.

[2022] Step 5:

[2023] The device provides an interface to obtain the user's emotional state (e.g., facial recognition camera, voice analysis, text analysis, etc.).

[2024] The user provides emotion data while performing normal operations.

[2025] The server receives the emotion data and sends it to the emotion engine, which analyzes the user's emotional state and stores the results in a database.

[2026] Step 6:

[2027] The server sends the saved data to the AI ​​engine and begins analysis.

[2028] Based on the data entered, the AI ​​engine calculates income and expenditure balances, assesses the user's financial situation, and incorporates market data and trends to generate optimal investment strategies and savings plans.

[2029] The emotion engine tailors the advice it provides based on the user's emotional data.

[2030] The server receives the analysis results and stores them in a database.

[2031] Step 7:

[2032] The server generates a customized financial plan based on the analysis results.

[2033] The terminal provides an interface for displaying the plan to the user.

[2034] Step 8:

[2035] The server sends the generated plan to the user's interface and also selects relevant educational resources to improve the user's financial literacy.

[2036] The device displays customized plans and educational resources to the user.

[2037] The user reviews the information presented and begins to act based on the advice.

[2038] Step 9:

[2039] Users can check the plan details and use the inquiry function if they have any questions or concerns.

[2040] The device accepts inquiries from users and transfers them to a chatbot or customer support.

[2041] The server analyzes the user's inquiry and provides an appropriate answer.

[2042] Step 10:

[2043] The server periodically recollects users' financial information, market data, and sentiment data and stores them in a database.

[2044] The AI ​​engine will re-analyze the plan based on the latest data and revise it.

[2045] The emotion engine also analyzes new emotion data and adjusts its advice accordingly.

[2046] The server generates updated plans and advice based on the latest analysis results.

[2047] The device will notify the user of the latest information and revisions.

[2048] Users can review the notifications and readjust their financial strategies as needed.

[2049] Example 2

[2050] 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."

[2051] Conventional financial planning systems focus on collecting and analyzing users' financial data, but have the problem of being unable to take into account the user's emotional state. This can result in advice being provided that ignores the user's emotional state, reducing the effectiveness of financial planning. Furthermore, measures to ensure data security can be incomplete, making it difficult to gain user trust.

[2052] 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.

[2053] In this invention, the server includes means for collecting a user's financial data, means for analyzing the collected financial data and generating a financial plan customized for the user, means for collecting and analyzing the user's emotional state, means for adjusting the financial plan based on the emotional state, means for providing the generated financial plan to the user, means for periodically updating market data and the user's financial data for use in the next analysis, and means for ensuring the security of all data used in the above means, thereby enabling the provision of a flexible and secure financial plan that takes the user's emotional state into consideration.

[2054] "Your Financial Data" means data detailing your financial situation, including your income, expenses, assets, liabilities, and investments.

[2055] "Customized Financial Plan" refers to an optimal investment strategy or savings plan generated based on a user's individual financial data and emotional state.

[2056] "Means for collecting emotional states" refers to interfaces for detecting emotional states, such as facial recognition cameras, voice analysis, and text analysis.

[2057] "Means for analyzing emotional state" refers to algorithms or software that analyze the collected emotional data and identify the user's current emotional state.

[2058] "Means for adjusting the financial plan" refers to a system component for optimizing the content of the financial plan generated based on the emotional data to match the user's emotional state.

[2059] "Market Data" means current market conditions and economic data used to generate and adjust your financial plan.

[2060] "Security measures" refers to encryption technologies and access control mechanisms to ensure the confidentiality and security of all data collected and stored.

[2061] "Financial education resources" refers to information, educational materials, websites, e-books, etc. provided to help users deepen their financial knowledge.

[2062] "Chatbots or customer support tools" refers to automated programs that respond to user inquiries or human staff that provide customer service.

[2063] The AI-driven financial planning system incorporating the emotion engine of the present invention recognizes the user's emotional state and provides customized financial advice based on that. An embodiment of this system will be described in detail below.

[2064] The system mainly consists of the following components:

[2065] 1. User device: A device (e.g., smartphone, tablet, PC, etc.) that provides an interface for users to enter financial information and receive financial plans and advice.

[2066] 2. Server: A central processing unit that receives data from users, analyzes it using the AI ​​engine and emotion engine, and returns the results to the users.

[2067] 3. AI Engine: A software component that analyzes a user's financial information and generates a customized financial plan.

[2068] 4. Sentiment Engine: A software component that analyzes user sentiment and tailors financial advice accordingly.

[2069] 5. Database: A storage system that encrypts and stores users' financial, market, and sentiment data.

[2070] 6. Chatbots and customer support: Automated response systems and support teams that respond to user queries.

[2071] Initial Setup and User Authentication

[2072] When the device is used for the first time, a user registration form is displayed and the user enters the necessary information to register. The server encrypts the entered information and stores it securely. When logging in, the server authenticates the user and generates a security token, which is then sent back to the user.

[2073] Information gathering and data entry

[2074] The terminal provides a form for users to enter their financial information (income, expenses, assets, liabilities, investments, etc.) and financial goals. The user enters the required information and clicks the submit button. The server receives the entered data and stores it in a database.

[2075] Emotion data collection and analysis

[2076] The device provides an interface to acquire the user's emotional state (e.g., face recognition camera, voice analysis, text analysis, etc.). The user provides emotional data while performing normal operations. The server receives the emotional data and sends it to the emotion engine. The emotion engine analyzes the user's emotional state and stores the results in a database.

[2077] Data analysis and plan generation

[2078] The server sends the stored financial and emotional data to the AI ​​engine and begins analysis. The AI ​​engine calculates income and expenditure balances and generates optimal investment strategies and savings plans for users based on market data and trends. The emotional engine adjusts the advice it provides based on the emotional data. The server receives the analysis results, generates plans to provide to users, and sends them to the device.

[2079] Advising and Educational Resources

[2080] The server selects the generated plan and relevant financial education resources for the user. The terminal displays the customized plan and educational resources to the user. The user reviews the presented information and begins taking action based on the advice.

[2081] Regular review and updates

[2082] The server periodically recollects and reanalyzes market data and the user's latest financial and sentiment data. The AI ​​engine and sentiment engine revise the plan based on the new data and use it for the next update. The device notifies the user of the latest information and revisions. The user checks the notification and readjusts their financial strategy as necessary.

[2083] Specific examples

[2084] Let's assume that a user wants to use this system to prepare funds for their child's future education.

[2085] Initial Setup and User Authentication

[2086] Users sign up to the system and register by entering their credentials.

[2087] The server encrypts the information entered and stores it in a database, allowing the user to log into the system.

[2088] Information gathering and data entry

[2089] Users enter financial information such as income, monthly expenses, current savings, and loan balances.

[2090] The device collects this information and sends it to a server, which stores the data in a database.

[2091] Emotion data collection and analysis

[2092] The device provides an interface to collect the user's emotional state (e.g., using a facial recognition camera).

[2093] The user continues to operate normally. The server collects emotion data and sends it to the emotion engine.

[2094] The emotion engine analyzes the user's emotional state and stores the results in a database.

[2095] Data analysis and plan generation

[2096] The server sends the collected data to the AI ​​engine and begins analysis.

[2097] The AI ​​engine generates the optimal education savings plan based on the user's financial situation.

[2098] The emotion engine tailors advice based on the user's emotions.

[2099] The server stores the analysis results in a database and sends them to the terminal.

[2100] Advising and Educational Resources

[2101] The device displays a customized plan and related financial education resources to the user.

[2102] Users can review the presented plan and get the information they need to put it into action.

[2103] Regular review and updates

[2104] Every month, the server reanalyzes market data and users' latest financial and sentiment data and reviews the plan.

[2105] The device will notify the user of the latest information and advice.

[2106] Users can review the notifications and readjust their financial strategies as needed.

[2107] Prompt Sentence Examples

[2108] "You input the user's financial information and then generate a customized financial plan based on the analysis of the sentiment and AI engines, taking into account the user's emotional data."

[2109] This system not only enables users to efficiently and securely manage their financial information and create the financial plan that best suits them, but also allows them to receive flexible advice tailored to their emotional state.

[2110] The flow of the identification process in the second embodiment will be described with reference to FIG.

[2111] Step 1:

[2112] Initial Setup and User Authentication

[2113] Specific behavior:

[2114] The terminal displays a new user registration form.

[2115] The user enters the required information (e.g., name, email address, password) and submits.

[2116] The server receives the entered information, encrypts it, stores it in a database, and generates a security token that is sent back to the user.

[2117] Input and Output:

[2118] Input: User registration information (name, email address, password).

[2119] Output: Encrypted user information and a security token.

[2120] Step 2:

[2121] Information gathering and data entry

[2122] Specific behavior:

[2123] The terminal displays a form for entering financial information.

[2124] Users enter financial information such as income, monthly expenses, current savings, and loan balances.

[2125] The terminal transmits the entered financial data to the server.

[2126] The server stores the received data in a database.

[2127] Input and Output:

[2128] Input: Your financial information (income, expenses, assets, liabilities, investments, etc.).

[2129] Output: Financial information stored in a database.

[2130] Step 3:

[2131] Emotion data collection and analysis

[2132] Specific behavior:

[2133] The device activates an emotion data collection interface (facial recognition camera, voice analysis, text analysis, etc.).

[2134] The user continues to operate and provides emotional data.

[2135] The server receives the emotion data and sends it to the emotion engine.

[2136] The emotion engine analyzes the emotion data and stores the results in a database.

[2137] Input and Output:

[2138] Input: Emotion data (results of facial recognition, speech analysis, and text analysis).

[2139] Output: Parsed emotional state data.

[2140] Step 4:

[2141] Data analysis and plan generation

[2142] Specific behavior:

[2143] The server sends the stored financial and emotional data to the AI ​​engine and begins analysis.

[2144] The AI ​​engine calculates balances and uses market data and trends to generate optimal investment strategies and savings plans.

[2145] The emotion engine tailors advice based on emotion data.

[2146] The server receives the analysis results, generates a plan to provide to the user, and sends it to the terminal.

[2147] Input and Output:

[2148] Input: User financial data, sentiment data, market data.

[2149] Output: A customized financial plan.

[2150] Step 5:

[2151] Advising and Educational Resources

[2152] Specific behavior:

[2153] The server, along with the generated plan, selects relevant financial education resources for the user.

[2154] The device displays customized plans and educational resources for the user.

[2155] The user reviews the information presented and begins to act on the advice.

[2156] Input and Output:

[2157] Input: customized financial plans, educational resources.

[2158] Output: The plans and educational resources that are displayed to the user.

[2159] Step 6:

[2160] Regular review and updates

[2161] Specific behavior:

[2162] The server periodically recollects and reanalyzes market data and users' latest financial and sentiment information.

[2163] AI and emotion engines revise plans based on new data.

[2164] The server notifies the terminal of the review results.

[2165] Users can review the notifications and readjust their financial strategies as needed.

[2166] Input and Output:

[2167] Inputs: Market data, latest financial information, sentiment data.

[2168] Output:Reviewed financial plan, notification.

[2169] (Application example 2)

[2170] 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."

[2171] Conventional financial planning systems can only provide financial advice based on a user's rigid financial information. This makes it difficult to provide flexible, personalized advice that takes into account the user's emotional state. Furthermore, there are also insufficient systems equipped with financial education resources and inquiry response functions based on the user's emotional state. This invention solves these problems and provides a system that provides financial planning that is more tailored to the user.

[2172] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[2173] In this invention, the server includes means for collecting a user's financial data, means for analyzing the collected financial data and generating a financial plan customized for the user, means for recognizing the user's emotional state and customizing financial advice based on the emotional state, means for providing the generated financial plan to the user, means for periodically updating market data and the user's financial data for use in the next analysis, and means for ensuring the security of all data used in the above means, thereby enabling financial planning and flexible advice that takes the user's emotional state into account.

[2174] A "means for collecting user financial data" is any device or software that receives information entered by a user about income, expenses, assets, liabilities, and investments.

[2175] A "means for generating a customized financial plan" is a device or software that analyzes collected financial data and creates an optimal financial strategy or savings plan tailored to the individual circumstances of each user.

[2176] "Means for recognizing the user's emotional state" refers to a device or software that uses a device such as a camera or microphone to identify emotions from the user's facial expressions and voice.

[2177] A "means for customizing financial advice based on emotions" is a device or software for providing the most appropriate financial advice to a user based on recognized emotional data.

[2178] A "means for providing a generated financial plan to a user" is a device or software for displaying or notifying a user of a generated financial plan.

[2179] "Means for regularly updating market data and user financial data" refers to devices or software that obtain the latest market trends and new financial information for users at any time and keep the data in the system up to date.

[2180] "Data security measures" are devices or software that ensure that collected and stored data is protected from unauthorized access or disclosure.

[2181] A "means for providing financial education resources" is a device or software that displays or provides educational materials or content that enables users to learn financial knowledge.

[2182] "Automated response system or support team means" means a device or software that provides an automated response system or a mechanism for human operators to respond to user inquiries.

[2183] The present invention relates to an AI-driven financial planning system that recognizes a user's emotional state and provides emotion-based customized financial advice. The system consists of the following components:

[2184] 1. User Device

[2185] The user device is typically a smartphone, tablet, or PC, and provides an interface for users to input their financial information and receive customized financial plans and advice. It can also capture the user's emotional state using a camera or microphone.

[2186] 2. Server

[2187] The server is a central processing unit that receives financial and sentiment data sent by users and analyzes them using the AI ​​engine and sentiment engine. It is also responsible for data storage, security management, and market data updates.

[2188] 3. AI Engine

[2189] The AI ​​engine is a software component that analyzes collected financial data and generates optimal financial plans for users. It calculates income and expenditure balances and provides investment strategies and savings plans tailored to users based on market data.

[2190] 4. Emotion Engine

[2191] The emotion engine is a software component that analyzes users' emotional data and customizes financial advice based on the results. It uses facial recognition cameras, voice analysis software, and text analysis software to recognize users' emotions.

[2192] 5. Database

[2193] The database is a storage system that encrypts and stores users' financial data, sentiment data, and market data, allowing for data management while maintaining high security.

[2194] 6. Chatbots and Customer Support

[2195] Chatbots and customer support are automated response systems and support teams that respond to user inquiries and concerns, allowing users to receive prompt and appropriate support.

[2196] Program processing

[2197] The server sends the financial and emotional data collected from users to the AI ​​engine and the emotion engine for data analysis, and periodically updates market data and users' financial data to keep the information in the database up to date.

[2198] The AI ​​engine calculates the user's balance and generates an optimal financial plan based on market data and trends, while the emotion engine adjusts the advice provided based on the user's emotional data.

[2199] The device provides users with a customized financial plan based on the analysis results, and also displays financial education resources to help users acquire appropriate financial knowledge.

[2200] Specific examples

[2201] For example, let's say a user (let's call him User A) wants to use this system to prepare for future education expenses. User A enters financial information such as income, monthly expenses...

Claims

1. means of collecting users' financial data; a means for analyzing the collected financial data and generating a customized financial plan for the user; a means for providing the generated financial plan to the user; A means of periodically updating market data and user financial data for use in the next analysis; A system including means for ensuring the security of all data used in the above means.

2. 10. The system of claim 1, further comprising means for providing relevant financial education resources to the user.

3. The system according to claim 1, further comprising a chatbot or customer support means for responding to inquiries and questions from users.

Images