System

Abstract

A system is provided.SOLUTION: A system comprising: means for receiving user information and creating a user account; means for automatically acquiring user balance information and analyzing and visualizing the result thereof; means for setting a saving goal and a financial goal based on the user balance data and proposing an achievement plan thereof; means for providing a community function that allows users to share information related to savings and expenses; means for providing educational content and specialized advice related to finance; means for monitoring user balance and goal achievement status and generating an alert when deviating from the goal; and means for implementing a high security function and protecting user confidentiality.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] Patent document 1 discloses a persona chatbot control method performed by at least one processor, the method including the steps of receiving a user utterance, adding the user utterance to a prompt including an instruction sentence related to a description of the chatbot character, encoding the prompt, and inputting the encoded prompt into a language model to generate a chatbot utterance in response to the user utterance. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2022-180282 Summary of the Invention [Problem to be solved by the invention]

[0004] In modern society, many people are concerned about managing their income and expenses. Reasons for this include a lack of financial knowledge, difficulty accurately grasping income and expenses, lack of time, and a sense of inadequacy when it comes to managing their finances. This concern is exacerbated in times of rising prices and economic uncertainty. Given this background, there is a demand for systems to effectively manage household finances, but current tools and methods do not fully meet users' needs. [Means for solving the problem]

[0005] In order to solve the above problems, the present invention provides a household management system that includes the following elements: means for receiving user information and creating an account, means for automatically acquiring, analyzing, and visualizing the user's income and expenditure information, means for setting savings and financial goals based on income and expenditure data and proposing plans to achieve those goals, means for providing a community function that allows users to share information with each other, means for providing financial educational content and expert advice, means for monitoring the user's income and expenditure and goal achievement status and generating alerts when the user deviates from the goals, and means for implementing high security functions to protect the confidentiality of users.

[0006] The system also includes a means for allowing a user to input income and fixed expenditure information during initial setup and for storing this initial setup information in the database. It also includes a means for linking the user's bank account and credit card information, periodically acquiring income and expenditure data, and updating the income and expenditure database based on this linked information. In this way, the present invention provides comprehensive support for users to manage their household finances comfortably and efficiently.

[0007] "Account Creation" is the process of registering a new user account in the system based on the user's personal information.

[0008] "Income and expenditure information" is a general term for data regarding a user's income and expenses, and is used to analyze the financial situation.

[0009] "Visualization" means displaying income and expenditure information and other data in a format that is easy for users to understand (such as graphs and charts).

[0010] A "savings goal" is a specific goal for reducing spending that a user aims to achieve within a certain period of time.

[0011] "Financial goals" are long-term economic goals set to increase income or accumulate assets.

[0012] An "achievement plan" is a set of specific steps and methods for achieving a set goal.

[0013] The "community function" is an online function that allows users to exchange information and support each other.

[0014] "Educational Content" means articles, videos, tutorials, and other information provided to help users become financially literate.

[0015] "Professional advice" means specific advice or guidance provided by a professional in financial management.

[0016] An "alert" is a warning message that the system notifies the user when the user's income, expenditure, or behavior deviates from a pre-set goal.

[0017] "Security features" are technical measures to protect user data and personal information.

[0018] "Initial setting information" is basic data regarding income and fixed expenses that users enter when they start using the system.

[0019] "Linked information" is data used to synchronize a user's bank account and credit card information with the system.

[0020] A "database" is a system for centrally managing and storing users' income and expenditure information and personal information. [Brief explanation of the drawings]

[0021] [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

[0022] 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.

[0023] First, the terms used in the following description will be explained.

[0024] 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).

[0025] 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.

[0026] 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.

[0027] 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.

[0028] 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."

[0029] [First embodiment]

[0030] FIG. 1 shows an example of the configuration of a data processing system 10 according to the first embodiment.

[0031] 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.

[0032] 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).

[0033] 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.

[0034] 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.

[0035] 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.

[0036] 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.

[0037] FIG. 2 shows an example of the main functions of the data processing device 12 and the smart device 14.

[0038] 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.

[0039] 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.

[0040] 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.

[0041] 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."

[0042] This invention relates to a household management system that improves the efficiency of users' income and expenditure management and supports goal achievement. The system includes multiple means for receiving user information and realizing account creation, income and expenditure visualization, goal setting, community functions, provision of educational content, alert generation, and security management.

[0043] Explanation of program processing

[0044] User registration and initial settings

[0045] 1. Create a user account:

[0046] A user accesses the system and creates an account by entering their name, email address, and password.

[0047] The device sends this information to the server and requests account creation.

[0048] The server registers the new account in the database based on the received information.

[0049] 2. Initial Setup Information:

[0050] As an initial setup, the user enters income information and monthly fixed expenses (e.g. rent, utility bills, etc.).

[0051] The terminal sends this information to the server, and the initial setting information is stored in a database.

[0052] Visualization of income and expenditure

[0053] 1. Acquiring income and expenditure data:

[0054] Users link their bank accounts and credit cards to the system.

[0055] The server periodically obtains the latest income and expenditure data from the partner and updates the database.

[0056] 2. View your balance data:

[0057] The device displays income and expenditure information in graphs and charts, allowing users to easily understand the current situation.

[0058] Goal setting and plan proposal

[0059] 1. Goal Setting:

[0060] AI running on the server analyzes users' income and expenditure data and sets appropriate savings and financial goals.

[0061] For example, generate a specific savings plan such as "reduce eating out expenses by 5,000 yen per month."

[0062] 2. Plan presentation:

[0063] The device presents the goals and plan to the user and asks for approval.

[0064] Community Features

[0065] 1. Information sharing:

[0066] Users can use the in-app community feature to share savings information and experiences with other users.

[0067] The server stores posts and comments in a database and notifies other users.

[0068] Educational content and advice

[0069] 1. Providing educational content:

[0070] The server selects educational articles and video tutorials on finance and delivers them to users at the appropriate time.

[0071] The device displays educational content to the user to help them learn.

[0072] Budget Management and Alerts

[0073] 1. Balance analysis and alert generation:

[0074] The server monitors users' income and expenditure data in real time and generates alerts if the data deviates from the set goals.

[0075] The device will notify the user of the alert and encourage them to review their budget.

[0076] Security Features

[0077] 1. Data Protection:

[0078] The server protects users' personal information through data encryption and multi-factor authentication.

[0079] The device provides users with security settings that they can customize as needed.

[0080] Specific examples

[0081] Example 1: User A's household finances

[0082] 1. User A installs the app and creates an account by entering their name, email address, and password.

[0083] The device sends this information to the server and the account is registered in the database.

[0084] 2. As an initial setup, Mr. A enters his monthly income and major expenditure items (rent, utilities, etc.).

[0085] The device sends this information to the server, where it is stored in a database.

[0086] 3. Person A links their bank account and credit card to the app.

[0087] The server periodically retrieves the latest income and expenditure data and updates the database.

[0088] 4. The AI ​​analyzes Mr. A's income and expenditure data, sets a goal of "saving 3,000 yen per month on eating out," and presents a specific plan.

[0089] The device notifies Person A of the goal and plan, and Person A approves.

[0090] 5. Mr. A uses the community function to share tips for saving on food costs with other users and exchange information.

[0091] The server stores the post and notifies other users.

[0092] 6. The progress of income and expenditure is displayed in real time, and if there is any deviation from the target, an alert will be sent to Mr. A's device.

[0093] This allows Mr. A to immediately review his spending.

[0094] 7. The security features protect Mr. A's personal information and financial data, allowing him to use the app with peace of mind.

[0095] In this way, this system provides comprehensive support for users to manage their household finances comfortably and efficiently.

[0096] The processing flow will be explained below.

[0097] Program processing details

[0098] User registration and initial settings

[0099] Step 1:

[0100] The user enters their name, email address, and password on the "Create Account" screen and presses the submit button.

[0101] Step 2:

[0102] The terminal transmits the input information to the server.

[0103] Step 3:

[0104] The server creates a new account in the database based on the information received.

[0105] Step 4:

[0106] The server returns a success message to the terminal.

[0107] Step 5:

[0108] The device will display a success message to the user and then transition to the initial setup screen.

[0109] Step 6:

[0110] The user enters income information and monthly fixed expenses (e.g. rent, utilities, etc.) and presses the submit button.

[0111] Step 7:

[0112] The terminal transmits the input information to the server.

[0113] Step 8:

[0114] The server stores the received initial configuration information in a database.

[0115] Visualization of income and expenditure

[0116] Step 9:

[0117] Users link their bank account and credit card information from the settings screen within the app.

[0118] Step 10:

[0119] The device sends the link information to the server, and the server obtains income and expenditure data from banks and credit card companies via API.

[0120] Step 11:

[0121] The server stores the acquired income and expenditure data in a database and updates it periodically.

[0122] Step 12:

[0123] The device displays the income and expenditure data to the user in graphs and charts, providing a visual overview of the income and expenditure.

[0124] Goal setting and plan proposal

[0125] Step 13:

[0126] AI on the server analyzes income and expenditure data and sets savings and financial goals for users.

[0127] Step 14:

[0128] The server sends the set goals and achievement plan (e.g., "reduce eating out expenses by 5,000 yen per month") to the terminal.

[0129] Step 15:

[0130] The device will notify the user of their goals and plans and ask for approval or adjustment.

[0131] Step 16:

[0132] The user reviews the goals and plan and presses a button to approve.

[0133] Step 17:

[0134] The device sends the approval information to the server, which stores the goals and plans in a database.

[0135] Community Features

[0136] Step 18:

[0137] Users access the community screen and post and comment on savings.

[0138] Step 19:

[0139] The device sends posts and comments to a server, which stores this information in a database.

[0140] Step 20:

[0141] The server notifies other users of new posts, encouraging information sharing.

[0142] Educational content and advice

[0143] Step 21:

[0144] The server selects appropriate financial education content based on user behavioral data.

[0145] Step 22:

[0146] The device delivers selected educational content (e.g., videos, articles) to the user.

[0147] Step 23:

[0148] Users can watch and learn educational content to improve their knowledge.

[0149] Budget Management and Alerts

[0150] Step 24:

[0151] The server analyzes the user's income and expenditure data in real time and generates alerts if the target is deviated from.

[0152] Step 25:

[0153] The device pushes the generated alert to the user.

[0154] Step 26:

[0155] Users check the alerts and review their income and expenses and budgets.

[0156] Security Features

[0157] Step 27:

[0158] The server encrypts users' personal and financial data to keep it safe within the database.

[0159] Step 28:

[0160] The device provides users with security settings that they can customize as needed.

[0161] Step 29:

[0162] The user reviews the security settings and makes any necessary changes.

[0163] Through these specific processing steps, the present system can provide comprehensive support to help users manage their household finances comfortably and efficiently.

[0164] Example 1

[0165] 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."

[0166] Today's users spend a lot of time and effort managing their income and expenses, making it difficult to manage their household finances efficiently and achieve their goals. Other issues include a lack of forums for users to share information, a lack of real-time monitoring of income and expense data, and a lack of appropriate advice for achieving goals. Furthermore, there are cases where users' personal information is not adequately protected, creating a need for a household finance management system that can solve these problems.

[0167] 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.

[0168] In this invention, the server includes: means for receiving user information and creating a user account; means for allowing a user to input income and fixed expenditure information during initial setup and saving the initial setup information in a database; means for linking the user's bank account and payment card information and periodically acquiring income and expenditure data; means for analyzing and visualizing the acquired income and expenditure data; means including a generative AI model for setting savings and financial goals based on the user's income and expenditure data and providing a plan for achieving those goals; means for providing a community function where users can share information about savings and expenditures; means for providing financial educational content and expert advice; means for monitoring the user's income and expenditure and goal achievement status in real time and generating an alert if the goal is deviated from; and means for implementing high security functions to protect the user's confidentiality. This allows users to efficiently manage their income and expenditures, support goal achievement, and safely use the system while protecting their personal information.

[0169] "User Account" means a set of personal identification information created for a User to use the System.

[0170] "Initial setting information" refers to basic financial information such as income and fixed expenses, which is entered by the user when they start using the system.

[0171] A "bank account" is an account at a financial institution that manages information about a user's deposits and transactions.

[0172] "Payment Card Information" means information relating to cards used in transactions, such as credit cards or debit cards.

[0173] "Income and Expenditure Data" refers to detailed information about your income and expenses, which indicates your financial situation.

[0174] A "generative AI model" is a model that uses artificial intelligence technology to analyze income and expenditure data and set appropriate savings and financial goals.

[0175] The "community function" allows users to share information about savings and spending and exchange opinions.

[0176] "Educational content" refers to educational materials, such as financial articles and video tutorials, that are designed to improve users' financial literacy.

[0177] An "alert" is a warning message that notifies the user when a deviation from the target occurs.

[0178] "Security features" are features for protecting users' personal information and financial data, including data encryption and two-factor authentication.

[0179] This invention relates to a household management system that improves the efficiency of users' income and expenditure management and supports goal achievement. The system receives user information and includes multiple means for realizing account creation, income and expenditure visualization, goal setting, community functions, educational content provision, alert generation, and security management.

[0180] Creating and initializing a user account

[0181] Users access the system using a device such as a smartphone or PC and create an account by entering their name, email address, and password. The device encrypts this information and sends it to the server, which then registers the new account in the database based on the received information. Next, the user enters their monthly income information and fixed expenses (rent, utility bills, etc.), and the device sends this information to the server, which saves the initial setup information in the database.

[0182] Visualization of income and expenditure

[0183] Users connect their bank account and payment card information to the system, and the server periodically calls the API of the connected device to obtain the latest balance data. The server then stores the obtained balance data in a database, and the device displays the balance information in graphs and charts, allowing users to easily understand the current situation.

[0184] Goal setting and plan proposal

[0185] The generative AI model running on the server analyzes the user's income and expenditure data and sets appropriate savings and financial goals. For example, by analyzing past data, it generates a specific savings plan such as "reducing eating out expenses by 5,000 yen per month." The server then sends the generated goal and plan to the device, which notifies the user and asks for their approval.

[0186] Community Features

[0187] Users can use the community page to share their savings information and experiences with other users. The device sends the user's posts to the server, which then stores them in a database and notifies other users.

[0188] Educational content and advice

[0189] The server periodically selects educational articles and video tutorials on finance and dynamically delivers them to users based on their financial situation. The device displays the delivered educational content to users to support their learning.

[0190] Budget Management and Alerts

[0191] The server monitors users' income and expenditure data in real time and generates an alert if the user deviates from the set goal. The device notifies the user of the alert and encourages them to review their budget.

[0192] Security Features

[0193] The server protects the user's personal information using data encryption and two-factor authentication. The device provides the user with security configuration options (e.g., enabling two-factor authentication or changing passwords), and sends the configuration settings to the server for storage.

[0194] Specific examples

[0195] User A's household finances

[0196] Person A installs the app and creates an account by entering their name, email address, and password. Next, Person A enters their monthly income and major expenditure items, which their device sends to the server. Person A then connects their bank account and payment card to the app, and the server periodically retrieves income and expenditure data and updates the database. The generative AI model then analyzes Person A's data and sets a goal, such as "save 3,000 yen per month on food expenses." Person A can use the community function to share their savings information with other users, check their income and expenditure progress in real time, and receive alerts if they deviate from their goal, allowing them to immediately review their spending.

[0197] Example prompt sentence:

[0198] User A:

[0199] Monthly salary: 300,000 yen

[0200] Fixed expenses: Rent 70,000 yen, Utilities 10,000 yen, Communication 5,000 yen

[0201] Variable expenses: Food 30,000 yen, Dining out 15,000 yen, Hobbies 20,000 yen

[0202] Analyze Mr. A's monthly income and expenditure data and propose a specific savings plan. For example, a specific proposal such as "reducing eating out expenses by 3,000 yen per month."

[0203] In this way, the system is designed to enable users to efficiently manage their income and expenditures, support them in achieving their goals, and enable them to use the system safely while protecting their personal information.

[0204] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0205] Step 1:

[0206] Creating a user account

[0207] Input: The user enters their name, email address, and password.

[0208] How it works: A user accesses the system, enters the required information into the form, and then presses the "Register" button. The device encrypts this information and sends it to the server.

[0209] Data processing: The server stores the received information in a database and creates a new account.

[0210] Output: The server sends a message to the device that the account has been created, and the device notifies the user.

[0211] Step 2:

[0212] Entering the Initial Configuration Information

[0213] Input: The user enters monthly income information and fixed expenses (rent, utilities, etc.).

[0214] How it works: The user enters this information into a form within the app and presses the "Save" button. The device then sends this information to the server.

[0215] Data processing: The server stores the received initial setting information in a database.

[0216] Output: The server sends a message to the terminal that initial setup is complete, and the terminal notifies the user.

[0217] Step 3:

[0218] Acquisition and storage of income and expenditure data

[0219] Input: User connects bank account or payment card information.

[0220] How it works: The user connects their bank account and payment card information within the app, and the server periodically calls the connected API.

[0221] Data processing: The server obtains the latest income and expenditure data from the partner and stores it in the database.

[0222] Output: The acquired income and expenditure data is saved in the database.

[0223] Step 4:

[0224] Visualization of income and expenditure data

[0225] Input: The server receives a request to retrieve financial data.

[0226] Operation: The terminal sends a request to the server to display the balance data, and the server retrieves the balance data from the database.

[0227] Data processing: The server generates data that converts the income and expenditure data into graphs and charts.

[0228] Output: The server sends the generated data to the terminal, which generates graphs and charts and displays them to the user.

[0229] Step 5:

[0230] Goal setting and plan presentation

[0231] Input: The server inputs income and expenditure data into the generative AI model.

[0232] How it works: A generative AI model on the server analyzes income and expenditure data and sets appropriate savings and financial goals.

[0233] Data processing: The AI ​​model generates specific savings goals and plans as a result of the analysis.

[0234] Output: The server sends the generated goal and plan to the terminal, which notifies the user and asks for approval.

[0235] Step 6:

[0236] Use of community features

[0237] Input: Users enter comments or posts about savings or expenses.

[0238] How it works: A user accesses a community page, enters information, and presses the submit button. The device then sends the post to the server.

[0239] Data processing: The server saves the posted content in a database and notifies other users.

[0240] Output: Other users' devices display new posts and comments.

[0241] Step 7:

[0242] Educational content distribution

[0243] Input: The server decides when to deliver.

[0244] How it works: A server dynamically selects and delivers educational financial articles and video tutorials.

[0245] Data processing: The server selects and distributes the content according to the user's financial situation.

[0246] Output: The device displays the delivered educational content to the user.

[0247] Step 8:

[0248] Budget management and alert notifications

[0249] Input: The server monitors your balance data in real time.

[0250] Action: Generates an alert if the server deviates from the set goals.

[0251] Data processing: The server detects target deviation events and generates alert messages.

[0252] Output: The server sends an alert to the terminal, which notifies the user.

[0253] Step 9:

[0254] Implementing security features

[0255] Input: User information, income and expenditure data

[0256] How it works: The server implements data encryption and two-factor authentication to protect user data.

[0257] Data processing: The server encrypts the data and adds an authentication process.

[0258] Output: Security-enhanced user data is protected.

[0259] (Application example 1)

[0260] 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."

[0261] In modern society, many users need a way to efficiently manage their income and expenses and achieve their goals. However, traditional methods require users to manually record their income and expenses, making it difficult to obtain the information and advice they need, and raising security concerns. Furthermore, they lack the ability to automatically present specific plans for achieving goals and community features for sharing information with other users. To address these issues, improvements to income and expense management systems are needed.

[0262] 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.

[0263] In this invention, the server includes: means for receiving user information and creating a user account; means for automatically acquiring the user's income and expenditure information and analyzing and visualizing the results; means for setting savings and financial goals based on the user's income and expenditure data and proposing plans to achieve those goals; means for providing a community function that allows users to share information about savings and expenditures; means for providing financial educational content and expert advice; means for monitoring the user's income and expenditure and goal achievement status and generating alerts if the goal is deviated from; means for implementing high security functions to protect the user's confidentiality; means for the user to link with a bank account or electronic money and manage income and expenditure in real time; and means for analyzing the user's spending patterns and automatically proposing financial goals using AI. This enables users to efficiently manage their income and expenditure and share information with peace of mind while being supported in achieving their goals.

[0264] "User" means an individual who uses this system to manage their income and expenses.

[0265] "Account" refers to the authentication information that allows a user to access the system and manage individual information.

[0266] "Income and Expenditure Information" means data regarding a User's income and expenses.

[0267] "Automatically acquired" means that the system collects data without manual intervention.

[0268] "Visualization" refers to the display of data in a visual form such as a graph or chart.

[0269] A "savings goal" is a specific numerical target set by the user for reducing spending.

[0270] "Financial goals" are specific numerical targets set by users for future earnings and asset formation.

[0271] "Achievement Plan" refers to the action plan proposed by the system to achieve the set goal.

[0272] The "community function" is a function that allows users to share information and interact with each other.

[0273] "Educational Content" means educational materials or resources that provide information about financial management and savings methods.

[0274] "Professional advice" means guidance or advice from a person with specialized financial management expertise.

[0275] "Monitoring" means that the system constantly checks users' income and expenditure information and goal achievement status.

[0276] An "alert" is a warning notification sent by the system to the user when deviations from set goals occur.

[0277] "Security Features" refers to the safety measures that the system takes to protect users' personal and financial information.

[0278] "Confidentiality" refers to the protection of user information so that it is not leaked to third parties.

[0279] "Integration" refers to the system connecting with external services such as bank accounts and electronic money and exchanging data.

[0280] "Real-time" refers to data and information that is updated immediately.

[0281] "Spending patterns" refers to data that shows a user's past consumption behavior and tendencies.

[0282] "AI" stands for artificial intelligence, a technology that automatically makes decisions and makes suggestions through machine learning and data analysis.

[0283] In this invention, a system program for improving the efficiency of income and expenditure management and supporting goal achievement is implemented based on the following.

[0284] User registration and initial settings

[0285] 1. Create a user account:

[0286] Users create an account by entering their name, email address, password, etc. from their device (smartphone or tablet).

[0287] The server receives this information and registers the new account in a database (e.g. MongoDB).

[0288] 2. Initial Setup Information:

[0289] The user enters their income and fixed expenditure items (e.g. rent, utility bills) and sends this information to the server.

[0290] The server stores the received information in a database.

[0291] Visualization of income and expenditure

[0292] 1. Acquiring income and expenditure data:

[0293] Users link their bank accounts and credit cards to the system.

[0294] The server periodically obtains the latest income and expenditure data from partners via API and updates the database.

[0295] 2. View your balance data:

[0296] The device displays income and expenditure information in graphs and charts, allowing users to easily understand their current situation.

[0297] Goal setting and plan proposal

[0298] 1. Goal Setting:

[0299] The server analyzes income and expenditure data using an AI model (e.g., TensorFlow) and sets savings and financial goals.

[0300] For example, generate a specific savings plan such as "reducing eating out expenses by 5,000 yen per month."

[0301] 2. Plan presentation:

[0302] The device presents the user with goals and plans and asks for approval.

[0303] Community Features

[0304] 1. Information sharing:

[0305] Users can use the in-app community feature to share savings information and experiences with other users.

[0306] The server stores posts and comments in a database and notifies other users.

[0307] Educational content and advice

[0308] 1. Providing educational content:

[0309] The server selects educational financial articles and video tutorials and delivers them at the appropriate time.

[0310] The device displays educational content to users to help them learn.

[0311] Budget Management and Alerts

[0312] 1. Balance analysis and alert generation:

[0313] The server monitors income and expenditure data in real time and generates alerts if the data deviates from set targets.

[0314] The device will notify the user of the alert and encourage them to review their budget.

[0315] Security Features

[0316] 1. Data Protection:

[0317] The server protects user personal information through data encryption (e.g., AWS KMS) and multi-factor authentication (e.g., Twilio).

[0318] The device provides users with security settings that they can customize as needed.

[0319] Specific examples

[0320] Users set a goal of "keeping food expenses under 10,000 yen this month." Based on this goal, the AI ​​model analyzes past spending data and suggests in real time which items can be reduced. If the user deviates from the goal, the app will send a notification and encourage them to review their budget.

[0321] Prompt Sentence Examples

[0322] Prompt statement:

[0323] "Please explain how the app can set a goal of keeping food expenses under 10,000 yen this month, and then use past spending data to suggest which items can be reduced in real time. Also, explain how the app will notify the user if they deviate from their budget."

[0324] The system is a comprehensive solution that helps users effectively manage their finances and get help in achieving their goals.

[0325] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0326] Step 1:

[0327] Create a user account

[0328] Input: The user enters their name, email address, and password on their device.

[0329] Specific operation: The terminal sends the entered information to the server.

[0330] Data processing / calculation: The server registers the received information in a database.

[0331] Output: A new user account is created.

[0332] Step 2:

[0333] Entering the Initial Configuration Information

[0334] Input: The user enters their income and fixed expenses (e.g. rent, utility bills) into the terminal.

[0335] Specific operation: The terminal sends the entered income and fixed expenditure information to the server.

[0336] Data processing / calculation: The server stores the initial setting information in a database.

[0337] Output: The user's income and expenditure information is reflected in the system.

[0338] Step 3:

[0339] Acquisition of income and expenditure data

[0340] Input: The user links their bank account or credit card to the system.

[0341] Specific operation: The server periodically obtains the latest income and expenditure data through the partner API.

[0342] Data processing / calculation: The server updates the acquired income and expenditure data in the database.

[0343] Output: The latest balance information is saved in the database.

[0344] Step 4:

[0345] Displaying income and expenditure data

[0346] Input: User action requesting display of income and expenditure data.

[0347] Specific operation: The terminal requests balance information from the server.

[0348] Data processing / calculation: The server retrieves income and expenditure information from the database and converts it into a data format for visualization.

[0349] Output: Graphs and charts of income and expenditures are displayed on the terminal.

[0350] Step 5:

[0351] goal setting

[0352] Input: User's income and expenditure data.

[0353] Specific operation: The server sends the income and expenditure data to an AI model (e.g., TensorFlow).

[0354] Data processing / calculation: AI models analyze income and expenditure data and suggest savings and financial goals.

[0355] Output: The proposed goal is presented on the terminal.

[0356] Step 6:

[0357] Plan presentation

[0358] Input: Goals suggested by the AI ​​model.

[0359] Specific operation: The device presents the proposed goal and its plan to the user and asks for approval.

[0360] Data processing / calculation: After user approval, the server stores the goals and plans in the database.

[0361] Output: The goals and plans approved by the user are reflected in the system.

[0362] Step 7:

[0363] Information sharing

[0364] Input: A user posts information to the community.

[0365] Specific operation: The device sends the post content to the server.

[0366] Data processing / calculation: The server stores the posts in a database and notifies other users.

[0367] Output: Information is shared within the community.

[0368] Step 8:

[0369] Providing educational content

[0370] Input: The user's action to request educational content.

[0371] Specific operation: The device sends a request for content to the server.

[0372] Data processing / calculation: The server selects and distributes appropriate educational content.

[0373] Output: The device displays educational content about financial management and saving methods.

[0374] Step 9:

[0375] Income and expenditure analysis and alert generation

[0376] Input: Real-time income and expenditure data.

[0377] Specific behavior: The server compares the income and expenditure data with the set goals.

[0378] Data processing / calculation: Generate alerts if the server deviates from the target.

[0379] Output: An alert is sent to the device, prompting the user to review their budget.

[0380] Step 10:

[0381] Data Protection

[0382] Input: User's personal and financial data.

[0383] What it does: The server encrypts data and performs multi-factor authentication.

[0384] Data Processing / Calculation: Protect information using data protection technologies (e.g., AWS KMS, Twilio).

[0385] Output: Your information is kept safe.

[0386] 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.

[0387] Summary of the Invention

[0388] This invention relates to a household management system that streamlines users' income and expenditure management and supports goal achievement. The system receives user information, creates accounts, visualizes income and expenditures, sets goals, functions as a community, provides educational content, generates alerts, and manages security. It also incorporates an emotion engine that recognizes users' emotions and suggests appropriate actions based on the user's emotions.

[0389] Explanation of program processing

[0390] User registration and initial settings

[0391] 1. Create a user account:

[0392] A user accesses the system and creates an account by entering their name, email address, and password.

[0393] The device sends this information to the server and requests account creation.

[0394] The server creates a new account in the database based on the information received.

[0395] 2. Initial Setup Information:

[0396] As an initial setup, the user enters income information and monthly fixed expenses (e.g. rent, utility bills, etc.).

[0397] The terminal sends this information to the server, and the initial setting information is stored in a database.

[0398] Visualization of income and expenditure

[0399] 1. Acquiring income and expenditure data:

[0400] Users link their bank accounts and credit cards to the system.

[0401] The server periodically obtains the latest income and expenditure data from the partner and updates the database.

[0402] 2. View your balance data:

[0403] The device displays income and expenditure information to the user in graphs and charts, providing a visual overview of income and expenditure.

[0404] Goal setting and plan proposal

[0405] 1. Goal Setting:

[0406] AI on the server analyzes income and expenditure data and sets savings and financial goals for users.

[0407] For example, generate a specific savings plan such as "reduce eating out expenses by 5,000 yen per month."

[0408] 2. Plan presentation:

[0409] The device presents the goals and plan to the user and asks for approval.

[0410] Community Features

[0411] 1. Information sharing:

[0412] Users can use the in-app community feature to share savings information and experiences with other users.

[0413] The server stores posts and comments in a database and notifies other users.

[0414] Educational content and advice

[0415] 1. Providing educational content:

[0416] The server selects educational articles and video tutorials on finance and delivers them to users at the appropriate time.

[0417] The device displays educational content to the user to help them learn.

[0418] Budget Management and Alerts

[0419] 1. Balance analysis and alert generation:

[0420] The server monitors users' income and expenditure data in real time and generates alerts if the data deviates from the set goals.

[0421] The device will notify the user of the alert and encourage them to review their budget.

[0422] Security Features

[0423] 1. Data Protection:

[0424] The server protects users' personal information through data encryption and multi-factor authentication.

[0425] The device provides users with security settings that they can customize as needed.

[0426] Emotion engine integration

[0427] 1. Emotion recognition:

[0428] While using the app, users input their own emotions through the emotion input interface.

[0429] For example, emotional data is collected using methods such as text input, voice recognition, and facial expression recognition.

[0430] 2. Emotional Data Processing:

[0431] The device sends the emotion data to the server, which stores it in a database.

[0432] The server analyzes the emotional data and identifies the user's emotional state.

[0433] 3. Emotion-based feedback:

[0434] The server takes into account the user's emotions and generates specific actions and content (e.g., relaxation music, encouraging messages) aimed at reducing stress and increasing motivation.

[0435] The device presents the generated actions and content to the user.

[0436] Specific examples

[0437] Example 1: User A's household finances and the use of emotion engines

[0438] 1. User A installs the app and creates an account by entering their name, email address, and password.

[0439] The device sends this information to the server and the account is registered in the database.

[0440] 2. As an initial setup, Mr. A enters his monthly income and major expenditure items (rent, utilities, etc.).

[0441] The device sends this information to the server, where it is stored in a database.

[0442] 3. Person A links their bank account and credit card to the app.

[0443] The server periodically retrieves the latest income and expenditure data and updates the database.

[0444] 4. The AI ​​analyzes Mr. A's income and expenditure data, sets a goal of "saving 3,000 yen per month on eating out," and presents a specific plan.

[0445] The device notifies Person A of the goal and plan, and Person A approves.

[0446] 5. Mr. A uses the community function to share tips for saving on food costs with other users and exchange information.

[0447] The server stores the post and notifies other users.

[0448] 6. The progress of income and expenditure is displayed in real time, and if there is any deviation from the target, an alert will be sent to Mr. A's device.

[0449] This allows Mr. A to immediately review his spending.

[0450] 7. When A feels stressed, he / she inputs emotional data.

[0451] For example, type "I'm feeling stressed today."

[0452] The device sends the emotion data to the server, which stores it in a database.

[0453] 8. The AI ​​analyzes Mr. A's emotional state and generates appropriate feedback, such as "relaxation music" and "encouraging messages."

[0454] The device will then provide generated feedback to Person A, helping to reduce stress.

[0455] In this way, this system provides comprehensive support to help users manage their household finances comfortably and efficiently, and by combining the functions of the emotion engine, it achieves an approach that takes into account the user's psychological state.

[0456] The processing flow will be explained below.

[0457] User registration and initial settings

[0458] Step 1:

[0459] The user enters their name, email address, and password on the "Create Account" screen and presses the submit button.

[0460] Step 2:

[0461] The terminal transmits the input information to the server.

[0462] Step 3:

[0463] The server creates a new account in the database based on the information received.

[0464] Step 4:

[0465] The server returns a success message to the terminal.

[0466] Step 5:

[0467] The device will display a success message to the user and then transition to the initial setup screen.

[0468] Step 6:

[0469] The user enters income information and monthly fixed expenses (e.g. rent, utilities, etc.) and presses the submit button.

[0470] Step 7:

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

[0472] Step 8:

[0473] The server stores the received initial configuration information in a database.

[0474] Visualization of income and expenditure

[0475] Step 9:

[0476] Users link their bank account and credit card information from the settings screen within the app.

[0477] Step 10:

[0478] The device sends the link information to the server, and the server obtains income and expenditure data from banks and credit card companies via API.

[0479] Step 11:

[0480] The server stores the acquired income and expenditure data in a database and updates it periodically.

[0481] Step 12:

[0482] The device displays the income and expenditure data to the user in graphs and charts, providing a visual overview of the income and expenditure.

[0483] Goal setting and plan proposal

[0484] Step 13:

[0485] AI on the server analyzes income and expenditure data and sets savings and financial goals for users.

[0486] Step 14:

[0487] The server sends the set goals and achievement plan (e.g., "reduce eating out expenses by 5,000 yen per month") to the terminal.

[0488] Step 15:

[0489] The device presents the goals and plan to the user and asks for approval or adjustment.

[0490] Step 16:

[0491] The user reviews the goals and plan and presses a button to approve.

[0492] Step 17:

[0493] The device sends the approval information to the server, which stores the goals and plans in a database.

[0494] Community Features

[0495] Step 18:

[0496] Users access the community screen and post and comment on savings.

[0497] Step 19:

[0498] The device sends posts and comments to a server, which stores this information in a database.

[0499] Step 20:

[0500] The server notifies other users of new posts, encouraging information sharing.

[0501] Educational content and advice

[0502] Step 21:

[0503] The server selects appropriate financial education content based on user behavioral data.

[0504] Step 22:

[0505] The device delivers selected educational content (e.g., videos, articles) to the user.

[0506] Step 23:

[0507] Users can watch and learn educational content to improve their knowledge.

[0508] Budget Management and Alerts

[0509] Step 24:

[0510] The server analyzes the user's income and expenditure data in real time and generates alerts if the target is deviated from.

[0511] Step 25:

[0512] The device pushes the generated alert to the user.

[0513] Step 26:

[0514] Users check the alerts and review their income and expenses and budgets.

[0515] Security Features

[0516] Step 27:

[0517] The server encrypts users' personal and financial data to keep it safe within the database.

[0518] Step 28:

[0519] The device provides users with security settings that they can customize as needed.

[0520] Step 29:

[0521] The user reviews the security settings and makes any necessary changes.

[0522] Emotion engine integration

[0523] Step 30:

[0524] While using the app, users input their own emotions through the emotion input interface.

[0525] For example, emotional data is collected using methods such as text input, voice recognition, and facial expression recognition.

[0526] Step 31:

[0527] The device sends the emotion data to the server, which stores it in a database.

[0528] Step 32:

[0529] The server analyzes the emotional data and identifies the user's emotional state.

[0530] Step 33:

[0531] The server takes into account the user's emotions and generates specific actions and content (e.g., relaxation music, encouraging messages) aimed at reducing stress and increasing motivation.

[0532] Step 34:

[0533] The device presents the generated actions and content to the user.

[0534] Specific examples

[0535] Step 1:

[0536] User A installs the app and creates an account by entering their name, email address, and password.

[0537] The device sends this information to the server and the account is registered in the database.

[0538] Step 2:

[0539] As an initial setting, Mr. A enters his monthly income and major expenditure items (rent, utilities, etc.).

[0540] The device sends this information to the server, where it is stored in a database.

[0541] Step 3:

[0542] Person A links his bank account and credit card to the app.

[0543] The server periodically retrieves the latest income and expenditure data and updates the database.

[0544] Step 4:

[0545] The AI ​​analyzes Mr. A's income and expenditure data, sets a goal of "saving 3,000 yen per month on eating out," and presents a specific plan.

[0546] The device notifies Person A of the goal and plan, and Person A approves.

[0547] Step 5:

[0548] Mr. A uses the community function to share "tips for saving on food costs" with other users and exchange information.

[0549] The server stores the post and notifies other users.

[0550] Step 6:

[0551] The progress of income and expenditure is displayed in real time, and if there is any deviation from the target, an alert will be sent to Mr. A's device.

[0552] This allows Mr. A to immediately review his spending.

[0553] Step 7:

[0554] When person A feels stressed, he / she enters emotional data.

[0555] For example, type "I'm feeling stressed today."

[0556] The device sends the emotion data to the server, which stores it in a database.

[0557] Step 8:

[0558] The AI ​​analyzes Mr. A's emotional state and generates appropriate feedback in the form of "relaxation music" and "encouraging messages."

[0559] The device will then provide generated feedback to Person A, helping to reduce stress.

[0560] Through these specific processing steps, the system can provide comprehensive support for users to manage their household finances comfortably and efficiently. By integrating an emotion engine, it can realize an approach that takes into account the user's psychological state.

[0561] Example 2

[0562] 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."

[0563] Conventional household management systems require manual operations to record income and expenditures and set goals, which often creates a burden for users. Furthermore, they are limited to visualizing income and expenditure data and supporting goal achievement, and lack feedback that takes into account the user's psychological state and emotions. Furthermore, they often lack sufficient functionality to promote communication between users and high security features. These issues need to be resolved.

[0564] The specific processing by the specific processing unit 290 of the data processing device 12 in Example 2 is realized by the following means. In this invention, the server includes means for receiving user information and creating a user account, means for the user to input income and fixed expenditure information during initial setup, means for saving the initial setup information and the user's income and expenditure information in a database, means for automatically acquiring the user's income and expenditure information and analyzing and visualizing the results, means for setting savings and financial goals based on the user's income and expenditure data and proposing plans to achieve those goals, means for providing a community function that allows users to share information about savings and expenditures, means for providing financial educational content and expert advice, means for monitoring the user's income and expenditure and goal achievement status and generating alerts if the user deviates from the goals, means for recognizing the user's emotional data and providing appropriate feedback based on the data, and means for implementing high security functions to protect the user's confidentiality. This allows the user to manage their household finances efficiently and comfortably and also provides emotional support.

[0565] "User" refers to an individual who uses this system to manage their household finances.

[0566] "Account Creation Means" refers to the function that receives basic user information and creates an individual account on the system.

[0567] "Initial setting means" refers to a function that allows users to input income information and fixed expenditure information and perform initial settings for system use.

[0568] "Income and Expenditure Information" means data regarding a User's income and expenses.

[0569] "Means for acquiring income and expenditure information" refers to a function for automatically acquiring income and expenditure data from a user's bank account or credit card.

[0570] "Database" refers to a data storage area for storing users' income and expenditure information and initial setting information.

[0571] "Analysis means" refers to the function for analyzing the acquired income and expenditure data and providing useful information to the user.

[0572] "Visualization means" refers to a function that displays income and expenditure data in a graphical format so that users can easily understand it.

[0573] "Goal setting means" refers to a function for setting savings and financial goals based on the user's income and expenditure data.

[0574] The "means for proposing an achievement plan" refers to a function for proposing a specific plan for achieving a set goal.

[0575] "Community function" refers to a means for users to share information about savings and spending.

[0576] "Educational Content" refers to articles and video tutorials designed to improve financial knowledge and skills.

[0577] "Advice means" refers to a function for providing professional advice to users.

[0578] "Alert generation means" refers to a function for monitoring a user's income and expenditure and goal achievement status, and issuing a warning if the user deviates from the goal.

[0579] "Emotional data" refers to data relating to a user's psychological state and emotions.

[0580] "Emotion recognition means" refers to a function for collecting user emotion data and recognizing the user emotion based on that data.

[0581] "Feedback means" refers to a function for providing appropriate feedback to the user based on the recognized emotion data.

[0582] "Security features" refer to features for protecting users' personal information and data.

[0583] Detailed Description of the Invention

[0584] This invention relates to a household management system that efficiently supports users in managing their income and expenses and achieving their goals. The system receives user information, creates an account, automatically acquires and analyzes income and expense information, and visualizes it. It also has functions for setting savings and financial goals based on income and expense data and proposing plans to achieve them. It also features a community function that allows users to share information, a function that provides financial educational content and expert advice, a function that monitors income and expense and goal achievement in real time and generates alerts, and high security functions. It also integrates an emotion engine that recognizes users' emotional data and provides feedback.

[0585] Specific implementation methods and hardware / software used

[0586] Hardware Configuration

[0587] This household management system is implemented mainly using the following hardware:

[0588] Server: Stores, analyzes, notifies, and generates feedback on income and expenditure data.

[0589] Terminal: The device used by the user (smartphone, tablet, PC, etc.) where data is entered and information is displayed.

[0590] Software Configuration

[0591] The system is implemented using the following software:

[0592] Database Management System (DBMS): A database for storing financial data, account information, and initial configuration information.

[0593] API: An interface for obtaining external data, such as bank account or credit card information.

[0594] Generative AI model: The AI ​​model that helps analyze the balance data and power the sentiment engine.

[0595] Below, the operation of the system will be explained using specific examples of each.

[0596] Specific examples

[0597] Example 1: User A's household finances and the use of emotion engines

[0598] 1. Create an account:

[0599] User A installs the app and creates an account by entering their name, email address, and password.

[0600] The terminal sends this information to the server, which registers the new account in its database.

[0601] 2. Initial Setup:

[0602] Person A enters his / her monthly income and major expenditure items (rent, utilities, etc.) on the initial setup screen.

[0603] The device sends this data to the server, which stores it in a database.

[0604] 3. Acquiring income and expenditure data:

[0605] Person A links his bank account and credit card to the app.

[0606] The server periodically retrieves the latest income and expenditure data and updates the database.

[0607] 4. Goal setting and plan proposal:

[0608] The AI ​​analyzes Mr. A's income and expenditure data, sets a goal of "saving 3,000 yen per month on eating out," and presents a specific plan.

[0609] The device notifies Person A of the goal and plan, and Person A approves.

[0610] 5. Use of Community Features:

[0611] Person A uses the community function to share "tips for saving on food costs" with other users and exchange information.

[0612] The server stores the posted content and notifies other users.

[0613] 6. Generate alerts:

[0614] The server monitors income and expenditure data in real time and generates alerts if the target is deviated.

[0615] The device will send an alert to Person A, who can then immediately review his or her spending.

[0616] 7. Emotional Input and Feedback:

[0617] When person A feels stressed, he / she inputs emotional data such as "I'm feeling very stressed today."

[0618] The device sends this data to the server, which stores it in a database.

[0619] The AI ​​analyzes Mr. A's emotional state and generates "relaxation music" and "encouraging messages."

[0620] The device displays the generated feedback to Person A, helping to reduce stress.

[0621] Prompt Sentence Examples

[0622] "Please tell me some specific ways to cut down on my monthly eating out expenses."

[0623] "Please create a budget plan for May based on the income and expenditure data."

[0624] "Recommend relaxation music to help reduce stress."

[0625] This allows users to manage their finances effectively and comfortably, while also ensuring they receive emotional support.

[0626] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0627] Step 1: Create a user account

[0628] Input: The user enters their name, email address, and password.

[0629] Operation:

[0630] 1. The user accesses the application and enters the required information on the account creation screen.

[0631] 2. The terminal sends the entered data to the server.

[0632] 3. The server validates the received information and checks for duplicate accounts.

[0633] 4. The server saves the validated information to the database and creates the new account.

[0634] Output: The server sends a successful account creation message to the device to notify the user.

[0635] Step 2: Enter initial configuration information

[0636] Input: The user enters fixed expenditure information such as monthly income, rent, and utilities.

[0637] Operation:

[0638] 1. The user accesses the app's initial setup screen and enters their income and fixed expense information.

[0639] 2. The device sends the input data to the server.

[0640] 3. The server stores the received initial configuration information in a database.

[0641] Output: The server sends an initialization completion message to the terminal and notifies the user.

[0642] Step 3: Obtaining income and expenditure data

[0643] Input: User links bank account or credit card.

[0644] Operation:

[0645] 1. The user enters their bank account and credit card information on the settings screen.

[0646] 2. The device sends the link information to the server.

[0647] 3. The server periodically retrieves income and expenditure data from banks and credit card services using APIs.

[0648] 4. Save the acquired income and expenditure data in the database.

[0649] Output: The server sends a message to the terminal indicating that the latest balance data has been acquired.

[0650] Step 4: View your income and expenditure data

[0651] Input: The user opens the balance confirmation screen.

[0652] Operation:

[0653] 1. The user accesses the application's balance confirmation screen.

[0654] 2. The terminal sends a request to the server to obtain income and expenditure data.

[0655] 3. The server retrieves the latest balance data from the database and sends it to the terminal.

[0656] 4. The device will display your income and expenditure data in graphs and charts.

[0657] Output: The user gets visualized balance information.

[0658] Step 5: Set goals and propose a plan

[0659] Input: User's income and expenditure data.

[0660] Operation:

[0661] 1. The generative AI model on the server analyzes the user's income and expenditure data.

[0662] 2. The AI ​​sets a savings goal (e.g., "reduce eating out expenses by 5,000 yen per month") and generates a specific plan.

[0663] 3. The server sends the goal and plan to the device.

[0664] 4. The device presents the user with the goal and plan and asks for their approval.

[0665] 5. The user approves or modifies the data, and the device sends the data to the server.

[0666] Output: The user is presented with the approved savings goal and plan.

[0667] Step 6: Use community features

[0668] Input: User posts, comments.

[0669] Operation:

[0670] 1. A user posts using the community function.

[0671] 2. The device sends the posting data to the server.

[0672] 3. The server saves the posted data in a database and notifies other users.

[0673] 4. Other users comment or react, and the device sends that data to the server.

[0674] Output: Information and comments shared within the community are updated as they happen.

[0675] Step 7: Analysis of income and expenditures and generation of alerts

[0676] Input: User's income and expenditure data.

[0677] Operation:

[0678] 1. The server monitors the user's income and expenditure data in real time.

[0679] 2. Generate an alert if the server deviates from the target.

[0680] 3. The server sends the alert content to the device.

[0681] 4. The device notifies the user of the alert.

[0682] 5. The user checks the alert and reviews their spending as needed.

[0683] Output: Alert notifications are sent to users to facilitate improved budget management.

[0684] Step 8: Input and analyze emotion data

[0685] Input: User emotion data (e.g. text, voice, facial expressions).

[0686] Operation:

[0687] 1. The user inputs their own emotions through the emotion input interface.

[0688] 2. The device sends the emotion data to the server.

[0689] 3. The server stores the received emotion data in a database.

[0690] 4. The server analyzes the emotional data and identifies the user's emotional state.

[0691] 5. The server generates the feedback content and sends it to the device.

[0692] Output: The user is given appropriate feedback (e.g., relaxing music, encouraging messages).

[0693] (Application example 2)

[0694] 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."

[0695] When it comes to managing their household finances, users often find it difficult to efficiently grasp income and expenditures and set goals, with emotional factors in particular often hindering spending management. There is also a demand for visualization of income and expenditure data, provision of specific plans for achieving goals, and information sharing and professional financial advice through communities. Furthermore, a lack of psychological support for users often leads to stress and a decline in motivation, which negatively impacts their ability to continue managing their household finances. To solve these issues, it is necessary to provide support functions that utilize emotional data in addition to advanced income and expenditure management functions.

[0696] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for receiving user information and creating a user account, means for automatically acquiring the user's income and expenditure information and analyzing and visualizing the results, means for setting savings and financial goals based on the user's income and expenditure data and proposing a plan to achieve those goals, means for providing a community function that allows users to share information about savings and expenditures, means for providing financial educational content and expert advice, means for monitoring the user's income and expenditure and goal achievement status and generating an alert if the user deviates from the goal, means for implementing high security functions to protect the user's confidentiality, and means for acquiring and analyzing the user's emotional data and proposing appropriate actions based on the data. This allows the user to efficiently manage their household finances and continue to take appropriate actions toward achieving their goals while receiving emotional support.

[0697] "User information" refers to basic personal data (such as name, email address, and password) required for account creation and household management.

[0698] A "user account" is a dedicated identifier for managing a user's personal information and data related to household management.

[0699] "Income and expenditure information" refers to data on the user's income and expenditure, and is the basis for household management.

[0700] "Savings and financial goals" are specific numerical targets for savings and asset formation set by users.

[0701] An "achievement plan" is a plan that shows specific means and steps to achieve a set goal.

[0702] "Community Function" means an online interaction function that allows users to share information and experiences with other users.

[0703] "Educational content" refers to media content such as educational materials and videos related to financial literacy and household management.

[0704] "Professional advice" means appropriate advice or guidelines from a financial professional.

[0705] An "alert" is a warning message that notifies the user when deviations from a set goal occur.

[0706] "High security features" are functions that protect the confidentiality of user information using methods such as data encryption and multi-factor authentication.

[0707] "Emotional data" is data that expresses a user's psychological state or emotions using numbers, text, voice, etc.

[0708] "Appropriate actions" are specific advice or measures (such as relaxing music or encouraging messages) provided in response to the user's emotions and behavior.

[0709] This invention relates to a household management system for electronic payment services that improves the efficiency of users' income and expenditure management and helps them achieve their goals. This system has the following functions and means.

[0710] 1. Create a user account

[0711] A user downloads an electronic payment app and creates an account by entering their name, email address, and password. This information is sent to a server, which then creates an account in the database.

[0712] 2. Enter the initial setup information

[0713] The user enters their income information and monthly fixed expenses (rent, utility bills, etc.) as the initial setting. This information is sent from the device to the server and stored in a database.

[0714] 3. Acquisition and visualization of income and expenditure data

[0715] Users link their bank accounts and credit cards to the system. The server periodically retrieves the latest income and expenditure data from the linked accounts and updates the database.

[0716] The device displays income and expenditure information to the user in graphs and charts, providing a visual overview of income and expenditure.

[0717] 4. Goal setting and plan proposal

[0718] The AI ​​on the server analyzes the income and expenditure data, sets the user's savings and financial goals, and generates a specific plan, such as "reducing eating out expenses by 3,000 yen per month."

[0719] The terminal presents the goal and plan to the user and asks for approval.

[0720] 5. Community Features

[0721] Users can use the community function within the app to share their savings information and experiences with other users. The server stores posts and comments in a database and notifies other users.

[0722] 6. Educational content and expert advice

[0723] The server selects educational articles and video tutorials on finance and delivers them to users at the appropriate time. The terminal displays these articles and helps users learn.

[0724] 7. Alert Generation

[0725] The server monitors the user's income and expenditure data in real time and generates an alert if the user deviates from the set goal. The device notifies the user of the alert and prompts them to review their budget.

[0726] 8. High security features

[0727] The server protects users' personal information through data encryption and multi-factor authentication, while the device provides users with security settings that can be customized as needed.

[0728] 9. Emotion Engine Integration

[0729] While using the app, users input their emotions through an emotion input interface (collected through methods such as text input, voice recognition, and facial expression recognition).

[0730] The device sends the emotion data to the server, which stores it in a database.

[0731] The server analyzes the emotional data to determine the user's emotional state.

[0732] The server takes into account the user's emotions and generates specific actions and content (e.g., relaxation music, encouraging messages) aimed at reducing stress and increasing motivation.

[0733] The terminal presents the generated actions and content to the user.

[0734] Specific system implementation example

[0735] 1. Acquisition and visualization of income and expenditure data

[0736] Use APIs to retrieve bank account and credit card data, and use libraries such as Matplotlib to generate and display graphs.

[0737] 2. Emotion engine integration

[0738] The server uses an emotion recognition API to analyze the emotional data entered by the user and take appropriate action (such as playing relaxing music or sending an encouraging message).

[0739] Prompt Sentence Examples

[0740] Users interact with the app by entering prompts like:

[0741] "Open the app to get your latest income and expenditure data and view it in a graph. It also helps you set goals, recognizes emotions, and suggests appropriate actions."

[0742] This allows users to understand their income and expenditure situation and receive emotional support all in one place, allowing them to maintain motivation to achieve their goals.

[0743] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0744] Step 1:

[0745] A user downloads the app and creates an account by entering their name, email address, and password. The information is sent by the device to a server, which stores it in a database and creates a new account. This process provides the user with the foundation for using the home finance management system.

[0746] Step 2:

[0747] The user enters their income information and monthly fixed expenses (rent, utilities, etc.) as the initial setting. This information is sent by the device to the server, which stores it in a database. This prepares the user for income and expenditure management and provides the system with basic data to set appropriate goals.

[0748] Step 3:

[0749] The user links their bank account or credit card to the system. The device collects the linking information through an input form and sends it to the server. The server periodically retrieves the latest balance data using the Google Cloud API and updates the database. Through this process, the user's balance data is automatically collected and updated.

[0750] Step 4:

[0751] The AI ​​on the server analyzes the user's income and expenditure data using machine learning algorithms to set saving and financial goals for the user. For example, it generates a specific goal such as "reducing eating out expenses by 3,000 yen per month" based on the user's past spending patterns. This goal is sent to the device and displayed to the user.

[0752] Step 5:

[0753] The user confirms and approves the goals and plans generated by the server through the device. The device then sends the user's approval to the server and stores it in the database. This process officially sets the goals, and the system is ready to support their achievement.

[0754] Step 6:

[0755] The server monitors the user's income and expenditure data in real time and generates an alert if the user deviates from the set goal. For example, if the user exceeds the target dining out expense, the system immediately sends an alert and notifies the terminal. This process allows the user to immediately review their spending.

[0756] Step 7:

[0757] Users can use the community function to share their savings information and experiences with other users. The device sends posts and comments to the server, which stores them in a database and notifies other users. This function allows users to support each other through information sharing.

[0758] Step 8:

[0759] The server delivers financial educational content and expert advice to users at the appropriate time, and the content is displayed to the user through the device. For example, the user can watch a video tutorial to learn new ways to save money.

[0760] Step 9:

[0761] The user inputs their emotions through the emotion input interface. The device collects the emotion data and sends it to the server. The server uses an emotion recognition API to identify the user's emotional state and determine appropriate actions based on it. For example, if the user inputs "I'm stressed today," the system will suggest playing relaxation music.

[0762] Step 10:

[0763] The device presents the generated actions and content (relaxation music and encouraging messages) to the user, allowing the user to continue managing their household finances while receiving psychological support.

[0764] This allows users to efficiently manage their household finances and continue to take appropriate actions to achieve their goals while receiving emotional support.

[0765] Example prompt sentence:

[0766] "Open the app to get your latest income and expenditure data and view it in a graph. It also helps you set goals, recognizes emotions, and suggests appropriate actions."

[0767] 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.

[0768] 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.

[0769] 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.

[0770] [Second embodiment]

[0771] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0772] 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.

[0773] 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).

[0774] 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.

[0775] 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.

[0776] 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).

[0777] 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.

[0778] 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.

[0779] 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.

[0780] 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.

[0781] 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.

[0782] 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."

[0783] This invention relates to a household management system that improves the efficiency of users' income and expenditure management and supports goal achievement. The system includes multiple means for receiving user information and realizing account creation, income and expenditure visualization, goal setting, community functions, provision of educational content, alert generation, and security management.

[0784] Explanation of program processing

[0785] User registration and initial settings

[0786] 1. Create a user account:

[0787] A user accesses the system and creates an account by entering their name, email address, and password.

[0788] The device sends this information to the server and requests account creation.

[0789] The server registers the new account in the database based on the received information.

[0790] 2. Initial Setup Information:

[0791] As an initial setup, the user enters income information and monthly fixed expenses (e.g. rent, utility bills, etc.).

[0792] The terminal sends this information to the server, and the initial setting information is stored in a database.

[0793] Visualization of income and expenditure

[0794] 1. Acquiring income and expenditure data:

[0795] Users link their bank accounts and credit cards to the system.

[0796] The server periodically obtains the latest income and expenditure data from the partner and updates the database.

[0797] 2. View your balance data:

[0798] The device displays income and expenditure information in graphs and charts, allowing users to easily understand the current situation.

[0799] Goal setting and plan proposal

[0800] 1. Goal Setting:

[0801] AI running on the server analyzes users' income and expenditure data and sets appropriate savings and financial goals.

[0802] For example, generate a specific savings plan such as "reduce eating out expenses by 5,000 yen per month."

[0803] 2. Plan presentation:

[0804] The device presents the goals and plan to the user and asks for approval.

[0805] Community Features

[0806] 1. Information sharing:

[0807] Users can use the in-app community feature to share savings information and experiences with other users.

[0808] The server stores posts and comments in a database and notifies other users.

[0809] Educational content and advice

[0810] 1. Providing educational content:

[0811] The server selects educational articles and video tutorials on finance and delivers them to users at the appropriate time.

[0812] The device displays educational content to the user to help them learn.

[0813] Budget Management and Alerts

[0814] 1. Balance analysis and alert generation:

[0815] The server monitors users' income and expenditure data in real time and generates alerts if the data deviates from the set goals.

[0816] The device will notify the user of the alert and encourage them to review their budget.

[0817] Security Features

[0818] 1. Data Protection:

[0819] The server protects users' personal information through data encryption and multi-factor authentication.

[0820] The device provides users with security settings that they can customize as needed.

[0821] Specific examples

[0822] Example 1: User A's household finances

[0823] 1. User A installs the app and creates an account by entering their name, email address, and password.

[0824] The device sends this information to the server and the account is registered in the database.

[0825] 2. As an initial setup, Mr. A enters his monthly income and major expenditure items (rent, utilities, etc.).

[0826] The device sends this information to the server, where it is stored in a database.

[0827] 3. Person A links their bank account and credit card to the app.

[0828] The server periodically retrieves the latest income and expenditure data and updates the database.

[0829] 4. The AI ​​analyzes Mr. A's income and expenditure data, sets a goal of "saving 3,000 yen per month on eating out," and presents a specific plan.

[0830] The device notifies Person A of the goal and plan, and Person A approves.

[0831] 5. Mr. A uses the community function to share tips for saving on food costs with other users and exchange information.

[0832] The server stores the post and notifies other users.

[0833] 6. The progress of income and expenditure is displayed in real time, and if there is any deviation from the target, an alert will be sent to Mr. A's device.

[0834] This allows Mr. A to immediately review his spending.

[0835] 7. The security features protect Mr. A's personal information and financial data, allowing him to use the app with peace of mind.

[0836] In this way, this system provides comprehensive support for users to manage their household finances comfortably and efficiently.

[0837] The processing flow will be explained below.

[0838] Program processing details

[0839] User registration and initial settings

[0840] Step 1:

[0841] The user enters their name, email address, and password on the "Create Account" screen and presses the submit button.

[0842] Step 2:

[0843] The terminal transmits the input information to the server.

[0844] Step 3:

[0845] The server creates a new account in the database based on the information received.

[0846] Step 4:

[0847] The server returns a success message to the terminal.

[0848] Step 5:

[0849] The device will display a success message to the user and then transition to the initial setup screen.

[0850] Step 6:

[0851] The user enters income information and monthly fixed expenses (e.g. rent, utilities, etc.) and presses the submit button.

[0852] Step 7:

[0853] The terminal transmits the input information to the server.

[0854] Step 8:

[0855] The server stores the received initial configuration information in a database.

[0856] Visualization of income and expenditure

[0857] Step 9:

[0858] Users link their bank account and credit card information from the settings screen within the app.

[0859] Step 10:

[0860] The device sends the link information to the server, and the server obtains income and expenditure data from banks and credit card companies via API.

[0861] Step 11:

[0862] The server stores the acquired income and expenditure data in a database and updates it periodically.

[0863] Step 12:

[0864] The device displays the income and expenditure data to the user in graphs and charts, providing a visual overview of the income and expenditure.

[0865] Goal setting and plan proposal

[0866] Step 13:

[0867] AI on the server analyzes income and expenditure data and sets savings and financial goals for users.

[0868] Step 14:

[0869] The server sends the set goals and achievement plan (e.g., "reduce eating out expenses by 5,000 yen per month") to the terminal.

[0870] Step 15:

[0871] The device will notify the user of their goals and plans and ask for approval or adjustment.

[0872] Step 16:

[0873] The user reviews the goals and plan and presses a button to approve.

[0874] Step 17:

[0875] The device sends the approval information to the server, which stores the goals and plans in a database.

[0876] Community Features

[0877] Step 18:

[0878] Users access the community screen and post and comment on savings.

[0879] Step 19:

[0880] The device sends posts and comments to a server, which stores this information in a database.

[0881] Step 20:

[0882] The server notifies other users of new posts, encouraging information sharing.

[0883] Educational content and advice

[0884] Step 21:

[0885] The server selects appropriate financial education content based on user behavioral data.

[0886] Step 22:

[0887] The device delivers selected educational content (e.g., videos, articles) to the user.

[0888] Step 23:

[0889] Users can watch and learn educational content to improve their knowledge.

[0890] Budget Management and Alerts

[0891] Step 24:

[0892] The server analyzes the user's income and expenditure data in real time and generates alerts if the target is deviated from.

[0893] Step 25:

[0894] The device pushes the generated alert to the user.

[0895] Step 26:

[0896] Users check the alerts and review their income and expenses and budgets.

[0897] Security Features

[0898] Step 27:

[0899] The server encrypts users' personal and financial data to keep it safe within the database.

[0900] Step 28:

[0901] The device provides users with security settings that they can customize as needed.

[0902] Step 29:

[0903] The user reviews the security settings and makes any necessary changes.

[0904] Through these specific processing steps, the present system can provide comprehensive support to help users manage their household finances comfortably and efficiently.

[0905] Example 1

[0906] 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."

[0907] Today's users spend a lot of time and effort managing their income and expenses, making it difficult to manage their household finances efficiently and achieve their goals. Other issues include a lack of forums for users to share information, a lack of real-time monitoring of income and expense data, and a lack of appropriate advice for achieving goals. Furthermore, there are cases where users' personal information is not adequately protected, creating a need for a household finance management system that can solve these problems.

[0908] 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.

[0909] In this invention, the server includes: means for receiving user information and creating a user account; means for allowing a user to input income and fixed expenditure information during initial setup and saving the initial setup information in a database; means for linking the user's bank account and payment card information and periodically acquiring income and expenditure data; means for analyzing and visualizing the acquired income and expenditure data; means including a generative AI model for setting savings and financial goals based on the user's income and expenditure data and providing a plan for achieving those goals; means for providing a community function where users can share information about savings and expenditures; means for providing financial educational content and expert advice; means for monitoring the user's income and expenditure and goal achievement status in real time and generating an alert if the goal is deviated from; and means for implementing high security functions to protect the user's confidentiality. This allows users to efficiently manage their income and expenditures, support goal achievement, and safely use the system while protecting their personal information.

[0910] "User Account" means a set of personal identification information created for a User to use the System.

[0911] "Initial setting information" refers to basic financial information such as income and fixed expenses, which is entered by the user when they start using the system.

[0912] A "bank account" is an account at a financial institution that manages information about a user's deposits and transactions.

[0913] "Payment Card Information" means information relating to cards used in transactions, such as credit cards or debit cards.

[0914] "Income and Expenditure Data" refers to detailed information about your income and expenses, which indicates your financial situation.

[0915] A "generative AI model" is a model that uses artificial intelligence technology to analyze income and expenditure data and set appropriate savings and financial goals.

[0916] The "community function" allows users to share information about savings and spending and exchange opinions.

[0917] "Educational content" refers to educational materials, such as financial articles and video tutorials, that are designed to improve users' financial literacy.

[0918] An "alert" is a warning message that notifies the user when a deviation from the target occurs.

[0919] "Security features" are features for protecting users' personal information and financial data, including data encryption and two-factor authentication.

[0920] This invention relates to a household management system that improves the efficiency of users' income and expenditure management and supports goal achievement. The system receives user information and includes multiple means for realizing account creation, income and expenditure visualization, goal setting, community functions, educational content provision, alert generation, and security management.

[0921] Creating and initializing a user account

[0922] Users access the system using a device such as a smartphone or PC and create an account by entering their name, email address, and password. The device encrypts this information and sends it to the server, which then registers the new account in the database based on the received information. Next, the user enters their monthly income information and fixed expenses (rent, utility bills, etc.), and the device sends this information to the server, which saves the initial setup information in the database.

[0923] Visualization of income and expenditure

[0924] Users connect their bank account and payment card information to the system, and the server periodically calls the API of the connected device to obtain the latest balance data. The server then stores the obtained balance data in a database, and the device displays the balance information in graphs and charts, allowing users to easily understand the current situation.

[0925] Goal setting and plan proposal

[0926] The generative AI model running on the server analyzes the user's income and expenditure data and sets appropriate savings and financial goals. For example, by analyzing past data, it generates a specific savings plan such as "reducing eating out expenses by 5,000 yen per month." The server then sends the generated goal and plan to the device, which notifies the user and asks for their approval.

[0927] Community Features

[0928] Users can use the community page to share their savings information and experiences with other users. The device sends the user's posts to the server, which then stores them in a database and notifies other users.

[0929] Educational content and advice

[0930] The server periodically selects educational articles and video tutorials on finance and dynamically delivers them to users based on their financial situation. The device displays the delivered educational content to users to support their learning.

[0931] Budget Management and Alerts

[0932] The server monitors users' income and expenditure data in real time and generates an alert if the user deviates from the set goal. The device notifies the user of the alert and encourages them to review their budget.

[0933] Security Features

[0934] The server protects the user's personal information using data encryption and two-factor authentication. The device provides the user with security configuration options (e.g., enabling two-factor authentication or changing passwords), and sends the configuration settings to the server for storage.

[0935] Specific examples

[0936] User A's household finances

[0937] Person A installs the app and creates an account by entering their name, email address, and password. Next, Person A enters their monthly income and major expenditure items, which their device sends to the server. Person A then connects their bank account and payment card to the app, and the server periodically retrieves income and expenditure data and updates the database. The generative AI model then analyzes Person A's data and sets a goal, such as "save 3,000 yen per month on food expenses." Person A can use the community function to share their savings information with other users, check their income and expenditure progress in real time, and receive alerts if they deviate from their goal, allowing them to immediately review their spending.

[0938] Example prompt sentence:

[0939] User A:

[0940] Monthly salary: 300,000 yen

[0941] Fixed expenses: Rent 70,000 yen, Utilities 10,000 yen, Communication 5,000 yen

[0942] Variable expenses: Food 30,000 yen, Dining out 15,000 yen, Hobbies 20,000 yen

[0943] Analyze Mr. A's monthly income and expenditure data and propose a specific savings plan. For example, a specific proposal such as "reducing eating out expenses by 3,000 yen per month."

[0944] In this way, the system is designed to enable users to efficiently manage their income and expenditures, support them in achieving their goals, and enable them to use the system safely while protecting their personal information.

[0945] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0946] Step 1:

[0947] Creating a user account

[0948] Input: The user enters their name, email address, and password.

[0949] How it works: A user accesses the system, enters the required information into the form, and then presses the "Register" button. The device encrypts this information and sends it to the server.

[0950] Data processing: The server stores the received information in a database and creates a new account.

[0951] Output: The server sends a message to the device that the account has been created, and the device notifies the user.

[0952] Step 2:

[0953] Entering the Initial Configuration Information

[0954] Input: The user enters monthly income information and fixed expenses (rent, utilities, etc.).

[0955] How it works: The user enters this information into a form within the app and presses the "Save" button. The device then sends this information to the server.

[0956] Data processing: The server stores the received initial setting information in a database.

[0957] Output: The server sends a message to the terminal that initial setup is complete, and the terminal notifies the user.

[0958] Step 3:

[0959] Acquisition and storage of income and expenditure data

[0960] Input: User connects bank account or payment card information.

[0961] How it works: The user connects their bank account and payment card information within the app, and the server periodically calls the connected API.

[0962] Data processing: The server obtains the latest income and expenditure data from the partner and stores it in the database.

[0963] Output: The acquired income and expenditure data is saved in the database.

[0964] Step 4:

[0965] Visualization of income and expenditure data

[0966] Input: The server receives a request to retrieve financial data.

[0967] Operation: The terminal sends a request to the server to display the balance data, and the server retrieves the balance data from the database.

[0968] Data processing: The server generates data that converts the income and expenditure data into graphs and charts.

[0969] Output: The server sends the generated data to the terminal, which generates graphs and charts and displays them to the user.

[0970] Step 5:

[0971] Goal setting and plan presentation

[0972] Input: The server inputs income and expenditure data into the generative AI model.

[0973] How it works: A generative AI model on the server analyzes income and expenditure data and sets appropriate savings and financial goals.

[0974] Data processing: The AI ​​model generates specific savings goals and plans as a result of the analysis.

[0975] Output: The server sends the generated goal and plan to the terminal, which notifies the user and asks for approval.

[0976] Step 6:

[0977] Use of community features

[0978] Input: Users enter comments or posts about savings or expenses.

[0979] How it works: A user accesses a community page, enters information, and presses the submit button. The device then sends the post to the server.

[0980] Data processing: The server saves the posted content in a database and notifies other users.

[0981] Output: Other users' devices display new posts and comments.

[0982] Step 7:

[0983] Educational content distribution

[0984] Input: The server decides when to deliver.

[0985] How it works: A server dynamically selects and delivers educational financial articles and video tutorials.

[0986] Data processing: The server selects and distributes the content according to the user's financial situation.

[0987] Output: The device displays the delivered educational content to the user.

[0988] Step 8:

[0989] Budget management and alert notifications

[0990] Input: The server monitors your balance data in real time.

[0991] Action: Generates an alert if the server deviates from the set goals.

[0992] Data processing: The server detects target deviation events and generates alert messages.

[0993] Output: The server sends an alert to the terminal, which notifies the user.

[0994] Step 9:

[0995] Implementing security features

[0996] Input: User information, income and expenditure data

[0997] How it works: The server implements data encryption and two-factor authentication to protect user data.

[0998] Data processing: The server encrypts the data and adds an authentication process.

[0999] Output: Security-enhanced user data is protected.

[1000] (Application example 1)

[1001] 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."

[1002] In modern society, many users need a way to efficiently manage their income and expenses and achieve their goals. However, traditional methods require users to manually record their income and expenses, making it difficult to obtain the information and advice they need, and raising security concerns. Furthermore, they lack the ability to automatically present specific plans for achieving goals and community features for sharing information with other users. To address these issues, improvements to income and expense management systems are needed.

[1003] 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.

[1004] In this invention, the server includes: means for receiving user information and creating a user account; means for automatically acquiring the user's income and expenditure information and analyzing and visualizing the results; means for setting savings and financial goals based on the user's income and expenditure data and proposing plans to achieve those goals; means for providing a community function that allows users to share information about savings and expenditures; means for providing financial educational content and expert advice; means for monitoring the user's income and expenditure and goal achievement status and generating alerts if the goal is deviated from; means for implementing high security functions to protect the user's confidentiality; means for the user to link with a bank account or electronic money and manage income and expenditure in real time; and means for analyzing the user's spending patterns and automatically proposing financial goals using AI. This enables users to efficiently manage their income and expenditure and share information with peace of mind while being supported in achieving their goals.

[1005] "User" means an individual who uses this system to manage their income and expenses.

[1006] "Account" refers to the authentication information that allows a user to access the system and manage individual information.

[1007] "Income and Expenditure Information" means data regarding a User's income and expenses.

[1008] "Automatically acquired" means that the system collects data without manual intervention.

[1009] "Visualization" refers to the display of data in a visual form such as a graph or chart.

[1010] A "savings goal" is a specific numerical target set by the user for reducing spending.

[1011] "Financial goals" are specific numerical targets set by users for future earnings and asset formation.

[1012] "Achievement Plan" refers to the action plan proposed by the system to achieve the set goal.

[1013] The "community function" is a function that allows users to share information and interact with each other.

[1014] "Educational Content" means educational materials or resources that provide information about financial management and savings methods.

[1015] "Professional advice" means guidance or advice from a person with specialized financial management expertise.

[1016] "Monitoring" means that the system constantly checks users' income and expenditure information and goal achievement status.

[1017] An "alert" is a warning notification sent by the system to the user when deviations from set goals occur.

[1018] "Security Features" refers to the safety measures that the system takes to protect users' personal and financial information.

[1019] "Confidentiality" refers to the protection of user information so that it is not leaked to third parties.

[1020] "Integration" refers to the system connecting with external services such as bank accounts and electronic money and exchanging data.

[1021] "Real-time" refers to data and information that is updated immediately.

[1022] "Spending patterns" refers to data that shows a user's past consumption behavior and tendencies.

[1023] "AI" stands for artificial intelligence, a technology that automatically makes decisions and makes suggestions through machine learning and data analysis.

[1024] In this invention, a system program for improving the efficiency of income and expenditure management and supporting goal achievement is implemented based on the following.

[1025] User registration and initial settings

[1026] 1. Create a user account:

[1027] Users create an account by entering their name, email address, password, etc. from their device (smartphone or tablet).

[1028] The server receives this information and registers the new account in a database (e.g. MongoDB).

[1029] 2. Initial Setup Information:

[1030] The user enters their income and fixed expenditure items (e.g. rent, utility bills) and sends this information to the server.

[1031] The server stores the received information in a database.

[1032] Visualization of income and expenditure

[1033] 1. Acquiring income and expenditure data:

[1034] Users link their bank accounts and credit cards to the system.

[1035] The server periodically obtains the latest income and expenditure data from partners via API and updates the database.

[1036] 2. View your balance data:

[1037] The device displays income and expenditure information in graphs and charts, allowing users to easily understand their current situation.

[1038] Goal setting and plan proposal

[1039] 1. Goal Setting:

[1040] The server analyzes income and expenditure data using an AI model (e.g., TensorFlow) and sets savings and financial goals.

[1041] For example, generate a specific savings plan such as "reducing eating out expenses by 5,000 yen per month."

[1042] 2. Plan presentation:

[1043] The device presents the user with goals and plans and asks for approval.

[1044] Community Features

[1045] 1. Information sharing:

[1046] Users can use the in-app community feature to share savings information and experiences with other users.

[1047] The server stores posts and comments in a database and notifies other users.

[1048] Educational content and advice

[1049] 1. Providing educational content:

[1050] The server selects educational financial articles and video tutorials and delivers them at the appropriate time.

[1051] The device displays educational content to users to help them learn.

[1052] Budget Management and Alerts

[1053] 1. Balance analysis and alert generation:

[1054] The server monitors income and expenditure data in real time and generates alerts if the data deviates from set targets.

[1055] The device will notify the user of the alert and encourage them to review their budget.

[1056] Security Features

[1057] 1. Data Protection:

[1058] The server protects user personal information through data encryption (e.g., AWS KMS) and multi-factor authentication (e.g., Twilio).

[1059] The device provides users with security settings that they can customize as needed.

[1060] Specific examples

[1061] Users set a goal of "keeping food expenses under 10,000 yen this month." Based on this goal, the AI ​​model analyzes past spending data and suggests in real time which items can be reduced. If the user deviates from the goal, the app will send a notification and encourage them to review their budget.

[1062] Prompt Sentence Examples

[1063] Prompt statement:

[1064] "Please explain how the app can set a goal of keeping food expenses under 10,000 yen this month, and then use past spending data to suggest which items can be reduced in real time. Also, explain how the app will notify the user if they deviate from their budget."

[1065] The system is a comprehensive solution that helps users effectively manage their finances and get help in achieving their goals.

[1066] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1067] Step 1:

[1068] Create a user account

[1069] Input: The user enters their name, email address, and password on their device.

[1070] Specific operation: The terminal sends the entered information to the server.

[1071] Data processing / calculation: The server registers the received information in a database.

[1072] Output: A new user account is created.

[1073] Step 2:

[1074] Entering the Initial Configuration Information

[1075] Input: The user enters their income and fixed expenses (e.g. rent, utility bills) into the terminal.

[1076] Specific operation: The terminal sends the entered income and fixed expenditure information to the server.

[1077] Data processing / calculation: The server stores the initial setting information in a database.

[1078] Output: The user's income and expenditure information is reflected in the system.

[1079] Step 3:

[1080] Acquisition of income and expenditure data

[1081] Input: The user links their bank account or credit card to the system.

[1082] Specific operation: The server periodically obtains the latest income and expenditure data through the partner API.

[1083] Data processing / calculation: The server updates the acquired income and expenditure data in the database.

[1084] Output: The latest balance information is saved in the database.

[1085] Step 4:

[1086] Displaying income and expenditure data

[1087] Input: User action requesting display of income and expenditure data.

[1088] Specific operation: The terminal requests balance information from the server.

[1089] Data processing / calculation: The server retrieves income and expenditure information from the database and converts it into a data format for visualization.

[1090] Output: Graphs and charts of income and expenditures are displayed on the terminal.

[1091] Step 5:

[1092] goal setting

[1093] Input: User's income and expenditure data.

[1094] Specific operation: The server sends the income and expenditure data to an AI model (e.g., TensorFlow).

[1095] Data processing / calculation: AI models analyze income and expenditure data and suggest savings and financial goals.

[1096] Output: The proposed goal is presented on the terminal.

[1097] Step 6:

[1098] Plan presentation

[1099] Input: Goals suggested by the AI ​​model.

[1100] Specific operation: The device presents the proposed goal and its plan to the user and asks for approval.

[1101] Data processing / calculation: After user approval, the server stores the goals and plans in the database.

[1102] Output: The goals and plans approved by the user are reflected in the system.

[1103] Step 7:

[1104] Information sharing

[1105] Input: A user posts information to the community.

[1106] Specific operation: The device sends the post content to the server.

[1107] Data processing / calculation: The server stores the posts in a database and notifies other users.

[1108] Output: Information is shared within the community.

[1109] Step 8:

[1110] Providing educational content

[1111] Input: The user's action to request educational content.

[1112] Specific operation: The device sends a request for content to the server.

[1113] Data processing / calculation: The server selects and distributes appropriate educational content.

[1114] Output: The device displays educational content about financial management and saving methods.

[1115] Step 9:

[1116] Income and expenditure analysis and alert generation

[1117] Input: Real-time income and expenditure data.

[1118] Specific behavior: The server compares the income and expenditure data with the set goals.

[1119] Data processing / calculation: Generate alerts if the server deviates from the target.

[1120] Output: An alert is sent to the device, prompting the user to review their budget.

[1121] Step 10:

[1122] Data Protection

[1123] Input: User's personal and financial data.

[1124] What it does: The server encrypts data and performs multi-factor authentication.

[1125] Data Processing / Calculation: Protect information using data protection technologies (e.g., AWS KMS, Twilio).

[1126] Output: Your information is kept safe.

[1127] 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.

[1128] Summary of the Invention

[1129] This invention relates to a household management system that streamlines users' income and expenditure management and supports goal achievement. The system receives user information, creates accounts, visualizes income and expenditures, sets goals, functions as a community, provides educational content, generates alerts, and manages security. It also incorporates an emotion engine that recognizes users' emotions and suggests appropriate actions based on the user's emotions.

[1130] Explanation of program processing

[1131] User registration and initial settings

[1132] 1. Create a user account:

[1133] A user accesses the system and creates an account by entering their name, email address, and password.

[1134] The device sends this information to the server and requests account creation.

[1135] The server creates a new account in the database based on the information received.

[1136] 2. Initial Setup Information:

[1137] As an initial setup, the user enters income information and monthly fixed expenses (e.g. rent, utility bills, etc.).

[1138] The terminal sends this information to the server, and the initial setting information is stored in a database.

[1139] Visualization of income and expenditure

[1140] 1. Acquiring income and expenditure data:

[1141] Users link their bank accounts and credit cards to the system.

[1142] The server periodically obtains the latest income and expenditure data from the partner and updates the database.

[1143] 2. View your balance data:

[1144] The device displays income and expenditure information to the user in graphs and charts, providing a visual overview of income and expenditure.

[1145] Goal setting and plan proposal

[1146] 1. Goal Setting:

[1147] AI on the server analyzes income and expenditure data and sets savings and financial goals for users.

[1148] For example, generate a specific savings plan such as "reduce eating out expenses by 5,000 yen per month."

[1149] 2. Plan presentation:

[1150] The device presents the goals and plan to the user and asks for approval.

[1151] Community Features

[1152] 1. Information sharing:

[1153] Users can use the in-app community feature to share savings information and experiences with other users.

[1154] The server stores posts and comments in a database and notifies other users.

[1155] Educational content and advice

[1156] 1. Providing educational content:

[1157] The server selects educational articles and video tutorials on finance and delivers them to users at the appropriate time.

[1158] The device displays educational content to the user to help them learn.

[1159] Budget Management and Alerts

[1160] 1. Balance analysis and alert generation:

[1161] The server monitors users' income and expenditure data in real time and generates alerts if the data deviates from the set goals.

[1162] The device will notify the user of the alert and encourage them to review their budget.

[1163] Security Features

[1164] 1. Data Protection:

[1165] The server protects users' personal information through data encryption and multi-factor authentication.

[1166] The device provides users with security settings that they can customize as needed.

[1167] Emotion engine integration

[1168] 1. Emotion recognition:

[1169] While using the app, users input their own emotions through the emotion input interface.

[1170] For example, emotional data is collected using methods such as text input, voice recognition, and facial expression recognition.

[1171] 2. Emotional Data Processing:

[1172] The device sends the emotion data to the server, which stores it in a database.

[1173] The server analyzes the emotional data and identifies the user's emotional state.

[1174] 3. Emotion-based feedback:

[1175] The server takes into account the user's emotions and generates specific actions and content (e.g., relaxation music, encouraging messages) aimed at reducing stress and increasing motivation.

[1176] The device presents the generated actions and content to the user.

[1177] Specific examples

[1178] Example 1: User A's household finances and the use of emotion engines

[1179] 1. User A installs the app and creates an account by entering their name, email address, and password.

[1180] The device sends this information to the server and the account is registered in the database.

[1181] 2. As an initial setup, Mr. A enters his monthly income and major expenditure items (rent, utilities, etc.).

[1182] The device sends this information to the server, where it is stored in a database.

[1183] 3. Person A links their bank account and credit card to the app.

[1184] The server periodically retrieves the latest income and expenditure data and updates the database.

[1185] 4. The AI ​​analyzes Mr. A's income and expenditure data, sets a goal of "saving 3,000 yen per month on eating out," and presents a specific plan.

[1186] The device notifies Person A of the goal and plan, and Person A approves.

[1187] 5. Mr. A uses the community function to share tips for saving on food costs with other users and exchange information.

[1188] The server stores the post and notifies other users.

[1189] 6. The progress of income and expenditure is displayed in real time, and if there is any deviation from the target, an alert will be sent to Mr. A's device.

[1190] This allows Mr. A to immediately review his spending.

[1191] 7. When A feels stressed, he / she inputs emotional data.

[1192] For example, type "I'm feeling stressed today."

[1193] The device sends the emotion data to the server, which stores it in a database.

[1194] 8. The AI ​​analyzes Mr. A's emotional state and generates appropriate feedback, such as "relaxation music" and "encouraging messages."

[1195] The device will then provide generated feedback to Person A, helping to reduce stress.

[1196] In this way, this system provides comprehensive support to help users manage their household finances comfortably and efficiently, and by combining the functions of the emotion engine, it achieves an approach that takes into account the user's psychological state.

[1197] The processing flow will be explained below.

[1198] User registration and initial settings

[1199] Step 1:

[1200] The user enters their name, email address, and password on the "Create Account" screen and presses the submit button.

[1201] Step 2:

[1202] The terminal transmits the input information to the server.

[1203] Step 3:

[1204] The server creates a new account in the database based on the information received.

[1205] Step 4:

[1206] The server returns a success message to the terminal.

[1207] Step 5:

[1208] The device will display a success message to the user and then transition to the initial setup screen.

[1209] Step 6:

[1210] The user enters income information and monthly fixed expenses (e.g. rent, utilities, etc.) and presses the submit button.

[1211] Step 7:

[1212] The terminal transmits the input information to the server.

[1213] Step 8:

[1214] The server stores the received initial configuration information in a database.

[1215] Visualization of income and expenditure

[1216] Step 9:

[1217] Users link their bank account and credit card information from the settings screen within the app.

[1218] Step 10:

[1219] The device sends the link information to the server, and the server obtains income and expenditure data from banks and credit card companies via API.

[1220] Step 11:

[1221] The server stores the acquired income and expenditure data in a database and updates it periodically.

[1222] Step 12:

[1223] The device displays the income and expenditure data to the user in graphs and charts, providing a visual overview of the income and expenditure.

[1224] Goal setting and plan proposal

[1225] Step 13:

[1226] AI on the server analyzes income and expenditure data and sets savings and financial goals for users.

[1227] Step 14:

[1228] The server sends the set goals and achievement plan (e.g., "reduce eating out expenses by 5,000 yen per month") to the terminal.

[1229] Step 15:

[1230] The device presents the goals and plan to the user and asks for approval or adjustment.

[1231] Step 16:

[1232] The user reviews the goals and plan and presses a button to approve.

[1233] Step 17:

[1234] The device sends the approval information to the server, which stores the goals and plans in a database.

[1235] Community Features

[1236] Step 18:

[1237] Users access the community screen and post and comment on savings.

[1238] Step 19:

[1239] The device sends posts and comments to a server, which stores this information in a database.

[1240] Step 20:

[1241] The server notifies other users of new posts, encouraging information sharing.

[1242] Educational content and advice

[1243] Step 21:

[1244] The server selects appropriate financial education content based on user behavioral data.

[1245] Step 22:

[1246] The device delivers selected educational content (e.g., videos, articles) to the user.

[1247] Step 23:

[1248] Users can watch and learn educational content to improve their knowledge.

[1249] Budget Management and Alerts

[1250] Step 24:

[1251] The server analyzes the user's income and expenditure data in real time and generates alerts if the target is deviated from.

[1252] Step 25:

[1253] The device pushes the generated alert to the user.

[1254] Step 26:

[1255] Users check the alerts and review their income and expenses and budgets.

[1256] Security Features

[1257] Step 27:

[1258] The server encrypts users' personal and financial data to keep it safe within the database.

[1259] Step 28:

[1260] The device provides users with security settings that they can customize as needed.

[1261] Step 29:

[1262] The user reviews the security settings and makes any necessary changes.

[1263] Emotion engine integration

[1264] Step 30:

[1265] While using the app, users input their own emotions through the emotion input interface.

[1266] For example, emotional data is collected using methods such as text input, voice recognition, and facial expression recognition.

[1267] Step 31:

[1268] The device sends the emotion data to the server, which stores it in a database.

[1269] Step 32:

[1270] The server analyzes the emotional data and identifies the user's emotional state.

[1271] Step 33:

[1272] The server takes into account the user's emotions and generates specific actions and content (e.g., relaxation music, encouraging messages) aimed at reducing stress and increasing motivation.

[1273] Step 34:

[1274] The device presents the generated actions and content to the user.

[1275] Specific examples

[1276] Step 1:

[1277] User A installs the app and creates an account by entering their name, email address, and password.

[1278] The device sends this information to the server and the account is registered in the database.

[1279] Step 2:

[1280] As an initial setting, Mr. A enters his monthly income and major expenditure items (rent, utilities, etc.).

[1281] The device sends this information to the server, where it is stored in a database.

[1282] Step 3:

[1283] Person A links his bank account and credit card to the app.

[1284] The server periodically retrieves the latest income and expenditure data and updates the database.

[1285] Step 4:

[1286] The AI ​​analyzes Mr. A's income and expenditure data, sets a goal of "saving 3,000 yen per month on eating out," and presents a specific plan.

[1287] The device notifies Person A of the goal and plan, and Person A approves.

[1288] Step 5:

[1289] Mr. A uses the community function to share "tips for saving on food costs" with other users and exchange information.

[1290] The server stores the post and notifies other users.

[1291] Step 6:

[1292] The progress of income and expenditure is displayed in real time, and if there is any deviation from the target, an alert will be sent to Mr. A's device.

[1293] This allows Mr. A to immediately review his spending.

[1294] Step 7:

[1295] When person A feels stressed, he / she enters emotional data.

[1296] For example, type "I'm feeling stressed today."

[1297] The device sends the emotion data to the server, which stores it in a database.

[1298] Step 8:

[1299] The AI ​​analyzes Mr. A's emotional state and generates appropriate feedback in the form of "relaxation music" and "encouraging messages."

[1300] The device will then provide generated feedback to Person A, helping to reduce stress.

[1301] Through these specific processing steps, the system can provide comprehensive support for users to manage their household finances comfortably and efficiently. By integrating an emotion engine, an approach that takes into account the user's psychological state can be realized.

[1302] Example 2

[1303] 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."

[1304] Conventional household management systems require manual operations to record income and expenditures and set goals, which often creates a burden for users. Furthermore, they are limited to visualizing income and expenditure data and supporting goal achievement, and lack feedback that takes into account the user's psychological state and emotions. Furthermore, they often lack sufficient functionality to promote communication between users and high security features. These issues need to be resolved.

[1305] The specific processing by the specific processing unit 290 of the data processing device 12 in Example 2 is realized by the following means. In this invention, the server includes means for receiving user information and creating a user account, means for the user to input income and fixed expenditure information during initial setup, means for saving the initial setup information and the user's income and expenditure information in a database, means for automatically acquiring the user's income and expenditure information and analyzing and visualizing the results, means for setting savings and financial goals based on the user's income and expenditure data and proposing plans to achieve those goals, means for providing a community function that allows users to share information about savings and expenditures, means for providing financial educational content and expert advice, means for monitoring the user's income and expenditure and goal achievement status and generating alerts if the user deviates from the goals, means for recognizing the user's emotional data and providing appropriate feedback based on the data, and means for implementing high security functions to protect the user's confidentiality. This allows the user to manage their household finances efficiently and comfortably and also provides emotional support.

[1306] "User" refers to an individual who uses this system to manage their household finances.

[1307] "Account Creation Means" refers to the function that receives basic user information and creates an individual account on the system.

[1308] "Initial setting means" refers to a function that allows users to input income information and fixed expenditure information and perform initial settings for system use.

[1309] "Income and Expenditure Information" means data regarding a User's income and expenses.

[1310] "Means for acquiring income and expenditure information" refers to a function for automatically acquiring income and expenditure data from a user's bank account or credit card.

[1311] "Database" refers to a data storage area for storing users' income and expenditure information and initial setting information.

[1312] "Analysis means" refers to the function for analyzing the acquired income and expenditure data and providing useful information to the user.

[1313] "Visualization means" refers to a function that displays income and expenditure data in a graphical format so that users can easily understand it.

[1314] "Goal setting means" refers to a function for setting savings and financial goals based on the user's income and expenditure data.

[1315] The "means for proposing an achievement plan" refers to a function for proposing a specific plan for achieving a set goal.

[1316] "Community function" refers to a means for users to share information about savings and spending.

[1317] "Educational Content" refers to articles and video tutorials designed to improve financial knowledge and skills.

[1318] "Advice means" refers to a function for providing professional advice to users.

[1319] "Alert generation means" refers to a function for monitoring a user's income and expenditure and goal achievement status, and issuing a warning if the user deviates from the goal.

[1320] "Emotional data" refers to data relating to a user's psychological state and emotions.

[1321] "Emotion recognition means" refers to a function for collecting user emotion data and recognizing the user emotion based on that data.

[1322] "Feedback means" refers to a function for providing appropriate feedback to the user based on the recognized emotion data.

[1323] "Security features" refer to features for protecting users' personal information and data.

[1324] Detailed Description of the Invention

[1325] This invention relates to a household management system that efficiently supports users in managing their income and expenses and achieving their goals. The system receives user information, creates an account, automatically acquires and analyzes income and expense information, and visualizes it. It also has functions for setting savings and financial goals based on income and expense data and proposing plans to achieve them. It also features a community function that allows users to share information, a function that provides financial educational content and expert advice, a function that monitors income and expense and goal achievement in real time and generates alerts, and high security functions. It also integrates an emotion engine that recognizes users' emotional data and provides feedback.

[1326] Specific implementation methods and hardware / software used

[1327] Hardware Configuration

[1328] This household management system is implemented mainly using the following hardware:

[1329] Server: Stores, analyzes, notifies, and generates feedback on income and expenditure data.

[1330] Terminal: The device used by the user (smartphone, tablet, PC, etc.) where data is entered and information is displayed.

[1331] Software Configuration

[1332] The system is implemented using the following software:

[1333] Database Management System (DBMS): A database for storing financial data, account information, and initial configuration information.

[1334] API: An interface for obtaining external data, such as bank account or credit card information.

[1335] Generative AI model: The AI ​​model that helps analyze the balance data and power the sentiment engine.

[1336] Below, the operation of the system will be explained using specific examples of each.

[1337] Specific examples

[1338] Example 1: User A's household finances and the use of emotion engines

[1339] 1. Create an account:

[1340] User A installs the app and creates an account by entering their name, email address, and password.

[1341] The terminal sends this information to the server, which registers the new account in its database.

[1342] 2. Initial Setup:

[1343] Person A enters his / her monthly income and major expenditure items (rent, utilities, etc.) on the initial setup screen.

[1344] The device sends this data to the server, which stores it in a database.

[1345] 3. Acquiring income and expenditure data:

[1346] Person A links his bank account and credit card to the app.

[1347] The server periodically retrieves the latest income and expenditure data and updates the database.

[1348] 4. Goal setting and plan proposal:

[1349] The AI ​​analyzes Mr. A's income and expenditure data, sets a goal of "saving 3,000 yen per month on eating out," and presents a specific plan.

[1350] The device notifies Person A of the goal and plan, and Person A approves.

[1351] 5. Use of Community Features:

[1352] Person A uses the community function to share "tips for saving on food costs" with other users and exchange information.

[1353] The server stores the posted content and notifies other users.

[1354] 6. Generate alerts:

[1355] The server monitors income and expenditure data in real time and generates alerts if the target is deviated.

[1356] The device will send an alert to Person A, who can then immediately review his or her spending.

[1357] 7. Emotional Input and Feedback:

[1358] When person A feels stressed, he / she inputs emotional data such as "I'm feeling very stressed today."

[1359] The device sends this data to the server, which stores it in a database.

[1360] The AI ​​analyzes Mr. A's emotional state and generates "relaxation music" and "encouraging messages."

[1361] The device displays the generated feedback to Person A, helping to reduce stress.

[1362] Prompt Sentence Examples

[1363] "Please tell me some specific ways to cut down on my monthly eating out expenses."

[1364] "Please create a budget plan for May based on the income and expenditure data."

[1365] "Recommend relaxation music to help reduce stress."

[1366] This allows users to manage their finances effectively and comfortably, while also ensuring they receive emotional support.

[1367] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1368] Step 1: Create a user account

[1369] Input: The user enters their name, email address, and password.

[1370] Operation:

[1371] 1. The user accesses the application and enters the required information on the account creation screen.

[1372] 2. The terminal sends the entered data to the server.

[1373] 3. The server validates the received information and checks for duplicate accounts.

[1374] 4. The server saves the validated information to the database and creates the new account.

[1375] Output: The server sends a successful account creation message to the device to notify the user.

[1376] Step 2: Enter the initial configuration information

[1377] Input: The user enters fixed expenditure information such as monthly income, rent, and utilities.

[1378] Operation:

[1379] 1. The user accesses the app's initial setup screen and enters their income and fixed expense information.

[1380] 2. The device sends the input data to the server.

[1381] 3. The server stores the received initial configuration information in a database.

[1382] Output: The server sends an initialization completion message to the terminal and notifies the user.

[1383] Step 3: Obtaining income and expenditure data

[1384] Input: User links bank account or credit card.

[1385] Operation:

[1386] 1. The user enters their bank account and credit card information on the settings screen.

[1387] 2. The device sends the link information to the server.

[1388] 3. The server periodically retrieves income and expenditure data from banks and credit card services using APIs.

[1389] 4. Save the acquired income and expenditure data in the database.

[1390] Output: The server sends a message to the terminal indicating that the latest balance data has been acquired.

[1391] Step 4: View your income and expenditure data

[1392] Input: The user opens the balance confirmation screen.

[1393] Operation:

[1394] 1. The user accesses the application's balance confirmation screen.

[1395] 2. The terminal sends a request to the server to obtain income and expenditure data.

[1396] 3. The server retrieves the latest balance data from the database and sends it to the terminal.

[1397] 4. The device will display your income and expenditure data in graphs and charts.

[1398] Output: The user gets visualized balance information.

[1399] Step 5: Set goals and propose a plan

[1400] Input: User's income and expenditure data.

[1401] Operation:

[1402] 1. The generative AI model on the server analyzes the user's income and expenditure data.

[1403] 2. The AI ​​sets a savings goal (e.g., "reduce eating out expenses by 5,000 yen per month") and generates a specific plan.

[1404] 3. The server sends the goal and plan to the device.

[1405] 4. The device presents the user with the goal and plan and asks for their approval.

[1406] 5. The user approves or modifies the data, and the device sends the data to the server.

[1407] Output: The user is presented with the approved savings goal and plan.

[1408] Step 6: Use community features

[1409] Input: User posts, comments.

[1410] Operation:

[1411] 1. A user posts using the community function.

[1412] 2. The device sends the posting data to the server.

[1413] 3. The server saves the posted data in a database and notifies other users.

[1414] 4. Other users comment or react, and the device sends that data to the server.

[1415] Output: Information and comments shared within the community are updated as they happen.

[1416] Step 7: Analysis of income and expenditures and generation of alerts

[1417] Input: User's income and expenditure data.

[1418] Operation:

[1419] 1. The server monitors the user's income and expenditure data in real time.

[1420] 2. Generate an alert if the server deviates from the target.

[1421] 3. The server sends the alert content to the device.

[1422] 4. The device notifies the user of the alert.

[1423] 5. The user checks the alert and reviews their spending as needed.

[1424] Output: Alert notifications are sent to users to facilitate improved budget management.

[1425] Step 8: Input and analyze emotion data

[1426] Input: User emotion data (e.g. text, voice, facial expressions).

[1427] Operation:

[1428] 1. The user inputs their own emotions through the emotion input interface.

[1429] 2. The device sends the emotion data to the server.

[1430] 3. The server stores the received emotion data in a database.

[1431] 4. The server analyzes the emotional data and identifies the user's emotional state.

[1432] 5. The server generates the feedback content and sends it to the device.

[1433] Output: The user is given appropriate feedback (e.g., relaxing music, encouraging messages).

[1434] (Application example 2)

[1435] 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."

[1436] When it comes to managing their household finances, users often find it difficult to efficiently grasp income and expenditures and set goals, with emotional factors in particular often hindering spending management. There is also a demand for visualization of income and expenditure data, provision of specific plans for achieving goals, and information sharing and professional financial advice through communities. Furthermore, a lack of psychological support for users often leads to stress and a decline in motivation, which negatively impacts their ability to continue managing their household finances. To solve these issues, it is necessary to provide support functions that utilize emotional data in addition to advanced income and expenditure management functions.

[1437] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for receiving user information and creating a user account, means for automatically acquiring the user's income and expenditure information and analyzing and visualizing the results, means for setting savings and financial goals based on the user's income and expenditure data and proposing a plan to achieve those goals, means for providing a community function that allows users to share information about savings and expenditures, means for providing financial educational content and expert advice, means for monitoring the user's income and expenditure and goal achievement status and generating an alert if the user deviates from the goal, means for implementing high security functions to protect the user's confidentiality, and means for acquiring and analyzing the user's emotional data and proposing appropriate actions based on the data. This allows the user to efficiently manage their household finances and continue to take appropriate actions toward achieving their goals while receiving emotional support.

[1438] "User information" refers to basic personal data (such as name, email address, and password) required for account creation and household management.

[1439] A "user account" is a dedicated identifier for managing a user's personal information and data related to household management.

[1440] "Income and expenditure information" refers to data on the user's income and expenditure, and is the basis for household management.

[1441] "Savings and financial goals" are specific numerical targets for savings and asset formation set by users.

[1442] An "achievement plan" is a plan that shows specific means and steps to achieve a set goal.

[1443] "Community Function" means an online interaction function that allows users to share information and experiences with other users.

[1444] "Educational content" refers to media content such as educational materials and videos related to financial literacy and household management.

[1445] "Professional advice" means appropriate advice or guidelines from a financial professional.

[1446] An "alert" is a warning message that notifies the user when deviations from a set goal occur.

[1447] "High security features" are functions that protect the confidentiality of user information using methods such as data encryption and multi-factor authentication.

[1448] "Emotional data" is data that expresses a user's psychological state or emotions using numbers, text, voice, etc.

[1449] "Appropriate actions" are specific advice or measures (such as relaxing music or encouraging messages) provided in response to the user's emotions and behavior.

[1450] This invention relates to a household management system for electronic payment services that improves the efficiency of users' income and expenditure management and helps them achieve their goals. This system has the following functions and means.

[1451] 1. Create a user account

[1452] A user downloads an electronic payment app and creates an account by entering their name, email address, and password. This information is sent to a server, which then creates an account in the database.

[1453] 2. Enter the initial setup information

[1454] The user enters their income information and monthly fixed expenses (rent, utility bills, etc.) as the initial setting. This information is sent from the device to the server and stored in a database.

[1455] 3. Acquisition and visualization of income and expenditure data

[1456] Users link their bank accounts and credit cards to the system. The server periodically retrieves the latest income and expenditure data from the linked accounts and updates the database.

[1457] The device displays income and expenditure information to the user in graphs and charts, providing a visual overview of income and expenditure.

[1458] 4. Goal setting and plan proposal

[1459] The AI ​​on the server analyzes the income and expenditure data, sets the user's savings and financial goals, and generates a specific plan, such as "reducing eating out expenses by 3,000 yen per month."

[1460] The terminal presents the goal and plan to the user and asks for approval.

[1461] 5. Community Features

[1462] Users can use the community function within the app to share their savings information and experiences with other users. The server stores posts and comments in a database and notifies other users.

[1463] 6. Educational content and expert advice

[1464] The server selects educational articles and video tutorials on finance and delivers them to users at the appropriate time. The terminal displays these articles and helps users learn.

[1465] 7. Alert Generation

[1466] The server monitors the user's income and expenditure data in real time and generates an alert if the user deviates from the set goal. The device notifies the user of the alert and prompts them to review their budget.

[1467] 8. High security features

[1468] The server protects users' personal information through data encryption and multi-factor authentication, while the device provides users with security settings that can be customized as needed.

[1469] 9. Emotion Engine Integration

[1470] While using the app, users input their emotions through an emotion input interface (collected through methods such as text input, voice recognition, and facial expression recognition).

[1471] The device sends the emotion data to the server, which stores it in a database.

[1472] The server analyzes the emotional data to determine the user's emotional state.

[1473] The server takes into account the user's emotions and generates specific actions and content (e.g., relaxation music, encouraging messages) aimed at reducing stress and increasing motivation.

[1474] The terminal presents the generated actions and content to the user.

[1475] Specific system implementation example

[1476] 1. Acquisition and visualization of income and expenditure data

[1477] Use APIs to retrieve bank account and credit card data, and use libraries such as Matplotlib to generate and display graphs.

[1478] 2. Emotion engine integration

[1479] The server uses an emotion recognition API to analyze the emotional data entered by the user and take appropriate action (such as playing relaxing music or sending an encouraging message).

[1480] Prompt Sentence Examples

[1481] Users interact with the app by entering prompts like:

[1482] "Open the app to get your latest income and expenditure data and view it in a graph. It also helps you set goals, recognizes emotions, and suggests appropriate actions."

[1483] This allows users to understand their income and expenditure situation and receive emotional support all in one place, allowing them to maintain motivation to achieve their goals.

[1484] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1485] Step 1:

[1486] A user downloads the app and creates an account by entering their name, email address, and password. The information is sent by the device to a server, which stores it in a database and creates a new account. This process provides the user with the foundation for using the home finance management system.

[1487] Step 2:

[1488] The user enters their income information and monthly fixed expenses (rent, utilities, etc.) as the initial setup. This information is sent by the device to the server, which stores it in a database. This prepares the user for income and expenditure management and provides the system with basic data to set appropriate goals.

[1489] Step 3:

[1490] The user links their bank account or credit card to the system. The device collects the linking information through an input form and sends it to the server. The server periodically retrieves the latest balance data using the Google Cloud API and updates the database. Through this process, the user's balance data is automatically collected and updated.

[1491] Step 4:

[1492] The AI ​​on the server analyzes the user's income and expenditure data using machine learning algorithms to set saving and financial goals for the user. For example, it generates a specific goal such as "reducing monthly dining out expenses by 3,000 yen" based on the user's past spending patterns. This goal is sent to the device and displayed to the user.

[1493] Step 5:

[1494] The user confirms and approves the goals and plans generated by the server through the device. The device then sends the user's approval to the server, which stores it in the database. This process officially sets the goals, and the system is ready to support their achievement.

[1495] Step 6:

[1496] The server monitors the user's income and expenditure data in real time and generates an alert if the user deviates from the set goal. For example, if the user exceeds the target dining out expense, the system immediately sends an alert and notifies the terminal. This process allows the user to immediately review their spending.

[1497] Step 7:

[1498] Users can use the community function to share their savings information and experiences with other users. The device sends posts and comments to the server, which stores them in a database and notifies other users. This function allows users to support each other through information sharing.

[1499] Step 8:

[1500] The server delivers financial educational content and expert advice to users at the appropriate time, and the content is displayed to the user through the device. For example, the user can watch a video tutorial to learn new ways to save money.

[1501] Step 9:

[1502] The user inputs their emotions through the emotion input interface. The device collects the emotion data and sends it to the server. The server uses an emotion recognition API to identify the user's emotional state and determine appropriate actions based on it. For example, if the user inputs "I'm stressed today," the system will suggest playing relaxation music.

[1503] Step 10:

[1504] The device presents the generated actions and content (relaxation music and encouraging messages) to the user, allowing the user to continue managing their household finances while receiving psychological support.

[1505] This allows users to efficiently manage their household finances and continue to take appropriate actions to achieve their goals while receiving emotional support.

[1506] Example prompt sentence:

[1507] "Open the app to get your latest income and expenditure data and view it in a graph. It also helps you set goals, recognizes emotions, and suggests appropriate actions."

[1508] 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.

[1509] 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.

[1510] 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.

[1511] [Third embodiment]

[1512] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[1513] 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.

[1514] 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).

[1515] 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.

[1516] 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.

[1517] 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).

[1518] 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.

[1519] 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.

[1520] 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.

[1521] 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.

[1522] 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.

[1523] 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."

[1524] This invention relates to a household management system that improves the efficiency of users' income and expenditure management and supports goal achievement. The system includes multiple means for receiving user information and realizing account creation, income and expenditure visualization, goal setting, community functions, provision of educational content, alert generation, and security management.

[1525] Explanation of program processing

[1526] User registration and initial settings

[1527] 1. Create a user account:

[1528] A user accesses the system and creates an account by entering their name, email address, and password.

[1529] The device sends this information to the server and requests account creation.

[1530] The server registers the new account in the database based on the received information.

[1531] 2. Initial Setup Information:

[1532] As an initial setup, the user enters income information and monthly fixed expenses (e.g. rent, utility bills, etc.).

[1533] The terminal sends this information to the server, and the initial setting information is stored in a database.

[1534] Visualization of income and expenditure

[1535] 1. Acquiring income and expenditure data:

[1536] Users link their bank accounts and credit cards to the system.

[1537] The server periodically obtains the latest income and expenditure data from the partner and updates the database.

[1538] 2. View your balance data:

[1539] The device displays income and expenditure information in graphs and charts, allowing users to easily understand the current situation.

[1540] Goal setting and plan proposal

[1541] 1. Goal Setting:

[1542] AI running on the server analyzes users' income and expenditure data and sets appropriate savings and financial goals.

[1543] For example, generate a specific savings plan such as "reduce eating out expenses by 5,000 yen per month."

[1544] 2. Plan presentation:

[1545] The device presents the goals and plan to the user and asks for approval.

[1546] Community Features

[1547] 1. Information sharing:

[1548] Users can use the in-app community feature to share savings information and experiences with other users.

[1549] The server stores posts and comments in a database and notifies other users.

[1550] Educational content and advice

[1551] 1. Providing educational content:

[1552] The server selects educational articles and video tutorials on finance and delivers them to users at the appropriate time.

[1553] The device displays educational content to the user to help them learn.

[1554] Budget Management and Alerts

[1555] 1. Balance analysis and alert generation:

[1556] The server monitors users' income and expenditure data in real time and generates alerts if the data deviates from the set goals.

[1557] The device will notify the user of the alert and encourage them to review their budget.

[1558] Security Features

[1559] 1. Data Protection:

[1560] The server protects users' personal information through data encryption and multi-factor authentication.

[1561] The device provides users with security settings that they can customize as needed.

[1562] Specific examples

[1563] Example 1: User A's household finances

[1564] 1. User A installs the app and creates an account by entering their name, email address, and password.

[1565] The device sends this information to the server and the account is registered in the database.

[1566] 2. As an initial setup, Mr. A enters his monthly income and major expenditure items (rent, utilities, etc.).

[1567] The device sends this information to the server, where it is stored in a database.

[1568] 3. Person A links their bank account and credit card to the app.

[1569] The server periodically retrieves the latest income and expenditure data and updates the database.

[1570] 4. The AI ​​analyzes Mr. A's income and expenditure data, sets a goal of "saving 3,000 yen per month on eating out," and presents a specific plan.

[1571] The device notifies Person A of the goal and plan, and Person A approves.

[1572] 5. Mr. A uses the community function to share tips for saving on food costs with other users and exchange information.

[1573] The server stores the post and notifies other users.

[1574] 6. The progress of income and expenditure is displayed in real time, and if there is any deviation from the target, an alert will be sent to Mr. A's device.

[1575] This allows Mr. A to immediately review his spending.

[1576] 7. The security features protect Mr. A's personal information and financial data, allowing him to use the app with peace of mind.

[1577] In this way, this system provides comprehensive support for users to manage their household finances comfortably and efficiently.

[1578] The processing flow will be explained below.

[1579] Program processing details

[1580] User registration and initial settings

[1581] Step 1:

[1582] The user enters their name, email address, and password on the "Create Account" screen and presses the submit button.

[1583] Step 2:

[1584] The terminal transmits the input information to the server.

[1585] Step 3:

[1586] The server creates a new account in the database based on the information received.

[1587] Step 4:

[1588] The server returns a success message to the terminal.

[1589] Step 5:

[1590] The device will display a success message to the user and then transition to the initial setup screen.

[1591] Step 6:

[1592] The user enters income information and monthly fixed expenses (e.g. rent, utilities, etc.) and presses the submit button.

[1593] Step 7:

[1594] The terminal transmits the input information to the server.

[1595] Step 8:

[1596] The server stores the received initial configuration information in a database.

[1597] Visualization of income and expenditure

[1598] Step 9:

[1599] Users link their bank account and credit card information from the settings screen within the app.

[1600] Step 10:

[1601] The device sends the link information to the server, and the server obtains income and expenditure data from banks and credit card companies via API.

[1602] Step 11:

[1603] The server stores the acquired income and expenditure data in a database and updates it periodically.

[1604] Step 12:

[1605] The device displays the income and expenditure data to the user in graphs and charts, providing a visual overview of the income and expenditure.

[1606] Goal setting and plan proposal

[1607] Step 13:

[1608] AI on the server analyzes income and expenditure data and sets savings and financial goals for users.

[1609] Step 14:

[1610] The server sends the set goals and achievement plan (e.g., "reduce eating out expenses by 5,000 yen per month") to the terminal.

[1611] Step 15:

[1612] The device will notify the user of their goals and plans and ask for approval or adjustment.

[1613] Step 16:

[1614] The user reviews the goals and plan and presses a button to approve.

[1615] Step 17:

[1616] The device sends the approval information to the server, which stores the goals and plans in a database.

[1617] Community Features

[1618] Step 18:

[1619] Users access the community screen and post and comment on savings.

[1620] Step 19:

[1621] The device sends posts and comments to a server, which stores this information in a database.

[1622] Step 20:

[1623] The server notifies other users of new posts, encouraging information sharing.

[1624] Educational content and advice

[1625] Step 21:

[1626] The server selects appropriate financial education content based on user behavioral data.

[1627] Step 22:

[1628] The device delivers selected educational content (e.g., videos, articles) to the user.

[1629] Step 23:

[1630] Users can watch and learn educational content to improve their knowledge.

[1631] Budget Management and Alerts

[1632] Step 24:

[1633] The server analyzes the user's income and expenditure data in real time and generates alerts if the target is deviated from.

[1634] Step 25:

[1635] The device pushes the generated alert to the user.

[1636] Step 26:

[1637] Users check the alerts and review their income and expenses and budgets.

[1638] Security Features

[1639] Step 27:

[1640] The server encrypts users' personal and financial data to keep it safe within the database.

[1641] Step 28:

[1642] The device provides users with security settings that they can customize as needed.

[1643] Step 29:

[1644] The user reviews the security settings and makes any necessary changes.

[1645] Through these specific processing steps, the present system can provide comprehensive support to help users manage their household finances comfortably and efficiently.

[1646] Example 1

[1647] 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."

[1648] Today's users spend a lot of time and effort managing their income and expenses, making it difficult to manage their household finances efficiently and achieve their goals. Other issues include a lack of forums for users to share information, a lack of real-time monitoring of income and expense data, and a lack of appropriate advice for achieving goals. Furthermore, there are cases where users' personal information is not adequately protected, creating a need for a household finance management system that can solve these problems.

[1649] 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.

[1650] In this invention, the server includes: means for receiving user information and creating a user account; means for allowing a user to input income and fixed expenditure information during initial setup and saving the initial setup information in a database; means for linking the user's bank account and payment card information and periodically acquiring income and expenditure data; means for analyzing and visualizing the acquired income and expenditure data; means including a generative AI model for setting savings and financial goals based on the user's income and expenditure data and providing a plan for achieving those goals; means for providing a community function where users can share information about savings and expenditures; means for providing financial educational content and expert advice; means for monitoring the user's income and expenditure and goal achievement status in real time and generating an alert if the goal is deviated from; and means for implementing high security functions to protect the user's confidentiality. This allows users to efficiently manage their income and expenditures, support goal achievement, and safely use the system while protecting their personal information.

[1651] "User Account" means a set of personal identification information created for a User to use the System.

[1652] "Initial setting information" refers to basic financial information such as income and fixed expenses, which is entered by the user when they start using the system.

[1653] A "bank account" is an account at a financial institution that manages information about a user's deposits and transactions.

[1654] "Payment Card Information" means information relating to cards used in transactions, such as credit cards or debit cards.

[1655] "Income and Expenditure Data" refers to detailed information about your income and expenses, which indicates your financial situation.

[1656] A "generative AI model" is a model that uses artificial intelligence technology to analyze income and expenditure data and set appropriate savings and financial goals.

[1657] The "community function" allows users to share information about savings and spending and exchange opinions.

[1658] "Educational content" refers to educational materials, such as financial articles and video tutorials, that are designed to improve users' financial literacy.

[1659] An "alert" is a warning message that notifies the user when a deviation from the target occurs.

[1660] "Security features" are features for protecting users' personal information and financial data, including data encryption and two-factor authentication.

[1661] This invention relates to a household management system that improves the efficiency of users' income and expenditure management and supports goal achievement. The system receives user information and includes multiple means for realizing account creation, income and expenditure visualization, goal setting, community functions, educational content provision, alert generation, and security management.

[1662] Creating and initializing a user account

[1663] Users access the system using a device such as a smartphone or PC and create an account by entering their name, email address, and password. The device encrypts this information and sends it to the server, which then registers the new account in the database based on the received information. Next, the user enters their monthly income information and fixed expenses (rent, utility bills, etc.), and the device sends this information to the server, which saves the initial setup information in the database.

[1664] Visualization of income and expenditure

[1665] Users connect their bank account and payment card information to the system, and the server periodically calls the API of the connected device to obtain the latest balance data. The server then stores the obtained balance data in a database, and the device displays the balance information in graphs and charts, allowing users to easily understand the current situation.

[1666] Goal setting and plan proposal

[1667] The generative AI model running on the server analyzes the user's income and expenditure data and sets appropriate savings and financial goals. For example, by analyzing past data, it generates a specific savings plan such as "reducing eating out expenses by 5,000 yen per month." The server then sends the generated goal and plan to the device, which notifies the user and asks for their approval.

[1668] Community Features

[1669] Users can use the community page to share their savings information and experiences with other users. The device sends the user's posts to the server, which then stores them in a database and notifies other users.

[1670] Educational content and advice

[1671] The server periodically selects educational articles and video tutorials on finance and dynamically delivers them to users based on their financial situation. The device displays the delivered educational content to users to support their learning.

[1672] Budget Management and Alerts

[1673] The server monitors users' income and expenditure data in real time and generates an alert if the user deviates from the set goal. The device notifies the user of the alert and encourages them to review their budget.

[1674] Security Features

[1675] The server protects the user's personal information using data encryption and two-factor authentication. The device provides the user with security configuration options (e.g., enabling two-factor authentication or changing passwords), and sends the configuration settings to the server for storage.

[1676] Specific examples

[1677] User A's household finances

[1678] Person A installs the app and creates an account by entering their name, email address, and password. Next, Person A enters their monthly income and major expenditure items, which their device sends to the server. Person A then connects their bank account and payment card to the app, and the server periodically retrieves income and expenditure data and updates the database. The generative AI model then analyzes Person A's data and sets a goal, such as "save 3,000 yen per month on food expenses." Person A can use the community function to share their savings information with other users, check their income and expenditure progress in real time, and receive alerts if they deviate from their goal, allowing them to immediately review their spending.

[1679] Example prompt sentence:

[1680] User A:

[1681] Monthly salary: 300,000 yen

[1682] Fixed expenses: Rent 70,000 yen, Utilities 10,000 yen, Communication 5,000 yen

[1683] Variable expenses: Food 30,000 yen, Dining out 15,000 yen, Hobbies 20,000 yen

[1684] Analyze Mr. A's monthly income and expenditure data and propose a specific savings plan. For example, a specific proposal such as "reducing eating out expenses by 3,000 yen per month."

[1685] In this way, the system is designed to enable users to efficiently manage their income and expenditures, support them in achieving their goals, and enable them to use the system safely while protecting their personal information.

[1686] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1687] Step 1:

[1688] Creating a user account

[1689] Input: The user enters their name, email address, and password.

[1690] How it works: A user accesses the system, enters the required information into the form, and then presses the "Register" button. The device encrypts this information and sends it to the server.

[1691] Data processing: The server stores the received information in a database and creates a new account.

[1692] Output: The server sends a message to the device that the account has been created, and the device notifies the user.

[1693] Step 2:

[1694] Entering the Initial Configuration Information

[1695] Input: The user enters monthly income information and fixed expenses (rent, utilities, etc.).

[1696] How it works: The user enters this information into a form within the app and presses the "Save" button. The device then sends this information to the server.

[1697] Data processing: The server stores the received initial setting information in a database.

[1698] Output: The server sends a message to the terminal that initial setup is complete, and the terminal notifies the user.

[1699] Step 3:

[1700] Acquisition and storage of income and expenditure data

[1701] Input: User connects bank account or payment card information.

[1702] How it works: The user connects their bank account and payment card information within the app, and the server periodically calls the connected API.

[1703] Data processing: The server obtains the latest income and expenditure data from the partner and stores it in the database.

[1704] Output: The acquired income and expenditure data is saved in the database.

[1705] Step 4:

[1706] Visualization of income and expenditure data

[1707] Input: The server receives a request to retrieve financial data.

[1708] Operation: The terminal sends a request to the server to display the balance data, and the server retrieves the balance data from the database.

[1709] Data processing: The server generates data that converts the income and expenditure data into graphs and charts.

[1710] Output: The server sends the generated data to the terminal, which generates graphs and charts and displays them to the user.

[1711] Step 5:

[1712] Goal setting and plan presentation

[1713] Input: The server inputs income and expenditure data into the generative AI model.

[1714] How it works: A generative AI model on the server analyzes income and expenditure data and sets appropriate savings and financial goals.

[1715] Data processing: The AI ​​model generates specific savings goals and plans as a result of the analysis.

[1716] Output: The server sends the generated goal and plan to the terminal, which notifies the user and asks for approval.

[1717] Step 6:

[1718] Use of community features

[1719] Input: Users enter comments or posts about savings or expenses.

[1720] How it works: A user accesses a community page, enters information, and presses the submit button. The device then sends the post to the server.

[1721] Data processing: The server saves the posted content in a database and notifies other users.

[1722] Output: Other users' devices display new posts and comments.

[1723] Step 7:

[1724] Educational content distribution

[1725] Input: The server decides when to deliver.

[1726] How it works: A server dynamically selects and delivers educational financial articles and video tutorials.

[1727] Data processing: The server selects and distributes the content according to the user's financial situation.

[1728] Output: The device displays the delivered educational content to the user.

[1729] Step 8:

[1730] Budget management and alert notifications

[1731] Input: The server monitors your balance data in real time.

[1732] Action: Generates an alert if the server deviates from the set goals.

[1733] Data processing: The server detects target deviation events and generates alert messages.

[1734] Output: The server sends an alert to the terminal, which notifies the user.

[1735] Step 9:

[1736] Implementing security features

[1737] Input: User information, income and expenditure data

[1738] How it works: The server implements data encryption and two-factor authentication to protect user data.

[1739] Data processing: The server encrypts the data and adds an authentication process.

[1740] Output: Security-enhanced user data is protected.

[1741] (Application example 1)

[1742] 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."

[1743] In modern society, many users need a way to efficiently manage their income and expenses and achieve their goals. However, traditional methods require users to manually record their income and expenses, making it difficult to obtain the information and advice they need, and raising security concerns. Furthermore, they lack the ability to automatically present specific plans for achieving goals and community features for sharing information with other users. To address these issues, improvements to income and expense management systems are needed.

[1744] 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.

[1745] In this invention, the server includes: means for receiving user information and creating a user account; means for automatically acquiring the user's income and expenditure information and analyzing and visualizing the results; means for setting savings and financial goals based on the user's income and expenditure data and proposing plans to achieve those goals; means for providing a community function that allows users to share information about savings and expenditures; means for providing financial educational content and expert advice; means for monitoring the user's income and expenditure and goal achievement status and generating alerts if the goal is deviated from; means for implementing high security functions to protect the user's confidentiality; means for the user to link with a bank account or electronic money and manage income and expenditure in real time; and means for analyzing the user's spending patterns and automatically proposing financial goals using AI. This enables users to efficiently manage their income and expenditure and share information with peace of mind while being supported in achieving their goals.

[1746] "User" means an individual who uses this system to manage their income and expenses.

[1747] "Account" refers to the authentication information that allows a user to access the system and manage individual information.

[1748] "Income and Expenditure Information" means data regarding a User's income and expenses.

[1749] "Automatically acquired" means that the system collects data without manual intervention.

[1750] "Visualization" refers to the display of data in a visual form such as a graph or chart.

[1751] A "savings goal" is a specific numerical target set by the user for reducing spending.

[1752] "Financial goals" are specific numerical targets set by users for future earnings and asset formation.

[1753] "Achievement Plan" refers to the action plan proposed by the system to achieve the set goal.

[1754] The "community function" is a function that allows users to share information and interact with each other.

[1755] "Educational Content" means educational materials or resources that provide information about financial management and savings methods.

[1756] "Professional advice" means guidance or advice from a person with specialized financial management expertise.

[1757] "Monitoring" means that the system constantly checks users' income and expenditure information and goal achievement status.

[1758] An "alert" is a warning notification sent by the system to the user when deviations from set goals occur.

[1759] "Security Features" refers to the safety measures that the system takes to protect users' personal and financial information.

[1760] "Confidentiality" refers to the protection of user information so that it is not leaked to third parties.

[1761] "Integration" refers to the system connecting with external services such as bank accounts and electronic money and exchanging data.

[1762] "Real-time" refers to data and information that is updated immediately.

[1763] "Spending patterns" refers to data that shows a user's past consumption behavior and tendencies.

[1764] "AI" stands for artificial intelligence, a technology that automatically makes decisions and makes suggestions through machine learning and data analysis.

[1765] In this invention, a system program for improving the efficiency of income and expenditure management and supporting goal achievement is implemented based on the following.

[1766] User registration and initial settings

[1767] 1. Create a user account:

[1768] Users create an account by entering their name, email address, password, etc. from their device (smartphone or tablet).

[1769] The server receives this information and registers the new account in a database (e.g. MongoDB).

[1770] 2. Initial Setup Information:

[1771] The user enters their income and fixed expenditure items (e.g. rent, utility bills) and sends this information to the server.

[1772] The server stores the received information in a database.

[1773] Visualization of income and expenditure

[1774] 1. Acquiring income and expenditure data:

[1775] Users link their bank accounts and credit cards to the system.

[1776] The server periodically obtains the latest income and expenditure data from partners via API and updates the database.

[1777] 2. View your balance data:

[1778] The device displays income and expenditure information in graphs and charts, allowing users to easily understand their current situation.

[1779] Goal setting and plan proposal

[1780] 1. Goal Setting:

[1781] The server analyzes income and expenditure data using an AI model (e.g., TensorFlow) and sets savings and financial goals.

[1782] For example, generate a specific savings plan such as "reducing eating out expenses by 5,000 yen per month."

[1783] 2. Plan presentation:

[1784] The device presents the user with goals and plans and asks for approval.

[1785] Community Features

[1786] 1. Information sharing:

[1787] Users can use the in-app community feature to share savings information and experiences with other users.

[1788] The server stores posts and comments in a database and notifies other users.

[1789] Educational content and advice

[1790] 1. Providing educational content:

[1791] The server selects educational financial articles and video tutorials and delivers them at the appropriate time.

[1792] The device displays educational content to users to help them learn.

[1793] Budget Management and Alerts

[1794] 1. Balance analysis and alert generation:

[1795] The server monitors income and expenditure data in real time and generates alerts if the data deviates from set targets.

[1796] The device will notify the user of the alert and encourage them to review their budget.

[1797] Security Features

[1798] 1. Data Protection:

[1799] The server protects user personal information through data encryption (e.g., AWS KMS) and multi-factor authentication (e.g., Twilio).

[1800] The device provides users with security settings that they can customize as needed.

[1801] Specific examples

[1802] Users set a goal of "keeping food expenses under 10,000 yen this month." Based on this goal, the AI ​​model analyzes past spending data and suggests in real time which items can be reduced. If the user deviates from the goal, the app will send a notification and encourage them to review their budget.

[1803] Prompt Sentence Examples

[1804] Prompt statement:

[1805] "Please explain how the app can set a goal of keeping food expenses under 10,000 yen this month, and then use past spending data to suggest which items can be reduced in real time. Also, explain how the app will notify the user if they deviate from their budget."

[1806] The system is a comprehensive solution that helps users effectively manage their finances and get help in achieving their goals.

[1807] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1808] Step 1:

[1809] Create a user account

[1810] Input: The user enters their name, email address, and password on their device.

[1811] Specific operation: The terminal sends the entered information to the server.

[1812] Data processing / calculation: The server registers the received information in a database.

[1813] Output: A new user account is created.

[1814] Step 2:

[1815] Entering the Initial Configuration Information

[1816] Input: The user enters their income and fixed expenses (e.g. rent, utility bills) into the terminal.

[1817] Specific operation: The terminal sends the entered income and fixed expenditure information to the server.

[1818] Data processing / calculation: The server stores the initial setting information in a database.

[1819] Output: The user's income and expenditure information is reflected in the system.

[1820] Step 3:

[1821] Acquisition of income and expenditure data

[1822] Input: The user links their bank account or credit card to the system.

[1823] Specific operation: The server periodically obtains the latest income and expenditure data through the partner API.

[1824] Data processing / calculation: The server updates the acquired income and expenditure data in the database.

[1825] Output: The latest balance information is saved in the database.

[1826] Step 4:

[1827] Displaying income and expenditure data

[1828] Input: User action requesting display of income and expenditure data.

[1829] Specific operation: The terminal requests balance information from the server.

[1830] Data processing / calculation: The server retrieves income and expenditure information from the database and converts it into a data format for visualization.

[1831] Output: Graphs and charts of income and expenditures are displayed on the terminal.

[1832] Step 5:

[1833] goal setting

[1834] Input: User's income and expenditure data.

[1835] Specific operation: The server sends the income and expenditure data to an AI model (e.g., TensorFlow).

[1836] Data processing / calculation: AI models analyze income and expenditure data and suggest savings and financial goals.

[1837] Output: The proposed goal is presented on the terminal.

[1838] Step 6:

[1839] Plan presentation

[1840] Input: Goals suggested by the AI ​​model.

[1841] Specific operation: The device presents the proposed goal and its plan to the user and asks for approval.

[1842] Data processing / calculation: After user approval, the server stores the goals and plans in the database.

[1843] Output: The goals and plans approved by the user are reflected in the system.

[1844] Step 7:

[1845] Information sharing

[1846] Input: A user posts information to the community.

[1847] Specific operation: The device sends the post content to the server.

[1848] Data processing / calculation: The server stores the posts in a database and notifies other users.

[1849] Output: Information is shared within the community.

[1850] Step 8:

[1851] Providing educational content

[1852] Input: The user's action to request educational content.

[1853] Specific operation: The device sends a request for content to the server.

[1854] Data processing / calculation: The server selects and distributes appropriate educational content.

[1855] Output: The device displays educational content about financial management and saving methods.

[1856] Step 9:

[1857] Income and expenditure analysis and alert generation

[1858] Input: Real-time income and expenditure data.

[1859] Specific behavior: The server compares the income and expenditure data with the set goals.

[1860] Data processing / calculation: Generate alerts if the server deviates from the target.

[1861] Output: An alert is sent to the device, prompting the user to review their budget.

[1862] Step 10:

[1863] Data Protection

[1864] Input: User's personal and financial data.

[1865] What it does: The server encrypts data and performs multi-factor authentication.

[1866] Data Processing / Calculation: Protect information using data protection technologies (e.g., AWS KMS, Twilio).

[1867] Output: Your information is kept safe.

[1868] 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.

[1869] Summary of the Invention

[1870] This invention relates to a household management system that streamlines users' income and expenditure management and supports goal achievement. The system receives user information, creates accounts, visualizes income and expenditures, sets goals, functions as a community, provides educational content, generates alerts, and manages security. It also incorporates an emotion engine that recognizes users' emotions and suggests appropriate actions based on the user's emotions.

[1871] Explanation of program processing

[1872] User registration and initial settings

[1873] 1. Create a user account:

[1874] A user accesses the system and creates an account by entering their name, email address, and password.

[1875] The device sends this information to the server and requests account creation.

[1876] The server creates a new account in the database based on the information received.

[1877] 2. Initial Setup Information:

[1878] As an initial setup, the user enters income information and monthly fixed expenses (e.g. rent, utility bills, etc.).

[1879] The terminal sends this information to the server, and the initial setting information is stored in a database.

[1880] Visualization of income and expenditure

[1881] 1. Acquiring income and expenditure data:

[1882] Users link their bank accounts and credit cards to the system.

[1883] The server periodically obtains the latest income and expenditure data from the partner and updates the database.

[1884] 2. View your balance data:

[1885] The device displays income and expenditure information to the user in graphs and charts, providing a visual overview of income and expenditure.

[1886] Goal setting and plan proposal

[1887] 1. Goal Setting:

[1888] AI on the server analyzes income and expenditure data and sets savings and financial goals for users.

[1889] For example, generate a specific savings plan such as "reduce eating out expenses by 5,000 yen per month."

[1890] 2. Plan presentation:

[1891] The device presents the goals and plan to the user and asks for approval.

[1892] Community Features

[1893] 1. Information sharing:

[1894] Users can use the in-app community feature to share savings information and experiences with other users.

[1895] The server stores posts and comments in a database and notifies other users.

[1896] Educational content and advice

[1897] 1. Providing educational content:

[1898] The server selects educational articles and video tutorials on finance and delivers them to users at the appropriate time.

[1899] The device displays educational content to the user to help them learn.

[1900] Budget Management and Alerts

[1901] 1. Balance analysis and alert generation:

[1902] The server monitors users' income and expenditure data in real time and generates alerts if the data deviates from the set goals.

[1903] The device will notify the user of the alert and encourage them to review their budget.

[1904] Security Features

[1905] 1. Data Protection:

[1906] The server protects users' personal information through data encryption and multi-factor authentication.

[1907] The device provides users with security settings that they can customize as needed.

[1908] Emotion engine integration

[1909] 1. Emotion recognition:

[1910] While using the app, users input their own emotions through the emotion input interface.

[1911] For example, emotional data is collected using methods such as text input, voice recognition, and facial expression recognition.

[1912] 2. Emotional Data Processing:

[1913] The device sends the emotion data to the server, which stores it in a database.

[1914] The server analyzes the emotional data and identifies the user's emotional state.

[1915] 3. Emotion-based feedback:

[1916] The server takes into account the user's emotions and generates specific actions and content (e.g., relaxation music, encouraging messages) aimed at reducing stress and increasing motivation.

[1917] The device presents the generated actions and content to the user.

[1918] Specific examples

[1919] Example 1: User A's household finances and the use of emotion engines

[1920] 1. User A installs the app and creates an account by entering their name, email address, and password.

[1921] The device sends this information to the server and the account is registered in the database.

[1922] 2. As an initial setup, Mr. A enters his monthly income and major expenditure items (rent, utilities, etc.).

[1923] The device sends this information to the server, where it is stored in a database.

[1924] 3. Person A links their bank account and credit card to the app.

[1925] The server periodically retrieves the latest income and expenditure data and updates the database.

[1926] 4. The AI ​​analyzes Mr. A's income and expenditure data, sets a goal of "saving 3,000 yen per month on eating out," and presents a specific plan.

[1927] The device notifies Person A of the goal and plan, and Person A approves.

[1928] 5. Mr. A uses the community function to share tips for saving on food costs with other users and exchange information.

[1929] The server stores the post and notifies other users.

[1930] 6. The progress of income and expenditure is displayed in real time, and if there is any deviation from the target, an alert will be sent to Mr. A's device.

[1931] This allows Mr. A to immediately review his spending.

[1932] 7. When A feels stressed, he / she inputs emotional data.

[1933] For example, type "I'm feeling stressed today."

[1934] The device sends the emotion data to the server, which stores it in a database.

[1935] 8. The AI ​​analyzes Mr. A's emotional state and generates appropriate feedback, such as "relaxation music" and "encouraging messages."

[1936] The device will then provide generated feedback to Person A, helping to reduce stress.

[1937] In this way, this system provides comprehensive support to help users manage their household finances comfortably and efficiently, and by combining the functions of the emotion engine, it achieves an approach that takes into account the user's psychological state.

[1938] The processing flow will be explained below.

[1939] User registration and initial settings

[1940] Step 1:

[1941] The user enters their name, email address, and password on the "Create Account" screen and presses the submit button.

[1942] Step 2:

[1943] The terminal transmits the input information to the server.

[1944] Step 3:

[1945] The server creates a new account in the database based on the information received.

[1946] Step 4:

[1947] The server returns a success message to the terminal.

[1948] Step 5:

[1949] The device will display a success message to the user and then transition to the initial setup screen.

[1950] Step 6:

[1951] The user enters income information and monthly fixed expenses (e.g. rent, utilities, etc.) and presses the submit button.

[1952] Step 7:

[1953] The terminal transmits the input information to the server.

[1954] Step 8:

[1955] The server stores the received initial configuration information in a database.

[1956] Visualization of income and expenditure

[1957] Step 9:

[1958] Users link their bank account and credit card information from the settings screen within the app.

[1959] Step 10:

[1960] The device sends the link information to the server, and the server obtains income and expenditure data from banks and credit card companies via API.

[1961] Step 11:

[1962] The server stores the acquired income and expenditure data in a database and updates it periodically.

[1963] Step 12:

[1964] The device displays the income and expenditure data to the user in graphs and charts, providing a visual overview of the income and expenditure.

[1965] Goal setting and plan proposal

[1966] Step 13:

[1967] AI on the server analyzes income and expenditure data and sets savings and financial goals for users.

[1968] Step 14:

[1969] The server sends the set goals and achievement plan (e.g., "reduce eating out expenses by 5,000 yen per month") to the terminal.

[1970] Step 15:

[1971] The device presents the goals and plan to the user and asks for approval or adjustment.

[1972] Step 16:

[1973] The user reviews the goals and plan and presses a button to approve.

[1974] Step 17:

[1975] The device sends the approval information to the server, which stores the goals and plans in a database.

[1976] Community Features

[1977] Step 18:

[1978] Users access the community screen and post and comment on savings.

[1979] Step 19:

[1980] The device sends posts and comments to a server, which stores this information in a database.

[1981] Step 20:

[1982] The server notifies other users of new posts, encouraging information sharing.

[1983] Educational content and advice

[1984] Step 21:

[1985] The server selects appropriate financial education content based on user behavioral data.

[1986] Step 22:

[1987] The device delivers selected educational content (e.g., videos, articles) to the user.

[1988] Step 23:

[1989] Users can watch and learn educational content to improve their knowledge.

[1990] Budget Management and Alerts

[1991] Step 24:

[1992] The server analyzes the user's income and expenditure data in real time and generates alerts if the target is deviated from.

[1993] Step 25:

[1994] The device pushes the generated alert to the user.

[1995] Step 26:

[1996] Users check the alerts and review their income and expenses and budgets.

[1997] Security Features

[1998] Step 27:

[1999] The server encrypts users' personal and financial data to keep it safe within the database.

[2000] Step 28:

[2001] The device provides users with security settings that they can customize as needed.

[2002] Step 29:

[2003] The user reviews the security settings and makes any necessary changes.

[2004] Emotion engine integration

[2005] Step 30:

[2006] While using the app, users input their own emotions through the emotion input interface.

[2007] For example, emotional data is collected using methods such as text input, voice recognition, and facial expression recognition.

[2008] Step 31:

[2009] The device sends the emotion data to the server, which stores it in a database.

[2010] Step 32:

[2011] The server analyzes the emotional data and identifies the user's emotional state.

[2012] Step 33:

[2013] The server takes into account the user's emotions and generates specific actions and content (e.g., relaxation music, encouraging messages) aimed at reducing stress and increasing motivation.

[2014] Step 34:

[2015] The device presents the generated actions and content to the user.

[2016] Specific examples

[2017] Step 1:

[2018] User A installs the app and creates an account by entering their name, email address, and password.

[2019] The device sends this information to the server and the account is registered in the database.

[2020] Step 2:

[2021] As an initial setting, Mr. A enters his monthly income and major expenditure items (rent, utilities, etc.).

[2022] The device sends this information to the server, where it is stored in a database.

[2023] Step 3:

[2024] Person A links his bank account and credit card to the app.

[2025] The server periodically retrieves the latest income and expenditure data and updates the database.

[2026] Step 4:

[2027] The AI ​​analyzes Mr. A's income and expenditure data, sets a goal of "saving 3,000 yen per month on eating out," and presents a specific plan.

[2028] The device notifies Person A of the goal and plan, and Person A approves.

[2029] Step 5:

[2030] Mr. A uses the community function to share "tips for saving on food costs" with other users and exchange information.

[2031] The server stores the post and notifies other users.

[2032] Step 6:

[2033] The progress of income and expenditure is displayed in real time, and if there is any deviation from the target, an alert will be sent to Mr. A's device.

[2034] This allows Mr. A to immediately review his spending.

[2035] Step 7:

[2036] When person A feels stressed, he / she enters emotional data.

[2037] For example, type "I'm feeling stressed today."

[2038] The device sends the emotion data to the server, which stores it in a database.

[2039] Step 8:

[2040] The AI ​​analyzes Mr. A's emotional state and generates appropriate feedback in the form of "relaxation music" and "encouraging messages."

[2041] The device will then provide generated feedback to Person A, helping to reduce stress.

[2042] Through these specific processing steps, the system can provide comprehensive support for users to manage their household finances comfortably and efficiently. By integrating an emotion engine, an approach that takes into account the user's psychological state can be realized.

[2043] Example 2

[2044] 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."

[2045] Conventional household management systems require manual operations to record income and expenditures and set goals, which often creates a burden for users. Furthermore, they are limited to visualizing income and expenditure data and supporting goal achievement, and lack feedback that takes into account the user's psychological state and emotions. Furthermore, they often lack sufficient functionality to promote communication between users and high security features. These issues need to be resolved.

[2046] The specific processing by the specific processing unit 290 of the data processing device 12 in Example 2 is realized by the following means. In this invention, the server includes means for receiving user information and creating a user account, means for the user to input income and fixed expenditure information during initial setup, means for saving the initial setup information and the user's income and expenditure information in a database, means for automatically acquiring the user's income and expenditure information and analyzing and visualizing the results, means for setting savings and financial goals based on the user's income and expenditure data and proposing plans to achieve those goals, means for providing a community function that allows users to share information about savings and expenditures, means for providing financial educational content and expert advice, means for monitoring the user's income and expenditure and goal achievement status and generating alerts if the user deviates from the goals, means for recognizing the user's emotional data and providing appropriate feedback based on the data, and means for implementing high security functions to protect the user's confidentiality. This allows the user to manage their household finances efficiently and comfortably and also provides emotional support.

[2047] "User" refers to an individual who uses this system to manage their household finances.

[2048] "Account Creation Means" refers to the function that receives basic user information and creates an individual account on the system.

[2049] "Initial setting means" refers to a function that allows users to input income information and fixed expenditure information and perform initial settings for system use.

[2050] "Income and Expenditure Information" means data regarding a User's income and expenses.

[2051] "Means for acquiring income and expenditure information" refers to a function for automatically acquiring income and expenditure data from a user's bank account or credit card.

[2052] "Database" refers to a data storage area for storing users' income and expenditure information and initial setting information.

[2053] "Analysis means" refers to the function for analyzing the acquired income and expenditure data and providing useful information to the user.

[2054] "Visualization means" refers to a function that displays income and expenditure data in a graphical format so that users can easily understand it.

[2055] "Goal setting means" refers to a function for setting savings and financial goals based on the user's income and expenditure data.

[2056] The "means for proposing an achievement plan" refers to a function for proposing a specific plan for achieving a set goal.

[2057] "Community function" refers to a means for users to share information about savings and spending.

[2058] "Educational Content" refers to articles and video tutorials designed to improve financial knowledge and skills.

[2059] "Advice means" refers to a function for providing professional advice to users.

[2060] "Alert generation means" refers to a function for monitoring a user's income and expenditure and goal achievement status, and issuing a warning if the user deviates from the goal.

[2061] "Emotional data" refers to data relating to a user's psychological state and emotions.

[2062] "Emotion recognition means" refers to a function for collecting user emotion data and recognizing the user emotion based on that data.

[2063] "Feedback means" refers to a function for providing appropriate feedback to the user based on the recognized emotion data.

[2064] "Security features" refer to features for protecting users' personal information and data.

[2065] Detailed Description of the Invention

[2066] This invention relates to a household management system that efficiently supports users in managing their income and expenses and achieving their goals. The system receives user information, creates an account, automatically acquires and analyzes income and expense information, and visualizes it. It also has functions for setting savings and financial goals based on income and expense data and proposing plans to achieve them. It also features a community function that allows users to share information, a function that provides financial educational content and expert advice, a function that monitors income and expense and goal achievement in real time and generates alerts, and high security functions. It also integrates an emotion engine that recognizes users' emotional data and provides feedback.

[2067] Specific implementation methods and hardware / software used

[2068] Hardware Configuration

[2069] This household management system is implemented mainly using the following hardware:

[2070] Server: Stores, analyzes, notifies, and generates feedback on income and expenditure data.

[2071] Terminal: The device used by the user (smartphone, tablet, PC, etc.) where data is entered and information is displayed.

[2072] Software Configuration

[2073] The system is implemented using the following software:

[2074] Database Management System (DBMS): A database for storing financial data, account information, and initial configuration information.

[2075] API: An interface for obtaining external data, such as bank account or credit card information.

[2076] Generative AI model: The AI ​​model that helps analyze the balance data and power the sentiment engine.

[2077] Below, the operation of the system will be explained using specific examples of each.

[2078] Specific examples

[2079] Example 1: User A's household finances and the use of emotion engines

[2080] 1. Create an account:

[2081] User A installs the app and creates an account by entering their name, email address, and password.

[2082] The terminal sends this information to the server, which registers the new account in its database.

[2083] 2. Initial Setup:

[2084] Person A enters his / her monthly income and major expenditure items (rent, utilities, etc.) on the initial setup screen.

[2085] The device sends this data to the server, which stores it in a database.

[2086] 3. Acquiring income and expenditure data:

[2087] Person A links his bank account and credit card to the app.

[2088] The server periodically retrieves the latest income and expenditure data and updates the database.

[2089] 4. Goal setting and plan proposal:

[2090] The AI ​​analyzes Mr. A's income and expenditure data, sets a goal of "saving 3,000 yen per month on eating out," and presents a specific plan.

[2091] The device notifies Person A of the goal and plan, and Person A approves.

[2092] 5. Use of Community Features:

[2093] Person A uses the community function to share "tips for saving on food costs" with other users and exchange information.

[2094] The server stores the posted content and notifies other users.

[2095] 6. Generate alerts:

[2096] The server monitors income and expenditure data in real time and generates alerts if the target is deviated.

[2097] The device will send an alert to Person A, who can then immediately review his or her spending.

[2098] 7. Emotional Input and Feedback:

[2099] When person A feels stressed, he / she inputs emotional data such as "I'm feeling very stressed today."

[2100] The device sends this data to the server, which stores it in a database.

[2101] The AI ​​analyzes Mr. A's emotional state and generates "relaxation music" and "encouraging messages."

[2102] The device displays the generated feedback to Person A, helping to reduce stress.

[2103] Prompt Sentence Examples

[2104] "Please tell me some specific ways to cut down on my monthly eating out expenses."

[2105] "Please create a budget plan for May based on the income and expenditure data."

[2106] "Recommend relaxation music to help reduce stress."

[2107] This allows users to manage their finances effectively and comfortably, while also ensuring they receive emotional support.

[2108] The flow of the identification process in the second embodiment will be described with reference to FIG.

[2109] Step 1: Create a user account

[2110] Input: The user enters their name, email address, and password.

[2111] Operation:

[2112] 1. The user accesses the application and enters the required information on the account creation screen.

[2113] 2. The terminal sends the entered data to the server.

[2114] 3. The server validates the received information and checks for duplicate accounts.

[2115] 4. The server saves the validated information to the database and creates the new account.

[2116] Output: The server sends a successful account creation message to the device to notify the user.

[2117] Step 2: Enter the initial configuration information

[2118] Input: The user enters fixed expenditure information such as monthly income, rent, and utilities.

[2119] Operation:

[2120] 1. The user accesses the app's initial setup screen and enters their income and fixed expense information.

[2121] 2. The device sends the input data to the server.

[2122] 3. The server stores the received initial configuration information in a database.

[2123] Output: The server sends an initialization completion message to the terminal and notifies the user.

[2124] Step 3: Obtaining income and expenditure data

[2125] Input: User links bank account or credit card.

[2126] Operation:

[2127] 1. The user enters their bank account and credit card information on the settings screen.

[2128] 2. The device sends the link information to the server.

[2129] 3. The server periodically retrieves income and expenditure data from banks and credit card services using APIs.

[2130] 4. Save the acquired income and expenditure data in the database.

[2131] Output: The server sends a message to the terminal indicating that the latest balance data has been acquired.

[2132] Step 4: View your income and expenditure data

[2133] Input: The user opens the balance confirmation screen.

[2134] Operation:

[2135] 1. The user accesses the application's balance confirmation screen.

[2136] 2. The terminal sends a request to the server to obtain income and expenditure data.

[2137] 3. The server retrieves the latest balance data from the database and sends it to the terminal.

[2138] 4. The device will display your income and expenditure data in graphs and charts.

[2139] Output: The user gets visualized balance information.

[2140] Step 5: Set goals and propose a plan

[2141] Input: User's income and expenditure data.

[2142] Operation:

[2143] 1. The generative AI model on the server analyzes the user's income and expenditure data.

[2144] 2. The AI ​​sets a savings goal (e.g., "reduce eating out expenses by 5,000 yen per month") and generates a specific plan.

[2145] 3. The server sends the goal and plan to the device.

[2146] 4. The device presents the user with the goal and plan and asks for their approval.

[2147] 5. The user approves or modifies the data, and the device sends the data to the server.

[2148] Output: The user is presented with the approved savings goal and plan.

[2149] Step 6: Use community features

[2150] Input: User posts, comments.

[2151] Operation:

[2152] 1. A user posts using the community function.

[2153] 2. The device sends the posting data to the server.

[2154] 3. The server saves the posted data in a database and notifies other users.

[2155] 4. Other users comment or react, and the device sends that data to the server.

[2156] Output: Information and comments shared within the community are updated as they happen.

[2157] Step 7: Analysis of income and expenditures and generation of alerts

[2158] Input: User's income and expenditure data.

[2159] Operation:

[2160] 1. The server monitors the user's income and expenditure data in real time.

[2161] 2. Generate an alert if the server deviates from the target.

[2162] 3. The server sends the alert content to the device.

[2163] 4. The device notifies the user of the alert.

[2164] 5. The user checks the alert and reviews their spending as needed.

[2165] Output: Alert notifications are sent to users to facilitate improved budget management.

[2166] Step 8: Input and analyze emotion data

[2167] Input: User emotion data (e.g. text, voice, facial expressions).

[2168] Operation:

[2169] 1. The user inputs their own emotions through the emotion input interface.

[2170] 2. The device sends the emotion data to the server.

[2171] 3. The server stores the received emotion data in a database.

[2172] 4. The server analyzes the emotional data and identifies the user's emotional state.

[2173] 5. The server generates the feedback content and sends it to the device.

[2174] Output: The user is given appropriate feedback (e.g., relaxing music, encouraging messages).

[2175] (Application example 2)

[2176] 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."

[2177] When it comes to managing their household finances, users often find it difficult to efficiently grasp income and expenditures and set goals, with emotional factors in particular often hindering spending management. There is also a demand for visualization of income and expenditure data, provision of specific plans for achieving goals, and information sharing and professional financial advice through communities. Furthermore, a lack of psychological support for users often leads to stress and a decline in motivation, which negatively impacts their ability to continue managing their household finances. To solve these issues, it is necessary to provide support functions that utilize emotional data in addition to advanced income and expenditure management functions.

[2178] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for receiving user information and creating a user account, means for automatically acquiring the user's income and expenditure information and analyzing and visualizing the results, means for setting savings and financial goals based on the user's income and expenditure data and proposing a plan to achieve those goals, means for providing a community function that allows users to share information about savings and expenditures, means for providing financial educational content and expert advice, means for monitoring the user's income and expenditure and goal achievement status and generating an alert if the user deviates from the goal, means for implementing high security functions to protect the user's confidentiality, and means for acquiring and analyzing the user's emotional data and proposing appropriate actions based on the data. This allows the user to efficiently manage their household finances and continue to take appropriate actions toward achieving their goals while receiving emotional support.

[2179] "User information" refers to basic personal data (such as name, email address, and password) required for account creation and household management.

[2180] A "user account" is a dedicated identifier for managing a user's personal information and data related to household management.

[2181] "Income and expenditure information" refers to data on the user's income and expenditure, and is the basis for household management.

[2182] "Savings and financial goals" are specific numerical targets for savings and asset formation set by users.

[2183] An "achievement plan" is a plan that shows specific means and steps to achieve a set goal.

[2184] "Community Function" means an online interaction function that allows users to share information and experiences with other users.

[2185] "Educational content" refers to media content such as educational materials and videos related to financial literacy and household management.

[2186] "Professional advice" means appropriate advice or guidelines from a financial professional.

[2187] An "alert" is a warning message that notifies the user when deviations from a set goal occur.

[2188] "High security features" are functions that protect the confidentiality of user information using methods such as data encryption and multi-factor authentication.

[2189] "Emotional data" is data that expresses a user's psychological state or emotions using numbers, text, voice, etc.

[2190] "Appropriate actions" are specific advice or measures (such as relaxing music or encouraging messages) provided in response to the user's emotions and behavior.

[2191] This invention relates to a household management system for electronic payment services that improves the efficiency of users' income and expenditure management and helps them achieve their goals. This system has the following functions and means.

[2192] 1. Create a user account

[2193] A user downloads an electronic payment app and creates an account by entering their name, email address, and password. This information is sent to a server, which then creates an account in the database.

[2194] 2. Enter the initial setup information

[2195] The user enters their income information and monthly fixed expenses (rent, utility bills, etc.) as the initial setting. This information is sent from the device to the server and stored in a database.

[2196] 3. Acquisition and visualization of income and expenditure data

[2197] Users link their bank accounts and credit cards to the system. The server periodically retrieves the latest income and expenditure data from the linked accounts and updates the database.

[2198] The device displays income and expenditure information to the user in graphs and charts, providing a visual overview of income and expenditure.

[2199] 4. Goal setting and plan proposal

[2200] The AI ​​on the server analyzes the income and expenditure data, sets the user's savings and financial goals, and generates a specific plan, such as "reducing eating out expenses by 3,000 yen per month."

[2201] The terminal presents the goal and plan to the user and asks for approval.

[2202] 5. Community Features

[2203] Users can use the community function within the app to share their savings information and experiences with other users. The server stores posts and comments in a database and notifies other users.

[2204] 6. Educational content and expert advice

[2205] The server selects educational articles and video tutorials on finance and delivers them to users at the appropriate time. The terminal displays these articles and helps users learn.

[2206] 7. Alert Generation

[2207] The server monitors the user's income and expenditure data in real time and generates an alert if the user deviates from the set goal. The device notifies the user of the alert and prompts them to review their budget.

[2208] 8. High security features

[2209] The server protects users' personal information through data encryption and multi-factor authentication, while the device provides users with security settings that can be customized as needed.

[2210] 9. Emotion Engine Integration

[2211] While using the app, users input their emotions through an emotion input interface (collected through methods such as text input, voice recognition, and facial expression recognition).

[2212] The device sends the emotion data to the server, which stores it in a database.

[2213] The server analyzes the emotional data to determine the user's emotional state.

[2214] The server takes into account the user's emotions and generates specific actions and content (e.g., relaxation music, encouraging messages) aimed at reducing stress and increasing motivation.

[2215] The terminal presents the generated actions and content to the user.

[2216] Specific system implementation example

[2217] 1. Acquisition and visualization of income and expenditure data

[2218] Use APIs to retrieve bank account and credit card data, and use libraries such as Matplotlib to generate and display graphs.

[2219] 2. Emotion engine integration

[2220] The server uses an emotion recognition API to analyze the emotional data entered by the user and take appropriate action (such as playing relaxing music or sending an encouraging message).

[2221] Prompt Sentence Examples

[2222] Users interact with the app by entering prompts like:

[2223] "Open the app to get your latest income and expenditure data and view it in a graph. It also helps you set goals, recognizes emotions, and suggests appropriate actions."

[2224] This allows users to understand their income and expenditure situation and receive emotional support all in one place, allowing them to maintain motivation to achieve their goals.

[2225] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[2226] Step 1:

[2227] A user downloads the app and creates an account by entering their name, email address, and password. The information is sent by the device to a server, which stores it in a database and creates a new account. This process provides the user with the foundation for using the home finance management system.

[2228] Step 2:

[2229] The user enters their income information and monthly fixed expenses (rent, utilities, etc.) as the initial setup. This information is sent by the device to the server, which stores it in a database. This prepares the user for income and expenditure management and provides the system with basic data to set appropriate goals.

[2230] Step 3:

[2231] The user links their bank account or credit card to the system. The device collects the linking information through an input form and sends it to the server. The server periodically retrieves the latest balance data using the Google Cloud API and updates the database. Through this process, the user's balance data is automatically collected and updated.

[2232] Step 4:

[2233] The AI ​​on the server analyzes the user's income and expenditure data using machine learning algorithms to set saving and financial goals for the user. For example, it generates a specific goal such as "reducing monthly dining out expenses by 3,000 yen" based on the user's past spending patterns. This goal is sent to the device and displayed to the user.

[2234] Step 5:

[2235] The user confirms and approves the goals and plans generated by the server through the device. The device then sends the user's approval to the server, which stores it in the database. This process officially sets the goals, and the system is ready to support their achievement.

[2236] Step 6:

[2237] The server monitors the user's income and expenditure data in real time and generates an alert if the user deviates from the set goal. For example, if the user exceeds the target dining out expense, the system immediately sends an alert and notifies the terminal. This process allows the user to immediately review their spending.

[2238] Step 7:

[2239] Users can use the community function to share their savings information and experiences with other users. The device sends posts and comments to the server, which stores them in a database and notifies other users. This function allows users to support each other through information sharing.

[2240] Step 8:

[2241] The server delivers financial educational content and expert advice to users at the appropriate time, and the content is displayed to the user through the device. For example, the user can watch a video tutorial to learn new ways to save money.

[2242] Step 9:

[2243] The user inputs their emotions through the emotion input interface. The device collects the emotion data and sends it to the server. The server uses an emotion recognition API to identify the user's emotional state and determine appropriate actions based on it. For example, if the user inputs "I'm stressed today," the system will suggest playing relaxation music.

[2244] Step 10:

[2245] The device presents the generated actions and content (relaxation music and encouraging messages) to the user, allowing the user to continue managing their household finances while receiving psychological support.

[2246] This allows users to efficiently manage their household finances and continue to take appropriate actions to achieve their goals while receiving emotional support.

[2247] Example prompt sentence:

[2248] "Open the app to get your latest income and expenditure data and view it in a graph. It also helps you set goals, recognizes emotions, and suggests appropriate actions."

[2249] 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.

[2250] 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.

[2251] 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.

[2252] [Fourth embodiment]

[2253] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[2254] 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.

[2255] 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).

[2256] 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.

[2257] 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.

[2258] 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).

[2259] 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.

[2260] 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.

[2261] 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.

[2262] 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.

[2263] 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.

[2264] 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.

[2265] 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."

[2266] This invention relates to a household management system that improves the efficiency of users' income and expenditure management and supports goal achievement. The system includes multiple means for receiving user information and realizing account creation, income and expenditure visualization, goal setting, community functions, provision of educational content, alert generation, and security management.

[2267] Explanation of program processing

[2268] User registration and initial settings

[2269] 1. Create a user account:

[2270] A user accesses the system and creates an account by entering their name, email address, and password.

[2271] The device sends this information to the server and requests account creation.

[2272] The server registers the new account in the database based on the received information.

[2273] 2. Initial Setup Information:

[2274] As an initial setup, the user enters income information and monthly fixed expenses (e.g. rent, utility bills, etc.).

[2275] The terminal sends this information to the server, and the initial setting information is stored in a database.

[2276] Visualization of income and expenditure

[2277] 1. Acquiring income and expenditure data:

[2278] Users link their bank accounts and credit cards to the system.

[2279] The server periodically obtains the latest income and expenditure data from the partner and updates the database.

[2280] 2. View your balance data:

[2281] The device displays income and expenditure information in graphs and charts, allowing users to easily understand the current situation.

[2282] Goal setting and plan proposal

[2283] 1. Goal Setting:

[2284] AI running on the server analyzes users' income and expenditure data and sets appropriate savings and financial goals.

[2285] For example, generate a specific savings plan such as "reduce eating out expenses by 5,000 yen per month."

[2286] 2. Plan presentation:

[2287] The device presents the goals and plan to the user and asks for approval.

[2288] Community Features

[2289] 1. Information sharing:

[2290] Users can use the in-app community feature to share savings information and experiences with other users.

[2291] The server stores posts and comments in a database and notifies other users.

[2292] Educational content and advice

[2293] 1. Providing educational content:

[2294] The server selects educational articles and video tutorials on finance and delivers them to users at the appropriate time.

[2295] The device displays educational content to the user to help them learn.

[2296] Budget Management and Alerts

[2297] 1. Balance analysis and alert generation:

[2298] The server monitors users' income and expenditure data in real time and generates alerts if the data deviates from the set goals.

[2299] The device will notify the user of the alert and encourage them to review their budget.

[2300] Security Features

[2301] 1. Data Protection:

[2302] The server protects users' personal information through data encryption and multi-factor authentication.

[2303] The device provides users with security settings that they can customize as needed.

[2304] Specific examples

[2305] Example 1: User A's household finances

[2306] 1. User A installs the app and creates an account by entering their name, email address, and password.

[2307] The device sends this information to the server and the account is registered in the database.

[2308] 2. As an initial setup, Mr. A enters his monthly income and major expenditure items (rent, utilities, etc.).

[2309] The device sends this information to the server, where it is stored in a database.

[2310] 3. Person A links their bank account and credit card to the app.

[2311] The server periodically retrieves the latest income and expenditure data and updates the database.

[2312] 4. The AI ​​analyzes Mr. A's income and expenditure data, sets a goal of "saving 3,000 yen per month on eating out," and presents a specific plan.

[2313] The device notifies Person A of the goal and plan, and Person A approves.

[2314] 5. Mr. A uses the community function to share tips for saving on food costs with other users and exchange information.

[2315] The server stores the post and notifies other users.

[2316] 6. The progress of income and expenditure is displayed in real time, and if there is any deviation from the target, an alert will be sent to Mr. A's device.

[2317] This allows Mr. A to immediately review his spending.

[2318] 7. The security features protect Mr. A's personal information and financial data, allowing him to use the app with peace of mind.

[2319] In this way, this system provides comprehensive support for users to manage their household finances comfortably and efficiently.

[2320] The processing flow will be explained below.

[2321] Program processing details

[2322] User registration and initial settings

[2323] Step 1:

[2324] The user enters their name, email address, and password on the "Create Account" screen and presses the submit button.

[2325] Step 2:

[2326] The terminal transmits the input information to the server.

[2327] Step 3:

[2328] The server creates a new account in the database based on the information received.

[2329] Step 4:

[2330] The server returns a success message to the terminal.

[2331] Step 5:

[2332] The device will display a success message to the user and then transition to the initial setup screen.

[2333] Step 6:

[2334] The user enters income information and monthly fixed expenses (e.g. rent, utilities, etc.) and presses the submit button.

[2335] Step 7:

[2336] The terminal transmits the input information to the server.

[2337] Step 8:

[2338] The server stores the received initial configuration information in a database.

[2339] Visualization of income and expenditure

[2340] Step 9:

[2341] Users link their bank account and credit card information from the settings screen within the app.

[2342] Step 10:

[2343] The device sends the link information to the server, and the server obtains income and expenditure data from banks and credit card companies via API.

[2344] Step 11:

[2345] The server stores the acquired income and expenditure data in a database and updates it periodically.

[2346] Step 12:

[2347] The device displays the income and expenditure data to the user in graphs and charts, providing a visual overview of the income and expenditure.

[2348] Goal setting and plan proposal

[2349] Step 13:

[2350] AI on the server analyzes income and expenditure data and sets savings and financial goals for users.

[2351] Step 14:

[2352] The server sends the set goals and achievement plan (e.g., "reduce eating out expenses by 5,000 yen per month") to the terminal.

[2353] Step 15:

[2354] The device will notify the user of their goals and plans and ask for approval or adjustment.

[2355] Step 16:

[2356] The user reviews the goals and plan and presses a button to approve.

[2357] Step 17:

[2358] The device sends the approval information to the server, which stores the goals and plans in a database.

[2359] Community Features

[2360] Step 18:

[2361] Users access the community screen and post and comment on savings.

[2362] Step 19:

[2363] The device sends posts and comments to a server, which stores this information in a database.

[2364] Step 20:

[2365] The server notifies other users of new posts, encouraging information sharing.

[2366] Educational content and advice

[2367] Step 21:

[2368] The server selects appropriate financial education content based on user behavioral data.

[2369] Step 22:

[2370] The device delivers selected educational content (e.g., videos, articles) to the user.

[2371] Step 23:

[2372] Users can watch and learn educational content to improve their knowledge.

[2373] Budget Management and Alerts

[2374] Step 24:

[2375] The server analyzes the user's income and expenditure data in real time and generates alerts if the target is deviated from.

[2376] Step 25:

[2377] The device pushes the generated alert to the user.

[2378] Step 26:

[2379] Users check the alerts and review their income and expenses and budgets.

[2380] Security Features

[2381] Step 27:

[2382] The server encrypts users' personal and financial data to keep it safe within the database.

[2383] Step 28:

[2384] The device provides users with security settings that they can customize as needed.

[2385] Step 29:

[2386] The user reviews the security settings and makes any necessary changes.

[2387] Through these specific processing steps, the present system can provide comprehensive support to help users manage their household finances comfortably and efficiently.

[2388] Example 1

[2389] 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."

[2390] Today's users spend a lot of time and effort managing their income and expenses, making it difficult to manage their household finances efficiently and achieve their goals. Other issues include a lack of forums for users to share information, a lack of real-time monitoring of income and expense data, and a lack of appropriate advice for achieving goals. Furthermore, there are cases where users' personal information is not adequately protected, creating a need for a household finance management system that can solve these problems.

[2391] 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.

[2392] In this invention, the server includes: means for receiving user information and creating a user account; means for allowing a user to input income and fixed expenditure information during initial setup and saving the initial setup information in a database; means for linking the user's bank account and payment card information and periodically acquiring income and expenditure data; means for analyzing and visualizing the acquired income and expenditure data; means including a generative AI model for setting savings and financial goals based on the user's income and expenditure data and providing a plan for achieving those goals; means for providing a community function where users can share information about savings and expenditures; means for providing financial educational content and expert advice; means for monitoring the user's income and expenditure and goal achievement status in real time and generating an alert if the goal is deviated from; and means for implementing high security functions to protect the user's confidentiality. This allows users to efficiently manage their income and expenditures, support goal achievement, and safely use the system while protecting their personal information.

[2393] "User Account" means a set of personal identification information created for a User to use the System.

[2394] "Initial setting information" refers to basic financial information such as income and fixed expenses, which is entered by the user when they start using the system.

[2395] A "bank account" is an account at a financial institution that manages information about a user's deposits and transactions.

[2396] "Payment Card Information" means information relating to cards used in transactions, such as credit cards or debit cards.

[2397] "Income and Expenditure Data" refers to detailed information about your income and expenses, which indicates your financial situation.

[2398] A "generative AI model" is a model that uses artificial intelligence technology to analyze income and expenditure data and set appropriate savings and financial goals.

[2399] The "community function" allows users to share information about savings and spending and exchange opinions.

[2400] "Educational content" refers to educational materials, such as financial articles and video tutorials, that are designed to improve users' financial literacy.

[2401] An "alert" is a warning message that notifies the user when a deviation from the target occurs.

[2402] "Security features" are features for protecting users' personal information and financial data, including data encryption and two-factor authentication.

[2403] This invention relates to a household management system that improves the efficiency of users' income and expenditure management and supports goal achievement. The system receives user information and includes multiple means for realizing account creation, income and expenditure visualization, goal setting, community functions, educational content provision, alert generation, and security management.

[2404] Creating and initializing a user account

[2405] Users access the system using a device such as a smartphone or PC and create an account by entering their name, email address, and password. The device encrypts this information and sends it to the server, which then registers the new account in the database based on the received information. Next, the user enters their monthly income information and fixed expenses (rent, utility bills, etc.), and the device sends this information to the server, which saves the initial setup information in the database.

[2406] Visualization of income and expenditure

[2407] Users connect their bank account and payment card information to the system, and the server periodically calls the API of the connected device to obtain the latest balance data. The server then stores the obtained balance data in a database, and the device displays the balance information in graphs and charts, allowing users to easily understand the current situation.

[2408] Goal setting and plan proposal

[2409] The generative AI model running on the server analyzes the user's income and expenditure data and sets appropriate savings and financial goals. For example, by analyzing past data, it generates a specific savings plan such as "reducing eating out expenses by 5,000 yen per month." The server then sends the generated goal and plan to the device, which notifies the user and asks for their approval.

[2410] Community Features

[2411] Users can use the community page to share their savings information and experiences with other users. The device sends the user's posts to the server, which then stores them in a database and notifies other users.

[2412] Educational content and advice

[2413] The server periodically selects educational articles and video tutorials on finance and dynamically delivers them to users based on their financial situation. The device displays the delivered educational content to users to support their learning.

[2414] Budget Management and Alerts

[2415] The server monitors users' income and expenditure data in real time and generates an alert if the user deviates from the set goal. The device notifies the user of the alert and encourages them to review their budget.

[2416] Security Features

[2417] The server protects the user's personal information using data encryption and two-factor authentication. The device provides the user with security configuration options (e.g., enabling two-factor authentication or changing passwords), and sends the configuration settings to the server for storage.

[2418] Specific examples

[2419] User A's household finances

[2420] Person A installs the app and creates an account by entering their name, email address, and password. Next, Person A enters their monthly income and major expenditure items, which their device sends to the server. Person A then connects their bank account and payment card to the app, and the server periodically retrieves income and expenditure data and updates the database. The generative AI model then analyzes Person A's data and sets a goal, such as "save 3,000 yen per month on food expenses." Person A can use the community function to share their savings information with other users, check their income and expenditure progress in real time, and receive alerts if they deviate from their goal, allowing them to immediately review their spending.

[2421] Example prompt sentence:

[2422] User A:

[2423] Monthly salary: 300,000 yen

[2424] Fixed expenses: Rent 70,000 yen, Utilities 10,000 yen, Communication 5,000 yen

[2425] Variable expenses: Food 30,000 yen, Dining out 15,000 yen, Hobbies 20,000 yen

[2426] Analyze Mr. A's monthly income and expenditure data and propose a specific savings plan. For example, a specific proposal such as "reducing eating out expenses by 3,000 yen per month."

[2427] In this way, the system is designed to enable users to efficiently manage their income and expenditures, support them in achieving their goals, and enable them to use the system safely while protecting their personal information.

[2428] The flow of the identification process in the first embodiment will be described with reference to FIG.

[2429] Step 1:

[2430] Creating a user account

[2431] Input: The user enters their name, email address, and password.

[2432] How it works: A user accesses the system, enters the required information into the form, and then presses the "Register" button. The device encrypts this information and sends it to the server.

[2433] Data processing: The server stores the received information in a database and creates a new account.

[2434] Output: The server sends a message to the device that the account has been created, and the device notifies the user.

[2435] Step 2:

[2436] Entering the Initial Configuration Information

[2437] Input: The user enters monthly income information and fixed expenses (rent, utilities, etc.).

[2438] How it works: The user enters this information into a form within the app and presses the "Save" button. The device then sends this information to the server.

[2439] Data processing: The server stores the received initial setting information in a database.

[2440] Output: The server sends a message to the terminal that initial setup is complete, and the terminal notifies the user.

[2441] Step 3:

[2442] Acquisition and storage of income and expenditure data

[2443] Input: User connects bank account or payment card information.

[2444] How it works: The user connects their bank account and payment card information within the app, and the server periodically calls the connected API.

[2445] Data processing: The server obtains the latest income and expenditure data from the partner and stores it in the database.

[2446] Output: The acquired income and expenditure data is saved in the database.

[2447] Step 4:

[2448] Visualization of income and expenditure data

[2449] Input: The server receives a request to retrieve financial data.

[2450] Operation: The terminal sends a request to the server to display the balance data, and the server retrieves the balance data from the database.

[2451] Data processing: The server generates data that converts the income and expenditure data into graphs and charts.

[2452] Output: The server sends the generated data to the terminal, which generates graphs and charts and displays them to the user.

[2453] Step 5:

[2454] Goal setting and plan presentation

[2455] Input: The server inputs income and expenditure data into the generative AI model.

[2456] How it works: A generative AI model on the server analyzes income and expenditure data and sets appropriate savings and financial goals.

[2457] Data processing: The AI ​​model generates specific savings goals and plans as a result of the analysis.

[2458] Output: The server sends the generated goal and plan to the terminal, which notifies the user and asks for approval.

[2459] Step 6:

[2460] Use of community features

[2461] Input: Users enter comments or posts about savings or expenses.

[2462] How it works: A user accesses a community page, enters information, and presses the submit button. The device then sends the post to the server.

[2463] Data processing: The server saves the posted content in a database and notifies other users.

[2464] Output: Other users' devices display new posts and comments.

[2465] Step 7:

[2466] Educational content distribution

[2467] Input: The server decides when to deliver.

[2468] How it works: A server dynamically selects and delivers educational financial articles and video tutorials.

[2469] Data processing: The server selects and distributes the content according to the user's financial situation.

[2470] Output: The device displays the delivered educational content to the user.

[2471] Step 8:

[2472] Budget management and alert notifications

[2473] Input: The server monitors your balance data in real time.

[2474] Action: Generates an alert if the server deviates from the set goals.

[2475] Data processing: The server detects target deviation events and generates alert messages.

[2476] Output: The server sends an alert to the terminal, which notifies the user.

[2477] Step 9:

[2478] Implementing security features

[2479] Input: User information, income and expenditure data

[2480] How it works: The server implements data encryption and two-factor authentication to protect user data.

[2481] Data processing: The server encrypts the data and adds an authentication process.

[2482] Output: Security-enhanced user data is protected.

[2483] (Application example 1)

[2484] 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."

[2485] In modern society, many users need a way to efficiently manage their income and expenses and achieve their goals. However, traditional methods require users to manually record their income and expenses, making it difficult to obtain the information and advice they need, and raising security concerns. Furthermore, they lack the ability to automatically present specific plans for achieving goals and community features for sharing information with other users. To address these issues, improvements to income and expense management systems are needed.

[2486] 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.

[2487] In this invention, the server includes: means for receiving user information and creating a user account; means for automatically acquiring the user's income and expenditure information and analyzing and visualizing the results; means for setting savings and financial goals based on the user's income and expenditure data and proposing plans to achieve those goals; means for providing a community function that allows users to share information about savings and expenditures; means for providing financial educational content and expert advice; means for monitoring the user's income and expenditure and goal achievement status and generating alerts if the goal is deviated from; means for implementing high security functions to protect the user's confidentiality; means for the user to link with a bank account or electronic money and manage income and expenditure in real time; and means for analyzing the user's spending patterns and automatically proposing financial goals using AI. This enables users to efficiently manage their income and expenditure and share information with peace of mind while being supported in achieving their goals.

[2488] "User" means an individual who uses this system to manage their income and expenses.

[2489] "Account" refers to the authentication information that allows a user to access the system and manage individual information.

[2490] "Income and Expenditure Information" means data regarding a User's income and expenses.

[2491] "Automatically acquired" means that the system collects data without manual intervention.

[2492] "Visualization" refers to the display of data in a visual form such as a graph or chart.

[2493] A "savings goal" is a specific numerical target set by the user for reducing spending.

[2494] "Financial goals" are specific numerical targets set by users for future earnings and asset formation.

[2495] "Achievement Plan" refers to the action plan proposed by the system to achieve the set goal.

[2496] The "community function" is a function that allows users to share information and interact with each other.

[2497] "Educational Content" means educational materials or resources that provide information about financial management and savings methods.

[2498] "Professional advice" means guidance or advice from a person with specialized financial management expertise.

[2499] "Monitoring" means that the system constantly checks users' income and expenditure information and goal achievement status.

[2500] An "alert" is a warning notification sent by the system to the user when deviations from set goals occur.

[2501] "Security Features" refers to the safety measures that the system takes to protect users' personal and financial information.

[2502] "Confidentiality" refers to the protection of user information so that it is not leaked to third parties.

[2503] "Integration" refers to the system connecting with external services such as bank accounts and electronic money and exchanging data.

[2504] "Real-time" refers to data and information that is updated immediately.

[2505] "Spending patterns" refers to data that shows a user's past consumption behavior and tendencies.

[2506] "AI" stands for artificial intelligence, a technology that automatically makes decisions and makes suggestions through machine learning and data analysis.

[2507] In this invention, a system program for improving the efficiency of income and expenditure management and supporting goal achievement is implemented based on the following.

[2508] User registration and initial settings

[2509] 1. Create a user account:

[2510] Users create an account by entering their name, email address, password, etc. from their device (smartphone or tablet).

[2511] The server receives this information and registers the new account in a database (e.g. MongoDB).

[2512] 2. Initial Setup Information:

[2513] The user enters their income and fixed expenditure items (e.g. rent, utility bills) and sends this information to the server.

[2514] The server stores the received information in a database.

[2515] Visualization of income and expenditure

[2516] 1. Acquiring income and expenditure data:

[2517] Users link their bank accounts and credit cards to the system.

[2518] The server periodically obtains the latest income and expenditure data from partners via API and updates the database.

[2519] 2. View your balance data:

[2520] The device displays income and expenditure information in graphs and charts, allowing users to easily understand their current situation.

[2521] Goal setting and plan proposal

[2522] 1. Goal Setting:

[2523] The server analyzes income and expenditure data using an AI model (e.g., TensorFlow) and sets savings and financial goals.

[2524] For example, generate a specific savings plan such as "reducing eating out expenses by 5,000 yen per month."

[2525] 2. Plan presentation:

[2526] The device presents the user with goals and plans and asks for approval.

[2527] Community Features

[2528] 1. Information sharing:

[2529] Users can use the in-app community feature to share savings information and experiences with other users.

[2530] The server stores posts and comments in a database and notifies other users.

[2531] Educational content and advice

[2532] 1. Providing educational content:

[2533] The server selects educational financial articles and video tutorials and delivers them at the appropriate time.

[2534] The device displays educational content to users to help them learn.

[2535] Budget Management and Alerts

[2536] 1. Balance analysis and alert generation:

[2537] The server monitors income and expenditure data in real time and generates alerts if the data deviates from set targets.

[2538] The device will notify the user of the alert and encourage them to review their budget.

[2539] Security Features

[2540] 1. Data Protection:

[2541] The server protects user personal information through data encryption (e.g., AWS KMS) and multi-factor authentication (e.g., Twilio).

[2542] The device provides users with security settings that they can customize as needed.

[2543] Specific examples

[2544] Users set a goal of "keeping food expenses under 10,000 yen this month." Based on this goal, the AI ​​model analyzes past spending data and suggests in real time which items can be reduced. If the user deviates from the goal, the app will send a notification and encourage them to review their budget.

[2545] Prompt Sentence Examples

[2546] Prompt statement:

[2547] "Please explain how the app can set a goal of keeping food expenses under 10,000 yen this month, and then use past spending data to suggest which items can be reduced in real time. Also, explain how the app will notify the user if they deviate from their budget."

[2548] The system is a comprehensive solution that helps users effectively manage their finances and get help in achieving their goals.

[2549] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[2550] Step 1:

[2551] Create a user account

[2552] Input: The user enters their name, email address, and password on their device.

[2553] Specific operation: The terminal sends the entered information to the server.

[2554] Data processing / calculation: The server registers the received information in a database.

[2555] Output: A new user account is created.

[2556] Step 2:

[2557] Entering the Initial Configuration Information

[2558] Input: The user enters their income and fixed expenses (e.g. rent, utility bills) into the terminal.

[2559] Specific operation: The terminal sends the entered income and fixed expenditure information to the server.

[2560] Data processing / calculation: The server stores the initial setting information in a database.

[2561] Output: The user's income and expenditure information is reflected in the system.

[2562] Step 3:

[2563] Acquisition of income and expenditure data

[2564] Input: The user links their bank account or credit card to the system.

[2565] Specific operation: The server periodically obtains the latest income and expenditure data through the partner API.

[2566] Data processing / calculation: The server updates the acquired income and expenditure data in the database.

[2567] Output: The latest balance information is saved in the database.

[2568] Step 4:

[2569] Displaying income and expenditure data

[2570] Input: User action requesting display of income and expenditure data.

[2571] Specific operation: The terminal requests balance information from the server.

[2572] Data processing / calculation: The server retrieves income and expenditure information from the database and converts it into a data format for visualization.

[2573] Output: Graphs and charts of income and expenditures are displayed on the terminal.

[2574] Step 5:

[2575] goal setting

[2576] Input: User's income and expenditure data.

[2577] Specific operation: The server sends the income and expenditure data to an AI model (e.g., TensorFlow).

[2578] Data processing / calculation: AI models analyze income and expenditure data and suggest savings and financial goals.

[2579] Output: The proposed goal is presented on the terminal.

[2580] Step 6:

[2581] Plan presentation

[2582] Input: Goals suggested by the AI ​​model.

[2583] Specific operation: The device presents the proposed goal and its plan to the user and asks for approval.

[2584] Data processing / calculation: After user approval, the server stores the goals and plans in the database.

[2585] Output: The goals and plans approved by the user are reflected in the system.

[2586] Step 7:

[2587] Information sharing

[2588] Input: A user posts information to the community.

[2589] Specific operation: The device sends the post content to the server.

[2590] Data processing / calculation: The server stores the posts in a database and notifies other users.

[2591] Output: Information is shared within the community.

[2592] Step 8:

[2593] Providing educational content

[2594] Input: The user's action to request educational content.

[2595] Specific operation: The device sends a request for content to the server.

[2596] Data processing / calculation: The server selects and distributes appropriate educational content.

[2597] Output: The device displays educational content about financial management and saving methods.

[2598] Step 9:

[2599] Income and expenditure analysis and alert generation

[2600] Input: Real-time income and expenditure data.

[2601] Specific behavior: The server compares the income and expenditure data with the set goals.

[2602] Data processing / calculation: Generate alerts if the server deviates from the target.

[2603] Output: An alert is sent to the device, prompting the user to review their budget.

[2604] Step 10:

[2605] Data Protection

[2606] Input: User's personal and financial data.

[2607] What it does: The server encrypts data and performs multi-factor authentication.

[2608] Data Processing / Calculation: Protect information using data protection technologies (e.g., AWS KMS, Twilio).

[2609] Output: Your information is kept safe.

[2610] 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.

[2611] Summary of the Invention

[2612] This invention relates to a household management system that streamlines users' income and expenditure management and supports goal achievement. The system receives user information, creates accounts, visualizes income and expenditures, sets goals, functions as a community, provides educational content, generates alerts, and manages security. It also incorporates an emotion engine that recognizes users' emotions and suggests appropriate actions based on the user's emotions.

[2613] Explanation of program processing

[2614] User registration and initial settings

[2615] 1. Create a user account:

[2616] A user accesses the system and creates an account by entering their name, email address, and password.

[2617] The device sends this information to the server and requests account creation.

[2618] The server creates a new account in the database based on the information received.

[2619] 2. Initial Setup Information:

[2620] As an initial setup, the user enters income information and monthly fixed expenses (e.g. rent, utility bills, etc.).

[2621] The terminal sends this information to the server, and the initial setting information is stored in a database.

[2622] Visualization of income and expenditure

[2623] 1. Acquiring income and expenditure data:

[2624] Users link their bank accounts and credit cards to the system.

[2625] The server periodically obtains the latest income and expenditure data from the partner and updates the database.

[2626] 2. View your balance data:

[2627] The device displays income and expenditure information to the user in graphs and charts, providing a visual overview of income and expenditure.

[2628] Goal setting and plan proposal

[2629] 1. Goal Setting:

[2630] AI on the server analyzes income and expenditure data and sets savings and financial goals for users.

[2631] For example, generate a specific savings plan such as "reduce eating out expenses by 5,000 yen per month."

[2632] 2. Plan presentation:

[2633] The device presents the goals and plan to the user and asks for approval.

[2634] Community Features

[2635] 1. Information sharing:

[2636] Users can use the in-app community feature to share savings information and experiences with other users.

[2637] The server stores posts and comments in a database and notifies other users.

[2638] Educational content and advice

[2639] 1. Providing educational content:

[2640] The server selects educational articles and video tutorials on finance and delivers them to users at the appropriate time.

[2641] The device displays educational content to the user to help them learn.

[2642] Budget Management and Alerts

[2643] 1. Balance analysis and alert generation:

[2644] The server monitors users' income and expenditure data in real time and generates alerts if the data deviates from the set goals.

[2645] The device will notify the user of the alert and encourage them to review their budget.

[2646] Security Features

[2647] 1. Data Protection:

[2648] The server protects users' personal information through data encryption and multi-factor authentication.

[2649] The device provides users with security settings that they can customize as needed.

[2650] Emotion engine integration

[2651] 1. Emotion recognition:

[2652] While using the app, users input their own emotions through the emotion input interface.

[2653] For example, emotional data is collected using methods such as text input, voice recognition, and facial expression recognition.

[2654] 2. Emotional Data Processing:

[2655] The device sends the emotion data to the server, which stores it in a database.

[2656] The server analyzes the emotional data and identifies the user's emotional state.

[2657] 3. Em...

Claims

1. A means for receiving user information and creating a user account; A means to automatically obtain users' income and expenditure information and analyze and visualize the results; A means for setting savings and financial goals based on the user's income and expenditure data and proposing plans to achieve those goals; A means to provide a community function where users can share information about savings and spending, and a means of providing financial educational content and professional advice; a means for monitoring the user's income and expenditures and progress toward goals, and generating alerts when the user deviates from the goals; Implementing high security features to protect user confidentiality, A system including:

2. a means for a user to initially input income and fixed expense information; 2. The system of claim 1, further comprising means for storing the initialization information in a database.

3. A means of linking the user's bank account and credit card information and periodically obtaining income and expenditure data; The system according to claim 1, further comprising means for updating the user's income and expenditure database based on the link information.

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