system

Abstract

To provide a system for automating effective household budget management and income tax declaration, and for reducing the labor of a user.SOLUTION: A system comprising: means for collecting income, expense and savings data in conjunction with a user's smart device; means for analyzing receipt and invoice images using OCR technology and extracting text data; means for analyzing voice input using voice recognition technology and generating income and expense data; means for capturing account transaction data using a bank API; means for storing and analyzing captured data; means for automatically creating budgets based on user preferences and financial goals; means for generating required tax documents and automating income tax filing; and means for sending notifications to users.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] For individuals and sole proprietors, managing income and expenditures and planning savings for daily life and business activities is a tedious and time-consuming task. Sole proprietors, in particular, are required to frequently manage their income and expenses, and tax processing can be a significant burden. In these circumstances, there is a need for a means to automate effective household management and income tax returns, thereby reducing the burden on users. [Means for solving the problem]

[0005] The present invention provides a means for collecting income, expenditure, and savings data in conjunction with a user's smart device. It also provides a means for analyzing images of receipts and invoices using OCR technology to extract text data, and a means for analyzing voice input using speech recognition technology to generate income and expenditure data. The system also includes a means for acquiring account transaction data using a bank API, a means for storing and analyzing the acquired data, a means for automatically creating a budget based on the user's priorities and financial goals, a means for generating necessary tax documents and automating income tax returns, and a means for sending notifications to the user. This enables effective household management and automated income tax returns, reducing the burden on users.

[0006] "Income" is the total amount of money earned by a user through work, investments, etc.

[0007] "Expenses" is the total amount of money a user spends on purchasing goods and services in their life or business.

[0008] "Savings" refers to the act and amount of money a user puts aside for the future, which is the money remaining after deducting expenses.

[0009] A "receipt" is a document provided as proof of payment or purchase, stating the amount and details of the transaction.

[0010] An "invoice" is a document issued to request payment in a transaction, which states the amount due and the services provided.

[0011] "Image analysis" is the process of extracting useful information from an image and analyzing it.

[0012] "OCR technology" is an abbreviation for optical character recognition technology, which is a technology that recognizes characters from images such as printed materials and converts them into text data.

[0013] "Speech recognition technology" is a technology that converts speech into a digital signal, analyzes its content, and recognizes it as text.

[0014] "Bank API" refers to an application programming interface provided by a bank, which is a means of programmatically accessing bank account information and transaction data.

[0015] "Real-time" refers to data and information being reflected immediately and processed without delay.

[0016] A "database" is a system for systematically organizing data and efficiently managing and searching it.

[0017] A "category" is a division for classifying data based on specific characteristics or criteria.

[0018] "User priorities" are the elements and issues that users particularly value and want to prioritize.

[0019] A "financial goal" is a specific financial goal that a user wants to achieve.

[0020] A "budget" is a plan for predicting and systematically managing income and expenses over a certain period of time.

[0021] "Tax Document" means an official document that contains information required for tax reporting. [Brief explanation of the drawings]

[0022] [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

[0023] 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.

[0024] First, the terms used in the following description will be explained.

[0025] 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).

[0026] 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.

[0027] 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.

[0028] 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.

[0029] 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."

[0030] [First embodiment]

[0031] FIG. 1 shows an example of the configuration of a data processing system 10 according to the first embodiment.

[0032] 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.

[0033] 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).

[0034] 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.

[0035] 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.

[0036] 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.

[0037] 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.

[0038] FIG. 2 shows an example of the main functions of the data processing device 12 and the smart device 14.

[0039] 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.

[0040] 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.

[0041] 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.

[0042] 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."

[0043] MODE FOR CARRYING OUT THE INVENTION

[0044] The present invention is a system that collects and analyzes income, expenditure, and savings data to automatically create budgets and file income tax returns, in order to effectively support household management for individuals and self-employed individuals. This system works in conjunction with the user's smart device and operates through the following steps:

[0045] Data Entry and Collection

[0046] The terminal connects to smart devices (smartphones and smartwatches) and collects data on the user's income, expenses, and savings. For example, by taking a photo of a restaurant receipt, OCR technology is used to extract the text data (restaurant name, date, amount, etc.) from the receipt. Furthermore, when the user verbally commands, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," voice recognition technology is used to convert this into text and generate income and expense data. Furthermore, bank APIs are used to obtain transaction information from the user's bank account in real time, and income and expenditure data is managed centrally.

[0047] Data storage and analysis

[0048] The server stores the collected data in a database. For example, data obtained from OCR, voice recognition, and bank APIs is stored as income and expenditure data and organized for each user. The data is then classified by transaction category (food, housing, transportation, etc.) and monthly and annual expenditure and income patterns are analyzed. This analysis makes it possible to understand the user's spending trends and income fluctuations.

[0049] Budgeting and spending optimization

[0050] The server then automatically creates a budget for the next month based on the analysis results, according to the user's priorities and financial goals. For example, if a user is trying to save money, it can suggest reducing the number of times they eat out. The budget proposal is notified to the user via their device and is finalized after the user's approval.

[0051] Generate required tax documents

[0052] At the end of the fiscal year, the server automatically generates tax documents based on all the acquired and analyzed income and expenditure data. For example, it creates an income tax return based on the latest tax laws, taking into account income, expenses, and deduction information. The created documents are electronically stored in cloud storage and notified to the user. After reviewing the documents, the user can submit the income tax return with one click.

[0053] User Notification and Interaction

[0054] The device periodically notifies the user of income and expenditure status and budget information. For example, at the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. Based on this report, the user can enter new budget settings and financial goals, which the device then sends to the server, updating the budget for the next month.

[0055] The above is a specific embodiment for carrying out the present invention. This system allows users to efficiently and accurately manage their income and expenditures, reducing the burden of filing income tax returns. By using the present invention, the accuracy of household management can be improved, and it is possible to support lifestyle planning with a comfortable lifestyle.

[0056] The processing flow will be explained below.

[0057] Program processing flow

[0058] Data Entry and Collection

[0059] Step 1:

[0060] A user takes a photo of a restaurant receipt with their smartphone.

[0061] The device sends the captured image to an OCR module, which extracts text data (restaurant name, date, price, etc.).

[0062] Step 2:

[0063] The user commands verbally, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[0064] The device uses voice recognition technology to convert speech into text and generate income and expenditure data.

[0065] Step 3:

[0066] The terminal periodically retrieves transaction information from the user's bank account via the bank API.

[0067] The server analyzes the captured transaction information and categorizes the income and expenditure data.

[0068] Step 4:

[0069] The device sends all collected data to a server and stores it.

[0070] Data storage and analysis

[0071] Step 5:

[0072] The server stores the transmitted data in a database.

[0073] The data collected includes details such as date, time, category, and amount.

[0074] Step 6:

[0075] The server categorizes the stored data by category (food, housing, transportation, etc.).

[0076] Step 7:

[0077] The server analyzes the data to understand monthly and yearly spending and income patterns.

[0078] Based on the analysis results, the user's spending trends and income fluctuations are analyzed.

[0079] Budgeting and spending optimization

[0080] Step 8:

[0081] The server uses the analysis to create a budget based on the user's priorities and financial goals.

[0082] For example, if a user is trying to save money, the app will suggest eating out less often.

[0083] Step 9:

[0084] The device will then notify the user of the budget that has been created and confirm the proposal.

[0085] The user accepts the proposal and the budget for the next month is finalized.

[0086] Generate required tax documents

[0087] Step 10:

[0088] At the end of the fiscal year, the server aggregates all income and expenditure data.

[0089] Generate the necessary tax forms based on your income, expenses, and deductions.

[0090] Step 11:

[0091] The server automatically prepares income tax returns based on the latest tax laws.

[0092] Step 12:

[0093] The generated document is saved in cloud storage and a notification is sent to your device.

[0094] Users receive a notification, check their documents, and then file their income tax return with one click.

[0095] User Notification and Interaction

[0096] Step 13:

[0097] At the beginning of each month, the server generates a report based on the previous month's income and expenditure data.

[0098] Step 14:

[0099] The terminal notifies the user of the generated report, which the user then confirms.

[0100] Step 15:

[0101] Users input new budgets and financial goals based on the reports.

[0102] The terminal sends this to the server and updates the budget for the next month.

[0103] These are the specific steps of the program process for the household management assistant app, which allows users to efficiently and accurately manage their income and expenditures and file income tax returns.

[0104] Example 1

[0105] 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."

[0106] The challenge for individuals and self-employed individuals is to efficiently manage income, expenditure, and savings data, and automate budgeting and income tax returns. Traditional methods require manual data entry and classification, which is time-consuming and labor-intensive. Furthermore, errors and data omissions are likely to occur, making accurate household management and tax processing difficult.

[0107] 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.

[0108] In this invention, the server includes means for collecting income, expenditure, and savings data in cooperation with the user's electronic device, means for analyzing images of receipts and invoices using character recognition technology to extract text data, and means for analyzing voice input using voice recognition technology to generate income and expenditure data. This allows individuals and sole proprietors to automatically manage their household finances, prevent input errors and data omissions, and enable accurate budgeting and income tax filing.

[0109] "User" refers to an individual or sole proprietor who uses this system.

[0110] "Electronic device" refers to devices capable of data entry and communication, including smart devices such as smartphones and smartwatches.

[0111] "Income, Expense, and Savings Data" means data about the income earned, expenses incurred, and savings of a User.

[0112] "Character recognition technology" is a technology that extracts character information from image data and converts it into text data.

[0113] "Speech recognition technology" is a technology that converts voice data into text data.

[0114] "Financial Interface" refers to an API or other interface for obtaining transaction information from a user's financial institution.

[0115] "Database" refers to storage devices and management software for storing and managing collected data.

[0116] "Data analytics" refers to the process of using stored data to analyze patterns and trends in income and expenditure.

[0117] "Automatic budget creation" refers to the process of automatically creating the next month's income and expenditure plan based on the analysis results.

[0118] "Tax documents" refers to documents necessary for tax processing, such as income tax returns.

[0119] "Notifications" refers to messages that inform users of information such as income and expenditure status, budget proposals, tax documents, etc.

[0120] This invention relates to a system that works in conjunction with a user's electronic device to effectively manage income, expenditure, and savings data, and automate budget creation and income tax returns. A specific method for implementing this system will be described below.

[0121] Data Entry and Collection

[0122] A user uses an electronic device such as a smartphone or smartwatch. For example, if a user takes a photo of a restaurant receipt after eating out, the device captures the image. The device then uses OCR (Optical Character Recognition) technology to extract the text data from the receipt (restaurant name, date, amount, etc.). Furthermore, if the user issues a voice command such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the device uses voice recognition technology to convert this into text and generate income and expenditure data. The device also uses bank APIs to obtain transaction information from the user's account in real time and centrally manages income and expenditure data.

[0123] Data storage and analysis

[0124] All collected data is sent from the device to a server, which stores the received data in a database. The stored data is categorized by transaction category (food, housing, transportation, etc.). The server then analyzes monthly and annual spending and income patterns to understand the user's spending habits and income fluctuations.

[0125] Budgeting and spending optimization

[0126] Based on the analysis results, the server automatically creates a budget proposal for the next month based on the user's priorities and financial goals. For example, a user who is trying to save money may be suggested to "eat out less." This budget proposal is notified to the user via their device, and the user can accept or modify it.

[0127] Generate required tax documents

[0128] At the end of the fiscal year, the server automatically generates an income tax return based on all income and expenditure data, complying with the latest tax laws. This includes information on income, expenses, and deductions. The generated tax documents are stored in cloud storage and notified to the user via their device. The user can review the documents and submit the income tax return with one click.

[0129] User Notification and Interaction

[0130] The device periodically notifies the user of income and expenditure status and budget information. For example, on the first day of each month, it generates a report of the previous month's spending and savings status and sends it to the user. Based on this report, the user can enter new budget settings and financial goals, and the device will send them to the server to update the next month's budget.

[0131] Examples of concrete examples and prompts

[0132] As a concrete example, suppose a user dine out and takes a photo of a receipt from "Restaurant A." The device uses OCR technology to extract text data such as "Aaaaa, October 15, 2023, 5,000 yen." The device then sends this data to a server, which classifies it as "food expenses." At the end of the month, the server analyzes all the data and creates a budget proposal of "food expenses: 20,000 yen." This budget proposal is notified to the user via the device, who can review and approve it.

[0133] An example prompt might look like this:

[0134] "When you incur a lot of expenses on a business trip and want to enter the cost of a meal at a restaurant from a receipt"

[0135] "The process of inputting monthly income, expenses, and savings goals to create a budget."

[0136] "The process of generating and submitting income tax returns based on all income and expenditure data at the end of the fiscal year."

[0137] The above is a specific embodiment of the present invention. This system enables users to efficiently manage their income and expenditures and reduce the burden of filing income tax returns.

[0138] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0139] Step 1: Enter your data

[0140] 1.1. The user takes a photo of the receipt using an electronic device such as a smartphone or smartwatch.

[0141] 1.2. Input: Image data of receipt.

[0142] 1.3. The device captures the image and uses OCR technology to extract text data (restaurant name, date, price, etc.).

[0143] 1.4. Data processing: Image data -> text data.

[0144] 1.5. Output: Structured text data (e.g., "Restaurant A, October 15, 2023, 5,000 yen").

[0145] Step 2: Processing voice input

[0146] 2.1. The user issues a voice command such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[0147] 2.2. Input: Audio data.

[0148] 2.3. The device receives voice input and converts it into text data using voice recognition technology.

[0149] 2.4. Data processing: Audio data -> Text data.

[0150] 2.5. Output: Income and expenditure data (e.g., "Income: 50,000 yen, Expense: 10,000 yen").

[0151] Step 3: Get your banking information

[0152] 3.1. The terminal periodically calls the bank API to obtain transaction information from the user's bank account.

[0153] 3.2. Input: Bank API query.

[0154] 3.3. Data processing: API response -> Income and expenditure data.

[0155] 3.4. Output: Real-time transaction information data.

[0156] Step 4: Save your data

[0157] 4.1. The device sends all collected data (OCR data, voice recognition data, bank transaction data) to the server.

[0158] 4.2. Input: Data sent from the terminal.

[0159] 4.3. The server stores the received data in a database.

[0160] 4.4. Data processing: Unorganized data -> Structured income and expenditure data.

[0161] 4.5. Output: Balance data in the database.

[0162] Step 5: Analyze the data

[0163] 5.1. The server categorizes the stored data into transaction categories (food, housing, transportation, etc.).

[0164] 5.2. Input: Database income and expenditure data.

[0165] 5.3. The server will analyze monthly and annual expenditure and income patterns to understand the User's spending habits and income fluctuations.

[0166] 5.4. Data processing: Income and expenditure data -> expenditure and income patterns.

[0167] 5.5. Output: Expenditure and income pattern data.

[0168] Step 6: Create a budget

[0169] 6.1. Based on the analysis results, the server will automatically create a budget for the next month based on the user's priorities and financial goals.

[0170] 6.2. Input: Expenditure and income pattern data.

[0171] 6.3. Data processing: Analysis data -> Budget proposal data.

[0172] 6.4. Output: Next month's budget proposal data.

[0173] Step 7: User notification and confirmation

[0174] 7.1. The server sends the budget proposal to the terminal.

[0175] 7.2. Input: Next month's budget proposal data.

[0176] 7.3. The terminal will notify the user of the budget proposal.

[0177] 7.4. The User will review the notification and accept or amend the budget proposal.

[0178] 7.5. Output: User's confirmed or revised budget proposal.

[0179] Step 8: Generate tax documents

[0180] 8.1. At the end of the fiscal year, the server will automatically generate an income tax return based on all income and expenditure data.

[0181] 8.2. Input: Annual income and expenditure data.

[0182] 8.3. Data processing: Income and expenditure data -> Income tax return data.

[0183] 8.4. Output: Generated income tax return data.

[0184] Step 9: User Notification and Submission

[0185] 9.1. The server stores the generated tax documents in cloud storage.

[0186] 9.2. The server sends a notification of completion of tax document generation to the terminal.

[0187] 9.3. Input: Generated income tax return data.

[0188] 9.4. The device sends notifications to the user.

[0189] 9.5. The User can review the notification and submit the income tax return with one click.

[0190] 9.6. Output: Filed income tax return.

[0191] (Application example 1)

[0192] 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."

[0193] Conventional household management systems require a lot of time and effort to collect and analyze income and expenditure data, create budgets, and generate tax documents, placing a significant burden on individuals and sole proprietors. Furthermore, as electronic payments become more widespread, there is a need for real-time management and analysis of transaction data, but current systems make it difficult to do this efficiently. Furthermore, categorizing each transaction and understanding income and expenditure patterns is often done manually, which can lead to a lack of accuracy.

[0194] 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.

[0195] In this invention, the server includes means for collecting income, expenditure, and savings data in cooperation with the user's information terminal, means for analyzing images of receipts and invoices using character recognition technology to extract text data, means for analyzing voice input using voice recognition technology to generate income and expenditure data, means for acquiring account transaction data using a bank API, means for storing the acquired data in a database and analyzing it, means for automatically creating a budget based on the user's priorities and financial goals, means for generating necessary tax documents and automating income tax returns, means for sending notifications to the user, means for collecting and analyzing electronic payment data acquired in real time, and means for generating budget proposals and tax report documents based on the analysis results, thereby enabling users to manage their income and expenditure data in real time and efficiently and accurately manage their household finances and file tax returns.

[0196] "User's information terminal" refers to an information processing device used by a user, including a smart device.

[0197] "Character recognition technology" is a technology that analyzes character information in an image and converts it into text data.

[0198] "Voice recognition technology" is a technology that analyzes voice input and converts it into text data.

[0199] A "bank API" is an interface that connects with a bank's system and allows account information and transaction data to be obtained via a program.

[0200] A "database" is a system for efficiently storing and managing collected data.

[0201] "Financial Goals" are long-term or short-term financial goals set by a User.

[0202] "Tax documents" are documents required for filing income tax returns and contain information on income, expenses, deductions, etc.

[0203] "Electronic payment data" refers to transaction information conducted via credit cards, mobile payments, etc.

[0204] A "budget proposal" is a future income and expenditure plan created based on income and expenditure data.

[0205] A "report" is a document that compiles information such as analysis results, income and expenditure status, and budget proposals.

[0206] Description: Detailed Description of the Invention

[0207] The system for carrying out this invention is mainly composed of a user's information terminal and a server. A specific embodiment of this system will be described in detail below.

[0208] Data Entry and Collection

[0209] The terminal connects to the user's smart device (e.g., smartphone, smartwatch) and collects income, expenditure, and savings data. For example, by taking a photo of the receipt after paying at a restaurant, OCR technology (such as Tesseract) is used to extract text data (such as the store name, date, and amount). Furthermore, when the user issues a voice command such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the device converts the voice into text using the Google Speech API to generate income and expenditure data. Furthermore, it uses banking APIs (such as Plaid) to obtain real-time transaction information from the user's bank account and centrally manages income and expenditure data.

[0210] Data storage and analysis

[0211] The server stores the collected data in a database (e.g., PostgreSQL). Data obtained from OCR, voice recognition, and bank APIs is stored as income and expenditure data and organized for each user. Next, each transaction is classified by category (e.g., food, housing, transportation, etc.) and monthly and annual expenditure and income patterns are analyzed. This analysis uses a deep learning model (TensorFlow) to accurately identify spending trends and income fluctuations.

[0212] Budgeting and spending optimization

[0213] The server then automatically creates a budget for the next month based on the analysis results, according to the user's priorities and financial goals. For example, a user who is trying to save money can be suggested to reduce the number of times they eat out. The budget proposal is notified to the user via their device and is finalized after the user's approval.

[0214] Generate required tax documents

[0215] At the end of the fiscal year, the server automatically generates tax documents based on all the acquired and analyzed income and expenditure data. For example, it creates an income tax return based on the latest tax laws, taking into account income, expenses, and deduction information. The created documents are electronically stored in cloud storage and notified to the user. After reviewing them, the user can submit their income tax return with one click.

[0216] User Notification and Interaction

[0217] The device periodically notifies the user of income and expenditure status and budget information. For example, at the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. Based on this report, the user can enter new budget settings and financial goals, which the device then sends to the server, updating the next month's budget.

[0218] Examples of concrete examples and prompts

[0219] Examples:

[0220] Credit card spending data used by users for lunch is automatically collected through a bank API and classified into the "food expenses" category.

[0221] At the end of the month, all spending data is analyzed, a budget proposal is generated to reduce the number of times people eat out, and the user is notified.

[0222] At the end of the fiscal year, income tax returns are automatically generated based on all data and saved in cloud storage.

[0223] Example prompts to input to the generative AI model:

[0224] "Ask My Finance Tracker: What's your income and expenses this month?"

[0225] "Ask My Finance Tracker: Generate a budget for the next month."

[0226] This allows users to manage income and expenditure data in real time, enabling them to manage their household finances and file tax returns efficiently and accurately.

[0227] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0228] Step 1:

[0229] The terminal collects data related to the user's income, expenses, and savings. As input, it is given receipt images, voice input, and transaction information from the bank's API. It uses OCR technology to extract text data from receipt images, speech recognition technology to convert voice input into text, and utilizes the bank's API to obtain transaction data in real time. As output, the collected raw data is ready to be stored in a database.

[0230] Step 2:

[0231] The terminal sends the collected data to the server. As input, the collected data obtained in the previous step is given. The data is encrypted and transmitted using a secure communication protocol. As output, the data is stored in a database.

[0232] Step 3:

[0233] The server stores the received data in a database. As input, it receives the collected data sent by the terminals. The data is classified for each user and stored in the appropriate tables. As output, the retained data is available for subsequent analysis steps.

[0234] Step 4:

[0235] The server analyzes the stored data. As input, it receives the income and expenditure data stored in the database. It uses a deep learning model (TensorFlow) to analyze monthly and yearly expenditure and income patterns. As output, it obtains the analysis results.

[0236] Step 5:

[0237] The server creates a budget proposal for the next month based on the analysis results. As input, the user's financial data and the analysis results of their spending patterns are given. The budget proposal is automatically created according to their priorities and financial goals. As output, the budget proposal is generated and notified to the user.

[0238] Step 6:

[0239] The terminal notifies the user of the generated budget proposal. As input, the budget proposal data sent from the server is given. The notification is made through the smartphone's notification function. As output, information on whether the user has confirmed the budget proposal and approved or modified it is collected.

[0240] Step 7:

[0241] The server automatically generates tax documents at the end of the fiscal year. As input, it receives income and expenditure data for the entire period and the latest tax law information. In the automatic generation process, it organizes income, expenditure, and deduction information based on the latest tax law and generates an income tax return. As output, it receives the generated tax document.

[0242] Step 8:

[0243] The terminal notifies the user of the generated tax document and asks for confirmation. As input, the tax document data sent from the server is given. A notification is sent to the user's terminal, the user confirms the document and submits the income tax return with one click. As output, the confirmed tax document is submitted.

[0244] Step 9:

[0245] The terminal responds to periodic inquiries from the user. As input, it receives prompts that the user sends to the generative AI model (e.g., "Please tell me this month's income and expenditure situation" or "Please generate a budget proposal for next month.") As output, it displays the answers generated by the AI ​​model.

[0246] 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.

[0247] MODE FOR CARRYING OUT THE INVENTION

[0248] This invention is a system that collects and analyzes income, expenditure, and savings data to automatically create budgets and prepare income tax returns, effectively supporting household management for individuals and self-employed individuals. Furthermore, by combining it with an emotion engine that recognizes the user's emotional state, it can provide more personalized spending suggestions and budget creation. This system works in conjunction with the user's smart device and operates through the following steps:

[0249] Data Entry and Collection

[0250] The terminal connects to smart devices (smartphones and smartwatches) and collects data on the user's income, expenses, and savings. For example, by taking a photo of a restaurant receipt, OCR technology is used to extract the text data (restaurant name, date, amount, etc.) from the receipt. Furthermore, when the user verbally commands, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," voice recognition technology is used to convert this into text and generate income and expense data. Furthermore, bank APIs are used to obtain transaction information from the user's bank account in real time, and income and expenditure data is managed centrally.

[0251] Emotion engine included

[0252] The emotion engine analyzes the user's voice input, facial expressions, and tone of voice during interactions to detect the user's emotional state in real time. For example, when a user enters income or expenses, the emotion engine detects stress or happiness. The emotion engine also analyzes the correlation between the user's previously entered data and their emotional state, learning the user's emotional patterns.

[0253] Data storage and analysis

[0254] The server stores the collected data in a database. The collected data includes details such as date, time, category, amount, and emotional state. The data is then categorized by transaction category (food, housing, transportation, etc.) and monthly and annual spending and income patterns are analyzed. This analysis allows the user's spending habits and income fluctuations to be identified, and the correlation with emotional state is further analyzed.

[0255] Budgeting and spending optimization

[0256] The server then uses the analysis results to automatically create the next month's budget in accordance with the user's priorities and financial goals. For example, if the user is trying to save money, it will suggest eating out less. Furthermore, the emotion engine detects the user's emotional state and adjusts the budget and spending optimization suggestions accordingly. For example, if the user is judged to be prone to stress, it will suggest reasonable savings.

[0257] Generate required tax documents

[0258] At the end of the fiscal year, the server aggregates all income and expenditure data. It generates the necessary tax documents based on the income, expenses, and deduction information. For example, it creates an income tax return based on the latest tax laws, taking into account the income, expenses, and deduction information. The created document is electronically stored in cloud storage and notified to the user. After reviewing it, the user can submit the income tax return with one click. The emotion engine monitors the user's emotional state during the filing process and sends notifications and alerts to reduce stress levels.

[0259] User Notification and Interaction

[0260] The device periodically notifies the user of income and expenditure status and budget information. For example, at the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. The user inputs new budget settings and financial goals based on this report, and the device sends it to the server, updating the budget for the next month. The emotion engine analyzes the user's emotional state during these notifications and interactions in real time and provides appropriate feedback.

[0261] The above is a specific embodiment for implementing the present invention. This system allows users to efficiently and accurately manage their income and expenditures, reducing the burden of filing income tax returns. Using the present invention improves the accuracy of household management and enables support that is sensitive to the user's emotions.

[0262] The processing flow will be explained below.

[0263] Program processing flow

[0264] Data Entry and Collection

[0265] Step 1:

[0266] A user takes a photo of a restaurant receipt with their smartphone.

[0267] The device sends the captured image to an OCR module, which extracts text data (restaurant name, date, price, etc.).

[0268] Step 2:

[0269] The user commands verbally, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[0270] The device uses voice recognition technology to convert speech into text and generate income and expenditure data.

[0271] Step 3:

[0272] The terminal periodically retrieves transaction information from the user's bank account via the bank API.

[0273] The server analyzes the captured transaction information and categorizes the income and expenditure data.

[0274] Step 4:

[0275] When a user performs voice input or data input, the device's emotion engine analyzes the user's tone of voice and facial expressions to detect the user's emotional state.

[0276] Step 5:

[0277] The device sends all collected data to a server and stores it.

[0278] Data storage and analysis

[0279] Step 6:

[0280] The server stores the data in a database, including details such as date, time, category, amount, and emotional state.

[0281] Step 7:

[0282] The server categorizes the stored data by category (food, housing, transportation, etc.).

[0283] Step 8:

[0284] The server analyzes the data to understand monthly and yearly spending and income patterns, as well as emotional states, and analyzes the correlation between the user's spending habits and income fluctuations and their emotions.

[0285] Budgeting and spending optimization

[0286] Step 9:

[0287] The server then uses the analysis to create a budget based on the user's priorities and financial goals. For example, if the user is trying to save money, it will suggest eating out less.

[0288] Step 10:

[0289] The emotion engine detects the user's emotional state and adjusts budget and spending optimization suggestions based on that. For example, if the user is judged to be prone to stress, it will suggest reasonable savings.

[0290] Step 11:

[0291] The terminal notifies the user of the created budget and asks them to confirm the proposed content. If the user accepts the proposal, the budget is finalized.

[0292] Generate required tax documents

[0293] Step 12:

[0294] At the end of the fiscal year, the server aggregates all income and expenditure data and generates the necessary tax forms based on income, expenses, and deductions.

[0295] Step 13:

[0296] The server automatically prepares income tax returns based on the latest tax laws.

[0297] Step 14:

[0298] The generated documents are stored in cloud storage and a notification is sent to the device, allowing the user to receive the notification, review the documents, and then file their income tax return with one click.

[0299] Step 15:

[0300] The emotion engine monitors the user's emotional state during the claim process and sends notifications and alerts to reduce stress levels.

[0301] User Notification and Interaction

[0302] Step 16:

[0303] At the beginning of each month, the server generates a report based on the previous month's income and expenditure data.

[0304] Step 17:

[0305] The terminal notifies the user of the generated report, which the user then confirms.

[0306] Step 18:

[0307] Users can input new budget settings and financial goals based on the report, and the device will send this to the server to update the budget for the next month. The emotion engine analyzes the user's emotional state during these notifications and interactions in real time and provides appropriate feedback.

[0308] These are the specific programming steps for the system that combines the household management assistant app and emotion engine. This system enables users to efficiently and accurately manage their income and expenses and file income tax returns, and also provides support that is sensitive to the user's emotions.

[0309] Example 2

[0310] 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."

[0311] Traditional household management systems rely on manual input to collect income and expenditure data, placing a heavy burden on users. Furthermore, they lack automation for budgeting and income tax returns, and are unable to provide spending suggestions or optimization that take into account the user's emotional state, limiting the efficiency and effectiveness of household management. Furthermore, many systems fail to incorporate the user's emotional state, which means they are unable to reduce the psychological burden on users.

[0312] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[0313] In this invention, the server includes means for collecting income, expenditure, and savings data in cooperation with the user's smart device, means for analyzing images of receipts and invoices using optical character recognition technology and extracting text data, means for analyzing voice input using voice recognition technology and generating income and expenditure data, means for acquiring account transaction data using financial institution APIs, means for storing and analyzing the acquired data, means for analyzing the user's emotional state and learning emotional patterns, means for automatically creating a budget based on the user's priorities and financial goals, means for generating necessary tax documents and automating income tax returns, and means for sending notifications to the user. This enables the automatic collection and analysis of income and expenditure data, budget creation and expenditure optimization taking into account the user's emotional state, and the automation of income tax returns, thereby reducing the user's burden and enabling more effective household management.

[0314] "User's smart device" refers to a portable electronic device that a user uses on a daily basis, such as a smartphone or smartwatch.

[0315] "Income, expenditure, and savings data" refers to information about a user's income, expenditure, and savings.

[0316] Optical character recognition (OCR) is a technology that extracts text information from an image.

[0317] "Speech recognition technology" is a technology that converts speech into text.

[0318] A "Financial Institution API" is an application program interface provided by financial institutions for obtaining bank account transaction information.

[0319] The "emotion engine" is a technology that analyzes a user's emotional state from their tone of voice, facial expressions, etc.

[0320] "Emotional state" refers to the psychological state, such as stress or happiness, that a user feels.

[0321] An "emotional pattern" is the fluctuation or tendency of a user's emotions under a specific situation.

[0322] "Financial Goals" are savings and spending goals set by the user.

[0323] "Automatic budget creation" is the process of automatically generating the next month's budget based on collected and analyzed data.

[0324] "Tax documents" are official documents required for filing income tax returns, etc.

[0325] "Income tax return automation" refers to the automatic creation of income tax return documents based on collected income and expenditure data, and the automation of the process leading up to submission.

[0326] "Notification sending means" refers to the method or technology for notifying users of important information.

[0327] MODE FOR CARRYING OUT THE INVENTION

[0328] This invention is a system that effectively supports household management for individuals and self-employed individuals. This system collects and analyzes income, expenditure, and savings data, and automatically creates budgets and prepares income tax returns. Furthermore, by incorporating an emotion engine, the system recognizes the user's emotional state and provides more personalized spending suggestions and budget creation.

[0329] Data Entry and Collection

[0330] The terminal connects to smart devices such as smartphones and smartwatches to collect the user's income, expenditure, and savings data. For example, when a user takes a photo of a restaurant receipt with their smartphone, the terminal uses optical character recognition (OCR) technology to extract the receipt's text data (restaurant name, date, amount, etc.). Furthermore, when the user verbally commands, such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the terminal uses voice recognition technology to convert this into text and generate income and expenditure data. Furthermore, the server obtains transaction information from the user's bank account in real time via financial institution APIs and centrally manages income and expenditure data.

[0331] Emotion engine included

[0332] The emotion engine analyzes the user's voice input, facial expressions, and tone of voice during interactions to detect the user's emotional state in real time. For example, when a user enters income or expenses, the emotion engine detects the user's stress or happiness. The server compares the collected emotion data with past data and learns the user's emotional patterns.

[0333] Data storage and analysis

[0334] The collected data is stored in a database on the server. The stored data includes detailed information such as date, time, category, amount, and emotional state. The server then classifies each transaction by category (food, housing, transportation, etc.) and analyzes monthly and annual income and expenditure patterns. This allows the system to understand the user's spending habits and income fluctuations and analyze their correlation with emotional state.

[0335] Budgeting and spending optimization

[0336] The server then uses the analysis results to automatically create the next month's budget based on the user's priorities and financial goals. For example, if the user is trying to save money, the server will suggest eating out less. Furthermore, the server adjusts budget proposals and spending optimization suggestions based on the user's emotional state, as detected by the emotion engine. For example, if the server determines that the user is prone to stress, it will suggest reasonable savings.

[0337] Generate required tax documents

[0338] At the end of the fiscal year, the server aggregates all income and expenditure data. It then creates the necessary tax documents based on the income, expenses, and deduction information. For example, it creates an income tax return based on the latest tax laws, taking into account the income, expenses, and deduction information. The created documents are electronically stored in cloud storage and notified to the user. After reviewing them, the user can submit the income tax return with one click. The emotion engine monitors the user's emotional state during the filing process and sends notifications and alerts to reduce stress levels.

[0339] User Notification and Interaction

[0340] The device periodically notifies the user of income and expenditure status and budget information. At the beginning of each month, the device generates a report of the previous month's spending and savings status and sends it to the user. The user can then input new budget settings and financial goals based on this report, which the device then sends to the server. The server updates the information in the database, and the next month's budget is automatically updated. The emotion engine analyzes the user's emotional state in real time during notifications and interactions and provides appropriate feedback.

[0341] Examples of concrete examples and prompts

[0342] Data entry and collection: The user takes a photo of a restaurant receipt with their smartphone, and OCR technology extracts the following data: "Restaurant name: XX Restaurant, Date: 2023 / 10 / 06, Amount: 5,000 yen."

[0343] Equipped with an emotion engine: When the user is making voice input, the emotion engine determines that "the user is feeling somewhat stressed" and records it.

[0344] Budgeting: The server sends a message saying, "I've created a budget proposal for next month. It suggests reducing dining out expenses by 20%."

[0345] Example prompt sentence:

[0346] Data entry prompt: "Please enter your income and expense data. Example: Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[0347] Emotion Engine prompt: "Please enter your income and expenses data. Also tell us about your feelings of stress and happiness."

[0348] The above is a specific embodiment for carrying out the present invention. By using this system, users can efficiently and accurately manage their income and expenditures, thereby improving their quality of life.

[0349] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0350] Step 1:

[0351] Data Entry and Collection

[0352] Input: Input income, expenditure and savings data via smart devices.

[0353] How it works: The device takes an image of a receipt taken by the user with their smartphone and extracts text data using optical character recognition (OCR). When the user verbally commands, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the device converts the voice data into text using voice recognition technology. Furthermore, the device uses financial institution APIs to obtain bank account transaction information in real time.

[0354] Output: Extracted text data, text data generated from voice input, and real-time transaction information are generated.

[0355] Step 2:

[0356] Emotion recognition by emotion engine

[0357] Input: User voice input, facial expressions, and tone of voice.

[0358] How it works: The emotion engine analyzes voice input, facial expressions, and tone of voice during interactions to detect the user's emotional state in real time. It also analyzes correlations between past input data and emotional states to learn emotional patterns.

[0359] Output: User's emotional state data.

[0360] Step 3:

[0361] Data storage and analysis

[0362] Inputs: extracted text data, text data generated from voice input, real-time transaction information, emotional state data.

[0363] How it works: The server stores the collected data in a database, including details such as date, time, category, amount, and emotional state. The server then categorizes the transaction data into categories and analyzes monthly and yearly patterns of income and expenditure.

[0364] Output: Transaction data categorized by category, monthly and yearly income and expenditure pattern analysis.

[0365] Step 4:

[0366] Budgeting and spending optimization

[0367] Input: Income and expenditure pattern analysis results, emotional state data.

[0368] How it works: The server automatically creates a budget for the next month based on the user's priorities and financial goals, based on the analysis of income and expenditure patterns and the user's emotional state. For example, if the user is trying to save money, the server will suggest reducing the number of times they eat out. Also, if the emotion engine detects the user's stress level, the server will suggest reasonable savings.

[0369] Output: Auto-generated budget proposal for the next month, with spending optimization suggestions.

[0370] Step 5:

[0371] Generate required tax documents

[0372] Input: Income and expenditure data, deduction information, and income and expenditure pattern analysis results.

[0373] How it works: At the end of the fiscal year, the server aggregates all income and expenditure data. It then automatically generates an income tax return based on the latest tax laws, taking into account income, expenses, and deduction information. This document is stored in cloud storage and notified to the user. After reviewing it, the user can submit the income tax return with one click. The emotion engine monitors the user's emotional state during the filing process and sends notifications and alerts to reduce stress levels.

[0374] Output: Prepared income tax return, notification of filing to user.

[0375] Step 6:

[0376] User Notification and Interaction

[0377] Inputs: latest income and expenditure data, budget proposals, spending optimization suggestions, and user emotional state data.

[0378] How it works: The device periodically sends notifications to the user containing the latest income and expenditure data, budget proposals, and spending optimization suggestions. At the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. The user can then enter new budget settings and financial goals based on this report, which the device then sends to the server. The emotion engine analyzes the user's emotional state in real time during notifications and interactions and provides appropriate feedback.

[0379] Output: User status notifications, reports, and feedback.

[0380] The above is the specific flow of the system's program processing.

[0381] (Application example 2)

[0382] 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."

[0383] In modern life, many individuals and self-employed individuals spend a great deal of time and effort managing their income and expenditures, preparing budgets, and filing income taxes. To solve this problem, a system is needed that can efficiently and accurately collect and analyze income and expenditure data and provide appropriate budget and spending suggestions based on the user's emotional state. However, current systems lack emotion analysis capabilities, making it difficult to provide spending suggestions and budget adjustments that take the user's mental state into account. Furthermore, these systems often cannot effectively utilize voice or image data, requiring manual data entry. Therefore, achieving both efficient income and expenditure management and personalized support is a challenge.

[0384] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes: means for collecting income, expenditure, and savings data in cooperation with the user's information terminal; means for analyzing receipt images using optical character recognition technology and extracting text data; means for analyzing voice input using voice recognition technology and generating income and expenditure data; means for acquiring account transaction data using a financial institution API; means for storing and analyzing the acquired data; means for automatically creating a budget based on the user's priorities and financial goals; means for generating necessary tax documents and automating income tax returns; means for combining an emotion engine that analyzes the user's tone of voice and facial expressions to detect their emotional state; means for adjusting budget proposals and spending suggestions based on the user's emotional state; and means for sending notifications to the user. This enables efficient and accurate income and expenditure management while taking the user's mental state into consideration, and enables the automation of budget creation and tax document preparation.

[0385] "Information terminal" refers to a user's portable electronic device such as a smartphone or tablet.

[0386] "Optical character recognition technology" is a technology that extracts text information from image data.

[0387] "Voice recognition technology" is a technology that analyzes voice and converts it into text data.

[0388] A "financial institution API" is an application program interface that works in conjunction with financial institution systems to obtain account transaction information.

[0389] The "Emotion Engine" is a technology that detects the user's emotional state through voice tone and facial expression analysis.

[0390] "Automatic Budgeting" is the process of automatically generating a budget based on a user's income and expenditure data and priorities.

[0391] "Tax document automation" is the process of automatically generating required tax documents based on income and expenditure data and tax laws.

[0392] "Contact sending" refers to the act of sending notifications or important information to users.

[0393] MODE FOR CARRYING OUT THE INVENTION

[0394] An embodiment of the present invention will now be described. In this system, a user's information terminal and a server work in cooperation with each other.

[0395] Hardware and Software Configuration

[0396] Hardware

[0397] Information terminals: smartphones, tablets, etc.

[0398] Input devices: microphone, camera

[0399] software

[0400] Speech recognition technology: SpeechRecognition library

[0401] Optical character recognition technology: OpenCV, pytesseract library

[0402] Emotion Engine: TextBlob Library

[0403] Database: Database connection using SQLAlchemy

[0404] System Operation

[0405] 1. Data collection

[0406] The information terminal collects the user's income, expenditure, and savings data. For example, when a user takes a photo of a receipt they received when eating out with the terminal's camera, optical character recognition technology extracts text data from the receipt. Also, using voice recognition technology, if the user says by voice, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," this voice is converted into text data and income and expenditure data is automatically generated.

[0407] 2. Data analysis and storage

[0408] The server uses the financial institution's API to obtain user account transaction data and stores this data (voice recognition data, optical character recognition data, and financial institution API data) in a centralized database. The data is categorized based on date, time, category, and amount.

[0409] 3. Operation of the Emotion Engine

[0410] The information terminal analyzes the user's tone of voice and facial expressions to detect their emotional state. For example, it can analyze stress, happiness, and other emotions in real time from the tone of voice when the user makes a voice input, and saves the results in a database. This makes it possible to analyze the correlation between the user's emotional state and income and expenditure data.

[0411] 4. Automatic budget creation

[0412] Based on the collected and analyzed data, the server automatically creates a budget tailored to the user's priorities and financial goals. For example, if the user is trying to save money, the system will suggest reducing the number of times they eat out.

[0413] 5. Generate tax documents

[0414] At the end of the fiscal year, the server compiles all income and expenditure data and automatically generates the necessary tax forms based on the latest tax laws, which users can then review and file their income tax returns electronically.

[0415] 6. User Notification and Interaction

[0416] The information terminal periodically notifies the user of information about income and expenditure status and budget. For example, at the beginning of each month, it generates a report of the previous month's expenditure and savings status and sends it to the user. Based on this report, the user can input new budget settings and financial goals, which are sent to the server and the budget for the next month is updated.

[0417] Prompt Sentence Examples

[0418] For example, the following prompt sentence is used to give a voice instruction such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[0419] Today's income was 50,000 yen, and I spent 10,000 yen on expenses.

[0420] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0421] Step 1:

[0422] The user inputs data using an information terminal. The user takes a photo of the receipt with a camera or inputs data by voice. The input image data of the receipt is converted into text data using optical character recognition technology. Voice input is converted into text data using voice recognition technology. In this way, image files and voice files are obtained as input data and text data is generated.

[0423] Step 2:

[0424] The terminal sends the generated text data to the server. The server uses the financial institution's API to obtain the user's account transaction data. This transaction information is collected in real time and organized together with the text data. Speech recognition text data, optical character recognition text data, and financial institution API data are obtained as input data sent from the user or terminal, and each is collected.

[0425] Step 3:

[0426] The server stores the collected data in a database. The data is categorized by date, time, category, amount, etc. At this stage, the emotion engine operates, analyzing the user's emotional state from their tone of voice and facial expressions to generate emotion data. This assigns emotion data to the stored data.

[0427] Step 4:

[0428] The server analyzes the stored data to understand the user's spending and income patterns. Based on the analysis results, it automatically creates a budget that matches the user's priorities and financial goals. The emotion analysis data from the emotion engine is also taken into account to generate a flexible budget proposal that matches the user's emotional state. This results in a budget proposal that takes into account spending and income patterns.

[0429] Step 5:

[0430] At the end of the fiscal year, the server aggregates all income and expenditure data and automatically generates the necessary tax forms based on the latest tax laws. Users can review these documents and submit them on the cloud. At specific times, tax forms are generated based on the aggregated data and notified to the user.

[0431] Step 6:

[0432] The device periodically notifies the user of information about income and expenditure status and budget. For example, at the beginning of each month, it generates a report of the previous month's expenditures and savings status and sends it to the user. The user can then input new budget settings and financial goals based on this report, and the device will send the new data to the server, updating the budget for the next month. This completes the regular income and expenditure reporting and budget update process.

[0433] 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.

[0434] 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.

[0435] 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.

[0436] [Second embodiment]

[0437] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0438] 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.

[0439] 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).

[0440] 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.

[0441] 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.

[0442] 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).

[0443] 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.

[0444] 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.

[0445] 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.

[0446] 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.

[0447] 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.

[0448] 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."

[0449] MODE FOR CARRYING OUT THE INVENTION

[0450] The present invention is a system that collects and analyzes income, expenditure, and savings data to automatically create budgets and file income tax returns, in order to effectively support household management for individuals and self-employed individuals. This system works in conjunction with the user's smart device and operates through the following steps:

[0451] Data Entry and Collection

[0452] The terminal connects to smart devices (smartphones and smartwatches) and collects data on the user's income, expenses, and savings. For example, by taking a photo of a restaurant receipt, OCR technology is used to extract the text data (restaurant name, date, amount, etc.) from the receipt. Furthermore, when the user verbally commands, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," voice recognition technology is used to convert this into text and generate income and expense data. Furthermore, bank APIs are used to obtain transaction information from the user's bank account in real time, and income and expenditure data is managed centrally.

[0453] Data storage and analysis

[0454] The server stores the collected data in a database. For example, data obtained from OCR, voice recognition, and bank APIs is stored as income and expenditure data and organized for each user. The data is then classified by transaction category (food, housing, transportation, etc.) and monthly and annual expenditure and income patterns are analyzed. This analysis makes it possible to understand the user's spending trends and income fluctuations.

[0455] Budgeting and spending optimization

[0456] The server then automatically creates a budget for the next month based on the analysis results, according to the user's priorities and financial goals. For example, if a user is trying to save money, it can suggest reducing the number of times they eat out. The budget proposal is notified to the user via their device and is finalized after the user's approval.

[0457] Generate required tax documents

[0458] At the end of the fiscal year, the server automatically generates tax documents based on all the acquired and analyzed income and expenditure data. For example, it creates an income tax return based on the latest tax laws, taking into account income, expenses, and deduction information. The created documents are electronically stored in cloud storage and notified to the user. After reviewing the documents, the user can submit the income tax return with one click.

[0459] User Notification and Interaction

[0460] The device periodically notifies the user of income and expenditure status and budget information. For example, at the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. Based on this report, the user can enter new budget settings and financial goals, which the device then sends to the server, updating the budget for the next month.

[0461] The above is a specific embodiment for carrying out the present invention. This system allows users to efficiently and accurately manage their income and expenditures, reducing the burden of filing income tax returns. By using the present invention, the accuracy of household management can be improved, and it is possible to support lifestyle planning with a comfortable lifestyle.

[0462] The processing flow will be explained below.

[0463] Program processing flow

[0464] Data Entry and Collection

[0465] Step 1:

[0466] A user takes a photo of a restaurant receipt with their smartphone.

[0467] The device sends the captured image to an OCR module, which extracts text data (restaurant name, date, price, etc.).

[0468] Step 2:

[0469] The user commands verbally, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[0470] The device uses voice recognition technology to convert speech into text and generate income and expenditure data.

[0471] Step 3:

[0472] The terminal periodically retrieves transaction information from the user's bank account via the bank API.

[0473] The server analyzes the captured transaction information and categorizes the income and expenditure data.

[0474] Step 4:

[0475] The device sends all collected data to a server and stores it.

[0476] Data storage and analysis

[0477] Step 5:

[0478] The server stores the transmitted data in a database.

[0479] The data collected includes details such as date, time, category, and amount.

[0480] Step 6:

[0481] The server categorizes the stored data by category (food, housing, transportation, etc.).

[0482] Step 7:

[0483] The server analyzes the data to understand monthly and yearly spending and income patterns.

[0484] Based on the analysis results, the user's spending trends and income fluctuations are analyzed.

[0485] Budgeting and spending optimization

[0486] Step 8:

[0487] The server uses the analysis to create a budget based on the user's priorities and financial goals.

[0488] For example, if a user is trying to save money, the app will suggest eating out less often.

[0489] Step 9:

[0490] The device will then notify the user of the budget that has been created and confirm the proposal.

[0491] The user accepts the proposal and the budget for the next month is finalized.

[0492] Generate required tax documents

[0493] Step 10:

[0494] At the end of the fiscal year, the server aggregates all income and expenditure data.

[0495] Generate the necessary tax forms based on your income, expenses, and deductions.

[0496] Step 11:

[0497] The server automatically prepares income tax returns based on the latest tax laws.

[0498] Step 12:

[0499] The generated document is saved in cloud storage and a notification is sent to your device.

[0500] Users receive a notification, check their documents, and then file their income tax return with one click.

[0501] User Notification and Interaction

[0502] Step 13:

[0503] At the beginning of each month, the server generates a report based on the previous month's income and expenditure data.

[0504] Step 14:

[0505] The terminal notifies the user of the generated report, which the user then confirms.

[0506] Step 15:

[0507] Users input new budgets and financial goals based on the reports.

[0508] The terminal sends this to the server and updates the budget for the next month.

[0509] These are the specific steps of the program process for the household management assistant app, which allows users to efficiently and accurately manage their income and expenditures and file income tax returns.

[0510] Example 1

[0511] Next, a description will be given of Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the smart glasses 214 will be referred to as a "terminal."

[0512] The challenge for individuals and self-employed individuals is to efficiently manage income, expenditure, and savings data, and automate budgeting and income tax returns. Traditional methods require manual data entry and classification, which is time-consuming and labor-intensive. Furthermore, errors and data omissions are likely to occur, making accurate household management and tax processing difficult.

[0513] The specific processing by the specific processing unit 290 of the data processing device 12 in the first embodiment is realized by the following means.

[0514] In this invention, the server includes means for collecting income, expenditure, and savings data in cooperation with the user's electronic device, means for analyzing images of receipts and invoices using character recognition technology to extract text data, and means for analyzing voice input using voice recognition technology to generate income and expenditure data. This allows individuals and sole proprietors to automatically manage their household finances, prevent input errors and data omissions, and enable accurate budgeting and income tax filing.

[0515] "User" refers to an individual or sole proprietor who uses this system.

[0516] "Electronic device" refers to devices capable of data entry and communication, including smart devices such as smartphones and smartwatches.

[0517] "Income, Expense, and Savings Data" means data about the income earned, expenses incurred, and savings of a User.

[0518] "Character recognition technology" is a technology that extracts character information from image data and converts it into text data.

[0519] "Speech recognition technology" is a technology that converts voice data into text data.

[0520] "Financial Interface" refers to an API or other interface for obtaining transaction information from a user's financial institution.

[0521] "Database" refers to storage devices and management software for storing and managing collected data.

[0522] "Data analytics" refers to the process of using stored data to analyze patterns and trends in income and expenditure.

[0523] "Automatic budget creation" refers to the process of automatically creating the next month's income and expenditure plan based on the analysis results.

[0524] "Tax documents" refers to documents necessary for tax processing, such as income tax returns.

[0525] "Notifications" refers to messages that inform users of information such as income and expenditure status, budget proposals, tax documents, etc.

[0526] This invention relates to a system that works in conjunction with a user's electronic device to effectively manage income, expenditure, and savings data, and automate budget creation and income tax returns. A specific method for implementing this system will be described below.

[0527] Data Entry and Collection

[0528] A user uses an electronic device such as a smartphone or smartwatch. For example, if a user takes a photo of a restaurant receipt after eating out, the device captures the image. The device then uses OCR (Optical Character Recognition) technology to extract the text data from the receipt (restaurant name, date, amount, etc.). Furthermore, if the user issues a voice command such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the device uses voice recognition technology to convert this into text and generate income and expenditure data. The device also uses bank APIs to obtain transaction information from the user's account in real time and centrally manages income and expenditure data.

[0529] Data storage and analysis

[0530] All collected data is sent from the device to a server, which stores the received data in a database. The stored data is categorized by transaction category (food, housing, transportation, etc.). The server then analyzes monthly and annual spending and income patterns to understand the user's spending habits and income fluctuations.

[0531] Budgeting and spending optimization

[0532] Based on the analysis results, the server automatically creates a budget proposal for the next month based on the user's priorities and financial goals. For example, a user who is trying to save money may be suggested to "eat out less." This budget proposal is notified to the user via their device, and the user can accept or modify it.

[0533] Generate required tax documents

[0534] At the end of the fiscal year, the server automatically generates an income tax return based on all income and expenditure data, complying with the latest tax laws. This includes information on income, expenses, and deductions. The generated tax documents are stored in cloud storage and notified to the user via their device. The user can review the documents and submit the income tax return with one click.

[0535] User Notification and Interaction

[0536] The device periodically notifies the user of income and expenditure status and budget information. For example, on the first day of each month, it generates a report of the previous month's spending and savings status and sends it to the user. Based on this report, the user can enter new budget settings and financial goals, and the device will send them to the server to update the next month's budget.

[0537] Examples of concrete examples and prompts

[0538] As a concrete example, suppose a user dine out and takes a photo of a receipt from "Restaurant A." The device uses OCR technology to extract text data such as "Aaaaa, October 15, 2023, 5,000 yen." The device then sends this data to a server, which classifies it as "food expenses." At the end of the month, the server analyzes all the data and creates a budget proposal of "food expenses: 20,000 yen." This budget proposal is notified to the user via the device, who can review and approve it.

[0539] An example prompt might look like this:

[0540] "When you incur a lot of expenses on a business trip and want to enter the cost of a meal at a restaurant from a receipt"

[0541] "The process of inputting monthly income, expenses, and savings goals to create a budget."

[0542] "The process of generating and submitting income tax returns based on all income and expenditure data at the end of the fiscal year."

[0543] The above is a specific embodiment of the present invention. This system enables users to efficiently manage their income and expenditures and reduce the burden of filing income tax returns.

[0544] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0545] Step 1: Enter your data

[0546] 1.1. The user takes a photo of the receipt using an electronic device such as a smartphone or smartwatch.

[0547] 1.2. Input: Image data of receipt.

[0548] 1.3. The device captures the image and uses OCR technology to extract text data (restaurant name, date, price, etc.).

[0549] 1.4. Data processing: Image data -> text data.

[0550] 1.5. Output: Structured text data (e.g., "Restaurant A, October 15, 2023, 5,000 yen").

[0551] Step 2: Processing voice input

[0552] 2.1. The user issues a voice command such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[0553] 2.2. Input: Audio data.

[0554] 2.3. The device receives voice input and converts it into text data using voice recognition technology.

[0555] 2.4. Data processing: Audio data -> Text data.

[0556] 2.5. Output: Income and expenditure data (e.g., "Income: 50,000 yen, Expense: 10,000 yen").

[0557] Step 3: Get your banking information

[0558] 3.1. The terminal periodically calls the bank API to obtain transaction information from the user's bank account.

[0559] 3.2. Input: Bank API query.

[0560] 3.3. Data processing: API response -> Income and expenditure data.

[0561] 3.4. Output: Real-time transaction information data.

[0562] Step 4: Save your data

[0563] 4.1. The device sends all collected data (OCR data, voice recognition data, bank transaction data) to the server.

[0564] 4.2. Input: Data sent from the terminal.

[0565] 4.3. The server stores the received data in a database.

[0566] 4.4. Data processing: Unorganized data -> Structured income and expenditure data.

[0567] 4.5. Output: Balance data in the database.

[0568] Step 5: Analyze the data

[0569] 5.1. The server categorizes the stored data into transaction categories (food, housing, transportation, etc.).

[0570] 5.2. Input: Database income and expenditure data.

[0571] 5.3. The server will analyze monthly and annual expenditure and income patterns to understand the User's spending habits and income fluctuations.

[0572] 5.4. Data processing: Income and expenditure data -> expenditure and income patterns.

[0573] 5.5. Output: Expenditure and income pattern data.

[0574] Step 6: Create a budget

[0575] 6.1. Based on the analysis results, the server will automatically create a budget for the next month based on the user's priorities and financial goals.

[0576] 6.2. Input: Expenditure and income pattern data.

[0577] 6.3. Data processing: Analysis data -> Budget proposal data.

[0578] 6.4. Output: Next month's budget proposal data.

[0579] Step 7: User notification and confirmation

[0580] 7.1. The server sends the budget proposal to the terminal.

[0581] 7.2. Input: Next month's budget proposal data.

[0582] 7.3. The terminal will notify the user of the budget proposal.

[0583] 7.4. The User will review the notification and accept or amend the budget proposal.

[0584] 7.5. Output: User's confirmed or revised budget proposal.

[0585] Step 8: Generate tax documents

[0586] 8.1. At the end of the fiscal year, the server will automatically generate an income tax return based on all income and expenditure data.

[0587] 8.2. Input: Annual income and expenditure data.

[0588] 8.3. Data processing: Income and expenditure data -> Income tax return data.

[0589] 8.4. Output: Generated income tax return data.

[0590] Step 9: User Notification and Submission

[0591] 9.1. The server stores the generated tax documents in cloud storage.

[0592] 9.2. The server sends a notification of completion of tax document generation to the terminal.

[0593] 9.3. Input: Generated income tax return data.

[0594] 9.4. The device sends notifications to the user.

[0595] 9.5. The User can review the notification and submit the income tax return with one click.

[0596] 9.6. Output: Filed income tax return.

[0597] (Application example 1)

[0598] 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."

[0599] Conventional household management systems require a lot of time and effort to collect and analyze income and expenditure data, create budgets, and generate tax documents, placing a significant burden on individuals and sole proprietors. Furthermore, as electronic payments become more widespread, there is a need for real-time management and analysis of transaction data, but current systems make it difficult to do this efficiently. Furthermore, categorizing each transaction and understanding income and expenditure patterns is often done manually, which can lead to a lack of accuracy.

[0600] 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.

[0601] In this invention, the server includes means for collecting income, expenditure, and savings data in cooperation with the user's information terminal, means for analyzing images of receipts and invoices using character recognition technology to extract text data, means for analyzing voice input using voice recognition technology to generate income and expenditure data, means for acquiring account transaction data using a bank API, means for storing the acquired data in a database and analyzing it, means for automatically creating a budget based on the user's priorities and financial goals, means for generating necessary tax documents and automating income tax returns, means for sending notifications to the user, means for collecting and analyzing electronic payment data acquired in real time, and means for generating budget proposals and tax report documents based on the analysis results, thereby enabling users to manage their income and expenditure data in real time and efficiently and accurately manage their household finances and file tax returns.

[0602] "User's information terminal" refers to an information processing device used by a user, including a smart device.

[0603] "Character recognition technology" is a technology that analyzes character information in an image and converts it into text data.

[0604] "Voice recognition technology" is a technology that analyzes voice input and converts it into text data.

[0605] A "bank API" is an interface that connects with a bank's system and allows account information and transaction data to be obtained via a program.

[0606] A "database" is a system for efficiently storing and managing collected data.

[0607] "Financial Goals" are long-term or short-term financial goals set by a User.

[0608] "Tax documents" are documents required for filing income tax returns and contain information on income, expenses, deductions, etc.

[0609] "Electronic payment data" refers to transaction information conducted via credit cards, mobile payments, etc.

[0610] A "budget proposal" is a future income and expenditure plan created based on income and expenditure data.

[0611] A "report" is a document that compiles information such as analysis results, income and expenditure status, and budget proposals.

[0612] Description: Detailed Description of the Invention

[0613] The system for carrying out this invention is mainly composed of a user's information terminal and a server. A specific embodiment of this system will be described in detail below.

[0614] Data Entry and Collection

[0615] The terminal connects to the user's smart device (e.g., smartphone, smartwatch) and collects income, expenditure, and savings data. For example, by taking a photo of the receipt after paying at a restaurant, OCR technology (such as Tesseract) is used to extract text data (such as the store name, date, and amount). Furthermore, when the user issues a voice command such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the device converts the voice into text using the Google Speech API to generate income and expenditure data. Furthermore, it uses banking APIs (such as Plaid) to obtain real-time transaction information from the user's bank account and centrally manages income and expenditure data.

[0616] Data storage and analysis

[0617] The server stores the collected data in a database (e.g., PostgreSQL). Data obtained from OCR, voice recognition, and bank APIs is stored as income and expenditure data and organized for each user. Next, each transaction is classified by category (e.g., food, housing, transportation, etc.) and monthly and annual expenditure and income patterns are analyzed. This analysis uses a deep learning model (TensorFlow) to accurately identify spending trends and income fluctuations.

[0618] Budgeting and spending optimization

[0619] The server then automatically creates a budget for the next month based on the analysis results, according to the user's priorities and financial goals. For example, a user who is trying to save money can be suggested to reduce the number of times they eat out. The budget proposal is notified to the user via their device and is finalized after the user's approval.

[0620] Generate required tax documents

[0621] At the end of the fiscal year, the server automatically generates tax documents based on all the acquired and analyzed income and expenditure data. For example, it creates an income tax return based on the latest tax laws, taking into account income, expenses, and deduction information. The created documents are electronically stored in cloud storage and notified to the user. After reviewing them, the user can submit their income tax return with one click.

[0622] User Notification and Interaction

[0623] The device periodically notifies the user of income and expenditure status and budget information. For example, at the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. Based on this report, the user can enter new budget settings and financial goals, which the device then sends to the server, updating the next month's budget.

[0624] Examples of concrete examples and prompts

[0625] Examples:

[0626] Credit card spending data used by users for lunch is automatically collected through a bank API and classified into the "food expenses" category.

[0627] At the end of the month, all spending data is analyzed, a budget proposal is generated to reduce the number of times people eat out, and the user is notified.

[0628] At the end of the fiscal year, income tax returns are automatically generated based on all data and saved in cloud storage.

[0629] Example prompts to input to the generative AI model:

[0630] "Ask My Finance Tracker: What's your income and expenses this month?"

[0631] "Ask My Finance Tracker: Generate a budget for the next month."

[0632] This allows users to manage income and expenditure data in real time, enabling them to manage their household finances and file tax returns efficiently and accurately.

[0633] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0634] Step 1:

[0635] The terminal collects data related to the user's income, expenses, and savings. As input, it is given receipt images, voice input, and transaction information from the bank's API. It uses OCR technology to extract text data from receipt images, speech recognition technology to convert voice input into text, and utilizes the bank's API to obtain transaction data in real time. As output, the collected raw data is ready to be stored in a database.

[0636] Step 2:

[0637] The terminal sends the collected data to the server. As input, the collected data obtained in the previous step is given. The data is encrypted and transmitted using a secure communication protocol. As output, the data is stored in a database.

[0638] Step 3:

[0639] The server stores the received data in a database. As input, it receives the collected data sent by the terminals. The data is classified for each user and stored in the appropriate tables. As output, the retained data is available for subsequent analysis steps.

[0640] Step 4:

[0641] The server analyzes the stored data. As input, it receives the income and expenditure data stored in the database. It uses a deep learning model (TensorFlow) to analyze monthly and yearly expenditure and income patterns. As output, it obtains the analysis results.

[0642] Step 5:

[0643] The server creates a budget proposal for the next month based on the analysis results. As input, the user's financial data and the analysis results of their spending patterns are given. The budget proposal is automatically created according to their priorities and financial goals. As output, the budget proposal is generated and notified to the user.

[0644] Step 6:

[0645] The terminal notifies the user of the generated budget proposal. As input, the budget proposal data sent from the server is given. The notification is made through the smartphone's notification function. As output, information on whether the user has confirmed the budget proposal and approved or modified it is collected.

[0646] Step 7:

[0647] The server automatically generates tax documents at the end of the fiscal year. As input, it receives income and expenditure data for the entire period and the latest tax law information. In the automatic generation process, it organizes income, expenditure, and deduction information based on the latest tax law and generates an income tax return. As output, it receives the generated tax document.

[0648] Step 8:

[0649] The terminal notifies the user of the generated tax document and asks for confirmation. As input, the tax document data sent from the server is given. A notification is sent to the user's terminal, the user confirms the document and submits the income tax return with one click. As output, the confirmed tax document is submitted.

[0650] Step 9:

[0651] The terminal responds to periodic inquiries from the user. As input, it receives prompts that the user sends to the generative AI model (e.g., "Please tell me this month's income and expenditure situation" or "Please generate a budget proposal for next month.") As output, it displays the answers generated by the AI ​​model.

[0652] 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.

[0653] MODE FOR CARRYING OUT THE INVENTION

[0654] This invention is a system that collects and analyzes income, expenditure, and savings data to automatically create budgets and prepare income tax returns, effectively supporting household management for individuals and self-employed individuals. Furthermore, by combining it with an emotion engine that recognizes the user's emotional state, it can provide more personalized spending suggestions and budget creation. This system works in conjunction with the user's smart device and operates through the following steps:

[0655] Data Entry and Collection

[0656] The terminal connects to smart devices (smartphones and smartwatches) and collects data on the user's income, expenses, and savings. For example, by taking a photo of a restaurant receipt, OCR technology is used to extract the text data (restaurant name, date, amount, etc.) from the receipt. Furthermore, when the user verbally commands, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," voice recognition technology is used to convert this into text and generate income and expense data. Furthermore, bank APIs are used to obtain transaction information from the user's bank account in real time, and income and expenditure data is managed centrally.

[0657] Emotion engine included

[0658] The emotion engine analyzes the user's voice input, facial expressions, and tone of voice during interactions to detect the user's emotional state in real time. For example, when a user enters income or expenses, the emotion engine detects stress or happiness. The emotion engine also analyzes the correlation between the user's previously entered data and their emotional state, learning the user's emotional patterns.

[0659] Data storage and analysis

[0660] The server stores the collected data in a database. The collected data includes details such as date, time, category, amount, and emotional state. The data is then categorized by transaction category (food, housing, transportation, etc.) and monthly and annual spending and income patterns are analyzed. This analysis allows the user's spending habits and income fluctuations to be identified, and the correlation with emotional state is further analyzed.

[0661] Budgeting and spending optimization

[0662] The server then uses the analysis results to automatically create the next month's budget in accordance with the user's priorities and financial goals. For example, if the user is trying to save money, it will suggest eating out less. Furthermore, the emotion engine detects the user's emotional state and adjusts the budget and spending optimization suggestions accordingly. For example, if the user is judged to be prone to stress, it will suggest reasonable savings.

[0663] Generate required tax documents

[0664] At the end of the fiscal year, the server aggregates all income and expenditure data. It generates the necessary tax documents based on the income, expenses, and deduction information. For example, it creates an income tax return based on the latest tax laws, taking into account the income, expenses, and deduction information. The created document is electronically stored in cloud storage and notified to the user. After reviewing it, the user can submit the income tax return with one click. The emotion engine monitors the user's emotional state during the filing process and sends notifications and alerts to reduce stress levels.

[0665] User Notification and Interaction

[0666] The device periodically notifies the user of income and expenditure status and budget information. For example, at the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. The user inputs new budget settings and financial goals based on this report, and the device sends it to the server, updating the budget for the next month. The emotion engine analyzes the user's emotional state during these notifications and interactions in real time and provides appropriate feedback.

[0667] The above is a specific embodiment for implementing the present invention. This system allows users to efficiently and accurately manage their income and expenditures, reducing the burden of filing income tax returns. Using the present invention improves the accuracy of household management and enables support that is sensitive to the user's emotions.

[0668] The processing flow will be explained below.

[0669] Program processing flow

[0670] Data Entry and Collection

[0671] Step 1:

[0672] A user takes a photo of a restaurant receipt with their smartphone.

[0673] The device sends the captured image to an OCR module, which extracts text data (restaurant name, date, price, etc.).

[0674] Step 2:

[0675] The user commands verbally, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[0676] The device uses voice recognition technology to convert speech into text and generate income and expenditure data.

[0677] Step 3:

[0678] The terminal periodically retrieves transaction information from the user's bank account via the bank API.

[0679] The server analyzes the captured transaction information and categorizes the income and expenditure data.

[0680] Step 4:

[0681] When a user performs voice input or data input, the device's emotion engine analyzes the user's tone of voice and facial expressions to detect the user's emotional state.

[0682] Step 5:

[0683] The device sends all collected data to a server and stores it.

[0684] Data storage and analysis

[0685] Step 6:

[0686] The server stores the data in a database, including details such as date, time, category, amount, and emotional state.

[0687] Step 7:

[0688] The server categorizes the stored data by category (food, housing, transportation, etc.).

[0689] Step 8:

[0690] The server analyzes the data to understand monthly and yearly spending and income patterns, as well as emotional states, and analyzes the correlation between the user's spending habits and income fluctuations and their emotions.

[0691] Budgeting and spending optimization

[0692] Step 9:

[0693] The server then uses the analysis to create a budget based on the user's priorities and financial goals. For example, if the user is trying to save money, it will suggest eating out less.

[0694] Step 10:

[0695] The emotion engine detects the user's emotional state and adjusts budget and spending optimization suggestions based on that. For example, if the user is judged to be prone to stress, it will suggest reasonable savings.

[0696] Step 11:

[0697] The terminal notifies the user of the created budget and asks them to confirm the proposed content. If the user accepts the proposal, the budget is finalized.

[0698] Generate required tax documents

[0699] Step 12:

[0700] At the end of the fiscal year, the server aggregates all income and expenditure data and generates the necessary tax forms based on income, expenses, and deductions.

[0701] Step 13:

[0702] The server automatically prepares income tax returns based on the latest tax laws.

[0703] Step 14:

[0704] The generated documents are stored in cloud storage and a notification is sent to the device, allowing the user to receive the notification, review the documents, and then file their income tax return with one click.

[0705] Step 15:

[0706] The emotion engine monitors the user's emotional state during the claim process and sends notifications and alerts to reduce stress levels.

[0707] User Notification and Interaction

[0708] Step 16:

[0709] At the beginning of each month, the server generates a report based on the previous month's income and expenditure data.

[0710] Step 17:

[0711] The terminal notifies the user of the generated report, which the user then confirms.

[0712] Step 18:

[0713] Users can input new budget settings and financial goals based on the report, and the device will send this to the server to update the budget for the next month. The emotion engine analyzes the user's emotional state during these notifications and interactions in real time and provides appropriate feedback.

[0714] These are the specific programming steps for the system that combines the household management assistant app and emotion engine. This system enables users to efficiently and accurately manage their income and expenses and file income tax returns, and also provides support that is sensitive to the user's emotions.

[0715] Example 2

[0716] 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."

[0717] Traditional household management systems rely on manual input to collect income and expenditure data, placing a heavy burden on users. Furthermore, they lack automation for budgeting and income tax returns, and are unable to provide spending suggestions or optimization that take into account the user's emotional state, limiting the efficiency and effectiveness of household management. Furthermore, many systems fail to incorporate the user's emotional state, which means they are unable to reduce the psychological burden on users.

[0718] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[0719] In this invention, the server includes means for collecting income, expenditure, and savings data in cooperation with the user's smart device, means for analyzing images of receipts and invoices using optical character recognition technology and extracting text data, means for analyzing voice input using voice recognition technology and generating income and expenditure data, means for acquiring account transaction data using financial institution APIs, means for storing and analyzing the acquired data, means for analyzing the user's emotional state and learning emotional patterns, means for automatically creating a budget based on the user's priorities and financial goals, means for generating necessary tax documents and automating income tax returns, and means for sending notifications to the user. This enables the automatic collection and analysis of income and expenditure data, budget creation and expenditure optimization taking into account the user's emotional state, and the automation of income tax returns, thereby reducing the user's burden and enabling more effective household management.

[0720] "User's smart device" refers to a portable electronic device that a user uses on a daily basis, such as a smartphone or smartwatch.

[0721] "Income, expenditure, and savings data" refers to information about a user's income, expenditure, and savings.

[0722] Optical character recognition (OCR) is a technology that extracts text information from an image.

[0723] "Speech recognition technology" is a technology that converts speech into text.

[0724] A "Financial Institution API" is an application program interface provided by financial institutions for obtaining bank account transaction information.

[0725] The "emotion engine" is a technology that analyzes a user's emotional state from their tone of voice, facial expressions, etc.

[0726] "Emotional state" refers to the psychological state, such as stress or happiness, that a user feels.

[0727] An "emotional pattern" is the fluctuation or tendency of a user's emotions under a specific situation.

[0728] "Financial Goals" are savings and spending goals set by the user.

[0729] "Automatic budget creation" is the process of automatically generating the next month's budget based on collected and analyzed data.

[0730] "Tax documents" are official documents required for filing income tax returns, etc.

[0731] "Income tax return automation" refers to the automatic creation of income tax return documents based on collected income and expenditure data, and the automation of the process leading up to submission.

[0732] "Notification sending means" refers to the method or technology for notifying users of important information.

[0733] MODE FOR CARRYING OUT THE INVENTION

[0734] This invention is a system that effectively supports household management for individuals and self-employed individuals. This system collects and analyzes income, expenditure, and savings data, and automatically creates budgets and prepares income tax returns. Furthermore, by incorporating an emotion engine, the system recognizes the user's emotional state and provides more personalized spending suggestions and budget creation.

[0735] Data Entry and Collection

[0736] The terminal connects to smart devices such as smartphones and smartwatches to collect the user's income, expenditure, and savings data. For example, when a user takes a photo of a restaurant receipt with their smartphone, the terminal uses optical character recognition (OCR) technology to extract the receipt's text data (restaurant name, date, amount, etc.). Furthermore, when the user verbally commands, such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the terminal uses voice recognition technology to convert this into text and generate income and expenditure data. Furthermore, the server obtains transaction information from the user's bank account in real time via financial institution APIs and centrally manages income and expenditure data.

[0737] Emotion engine included

[0738] The emotion engine analyzes the user's voice input, facial expressions, and tone of voice during interactions to detect the user's emotional state in real time. For example, when a user enters income or expenses, the emotion engine detects the user's stress or happiness. The server compares the collected emotion data with past data and learns the user's emotional patterns.

[0739] Data storage and analysis

[0740] The collected data is stored in a database on the server. The stored data includes detailed information such as date, time, category, amount, and emotional state. The server then classifies each transaction by category (food, housing, transportation, etc.) and analyzes monthly and annual income and expenditure patterns. This allows the system to understand the user's spending habits and income fluctuations and analyze their correlation with emotional state.

[0741] Budgeting and spending optimization

[0742] The server then uses the analysis results to automatically create the next month's budget based on the user's priorities and financial goals. For example, if the user is trying to save money, the server will suggest eating out less. Furthermore, the server adjusts budget proposals and spending optimization suggestions based on the user's emotional state, as detected by the emotion engine. For example, if the server determines that the user is prone to stress, it will suggest reasonable savings.

[0743] Generate required tax documents

[0744] At the end of the fiscal year, the server aggregates all income and expenditure data. It then creates the necessary tax documents based on the income, expenses, and deduction information. For example, it creates an income tax return based on the latest tax laws, taking into account the income, expenses, and deduction information. The created documents are electronically stored in cloud storage and notified to the user. After reviewing them, the user can submit the income tax return with one click. The emotion engine monitors the user's emotional state during the filing process and sends notifications and alerts to reduce stress levels.

[0745] User Notification and Interaction

[0746] The device periodically notifies the user of income and expenditure status and budget information. At the beginning of each month, the device generates a report of the previous month's spending and savings status and sends it to the user. The user can then input new budget settings and financial goals based on this report, which the device then sends to the server. The server updates the information in the database, and the next month's budget is automatically updated. The emotion engine analyzes the user's emotional state in real time during notifications and interactions and provides appropriate feedback.

[0747] Examples of concrete examples and prompts

[0748] Data entry and collection: The user takes a photo of a restaurant receipt with their smartphone, and OCR technology extracts the following data: "Restaurant name: XX Restaurant, Date: 2023 / 10 / 06, Amount: 5,000 yen."

[0749] Equipped with an emotion engine: When the user is making voice input, the emotion engine determines that "the user is feeling somewhat stressed" and records it.

[0750] Budgeting: The server sends a message saying, "I've created a budget proposal for next month. It suggests reducing dining out expenses by 20%."

[0751] Example prompt sentence:

[0752] Data entry prompt: "Please enter your income and expense data. Example: Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[0753] Emotion Engine prompt: "Please enter your income and expenses data. Also tell us about your feelings of stress and happiness."

[0754] The above is a specific embodiment for carrying out the present invention. By using this system, users can efficiently and accurately manage their income and expenditures, thereby improving their quality of life.

[0755] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0756] Step 1:

[0757] Data Entry and Collection

[0758] Input: Input income, expenditure and savings data via smart devices.

[0759] How it works: The device takes an image of a receipt taken by the user with their smartphone and extracts text data using optical character recognition (OCR). When the user verbally commands, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the device converts the voice data into text using voice recognition technology. Furthermore, the device uses financial institution APIs to obtain bank account transaction information in real time.

[0760] Output: Extracted text data, text data generated from voice input, and real-time transaction information are generated.

[0761] Step 2:

[0762] Emotion recognition by emotion engine

[0763] Input: User voice input, facial expressions, and tone of voice.

[0764] How it works: The emotion engine analyzes voice input, facial expressions, and tone of voice during interactions to detect the user's emotional state in real time. It also analyzes correlations between past input data and emotional states to learn emotional patterns.

[0765] Output: User's emotional state data.

[0766] Step 3:

[0767] Data storage and analysis

[0768] Inputs: extracted text data, text data generated from voice input, real-time transaction information, emotional state data.

[0769] How it works: The server stores the collected data in a database, including details such as date, time, category, amount, and emotional state. The server then categorizes the transaction data into categories and analyzes monthly and yearly patterns of income and expenditure.

[0770] Output: Transaction data categorized by category, monthly and yearly income and expenditure pattern analysis.

[0771] Step 4:

[0772] Budgeting and spending optimization

[0773] Input: Income and expenditure pattern analysis results, emotional state data.

[0774] How it works: The server automatically creates a budget for the next month based on the user's priorities and financial goals, based on the analysis of income and expenditure patterns and the user's emotional state. For example, if the user is trying to save money, the server will suggest reducing the number of times they eat out. Also, if the emotion engine detects the user's stress level, the server will suggest reasonable savings.

[0775] Output: Auto-generated budget proposal for the next month, with spending optimization suggestions.

[0776] Step 5:

[0777] Generate required tax documents

[0778] Input: Income and expenditure data, deduction information, and income and expenditure pattern analysis results.

[0779] How it works: At the end of the fiscal year, the server aggregates all income and expenditure data. It then automatically generates an income tax return based on the latest tax laws, taking into account income, expenses, and deduction information. This document is stored in cloud storage and notified to the user. After reviewing it, the user can submit the income tax return with one click. The emotion engine monitors the user's emotional state during the filing process and sends notifications and alerts to reduce stress levels.

[0780] Output: Prepared income tax return, notification of filing to user.

[0781] Step 6:

[0782] User Notification and Interaction

[0783] Inputs: latest income and expenditure data, budget proposals, spending optimization suggestions, and user emotional state data.

[0784] How it works: The device periodically sends notifications to the user containing the latest income and expenditure data, budget proposals, and spending optimization suggestions. At the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. The user can then enter new budget settings and financial goals based on this report, which the device then sends to the server. The emotion engine analyzes the user's emotional state in real time during notifications and interactions and provides appropriate feedback.

[0785] Output: User status notifications, reports, and feedback.

[0786] The above is the specific flow of the system's program processing.

[0787] (Application example 2)

[0788] 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."

[0789] In modern life, many individuals and self-employed individuals spend a great deal of time and effort managing their income and expenditures, preparing budgets, and filing income taxes. To solve this problem, a system is needed that can efficiently and accurately collect and analyze income and expenditure data and provide appropriate budget and spending suggestions based on the user's emotional state. However, current systems lack emotion analysis capabilities, making it difficult to provide spending suggestions and budget adjustments that take the user's mental state into account. Furthermore, these systems often cannot effectively utilize voice or image data, requiring manual data entry. Therefore, achieving both efficient income and expenditure management and personalized support is a challenge.

[0790] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes: means for collecting income, expenditure, and savings data in cooperation with the user's information terminal; means for analyzing receipt images using optical character recognition technology and extracting text data; means for analyzing voice input using voice recognition technology and generating income and expenditure data; means for acquiring account transaction data using a financial institution API; means for storing and analyzing the acquired data; means for automatically creating a budget based on the user's priorities and financial goals; means for generating necessary tax documents and automating income tax returns; means for combining an emotion engine that analyzes the user's tone of voice and facial expressions to detect their emotional state; means for adjusting budget proposals and spending suggestions based on the user's emotional state; and means for sending notifications to the user. This enables efficient and accurate income and expenditure management while taking the user's mental state into consideration, and enables the automation of budget creation and tax document preparation.

[0791] "Information terminal" refers to a user's portable electronic device such as a smartphone or tablet.

[0792] "Optical character recognition technology" is a technology that extracts text information from image data.

[0793] "Voice recognition technology" is a technology that analyzes voice and converts it into text data.

[0794] A "financial institution API" is an application program interface that works in conjunction with financial institution systems to obtain account transaction information.

[0795] The "Emotion Engine" is a technology that detects the user's emotional state through voice tone and facial expression analysis.

[0796] "Automatic Budgeting" is the process of automatically generating a budget based on a user's income and expenditure data and priorities.

[0797] "Tax document automation" is the process of automatically generating required tax documents based on income and expenditure data and tax laws.

[0798] "Contact sending" refers to the act of sending notifications or important information to users.

[0799] MODE FOR CARRYING OUT THE INVENTION

[0800] An embodiment of the present invention will now be described. In this system, a user's information terminal and a server work in cooperation with each other.

[0801] Hardware and Software Configuration

[0802] Hardware

[0803] Information terminals: smartphones, tablets, etc.

[0804] Input devices: microphone, camera

[0805] software

[0806] Speech recognition technology: SpeechRecognition library

[0807] Optical character recognition technology: OpenCV, pytesseract library

[0808] Emotion Engine: TextBlob Library

[0809] Database: Database connection using SQLAlchemy

[0810] System Operation

[0811] 1. Data collection

[0812] The information terminal collects the user's income, expenditure, and savings data. For example, when a user takes a photo of a receipt they received when eating out with the terminal's camera, optical character recognition technology extracts text data from the receipt. Also, using voice recognition technology, if the user says by voice, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," this voice is converted into text data and income and expenditure data is automatically generated.

[0813] 2. Data analysis and storage

[0814] The server uses the financial institution's API to obtain user account transaction data and stores this data (voice recognition data, optical character recognition data, and financial institution API data) in a centralized database. The data is categorized based on date, time, category, and amount.

[0815] 3. Operation of the Emotion Engine

[0816] The information terminal analyzes the user's tone of voice and facial expressions to detect their emotional state. For example, it can analyze stress, happiness, and other emotions in real time from the tone of voice when the user makes a voice input, and saves the results in a database. This makes it possible to analyze the correlation between the user's emotional state and income and expenditure data.

[0817] 4. Automatic budget creation

[0818] Based on the collected and analyzed data, the server automatically creates a budget tailored to the user's priorities and financial goals. For example, if the user is trying to save money, the system will suggest reducing the number of times they eat out.

[0819] 5. Generate tax documents

[0820] At the end of the fiscal year, the server compiles all income and expenditure data and automatically generates the necessary tax forms based on the latest tax laws, which users can then review and file their income tax returns electronically.

[0821] 6. User Notification and Interaction

[0822] The information terminal periodically notifies the user of information about income and expenditure status and budget. For example, at the beginning of each month, it generates a report of the previous month's expenditure and savings status and sends it to the user. Based on this report, the user can input new budget settings and financial goals, which are sent to the server and the budget for the next month is updated.

[0823] Prompt Sentence Examples

[0824] For example, the following prompt sentence is used to give a voice instruction such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[0825] Today's income was 50,000 yen, and I spent 10,000 yen on expenses.

[0826] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0827] Step 1:

[0828] The user inputs data using an information terminal. The user takes a photo of the receipt with a camera or inputs data by voice. The input image data of the receipt is converted into text data using optical character recognition technology. Voice input is converted into text data using voice recognition technology. In this way, image files and voice files are obtained as input data and text data is generated.

[0829] Step 2:

[0830] The terminal sends the generated text data to the server. The server uses the financial institution's API to obtain the user's account transaction data. This transaction information is collected in real time and organized together with the text data. Speech recognition text data, optical character recognition text data, and financial institution API data are obtained as input data sent from the user or terminal, and each is collected.

[0831] Step 3:

[0832] The server stores the collected data in a database. The data is categorized by date, time, category, amount, etc. At this stage, the emotion engine operates, analyzing the user's emotional state from their tone of voice and facial expressions to generate emotion data. This assigns emotion data to the stored data.

[0833] Step 4:

[0834] The server analyzes the stored data to understand the user's spending and income patterns. Based on the analysis results, it automatically creates a budget that matches the user's priorities and financial goals. The emotion analysis data from the emotion engine is also taken into account to generate a flexible budget proposal that matches the user's emotional state. This results in a budget proposal that takes into account spending and income patterns.

[0835] Step 5:

[0836] At the end of the fiscal year, the server aggregates all income and expenditure data and automatically generates the necessary tax forms based on the latest tax laws. Users can review these documents and submit them on the cloud. At specific times, tax forms are generated based on the aggregated data and notified to the user.

[0837] Step 6:

[0838] The device periodically notifies the user of information about income and expenditure status and budget. For example, at the beginning of each month, it generates a report of the previous month's expenditures and savings status and sends it to the user. The user can then input new budget settings and financial goals based on this report, and the device will send the new data to the server, updating the budget for the next month. This completes the regular income and expenditure reporting and budget update process.

[0839] 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.

[0840] 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.

[0841] 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.

[0842] [Third embodiment]

[0843] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[0844] 5, the data processing system 310 includes the data processing device 12 and a headset terminal 314. An example of the data processing device 12 is a server.

[0845] 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).

[0846] 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.

[0847] 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.

[0848] 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).

[0849] 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.

[0850] 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.

[0851] 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.

[0852] 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.

[0853] 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.

[0854] 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."

[0855] MODE FOR CARRYING OUT THE INVENTION

[0856] The present invention is a system that collects and analyzes income, expenditure, and savings data to automatically create budgets and file income tax returns, in order to effectively support household management for individuals and self-employed individuals. This system works in conjunction with the user's smart device and operates through the following steps:

[0857] Data Entry and Collection

[0858] The terminal connects to smart devices (smartphones and smartwatches) and collects data on the user's income, expenses, and savings. For example, by taking a photo of a restaurant receipt, OCR technology is used to extract the text data (restaurant name, date, amount, etc.) from the receipt. Furthermore, when the user verbally commands, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," voice recognition technology is used to convert this into text and generate income and expense data. Furthermore, bank APIs are used to obtain transaction information from the user's bank account in real time, and income and expenditure data is managed centrally.

[0859] Data storage and analysis

[0860] The server stores the collected data in a database. For example, data obtained from OCR, voice recognition, and bank APIs is stored as income and expenditure data and organized for each user. The data is then classified by transaction category (food, housing, transportation, etc.) and monthly and annual expenditure and income patterns are analyzed. This analysis makes it possible to understand the user's spending trends and income fluctuations.

[0861] Budgeting and spending optimization

[0862] The server then automatically creates a budget for the next month based on the analysis results, according to the user's priorities and financial goals. For example, if a user is trying to save money, it can suggest reducing the number of times they eat out. The budget proposal is notified to the user via their device and is finalized after the user's approval.

[0863] Generate required tax documents

[0864] At the end of the fiscal year, the server automatically generates tax documents based on all the acquired and analyzed income and expenditure data. For example, it creates an income tax return based on the latest tax laws, taking into account income, expenses, and deduction information. The created documents are electronically stored in cloud storage and notified to the user. After reviewing the documents, the user can submit the income tax return with one click.

[0865] User Notification and Interaction

[0866] The device periodically notifies the user of income and expenditure status and budget information. For example, at the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. Based on this report, the user can enter new budget settings and financial goals, which the device then sends to the server, updating the budget for the next month.

[0867] The above is a specific embodiment for carrying out the present invention. This system allows users to efficiently and accurately manage their income and expenditures, reducing the burden of filing income tax returns. By using the present invention, the accuracy of household management can be improved, and it is possible to support lifestyle planning with a comfortable lifestyle.

[0868] The processing flow will be explained below.

[0869] Program processing flow

[0870] Data Entry and Collection

[0871] Step 1:

[0872] A user takes a photo of a restaurant receipt with their smartphone.

[0873] The device sends the captured image to an OCR module, which extracts text data (restaurant name, date, price, etc.).

[0874] Step 2:

[0875] The user commands verbally, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[0876] The device uses voice recognition technology to convert speech into text and generate income and expenditure data.

[0877] Step 3:

[0878] The terminal periodically retrieves transaction information from the user's bank account via the bank API.

[0879] The server analyzes the captured transaction information and categorizes the income and expenditure data.

[0880] Step 4:

[0881] The device sends all collected data to a server and stores it.

[0882] Data storage and analysis

[0883] Step 5:

[0884] The server stores the transmitted data in a database.

[0885] The data collected includes details such as date, time, category, and amount.

[0886] Step 6:

[0887] The server categorizes the stored data by category (food, housing, transportation, etc.).

[0888] Step 7:

[0889] The server analyzes the data to understand monthly and yearly spending and income patterns.

[0890] Based on the analysis results, the user's spending trends and income fluctuations are analyzed.

[0891] Budgeting and spending optimization

[0892] Step 8:

[0893] The server uses the analysis to create a budget based on the user's priorities and financial goals.

[0894] For example, if a user is trying to save money, the app will suggest eating out less often.

[0895] Step 9:

[0896] The device will then notify the user of the budget that has been created and confirm the proposal.

[0897] The user accepts the proposal and the budget for the next month is finalized.

[0898] Generate required tax documents

[0899] Step 10:

[0900] At the end of the fiscal year, the server aggregates all income and expenditure data.

[0901] Generate the necessary tax forms based on your income, expenses, and deductions.

[0902] Step 11:

[0903] The server automatically prepares income tax returns based on the latest tax laws.

[0904] Step 12:

[0905] The generated document is saved in cloud storage and a notification is sent to your device.

[0906] Users receive a notification, check their documents, and then file their income tax return with one click.

[0907] User Notification and Interaction

[0908] Step 13:

[0909] At the beginning of each month, the server generates a report based on the previous month's income and expenditure data.

[0910] Step 14:

[0911] The terminal notifies the user of the generated report, which the user then confirms.

[0912] Step 15:

[0913] Users input new budgets and financial goals based on the reports.

[0914] The terminal sends this to the server and updates the budget for the next month.

[0915] These are the specific steps of the program process for the household management assistant app, which allows users to efficiently and accurately manage their income and expenditures and file income tax returns.

[0916] Example 1

[0917] 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."

[0918] The challenge for individuals and self-employed individuals is to efficiently manage income, expenditure, and savings data, and automate budgeting and income tax returns. Traditional methods require manual data entry and classification, which is time-consuming and labor-intensive. Furthermore, errors and data omissions are likely to occur, making accurate household management and tax processing difficult.

[0919] 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.

[0920] In this invention, the server includes means for collecting income, expenditure, and savings data in cooperation with the user's electronic device, means for analyzing images of receipts and invoices using character recognition technology to extract text data, and means for analyzing voice input using voice recognition technology to generate income and expenditure data. This allows individuals and sole proprietors to automatically manage their household finances, prevent input errors and data omissions, and enable accurate budgeting and income tax filing.

[0921] "User" refers to an individual or sole proprietor who uses this system.

[0922] "Electronic device" refers to devices capable of data entry and communication, including smart devices such as smartphones and smartwatches.

[0923] "Income, Expense, and Savings Data" means data about the income earned, expenses incurred, and savings of a User.

[0924] "Character recognition technology" is a technology that extracts character information from image data and converts it into text data.

[0925] "Speech recognition technology" is a technology that converts voice data into text data.

[0926] "Financial Interface" refers to an API or other interface for obtaining transaction information from a user's financial institution.

[0927] "Database" refers to storage devices and management software for storing and managing collected data.

[0928] "Data analytics" refers to the process of using stored data to analyze patterns and trends in income and expenditure.

[0929] "Automatic budget creation" refers to the process of automatically creating the next month's income and expenditure plan based on the analysis results.

[0930] "Tax documents" refers to documents necessary for tax processing, such as income tax returns.

[0931] "Notifications" refers to messages that inform users of information such as income and expenditure status, budget proposals, tax documents, etc.

[0932] This invention relates to a system that works in conjunction with a user's electronic device to effectively manage income, expenditure, and savings data, and automate budget creation and income tax returns. A specific method for implementing this system will be described below.

[0933] Data Entry and Collection

[0934] A user uses an electronic device such as a smartphone or smartwatch. For example, if a user takes a photo of a restaurant receipt after eating out, the device captures the image. The device then uses OCR (Optical Character Recognition) technology to extract the text data from the receipt (restaurant name, date, amount, etc.). Furthermore, if the user issues a voice command such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the device uses voice recognition technology to convert this into text and generate income and expenditure data. The device also uses bank APIs to obtain transaction information from the user's account in real time and centrally manages income and expenditure data.

[0935] Data storage and analysis

[0936] All collected data is sent from the device to a server, which stores the received data in a database. The stored data is categorized by transaction category (food, housing, transportation, etc.). The server then analyzes monthly and annual spending and income patterns to understand the user's spending habits and income fluctuations.

[0937] Budgeting and spending optimization

[0938] Based on the analysis results, the server automatically creates a budget proposal for the next month based on the user's priorities and financial goals. For example, a user who is trying to save money may be suggested to "eat out less." This budget proposal is notified to the user via their device, and the user can accept or modify it.

[0939] Generate required tax documents

[0940] At the end of the fiscal year, the server automatically generates an income tax return based on all income and expenditure data, complying with the latest tax laws. This includes information on income, expenses, and deductions. The generated tax documents are stored in cloud storage and notified to the user via their device. The user can review the documents and submit the income tax return with one click.

[0941] User Notification and Interaction

[0942] The device periodically notifies the user of income and expenditure status and budget information. For example, on the first day of each month, it generates a report of the previous month's spending and savings status and sends it to the user. Based on this report, the user can enter new budget settings and financial goals, and the device will send them to the server to update the next month's budget.

[0943] Examples of concrete examples and prompts

[0944] As a concrete example, suppose a user dine out and takes a photo of a receipt from "Restaurant A." The device uses OCR technology to extract text data such as "Aaaaa, October 15, 2023, 5,000 yen." The device then sends this data to a server, which classifies it as "food expenses." At the end of the month, the server analyzes all the data and creates a budget proposal of "food expenses: 20,000 yen." This budget proposal is notified to the user via the device, who can review and approve it.

[0945] An example prompt might look like this:

[0946] "When you incur a lot of expenses on a business trip and want to enter the cost of a meal at a restaurant from a receipt"

[0947] "The process of inputting monthly income, expenses, and savings goals to create a budget."

[0948] "The process of generating and submitting income tax returns based on all income and expenditure data at the end of the fiscal year."

[0949] The above is a specific embodiment of the present invention. This system enables users to efficiently manage their income and expenditures and reduce the burden of filing income tax returns.

[0950] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0951] Step 1: Enter your data

[0952] 1.1. The user takes a photo of the receipt using an electronic device such as a smartphone or smartwatch.

[0953] 1.2. Input: Image data of receipt.

[0954] 1.3. The device captures the image and uses OCR technology to extract text data (restaurant name, date, price, etc.).

[0955] 1.4. Data processing: Image data -> text data.

[0956] 1.5. Output: Structured text data (e.g., "Restaurant A, October 15, 2023, 5,000 yen").

[0957] Step 2: Processing voice input

[0958] 2.1. The user issues a voice command such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[0959] 2.2. Input: Audio data.

[0960] 2.3. The device receives voice input and converts it into text data using voice recognition technology.

[0961] 2.4. Data processing: Audio data -> Text data.

[0962] 2.5. Output: Income and expenditure data (e.g., "Income: 50,000 yen, Expense: 10,000 yen").

[0963] Step 3: Get your banking information

[0964] 3.1. The terminal periodically calls the bank API to obtain transaction information from the user's bank account.

[0965] 3.2. Input: Bank API query.

[0966] 3.3. Data processing: API response -> Income and expenditure data.

[0967] 3.4. Output: Real-time transaction information data.

[0968] Step 4: Save your data

[0969] 4.1. The device sends all collected data (OCR data, voice recognition data, bank transaction data) to the server.

[0970] 4.2. Input: Data sent from the terminal.

[0971] 4.3. The server stores the received data in a database.

[0972] 4.4. Data processing: Unorganized data -> Structured income and expenditure data.

[0973] 4.5. Output: Balance data in the database.

[0974] Step 5: Analyze the data

[0975] 5.1. The server categorizes the stored data into transaction categories (food, housing, transportation, etc.).

[0976] 5.2. Input: Database income and expenditure data.

[0977] 5.3. The server will analyze monthly and annual expenditure and income patterns to understand the User's spending habits and income fluctuations.

[0978] 5.4. Data processing: Income and expenditure data -> expenditure and income patterns.

[0979] 5.5. Output: Expenditure and income pattern data.

[0980] Step 6: Create a budget

[0981] 6.1. Based on the analysis results, the server will automatically create a budget for the next month based on the user's priorities and financial goals.

[0982] 6.2. Input: Expenditure and income pattern data.

[0983] 6.3. Data processing: Analysis data -> Budget proposal data.

[0984] 6.4. Output: Next month's budget proposal data.

[0985] Step 7: User notification and confirmation

[0986] 7.1. The server sends the budget proposal to the terminal.

[0987] 7.2. Input: Next month's budget proposal data.

[0988] 7.3. The terminal will notify the user of the budget proposal.

[0989] 7.4. The User will review the notification and accept or amend the budget proposal.

[0990] 7.5. Output: User's confirmed or revised budget proposal.

[0991] Step 8: Generate tax documents

[0992] 8.1. At the end of the fiscal year, the server will automatically generate an income tax return based on all income and expenditure data.

[0993] 8.2. Input: Annual income and expenditure data.

[0994] 8.3. Data processing: Income and expenditure data -> Income tax return data.

[0995] 8.4. Output: Generated income tax return data.

[0996] Step 9: User Notification and Submission

[0997] 9.1. The server stores the generated tax documents in cloud storage.

[0998] 9.2. The server sends a notification of completion of tax document generation to the terminal.

[0999] 9.3. Input: Generated income tax return data.

[1000] 9.4. The device sends notifications to the user.

[1001] 9.5. The User can review the notification and submit the income tax return with one click.

[1002] 9.6. Output: Filed income tax return.

[1003] (Application example 1)

[1004] 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."

[1005] Conventional household management systems require a lot of time and effort to collect and analyze income and expenditure data, create budgets, and generate tax documents, placing a significant burden on individuals and sole proprietors. Furthermore, as electronic payments become more widespread, there is a need for real-time management and analysis of transaction data, but current systems make it difficult to do this efficiently. Furthermore, categorizing each transaction and understanding income and expenditure patterns is often done manually, which can lead to a lack of accuracy.

[1006] 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.

[1007] In this invention, the server includes means for collecting income, expenditure, and savings data in cooperation with the user's information terminal, means for analyzing images of receipts and invoices using character recognition technology to extract text data, means for analyzing voice input using voice recognition technology to generate income and expenditure data, means for acquiring account transaction data using a bank API, means for storing the acquired data in a database and analyzing it, means for automatically creating a budget based on the user's priorities and financial goals, means for generating necessary tax documents and automating income tax returns, means for sending notifications to the user, means for collecting and analyzing electronic payment data acquired in real time, and means for generating budget proposals and tax report documents based on the analysis results, thereby enabling users to manage their income and expenditure data in real time and efficiently and accurately manage their household finances and file tax returns.

[1008] "User's information terminal" refers to an information processing device used by a user, including a smart device.

[1009] "Character recognition technology" is a technology that analyzes character information in an image and converts it into text data.

[1010] "Voice recognition technology" is a technology that analyzes voice input and converts it into text data.

[1011] A "bank API" is an interface that connects with a bank's system and allows account information and transaction data to be obtained via a program.

[1012] A "database" is a system for efficiently storing and managing collected data.

[1013] "Financial Goals" are long-term or short-term financial goals set by a User.

[1014] "Tax documents" are documents required for filing income tax returns and contain information on income, expenses, deductions, etc.

[1015] "Electronic payment data" refers to transaction information conducted via credit cards, mobile payments, etc.

[1016] A "budget proposal" is a future income and expenditure plan created based on income and expenditure data.

[1017] A "report" is a document that compiles information such as analysis results, income and expenditure status, and budget proposals.

[1018] Description: Detailed Description of the Invention

[1019] The system for carrying out this invention is mainly composed of a user's information terminal and a server. A specific embodiment of this system will be described in detail below.

[1020] Data Entry and Collection

[1021] The terminal connects to the user's smart device (e.g., smartphone, smartwatch) and collects income, expenditure, and savings data. For example, by taking a photo of the receipt after paying at a restaurant, OCR technology (such as Tesseract) is used to extract text data (such as the store name, date, and amount). Furthermore, when the user issues a voice command such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the device converts the voice into text using the Google Speech API to generate income and expenditure data. Furthermore, it uses banking APIs (such as Plaid) to obtain real-time transaction information from the user's bank account and centrally manages income and expenditure data.

[1022] Data storage and analysis

[1023] The server stores the collected data in a database (e.g., PostgreSQL). Data obtained from OCR, voice recognition, and bank APIs is stored as income and expenditure data and organized for each user. Next, each transaction is classified by category (e.g., food, housing, transportation, etc.) and monthly and annual expenditure and income patterns are analyzed. This analysis uses a deep learning model (TensorFlow) to accurately identify spending trends and income fluctuations.

[1024] Budgeting and spending optimization

[1025] The server then automatically creates a budget for the next month based on the analysis results, according to the user's priorities and financial goals. For example, a user who is trying to save money can be suggested to reduce the number of times they eat out. The budget proposal is notified to the user via their device and is finalized after the user's approval.

[1026] Generate required tax documents

[1027] At the end of the fiscal year, the server automatically generates tax documents based on all the acquired and analyzed income and expenditure data. For example, it creates an income tax return based on the latest tax laws, taking into account income, expenses, and deduction information. The created documents are electronically stored in cloud storage and notified to the user. After reviewing them, the user can submit their income tax return with one click.

[1028] User Notification and Interaction

[1029] The device periodically notifies the user of income and expenditure status and budget information. For example, at the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. Based on this report, the user can enter new budget settings and financial goals, which the device then sends to the server, updating the next month's budget.

[1030] Examples of concrete examples and prompts

[1031] Examples:

[1032] Credit card spending data used by users for lunch is automatically collected through a bank API and classified into the "food expenses" category.

[1033] At the end of the month, all spending data is analyzed, a budget proposal is generated to reduce the number of times people eat out, and the user is notified.

[1034] At the end of the fiscal year, income tax returns are automatically generated based on all data and saved in cloud storage.

[1035] Example prompts to input to the generative AI model:

[1036] "Ask My Finance Tracker: What's your income and expenses this month?"

[1037] "Ask My Finance Tracker: Generate a budget for the next month."

[1038] This allows users to manage income and expenditure data in real time, enabling them to manage their household finances and file tax returns efficiently and accurately.

[1039] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1040] Step 1:

[1041] The terminal collects data related to the user's income, expenses, and savings. As input, it is given receipt images, voice input, and transaction information from the bank's API. It uses OCR technology to extract text data from receipt images, speech recognition technology to convert voice input into text, and utilizes the bank's API to obtain transaction data in real time. As output, the collected raw data is ready to be stored in a database.

[1042] Step 2:

[1043] The terminal sends the collected data to the server. As input, the collected data obtained in the previous step is given. The data is encrypted and transmitted using a secure communication protocol. As output, the data is stored in a database.

[1044] Step 3:

[1045] The server stores the received data in a database. As input, it receives the collected data sent by the terminals. The data is classified for each user and stored in the appropriate tables. As output, the retained data is available for subsequent analysis steps.

[1046] Step 4:

[1047] The server analyzes the stored data. As input, it receives the income and expenditure data stored in the database. It uses a deep learning model (TensorFlow) to analyze monthly and yearly expenditure and income patterns. As output, it obtains the analysis results.

[1048] Step 5:

[1049] The server creates a budget proposal for the next month based on the analysis results. As input, the user's financial data and the analysis results of their spending patterns are given. The budget proposal is automatically created according to their priorities and financial goals. As output, the budget proposal is generated and notified to the user.

[1050] Step 6:

[1051] The terminal notifies the user of the generated budget proposal. As input, the budget proposal data sent from the server is given. The notification is made through the smartphone's notification function. As output, information on whether the user has confirmed the budget proposal and approved or modified it is collected.

[1052] Step 7:

[1053] The server automatically generates tax documents at the end of the fiscal year. As input, it receives income and expenditure data for the entire period and the latest tax law information. In the automatic generation process, it organizes income, expenditure, and deduction information based on the latest tax law and generates an income tax return. As output, it receives the generated tax document.

[1054] Step 8:

[1055] The terminal notifies the user of the generated tax document and asks for confirmation. As input, the tax document data sent from the server is given. A notification is sent to the user's terminal, the user confirms the document and submits the income tax return with one click. As output, the confirmed tax document is submitted.

[1056] Step 9:

[1057] The terminal responds to periodic inquiries from the user. As input, it receives prompts that the user sends to the generative AI model (e.g., "Please tell me this month's income and expenditure situation" or "Please generate a budget proposal for next month.") As output, it displays the answers generated by the AI ​​model.

[1058] 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.

[1059] MODE FOR CARRYING OUT THE INVENTION

[1060] This invention is a system that collects and analyzes income, expenditure, and savings data to automatically create budgets and prepare income tax returns, effectively supporting household management for individuals and self-employed individuals. Furthermore, by combining it with an emotion engine that recognizes the user's emotional state, it can provide more personalized spending suggestions and budget creation. This system works in conjunction with the user's smart device and operates through the following steps:

[1061] Data Entry and Collection

[1062] The terminal connects to smart devices (smartphones and smartwatches) and collects data on the user's income, expenses, and savings. For example, by taking a photo of a restaurant receipt, OCR technology is used to extract the text data (restaurant name, date, amount, etc.) from the receipt. Furthermore, when the user verbally commands, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," voice recognition technology is used to convert this into text and generate income and expense data. Furthermore, bank APIs are used to obtain transaction information from the user's bank account in real time, and income and expenditure data is managed centrally.

[1063] Emotion engine included

[1064] The emotion engine analyzes the user's voice input, facial expressions, and tone of voice during interactions to detect the user's emotional state in real time. For example, when a user enters income or expenses, the emotion engine detects stress or happiness. The emotion engine also analyzes the correlation between the user's previously entered data and their emotional state, learning the user's emotional patterns.

[1065] Data storage and analysis

[1066] The server stores the collected data in a database. The collected data includes details such as date, time, category, amount, and emotional state. The data is then categorized by transaction category (food, housing, transportation, etc.) and monthly and annual spending and income patterns are analyzed. This analysis allows the user's spending habits and income fluctuations to be identified, and the correlation with emotional state is further analyzed.

[1067] Budgeting and spending optimization

[1068] The server then uses the analysis results to automatically create the next month's budget in accordance with the user's priorities and financial goals. For example, if the user is trying to save money, it will suggest eating out less. Furthermore, the emotion engine detects the user's emotional state and adjusts the budget and spending optimization suggestions accordingly. For example, if the user is judged to be prone to stress, it will suggest reasonable savings.

[1069] Generate required tax documents

[1070] At the end of the fiscal year, the server aggregates all income and expenditure data. It generates the necessary tax documents based on the income, expenses, and deduction information. For example, it creates an income tax return based on the latest tax laws, taking into account the income, expenses, and deduction information. The created document is electronically stored in cloud storage and notified to the user. After reviewing it, the user can submit the income tax return with one click. The emotion engine monitors the user's emotional state during the filing process and sends notifications and alerts to reduce stress levels.

[1071] User Notification and Interaction

[1072] The device periodically notifies the user of income and expenditure status and budget information. For example, at the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. The user inputs new budget settings and financial goals based on this report, and the device sends it to the server, updating the budget for the next month. The emotion engine analyzes the user's emotional state during these notifications and interactions in real time and provides appropriate feedback.

[1073] The above is a specific embodiment for implementing the present invention. This system allows users to efficiently and accurately manage their income and expenditures, reducing the burden of filing income tax returns. Using the present invention improves the accuracy of household management and enables support that is sensitive to the user's emotions.

[1074] The processing flow will be explained below.

[1075] Program processing flow

[1076] Data Entry and Collection

[1077] Step 1:

[1078] A user takes a photo of a restaurant receipt with their smartphone.

[1079] The device sends the captured image to an OCR module, which extracts text data (restaurant name, date, price, etc.).

[1080] Step 2:

[1081] The user commands verbally, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[1082] The device uses voice recognition technology to convert speech into text and generate income and expenditure data.

[1083] Step 3:

[1084] The terminal periodically retrieves transaction information from the user's bank account via the bank API.

[1085] The server analyzes the captured transaction information and categorizes the income and expenditure data.

[1086] Step 4:

[1087] When a user performs voice input or data input, the device's emotion engine analyzes the user's tone of voice and facial expressions to detect the user's emotional state.

[1088] Step 5:

[1089] The device sends all collected data to a server and stores it.

[1090] Data storage and analysis

[1091] Step 6:

[1092] The server stores the data in a database, including details such as date, time, category, amount, and emotional state.

[1093] Step 7:

[1094] The server categorizes the stored data by category (food, housing, transportation, etc.).

[1095] Step 8:

[1096] The server analyzes the data to understand monthly and yearly spending and income patterns, as well as emotional states, and analyzes the correlation between the user's spending habits and income fluctuations and their emotions.

[1097] Budgeting and spending optimization

[1098] Step 9:

[1099] The server then uses the analysis to create a budget based on the user's priorities and financial goals. For example, if the user is trying to save money, it will suggest eating out less.

[1100] Step 10:

[1101] The emotion engine detects the user's emotional state and adjusts budget and spending optimization suggestions based on that. For example, if the user is judged to be prone to stress, it will suggest reasonable savings.

[1102] Step 11:

[1103] The terminal notifies the user of the created budget and asks them to confirm the proposed content. If the user accepts the proposal, the budget is finalized.

[1104] Generate required tax documents

[1105] Step 12:

[1106] At the end of the fiscal year, the server aggregates all income and expenditure data and generates the necessary tax forms based on income, expenses, and deductions.

[1107] Step 13:

[1108] The server automatically prepares income tax returns based on the latest tax laws.

[1109] Step 14:

[1110] The generated documents are stored in cloud storage and a notification is sent to the device, allowing the user to receive the notification, review the documents, and then file their income tax return with one click.

[1111] Step 15:

[1112] The emotion engine monitors the user's emotional state during the claim process and sends notifications and alerts to reduce stress levels.

[1113] User Notification and Interaction

[1114] Step 16:

[1115] At the beginning of each month, the server generates a report based on the previous month's income and expenditure data.

[1116] Step 17:

[1117] The terminal notifies the user of the generated report, which the user then confirms.

[1118] Step 18:

[1119] Users can input new budget settings and financial goals based on the report, and the device will send this to the server to update the budget for the next month. The emotion engine analyzes the user's emotional state during these notifications and interactions in real time and provides appropriate feedback.

[1120] These are the specific programming steps for the system that combines the household management assistant app and emotion engine. This system enables users to efficiently and accurately manage their income and expenses and file income tax returns, and also provides support that is sensitive to the user's emotions.

[1121] Example 2

[1122] 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."

[1123] Traditional household management systems rely on manual input to collect income and expenditure data, placing a heavy burden on users. Furthermore, they lack automation for budgeting and income tax returns, and are unable to provide spending suggestions or optimization that take into account the user's emotional state, limiting the efficiency and effectiveness of household management. Furthermore, many systems fail to incorporate the user's emotional state, which means they are unable to reduce the psychological burden on users.

[1124] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[1125] In this invention, the server includes means for collecting income, expenditure, and savings data in cooperation with the user's smart device, means for analyzing images of receipts and invoices using optical character recognition technology and extracting text data, means for analyzing voice input using voice recognition technology and generating income and expenditure data, means for acquiring account transaction data using financial institution APIs, means for storing and analyzing the acquired data, means for analyzing the user's emotional state and learning emotional patterns, means for automatically creating a budget based on the user's priorities and financial goals, means for generating necessary tax documents and automating income tax returns, and means for sending notifications to the user. This enables the automatic collection and analysis of income and expenditure data, budget creation and expenditure optimization taking into account the user's emotional state, and the automation of income tax returns, thereby reducing the user's burden and enabling more effective household management.

[1126] "User's smart device" refers to a portable electronic device that a user uses on a daily basis, such as a smartphone or smartwatch.

[1127] "Income, expenditure, and savings data" refers to information about a user's income, expenditure, and savings.

[1128] Optical character recognition (OCR) is a technology that extracts text information from an image.

[1129] "Speech recognition technology" is a technology that converts speech into text.

[1130] A "Financial Institution API" is an application program interface provided by financial institutions for obtaining bank account transaction information.

[1131] The "emotion engine" is a technology that analyzes a user's emotional state from their tone of voice, facial expressions, etc.

[1132] "Emotional state" refers to the psychological state, such as stress or happiness, that a user feels.

[1133] An "emotional pattern" is the fluctuation or tendency of a user's emotions under a specific situation.

[1134] "Financial Goals" are savings and spending goals set by the user.

[1135] "Automatic budget creation" is the process of automatically generating the next month's budget based on collected and analyzed data.

[1136] "Tax documents" are official documents required for filing income tax returns, etc.

[1137] "Income tax return automation" refers to the automatic creation of income tax return documents based on collected income and expenditure data, and the automation of the process leading up to submission.

[1138] "Notification sending means" refers to the method or technology for notifying users of important information.

[1139] MODE FOR CARRYING OUT THE INVENTION

[1140] This invention is a system that effectively supports household management for individuals and self-employed individuals. This system collects and analyzes income, expenditure, and savings data, and automatically creates budgets and prepares income tax returns. Furthermore, by incorporating an emotion engine, the system recognizes the user's emotional state and provides more personalized spending suggestions and budget creation.

[1141] Data Entry and Collection

[1142] The terminal connects to smart devices such as smartphones and smartwatches to collect the user's income, expenditure, and savings data. For example, when a user takes a photo of a restaurant receipt with their smartphone, the terminal uses optical character recognition (OCR) technology to extract the receipt's text data (restaurant name, date, amount, etc.). Furthermore, when the user verbally commands, such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the terminal uses voice recognition technology to convert this into text and generate income and expenditure data. Furthermore, the server obtains transaction information from the user's bank account in real time via financial institution APIs and centrally manages income and expenditure data.

[1143] Emotion engine included

[1144] The emotion engine analyzes the user's voice input, facial expressions, and tone of voice during interactions to detect the user's emotional state in real time. For example, when a user enters income or expenses, the emotion engine detects the user's stress or happiness. The server compares the collected emotion data with past data and learns the user's emotional patterns.

[1145] Data storage and analysis

[1146] The collected data is stored in a database on the server. The stored data includes detailed information such as date, time, category, amount, and emotional state. The server then classifies each transaction by category (food, housing, transportation, etc.) and analyzes monthly and annual income and expenditure patterns. This allows the system to understand the user's spending habits and income fluctuations and analyze their correlation with emotional state.

[1147] Budgeting and spending optimization

[1148] The server then uses the analysis results to automatically create the next month's budget based on the user's priorities and financial goals. For example, if the user is trying to save money, the server will suggest eating out less. Furthermore, the server adjusts budget proposals and spending optimization suggestions based on the user's emotional state, as detected by the emotion engine. For example, if the server determines that the user is prone to stress, it will suggest reasonable savings.

[1149] Generate required tax documents

[1150] At the end of the fiscal year, the server aggregates all income and expenditure data. It then creates the necessary tax documents based on the income, expenses, and deduction information. For example, it creates an income tax return based on the latest tax laws, taking into account the income, expenses, and deduction information. The created documents are electronically stored in cloud storage and notified to the user. After reviewing them, the user can submit the income tax return with one click. The emotion engine monitors the user's emotional state during the filing process and sends notifications and alerts to reduce stress levels.

[1151] User Notification and Interaction

[1152] The device periodically notifies the user of income and expenditure status and budget information. At the beginning of each month, the device generates a report of the previous month's spending and savings status and sends it to the user. The user can then input new budget settings and financial goals based on this report, which the device then sends to the server. The server updates the information in the database, and the next month's budget is automatically updated. The emotion engine analyzes the user's emotional state in real time during notifications and interactions and provides appropriate feedback.

[1153] Examples of concrete examples and prompts

[1154] Data entry and collection: The user takes a photo of a restaurant receipt with their smartphone, and OCR technology extracts the following data: "Restaurant name: XX Restaurant, Date: 2023 / 10 / 06, Amount: 5,000 yen."

[1155] Equipped with an emotion engine: When the user is making voice input, the emotion engine determines that "the user is feeling somewhat stressed" and records it.

[1156] Budgeting: The server sends a message saying, "I've created a budget proposal for next month. It suggests reducing dining out expenses by 20%."

[1157] Example prompt sentence:

[1158] Data entry prompt: "Please enter your income and expense data. Example: Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[1159] Emotion Engine prompt: "Please enter your income and expenses data. Also tell us about your feelings of stress and happiness."

[1160] The above is a specific embodiment for carrying out the present invention. By using this system, users can efficiently and accurately manage their income and expenditures, thereby improving their quality of life.

[1161] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1162] Step 1:

[1163] Data Entry and Collection

[1164] Input: Input income, expenditure and savings data via smart devices.

[1165] How it works: The device takes an image of a receipt taken by the user with their smartphone and extracts text data using optical character recognition (OCR). When the user verbally commands, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the device converts the voice data into text using voice recognition technology. Furthermore, the device uses financial institution APIs to obtain bank account transaction information in real time.

[1166] Output: Extracted text data, text data generated from voice input, and real-time transaction information are generated.

[1167] Step 2:

[1168] Emotion recognition by emotion engine

[1169] Input: User voice input, facial expressions, and tone of voice.

[1170] How it works: The emotion engine analyzes voice input, facial expressions, and tone of voice during interactions to detect the user's emotional state in real time. It also analyzes correlations between past input data and emotional states to learn emotional patterns.

[1171] Output: User's emotional state data.

[1172] Step 3:

[1173] Data storage and analysis

[1174] Inputs: extracted text data, text data generated from voice input, real-time transaction information, emotional state data.

[1175] How it works: The server stores the collected data in a database, including details such as date, time, category, amount, and emotional state. The server then categorizes the transaction data into categories and analyzes monthly and yearly patterns of income and expenditure.

[1176] Output: Transaction data categorized by category, monthly and yearly income and expenditure pattern analysis.

[1177] Step 4:

[1178] Budgeting and spending optimization

[1179] Input: Income and expenditure pattern analysis results, emotional state data.

[1180] How it works: The server automatically creates a budget for the next month based on the user's priorities and financial goals, based on the analysis of income and expenditure patterns and the user's emotional state. For example, if the user is trying to save money, the server will suggest reducing the number of times they eat out. Also, if the emotion engine detects the user's stress level, the server will suggest reasonable savings.

[1181] Output: Auto-generated budget proposal for the next month, with spending optimization suggestions.

[1182] Step 5:

[1183] Generate required tax documents

[1184] Input: Income and expenditure data, deduction information, and income and expenditure pattern analysis results.

[1185] How it works: At the end of the fiscal year, the server aggregates all income and expenditure data. It then automatically generates an income tax return based on the latest tax laws, taking into account income, expenses, and deduction information. This document is stored in cloud storage and notified to the user. After reviewing it, the user can submit the income tax return with one click. The emotion engine monitors the user's emotional state during the filing process and sends notifications and alerts to reduce stress levels.

[1186] Output: Prepared income tax return, notification of filing to user.

[1187] Step 6:

[1188] User Notification and Interaction

[1189] Inputs: latest income and expenditure data, budget proposals, spending optimization suggestions, and user emotional state data.

[1190] How it works: The device periodically sends notifications to the user containing the latest income and expenditure data, budget proposals, and spending optimization suggestions. At the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. The user can then enter new budget settings and financial goals based on this report, which the device then sends to the server. The emotion engine analyzes the user's emotional state in real time during notifications and interactions and provides appropriate feedback.

[1191] Output: User status notifications, reports, and feedback.

[1192] The above is the specific flow of the system's program processing.

[1193] (Application example 2)

[1194] 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."

[1195] In modern life, many individuals and self-employed individuals spend a great deal of time and effort managing their income and expenditures, preparing budgets, and filing income taxes. To solve this problem, a system is needed that can efficiently and accurately collect and analyze income and expenditure data and provide appropriate budget and spending suggestions based on the user's emotional state. However, current systems lack emotion analysis capabilities, making it difficult to provide spending suggestions and budget adjustments that take the user's mental state into account. Furthermore, these systems often cannot effectively utilize voice or image data, requiring manual data entry. Therefore, achieving both efficient income and expenditure management and personalized support is a challenge.

[1196] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes: means for collecting income, expenditure, and savings data in cooperation with the user's information terminal; means for analyzing receipt images using optical character recognition technology and extracting text data; means for analyzing voice input using voice recognition technology and generating income and expenditure data; means for acquiring account transaction data using a financial institution API; means for storing and analyzing the acquired data; means for automatically creating a budget based on the user's priorities and financial goals; means for generating necessary tax documents and automating income tax returns; means for combining an emotion engine that analyzes the user's tone of voice and facial expressions to detect their emotional state; means for adjusting budget proposals and spending suggestions based on the user's emotional state; and means for sending notifications to the user. This enables efficient and accurate income and expenditure management while taking the user's mental state into consideration, and enables the automation of budget creation and tax document preparation.

[1197] "Information terminal" refers to a user's portable electronic device such as a smartphone or tablet.

[1198] "Optical character recognition technology" is a technology that extracts text information from image data.

[1199] "Voice recognition technology" is a technology that analyzes voice and converts it into text data.

[1200] A "financial institution API" is an application program interface that works in conjunction with financial institution systems to obtain account transaction information.

[1201] The "Emotion Engine" is a technology that detects the user's emotional state through voice tone and facial expression analysis.

[1202] "Automatic Budgeting" is the process of automatically generating a budget based on a user's income and expenditure data and priorities.

[1203] "Tax document automation" is the process of automatically generating required tax documents based on income and expenditure data and tax laws.

[1204] "Contact sending" refers to the act of sending notifications or important information to users.

[1205] MODE FOR CARRYING OUT THE INVENTION

[1206] An embodiment of the present invention will now be described. In this system, a user's information terminal and a server work in cooperation with each other.

[1207] Hardware and Software Configuration

[1208] Hardware

[1209] Information terminals: smartphones, tablets, etc.

[1210] Input devices: microphone, camera

[1211] software

[1212] Speech recognition technology: SpeechRecognition library

[1213] Optical character recognition technology: OpenCV, pytesseract library

[1214] Emotion Engine: TextBlob Library

[1215] Database: Database connection using SQLAlchemy

[1216] System Operation

[1217] 1. Data collection

[1218] The information terminal collects the user's income, expenditure, and savings data. For example, when a user takes a photo of a receipt they received when eating out with the terminal's camera, optical character recognition technology extracts text data from the receipt. Also, using voice recognition technology, if the user says by voice, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," this voice is converted into text data and income and expenditure data is automatically generated.

[1219] 2. Data analysis and storage

[1220] The server uses the financial institution's API to obtain user account transaction data and stores this data (voice recognition data, optical character recognition data, and financial institution API data) in a centralized database. The data is categorized based on date, time, category, and amount.

[1221] 3. Operation of the Emotion Engine

[1222] The information terminal analyzes the user's tone of voice and facial expressions to detect their emotional state. For example, it can analyze stress, happiness, and other emotions in real time from the tone of voice when the user makes a voice input, and saves the results in a database. This makes it possible to analyze the correlation between the user's emotional state and income and expenditure data.

[1223] 4. Automatic budget creation

[1224] Based on the collected and analyzed data, the server automatically creates a budget tailored to the user's priorities and financial goals. For example, if the user is trying to save money, the system will suggest reducing the number of times they eat out.

[1225] 5. Generate tax documents

[1226] At the end of the fiscal year, the server compiles all income and expenditure data and automatically generates the necessary tax forms based on the latest tax laws, which users can then review and file their income tax returns electronically.

[1227] 6. User Notification and Interaction

[1228] The information terminal periodically notifies the user of information about income and expenditure status and budget. For example, at the beginning of each month, it generates a report of the previous month's expenditure and savings status and sends it to the user. Based on this report, the user can input new budget settings and financial goals, which are sent to the server and the budget for the next month is updated.

[1229] Prompt Sentence Examples

[1230] For example, the following prompt sentence is used to give a voice instruction such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[1231] Today's income was 50,000 yen, and I spent 10,000 yen on expenses.

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

[1233] Step 1:

[1234] The user inputs data using an information terminal. The user takes a photo of the receipt with a camera or inputs data by voice. The input image data of the receipt is converted into text data using optical character recognition technology. Voice input is converted into text data using voice recognition technology. In this way, image files and voice files are obtained as input data and text data is generated.

[1235] Step 2:

[1236] The terminal sends the generated text data to the server. The server uses the financial institution's API to obtain the user's account transaction data. This transaction information is collected in real time and organized together with the text data. Speech recognition text data, optical character recognition text data, and financial institution API data are obtained as input data sent from the user or terminal, and each is collected.

[1237] Step 3:

[1238] The server stores the collected data in a database. The data is categorized by date, time, category, amount, etc. At this stage, the emotion engine operates, analyzing the user's emotional state from their tone of voice and facial expressions to generate emotion data. This assigns emotion data to the stored data.

[1239] Step 4:

[1240] The server analyzes the stored data to understand the user's spending and income patterns. Based on the analysis results, it automatically creates a budget that matches the user's priorities and financial goals. The emotion analysis data from the emotion engine is also taken into account to generate a flexible budget proposal that matches the user's emotional state. This results in a budget proposal that takes into account spending and income patterns.

[1241] Step 5:

[1242] At the end of the fiscal year, the server aggregates all income and expenditure data and automatically generates the necessary tax forms based on the latest tax laws. Users can review these documents and submit them on the cloud. At specific times, tax forms are generated based on the aggregated data and notified to the user.

[1243] Step 6:

[1244] The device periodically notifies the user of information about income and expenditure status and budget. For example, at the beginning of each month, it generates a report of the previous month's expenditures and savings status and sends it to the user. The user can then input new budget settings and financial goals based on this report, and the device will send the new data to the server, updating the budget for the next month. This completes the regular income and expenditure reporting and budget update process.

[1245] 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.

[1246] 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.

[1247] 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.

[1248] [Fourth embodiment]

[1249] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[1250] 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.

[1251] 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).

[1252] 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.

[1253] 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.

[1254] 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).

[1255] 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.

[1256] 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.

[1257] 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.

[1258] 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.

[1259] 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.

[1260] 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.

[1261] 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."

[1262] MODE FOR CARRYING OUT THE INVENTION

[1263] The present invention is a system that collects and analyzes income, expenditure, and savings data to automatically create budgets and file income tax returns, in order to effectively support household management for individuals and self-employed individuals. This system works in conjunction with the user's smart device and operates through the following steps:

[1264] Data Entry and Collection

[1265] The terminal connects to smart devices (smartphones and smartwatches) and collects data on the user's income, expenses, and savings. For example, by taking a photo of a restaurant receipt, OCR technology is used to extract the text data (restaurant name, date, amount, etc.) from the receipt. Furthermore, when the user verbally commands, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," voice recognition technology is used to convert this into text and generate income and expense data. Furthermore, bank APIs are used to obtain transaction information from the user's bank account in real time, and income and expenditure data is managed centrally.

[1266] Data storage and analysis

[1267] The server stores the collected data in a database. For example, data obtained from OCR, voice recognition, and bank APIs is stored as income and expenditure data and organized for each user. The data is then classified by transaction category (food, housing, transportation, etc.) and monthly and annual expenditure and income patterns are analyzed. This analysis makes it possible to understand the user's spending trends and income fluctuations.

[1268] Budgeting and spending optimization

[1269] The server then automatically creates a budget for the next month based on the analysis results, according to the user's priorities and financial goals. For example, if a user is trying to save money, it can suggest reducing the number of times they eat out. The budget proposal is notified to the user via their device and is finalized after the user's approval.

[1270] Generate required tax documents

[1271] At the end of the fiscal year, the server automatically generates tax documents based on all the acquired and analyzed income and expenditure data. For example, it creates an income tax return based on the latest tax laws, taking into account income, expenses, and deduction information. The created documents are electronically stored in cloud storage and notified to the user. After reviewing the documents, the user can submit the income tax return with one click.

[1272] User Notification and Interaction

[1273] The device periodically notifies the user of income and expenditure status and budget information. For example, at the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. Based on this report, the user can enter new budget settings and financial goals, which the device then sends to the server, updating the budget for the next month.

[1274] The above is a specific embodiment for carrying out the present invention. This system allows users to efficiently and accurately manage their income and expenditures, reducing the burden of filing income tax returns. By using the present invention, the accuracy of household management can be improved, and it is possible to support lifestyle planning with a comfortable lifestyle.

[1275] The processing flow will be explained below.

[1276] Program processing flow

[1277] Data Entry and Collection

[1278] Step 1:

[1279] A user takes a photo of a restaurant receipt with their smartphone.

[1280] The device sends the captured image to an OCR module, which extracts text data (restaurant name, date, price, etc.).

[1281] Step 2:

[1282] The user commands verbally, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[1283] The device uses voice recognition technology to convert speech into text and generate income and expenditure data.

[1284] Step 3:

[1285] The terminal periodically retrieves transaction information from the user's bank account via the bank API.

[1286] The server analyzes the captured transaction information and categorizes the income and expenditure data.

[1287] Step 4:

[1288] The device sends all collected data to a server and stores it.

[1289] Data storage and analysis

[1290] Step 5:

[1291] The server stores the transmitted data in a database.

[1292] The data collected includes details such as date, time, category, and amount.

[1293] Step 6:

[1294] The server categorizes the stored data by category (food, housing, transportation, etc.).

[1295] Step 7:

[1296] The server analyzes the data to understand monthly and yearly spending and income patterns.

[1297] Based on the analysis results, the user's spending trends and income fluctuations are analyzed.

[1298] Budgeting and spending optimization

[1299] Step 8:

[1300] The server uses the analysis to create a budget based on the user's priorities and financial goals.

[1301] For example, if a user is trying to save money, the app will suggest eating out less often.

[1302] Step 9:

[1303] The device will then notify the user of the budget that has been created and confirm the proposal.

[1304] The user accepts the proposal and the budget for the next month is finalized.

[1305] Generate required tax documents

[1306] Step 10:

[1307] At the end of the fiscal year, the server aggregates all income and expenditure data.

[1308] Generate the necessary tax forms based on your income, expenses, and deductions.

[1309] Step 11:

[1310] The server automatically prepares income tax returns based on the latest tax laws.

[1311] Step 12:

[1312] The generated document is saved in cloud storage and a notification is sent to your device.

[1313] Users receive a notification, check their documents, and then file their income tax return with one click.

[1314] User Notification and Interaction

[1315] Step 13:

[1316] At the beginning of each month, the server generates a report based on the previous month's income and expenditure data.

[1317] Step 14:

[1318] The terminal notifies the user of the generated report, which the user then confirms.

[1319] Step 15:

[1320] Users input new budgets and financial goals based on the reports.

[1321] The terminal sends this to the server and updates the budget for the next month.

[1322] These are the specific steps of the program process for the household management assistant app, which allows users to efficiently and accurately manage their income and expenditures and file income tax returns.

[1323] Example 1

[1324] 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."

[1325] The challenge for individuals and self-employed individuals is to efficiently manage income, expenditure, and savings data, and automate budgeting and income tax returns. Traditional methods require manual data entry and classification, which is time-consuming and labor-intensive. Furthermore, errors and data omissions are likely to occur, making accurate household management and tax processing difficult.

[1326] 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.

[1327] In this invention, the server includes means for collecting income, expenditure, and savings data in cooperation with the user's electronic device, means for analyzing images of receipts and invoices using character recognition technology to extract text data, and means for analyzing voice input using voice recognition technology to generate income and expenditure data. This allows individuals and sole proprietors to automatically manage their household finances, prevent input errors and data omissions, and enable accurate budgeting and income tax filing.

[1328] "User" refers to an individual or sole proprietor who uses this system.

[1329] "Electronic device" refers to devices capable of data entry and communication, including smart devices such as smartphones and smartwatches.

[1330] "Income, Expense, and Savings Data" means data about the income earned, expenses incurred, and savings of a User.

[1331] "Character recognition technology" is a technology that extracts character information from image data and converts it into text data.

[1332] "Speech recognition technology" is a technology that converts voice data into text data.

[1333] "Financial Interface" refers to an API or other interface for obtaining transaction information from a user's financial institution.

[1334] "Database" refers to storage devices and management software for storing and managing collected data.

[1335] "Data analytics" refers to the process of using stored data to analyze patterns and trends in income and expenditure.

[1336] "Automatic budget creation" refers to the process of automatically creating the next month's income and expenditure plan based on the analysis results.

[1337] "Tax documents" refers to documents necessary for tax processing, such as income tax returns.

[1338] "Notifications" refers to messages that inform users of information such as income and expenditure status, budget proposals, tax documents, etc.

[1339] This invention relates to a system that works in conjunction with a user's electronic device to effectively manage income, expenditure, and savings data, and automate budget creation and income tax returns. A specific method for implementing this system will be described below.

[1340] Data Entry and Collection

[1341] A user uses an electronic device such as a smartphone or smartwatch. For example, if a user takes a photo of a restaurant receipt after eating out, the device captures the image. The device then uses OCR (Optical Character Recognition) technology to extract the text data from the receipt (restaurant name, date, amount, etc.). Furthermore, if the user issues a voice command such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the device uses voice recognition technology to convert this into text and generate income and expenditure data. The device also uses bank APIs to obtain transaction information from the user's account in real time and centrally manages income and expenditure data.

[1342] Data storage and analysis

[1343] All collected data is sent from the device to a server, which stores the received data in a database. The stored data is categorized by transaction category (food, housing, transportation, etc.). The server then analyzes monthly and annual spending and income patterns to understand the user's spending habits and income fluctuations.

[1344] Budgeting and spending optimization

[1345] Based on the analysis results, the server automatically creates a budget proposal for the next month based on the user's priorities and financial goals. For example, a user who is trying to save money may be suggested to "eat out less." This budget proposal is notified to the user via their device, and the user can accept or modify it.

[1346] Generate required tax documents

[1347] At the end of the fiscal year, the server automatically generates an income tax return based on all income and expenditure data, complying with the latest tax laws. This includes information on income, expenses, and deductions. The generated tax documents are stored in cloud storage and notified to the user via their device. The user can review the documents and submit the income tax return with one click.

[1348] User Notification and Interaction

[1349] The device periodically notifies the user of income and expenditure status and budget information. For example, on the first day of each month, it generates a report of the previous month's spending and savings status and sends it to the user. Based on this report, the user can enter new budget settings and financial goals, and the device will send them to the server to update the next month's budget.

[1350] Examples of concrete examples and prompts

[1351] As a concrete example, suppose a user dine out and takes a photo of a receipt from "Restaurant A." The device uses OCR technology to extract text data such as "Aaaaa, October 15, 2023, 5,000 yen." The device then sends this data to a server, which classifies it as "food expenses." At the end of the month, the server analyzes all the data and creates a budget proposal of "food expenses: 20,000 yen." This budget proposal is notified to the user via the device, who can review and approve it.

[1352] An example prompt might look like this:

[1353] "When you incur a lot of expenses on a business trip and want to enter the cost of a meal at a restaurant from a receipt"

[1354] "The process of inputting monthly income, expenses, and savings goals to create a budget."

[1355] "The process of generating and submitting income tax returns based on all income and expenditure data at the end of the fiscal year."

[1356] The above is a specific embodiment of the present invention. This system enables users to efficiently manage their income and expenditures and reduce the burden of filing income tax returns.

[1357] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1358] Step 1: Enter your data

[1359] 1.1. The user takes a photo of the receipt using an electronic device such as a smartphone or smartwatch.

[1360] 1.2. Input: Image data of receipt.

[1361] 1.3. The device captures the image and uses OCR technology to extract text data (restaurant name, date, price, etc.).

[1362] 1.4. Data processing: Image data -> text data.

[1363] 1.5. Output: Structured text data (e.g., "Restaurant A, October 15, 2023, 5,000 yen").

[1364] Step 2: Processing voice input

[1365] 2.1. The user issues a voice command such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[1366] 2.2. Input: Audio data.

[1367] 2.3. The device receives voice input and converts it into text data using voice recognition technology.

[1368] 2.4. Data processing: Audio data -> Text data.

[1369] 2.5. Output: Income and expenditure data (e.g., "Income: 50,000 yen, Expense: 10,000 yen").

[1370] Step 3: Get your banking information

[1371] 3.1. The terminal periodically calls the bank API to obtain transaction information from the user's bank account.

[1372] 3.2. Input: Bank API query.

[1373] 3.3. Data processing: API response -> Income and expenditure data.

[1374] 3.4. Output: Real-time transaction information data.

[1375] Step 4: Save your data

[1376] 4.1. The device sends all collected data (OCR data, voice recognition data, bank transaction data) to the server.

[1377] 4.2. Input: Data sent from the terminal.

[1378] 4.3. The server stores the received data in a database.

[1379] 4.4. Data processing: Unorganized data -> Structured income and expenditure data.

[1380] 4.5. Output: Balance data in the database.

[1381] Step 5: Analyze the data

[1382] 5.1. The server categorizes the stored data into transaction categories (food, housing, transportation, etc.).

[1383] 5.2. Input: Database income and expenditure data.

[1384] 5.3. The server will analyze monthly and annual expenditure and income patterns to understand the User's spending habits and income fluctuations.

[1385] 5.4. Data processing: Income and expenditure data -> expenditure and income patterns.

[1386] 5.5. Output: Expenditure and income pattern data.

[1387] Step 6: Create a budget

[1388] 6.1. Based on the analysis results, the server will automatically create a budget for the next month based on the user's priorities and financial goals.

[1389] 6.2. Input: Expenditure and income pattern data.

[1390] 6.3. Data processing: Analysis data -> Budget proposal data.

[1391] 6.4. Output: Next month's budget proposal data.

[1392] Step 7: User notification and confirmation

[1393] 7.1. The server sends the budget proposal to the terminal.

[1394] 7.2. Input: Next month's budget proposal data.

[1395] 7.3. The terminal will notify the user of the budget proposal.

[1396] 7.4. The User will review the notification and accept or amend the budget proposal.

[1397] 7.5. Output: User's confirmed or revised budget proposal.

[1398] Step 8: Generate tax documents

[1399] 8.1. At the end of the fiscal year, the server will automatically generate an income tax return based on all income and expenditure data.

[1400] 8.2. Input: Annual income and expenditure data.

[1401] 8.3. Data processing: Income and expenditure data -> Income tax return data.

[1402] 8.4. Output: Generated income tax return data.

[1403] Step 9: User Notification and Submission

[1404] 9.1. The server stores the generated tax documents in cloud storage.

[1405] 9.2. The server sends a notification of completion of tax document generation to the terminal.

[1406] 9.3. Input: Generated income tax return data.

[1407] 9.4. The device sends notifications to the user.

[1408] 9.5. The User can review the notification and submit the income tax return with one click.

[1409] 9.6. Output: Filed income tax return.

[1410] (Application example 1)

[1411] 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."

[1412] Conventional household management systems require a lot of time and effort to collect and analyze income and expenditure data, create budgets, and generate tax documents, placing a significant burden on individuals and sole proprietors. Furthermore, as electronic payments become more widespread, there is a need for real-time management and analysis of transaction data, but current systems make it difficult to do this efficiently. Furthermore, categorizing each transaction and understanding income and expenditure patterns is often done manually, which can lead to a lack of accuracy.

[1413] 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.

[1414] In this invention, the server includes means for collecting income, expenditure, and savings data in cooperation with the user's information terminal, means for analyzing images of receipts and invoices using character recognition technology to extract text data, means for analyzing voice input using voice recognition technology to generate income and expenditure data, means for acquiring account transaction data using a bank API, means for storing the acquired data in a database and analyzing it, means for automatically creating a budget based on the user's priorities and financial goals, means for generating necessary tax documents and automating income tax returns, means for sending notifications to the user, means for collecting and analyzing electronic payment data acquired in real time, and means for generating budget proposals and tax report documents based on the analysis results, thereby enabling users to manage their income and expenditure data in real time and efficiently and accurately manage their household finances and file tax returns.

[1415] "User's information terminal" refers to an information processing device used by a user, including a smart device.

[1416] "Character recognition technology" is a technology that analyzes character information in an image and converts it into text data.

[1417] "Voice recognition technology" is a technology that analyzes voice input and converts it into text data.

[1418] A "bank API" is an interface that connects with a bank's system and allows account information and transaction data to be obtained via a program.

[1419] A "database" is a system for efficiently storing and managing collected data.

[1420] "Financial Goals" are long-term or short-term financial goals set by a User.

[1421] "Tax documents" are documents required for filing income tax returns and contain information on income, expenses, deductions, etc.

[1422] "Electronic payment data" refers to transaction information conducted via credit cards, mobile payments, etc.

[1423] A "budget proposal" is a future income and expenditure plan created based on income and expenditure data.

[1424] A "report" is a document that compiles information such as analysis results, income and expenditure status, and budget proposals.

[1425] Description: Detailed Description of the Invention

[1426] The system for carrying out this invention is mainly composed of a user's information terminal and a server. A specific embodiment of this system will be described in detail below.

[1427] Data Entry and Collection

[1428] The terminal connects to the user's smart device (e.g., smartphone, smartwatch) and collects income, expenditure, and savings data. For example, by taking a photo of the receipt after paying at a restaurant, OCR technology (such as Tesseract) is used to extract text data (such as the store name, date, and amount). Furthermore, when the user issues a voice command such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the device converts the voice into text using the Google Speech API to generate income and expenditure data. Furthermore, it uses banking APIs (such as Plaid) to obtain real-time transaction information from the user's bank account and centrally manages income and expenditure data.

[1429] Data storage and analysis

[1430] The server stores the collected data in a database (e.g., PostgreSQL). Data obtained from OCR, voice recognition, and bank APIs is stored as income and expenditure data and organized for each user. Next, each transaction is classified by category (e.g., food, housing, transportation, etc.) and monthly and annual expenditure and income patterns are analyzed. This analysis uses a deep learning model (TensorFlow) to accurately identify spending trends and income fluctuations.

[1431] Budgeting and spending optimization

[1432] The server then automatically creates a budget for the next month based on the analysis results, according to the user's priorities and financial goals. For example, a user who is trying to save money can be suggested to reduce the number of times they eat out. The budget proposal is notified to the user via their device and is finalized after the user's approval.

[1433] Generate required tax documents

[1434] At the end of the fiscal year, the server automatically generates tax documents based on all the acquired and analyzed income and expenditure data. For example, it creates an income tax return based on the latest tax laws, taking into account income, expenses, and deduction information. The created documents are electronically stored in cloud storage and notified to the user. After reviewing them, the user can submit their income tax return with one click.

[1435] User Notification and Interaction

[1436] The device periodically notifies the user of income and expenditure status and budget information. For example, at the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. Based on this report, the user can enter new budget settings and financial goals, which the device then sends to the server, updating the next month's budget.

[1437] Examples of concrete examples and prompts

[1438] Examples:

[1439] Credit card spending data used by users for lunch is automatically collected through a bank API and classified into the "food expenses" category.

[1440] At the end of the month, all spending data is analyzed, a budget proposal is generated to reduce the number of times people eat out, and the user is notified.

[1441] At the end of the fiscal year, income tax returns are automatically generated based on all data and saved in cloud storage.

[1442] Example prompts to input to the generative AI model:

[1443] "Ask My Finance Tracker: What's your income and expenses this month?"

[1444] "Ask My Finance Tracker: Generate a budget for the next month."

[1445] This allows users to manage income and expenditure data in real time, enabling them to manage their household finances and file tax returns efficiently and accurately.

[1446] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1447] Step 1:

[1448] The terminal collects data related to the user's income, expenses, and savings. As input, it is given receipt images, voice input, and transaction information from the bank's API. It uses OCR technology to extract text data from receipt images, speech recognition technology to convert voice input into text, and utilizes the bank's API to obtain transaction data in real time. As output, the collected raw data is ready to be stored in a database.

[1449] Step 2:

[1450] The terminal sends the collected data to the server. As input, the collected data obtained in the previous step is given. The data is encrypted and transmitted using a secure communication protocol. As output, the data is stored in a database.

[1451] Step 3:

[1452] The server stores the received data in a database. As input, it receives the collected data sent by the terminals. The data is classified for each user and stored in the appropriate tables. As output, the retained data is available for subsequent analysis steps.

[1453] Step 4:

[1454] The server analyzes the stored data. As input, it receives the income and expenditure data stored in the database. It uses a deep learning model (TensorFlow) to analyze monthly and yearly expenditure and income patterns. As output, it obtains the analysis results.

[1455] Step 5:

[1456] The server creates a budget proposal for the next month based on the analysis results. As input, the user's financial data and the analysis results of their spending patterns are given. The budget proposal is automatically created according to their priorities and financial goals. As output, the budget proposal is generated and notified to the user.

[1457] Step 6:

[1458] The terminal notifies the user of the generated budget proposal. As input, the budget proposal data sent from the server is given. The notification is made through the smartphone's notification function. As output, information on whether the user has confirmed the budget proposal and approved or modified it is collected.

[1459] Step 7:

[1460] The server automatically generates tax documents at the end of the fiscal year. As input, it receives income and expenditure data for the entire period and the latest tax law information. In the automatic generation process, it organizes income, expenditure, and deduction information based on the latest tax law and generates an income tax return. As output, it receives the generated tax document.

[1461] Step 8:

[1462] The terminal notifies the user of the generated tax document and asks for confirmation. As input, the tax document data sent from the server is given. A notification is sent to the user's terminal, the user confirms the document and submits the income tax return with one click. As output, the confirmed tax document is submitted.

[1463] Step 9:

[1464] The terminal responds to periodic inquiries from the user. As input, it receives prompts that the user sends to the generative AI model (e.g., "Please tell me this month's income and expenditure situation" or "Please generate a budget proposal for next month.") As output, it displays the answers generated by the AI ​​model.

[1465] 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.

[1466] MODE FOR CARRYING OUT THE INVENTION

[1467] This invention is a system that collects and analyzes income, expenditure, and savings data to automatically create budgets and prepare income tax returns, effectively supporting household management for individuals and self-employed individuals. Furthermore, by combining it with an emotion engine that recognizes the user's emotional state, it can provide more personalized spending suggestions and budget creation. This system works in conjunction with the user's smart device and operates through the following steps:

[1468] Data Entry and Collection

[1469] The terminal connects to smart devices (smartphones and smartwatches) and collects data on the user's income, expenses, and savings. For example, by taking a photo of a restaurant receipt, OCR technology is used to extract the text data (restaurant name, date, amount, etc.) from the receipt. Furthermore, when the user verbally commands, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," voice recognition technology is used to convert this into text and generate income and expense data. Furthermore, bank APIs are used to obtain transaction information from the user's bank account in real time, and income and expenditure data is managed centrally.

[1470] Emotion engine included

[1471] The emotion engine analyzes the user's voice input, facial expressions, and tone of voice during interactions to detect the user's emotional state in real time. For example, when a user enters income or expenses, the emotion engine detects stress or happiness. The emotion engine also analyzes the correlation between the user's previously entered data and their emotional state, learning the user's emotional patterns.

[1472] Data storage and analysis

[1473] The server stores the collected data in a database. The collected data includes details such as date, time, category, amount, and emotional state. The data is then categorized by transaction category (food, housing, transportation, etc.) and monthly and annual spending and income patterns are analyzed. This analysis allows the user's spending habits and income fluctuations to be identified, and the correlation with emotional state is further analyzed.

[1474] Budgeting and spending optimization

[1475] The server then uses the analysis results to automatically create the next month's budget in accordance with the user's priorities and financial goals. For example, if the user is trying to save money, it will suggest eating out less. Furthermore, the emotion engine detects the user's emotional state and adjusts the budget and spending optimization suggestions accordingly. For example, if the user is judged to be prone to stress, it will suggest reasonable savings.

[1476] Generate required tax documents

[1477] At the end of the fiscal year, the server aggregates all income and expenditure data. It generates the necessary tax documents based on the income, expenses, and deduction information. For example, it creates an income tax return based on the latest tax laws, taking into account the income, expenses, and deduction information. The created document is electronically stored in cloud storage and notified to the user. After reviewing it, the user can submit the income tax return with one click. The emotion engine monitors the user's emotional state during the filing process and sends notifications and alerts to reduce stress levels.

[1478] User Notification and Interaction

[1479] The device periodically notifies the user of income and expenditure status and budget information. For example, at the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. The user inputs new budget settings and financial goals based on this report, and the device sends it to the server, updating the budget for the next month. The emotion engine analyzes the user's emotional state during these notifications and interactions in real time and provides appropriate feedback.

[1480] The above is a specific embodiment for implementing the present invention. This system allows users to efficiently and accurately manage their income and expenditures, reducing the burden of filing income tax returns. Using the present invention improves the accuracy of household management and enables support that is sensitive to the user's emotions.

[1481] The processing flow will be explained below.

[1482] Program processing flow

[1483] Data Entry and Collection

[1484] Step 1:

[1485] A user takes a photo of a restaurant receipt with their smartphone.

[1486] The device sends the captured image to an OCR module, which extracts text data (restaurant name, date, price, etc.).

[1487] Step 2:

[1488] The user commands verbally, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[1489] The device uses voice recognition technology to convert speech into text and generate income and expenditure data.

[1490] Step 3:

[1491] The terminal periodically retrieves transaction information from the user's bank account via the bank API.

[1492] The server analyzes the captured transaction information and categorizes the income and expenditure data.

[1493] Step 4:

[1494] When a user performs voice input or data input, the device's emotion engine analyzes the user's tone of voice and facial expressions to detect the user's emotional state.

[1495] Step 5:

[1496] The device sends all collected data to a server and stores it.

[1497] Data storage and analysis

[1498] Step 6:

[1499] The server stores the data in a database, including details such as date, time, category, amount, and emotional state.

[1500] Step 7:

[1501] The server categorizes the stored data by category (food, housing, transportation, etc.).

[1502] Step 8:

[1503] The server analyzes the data to understand monthly and yearly spending and income patterns, as well as emotional states, and analyzes the correlation between the user's spending habits and income fluctuations and their emotions.

[1504] Budgeting and spending optimization

[1505] Step 9:

[1506] The server then uses the analysis to create a budget based on the user's priorities and financial goals. For example, if the user is trying to save money, it will suggest eating out less.

[1507] Step 10:

[1508] The emotion engine detects the user's emotional state and adjusts budget and spending optimization suggestions based on that. For example, if the user is judged to be prone to stress, it will suggest reasonable savings.

[1509] Step 11:

[1510] The terminal notifies the user of the created budget and asks them to confirm the proposed content. If the user accepts the proposal, the budget is finalized.

[1511] Generate required tax documents

[1512] Step 12:

[1513] At the end of the fiscal year, the server aggregates all income and expenditure data and generates the necessary tax forms based on income, expenses, and deductions.

[1514] Step 13:

[1515] The server automatically prepares income tax returns based on the latest tax laws.

[1516] Step 14:

[1517] The generated documents are stored in cloud storage and a notification is sent to the device, allowing the user to receive the notification, review the documents, and then file their income tax return with one click.

[1518] Step 15:

[1519] The emotion engine monitors the user's emotional state during the claim process and sends notifications and alerts to reduce stress levels.

[1520] User Notification and Interaction

[1521] Step 16:

[1522] At the beginning of each month, the server generates a report based on the previous month's income and expenditure data.

[1523] Step 17:

[1524] The terminal notifies the user of the generated report, which the user then confirms.

[1525] Step 18:

[1526] Users can input new budget settings and financial goals based on the report, and the device will send this to the server to update the budget for the next month. The emotion engine analyzes the user's emotional state during these notifications and interactions in real time and provides appropriate feedback.

[1527] These are the specific programming steps for the system that combines the household management assistant app and emotion engine. This system enables users to efficiently and accurately manage their income and expenses and file income tax returns, and also provides support that is sensitive to the user's emotions.

[1528] Example 2

[1529] Next, a description will be given of Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the robot 414 will be referred to as a "terminal."

[1530] Traditional household management systems rely on manual input to collect income and expenditure data, placing a heavy burden on users. Furthermore, they lack automation for budgeting and income tax returns, and are unable to provide spending suggestions or optimization that take into account the user's emotional state, limiting the efficiency and effectiveness of household management. Furthermore, many systems fail to incorporate the user's emotional state, which means they are unable to reduce the psychological burden on users.

[1531] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[1532] In this invention, the server includes means for collecting income, expenditure, and savings data in cooperation with the user's smart device, means for analyzing images of receipts and invoices using optical character recognition technology and extracting text data, means for analyzing voice input using voice recognition technology and generating income and expenditure data, means for acquiring account transaction data using financial institution APIs, means for storing and analyzing the acquired data, means for analyzing the user's emotional state and learning emotional patterns, means for automatically creating a budget based on the user's priorities and financial goals, means for generating necessary tax documents and automating income tax returns, and means for sending notifications to the user. This enables the automatic collection and analysis of income and expenditure data, budget creation and expenditure optimization taking into account the user's emotional state, and the automation of income tax returns, thereby reducing the user's burden and enabling more effective household management.

[1533] "User's smart device" refers to a portable electronic device that a user uses on a daily basis, such as a smartphone or smartwatch.

[1534] "Income, expenditure, and savings data" refers to information about a user's income, expenditure, and savings.

[1535] Optical character recognition (OCR) is a technology that extracts text information from an image.

[1536] "Speech recognition technology" is a technology that converts speech into text.

[1537] A "Financial Institution API" is an application program interface provided by financial institutions for obtaining bank account transaction information.

[1538] The "emotion engine" is a technology that analyzes a user's emotional state from their tone of voice, facial expressions, etc.

[1539] "Emotional state" refers to the psychological state, such as stress or happiness, that a user feels.

[1540] An "emotional pattern" is the fluctuation or tendency of a user's emotions under a specific situation.

[1541] "Financial Goals" are savings and spending goals set by the user.

[1542] "Automatic budget creation" is the process of automatically generating the next month's budget based on collected and analyzed data.

[1543] "Tax documents" are official documents required for filing income tax returns, etc.

[1544] "Income tax return automation" refers to the automatic creation of income tax return documents based on collected income and expenditure data, and the automation of the process leading up to submission.

[1545] "Notification sending means" refers to the method or technology for notifying users of important information.

[1546] MODE FOR CARRYING OUT THE INVENTION

[1547] This invention is a system that effectively supports household management for individuals and self-employed individuals. This system collects and analyzes income, expenditure, and savings data, and automatically creates budgets and prepares income tax returns. Furthermore, by incorporating an emotion engine, the system recognizes the user's emotional state and provides more personalized spending suggestions and budget creation.

[1548] Data Entry and Collection

[1549] The terminal connects to smart devices such as smartphones and smartwatches to collect the user's income, expenditure, and savings data. For example, when a user takes a photo of a restaurant receipt with their smartphone, the terminal uses optical character recognition (OCR) technology to extract the receipt's text data (restaurant name, date, amount, etc.). Furthermore, when the user verbally commands, such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the terminal uses voice recognition technology to convert this into text and generate income and expenditure data. Furthermore, the server obtains transaction information from the user's bank account in real time via financial institution APIs and centrally manages income and expenditure data.

[1550] Emotion engine included

[1551] The emotion engine analyzes the user's voice input, facial expressions, and tone of voice during interactions to detect the user's emotional state in real time. For example, when a user enters income or expenses, the emotion engine detects the user's stress or happiness. The server compares the collected emotion data with past data and learns the user's emotional patterns.

[1552] Data storage and analysis

[1553] The collected data is stored in a database on the server. The stored data includes detailed information such as date, time, category, amount, and emotional state. The server then classifies each transaction by category (food, housing, transportation, etc.) and analyzes monthly and annual income and expenditure patterns. This allows the system to understand the user's spending habits and income fluctuations and analyze their correlation with emotional state.

[1554] Budgeting and spending optimization

[1555] The server then uses the analysis results to automatically create the next month's budget based on the user's priorities and financial goals. For example, if the user is trying to save money, the server will suggest eating out less. Furthermore, the server adjusts budget proposals and spending optimization suggestions based on the user's emotional state, as detected by the emotion engine. For example, if the server determines that the user is prone to stress, it will suggest reasonable savings.

[1556] Generate required tax documents

[1557] At the end of the fiscal year, the server aggregates all income and expenditure data. It then creates the necessary tax documents based on the income, expenses, and deduction information. For example, it creates an income tax return based on the latest tax laws, taking into account the income, expenses, and deduction information. The created documents are electronically stored in cloud storage and notified to the user. After reviewing them, the user can submit the income tax return with one click. The emotion engine monitors the user's emotional state during the filing process and sends notifications and alerts to reduce stress levels.

[1558] User Notification and Interaction

[1559] The device periodically notifies the user of income and expenditure status and budget information. At the beginning of each month, the device generates a report of the previous month's spending and savings status and sends it to the user. The user can then input new budget settings and financial goals based on this report, which the device then sends to the server. The server updates the information in the database, and the next month's budget is automatically updated. The emotion engine analyzes the user's emotional state in real time during notifications and interactions and provides appropriate feedback.

[1560] Examples of concrete examples and prompts

[1561] Data entry and collection: The user takes a photo of a restaurant receipt with their smartphone, and OCR technology extracts the following data: "Restaurant name: XX Restaurant, Date: 2023 / 10 / 06, Amount: 5,000 yen."

[1562] Equipped with an emotion engine: When the user is making voice input, the emotion engine determines that "the user is feeling somewhat stressed" and records it.

[1563] Budgeting: The server sends a message saying, "I've created a budget proposal for next month. It suggests reducing dining out expenses by 20%."

[1564] Example prompt sentence:

[1565] Data entry prompt: "Please enter your income and expense data. Example: Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[1566] Emotion Engine prompt: "Please enter your income and expenses data. Also tell us about your feelings of stress and happiness."

[1567] The above is a specific embodiment for carrying out the present invention. By using this system, users can efficiently and accurately manage their income and expenditures, thereby improving their quality of life.

[1568] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1569] Step 1:

[1570] Data Entry and Collection

[1571] Input: Input income, expenditure and savings data via smart devices.

[1572] How it works: The device takes an image of a receipt taken by the user with their smartphone and extracts text data using optical character recognition (OCR). When the user verbally commands, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," the device converts the voice data into text using voice recognition technology. Furthermore, the device uses financial institution APIs to obtain bank account transaction information in real time.

[1573] Output: Extracted text data, text data generated from voice input, and real-time transaction information are generated.

[1574] Step 2:

[1575] Emotion recognition by emotion engine

[1576] Input: User voice input, facial expressions, and tone of voice.

[1577] How it works: The emotion engine analyzes voice input, facial expressions, and tone of voice during interactions to detect the user's emotional state in real time. It also analyzes correlations between past input data and emotional states to learn emotional patterns.

[1578] Output: User's emotional state data.

[1579] Step 3:

[1580] Data storage and analysis

[1581] Inputs: extracted text data, text data generated from voice input, real-time transaction information, emotional state data.

[1582] How it works: The server stores the collected data in a database, including details such as date, time, category, amount, and emotional state. The server then categorizes the transaction data into categories and analyzes monthly and yearly patterns of income and expenditure.

[1583] Output: Transaction data categorized by category, monthly and yearly income and expenditure pattern analysis.

[1584] Step 4:

[1585] Budgeting and spending optimization

[1586] Input: Income and expenditure pattern analysis results, emotional state data.

[1587] How it works: The server automatically creates a budget for the next month based on the user's priorities and financial goals, based on the analysis of income and expenditure patterns and the user's emotional state. For example, if the user is trying to save money, the server will suggest reducing the number of times they eat out. Also, if the emotion engine detects the user's stress level, the server will suggest reasonable savings.

[1588] Output: Auto-generated budget proposal for the next month, with spending optimization suggestions.

[1589] Step 5:

[1590] Generate required tax documents

[1591] Input: Income and expenditure data, deduction information, and income and expenditure pattern analysis results.

[1592] How it works: At the end of the fiscal year, the server aggregates all income and expenditure data. It then automatically generates an income tax return based on the latest tax laws, taking into account income, expenses, and deduction information. This document is stored in cloud storage and notified to the user. After reviewing it, the user can submit the income tax return with one click. The emotion engine monitors the user's emotional state during the filing process and sends notifications and alerts to reduce stress levels.

[1593] Output: Prepared income tax return, notification of filing to user.

[1594] Step 6:

[1595] User Notification and Interaction

[1596] Inputs: latest income and expenditure data, budget proposals, spending optimization suggestions, and user emotional state data.

[1597] How it works: The device periodically sends notifications to the user containing the latest income and expenditure data, budget proposals, and spending optimization suggestions. At the beginning of each month, it generates a report of the previous month's spending and savings status and sends it to the user. The user can then enter new budget settings and financial goals based on this report, which the device then sends to the server. The emotion engine analyzes the user's emotional state in real time during notifications and interactions and provides appropriate feedback.

[1598] Output: User status notifications, reports, and feedback.

[1599] The above is the specific flow of the system's program processing.

[1600] (Application example 2)

[1601] Next, a description will be given of Application Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the robot 414 will be referred to as a "terminal."

[1602] In modern life, many individuals and self-employed individuals spend a great deal of time and effort managing their income and expenditures, preparing budgets, and filing income taxes. To solve this problem, a system is needed that can efficiently and accurately collect and analyze income and expenditure data and provide appropriate budget and spending suggestions based on the user's emotional state. However, current systems lack emotion analysis capabilities, making it difficult to provide spending suggestions and budget adjustments that take the user's mental state into account. Furthermore, these systems often cannot effectively utilize voice or image data, requiring manual data entry. Therefore, achieving both efficient income and expenditure management and personalized support is a challenge.

[1603] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes: means for collecting income, expenditure, and savings data in cooperation with the user's information terminal; means for analyzing receipt images using optical character recognition technology and extracting text data; means for analyzing voice input using voice recognition technology and generating income and expenditure data; means for acquiring account transaction data using a financial institution API; means for storing and analyzing the acquired data; means for automatically creating a budget based on the user's priorities and financial goals; means for generating necessary tax documents and automating income tax returns; means for combining an emotion engine that analyzes the user's tone of voice and facial expressions to detect their emotional state; means for adjusting budget proposals and spending suggestions based on the user's emotional state; and means for sending notifications to the user. This enables efficient and accurate income and expenditure management while taking the user's mental state into consideration, and enables the automation of budget creation and tax document preparation.

[1604] "Information terminal" refers to a user's portable electronic device such as a smartphone or tablet.

[1605] "Optical character recognition technology" is a technology that extracts text information from image data.

[1606] "Voice recognition technology" is a technology that analyzes voice and converts it into text data.

[1607] A "financial institution API" is an application program interface that works in conjunction with financial institution systems to obtain account transaction information.

[1608] The "Emotion Engine" is a technology that detects the user's emotional state through voice tone and facial expression analysis.

[1609] "Automatic Budgeting" is the process of automatically generating a budget based on a user's income and expenditure data and priorities.

[1610] "Tax document automation" is the process of automatically generating required tax documents based on income and expenditure data and tax laws.

[1611] "Contact sending" refers to the act of sending notifications or important information to users.

[1612] MODE FOR CARRYING OUT THE INVENTION

[1613] An embodiment of the present invention will now be described. In this system, a user's information terminal and a server work in cooperation with each other.

[1614] Hardware and Software Configuration

[1615] Hardware

[1616] Information terminals: smartphones, tablets, etc.

[1617] Input devices: microphone, camera

[1618] software

[1619] Speech recognition technology: SpeechRecognition library

[1620] Optical character recognition technology: OpenCV, pytesseract library

[1621] Emotion Engine: TextBlob Library

[1622] Database: Database connection using SQLAlchemy

[1623] System Operation

[1624] 1. Data collection

[1625] The information terminal collects the user's income, expenditure, and savings data. For example, when a user takes a photo of a receipt they received when eating out with the terminal's camera, optical character recognition technology extracts text data from the receipt. Also, using voice recognition technology, if the user says by voice, "Today's income was 50,000 yen, and I spent 10,000 yen on expenses," this voice is converted into text data and income and expenditure data is automatically generated.

[1626] 2. Data analysis and storage

[1627] The server uses the financial institution's API to obtain user account transaction data and stores this data (voice recognition data, optical character recognition data, and financial institution API data) in a centralized database. The data is categorized based on date, time, category, and amount.

[1628] 3. Operation of the Emotion Engine

[1629] The information terminal analyzes the user's tone of voice and facial expressions to detect their emotional state. For example, it can analyze stress, happiness, and other emotions in real time from the tone of voice when the user makes a voice input, and saves the results in a database. This makes it possible to analyze the correlation between the user's emotional state and income and expenditure data.

[1630] 4. Automatic budget creation

[1631] Based on the collected and analyzed data, the server automatically creates a budget tailored to the user's priorities and financial goals. For example, if the user is trying to save money, the system will suggest reducing the number of times they eat out.

[1632] 5. Generate tax documents

[1633] At the end of the fiscal year, the server compiles all income and expenditure data and automatically generates the necessary tax forms based on the latest tax laws, which users can then review and file their income tax returns electronically.

[1634] 6. User Notification and Interaction

[1635] The information terminal periodically notifies the user of information about income and expenditure status and budget. For example, at the beginning of each month, it generates a report of the previous month's expenditure and savings status and sends it to the user. Based on this report, the user can input new budget settings and financial goals, which are sent to the server and the budget for the next month is updated.

[1636] Prompt Sentence Examples

[1637] For example, the following prompt sentence is used to give a voice instruction such as "Today's income was 50,000 yen, and I spent 10,000 yen on expenses."

[1638] Today's income was 50,000 yen, and I spent 10,000 yen on expenses.

[1639] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1640] Step 1:

[1641] The user inputs data using an information terminal. The user takes a photo of the receipt with a camera or inputs data by voice. The input image data of the receipt is converted into text data using optical character recognition technology. Voice input is converted into text data using voice recognition technology. In this way, image files and voice files are obtained as input data and text data is generated.

[1642] Step 2:

[1643] The terminal sends the generated text data to the server. The server uses the financial institution's API to obtain the user's account transaction data. This transaction information is collected in real time and organized together with the text data. Speech recognition text data, optical character recognition text data, and financial institution API data are obtained as input data sent from the user or terminal, and each is collected.

[1644] Step 3:

[1645] The server stores the collected data in a database. The data is categorized by date, time, category, amount, etc. At this stage, the emotion engine operates, analyzing the user's emotional state from their tone of voice and facial expressions to generate emotion data. This assigns emotion data to the stored data.

[1646] Step 4:

[1647] The server analyzes the stored data to understand the user's spending and income patterns. Based on the analysis results, it automatically creates a budget that matches the user's priorities and financial goals. The emotion analysis data from the emotion engine is also taken into account to generate a flexible budget proposal that matches the user's emotional state. This results in a budget proposal that takes into account spending and income patterns.

[1648] Step 5:

[1649] At the end of the fiscal year, the server aggregates all income and expenditure data and automatically generates the necessary tax forms based on the latest tax laws. Users can review these documents and submit them on the cloud. At specific times, tax forms are generated based on the aggregated data and notified to the user.

[1650] Step 6:

[1651] The device periodically notifies the user of information about income and expenditure status and budget. For example, at the beginning of each month, it generates a report of the previous month's expenditures and savings status and sends it to the user. The user can then input new budget settings and financial goals based on this report, and the device will send the new data to the server, updating the budget for the next month. This completes the regular income and expenditure reporting and budget update process.

[1652] The specific processing unit 290 transmits the result of the specific processing to the robot 414. In the robot 414, the control unit 46A causes the speaker 240 and the control target 443 to output the result of the specific processing. The microphone 238 acquires voice indicating a user input regarding the result of the specific processing. The control unit 46A transmits voice data indicating the user input acquired by the microphone 238 to the data processing device 12. In the data processing device 12, the specific processing unit 290 acquires the voice data.

[1653] 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.

[1654] In the above embodiment, an example was given in which the specific processing is performed by the data processing device 12, but the technology of the present disclosure is not limited to this, and the specific processing may be performed by the robot 414.

[1655] The emotion identification model 59 as an emotion engine may determine the user's emotion according to a specific mapping. Specifically, the emotion identification model 59 may determine the user's emotion according to an emotion map (see FIG. 9), which is a specific mapping. Similarly, the emotion identification model 59 may determine the robot's emotion, and the identification processing unit 290 may perform identification processing using the robot's emotion.

[1656] FIG. 9 is a diagram illustrating an emotion map 400 on which multiple emotions are mapped. In the emotion map 400, emotions are arranged in concentric circles radiating from the center. Emotions closer to the center of the concentric circles are more primitive. Emotions representing states and actions arising from a state of mind are arranged on the outer edges of the concentric circles. The concept of emotion includes both affect and mental states. Emotions generally generated from reactions occurring in the brain are arranged on the left side of the concentric circles. Emotions generally induced by situational judgment are arranged on the right side of the concentric circles. Emotions generally generated from reactions occurring in the brain and induced by situational judgment are arranged on the upper and lower sides of the concentric circles. Furthermore, the emotion of "pleasure" is arranged on the upper side of the concentric circles, and the emotion of "discomfort" is arranged on the lower side. In this way, in the emotion map 400, multiple emotions are mapped based on the structure by which emotions are generated, and emotions that tend to occur simultaneously are mapped close to each other.

[1657] These emotions are distributed in the 3 o'clock direction on emotion map 400, and typically fluctuate between relief and anxiety. In the right half of emotion map 400, situational awareness dominates over internal sensations, resulting in a sense of calm.

[1658] The inside of emotion map 400 represents what is going on in the mind, and the outside of emotion map 400 represents behavior, so the further you go outside emotion map 400, the more visible the emotions become (the more they are expressed in behavior).

[1659] Human emotions are based on various balances, such as posture and blood sugar levels. When these balances deviate from the ideal, a state of discomfort is indicated, and when they approach the ideal, a state of pleasure is indicated. Emotions can also be created for robots, automobiles, and motorcycles, based on various balances, such as posture and remaining battery life. When these balances deviate from the ideal, a state of discomfort is indicated, and when they approach the ideal, a state of pleasure is indicated. An emotion map can be generated, for example, based on Dr. Mitsuyoshi's emotion map (Research on Voice Emotion Recognition and Emotional Brain Physiological Signal Analysis Systems, Tokushima University, Doctoral Dissertation: https: / / ci.nii.ac.jp / naid / 500000375379). The left half of the emotion map lists emotions belonging to the "reaction" domain, where sensation is dominant. The right half of the emotion map lists emotions belonging to the "situation" domain, where situational awareness is dominant.

[1660] The emotion map defines two emotions that promote learning. One is a negative emotion on the situation side, around the middle of "repentance" or "reflection." In other words, this occurs when the robot experiences negative emotions such as "I never want to feel this way again" or "I don't want to be scolded again." The other is a positive emotion on the response side, around "desire." In other words, this occurs when the robot experiences positive feelings such as "I want more" or "I want to know more."

[1661] The emotion identification model 59 inputs user input into a pre-trained neural network, obtains emotion values ​​indicating each emotion shown in the emotion map 400, and determines the user's emotion. This neural network is pre-trained based on multiple pieces of training data that are combinations of user input and emotion values ​​indicating each emotion shown in the emotion map 400. Furthermore, this neural network is trained so that emotions that are located close to each other have similar values, as in the emotion map 900 shown in FIG. 10. FIG. 10 shows an example in which multiple emotions, "relieved," "calm," and "reassuring," have similar emotion values.

[1662] The system according to the present disclosure has been described above mainly with respect to the functions of the data processing device 12, but the system according to the present disclosure is not necessarily implemented on a server. The system according to the present disclosure may be implemented as a general information processing system. The present disclosure may be implemented, for example, as a software program running on a personal computer or an application running on a smartphone, etc. The method according to the present disclosure may be provided to users in the form of SaaS (Software as a Service).

[1663] In the above embodiment, an example was given in which the specific processing is performed by one computer 22, but the technology of the present disclosure is not limited to this, and the specific processing may be distributed and performed by a plurality of computers including the computer 22. For example, the data generation model 58 may be provided in an external device of the data processing device 12, and data may be generated in the external device in accordance with input data.

[1664] In the above embodiment, an example in which the specific processing program 56 is stored in the storage 32 has been described, but the technology of the present disclosure is not limited to this. For example, the specific processing program 56 may be stored in a portable, computer-readable, non-transitory storage medium such as a USB (Universal Serial Bus) memory. The specific processing program 56 stored in the non-transitory storage medium is installed in the computer 22 of the data processing device 12. The processor 28 executes the specific processing in accordance with the specific processing program 56.

[1665] Alternatively, the specific processing program 56 may be stored in a storage device such as a server connected to the data processing device 12 via the network 54, and the specific processing program 56 may be downloaded and installed on the computer 22 in response to a request from the data processing device 12.

[1666] It is not necessary to store all of the specific processing program 56 in a storage device such as a server connected to the data processing device 12 via the network 54, or to store all of the specific processing program 56 in the storage 32; only a portion of the specific processing program 56 may be stored.

[1667] The hardware resource for executing a specific process can be any of the following processors: An example of a processor is a CPU, which is a general-purpose processor that functions as a hardware resource for executing a specific process by executing software, i.e., a program. Another example of a processor is a dedicated electrical circuit, such as an FPGA (Field-Programmable Gate Array), a PLD (Programmable Logic Device), or an ASIC (Application Specific Integrated Circuit), which is a processor with a circuit configuration designed specifically for executing a specific process. Each processor has built-in or connected memory, and each processor uses the memory to execute the specific process.

[1668] The hardware resource that executes the specific processing may be configured with one of these various processors, or may be configured with a combination of two or more processors of the same or different types (for example, a combination of multiple FPGAs, or a combination of a CPU and an FPGA). Also, the hardware resource that executes the specific processing may be a single processor.

[1669] As an example of a system configured with a single processor, first, one processor is configured by combining one or more CPUs and software, and this processor functions as a hardware resource that executes a specific process. Second, there is a system that uses a processor that realizes the functions of an entire system including multiple hardware resources that execute a specific process on a single IC chip, as typified by SoC (System-on-a-chip). In this way, a specific process is realized using one or more of the above-mentioned various processors as hardware resources.

[1670] Furthermore, the hardware structure of these various processors can be, more specifically, an electric circuit that combines circuit elements such as semiconductor devices. The specific processing described above is merely an example. Therefore, it goes without saying that unnecessary steps may be deleted, new steps may be added, or the processing order may be rearranged, without departing from the spirit of the invention.

[1671] The above-described description and illustrations are a detailed explanation of the parts related to the technology of the present disclosure and are merely an example of the technology of the present disclosure. For example, the above description of the configuration, functions, actions, and effects is an explanation of an example of the configuration, functions, actions, and effects of the parts related to the technology of the present disclosure. Therefore, it goes without saying that unnecessary parts may be deleted, new elements may be added, or replacements may be made to the above-described description and illustrations within the scope of the gist of the technology of the present disclosure. Furthermore, to avoid confusion and facilitate understanding of the parts related to the technology of the present disclosure, the above-described description and illustrations omit explanations of common technical knowledge that do not require particular explanation to enable the implementation of the technology of the present disclosure.

[1672] All publications, patent applications, and technical standards mentioned in this specification are herein incorporated by reference to the same extent as if each individual publication, patent application, or technical standard was specifically and individually indicated to be incorporated by reference.

[1673] The following is further disclosed regarding the above embodiment.

[1674] (Claim 1)

[1675] A means of collecting income, expenditure and savings data in conjunction with users' smart devices;

[1676] A method for analyzing images of receipts and invoices using OCR technology and extracting text data;

[1677] means for analyzing voice input using voice recognition technology to generate income and expense data;

[1678] A means of obtaining account transaction data using bank APIs,

[1679] means for storing and analyzing the acquired data;

[1680] A way to automatically create a budget based on your priorities and financial goals;

[1681] A means to generate the necessary tax documents and automate income tax filing;

[1682] a means for sending notifications to users;

[1683] A system including:

[1684] (Claim 2)

[1685] 10. The system of claim 1, further comprising means for retrieving transaction information from the user's bank account in real time through a bank API and parsing and categorizing the income and expense data.

[1686] (Claim 3)

[1687] 10. The system of claim 1, further comprising means for generating tax documents based on information regarding recent tax law changes and deductions to automate the income tax filing process.

[1688] "Example 1"

[1689] (Claim 1)

[1690] A means of collecting income, expenditure and savings data in conjunction with the user's electronic devices;

[1691] A means for analyzing images of receipts and invoices using character recognition technology and extracting text data;

[1692] means for analyzing voice input using voice recognition technology to generate income and expense data;

[1693] a means for obtaining account transaction data using a financial interface;

[1694] A means for storing the acquired data in a database and performing data analysis;

[1695] A way to automatically create a budget based on your priorities and financial goals;

[1696] A means to generate the necessary tax documents and automate income tax filing;

[1697] a means for sending notifications to users;

[1698] A system including:

[1699] (Claim 2)

[1700] 10. The system of claim 1, further comprising means for obtaining transaction information from the user's bank account in real time through the financial interface and analyzing and categorizing the income and expense data.

[1701] (Claim 3)

[1702] 10. The system of claim 1, further comprising means for generating tax documents based on information regarding recent tax law changes and deductions to automate the income tax filing process.

[1703] "Application Example 1"

[1704] (Claim 1)

[1705] A means of collecting income, expenditure and savings data in conjunction with the user's information terminal;

[1706] A means for analyzing images of receipts and invoices using character recognition technology and extracting text data;

[1707] means for analyzing voice input using voice recognition technology to generate income and expense data;

[1708] A means of obtaining account transaction data using bank APIs,

[1709] A means for storing and analyzing the acquired data in a database;

[1710] A way to automatically create a budget based on your priorities and financial goals;

[1711] A means to generate the necessary tax documents and automate income tax filing;

[1712] a means for sending notifications to users;

[1713] a means for collecting and analyzing electronic payment data captured in real time;

[1714] A means to generate reports for budgets and tax documents based on the analysis results;

[1715] A system including:

[1716] (Claim 2)

[1717] 10. The system of claim 1, further comprising means for retrieving transaction information from the user's bank account in real time through a bank API and parsing and categorizing the income and expense data.

[1718] (Claim 3)

[1719] 10. The system of claim 1, further comprising means for generating tax documents based on information regarding recent tax law changes and deductions to automate the income tax filing process.

[1720] "Example 2: Combining Emotion Engines"

[1721] (Claim 1)

[1722] A means of collecting income, expenditure and savings data in conjunction with users' smart devices;

[1723] A means for analyzing images of receipts and invoices using optical character recognition technology and extracting text data;

[1724] means for analyzing voice input using voice recognition technology to generate income and expense data;

[1725] A means of obtaining account transaction data using financial institution APIs;

[1726] means for storing and analyzing the acquired data;

[1727] a means for analyzing a user's emotional state and learning emotional patterns;

[1728] A way to automatically create a budget based on your priorities and financial goals;

[1729] A means to generate the necessary tax documents and automate income tax filing;

[1730] a means for sending notifications to users;

[1731] A system including:

[1732] (Claim 2)

[1733] 10. The system of claim 1, further comprising means for retrieving transaction information from the user's bank account in real time through a financial institution API and parsing and categorizing the income and expense data.

[1734] (Claim 3)

[1735] 10. The system of claim 1, further comprising means for monitoring the user's emotional state and providing appropriate feedback.

[1736] "Application example 2 when combining emotion engines"

[1737] (Claim 1)

[1738] A means of collecting income, expenditure and savings data in conjunction with the user's information terminal;

[1739] means for analyzing an image of a receipt using optical character recognition technology to extract text data;

[1740] means for analyzing voice input using voice recognition technology to generate income and expense data;

[1741] A means of obtaining account transaction data using financial institution APIs;

[1742] means for storing and analyzing the acquired data;

[1743] A way to automatically create a budget based on your priorities and financial goals;

[1744] A means to generate the necessary tax documents and automate income tax filing;

[1745] A means to combine an emotion engine that analyzes the user's tone of voice and facial expressions to detect their emotional state;

[1746] a means of adjusting budgets and spending suggestions based on the user's emotional state;

[1747] a means of sending communications to users;

[1748] A system including:

[1749] (Claim 2)

[1750] 10. The system of claim 1, further comprising means for retrieving transaction information from the user's financial institution account in real time through a financial institution API, and parsing and categorizing the income and expense data.

[1751] (Claim 3)

[1752] 10. The system of claim 1, further comprising means for generating tax documents based on information regarding recent tax law changes and deductions to automate the income tax filing process. [Explanation of symbols]

[1753] 10, 210, 310, 410 Data Processing Systems 12 Data Processing Device 14 Smart Devices 214 Smart Glasses 314 Headset-type terminal 414 Robot< / url:> < / url:> < / url:> < / url:>

Claims

1. A means of collecting income, expenditure and savings data in conjunction with users' smart devices; A method for analyzing images of receipts and invoices using OCR technology and extracting text data; means for analyzing voice input using voice recognition technology to generate income and expense data; A means of obtaining account transaction data using bank APIs, means for storing and analyzing the acquired data; A way to automatically create a budget based on your priorities and financial goals; A means to generate the necessary tax documents and automate income tax filing; a means for sending notifications to users; A system including:

2. 10. The system of claim 1, further comprising means for retrieving transaction information from a user's bank account in real time through a bank API and analyzing and categorizing income and expense data.

3. 10. The system of claim 1, further comprising means for generating tax documents based on information regarding recent tax law changes and deductions to automate the income tax filing process.

Images