System

Abstract

A system is provided.SOLUTION: A system, comprising: means for obtaining information about a user; means for presenting merits and demerits of different interest rate types; means for calculating and presenting a plurality of loan options; means for generating and proposing a repayment plan; means for explaining importance and influence factors of credit scores; and means for collecting and displaying review criteria of a plurality of financial institutions.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] Describe the "problem that the invention aims to solve" and the "means for solving the problem."

[0005] Choosing a mortgage involves a wide range of factors, making it difficult for the average user to make the optimal choice. There is a lot of information that requires specialized knowledge, such as interest rate fluctuations, repayment plans, and the importance of credit scores, which can make it difficult for users to select the appropriate loan plan. Furthermore, differences in screening criteria between financial institutions add to the complexity, making it difficult for users to understand and select the optimal financial institution and loan options. This can result in lower success rates and disadvantages for users. [Means for solving the problem]

[0006] The present invention provides a real estate loan selection support system that includes means for acquiring information about a user and presenting the advantages and disadvantages of different interest rate types, means for calculating and presenting multiple loan options, means for generating and proposing an optimal repayment plan, means for explaining the importance of credit scores and their influencing factors, and means for collecting and displaying the screening criteria of multiple financial institutions. This makes it easier for users to select the optimal loan plan based on the information provided, thereby improving the success rate and enabling the selection of an appropriate loan plan. Furthermore, by including means for evaluating loan options based on interest rate information for each financial institution and presenting them in a ranking format, users can easily compare each option and make the optimal selection. Furthermore, by including means for automatically generating and presenting an optimal repayment plan based on the user's budget and repayment period, a repayment plan suited to each individual user is provided.

[0007] "User information" in the housing loan selection support system refers to personal and financial information such as the user's annual income, family composition, and debt status.

[0008] "Interest rate type" refers to the types of fixed and variable interest rates on a mortgage loan.

[0009] "Loan options" refers to a variety of mortgage plans, including different interest rates, fixed interest rates, and repayment plans.

[0010] "Repayment plan" refers to a mortgage repayment schedule and detailed repayment method that is generated based on the user's budget and repayment period.

[0011] A "credit score" is a numerical value calculated based on a user's credit history and credit information, and is an indicator used by financial institutions when screening customers for loans.

[0012] "Financial institution" refers to an entity or organization that provides mortgage loans, such as a bank or credit union.

[0013] "Qualification criteria" refers to the criteria that financial institutions use to evaluate mortgage applications when accepting them, and includes indicators such as the user's credit score, income, and debt status.

[0014] "Ranking format" refers to a format in which multiple loan options and financial institutions are evaluated and presented in order of most suitable. [Brief explanation of the drawings]

[0015] [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

[0016] 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.

[0017] First, the terms used in the following description will be explained.

[0018] 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).

[0019] 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.

[0020] 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.

[0021] 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.

[0022] 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."

[0023] [First embodiment]

[0024] FIG. 1 shows an example of the configuration of a data processing system 10 according to the first embodiment.

[0025] 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.

[0026] 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).

[0027] 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.

[0028] 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.

[0029] 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.

[0030] 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.

[0031] FIG. 2 shows an example of the main functions of the data processing device 12 and the smart device 14.

[0032] 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.

[0033] 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.

[0034] 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.

[0035] 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."

[0036] overview

[0037] The present invention relates to a real estate loan selection support system that supports users in selecting the most suitable mortgage loan plan. The system begins with the user inputting their personal information, and then explains fixed and variable interest rates, presents and evaluates multiple loan options, creates and proposes repayment plans, explains credit scores, and presents financial institution screening criteria.

[0038] Program processing overview

[0039] User Registration and Login

[0040] A user accesses the system from a device (PC or smartphone) and registers by entering basic information such as name, email address, and password. The server receives the entered information and registers the user as a new user in the database. After registration is complete, the user accesses the system from the login screen using their email address and password. The server checks the entered authentication information and, if correct, redirects the user to their profile page.

[0041] Collection of User Information

[0042] After logging in, the server displays a questionnaire on the user's terminal to collect information such as annual income, family composition, current debt status, etc. The user answers these questions and submits the information. The server receives the submitted information and stores it in a database.

[0043] Fixed and variable interest rates explained

[0044] The server displays an explanation of fixed and variable interest rates, including their respective advantages and disadvantages, on the terminal. The user reads the information provided to deepen their understanding.

[0045] Present and evaluate different loan options

[0046] The server analyzes the stored user information and calculates different loan options, such as interest rates and fixed interest rates. The calculation results are displayed on the terminal and presented to the user. In addition, the server collects the latest interest rate information provided by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranking format.

[0047] Generate and propose repayment plans

[0048] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user enters the additional information and submits it. The server generates an optimal repayment plan based on the provided information, displays it on the terminal, and proposes it to the user. The user can review the generated repayment plan and select it if they are satisfied.

[0049] Providing credit score information

[0050] The server displays an explanation of the importance of credit scores and the factors that influence them on the terminal. The user reads and understands the information provided and learns how credit scores affect loan approval.

[0051] Providing information on screening criteria for banks and financial institutions

[0052] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[0053] Specific examples

[0054] Example 1: A man in his 40s with an annual income of 5 million yen

[0055] If this user is looking for a new loan, after initial registration, they enter their annual income and family composition information. The server provides the user with an explanation of fixed and variable interest rates, which the user understands. Next, the server calculates the interest rate and adjustable interest rate options and presents them to the user. The server suggests Financial Institution A as the best option, and the user confirms the repayment plan proposed by the server. The user then checks their credit score and Financial Institution A's screening criteria and undergoes screening.

[0056] Example 2: A couple in their 30s who both earn ¥8 million a year

[0057] If this couple is looking for a new loan, after initial registration they enter their annual income and family composition information. The server provides the couple with an explanation of fixed and variable interest rates, which they understand. Next, based on the optimal interest rate information, the server determines that a variable interest rate offers the greatest benefits and presents it to the couple. As a repayment plan, it generates and proposes a long-term repayment plan that also takes into account the cost of their children's education and future expenses. The couple check their credit scores and Financial Institution B's screening criteria, and undergo screening.

[0058] In this way, users can more easily select the best mortgage loan based on their individual needs.

[0059] The processing flow will be explained below.

[0060] Step 1:

[0061] Users access the system from their terminal and register by entering basic information such as their name, email address, and password.

[0062] Step 2:

[0063] The server receives the entered information and registers the new user in the database. After the registration is complete, the server sends a registration completion message to the terminal.

[0064] Step 3:

[0065] Users access the system through a login screen using their email address and password.

[0066] Step 4:

[0067] The server verifies the entered credentials and, if correct, redirects the user to their profile page.

[0068] Step 5:

[0069] The server displays a questionnaire on the terminal to collect information such as the user's annual income, family composition, and current debt situation.

[0070] Step 6:

[0071] The user answers these questions and submits the information.

[0072] Step 7:

[0073] The server receives the information and stores it in a database.

[0074] Step 8:

[0075] The server displays an explanation on the terminal, including the advantages and disadvantages of fixed and variable interest rates.

[0076] Step 9:

[0077] The user reads and understands the information provided.

[0078] Step 10:

[0079] The server performs analysis based on the stored user information and calculates different loan options such as interest rates and fixed interest rates.

[0080] Step 11:

[0081] The server displays the calculation results on the terminal and presents loan options to the user.

[0082] Step 12:

[0083] The server collects the latest interest rate information offered by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranked format.

[0084] Step 13:

[0085] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period.

[0086] Step 14:

[0087] The user enters and submits additional information.

[0088] Step 15:

[0089] The server generates an optimal repayment plan based on the provided information and displays it on the terminal to suggest to the user.

[0090] Step 16:

[0091] The user checks the generated repayment plan and selects it if they are satisfied.

[0092] Step 17:

[0093] The server displays an explanation on the terminal about the importance of the credit score and the factors that influence it.

[0094] Step 18:

[0095] Users read the information provided and understand how their credit score affects their loan application.

[0096] Step 19:

[0097] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal.

[0098] Step 20:

[0099] Based on the information provided, users can compare and consider the screening criteria of each financial institution.

[0100] These are the specific processing steps of the program, which allow the user to efficiently select the most suitable mortgage loan.

[0101] Example 1

[0102] 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."

[0103] In the current mortgage market, it is difficult for users to easily and efficiently select the loan plan that best suits them. In particular, it is difficult to understand the difference between fixed and variable interest rates and their respective advantages and disadvantages, and it is time-consuming to compare the terms of different financial institutions. Furthermore, creating an optimal repayment plan based on the user's credit score, income, and repayment period is also time-consuming. A system that solves these issues is needed.

[0104] 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.

[0105] In this invention, the server includes means for acquiring information about the user, means for presenting the advantages and disadvantages of different interest rate types, means for calculating and presenting multiple loan options, means for collecting financial institution information and providing the optimal option, means for generating and proposing a repayment plan, means for explaining the importance of credit scores and influencing factors, means for collecting and displaying the screening criteria of multiple financial institutions, and means for user registration and login via a terminal. This enables the user to easily and efficiently select the optimal mortgage plan based on their own information.

[0106] "User information" refers to personal information about the user, such as annual income, family composition, and debt status.

[0107] "Interest rate type" refers to the type of fixed and variable interest rate that applies to the loan.

[0108] "Loan options" refers to a selection of multiple loan plans presented to the user.

[0109] "Financial institution information" refers to information such as each financial institution's loan terms, interest rates, and screening criteria.

[0110] "Repayment plan" refers to a specific schedule and amount for a user to repay a loan.

[0111] A "credit score" is a numerical indicator of a user's creditworthiness and refers to factors that affect loan screening.

[0112] "Screening criteria" refers to the evaluation criteria used by financial institutions when providing loans.

[0113] "Terminal" refers to a device such as a computer or smartphone that a user uses to access the system.

[0114] "Server" refers to a central computer system for processing information sent by users and providing the necessary data.

[0115] "Ranking format" refers to a display method in which multiple options are arranged in order of merit based on specific criteria.

[0116] This invention relates to a real estate loan selection support system, which supports a series of processes for users to select the most suitable mortgage loan plan. This system is mainly composed of three entities: a server, a terminal, and a user.

[0117] 1. User Registration and Login

[0118] A user accesses the system from a device (PC or smartphone) and registers by entering basic information such as the requested name, email address, and password. The server receives the information sent by the user and registers the user as a new user in the database. After registration is complete, the server sends the user a confirmation email, and the user clicks the link in the email to activate their account. After activation, the user accesses the system from the login screen using their email address and password. The server checks the entered authentication information, and if it is correct, redirects the user to their profile page.

[0119] 2. Collection of User Information

[0120] After logging in, the server displays a questionnaire on the user's terminal, asking about annual income, family composition, current debt status, etc. The user answers these questions and submits the information via the terminal. The server stores the received information in a database.

[0121] 3. Explanation of fixed and variable interest rates

[0122] The server creates text explaining the advantages and disadvantages of fixed and variable interest rates, sends it to the terminal, and displays it. The user reads the provided information to deepen their understanding.

[0123] 4. Present and evaluate different loan options

[0124] The server calculates different loan options, such as interest rates and fixed interest rates, based on the saved user information. This involves collecting and analyzing the latest interest rate information from financial institutions. The results of the calculation and analysis are sent to the terminal in a ranking format and presented to the user. The user can then compare and consider the best loan options based on the presented information.

[0125] 5. Generate and propose repayment plans

[0126] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user fills in the form and presses the submit button. The server generates a repayment plan based on the received information and sends the result to the terminal to propose to the user. The user can review the generated repayment plan and select it if they are satisfied.

[0127] 6. Providing credit score information

[0128] The server creates an explanation about the importance of credit scores and the factors that influence them, and sends it to the terminal for display. The user reads the provided information and understands the importance of credit scores.

[0129] 7. Providing information on the screening criteria of banks and financial institutions

[0130] The server collects and analyzes the screening criteria information of each financial institution. The results are sent to the terminal and displayed to the user. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[0131] Specific examples

[0132] Example 1: A man in his 40s with an annual income of 5 million yen

[0133] 1. The user performs initial registration on the terminal and enters information such as annual income and family composition.

[0134] 2. The server stores this information and provides the user with an explanation of fixed and variable interest rates.

[0135] 3. The user understands the instructions and reviews the different loan options offered by the server.

[0136] 4. The server proposes Financial Institution A as the best option, and the user confirms the proposed repayment plan.

[0137] 5. The user checks their credit score and Financial Institution A's screening criteria and undergoes screening.

[0138] Example 2: A couple in their 30s who both earn ¥8 million a year

[0139] 1. The couple completes the initial registration on their device and enters their annual income and family composition information.

[0140] 2. The server stores this information and provides an explanation of fixed and variable interest rates.

[0141] 3. Based on the optimal interest rate information, the server determines that a variable interest rate offers the greatest benefits and presents it to the couple.

[0142] 4. The couple reviews the proposed repayment plan and selects a long-term repayment plan that takes into account their children's education expenses and future expenses.

[0143] 5. The couple checks their credit score and Financial Institution B's screening criteria and undergoes screening.

[0144] Prompt Sentence Examples

[0145] "In a system that helps a man in his 40s with an annual income of 5 million yen select the most suitable mortgage plan, what information would he input and what process would he go through to select the most suitable loan? Please explain with concrete examples."

[0146] "Please explain with a concrete example what steps the system takes to collect information and how it proposes a repayment plan for a dual-income couple in their 30s with an annual income of 8 million yen, taking into account future educational expenses and other expenses, in order to create an optimal repayment plan."

[0147] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0148] Step 1: User Registration and Login

[0149] 1. The user accesses the system from a terminal and enters their name, email address, and password.

[0150] 2. The terminal sends the entered information to the server.

[0151] 3. The server stores the received information in its database and registers the new user.

[0152] 4. After the server completes registration, it sends a confirmation email to the user, which contains a link to activate the account.

[0153] 5. The user clicks on the link in the confirmation email to activate their account.

[0154] 6. The user accesses the system again through the login screen using their email address and password.

[0155] 7. The server validates the entered credentials and, if correct, redirects the user to their profile page.

[0156] Input: User's name, email address, and password

[0157] Output: User account activated, profile page accessed

[0158] Step 2: Collect user information

[0159] 1. After logging in, the server displays a questionnaire on the user's terminal, asking questions such as annual income, family composition, and current debt situation.

[0160] 2. The user enters the answer into the displayed question form and clicks the submit button.

[0161] 3. The terminal sends the entered information to the server.

[0162] 4. The server stores the received information in a database.

[0163] Input: User information such as annual income, family composition, debt status, etc.

[0164] Output: User information stored in the database

[0165] Step 3: Explain fixed and variable interest rates

[0166] 1. The server creates text data explaining the advantages and disadvantages of fixed and variable interest rates.

[0167] 2. The server sends this text data to the terminal.

[0168] 3. The terminal displays the text data and presents it to the user in a readable format.

[0169] 4. The user reads the displayed information and deepens their understanding.

[0170] Input: Text data on the advantages and disadvantages of fixed and variable interest rates

[0171] Output: Information displayed in a user-friendly format

[0172] Step 4: Present and evaluate different loan options

[0173] 1. The server starts calculating loan options based on the saved user information. It sets values ​​such as interest rates and interest adjustments and performs calculations.

[0174] 2. The server collects the latest interest rate information from multiple financial institutions and sends the analysis results to the terminal.

[0175] 3. The terminal displays the calculation and analysis results to the user in a ranking format.

[0176] 4. Based on the information presented, the user compares and considers the best loan options.

[0177] Input: User's annual income, debt status, latest interest rate information from multiple financial institutions

[0178] Output: A ranked list of loan options

[0179] Step 5: Generate and propose a repayment plan

[0180] 1. The server displays an additional form on the terminal to obtain additional information such as the user's budget and repayment period.

[0181] 2. The user enters the required information into the add form and clicks the submit button.

[0182] 3. The terminal sends the entered information to the server.

[0183] 4. The server generates an optimal repayment plan based on the provided information and sends the results to the terminal.

[0184] 5. The terminal displays the generated repayment plan to the user.

[0185] 6. The user reviews the proposed repayment plan and selects it if they are satisfied.

[0186] Input: Detailed information such as user's budget, repayment period, etc.

[0187] Output: The optimal repayment plan displayed.

[0188] Step 6: Provide your credit score information

[0189] 1. The server creates a description of the importance and influencing factors of the credit score.

[0190] 2. The server sends the created description to the terminal.

[0191] 3. The device displays the explanatory text and provides it in a format that the user can understand.

[0192] 4. The user reads the information provided and understands the importance of credit scores.

[0193] Input: A description of the importance and influencing factors of the credit score

[0194] Output: Credit score information displayed to the user

[0195] Step 7: Providing information on the screening criteria of banks and financial institutions

[0196] 1. The server collects and analyzes the screening criteria information of each financial institution.

[0197] 2. The server sends the analysis results to the terminal.

[0198] 3. The terminal displays the collected and analyzed screening criteria information to the user.

[0199] 4. Based on the information provided, the user compares and considers the screening criteria of each financial institution.

[0200] Input: Financial institution's screening criteria information

[0201] Output: Parsed review criteria information displayed to the user

[0202] This series of processing steps allows the user to easily and efficiently select the optimal mortgage plan based on their own information.

[0203] (Application example 1)

[0204] 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."

[0205] In recent years, users have had difficulty selecting the most suitable loan plan for themselves when choosing a real estate loan. In particular, there is a lack of systems that provide optimal loan options while adequately protecting users' personal information. Furthermore, insufficient security in handling user information increases the risk of personal information leaks, which could lead to unauthorized use. For this reason, there is a need for systems that handle information more safely and efficiently.

[0206] 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.

[0207] In this invention, the server includes means for acquiring information about the user, means for presenting the advantages and disadvantages of different interest rate types, means for calculating and presenting multiple loan options, means for generating and proposing a repayment plan, means for explaining the importance of credit scores and influencing factors, means for collecting and displaying the screening criteria of multiple financial institutions, means for encrypting user information and storing it in a database, and means for user registration and login using two-factor authentication. This enables the user to select the optimal mortgage plan while protecting their personal information.

[0208] The "means for acquiring information about the user" refers to a system or device for collecting personal information such as the user's annual income, family structure, and debt situation.

[0209] A "means for presenting the advantages and disadvantages of different interest rate types" is a system or device for explaining the characteristics, advantages, and disadvantages of different interest rate types, such as fixed interest rates and variable interest rates.

[0210] A "means for calculating and presenting multiple loan options" is a system or device for calculating different loan options and presenting the results to a user.

[0211] The "means for generating and proposing a repayment plan" is a system or device for automatically generating an optimal repayment plan based on the user's budget and repayment period and proposing it to the user.

[0212] A "means for explaining the importance of credit scores and the factors that influence them" is a system or device for explaining how credit scores affect mortgage loan approval.

[0213] The "means for collecting and displaying the screening criteria of a plurality of financial institutions" is a system or device for collecting the screening criteria required by a plurality of financial institutions and displaying them in a format that is easy for the user to see.

[0214] "Means for encrypting user information and storing it in a database" refers to a system or device that uses encryption technology to protect users' personal information and safely store it in a database.

[0215] A "means for user registration and login using two-factor authentication" is a system or device for user registration and login that provides enhanced security by requiring an additional authentication code in addition to a password when a user accesses the system.

[0216] This invention provides a system that supports users in selecting the most suitable mortgage plan, and is mainly composed of a server, a terminal, and a user.

[0217] System Program

[0218] 1. User Registration and Login

[0219] Users access the system from their device (PC or smartphone) and register by entering basic information such as their name, email address, and password. At this time, security is enhanced by introducing two-factor authentication (2FA). The server receives the entered information and registers the user as a new user in the database. After registration is complete, the user accesses the system from the login screen using their email address, password, and the 2FA authentication code. The server verifies the entered authentication information, and if it is correct, redirects the user to their profile page.

[0220] 2. Collection of User Information

[0221] After logging in, the server displays a questionnaire on the user's terminal to collect information such as annual income, family composition, current debt status, etc. The user answers these questions and submits the information. The server receives the submitted information, encrypts the data using encryption technology (e.g., Fernet), and stores it securely in a database.

[0222] 3. Explanation of fixed and variable interest rates

[0223] The server displays an explanation of fixed and variable interest rates, including their respective advantages and disadvantages, on the terminal. The user reads the information provided to deepen their understanding.

[0224] 4. Present and evaluate different loan options

[0225] The server analyzes the stored user information and calculates different loan options, such as interest rates and fixed interest rates.These calculation results are displayed on the terminal and presented to the user.The server also collects the latest interest rate information provided by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranked format.

[0226] 5. Generate and propose repayment plans

[0227] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user enters the additional information and submits it. The server generates an optimal repayment plan based on the provided information, displays it on the terminal, and proposes it to the user. The user can review the generated repayment plan and select it if they are satisfied.

[0228] 6. Providing credit score information

[0229] The server displays an explanation of the importance of credit scores and the factors that influence them on the terminal. The user reads and understands the information provided and learns how credit scores affect loan approval.

[0230] 7. Providing information on the screening criteria of banks and financial institutions

[0231] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[0232] Hardware and software used

[0233] This system is based on a server using the Django framework, Fernet encryption technology used to encrypt user information, an OTP generation library to realize two-factor authentication, and an email sending function. The server manages user data using a database (e.g., PostgreSQL).

[0234] Specific examples

[0235] Example 1: A man in his 40s with an annual income of 5 million yen

[0236] If this user is looking for a new loan, after initial registration, they enter their annual income and family composition information. The server provides the user with an explanation of fixed and variable interest rates, which the user understands. Next, the server calculates loan options with different interest rates and adjustable interest rates and presents them to the user. The server suggests Financial Institution A as the best option, and the user confirms the repayment plan proposed by the server. The user then checks their credit score and Financial Institution A's screening criteria and undergoes screening.

[0237] Example 2: A couple in their 30s who both earn ¥8 million a year

[0238] If this couple is looking for a new loan, after initial registration they enter their annual income and family composition information. The server provides the couple with an explanation of fixed and variable interest rates, which they understand. Next, based on the optimal interest rate information, the server determines that a variable interest rate offers the greatest benefits and presents it to the couple. As a repayment plan, it generates and proposes a long-term repayment plan that also takes into account the cost of their children's education and future expenses. The couple check their credit scores and Financial Institution B's screening criteria, and undergo screening.

[0239] Example prompts to input to the generative AI model

[0240] "As a requirement for developing a mortgage selection support system, please tell me how to encrypt and store annual income, family composition, and debt status."

[0241] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0242] Step 1:

[0243] User Registration and Login

[0244] The terminal displays a screen for entering the user's name, email address, and password. When the user enters this information and presses the submit button, an authentication code for two-factor authentication (2FA) is generated and sent to the user's email address. The server receives this information, hashes the user's password using SHA-256, and stores it in a database. The user enters the authentication code sent to their email address and sends the email address, hashed password, and authentication code to the server. The server verifies that the authentication code is correct, and if so, redirects the user to their profile page.

[0245] Input: User's name, email address, password, and two-factor authentication code

[0246] Output: Save registered user information to the database and display the profile page when login is successful

[0247] Step 2:

[0248] Collection of User Information

[0249] After logging in, the terminal displays a form for the user to enter information such as annual income, family composition, current debt status, etc. When the user enters this information and presses the submit button, the server receives the information. The server then encrypts the user's information using Fernet encryption technology and stores it securely in a database.

[0250] Input: User information such as annual income, family composition, debt status, etc.

[0251] Output: Encrypted user information stored in a database

[0252] Step 3:

[0253] Fixed and variable interest rates explained

[0254] The server creates text explaining the advantages and disadvantages of fixed and variable interest rates and sends it to the terminal. The terminal displays this information and provides an interface for the user to deepen their understanding. The user reads the presented information and deepens their understanding.

[0255] Input: None (or static text on the server side)

[0256] Output: Display of explanation of advantages and disadvantages of fixed and variable interest rates

[0257] Step 4:

[0258] Present and evaluate different loan options

[0259] The server analyzes the collected user information and calculates different loan options, such as interest rates and fixed interest rates. The calculation results are sent to the terminal and presented to the user. The server also collects the latest interest rate information from multiple financial institutions, evaluates the optimal loan options based on the analysis results, and presents them to the user in a ranked format.

[0260] Input: Collected user information, interest rate information from financial institutions

[0261] Output: Best loan options and ranking

[0262] Step 5:

[0263] Generate and propose repayment plans

[0264] The server displays a form on the terminal to obtain additional information such as the user's budget and repayment period. When the user enters the additional information and presses the submit button, the server receives it and generates an optimal repayment plan based on the obtained information. The generated repayment plan is sent to the terminal and presented to the user. The user can review the presented repayment plan and select it if they are satisfied.

[0265] Input: Additional information such as user budget, repayment period, etc.

[0266] Output: Optimal repayment plan

[0267] Step 6:

[0268] Providing credit score information

[0269] The server sends text to the terminal explaining the importance of credit scores and the factors that influence them. The terminal displays this text and provides an interface for the user to deepen their understanding of credit scores. The user reads the provided information and deepens their understanding of the impact credit scores have on loan applications.

[0270] Input: None (or static text on the server side)

[0271] Output: Display of explanatory text about the importance of the credit score and the factors that influence it

[0272] Step 7:

[0273] Providing information on screening criteria for banks and financial institutions

[0274] The server collects the screening criteria of each financial institution and sends the analysis results to the terminal. The terminal displays the results and provides an interface that allows the user to compare the screening criteria of each financial institution. Based on the information provided, the user can understand the screening criteria of each financial institution and select the financial institution that is best suited to them.

[0275] Input: Financial institution's screening criteria information

[0276] Output: Presentation of financial institution's screening criteria

[0277] 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.

[0278] overview

[0279] The present invention relates to a real estate loan selection support system, and in particular to a system incorporating an emotion engine that recognizes user emotions in real time to support users in selecting the most suitable mortgage plan. The system allows users to input their own information, and then explains fixed and variable interest rates, presents and evaluates multiple loan options, creates and proposes repayment plans, explains credit scores, presents financial institutions' screening criteria, and displays information and support according to the user's emotional state.

[0280] Program processing overview

[0281] User Registration and Login

[0282] A user accesses the system from a device (PC or smartphone) and registers by entering basic information such as name, email address, and password. The server receives the entered information and registers the user as a new user in the database. After registration is complete, the user accesses the system from the login screen using their email address and password. The server checks the entered authentication information and, if correct, redirects the user to their profile page.

[0283] Collection of User Information

[0284] After logging in, the server displays a questionnaire on the user's terminal to collect information such as annual income, family composition, current debt status, etc. The user answers these questions and submits the information. The server receives the submitted information and stores it in a database.

[0285] Fixed and variable interest rates explained

[0286] The server displays an explanation of fixed and variable interest rates, including their respective advantages and disadvantages, on the terminal. The user reads the information provided to deepen their understanding.

[0287] Present and evaluate different loan options

[0288] The server analyzes the stored user information and calculates different loan options, such as interest rates and fixed interest rates. The calculation results are displayed on the terminal and provided to the user. In addition, the server collects the latest interest rate information offered by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranking format.

[0289] Generate and propose repayment plans

[0290] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user enters the additional information and submits it. The server generates an optimal repayment plan based on the provided information, displays it on the terminal, and proposes it to the user. The user can review the generated repayment plan and select it if they are satisfied.

[0291] Providing credit score information

[0292] The server displays an explanation of the importance of credit scores and the factors that influence them on the terminal. The user reads the provided information and understands how credit scores affect loan approval.

[0293] Providing information on screening criteria for banks and financial institutions

[0294] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[0295] User Emotion Recognition

[0296] The server uses an emotion engine to recognize the user's emotional state in real time while the user is using the system through the terminal. The emotion engine uses devices such as a camera and microphone to analyze the user's facial expressions and tone of voice.

[0297] Emotion-based information regulation

[0298] The server adjusts the displayed information based on the user's perceived emotional state. For example, if the user is feeling anxious or stressed, the server will display more detailed explanations or reassuring messages. Conversely, if the user is feeling confident or at ease, the server will display information encouraging them to take the next step.

[0299] Specific examples

[0300] Example 1: A man in his 40s with an annual income of 5 million yen

[0301] If this user is looking for a new loan, after initial registration they will enter information such as annual income and family composition. The server will provide the user with an explanation of fixed and variable interest rates, which the user will understand. Next, the server will calculate the interest rate and adjustable interest rate options and present them to the user. The server will suggest Financial Institution A as the optimal option, and the user will confirm the repayment plan proposed by the server. During this process, if the emotion engine detects any concerns from the user, the server will provide more detailed explanations and display additional information to resolve any doubts. The user will then check their credit score and Financial Institution A's screening criteria and undergo screening.

[0302] Example 2: A couple in their 30s who both earn ¥8 million a year

[0303] If this couple is looking for a new loan, after initial registration they will enter their annual income and family composition information. The server will provide the couple with an explanation of fixed and variable interest rates, which they will understand. Next, based on the optimal interest rate information, the server will determine that a variable interest rate offers the greatest benefits and present it to the couple. As a repayment plan, it will generate and propose a long-term repayment plan that also takes into account future expenses such as the children's education. If the emotion engine detects that the couple feels at ease, the server will display information encouraging them to proceed to the next step, and the couple will review and select a repayment plan. The couple will then check their credit score and Financial Institution B's screening criteria and undergo screening.

[0304] In this way, the system of the present invention can efficiently assist in selecting the most suitable mortgage loan while taking into account the user's emotional state.

[0305] The processing flow will be explained below.

[0306] Step 1:

[0307] The user registers by entering basic information such as name, email address, and password from the terminal.

[0308] Step 2:

[0309] The server receives the entered information and registers the user as a new user in the database. After the registration is complete, the server sends a registration completion message to the terminal.

[0310] Step 3:

[0311] Users access the system through a login screen using their email address and password.

[0312] Step 4:

[0313] The server verifies the entered credentials and, if correct, redirects the user to the profile page.

[0314] Step 5:

[0315] The server displays a questionnaire form on the terminal to collect information such as the user's annual income, family composition, and current debt situation.

[0316] Step 6:

[0317] The user fills out the inquiry form and submits the required information.

[0318] Step 7:

[0319] The server receives the transmitted information and stores it in a database.

[0320] Step 8:

[0321] The server displays an explanation on the terminal, including the advantages and disadvantages of fixed and variable interest rates.

[0322] Step 9:

[0323] The user reads the explanations through the terminal and understands which type is best for them.

[0324] Step 10:

[0325] The server performs analysis based on the stored user information and calculates different loan options such as interest rates and fixed interest rates.

[0326] Step 11:

[0327] The server displays the calculation results on the terminal and presents loan options to the user.

[0328] Step 12:

[0329] The server collects the latest interest rate information provided by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranking format.

[0330] Step 13:

[0331] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period.

[0332] Step 14:

[0333] The user enters and submits the additional information.

[0334] Step 15:

[0335] The server generates an optimal repayment plan based on the provided information and displays it on the terminal to suggest to the user.

[0336] Step 16:

[0337] The user checks the generated repayment plan and selects it if he is fully satisfied.

[0338] Step 17:

[0339] The server displays a document on the terminal that explains the importance of credit scores and the factors that influence them.

[0340] Step 18:

[0341] Users read and understand the information provided and learn how their credit score affects their loan application.

[0342] Step 19:

[0343] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal.

[0344] Step 20:

[0345] Based on the information provided, the user compares and considers the screening criteria of each financial institution.

[0346] Step 21:

[0347] The server uses the emotion engine to recognize the user's emotional state in real time while the user is using the system through the terminal.

[0348] Step 22:

[0349] The emotion engine uses devices such as cameras and microphones to analyze the user's facial expressions and tone of voice.

[0350] Step 23:

[0351] The server then tailors the information displayed based on the user's perceived emotions: for example, if the user is feeling anxious or stressed, the server displays additional detailed explanations or reassuring messages.

[0352] Step 24:

[0353] Conversely, if the user feels confident and at ease, the server displays information encouraging them to proceed to the next step.

[0354] The above is the flow of processing in the real estate loan selection support system, which enables users to efficiently select the most suitable home loan.

[0355] Example 2

[0356] 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."

[0357] Conventional mortgage selection support systems often provide information without considering the user's emotional state, which can make it difficult for users to make appropriate decisions if they feel anxious or stressed. Furthermore, it can be difficult to present loan options and repayment plans that fit a user's individual requirements, which can prevent them from making the optimal choice. This can lead to users being unable to select the optimal loan and potentially signing a contract under unfavorable terms.

[0358] 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.

[0359] In this invention, the server includes means for acquiring information about the user, means for presenting the advantages and disadvantages of different interest rate types, means for calculating and presenting multiple loan options, means for generating and proposing repayment plans, means for explaining the importance of credit scores and influencing factors, means for collecting and displaying the screening criteria of multiple financial institutions, and means for recognizing the emotional state of the user and adjusting the information to be displayed based on the recognized emotion. This enables support for selecting a home loan that takes the user's emotional state into consideration, and provides efficient and reassuring support for the user to select the optimal loan plan.

[0360] "Information about the user" refers to personal data such as the user's attributes, financial situation, family structure, and debt status.

[0361] "Advantages and disadvantages of different interest rate types" refers to information that explains the respective advantages and disadvantages of fixed and variable interest rates.

[0362] "Loan Options" refers to the multiple mortgage plan choices offered to the user.

[0363] "Repayment plan" refers to a plan that indicates the specific schedule and amount for the user to repay the loan.

[0364] A "credit score" is a numerical value that evaluates a user's credit risk and refers to factors that affect loan screening.

[0365] "Financial institution screening criteria" refers to the evaluation criteria and conditions used by multiple financial institutions when screening loan applications.

[0366] "User's emotional state" refers to the emotions or psychological state (e.g., anxiety, relief, etc.) that a user feels when receiving information.

[0367] "Adjusting displayed information based on emotions" refers to changing the content and presentation of information provided in accordance with the recognized emotional state of the user.

[0368] overview

[0369] The present invention relates to a real estate loan selection support system, and in particular, incorporates an emotion engine that recognizes user emotions in real time. This system supports users in selecting the optimal mortgage plan, explains fixed and variable interest rates, presents and evaluates multiple loan options, generates and proposes repayment plans, explains credit scores, presents financial institution screening criteria, and displays information and support according to the user's emotional state.

[0370] Hardware and software used

[0371] The system uses the following hardware and software:

[0372] Hardware

[0373] Terminal (PC, smartphone): Used by users to enter information and check results.

[0374] Camera: Captures the user's facial expressions in real time.

[0375] Microphone: Captures the tone of the user's voice.

[0376] software

[0377] Server: Processes and manages data. For example, using Apache or Nginx.

[0378] Database: Stores user information, for example using MySQL or PostgreSQL.

[0379] Emotion engine: Recognizes the user's emotional state, for example using Microsoft Azure Emotion API or Google Cloud's Speech-to-Text.

[0380] Data processing and calculation

[0381] The main processing flow of the system is as follows:

[0382] 1. User registration: The user enters their name, email address, and password on their device and submits the information. The server receives this information and stores it in a database.

[0383] 2. Login authentication: When a user enters their email address and password on the login screen, the server verifies this and, if correct, creates a session and redirects the user to their profile page.

[0384] 3. Collecting user information: The server displays questions such as annual income and family composition on the terminal and stores the information the user answers in a database.

[0385] 4. Explanation of fixed and variable interest rates: The server generates an explanation of the advantages and disadvantages and sends it to the terminal.

[0386] 5. Presentation and evaluation of loan options: The server calculates and evaluates various loan options based on the user information and displays them on the terminal.

[0387] 6. Generating and proposing a repayment plan: Once the user enters additional information, the server generates an optimal repayment plan and sends it to the terminal.

[0388] 7. Providing credit score information: The server explains the importance of the credit score and sends it to the terminal.

[0389] 8. Providing information on financial institution screening criteria: The server collects the screening criteria of multiple financial institutions and displays them on the terminal.

[0390] 9. User emotion recognition: The emotion engine uses the camera and microphone to recognize the user's emotional state in real time, and the server adjusts the displayed information accordingly.

[0391] Specific examples

[0392] Example 1: A man in his 40s with an annual income of 5 million yen

[0393] The user performs an initial registration and enters information such as annual income and family composition. The server provides an explanation of fixed and variable interest rates, which the user understands. The server then calculates various loan options and suggests Financial Institution A as the best option. The user checks the repayment plan, and if the emotion engine detects any concerns during the process, the server provides a more detailed explanation. The user then checks their credit score and Financial Institution A's screening criteria and undergoes screening.

[0394] Example 2: A couple in their 30s who both earn ¥8 million a year

[0395] The couple completes the initial registration and enters information such as annual income and family composition. The server provides an explanation of fixed and variable interest rates, which the couple understands. Next, the server determines that a variable interest rate has the greatest benefits based on the optimal interest rate information and presents it to the couple. As a repayment plan, it proposes a long-term repayment plan that also takes into account future expenses such as the children's education. If the emotion engine detects that the couple feels at ease, the server displays information encouraging them to proceed to the next step. The couple confirms the repayment plan, then checks their credit scores and Financial Institution B's screening criteria and undergoes screening.

[0396] In this way, the system of the present invention takes into account the user's emotional state and helps them select the most suitable mortgage loan efficiently and with peace of mind.

[0397] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0398] Step 1: User Registration

[0399] User operation: The user accesses the system from a device (PC or smartphone), enters their name, email address, and password, and clicks the registration button.

[0400] Enter your name, email address, and password.

[0401] Server processing: The server receives the entered user information, validates the input data, and if validation is successful, registers the new user in the database using an SQL query, generates a registration completion message, and sends it to the terminal.

[0402] Output: Registration successful message.

[0403] Step 2: Login and Authentication

[0404] User action: The user enters the email address and password they provided during registration into the login screen and clicks the login button.

[0405] Enter your email address and password.

[0406] Server action: The server receives the entered authentication information and checks it against the database. If the check is successful, it creates a session and redirects the user to their profile page. If the check is not successful, it generates an error message and sends it to the device.

[0407] Output: Redirect to profile page or error message.

[0408] Step 3: Collect user information

[0409] User operation: The user enters information such as annual income, family composition, and current debt status into the questionnaire form displayed on the terminal and clicks the submit button.

[0410] Input: Annual income, family composition, current debt situation.

[0411] Server processing: The server receives the input information, stores it in a database as properly formatted data, and generates a message indicating that the data has been saved and sends it to the terminal.

[0412] Output: Save complete message.

[0413] Step 4: Explain fixed and variable interest rates

[0414] Server processing: The server generates an explanation of the advantages and disadvantages of fixed and variable interest rates and sends it to the terminal.

[0415] Input: None.

[0416] User Action: The user reads the explanation displayed on the terminal and understands the difference between fixed and variable interest rates.

[0417] Output: Fixed and variable interest rate descriptions.

[0418] Step 5: Present and evaluate different loan options

[0419] Server processing: The server performs risk assessment based on the collected user information and calculates loan options such as interest rates and fixed interest rates. The calculation results are generated in a ranking format and sent to the terminal.

[0420] Input: User information (annual income, family composition, debt status) and the latest interest rate information from financial institutions.

[0421] User Action: The user reviews the loan options presented and selects the one that meets their requirements.

[0422] Output: A ranked list of loan options.

[0423] Step 6: Generate and propose a repayment plan

[0424] User Action: The user fills in the additional form with detailed information such as budget and repayment period and clicks the submit button.

[0425] Input: Budget, Repayment Period.

[0426] Server processing: The server generates an optimal repayment plan based on the provided information and sends it to the device. The server also includes a proposal for a plan that is suitable for the user.

[0427] Output: Optimal repayment plan proposal.

[0428] Step 7: Provide your credit score information

[0429] Server processing: The server generates an explanation of the importance of the credit score and the factors that influence it, and sends it to the terminal.

[0430] Input: None.

[0431] User Action: The user reads the information presented and understands how their credit score affects their loan application.

[0432] Output: A description of the credit score.

[0433] Step 8: Provide financial institution's screening criteria information

[0434] Server processing: The server collects information on screening criteria from multiple financial institutions and sends the analysis results to the terminal.

[0435] Input: Financial institution's screening criteria information.

[0436] User action: The user checks and compares the screening criteria of the financial institutions presented.

[0437] Output: A list of financial institution screening criteria.

[0438] Step 9: Recognizing User Emotions

[0439] Device behavior: The device's built-in camera and microphone capture the user's facial expressions and tone of voice in real time.

[0440] Input: Facial expression data, voice tone data.

[0441] Server processing: The server uses an emotion engine to analyze the captured data and recognize the user's emotional state. The server determines the next action based on the emotional data.

[0442] Output: The user's emotional state.

[0443] Step 10: Regulating Information Based on Emotions

[0444] Server processing: The server adjusts the displayed information based on the user's recognized emotional state. For example, if the user is feeling anxious, the server generates a more detailed explanation or a reassuring message and sends it to the device.

[0445] Input: The user's emotional state.

[0446] User Action: The user can either read through the displayed calibration information or be prompted to proceed to the next step.

[0447] Output: Emotionally tailored information.

[0448] (Application example 2)

[0449] 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."

[0450] In today's mortgage market, there are numerous options and complex interest rate options, making it extremely difficult for users to select the optimal loan plan. Anxiety and stress can also be a major problem for users when selecting a loan. To solve these issues, a system is needed that provides users with emotional support, helps them properly understand the information, and enables them to make the optimal choice.

[0451] 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 acquiring information about the user, means for presenting the advantages and disadvantages of different interest rate types, means for calculating and presenting multiple loan options, means for generating and proposing a repayment plan, means for explaining the importance of credit scores and influencing factors, means for collecting and displaying the screening criteria of multiple financial institutions, means for recognizing the user's emotional state in real time, means for adjusting and displaying information based on the emotional state, and display means for the user to compare mortgage information in a virtual environment. This enables the user to easily understand complex mortgage options and select the optimal loan plan while receiving emotional support.

[0452] "Information about the user" refers to information about the user's financial situation and lifestyle, such as annual income, family composition, and current debt status.

[0453] "Interest rate type" refers to different forms of interest rates, such as fixed and variable interest rates.

[0454] "Loan options" refers to mortgage options with multiple terms, such as different interest rates or fixed interest rates.

[0455] "Repayment plan" refers to a loan repayment schedule generated by the system based on the user's budget and repayment period.

[0456] A "credit score" is a numerical representation of a user's creditworthiness, and is an indicator used in loan screening.

[0457] "Financial institution screening criteria" refers to the standards and conditions used by multiple financial institutions when conducting loan screening.

[0458] "Emotional state" refers to emotions such as anxiety, relief, and confidence that are recognized in real time from the user's facial expressions and tone of voice.

[0459] "Virtual environment" refers to a virtual space that users access using smart glasses or a head-mounted display.

[0460] "Adjusting information" refers to changing the content and depth of information provided based on the user's emotional state.

[0461] "Display" refers to a mechanism that allows a user to visually compare and understand mortgage information within a virtual environment.

[0462] The present invention provides a real estate loan selection support system incorporating an emotion engine. In particular, the system supports users in selecting the most suitable mortgage plan by using smart glasses or the like to recognize emotions in real time in a virtual store.

[0463] System Overview

[0464] The system provides the following functionality through smart glasses worn by the user:

[0465] 1. User Information Collection:

[0466] The server acquires information from the user wearing the smart glasses, such as annual income, family composition, and current debt status. This information is entered by the user into the terminal.

[0467] 2. Interest rate type description:

[0468] The server visually presents the advantages and disadvantages of fixed and variable interest rates to the user through a virtual engine.

[0469] 3. Present loan options:

[0470] The server calculates multiple loan options based on the acquired user information and visually presents them in a virtual environment.

[0471] It also collects the latest interest rate information from financial institutions and presents users with the most suitable loan options in a ranked format.

[0472] 4. Generate and propose repayment plans:

[0473] The system automatically generates an optimal repayment plan by collecting detailed information about the user's budget and repayment period, and visually presents the results to the user through a virtual engine.

[0474] 5. Credit Score and Approval Criteria Explained:

[0475] The server explains the importance of credit scores and the screening criteria of each financial institution and displays this information to the user.

[0476] 6. Emotion recognition:

[0477] The server uses data from the smart glasses' camera and microphone to analyze the user's facial expressions and tone of voice, and an emotion engine recognizes the user's emotional state in real time.

[0478] 7. Information Coordination and Display:

[0479] The server then adjusts the information displayed based on the user's perceived emotional state, for example displaying additional detailed instructions if the user feels anxious, or providing next step information if the user feels reassured.

[0480] System configuration and operation

[0481] The system consists of the following hardware and software:

[0482] Hardware:

[0483] Smart glasses (with built-in camera, microphone, and display)

[0484] server

[0485] software:

[0486] Emotion Engine

[0487] Virtual Engine

[0488] Database

[0489] The server receives data from the smart glasses and uses the emotion engine to analyze the emotional state. Based on the results, the virtual engine displays appropriate information to the user.

[0490] Specific examples

[0491] Specific usage scenarios include the following examples:

[0492] 1. A man in his 40s with an annual income of 5 million yen looking for a new loan:

[0493] After initial registration, the user enters their information into the terminal. The server provides an explanation of fixed and variable interest rates and presents multiple loan options. If the emotion engine detects the user's concerns, the server provides additional detailed explanations. The user then checks their credit score and the financial institution's screening criteria, and undergoes screening.

[0494] 2. A couple in their 30s with an annual income of 8 million yen each looking for a new loan:

[0495] After initial registration, couples enter their detailed information. The server then presents the best variable interest rate loan options and suggests a repayment plan that takes future expenses into account. If the emotion engine detects a sense of security in the couple, it displays information for the next step, where the couple undergoes screening.

[0496] Example prompt sentence:

[0497] Scenarios where a user visits a virtual store:

[0498] A user is looking for a new mortgage. They put on smart glasses and enter a virtual environment. Facial expressions are analyzed to recognize the user's emotions, providing detailed explanations when they are anxious and helping them feel more at ease.

[0499] In this way, the system of the present invention can efficiently assist in selecting the most suitable mortgage loan while taking into account the user's emotional state.

[0500] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0501] Step 1:

[0502] A user puts on smart glasses and accesses a virtual store. A virtual avatar appears and guides the user. The user then performs initial registration and enters basic information such as name, email address, and password. The device sends this information to the server, which then registers the entered information as a new user in the database. This records the user information in the system, and the user is able to access the system.

[0503] Input: User's basic information (name, email address, password)

[0504] Output: New user registration completed

[0505] Specific operation: The user inputs information using the input device of the smart glasses, and the terminal sends the information to the server.

[0506] Step 2:

[0507] On the login screen, the user enters their email address and password to log in to the system. The server verifies the entered authentication information and, if correct, redirects the user to their profile page, allowing them to access each function of the system.

[0508] Input: User authentication information (email address, password)

[0509] Output: Login success / failure message, profile page displayed

[0510] Specific operation: The server checks the authentication information against the database and, if correct, performs a redirect.

[0511] Step 3:

[0512] After logging in, the server displays a questionnaire to the user to collect information such as annual income, family composition, and current debt status. The user answers these questions and submits the information via their terminal. The server receives the submitted information and stores it in a database. This allows the user's detailed financial information to be recorded in the system.

[0513] Input: User details (annual income, family composition, debt status)

[0514] Output: Detailed information collection completed

[0515] Specific operation: The user answers a question form using smart glasses, and the device sends the information to the server.

[0516] Step 4:

[0517] The server displays an explanation of fixed and variable interest rates, including their respective advantages and disadvantages, on the terminal. The user reads the information provided and deepens their understanding. This provides the user with basic knowledge about interest rates.

[0518] Input: Request interest rate type description

[0519] Output:Description of interest rate type

[0520] Specific operation: The server retrieves the description from the database and displays it on the terminal.

[0521] Step 5:

[0522] The server analyzes the stored user information and calculates different loan options, such as interest rates and fixed interest rates. The calculation results are displayed on the terminal and provided to the user. The server also collects the latest interest rate information from multiple financial institutions and presents the optimal loan options in a ranked format, allowing the user to select the optimal loan plan from multiple options.

[0523] Input: User information, interest rate information from multiple financial institutions

[0524] Output: Loan options presented and ranked

[0525] Specific operation: The server collects information from the database and external API, calculates loan options, and displays the results on the terminal.

[0526] Step 6:

[0527] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user enters the additional information and submits it. The server generates an optimal repayment plan based on the provided information, displays it on the terminal, and proposes it to the user. The user reviews the generated repayment plan and selects it if they are satisfied. This provides the user with a customized repayment plan.

[0528] Input: User's additional information (budget, repayment period)

[0529] Output: Proposed repayment plan

[0530] Specific operation: The user enters additional information into the smart glasses, and the server generates a repayment plan based on that information and displays it on the device.

[0531] Step 7:

[0532] The server displays an explanation of the importance of credit scores and the factors that influence them on the terminal. The user reads the provided information and understands how credit scores affect loan approval. This allows the user to recognize the importance of their own credit score.

[0533] Input: Credit score information request

[0534] Output: Credit score description

[0535] Specific operation: The server retrieves the relevant description from the database and displays it on the terminal.

[0536] Step 8:

[0537] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal. The user can compare the screening criteria of each financial institution based on the information provided. This allows the user to obtain information to select the financial institution that is best suited to them.

[0538] Input: Screening criteria information for each financial institution

[0539] Output: Presentation of financial institution's screening criteria

[0540] Specific operation: The server collects review criteria information from external APIs and databases, analyzes it, and displays it on the terminal.

[0541] Step 9:

[0542] The server uses the emotion engine to recognize the user's emotional state in real time while the user is using the system. The emotion engine uses the camera and microphone in the smart glasses to analyze the user's facial expressions and tone of voice and transmits the data to the server, which then recognizes the user's current emotional state.

[0543] Input: Video and audio data from smart glasses

[0544] Output: User's emotional state

[0545] How it works: The smart glasses capture video and audio, and the emotion engine analyzes them to recognize the user's emotional state.

[0546] Step 10:

[0547] The server adjusts the information displayed based on the user's recognized emotional state. For example, if the user is feeling anxious or stressed, the server will display a detailed explanation or a message offering reassurance. Conversely, if the user is feeling confident or at ease, the server will display information encouraging the user to proceed to the next step. This allows the user to use the system while receiving appropriate support according to their emotions.

[0548] Input: User's emotional state

[0549] Output: Adjusted information display

[0550] Specific operation: The server adjusts the display information based on the results of the emotion engine and displays an appropriate message on the device.

[0551] 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.

[0552] 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.

[0553] 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.

[0554] [Second embodiment]

[0555] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0556] 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.

[0557] 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).

[0558] 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.

[0559] 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.

[0560] 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).

[0561] 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.

[0562] 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.

[0563] 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.

[0564] 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.

[0565] 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.

[0566] 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."

[0567] overview

[0568] The present invention relates to a real estate loan selection support system that supports users in selecting the most suitable mortgage loan plan. The system begins with the user inputting their personal information, and then explains fixed and variable interest rates, presents and evaluates multiple loan options, creates and proposes repayment plans, explains credit scores, and presents financial institution screening criteria.

[0569] Program processing overview

[0570] User Registration and Login

[0571] A user accesses the system from a device (PC or smartphone) and registers by entering basic information such as name, email address, and password. The server receives the entered information and registers the user as a new user in the database. After registration is complete, the user accesses the system from the login screen using their email address and password. The server checks the entered authentication information and, if correct, redirects the user to their profile page.

[0572] Collection of User Information

[0573] After logging in, the server displays a questionnaire on the user's terminal to collect information such as annual income, family composition, current debt status, etc. The user answers these questions and submits the information. The server receives the submitted information and stores it in a database.

[0574] Fixed and variable interest rates explained

[0575] The server displays an explanation of fixed and variable interest rates, including their respective advantages and disadvantages, on the terminal. The user reads the information provided to deepen their understanding.

[0576] Present and evaluate different loan options

[0577] The server analyzes the stored user information and calculates different loan options, such as interest rates and fixed interest rates. The calculation results are displayed on the terminal and presented to the user. In addition, the server collects the latest interest rate information provided by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranking format.

[0578] Generate and propose repayment plans

[0579] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user enters the additional information and submits it. The server generates an optimal repayment plan based on the provided information, displays it on the terminal, and proposes it to the user. The user can review the generated repayment plan and select it if they are satisfied.

[0580] Providing credit score information

[0581] The server displays an explanation of the importance of credit scores and the factors that influence them on the terminal. The user reads and understands the information provided and learns how credit scores affect loan approval.

[0582] Providing information on screening criteria for banks and financial institutions

[0583] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[0584] Specific examples

[0585] Example 1: A man in his 40s with an annual income of 5 million yen

[0586] If this user is looking for a new loan, after initial registration, they enter their annual income and family composition information. The server provides the user with an explanation of fixed and variable interest rates, which the user understands. Next, the server calculates the interest rate and adjustable interest rate options and presents them to the user. The server suggests Financial Institution A as the best option, and the user confirms the repayment plan proposed by the server. The user then checks their credit score and Financial Institution A's screening criteria and undergoes screening.

[0587] Example 2: A couple in their 30s who both earn ¥8 million a year

[0588] If this couple is looking for a new loan, after initial registration they enter their annual income and family composition information. The server provides the couple with an explanation of fixed and variable interest rates, which they understand. Next, based on the optimal interest rate information, the server determines that a variable interest rate offers the greatest benefits and presents it to the couple. As a repayment plan, it generates and proposes a long-term repayment plan that also takes into account the cost of their children's education and future expenses. The couple check their credit scores and Financial Institution B's screening criteria, and undergo screening.

[0589] In this way, users can more easily select the best mortgage loan based on their individual needs.

[0590] The processing flow will be explained below.

[0591] Step 1:

[0592] Users access the system from their terminal and register by entering basic information such as their name, email address, and password.

[0593] Step 2:

[0594] The server receives the entered information and registers the new user in the database. After the registration is complete, the server sends a registration completion message to the terminal.

[0595] Step 3:

[0596] Users access the system through a login screen using their email address and password.

[0597] Step 4:

[0598] The server verifies the entered credentials and, if correct, redirects the user to their profile page.

[0599] Step 5:

[0600] The server displays a questionnaire on the terminal to collect information such as the user's annual income, family composition, and current debt situation.

[0601] Step 6:

[0602] The user answers these questions and submits the information.

[0603] Step 7:

[0604] The server receives the information and stores it in a database.

[0605] Step 8:

[0606] The server displays an explanation on the terminal, including the advantages and disadvantages of fixed and variable interest rates.

[0607] Step 9:

[0608] The user reads and understands the information provided.

[0609] Step 10:

[0610] The server performs analysis based on the stored user information and calculates different loan options such as interest rates and fixed interest rates.

[0611] Step 11:

[0612] The server displays the calculation results on the terminal and presents loan options to the user.

[0613] Step 12:

[0614] The server collects the latest interest rate information offered by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranked format.

[0615] Step 13:

[0616] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period.

[0617] Step 14:

[0618] The user enters and submits additional information.

[0619] Step 15:

[0620] The server generates an optimal repayment plan based on the provided information and displays it on the terminal to suggest to the user.

[0621] Step 16:

[0622] The user checks the generated repayment plan and selects it if they are satisfied.

[0623] Step 17:

[0624] The server displays an explanation on the terminal about the importance of the credit score and the factors that influence it.

[0625] Step 18:

[0626] Users read the information provided and understand how their credit score affects their loan application.

[0627] Step 19:

[0628] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal.

[0629] Step 20:

[0630] Based on the information provided, users can compare and consider the screening criteria of each financial institution.

[0631] These are the specific processing steps of the program, which allow the user to efficiently select the most suitable mortgage loan.

[0632] Example 1

[0633] 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."

[0634] In the current mortgage market, it is difficult for users to easily and efficiently select the loan plan that best suits them. In particular, it is difficult to understand the difference between fixed and variable interest rates and their respective advantages and disadvantages, and it is time-consuming to compare the terms of different financial institutions. Furthermore, creating an optimal repayment plan based on the user's credit score, income, and repayment period is also time-consuming. A system that solves these issues is needed.

[0635] 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.

[0636] In this invention, the server includes means for acquiring information about the user, means for presenting the advantages and disadvantages of different interest rate types, means for calculating and presenting multiple loan options, means for collecting financial institution information and providing the optimal option, means for generating and proposing a repayment plan, means for explaining the importance of credit scores and influencing factors, means for collecting and displaying the screening criteria of multiple financial institutions, and means for user registration and login via a terminal. This enables the user to easily and efficiently select the optimal mortgage plan based on their own information.

[0637] "User information" refers to personal information about the user, such as annual income, family composition, and debt status.

[0638] "Interest rate type" refers to the type of fixed and variable interest rate that applies to the loan.

[0639] "Loan options" refers to a selection of multiple loan plans presented to the user.

[0640] "Financial institution information" refers to information such as each financial institution's loan terms, interest rates, and screening criteria.

[0641] "Repayment plan" refers to a specific schedule and amount for a user to repay a loan.

[0642] A "credit score" is a numerical indicator of a user's creditworthiness and refers to factors that affect loan screening.

[0643] "Screening criteria" refers to the evaluation criteria used by financial institutions when providing loans.

[0644] "Terminal" refers to a device such as a computer or smartphone that a user uses to access the system.

[0645] "Server" refers to a central computer system for processing information sent by users and providing the necessary data.

[0646] "Ranking format" refers to a display method in which multiple options are arranged in order of merit based on specific criteria.

[0647] This invention relates to a real estate loan selection support system, which supports a series of processes for users to select the most suitable mortgage loan plan. This system is mainly composed of three entities: a server, a terminal, and a user.

[0648] 1. User Registration and Login

[0649] A user accesses the system from a device (PC or smartphone) and registers by entering basic information such as the requested name, email address, and password. The server receives the information sent by the user and registers the user as a new user in the database. After registration is complete, the server sends the user a confirmation email, and the user clicks the link in the email to activate their account. After activation, the user accesses the system from the login screen using their email address and password. The server checks the entered authentication information, and if it is correct, redirects the user to their profile page.

[0650] 2. Collection of User Information

[0651] After logging in, the server displays a questionnaire on the user's terminal, asking about annual income, family composition, current debt status, etc. The user answers these questions and submits the information via the terminal. The server stores the received information in a database.

[0652] 3. Explanation of fixed and variable interest rates

[0653] The server creates text explaining the advantages and disadvantages of fixed and variable interest rates, sends it to the terminal, and displays it. The user reads the provided information to deepen their understanding.

[0654] 4. Present and evaluate different loan options

[0655] The server calculates different loan options, such as interest rates and fixed interest rates, based on the saved user information. This involves collecting and analyzing the latest interest rate information from financial institutions. The results of the calculation and analysis are sent to the terminal in a ranking format and presented to the user. The user can then compare and consider the best loan options based on the presented information.

[0656] 5. Generate and propose repayment plans

[0657] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user fills in the form and presses the submit button. The server generates a repayment plan based on the received information and sends the result to the terminal to propose to the user. The user can review the generated repayment plan and select it if they are satisfied.

[0658] 6. Providing credit score information

[0659] The server creates an explanation about the importance of credit scores and the factors that influence them, and sends it to the terminal for display. The user reads the provided information and understands the importance of credit scores.

[0660] 7. Providing information on the screening criteria of banks and financial institutions

[0661] The server collects and analyzes the screening criteria information of each financial institution. The results are sent to the terminal and displayed to the user. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[0662] Specific examples

[0663] Example 1: A man in his 40s with an annual income of 5 million yen

[0664] 1. The user performs initial registration on the terminal and enters information such as annual income and family composition.

[0665] 2. The server stores this information and provides the user with an explanation of fixed and variable interest rates.

[0666] 3. The user understands the instructions and reviews the different loan options offered by the server.

[0667] 4. The server proposes Financial Institution A as the best option, and the user confirms the proposed repayment plan.

[0668] 5. The user checks their credit score and Financial Institution A's screening criteria and undergoes screening.

[0669] Example 2: A couple in their 30s who both earn ¥8 million a year

[0670] 1. The couple completes the initial registration on their device and enters their annual income and family composition information.

[0671] 2. The server stores this information and provides an explanation of fixed and variable interest rates.

[0672] 3. Based on the optimal interest rate information, the server determines that a variable interest rate offers the greatest benefits and presents it to the couple.

[0673] 4. The couple reviews the proposed repayment plan and selects a long-term repayment plan that takes into account their children's education expenses and future expenses.

[0674] 5. The couple checks their credit score and Financial Institution B's screening criteria and undergoes screening.

[0675] Prompt Sentence Examples

[0676] "In a system that helps a man in his 40s with an annual income of 5 million yen select the most suitable mortgage plan, what information would he input and what process would he go through to select the most suitable loan? Please explain with concrete examples."

[0677] "Please explain with a concrete example what steps the system takes to collect information and how it proposes a repayment plan for a dual-income couple in their 30s with an annual income of 8 million yen, taking into account future educational expenses and other expenses, in order to create an optimal repayment plan."

[0678] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0679] Step 1: User Registration and Login

[0680] 1. The user accesses the system from a terminal and enters their name, email address, and password.

[0681] 2. The terminal sends the entered information to the server.

[0682] 3. The server stores the received information in its database and registers the new user.

[0683] 4. After the server completes registration, it sends a confirmation email to the user, which contains a link to activate the account.

[0684] 5. The user clicks on the link in the confirmation email to activate their account.

[0685] 6. The user accesses the system again through the login screen using their email address and password.

[0686] 7. The server validates the entered credentials and, if correct, redirects the user to their profile page.

[0687] Input: User's name, email address, and password

[0688] Output: User account activated, profile page accessed

[0689] Step 2: Collect user information

[0690] 1. After logging in, the server displays a questionnaire on the user's terminal, asking questions such as annual income, family composition, and current debt situation.

[0691] 2. The user enters the answer into the displayed question form and clicks the submit button.

[0692] 3. The terminal sends the entered information to the server.

[0693] 4. The server stores the received information in a database.

[0694] Input: User information such as annual income, family composition, debt status, etc.

[0695] Output: User information stored in the database

[0696] Step 3: Explain fixed and variable interest rates

[0697] 1. The server creates text data explaining the advantages and disadvantages of fixed and variable interest rates.

[0698] 2. The server sends this text data to the terminal.

[0699] 3. The terminal displays the text data and presents it to the user in a readable format.

[0700] 4. The user reads the displayed information and deepens their understanding.

[0701] Input: Text data on the advantages and disadvantages of fixed and variable interest rates

[0702] Output: Information displayed in a user-friendly format

[0703] Step 4: Present and evaluate different loan options

[0704] 1. The server starts calculating loan options based on the saved user information. It sets values ​​such as interest rates and interest adjustments and performs calculations.

[0705] 2. The server collects the latest interest rate information from multiple financial institutions and sends the analysis results to the terminal.

[0706] 3. The terminal displays the calculation and analysis results to the user in a ranking format.

[0707] 4. Based on the information presented, the user compares and considers the best loan options.

[0708] Input: User's annual income, debt status, latest interest rate information from multiple financial institutions

[0709] Output: A ranked list of loan options

[0710] Step 5: Generate and propose a repayment plan

[0711] 1. The server displays an additional form on the terminal to obtain additional information such as the user's budget and repayment period.

[0712] 2. The user enters the required information into the add form and clicks the submit button.

[0713] 3. The terminal sends the entered information to the server.

[0714] 4. The server generates an optimal repayment plan based on the provided information and sends the results to the terminal.

[0715] 5. The terminal displays the generated repayment plan to the user.

[0716] 6. The user reviews the proposed repayment plan and selects it if they are satisfied.

[0717] Input: Detailed information such as user's budget, repayment period, etc.

[0718] Output: The optimal repayment plan displayed.

[0719] Step 6: Provide your credit score information

[0720] 1. The server creates a description of the importance and influencing factors of the credit score.

[0721] 2. The server sends the created description to the terminal.

[0722] 3. The device displays the explanatory text and provides it in a format that the user can understand.

[0723] 4. The user reads the information provided and understands the importance of credit scores.

[0724] Input: A description of the importance and influencing factors of the credit score

[0725] Output: Credit score information displayed to the user

[0726] Step 7: Providing information on the screening criteria of banks and financial institutions

[0727] 1. The server collects and analyzes the screening criteria information of each financial institution.

[0728] 2. The server sends the analysis results to the terminal.

[0729] 3. The terminal displays the collected and analyzed screening criteria information to the user.

[0730] 4. Based on the information provided, the user compares and considers the screening criteria of each financial institution.

[0731] Input: Financial institution's screening criteria information

[0732] Output: Parsed review criteria information displayed to the user

[0733] This series of processing steps allows the user to easily and efficiently select the optimal mortgage plan based on their own information.

[0734] (Application example 1)

[0735] 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."

[0736] In recent years, users have had difficulty selecting the most suitable loan plan for themselves when choosing a real estate loan. In particular, there is a lack of systems that provide optimal loan options while adequately protecting users' personal information. Furthermore, insufficient security in handling user information increases the risk of personal information leaks, which could lead to unauthorized use. For this reason, there is a need for systems that handle information more safely and efficiently.

[0737] 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.

[0738] In this invention, the server includes means for acquiring information about the user, means for presenting the advantages and disadvantages of different interest rate types, means for calculating and presenting multiple loan options, means for generating and proposing a repayment plan, means for explaining the importance of credit scores and influencing factors, means for collecting and displaying the screening criteria of multiple financial institutions, means for encrypting user information and storing it in a database, and means for user registration and login using two-factor authentication. This enables the user to select the optimal mortgage plan while protecting their personal information.

[0739] The "means for acquiring information about the user" refers to a system or device for collecting personal information such as the user's annual income, family structure, and debt situation.

[0740] A "means for presenting the advantages and disadvantages of different interest rate types" is a system or device for explaining the characteristics, advantages, and disadvantages of different interest rate types, such as fixed interest rates and variable interest rates.

[0741] A "means for calculating and presenting multiple loan options" is a system or device for calculating different loan options and presenting the results to a user.

[0742] The "means for generating and proposing a repayment plan" is a system or device for automatically generating an optimal repayment plan based on the user's budget and repayment period and proposing it to the user.

[0743] A "means for explaining the importance of credit scores and the factors that influence them" is a system or device for explaining how credit scores affect mortgage loan approval.

[0744] The "means for collecting and displaying the screening criteria of a plurality of financial institutions" is a system or device for collecting the screening criteria required by a plurality of financial institutions and displaying them in a format that is easy for the user to see.

[0745] "Means for encrypting user information and storing it in a database" refers to a system or device that uses encryption technology to protect users' personal information and safely store it in a database.

[0746] A "means for user registration and login using two-factor authentication" is a system or device for user registration and login that provides enhanced security by requiring an additional authentication code in addition to a password when a user accesses the system.

[0747] This invention provides a system that supports users in selecting the most suitable mortgage plan, and is mainly composed of a server, a terminal, and a user.

[0748] System Program

[0749] 1. User Registration and Login

[0750] Users access the system from their device (PC or smartphone) and register by entering basic information such as their name, email address, and password. At this time, security is enhanced by introducing two-factor authentication (2FA). The server receives the entered information and registers the user as a new user in the database. After registration is complete, the user accesses the system from the login screen using their email address, password, and the 2FA authentication code. The server verifies the entered authentication information, and if it is correct, redirects the user to their profile page.

[0751] 2. Collection of User Information

[0752] After logging in, the server displays a questionnaire on the user's terminal to collect information such as annual income, family composition, current debt status, etc. The user answers these questions and submits the information. The server receives the submitted information, encrypts the data using encryption technology (e.g., Fernet), and stores it securely in a database.

[0753] 3. Explanation of fixed and variable interest rates

[0754] The server displays an explanation of fixed and variable interest rates, including their respective advantages and disadvantages, on the terminal. The user reads the information provided to deepen their understanding.

[0755] 4. Present and evaluate different loan options

[0756] The server analyzes the stored user information and calculates different loan options, such as interest rates and fixed interest rates.These calculation results are displayed on the terminal and presented to the user.The server also collects the latest interest rate information provided by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranked format.

[0757] 5. Generate and propose repayment plans

[0758] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user enters the additional information and submits it. The server generates an optimal repayment plan based on the provided information, displays it on the terminal, and proposes it to the user. The user can review the generated repayment plan and select it if they are satisfied.

[0759] 6. Providing credit score information

[0760] The server displays an explanation of the importance of credit scores and the factors that influence them on the terminal. The user reads and understands the information provided and learns how credit scores affect loan approval.

[0761] 7. Providing information on the screening criteria of banks and financial institutions

[0762] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[0763] Hardware and software used

[0764] This system is based on a server using the Django framework, Fernet encryption technology used to encrypt user information, an OTP generation library to realize two-factor authentication, and an email sending function. The server manages user data using a database (e.g., PostgreSQL).

[0765] Specific examples

[0766] Example 1: A man in his 40s with an annual income of 5 million yen

[0767] If this user is looking for a new loan, after initial registration, they enter their annual income and family composition information. The server provides the user with an explanation of fixed and variable interest rates, which the user understands. Next, the server calculates loan options with different interest rates and adjustable interest rates and presents them to the user. The server suggests Financial Institution A as the best option, and the user confirms the repayment plan proposed by the server. The user then checks their credit score and Financial Institution A's screening criteria and undergoes screening.

[0768] Example 2: A couple in their 30s who both earn ¥8 million a year

[0769] If this couple is looking for a new loan, after initial registration they enter their annual income and family composition information. The server provides the couple with an explanation of fixed and variable interest rates, which they understand. Next, based on the optimal interest rate information, the server determines that a variable interest rate offers the greatest benefits and presents it to the couple. As a repayment plan, it generates and proposes a long-term repayment plan that also takes into account the cost of their children's education and future expenses. The couple check their credit scores and Financial Institution B's screening criteria, and undergo screening.

[0770] Example prompts to input to the generative AI model

[0771] "As a requirement for developing a mortgage selection support system, please tell me how to encrypt and store annual income, family composition, and debt status."

[0772] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0773] Step 1:

[0774] User Registration and Login

[0775] The terminal displays a screen for entering the user's name, email address, and password. When the user enters this information and presses the submit button, an authentication code for two-factor authentication (2FA) is generated and sent to the user's email address. The server receives this information, hashes the user's password using SHA-256, and stores it in a database. The user enters the authentication code sent to their email address and sends the email address, hashed password, and authentication code to the server. The server verifies that the authentication code is correct, and if so, redirects the user to their profile page.

[0776] Input: User's name, email address, password, and two-factor authentication code

[0777] Output: Save registered user information to the database and display the profile page when login is successful

[0778] Step 2:

[0779] Collection of User Information

[0780] After logging in, the terminal displays a form for the user to enter information such as annual income, family composition, current debt status, etc. When the user enters this information and presses the submit button, the server receives the information. The server then encrypts the user's information using Fernet encryption technology and stores it securely in a database.

[0781] Input: User information such as annual income, family composition, debt status, etc.

[0782] Output: Encrypted user information stored in a database

[0783] Step 3:

[0784] Fixed and variable interest rates explained

[0785] The server creates text explaining the advantages and disadvantages of fixed and variable interest rates and sends it to the terminal. The terminal displays this information and provides an interface for the user to deepen their understanding. The user reads the presented information and deepens their understanding.

[0786] Input: None (or static text on the server side)

[0787] Output: Display of explanation of advantages and disadvantages of fixed and variable interest rates

[0788] Step 4:

[0789] Present and evaluate different loan options

[0790] The server analyzes the collected user information and calculates different loan options, such as interest rates and fixed interest rates. The calculation results are sent to the terminal and presented to the user. The server also collects the latest interest rate information from multiple financial institutions, evaluates the optimal loan options based on the analysis results, and presents them to the user in a ranked format.

[0791] Input: Collected user information, interest rate information from financial institutions

[0792] Output: Best loan options and ranking

[0793] Step 5:

[0794] Generate and propose repayment plans

[0795] The server displays a form on the terminal to obtain additional information such as the user's budget and repayment period. When the user enters the additional information and presses the submit button, the server receives it and generates an optimal repayment plan based on the obtained information. The generated repayment plan is sent to the terminal and presented to the user. The user can review the presented repayment plan and select it if they are satisfied.

[0796] Input: Additional information such as user budget, repayment period, etc.

[0797] Output: Optimal repayment plan

[0798] Step 6:

[0799] Providing credit score information

[0800] The server sends text to the terminal explaining the importance of credit scores and the factors that influence them. The terminal displays this text and provides an interface for the user to deepen their understanding of credit scores. The user reads the provided information and deepens their understanding of the impact credit scores have on loan applications.

[0801] Input: None (or static text on the server side)

[0802] Output: Display of explanatory text about the importance of the credit score and the factors that influence it

[0803] Step 7:

[0804] Providing information on screening criteria for banks and financial institutions

[0805] The server collects the screening criteria of each financial institution and sends the analysis results to the terminal. The terminal displays the results and provides an interface that allows the user to compare the screening criteria of each financial institution. Based on the information provided, the user can understand the screening criteria of each financial institution and select the financial institution that is best suited to them.

[0806] Input: Financial institution's screening criteria information

[0807] Output: Presentation of financial institution's screening criteria

[0808] 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.

[0809] overview

[0810] The present invention relates to a real estate loan selection support system, and in particular to a system incorporating an emotion engine that recognizes user emotions in real time to support users in selecting the most suitable mortgage plan. The system allows users to input their own information, and then explains fixed and variable interest rates, presents and evaluates multiple loan options, creates and proposes repayment plans, explains credit scores, presents financial institutions' screening criteria, and displays information and support according to the user's emotional state.

[0811] Program processing overview

[0812] User Registration and Login

[0813] A user accesses the system from a device (PC or smartphone) and registers by entering basic information such as name, email address, and password. The server receives the entered information and registers the user as a new user in the database. After registration is complete, the user accesses the system from the login screen using their email address and password. The server checks the entered authentication information and, if correct, redirects the user to their profile page.

[0814] Collection of User Information

[0815] After logging in, the server displays a questionnaire on the user's terminal to collect information such as annual income, family composition, current debt status, etc. The user answers these questions and submits the information. The server receives the submitted information and stores it in a database.

[0816] Fixed and variable interest rates explained

[0817] The server displays an explanation of fixed and variable interest rates, including their respective advantages and disadvantages, on the terminal. The user reads the information provided to deepen their understanding.

[0818] Present and evaluate different loan options

[0819] The server analyzes the stored user information and calculates different loan options, such as interest rates and fixed interest rates. The calculation results are displayed on the terminal and provided to the user. In addition, the server collects the latest interest rate information offered by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranking format.

[0820] Generate and propose repayment plans

[0821] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user enters the additional information and submits it. The server generates an optimal repayment plan based on the provided information, displays it on the terminal, and proposes it to the user. The user can review the generated repayment plan and select it if they are satisfied.

[0822] Providing credit score information

[0823] The server displays an explanation of the importance of credit scores and the factors that influence them on the terminal. The user reads the provided information and understands how credit scores affect loan approval.

[0824] Providing information on screening criteria for banks and financial institutions

[0825] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[0826] User Emotion Recognition

[0827] The server uses an emotion engine to recognize the user's emotional state in real time while the user is using the system through the terminal. The emotion engine uses devices such as a camera and microphone to analyze the user's facial expressions and tone of voice.

[0828] Emotion-based information regulation

[0829] The server adjusts the displayed information based on the user's perceived emotional state. For example, if the user is feeling anxious or stressed, the server will display more detailed explanations or reassuring messages. Conversely, if the user is feeling confident or at ease, the server will display information encouraging them to take the next step.

[0830] Specific examples

[0831] Example 1: A man in his 40s with an annual income of 5 million yen

[0832] If this user is looking for a new loan, after initial registration they will enter information such as annual income and family composition. The server will provide the user with an explanation of fixed and variable interest rates, which the user will understand. Next, the server will calculate the interest rate and adjustable interest rate options and present them to the user. The server will suggest Financial Institution A as the optimal option, and the user will confirm the repayment plan proposed by the server. During this process, if the emotion engine detects any concerns from the user, the server will provide more detailed explanations and display additional information to resolve any doubts. The user will then check their credit score and Financial Institution A's screening criteria and undergo screening.

[0833] Example 2: A couple in their 30s who both earn ¥8 million a year

[0834] If this couple is looking for a new loan, after initial registration they will enter their annual income and family composition information. The server will provide the couple with an explanation of fixed and variable interest rates, which they will understand. Next, based on the optimal interest rate information, the server will determine that a variable interest rate offers the greatest benefits and present it to the couple. As a repayment plan, it will generate and propose a long-term repayment plan that also takes into account future expenses such as the children's education. If the emotion engine detects that the couple feels at ease, the server will display information encouraging them to proceed to the next step, and the couple will review and select a repayment plan. The couple will then check their credit score and Financial Institution B's screening criteria and undergo screening.

[0835] In this way, the system of the present invention can efficiently assist in selecting the most suitable mortgage loan while taking into account the user's emotional state.

[0836] The processing flow will be explained below.

[0837] Step 1:

[0838] The user registers by entering basic information such as name, email address, and password from the terminal.

[0839] Step 2:

[0840] The server receives the entered information and registers the user as a new user in the database. After the registration is complete, the server sends a registration completion message to the terminal.

[0841] Step 3:

[0842] Users access the system through a login screen using their email address and password.

[0843] Step 4:

[0844] The server verifies the entered credentials and, if correct, redirects the user to the profile page.

[0845] Step 5:

[0846] The server displays a questionnaire form on the terminal to collect information such as the user's annual income, family composition, and current debt situation.

[0847] Step 6:

[0848] The user fills out the inquiry form and submits the required information.

[0849] Step 7:

[0850] The server receives the transmitted information and stores it in a database.

[0851] Step 8:

[0852] The server displays an explanation on the terminal, including the advantages and disadvantages of fixed and variable interest rates.

[0853] Step 9:

[0854] The user reads the explanations through the terminal and understands which type is best for them.

[0855] Step 10:

[0856] The server performs analysis based on the stored user information and calculates different loan options such as interest rates and fixed interest rates.

[0857] Step 11:

[0858] The server displays the calculation results on the terminal and presents loan options to the user.

[0859] Step 12:

[0860] The server collects the latest interest rate information provided by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranking format.

[0861] Step 13:

[0862] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period.

[0863] Step 14:

[0864] The user enters and submits the additional information.

[0865] Step 15:

[0866] The server generates an optimal repayment plan based on the provided information and displays it on the terminal to suggest to the user.

[0867] Step 16:

[0868] The user checks the generated repayment plan and selects it if he is fully satisfied.

[0869] Step 17:

[0870] The server displays a document on the terminal that explains the importance of credit scores and the factors that influence them.

[0871] Step 18:

[0872] Users read and understand the information provided and learn how their credit score affects their loan application.

[0873] Step 19:

[0874] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal.

[0875] Step 20:

[0876] Based on the information provided, the user compares and considers the screening criteria of each financial institution.

[0877] Step 21:

[0878] The server uses the emotion engine to recognize the user's emotional state in real time while the user is using the system through the terminal.

[0879] Step 22:

[0880] The emotion engine uses devices such as cameras and microphones to analyze the user's facial expressions and tone of voice.

[0881] Step 23:

[0882] The server then tailors the information displayed based on the user's perceived emotions: for example, if the user is feeling anxious or stressed, the server displays additional detailed explanations or reassuring messages.

[0883] Step 24:

[0884] Conversely, if the user feels confident and at ease, the server displays information encouraging them to proceed to the next step.

[0885] The above is the flow of processing in the real estate loan selection support system, which enables users to efficiently select the most suitable home loan.

[0886] Example 2

[0887] 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."

[0888] Conventional mortgage selection support systems often provide information without considering the user's emotional state, which can make it difficult for users to make appropriate decisions if they feel anxious or stressed. Furthermore, it can be difficult to present loan options and repayment plans that fit a user's individual requirements, which can prevent them from making the optimal choice. This can lead to users being unable to select the optimal loan and potentially signing a contract under unfavorable terms.

[0889] 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.

[0890] In this invention, the server includes means for acquiring information about the user, means for presenting the advantages and disadvantages of different interest rate types, means for calculating and presenting multiple loan options, means for generating and proposing repayment plans, means for explaining the importance of credit scores and influencing factors, means for collecting and displaying the screening criteria of multiple financial institutions, and means for recognizing the emotional state of the user and adjusting the information to be displayed based on the recognized emotion. This enables support for selecting a home loan that takes the user's emotional state into consideration, and provides efficient and reassuring support for the user to select the optimal loan plan.

[0891] "Information about the user" refers to personal data such as the user's attributes, financial situation, family structure, and debt status.

[0892] "Advantages and disadvantages of different interest rate types" refers to information that explains the respective advantages and disadvantages of fixed and variable interest rates.

[0893] "Loan Options" refers to the multiple mortgage plan choices offered to the user.

[0894] "Repayment plan" refers to a plan that indicates the specific schedule and amount for the user to repay the loan.

[0895] A "credit score" is a numerical value that evaluates a user's credit risk and refers to factors that affect loan screening.

[0896] "Financial institution screening criteria" refers to the evaluation criteria and conditions used by multiple financial institutions when screening loan applications.

[0897] "User's emotional state" refers to the emotions or psychological state (e.g., anxiety, relief, etc.) that a user feels when receiving information.

[0898] "Adjusting displayed information based on emotions" refers to changing the content and presentation of information provided in accordance with the recognized emotional state of the user.

[0899] overview

[0900] The present invention relates to a real estate loan selection support system, and in particular, incorporates an emotion engine that recognizes user emotions in real time. This system supports users in selecting the optimal mortgage plan, explains fixed and variable interest rates, presents and evaluates multiple loan options, generates and proposes repayment plans, explains credit scores, presents financial institution screening criteria, and displays information and support according to the user's emotional state.

[0901] Hardware and software used

[0902] The system uses the following hardware and software:

[0903] Hardware

[0904] Terminal (PC, smartphone): Used by users to enter information and check results.

[0905] Camera: Captures the user's facial expressions in real time.

[0906] Microphone: Captures the tone of the user's voice.

[0907] software

[0908] Server: Processes and manages data. For example, using Apache or Nginx.

[0909] Database: Stores user information, for example using MySQL or PostgreSQL.

[0910] Emotion engine: Recognizes the user's emotional state, for example using Microsoft Azure Emotion API or Google Cloud's Speech-to-Text.

[0911] Data processing and calculation

[0912] The main processing flow of the system is as follows:

[0913] 1. User registration: The user enters their name, email address, and password on their device and submits the information. The server receives this information and stores it in a database.

[0914] 2. Login authentication: When a user enters their email address and password on the login screen, the server verifies this and, if correct, creates a session and redirects the user to their profile page.

[0915] 3. Collecting user information: The server displays questions such as annual income and family composition on the terminal and stores the information the user answers in a database.

[0916] 4. Explanation of fixed and variable interest rates: The server generates an explanation of the advantages and disadvantages and sends it to the terminal.

[0917] 5. Presentation and evaluation of loan options: The server calculates and evaluates various loan options based on the user information and displays them on the terminal.

[0918] 6. Generating and proposing a repayment plan: Once the user enters additional information, the server generates an optimal repayment plan and sends it to the terminal.

[0919] 7. Providing credit score information: The server explains the importance of the credit score and sends it to the terminal.

[0920] 8. Providing information on financial institution screening criteria: The server collects the screening criteria of multiple financial institutions and displays them on the terminal.

[0921] 9. User emotion recognition: The emotion engine uses the camera and microphone to recognize the user's emotional state in real time, and the server adjusts the displayed information accordingly.

[0922] Specific examples

[0923] Example 1: A man in his 40s with an annual income of 5 million yen

[0924] The user performs an initial registration and enters information such as annual income and family composition. The server provides an explanation of fixed and variable interest rates, which the user understands. The server then calculates various loan options and suggests Financial Institution A as the best option. The user checks the repayment plan, and if the emotion engine detects any concerns during the process, the server provides a more detailed explanation. The user then checks their credit score and Financial Institution A's screening criteria and undergoes screening.

[0925] Example 2: A couple in their 30s who both earn ¥8 million a year

[0926] The couple completes the initial registration and enters information such as annual income and family composition. The server provides an explanation of fixed and variable interest rates, which the couple understands. Next, the server determines that a variable interest rate has the greatest benefits based on the optimal interest rate information and presents it to the couple. As a repayment plan, it proposes a long-term repayment plan that also takes into account future expenses such as the children's education. If the emotion engine detects that the couple feels at ease, the server displays information encouraging them to proceed to the next step. The couple confirms the repayment plan, then checks their credit scores and Financial Institution B's screening criteria and undergoes screening.

[0927] In this way, the system of the present invention takes into account the user's emotional state and helps them select the most suitable mortgage loan efficiently and with peace of mind.

[0928] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0929] Step 1: User Registration

[0930] User operation: The user accesses the system from a device (PC or smartphone), enters their name, email address, and password, and clicks the registration button.

[0931] Enter your name, email address, and password.

[0932] Server processing: The server receives the entered user information, validates the input data, and if validation is successful, registers the new user in the database using an SQL query, generates a registration completion message, and sends it to the terminal.

[0933] Output: Registration successful message.

[0934] Step 2: Login and Authentication

[0935] User action: The user enters the email address and password they provided during registration into the login screen and clicks the login button.

[0936] Enter your email address and password.

[0937] Server action: The server receives the entered authentication information and checks it against the database. If the check is successful, it creates a session and redirects the user to their profile page. If the check is not successful, it generates an error message and sends it to the device.

[0938] Output: Redirect to profile page or error message.

[0939] Step 3: Collect user information

[0940] User operation: The user enters information such as annual income, family composition, and current debt status into the questionnaire form displayed on the terminal and clicks the submit button.

[0941] Input: Annual income, family composition, current debt situation.

[0942] Server processing: The server receives the input information, stores it in a database as properly formatted data, and generates a message indicating that the data has been saved and sends it to the terminal.

[0943] Output: Save complete message.

[0944] Step 4: Explain fixed and variable interest rates

[0945] Server processing: The server generates an explanation of the advantages and disadvantages of fixed and variable interest rates and sends it to the terminal.

[0946] Input: None.

[0947] User Action: The user reads the explanation displayed on the terminal and understands the difference between fixed and variable interest rates.

[0948] Output: Fixed and variable interest rate descriptions.

[0949] Step 5: Present and evaluate different loan options

[0950] Server processing: The server performs risk assessment based on the collected user information and calculates loan options such as interest rates and fixed interest rates. The calculation results are generated in a ranking format and sent to the terminal.

[0951] Input: User information (annual income, family composition, debt status) and the latest interest rate information from financial institutions.

[0952] User Action: The user reviews the loan options presented and selects the one that meets their requirements.

[0953] Output: A ranked list of loan options.

[0954] Step 6: Generate and propose a repayment plan

[0955] User Action: The user fills in the additional form with detailed information such as budget and repayment period and clicks the submit button.

[0956] Input: Budget, Repayment Period.

[0957] Server processing: The server generates an optimal repayment plan based on the provided information and sends it to the device. The server also includes a proposal for a plan that is suitable for the user.

[0958] Output: Optimal repayment plan proposal.

[0959] Step 7: Provide your credit score information

[0960] Server processing: The server generates an explanation of the importance of the credit score and the factors that influence it, and sends it to the terminal.

[0961] Input: None.

[0962] User Action: The user reads the information presented and understands how their credit score affects their loan application.

[0963] Output: A description of the credit score.

[0964] Step 8: Provide financial institution's screening criteria information

[0965] Server processing: The server collects information on screening criteria from multiple financial institutions and sends the analysis results to the terminal.

[0966] Input: Financial institution's screening criteria information.

[0967] User action: The user checks and compares the screening criteria of the financial institutions presented.

[0968] Output: A list of financial institution screening criteria.

[0969] Step 9: Recognizing User Emotions

[0970] Device behavior: The device's built-in camera and microphone capture the user's facial expressions and tone of voice in real time.

[0971] Input: Facial expression data, voice tone data.

[0972] Server processing: The server uses an emotion engine to analyze the captured data and recognize the user's emotional state. The server determines the next action based on the emotional data.

[0973] Output: The user's emotional state.

[0974] Step 10: Regulating Information Based on Emotions

[0975] Server processing: The server adjusts the displayed information based on the user's recognized emotional state. For example, if the user is feeling anxious, the server generates a more detailed explanation or a reassuring message and sends it to the device.

[0976] Input: The user's emotional state.

[0977] User Action: The user can either read through the displayed calibration information or be prompted to proceed to the next step.

[0978] Output: Emotionally tailored information.

[0979] (Application example 2)

[0980] 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."

[0981] In today's mortgage market, there are numerous options and complex interest rate options, making it extremely difficult for users to select the optimal loan plan. Anxiety and stress can also be a major problem for users when selecting a loan. To solve these issues, a system is needed that provides users with emotional support, helps them properly understand the information, and enables them to make the optimal choice.

[0982] 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 acquiring information about the user, means for presenting the advantages and disadvantages of different interest rate types, means for calculating and presenting multiple loan options, means for generating and proposing a repayment plan, means for explaining the importance of credit scores and influencing factors, means for collecting and displaying the screening criteria of multiple financial institutions, means for recognizing the user's emotional state in real time, means for adjusting and displaying information based on the emotional state, and display means for the user to compare mortgage information in a virtual environment. This enables the user to easily understand complex mortgage options and select the optimal loan plan while receiving emotional support.

[0983] "Information about the user" refers to information about the user's financial situation and lifestyle, such as annual income, family composition, and current debt status.

[0984] "Interest rate type" refers to different forms of interest rates, such as fixed and variable interest rates.

[0985] "Loan options" refers to mortgage options with multiple terms, such as different interest rates or fixed interest rates.

[0986] "Repayment plan" refers to a loan repayment schedule generated by the system based on the user's budget and repayment period.

[0987] A "credit score" is a numerical representation of a user's creditworthiness, and is an indicator used in loan screening.

[0988] "Financial institution screening criteria" refers to the standards and conditions used by multiple financial institutions when conducting loan screening.

[0989] "Emotional state" refers to emotions such as anxiety, relief, and confidence that are recognized in real time from the user's facial expressions and tone of voice.

[0990] "Virtual environment" refers to a virtual space that users access using smart glasses or a head-mounted display.

[0991] "Adjusting information" refers to changing the content and depth of information provided based on the user's emotional state.

[0992] "Display" refers to a mechanism that allows a user to visually compare and understand mortgage information within a virtual environment.

[0993] The present invention provides a real estate loan selection support system incorporating an emotion engine. In particular, the system supports users in selecting the most suitable mortgage plan by using smart glasses or the like to recognize emotions in real time in a virtual store.

[0994] System Overview

[0995] The system provides the following functionality through smart glasses worn by the user:

[0996] 1. User Information Collection:

[0997] The server acquires information from the user wearing the smart glasses, such as annual income, family composition, and current debt status. This information is entered by the user into the terminal.

[0998] 2. Interest rate type description:

[0999] The server visually presents the advantages and disadvantages of fixed and variable interest rates to the user through a virtual engine.

[1000] 3. Present loan options:

[1001] The server calculates multiple loan options based on the acquired user information and visually presents them in a virtual environment.

[1002] It also collects the latest interest rate information from financial institutions and presents users with the most suitable loan options in a ranked format.

[1003] 4. Generate and propose repayment plans:

[1004] The system automatically generates an optimal repayment plan by collecting detailed information about the user's budget and repayment period, and visually presents the results to the user through a virtual engine.

[1005] 5. Credit Score and Approval Criteria Explained:

[1006] The server explains the importance of credit scores and the screening criteria of each financial institution and displays this information to the user.

[1007] 6. Emotion recognition:

[1008] The server uses data from the smart glasses' camera and microphone to analyze the user's facial expressions and tone of voice, and an emotion engine recognizes the user's emotional state in real time.

[1009] 7. Information Coordination and Display:

[1010] The server then adjusts the information displayed based on the user's perceived emotional state, for example displaying additional detailed instructions if the user feels anxious, or providing next step information if the user feels reassured.

[1011] System configuration and operation

[1012] The system consists of the following hardware and software:

[1013] Hardware:

[1014] Smart glasses (with built-in camera, microphone, and display)

[1015] server

[1016] software:

[1017] Emotion Engine

[1018] Virtual Engine

[1019] Database

[1020] The server receives data from the smart glasses and uses the emotion engine to analyze the emotional state. Based on the results, the virtual engine displays appropriate information to the user.

[1021] Specific examples

[1022] Specific usage scenarios include the following examples:

[1023] 1. A man in his 40s with an annual income of 5 million yen looking for a new loan:

[1024] After initial registration, the user enters their information into the terminal. The server provides an explanation of fixed and variable interest rates and presents multiple loan options. If the emotion engine detects the user's concerns, the server provides additional detailed explanations. The user then checks their credit score and the financial institution's screening criteria, and undergoes screening.

[1025] 2. A couple in their 30s with an annual income of 8 million yen each looking for a new loan:

[1026] After initial registration, couples enter their detailed information. The server then presents the best variable interest rate loan options and suggests a repayment plan that takes future expenses into account. If the emotion engine detects a sense of security in the couple, it displays information for the next step, where the couple undergoes screening.

[1027] Example prompt sentence:

[1028] Scenarios where a user visits a virtual store:

[1029] A user is looking for a new mortgage. They put on smart glasses and enter a virtual environment. Facial expressions are analyzed to recognize the user's emotions, providing detailed explanations when they are anxious and helping them feel more at ease.

[1030] In this way, the system of the present invention can efficiently assist in selecting the most suitable mortgage loan while taking into account the user's emotional state.

[1031] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1032] Step 1:

[1033] A user puts on smart glasses and accesses a virtual store. A virtual avatar appears and guides the user. The user then performs initial registration and enters basic information such as name, email address, and password. The device sends this information to the server, which then registers the entered information as a new user in the database. This records the user information in the system, and the user is able to access the system.

[1034] Input: User's basic information (name, email address, password)

[1035] Output: New user registration completed

[1036] Specific operation: The user inputs information using the input device of the smart glasses, and the terminal sends the information to the server.

[1037] Step 2:

[1038] On the login screen, the user enters their email address and password to log in to the system. The server verifies the entered authentication information and, if correct, redirects the user to their profile page, allowing them to access each function of the system.

[1039] Input: User authentication information (email address, password)

[1040] Output: Login success / failure message, profile page displayed

[1041] Specific operation: The server checks the authentication information against the database and, if correct, performs a redirect.

[1042] Step 3:

[1043] After logging in, the server displays a questionnaire to the user to collect information such as annual income, family composition, and current debt status. The user answers these questions and submits the information via their terminal. The server receives the submitted information and stores it in a database. This allows the user's detailed financial information to be recorded in the system.

[1044] Input: User details (annual income, family composition, debt status)

[1045] Output: Detailed information collection completed

[1046] Specific operation: The user answers a question form using smart glasses, and the device sends the information to the server.

[1047] Step 4:

[1048] The server displays an explanation of fixed and variable interest rates, including their respective advantages and disadvantages, on the terminal. The user reads the information provided and deepens their understanding. This provides the user with basic knowledge about interest rates.

[1049] Input: Request interest rate type description

[1050] Output:Description of interest rate type

[1051] Specific operation: The server retrieves the description from the database and displays it on the terminal.

[1052] Step 5:

[1053] The server analyzes the stored user information and calculates different loan options, such as interest rates and fixed interest rates. The calculation results are displayed on the terminal and provided to the user. The server also collects the latest interest rate information from multiple financial institutions and presents the optimal loan options in a ranked format, allowing the user to select the optimal loan plan from multiple options.

[1054] Input: User information, interest rate information from multiple financial institutions

[1055] Output: Loan options presented and ranked

[1056] Specific operation: The server collects information from the database and external API, calculates loan options, and displays the results on the terminal.

[1057] Step 6:

[1058] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user enters the additional information and submits it. The server generates an optimal repayment plan based on the provided information, displays it on the terminal, and proposes it to the user. The user reviews the generated repayment plan and selects it if they are satisfied. This provides the user with a customized repayment plan.

[1059] Input: User's additional information (budget, repayment period)

[1060] Output: Proposed repayment plan

[1061] Specific operation: The user enters additional information into the smart glasses, and the server generates a repayment plan based on that information and displays it on the device.

[1062] Step 7:

[1063] The server displays an explanation of the importance of credit scores and the factors that influence them on the terminal. The user reads the provided information and understands how credit scores affect loan approval. This allows the user to recognize the importance of their own credit score.

[1064] Input: Credit score information request

[1065] Output: Credit score description

[1066] Specific operation: The server retrieves the relevant description from the database and displays it on the terminal.

[1067] Step 8:

[1068] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal. The user can compare the screening criteria of each financial institution based on the information provided. This allows the user to obtain information to select the financial institution that is best suited to them.

[1069] Input: Screening criteria information for each financial institution

[1070] Output: Presentation of financial institution's screening criteria

[1071] Specific operation: The server collects review criteria information from external APIs and databases, analyzes it, and displays it on the terminal.

[1072] Step 9:

[1073] The server uses the emotion engine to recognize the user's emotional state in real time while the user is using the system. The emotion engine uses the camera and microphone in the smart glasses to analyze the user's facial expressions and tone of voice and transmits the data to the server, which then recognizes the user's current emotional state.

[1074] Input: Video and audio data from smart glasses

[1075] Output: User's emotional state

[1076] How it works: The smart glasses capture video and audio, and the emotion engine analyzes them to recognize the user's emotional state.

[1077] Step 10:

[1078] The server adjusts the information displayed based on the user's recognized emotional state. For example, if the user is feeling anxious or stressed, the server will display a detailed explanation or a message offering reassurance. Conversely, if the user is feeling confident or at ease, the server will display information encouraging the user to proceed to the next step. This allows the user to use the system while receiving appropriate support according to their emotions.

[1079] Input: User's emotional state

[1080] Output: Adjusted information display

[1081] Specific operation: The server adjusts the display information based on the results of the emotion engine and displays an appropriate message on the device.

[1082] 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.

[1083] 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.

[1084] 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.

[1085] [Third embodiment]

[1086] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[1087] 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.

[1088] 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).

[1089] 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.

[1090] 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.

[1091] 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).

[1092] 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.

[1093] 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.

[1094] 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.

[1095] 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.

[1096] 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.

[1097] 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."

[1098] overview

[1099] The present invention relates to a real estate loan selection support system that supports users in selecting the most suitable mortgage loan plan. The system begins with the user inputting their personal information, and then explains fixed and variable interest rates, presents and evaluates multiple loan options, creates and proposes repayment plans, explains credit scores, and presents financial institution screening criteria.

[1100] Program processing overview

[1101] User Registration and Login

[1102] A user accesses the system from a device (PC or smartphone) and registers by entering basic information such as name, email address, and password. The server receives the entered information and registers the user as a new user in the database. After registration is complete, the user accesses the system from the login screen using their email address and password. The server checks the entered authentication information and, if correct, redirects the user to their profile page.

[1103] Collection of User Information

[1104] After logging in, the server displays a questionnaire on the user's terminal to collect information such as annual income, family composition, current debt status, etc. The user answers these questions and submits the information. The server receives the submitted information and stores it in a database.

[1105] Fixed and variable interest rates explained

[1106] The server displays an explanation of fixed and variable interest rates, including their respective advantages and disadvantages, on the terminal. The user reads the information provided to deepen their understanding.

[1107] Present and evaluate different loan options

[1108] The server analyzes the stored user information and calculates different loan options, such as interest rates and fixed interest rates. The calculation results are displayed on the terminal and presented to the user. In addition, the server collects the latest interest rate information provided by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranking format.

[1109] Generate and propose repayment plans

[1110] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user enters the additional information and submits it. The server generates an optimal repayment plan based on the provided information, displays it on the terminal, and proposes it to the user. The user can review the generated repayment plan and select it if they are satisfied.

[1111] Providing credit score information

[1112] The server displays an explanation of the importance of credit scores and the factors that influence them on the terminal. The user reads and understands the information provided and learns how credit scores affect loan approval.

[1113] Providing information on screening criteria for banks and financial institutions

[1114] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[1115] Specific examples

[1116] Example 1: A man in his 40s with an annual income of 5 million yen

[1117] If this user is looking for a new loan, after initial registration, they enter their annual income and family composition information. The server provides the user with an explanation of fixed and variable interest rates, which the user understands. Next, the server calculates the interest rate and adjustable interest rate options and presents them to the user. The server suggests Financial Institution A as the best option, and the user confirms the repayment plan proposed by the server. The user then checks their credit score and Financial Institution A's screening criteria and undergoes screening.

[1118] Example 2: A couple in their 30s who both earn ¥8 million a year

[1119] If this couple is looking for a new loan, after initial registration they enter their annual income and family composition information. The server provides the couple with an explanation of fixed and variable interest rates, which they understand. Next, based on the optimal interest rate information, the server determines that a variable interest rate offers the greatest benefits and presents it to the couple. As a repayment plan, it generates and proposes a long-term repayment plan that also takes into account the cost of their children's education and future expenses. The couple check their credit scores and Financial Institution B's screening criteria, and undergo screening.

[1120] In this way, users can more easily select the best mortgage loan based on their individual needs.

[1121] The processing flow will be explained below.

[1122] Step 1:

[1123] Users access the system from their terminal and register by entering basic information such as their name, email address, and password.

[1124] Step 2:

[1125] The server receives the entered information and registers the new user in the database. After the registration is complete, the server sends a registration completion message to the terminal.

[1126] Step 3:

[1127] Users access the system through a login screen using their email address and password.

[1128] Step 4:

[1129] The server verifies the entered credentials and, if correct, redirects the user to their profile page.

[1130] Step 5:

[1131] The server displays a questionnaire on the terminal to collect information such as the user's annual income, family composition, and current debt situation.

[1132] Step 6:

[1133] The user answers these questions and submits the information.

[1134] Step 7:

[1135] The server receives the information and stores it in a database.

[1136] Step 8:

[1137] The server displays an explanation on the terminal, including the advantages and disadvantages of fixed and variable interest rates.

[1138] Step 9:

[1139] The user reads and understands the information provided.

[1140] Step 10:

[1141] The server performs analysis based on the stored user information and calculates different loan options such as interest rates and fixed interest rates.

[1142] Step 11:

[1143] The server displays the calculation results on the terminal and presents loan options to the user.

[1144] Step 12:

[1145] The server collects the latest interest rate information offered by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranked format.

[1146] Step 13:

[1147] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period.

[1148] Step 14:

[1149] The user enters and submits additional information.

[1150] Step 15:

[1151] The server generates an optimal repayment plan based on the provided information and displays it on the terminal to suggest to the user.

[1152] Step 16:

[1153] The user checks the generated repayment plan and selects it if they are satisfied.

[1154] Step 17:

[1155] The server displays an explanation on the terminal about the importance of the credit score and the factors that influence it.

[1156] Step 18:

[1157] Users read the information provided and understand how their credit score affects their loan application.

[1158] Step 19:

[1159] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal.

[1160] Step 20:

[1161] Based on the information provided, users can compare and consider the screening criteria of each financial institution.

[1162] These are the specific processing steps of the program, which allow the user to efficiently select the most suitable mortgage loan.

[1163] Example 1

[1164] 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."

[1165] In the current mortgage market, it is difficult for users to easily and efficiently select the loan plan that best suits them. In particular, it is difficult to understand the difference between fixed and variable interest rates and their respective advantages and disadvantages, and it is time-consuming to compare the terms of different financial institutions. Furthermore, creating an optimal repayment plan based on the user's credit score, income, and repayment period is also time-consuming. A system that solves these issues is needed.

[1166] 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.

[1167] In this invention, the server includes means for acquiring information about the user, means for presenting the advantages and disadvantages of different interest rate types, means for calculating and presenting multiple loan options, means for collecting financial institution information and providing the optimal option, means for generating and proposing a repayment plan, means for explaining the importance of credit scores and influencing factors, means for collecting and displaying the screening criteria of multiple financial institutions, and means for user registration and login via a terminal. This enables the user to easily and efficiently select the optimal mortgage plan based on their own information.

[1168] "User information" refers to personal information about the user, such as annual income, family composition, and debt status.

[1169] "Interest rate type" refers to the type of fixed and variable interest rate that applies to the loan.

[1170] "Loan options" refers to a selection of multiple loan plans presented to the user.

[1171] "Financial institution information" refers to information such as each financial institution's loan terms, interest rates, and screening criteria.

[1172] "Repayment plan" refers to a specific schedule and amount for a user to repay a loan.

[1173] A "credit score" is a numerical indicator of a user's creditworthiness and refers to factors that affect loan screening.

[1174] "Screening criteria" refers to the evaluation criteria used by financial institutions when providing loans.

[1175] "Terminal" refers to a device such as a computer or smartphone that a user uses to access the system.

[1176] "Server" refers to a central computer system for processing information sent by users and providing the necessary data.

[1177] "Ranking format" refers to a display method in which multiple options are arranged in order of merit based on specific criteria.

[1178] This invention relates to a real estate loan selection support system, which supports a series of processes for users to select the most suitable mortgage loan plan. This system is mainly composed of three entities: a server, a terminal, and a user.

[1179] 1. User Registration and Login

[1180] A user accesses the system from a device (PC or smartphone) and registers by entering basic information such as the requested name, email address, and password. The server receives the information sent by the user and registers the user as a new user in the database. After registration is complete, the server sends the user a confirmation email, and the user clicks the link in the email to activate their account. After activation, the user accesses the system from the login screen using their email address and password. The server checks the entered authentication information, and if it is correct, redirects the user to their profile page.

[1181] 2. Collection of User Information

[1182] After logging in, the server displays a questionnaire on the user's terminal, asking about annual income, family composition, current debt status, etc. The user answers these questions and submits the information via the terminal. The server stores the received information in a database.

[1183] 3. Explanation of fixed and variable interest rates

[1184] The server creates text explaining the advantages and disadvantages of fixed and variable interest rates, sends it to the terminal, and displays it. The user reads the provided information to deepen their understanding.

[1185] 4. Present and evaluate different loan options

[1186] The server calculates different loan options, such as interest rates and fixed interest rates, based on the saved user information. This involves collecting and analyzing the latest interest rate information from financial institutions. The results of the calculation and analysis are sent to the terminal in a ranking format and presented to the user. The user can then compare and consider the best loan options based on the presented information.

[1187] 5. Generate and propose repayment plans

[1188] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user fills in the form and presses the submit button. The server generates a repayment plan based on the received information and sends the result to the terminal to propose to the user. The user can review the generated repayment plan and select it if they are satisfied.

[1189] 6. Providing credit score information

[1190] The server creates an explanation about the importance of credit scores and the factors that influence them, and sends it to the terminal for display. The user reads the provided information and understands the importance of credit scores.

[1191] 7. Providing information on the screening criteria of banks and financial institutions

[1192] The server collects and analyzes the screening criteria information of each financial institution. The results are sent to the terminal and displayed to the user. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[1193] Specific examples

[1194] Example 1: A man in his 40s with an annual income of 5 million yen

[1195] 1. The user performs initial registration on the terminal and enters information such as annual income and family composition.

[1196] 2. The server stores this information and provides the user with an explanation of fixed and variable interest rates.

[1197] 3. The user understands the instructions and reviews the different loan options offered by the server.

[1198] 4. The server proposes Financial Institution A as the best option, and the user confirms the proposed repayment plan.

[1199] 5. The user checks their credit score and Financial Institution A's screening criteria and undergoes screening.

[1200] Example 2: A couple in their 30s who both earn ¥8 million a year

[1201] 1. The couple completes the initial registration on their device and enters their annual income and family composition information.

[1202] 2. The server stores this information and provides an explanation of fixed and variable interest rates.

[1203] 3. Based on the optimal interest rate information, the server determines that a variable interest rate offers the greatest benefits and presents it to the couple.

[1204] 4. The couple reviews the proposed repayment plan and selects a long-term repayment plan that takes into account their children's education expenses and future expenses.

[1205] 5. The couple checks their credit score and Financial Institution B's screening criteria and undergoes screening.

[1206] Prompt Sentence Examples

[1207] "In a system that helps a man in his 40s with an annual income of 5 million yen select the most suitable mortgage plan, what information would he input and what process would he go through to select the most suitable loan? Please explain with concrete examples."

[1208] "Please explain with a concrete example what steps the system takes to collect information and how it proposes a repayment plan for a dual-income couple in their 30s with an annual income of 8 million yen, taking into account future educational expenses and other expenses, in order to create an optimal repayment plan."

[1209] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1210] Step 1: User Registration and Login

[1211] 1. The user accesses the system from a terminal and enters their name, email address, and password.

[1212] 2. The terminal sends the entered information to the server.

[1213] 3. The server stores the received information in its database and registers the new user.

[1214] 4. After the server completes registration, it sends a confirmation email to the user, which contains a link to activate the account.

[1215] 5. The user clicks on the link in the confirmation email to activate their account.

[1216] 6. The user accesses the system again through the login screen using their email address and password.

[1217] 7. The server validates the entered credentials and, if correct, redirects the user to their profile page.

[1218] Input: User's name, email address, and password

[1219] Output: User account activated, profile page accessed

[1220] Step 2: Collect user information

[1221] 1. After logging in, the server displays a questionnaire on the user's terminal, asking questions such as annual income, family composition, and current debt situation.

[1222] 2. The user enters the answer into the displayed question form and clicks the submit button.

[1223] 3. The terminal sends the entered information to the server.

[1224] 4. The server stores the received information in a database.

[1225] Input: User information such as annual income, family composition, debt status, etc.

[1226] Output: User information stored in the database

[1227] Step 3: Explain fixed and variable interest rates

[1228] 1. The server creates text data explaining the advantages and disadvantages of fixed and variable interest rates.

[1229] 2. The server sends this text data to the terminal.

[1230] 3. The terminal displays the text data and presents it to the user in a readable format.

[1231] 4. The user reads the displayed information and deepens their understanding.

[1232] Input: Text data on the advantages and disadvantages of fixed and variable interest rates

[1233] Output: Information displayed in a user-friendly format

[1234] Step 4: Present and evaluate different loan options

[1235] 1. The server starts calculating loan options based on the saved user information. It sets values ​​such as interest rates and interest adjustments and performs calculations.

[1236] 2. The server collects the latest interest rate information from multiple financial institutions and sends the analysis results to the terminal.

[1237] 3. The terminal displays the calculation and analysis results to the user in a ranking format.

[1238] 4. Based on the information presented, the user compares and considers the best loan options.

[1239] Input: User's annual income, debt status, latest interest rate information from multiple financial institutions

[1240] Output: A ranked list of loan options

[1241] Step 5: Generate and propose a repayment plan

[1242] 1. The server displays an additional form on the terminal to obtain additional information such as the user's budget and repayment period.

[1243] 2. The user enters the required information into the add form and clicks the submit button.

[1244] 3. The terminal sends the entered information to the server.

[1245] 4. The server generates an optimal repayment plan based on the provided information and sends the results to the terminal.

[1246] 5. The terminal displays the generated repayment plan to the user.

[1247] 6. The user reviews the proposed repayment plan and selects it if they are satisfied.

[1248] Input: Detailed information such as user's budget, repayment period, etc.

[1249] Output: The optimal repayment plan displayed.

[1250] Step 6: Provide your credit score information

[1251] 1. The server creates a description of the importance and influencing factors of the credit score.

[1252] 2. The server sends the created description to the terminal.

[1253] 3. The device displays the explanatory text and provides it in a format that the user can understand.

[1254] 4. The user reads the information provided and understands the importance of credit scores.

[1255] Input: A description of the importance and influencing factors of the credit score

[1256] Output: Credit score information displayed to the user

[1257] Step 7: Providing information on the screening criteria of banks and financial institutions

[1258] 1. The server collects and analyzes the screening criteria information of each financial institution.

[1259] 2. The server sends the analysis results to the terminal.

[1260] 3. The terminal displays the collected and analyzed screening criteria information to the user.

[1261] 4. Based on the information provided, the user compares and considers the screening criteria of each financial institution.

[1262] Input: Financial institution's screening criteria information

[1263] Output: Parsed review criteria information displayed to the user

[1264] This series of processing steps allows the user to easily and efficiently select the optimal mortgage plan based on their own information.

[1265] (Application example 1)

[1266] 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."

[1267] In recent years, users have had difficulty selecting the most suitable loan plan for themselves when choosing a real estate loan. In particular, there is a lack of systems that provide optimal loan options while adequately protecting users' personal information. Furthermore, insufficient security in handling user information increases the risk of personal information leaks, which could lead to unauthorized use. For this reason, there is a need for systems that handle information more safely and efficiently.

[1268] 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.

[1269] In this invention, the server includes means for acquiring information about the user, means for presenting the advantages and disadvantages of different interest rate types, means for calculating and presenting multiple loan options, means for generating and proposing a repayment plan, means for explaining the importance of credit scores and influencing factors, means for collecting and displaying the screening criteria of multiple financial institutions, means for encrypting user information and storing it in a database, and means for user registration and login using two-factor authentication. This enables the user to select the optimal mortgage plan while protecting their personal information.

[1270] The "means for acquiring information about the user" refers to a system or device for collecting personal information such as the user's annual income, family structure, and debt situation.

[1271] A "means for presenting the advantages and disadvantages of different interest rate types" is a system or device for explaining the characteristics, advantages, and disadvantages of different interest rate types, such as fixed interest rates and variable interest rates.

[1272] A "means for calculating and presenting multiple loan options" is a system or device for calculating different loan options and presenting the results to a user.

[1273] The "means for generating and proposing a repayment plan" is a system or device for automatically generating an optimal repayment plan based on the user's budget and repayment period and proposing it to the user.

[1274] A "means for explaining the importance of credit scores and the factors that influence them" is a system or device for explaining how credit scores affect mortgage loan approval.

[1275] The "means for collecting and displaying the screening criteria of a plurality of financial institutions" is a system or device for collecting the screening criteria required by a plurality of financial institutions and displaying them in a format that is easy for the user to see.

[1276] "Means for encrypting user information and storing it in a database" refers to a system or device that uses encryption technology to protect users' personal information and safely store it in a database.

[1277] A "means for user registration and login using two-factor authentication" is a system or device for user registration and login that provides enhanced security by requiring an additional authentication code in addition to a password when a user accesses the system.

[1278] This invention provides a system that supports users in selecting the most suitable mortgage plan, and is mainly composed of a server, a terminal, and a user.

[1279] System Program

[1280] 1. User Registration and Login

[1281] Users access the system from their device (PC or smartphone) and register by entering basic information such as their name, email address, and password. At this time, security is enhanced by introducing two-factor authentication (2FA). The server receives the entered information and registers the user as a new user in the database. After registration is complete, the user accesses the system from the login screen using their email address, password, and the 2FA authentication code. The server verifies the entered authentication information, and if it is correct, redirects the user to their profile page.

[1282] 2. Collection of User Information

[1283] After logging in, the server displays a questionnaire on the user's terminal to collect information such as annual income, family composition, current debt status, etc. The user answers these questions and submits the information. The server receives the submitted information, encrypts the data using encryption technology (e.g., Fernet), and stores it securely in a database.

[1284] 3. Explanation of fixed and variable interest rates

[1285] The server displays an explanation of fixed and variable interest rates, including their respective advantages and disadvantages, on the terminal. The user reads the information provided to deepen their understanding.

[1286] 4. Present and evaluate different loan options

[1287] The server analyzes the stored user information and calculates different loan options, such as interest rates and fixed interest rates.These calculation results are displayed on the terminal and presented to the user.The server also collects the latest interest rate information provided by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranked format.

[1288] 5. Generate and propose repayment plans

[1289] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user enters the additional information and submits it. The server generates an optimal repayment plan based on the provided information, displays it on the terminal, and proposes it to the user. The user can review the generated repayment plan and select it if they are satisfied.

[1290] 6. Providing credit score information

[1291] The server displays an explanation of the importance of credit scores and the factors that influence them on the terminal. The user reads and understands the information provided and learns how credit scores affect loan approval.

[1292] 7. Providing information on the screening criteria of banks and financial institutions

[1293] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[1294] Hardware and software used

[1295] This system is based on a server using the Django framework, Fernet encryption technology used to encrypt user information, an OTP generation library to realize two-factor authentication, and an email sending function. The server manages user data using a database (e.g., PostgreSQL).

[1296] Specific examples

[1297] Example 1: A man in his 40s with an annual income of 5 million yen

[1298] If this user is looking for a new loan, after initial registration, they enter their annual income and family composition information. The server provides the user with an explanation of fixed and variable interest rates, which the user understands. Next, the server calculates loan options with different interest rates and adjustable interest rates and presents them to the user. The server suggests Financial Institution A as the best option, and the user confirms the repayment plan proposed by the server. The user then checks their credit score and Financial Institution A's screening criteria and undergoes screening.

[1299] Example 2: A couple in their 30s who both earn ¥8 million a year

[1300] If this couple is looking for a new loan, after initial registration they enter their annual income and family composition information. The server provides the couple with an explanation of fixed and variable interest rates, which they understand. Next, based on the optimal interest rate information, the server determines that a variable interest rate offers the greatest benefits and presents it to the couple. As a repayment plan, it generates and proposes a long-term repayment plan that also takes into account the cost of their children's education and future expenses. The couple check their credit scores and Financial Institution B's screening criteria, and undergo screening.

[1301] Example prompts to input to the generative AI model

[1302] "As a requirement for developing a mortgage selection support system, please tell me how to encrypt and store annual income, family composition, and debt status."

[1303] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1304] Step 1:

[1305] User Registration and Login

[1306] The terminal displays a screen for entering the user's name, email address, and password. When the user enters this information and presses the submit button, an authentication code for two-factor authentication (2FA) is generated and sent to the user's email address. The server receives this information, hashes the user's password using SHA-256, and stores it in a database. The user enters the authentication code sent to their email address and sends the email address, hashed password, and authentication code to the server. The server verifies that the authentication code is correct, and if so, redirects the user to their profile page.

[1307] Input: User's name, email address, password, and two-factor authentication code

[1308] Output: Save registered user information to the database and display the profile page when login is successful

[1309] Step 2:

[1310] Collection of User Information

[1311] After logging in, the terminal displays a form for the user to enter information such as annual income, family composition, current debt status, etc. When the user enters this information and presses the submit button, the server receives the information. The server then encrypts the user's information using Fernet encryption technology and stores it securely in a database.

[1312] Input: User information such as annual income, family composition, debt status, etc.

[1313] Output: Encrypted user information stored in a database

[1314] Step 3:

[1315] Fixed and variable interest rates explained

[1316] The server creates text explaining the advantages and disadvantages of fixed and variable interest rates and sends it to the terminal. The terminal displays this information and provides an interface for the user to deepen their understanding. The user reads the presented information and deepens their understanding.

[1317] Input: None (or static text on the server side)

[1318] Output: Display of explanation of advantages and disadvantages of fixed and variable interest rates

[1319] Step 4:

[1320] Present and evaluate different loan options

[1321] The server analyzes the collected user information and calculates different loan options, such as interest rates and fixed interest rates. The calculation results are sent to the terminal and presented to the user. The server also collects the latest interest rate information from multiple financial institutions, evaluates the optimal loan options based on the analysis results, and presents them to the user in a ranked format.

[1322] Input: Collected user information, interest rate information from financial institutions

[1323] Output: Best loan options and ranking

[1324] Step 5:

[1325] Generate and propose repayment plans

[1326] The server displays a form on the terminal to obtain additional information such as the user's budget and repayment period. When the user enters the additional information and presses the submit button, the server receives it and generates an optimal repayment plan based on the obtained information. The generated repayment plan is sent to the terminal and presented to the user. The user can review the presented repayment plan and select it if they are satisfied.

[1327] Input: Additional information such as user budget, repayment period, etc.

[1328] Output: Optimal repayment plan

[1329] Step 6:

[1330] Providing credit score information

[1331] The server sends text to the terminal explaining the importance of credit scores and the factors that influence them. The terminal displays this text and provides an interface for the user to deepen their understanding of credit scores. The user reads the provided information and deepens their understanding of the impact credit scores have on loan applications.

[1332] Input: None (or static text on the server side)

[1333] Output: Display of explanatory text about the importance of the credit score and the factors that influence it

[1334] Step 7:

[1335] Providing information on screening criteria for banks and financial institutions

[1336] The server collects the screening criteria of each financial institution and sends the analysis results to the terminal. The terminal displays the results and provides an interface that allows the user to compare the screening criteria of each financial institution. Based on the information provided, the user can understand the screening criteria of each financial institution and select the financial institution that is best suited to them.

[1337] Input: Financial institution's screening criteria information

[1338] Output: Presentation of financial institution's screening criteria

[1339] 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.

[1340] overview

[1341] The present invention relates to a real estate loan selection support system, and in particular to a system incorporating an emotion engine that recognizes user emotions in real time to support users in selecting the most suitable mortgage plan. The system allows users to input their own information, and then explains fixed and variable interest rates, presents and evaluates multiple loan options, creates and proposes repayment plans, explains credit scores, presents financial institutions' screening criteria, and displays information and support according to the user's emotional state.

[1342] Program processing overview

[1343] User Registration and Login

[1344] A user accesses the system from a device (PC or smartphone) and registers by entering basic information such as name, email address, and password. The server receives the entered information and registers the user as a new user in the database. After registration is complete, the user accesses the system from the login screen using their email address and password. The server checks the entered authentication information and, if correct, redirects the user to their profile page.

[1345] Collection of User Information

[1346] After logging in, the server displays a questionnaire on the user's terminal to collect information such as annual income, family composition, current debt status, etc. The user answers these questions and submits the information. The server receives the submitted information and stores it in a database.

[1347] Fixed and variable interest rates explained

[1348] The server displays an explanation of fixed and variable interest rates, including their respective advantages and disadvantages, on the terminal. The user reads the information provided to deepen their understanding.

[1349] Present and evaluate different loan options

[1350] The server analyzes the stored user information and calculates different loan options, such as interest rates and fixed interest rates. The calculation results are displayed on the terminal and provided to the user. In addition, the server collects the latest interest rate information offered by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranking format.

[1351] Generate and propose repayment plans

[1352] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user enters the additional information and submits it. The server generates an optimal repayment plan based on the provided information, displays it on the terminal, and proposes it to the user. The user can review the generated repayment plan and select it if they are satisfied.

[1353] Providing credit score information

[1354] The server displays an explanation of the importance of credit scores and the factors that influence them on the terminal. The user reads the provided information and understands how credit scores affect loan approval.

[1355] Providing information on screening criteria for banks and financial institutions

[1356] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[1357] User Emotion Recognition

[1358] The server uses an emotion engine to recognize the user's emotional state in real time while the user is using the system through the terminal. The emotion engine uses devices such as a camera and microphone to analyze the user's facial expressions and tone of voice.

[1359] Emotion-based information regulation

[1360] The server adjusts the displayed information based on the user's perceived emotional state. For example, if the user is feeling anxious or stressed, the server will display more detailed explanations or reassuring messages. Conversely, if the user is feeling confident or at ease, the server will display information encouraging them to take the next step.

[1361] Specific examples

[1362] Example 1: A man in his 40s with an annual income of 5 million yen

[1363] If this user is looking for a new loan, after initial registration they will enter information such as annual income and family composition. The server will provide the user with an explanation of fixed and variable interest rates, which the user will understand. Next, the server will calculate the interest rate and adjustable interest rate options and present them to the user. The server will suggest Financial Institution A as the optimal option, and the user will confirm the repayment plan proposed by the server. During this process, if the emotion engine detects any concerns from the user, the server will provide more detailed explanations and display additional information to resolve any doubts. The user will then check their credit score and Financial Institution A's screening criteria and undergo screening.

[1364] Example 2: A couple in their 30s who both earn ¥8 million a year

[1365] If this couple is looking for a new loan, after initial registration they will enter their annual income and family composition information. The server will provide the couple with an explanation of fixed and variable interest rates, which they will understand. Next, based on the optimal interest rate information, the server will determine that a variable interest rate offers the greatest benefits and present it to the couple. As a repayment plan, it will generate and propose a long-term repayment plan that also takes into account future expenses such as the children's education. If the emotion engine detects that the couple feels at ease, the server will display information encouraging them to proceed to the next step, and the couple will review and select a repayment plan. The couple will then check their credit score and Financial Institution B's screening criteria and undergo screening.

[1366] In this way, the system of the present invention can efficiently assist in selecting the most suitable mortgage loan while taking into account the user's emotional state.

[1367] The processing flow will be explained below.

[1368] Step 1:

[1369] The user registers by entering basic information such as name, email address, and password from the terminal.

[1370] Step 2:

[1371] The server receives the entered information and registers the user as a new user in the database. After the registration is complete, the server sends a registration completion message to the terminal.

[1372] Step 3:

[1373] Users access the system through a login screen using their email address and password.

[1374] Step 4:

[1375] The server verifies the entered credentials and, if correct, redirects the user to the profile page.

[1376] Step 5:

[1377] The server displays a questionnaire form on the terminal to collect information such as the user's annual income, family composition, and current debt situation.

[1378] Step 6:

[1379] The user fills out the inquiry form and submits the required information.

[1380] Step 7:

[1381] The server receives the transmitted information and stores it in a database.

[1382] Step 8:

[1383] The server displays an explanation on the terminal, including the advantages and disadvantages of fixed and variable interest rates.

[1384] Step 9:

[1385] The user reads the explanations through the terminal and understands which type is best for them.

[1386] Step 10:

[1387] The server performs analysis based on the stored user information and calculates different loan options such as interest rates and fixed interest rates.

[1388] Step 11:

[1389] The server displays the calculation results on the terminal and presents loan options to the user.

[1390] Step 12:

[1391] The server collects the latest interest rate information provided by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranking format.

[1392] Step 13:

[1393] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period.

[1394] Step 14:

[1395] The user enters and submits the additional information.

[1396] Step 15:

[1397] The server generates an optimal repayment plan based on the provided information and displays it on the terminal to suggest to the user.

[1398] Step 16:

[1399] The user checks the generated repayment plan and selects it if he is fully satisfied.

[1400] Step 17:

[1401] The server displays a document on the terminal that explains the importance of credit scores and the factors that influence them.

[1402] Step 18:

[1403] Users read and understand the information provided and learn how their credit score affects their loan application.

[1404] Step 19:

[1405] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal.

[1406] Step 20:

[1407] Based on the information provided, the user compares and considers the screening criteria of each financial institution.

[1408] Step 21:

[1409] The server uses the emotion engine to recognize the user's emotional state in real time while the user is using the system through the terminal.

[1410] Step 22:

[1411] The emotion engine uses devices such as cameras and microphones to analyze the user's facial expressions and tone of voice.

[1412] Step 23:

[1413] The server then tailors the information displayed based on the user's perceived emotions: for example, if the user is feeling anxious or stressed, the server displays additional detailed explanations or reassuring messages.

[1414] Step 24:

[1415] Conversely, if the user feels confident and at ease, the server displays information encouraging them to proceed to the next step.

[1416] The above is the flow of processing in the real estate loan selection support system, which enables users to efficiently select the most suitable home loan.

[1417] Example 2

[1418] 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."

[1419] Conventional mortgage selection support systems often provide information without considering the user's emotional state, which can make it difficult for users to make appropriate decisions if they feel anxious or stressed. Furthermore, it can be difficult to present loan options and repayment plans that fit a user's individual requirements, which can prevent them from making the optimal choice. This can lead to users being unable to select the optimal loan and potentially signing a contract under unfavorable terms.

[1420] 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.

[1421] In this invention, the server includes means for acquiring information about the user, means for presenting the advantages and disadvantages of different interest rate types, means for calculating and presenting multiple loan options, means for generating and proposing repayment plans, means for explaining the importance of credit scores and influencing factors, means for collecting and displaying the screening criteria of multiple financial institutions, and means for recognizing the emotional state of the user and adjusting the information to be displayed based on the recognized emotion. This enables support for selecting a home loan that takes the user's emotional state into consideration, and provides efficient and reassuring support for the user to select the optimal loan plan.

[1422] "Information about the user" refers to personal data such as the user's attributes, financial situation, family structure, and debt status.

[1423] "Advantages and disadvantages of different interest rate types" refers to information that explains the respective advantages and disadvantages of fixed and variable interest rates.

[1424] "Loan Options" refers to the multiple mortgage plan choices offered to the user.

[1425] "Repayment plan" refers to a plan that indicates the specific schedule and amount for the user to repay the loan.

[1426] A "credit score" is a numerical value that evaluates a user's credit risk and refers to factors that affect loan screening.

[1427] "Financial institution screening criteria" refers to the evaluation criteria and conditions used by multiple financial institutions when screening loan applications.

[1428] "User's emotional state" refers to the emotions or psychological state (e.g., anxiety, relief, etc.) that a user feels when receiving information.

[1429] "Adjusting displayed information based on emotions" refers to changing the content and presentation of information provided in accordance with the recognized emotional state of the user.

[1430] overview

[1431] The present invention relates to a real estate loan selection support system, and in particular, incorporates an emotion engine that recognizes user emotions in real time. This system supports users in selecting the optimal mortgage plan, explains fixed and variable interest rates, presents and evaluates multiple loan options, generates and proposes repayment plans, explains credit scores, presents financial institution screening criteria, and displays information and support according to the user's emotional state.

[1432] Hardware and software used

[1433] The system uses the following hardware and software:

[1434] Hardware

[1435] Terminal (PC, smartphone): Used by users to enter information and check results.

[1436] Camera: Captures the user's facial expressions in real time.

[1437] Microphone: Captures the tone of the user's voice.

[1438] software

[1439] Server: Processes and manages data. For example, using Apache or Nginx.

[1440] Database: Stores user information, for example using MySQL or PostgreSQL.

[1441] Emotion engine: Recognizes the user's emotional state, for example using Microsoft Azure Emotion API or Google Cloud's Speech-to-Text.

[1442] Data processing and calculation

[1443] The main processing flow of the system is as follows:

[1444] 1. User registration: The user enters their name, email address, and password on their device and submits the information. The server receives this information and stores it in a database.

[1445] 2. Login authentication: When a user enters their email address and password on the login screen, the server verifies this and, if correct, creates a session and redirects the user to their profile page.

[1446] 3. Collecting user information: The server displays questions such as annual income and family composition on the terminal and stores the information the user answers in a database.

[1447] 4. Explanation of fixed and variable interest rates: The server generates an explanation of the advantages and disadvantages and sends it to the terminal.

[1448] 5. Presentation and evaluation of loan options: The server calculates and evaluates various loan options based on the user information and displays them on the terminal.

[1449] 6. Generating and proposing a repayment plan: Once the user enters additional information, the server generates an optimal repayment plan and sends it to the terminal.

[1450] 7. Providing credit score information: The server explains the importance of the credit score and sends it to the terminal.

[1451] 8. Providing information on financial institution screening criteria: The server collects the screening criteria of multiple financial institutions and displays them on the terminal.

[1452] 9. User emotion recognition: The emotion engine uses the camera and microphone to recognize the user's emotional state in real time, and the server adjusts the displayed information accordingly.

[1453] Specific examples

[1454] Example 1: A man in his 40s with an annual income of 5 million yen

[1455] The user performs an initial registration and enters information such as annual income and family composition. The server provides an explanation of fixed and variable interest rates, which the user understands. The server then calculates various loan options and suggests Financial Institution A as the best option. The user checks the repayment plan, and if the emotion engine detects any concerns during the process, the server provides a more detailed explanation. The user then checks their credit score and Financial Institution A's screening criteria and undergoes screening.

[1456] Example 2: A couple in their 30s who both earn ¥8 million a year

[1457] The couple completes the initial registration and enters information such as annual income and family composition. The server provides an explanation of fixed and variable interest rates, which the couple understands. Next, the server determines that a variable interest rate has the greatest benefits based on the optimal interest rate information and presents it to the couple. As a repayment plan, it proposes a long-term repayment plan that also takes into account future expenses such as the children's education. If the emotion engine detects that the couple feels at ease, the server displays information encouraging them to proceed to the next step. The couple confirms the repayment plan, then checks their credit scores and Financial Institution B's screening criteria and undergoes screening.

[1458] In this way, the system of the present invention takes into account the user's emotional state and helps them select the most suitable mortgage loan efficiently and with peace of mind.

[1459] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1460] Step 1: User Registration

[1461] User operation: The user accesses the system from a device (PC or smartphone), enters their name, email address, and password, and clicks the registration button.

[1462] Enter your name, email address, and password.

[1463] Server processing: The server receives the entered user information, validates the input data, and if validation is successful, registers the new user in the database using an SQL query, generates a registration completion message, and sends it to the terminal.

[1464] Output: Registration successful message.

[1465] Step 2: Login and Authentication

[1466] User action: The user enters the email address and password they provided during registration into the login screen and clicks the login button.

[1467] Enter your email address and password.

[1468] Server action: The server receives the entered authentication information and checks it against the database. If the check is successful, it creates a session and redirects the user to their profile page. If the check is not successful, it generates an error message and sends it to the device.

[1469] Output: Redirect to profile page or error message.

[1470] Step 3: Collect user information

[1471] User operation: The user enters information such as annual income, family composition, and current debt status into the questionnaire form displayed on the terminal and clicks the submit button.

[1472] Input: Annual income, family composition, current debt situation.

[1473] Server processing: The server receives the input information, stores it in a database as properly formatted data, and generates a message indicating that the data has been saved and sends it to the terminal.

[1474] Output: Save complete message.

[1475] Step 4: Explain fixed and variable interest rates

[1476] Server processing: The server generates an explanation of the advantages and disadvantages of fixed and variable interest rates and sends it to the terminal.

[1477] Input: None.

[1478] User Action: The user reads the explanation displayed on the terminal and understands the difference between fixed and variable interest rates.

[1479] Output: Fixed and variable interest rate descriptions.

[1480] Step 5: Present and evaluate different loan options

[1481] Server processing: The server performs risk assessment based on the collected user information and calculates loan options such as interest rates and fixed interest rates. The calculation results are generated in a ranking format and sent to the terminal.

[1482] Input: User information (annual income, family composition, debt status) and the latest interest rate information from financial institutions.

[1483] User Action: The user reviews the loan options presented and selects the one that meets their requirements.

[1484] Output: A ranked list of loan options.

[1485] Step 6: Generate and propose a repayment plan

[1486] User Action: The user fills in the additional form with detailed information such as budget and repayment period and clicks the submit button.

[1487] Input: Budget, Repayment Period.

[1488] Server processing: The server generates an optimal repayment plan based on the provided information and sends it to the device. The server also includes a proposal for a plan that is suitable for the user.

[1489] Output: Optimal repayment plan proposal.

[1490] Step 7: Provide your credit score information

[1491] Server processing: The server generates an explanation of the importance of the credit score and the factors that influence it, and sends it to the terminal.

[1492] Input: None.

[1493] User Action: The user reads the information presented and understands how their credit score affects their loan application.

[1494] Output: A description of the credit score.

[1495] Step 8: Provide financial institution's screening criteria information

[1496] Server processing: The server collects information on screening criteria from multiple financial institutions and sends the analysis results to the terminal.

[1497] Input: Financial institution's screening criteria information.

[1498] User action: The user checks and compares the screening criteria of the financial institutions presented.

[1499] Output: A list of financial institution screening criteria.

[1500] Step 9: Recognizing User Emotions

[1501] Device behavior: The device's built-in camera and microphone capture the user's facial expressions and tone of voice in real time.

[1502] Input: Facial expression data, voice tone data.

[1503] Server processing: The server uses an emotion engine to analyze the captured data and recognize the user's emotional state. The server determines the next action based on the emotional data.

[1504] Output: The user's emotional state.

[1505] Step 10: Regulating Information Based on Emotions

[1506] Server processing: The server adjusts the displayed information based on the user's recognized emotional state. For example, if the user is feeling anxious, the server generates a more detailed explanation or a reassuring message and sends it to the device.

[1507] Input: The user's emotional state.

[1508] User Action: The user can either read through the displayed calibration information or be prompted to proceed to the next step.

[1509] Output: Emotionally tailored information.

[1510] (Application example 2)

[1511] 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."

[1512] In today's mortgage market, there are numerous options and complex interest rate options, making it extremely difficult for users to select the optimal loan plan. Anxiety and stress can also be a major problem for users when selecting a loan. To solve these issues, a system is needed that provides users with emotional support, helps them properly understand the information, and enables them to make the optimal choice.

[1513] 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 acquiring information about the user, means for presenting the advantages and disadvantages of different interest rate types, means for calculating and presenting multiple loan options, means for generating and proposing a repayment plan, means for explaining the importance of credit scores and influencing factors, means for collecting and displaying the screening criteria of multiple financial institutions, means for recognizing the user's emotional state in real time, means for adjusting and displaying information based on the emotional state, and display means for the user to compare mortgage information in a virtual environment. This enables the user to easily understand complex mortgage options and select the optimal loan plan while receiving emotional support.

[1514] "Information about the user" refers to information about the user's financial situation and lifestyle, such as annual income, family composition, and current debt status.

[1515] "Interest rate type" refers to different forms of interest rates, such as fixed and variable interest rates.

[1516] "Loan options" refers to mortgage options with multiple terms, such as different interest rates or fixed interest rates.

[1517] "Repayment plan" refers to a loan repayment schedule generated by the system based on the user's budget and repayment period.

[1518] A "credit score" is a numerical representation of a user's creditworthiness, and is an indicator used in loan screening.

[1519] "Financial institution screening criteria" refers to the standards and conditions used by multiple financial institutions when conducting loan screening.

[1520] "Emotional state" refers to emotions such as anxiety, relief, and confidence that are recognized in real time from the user's facial expressions and tone of voice.

[1521] "Virtual environment" refers to a virtual space that users access using smart glasses or a head-mounted display.

[1522] "Adjusting information" refers to changing the content and depth of information provided based on the user's emotional state.

[1523] "Display" refers to a mechanism that allows a user to visually compare and understand mortgage information within a virtual environment.

[1524] The present invention provides a real estate loan selection support system incorporating an emotion engine. In particular, the system supports users in selecting the most suitable mortgage plan by using smart glasses or the like to recognize emotions in real time in a virtual store.

[1525] System Overview

[1526] The system provides the following functionality through smart glasses worn by the user:

[1527] 1. User Information Collection:

[1528] The server acquires information from the user wearing the smart glasses, such as annual income, family composition, and current debt status. This information is entered by the user into the terminal.

[1529] 2. Interest rate type description:

[1530] The server visually presents the advantages and disadvantages of fixed and variable interest rates to the user through a virtual engine.

[1531] 3. Present loan options:

[1532] The server calculates multiple loan options based on the acquired user information and visually presents them in a virtual environment.

[1533] It also collects the latest interest rate information from financial institutions and presents users with the most suitable loan options in a ranked format.

[1534] 4. Generate and propose repayment plans:

[1535] The system automatically generates an optimal repayment plan by collecting detailed information about the user's budget and repayment period, and visually presents the results to the user through a virtual engine.

[1536] 5. Credit Score and Approval Criteria Explained:

[1537] The server explains the importance of credit scores and the screening criteria of each financial institution and displays this information to the user.

[1538] 6. Emotion recognition:

[1539] The server uses data from the smart glasses' camera and microphone to analyze the user's facial expressions and tone of voice, and an emotion engine recognizes the user's emotional state in real time.

[1540] 7. Information Coordination and Display:

[1541] The server then adjusts the information displayed based on the user's perceived emotional state, for example displaying additional detailed instructions if the user feels anxious, or providing next step information if the user feels reassured.

[1542] System configuration and operation

[1543] The system consists of the following hardware and software:

[1544] Hardware:

[1545] Smart glasses (with built-in camera, microphone, and display)

[1546] server

[1547] software:

[1548] Emotion Engine

[1549] Virtual Engine

[1550] Database

[1551] The server receives data from the smart glasses and uses the emotion engine to analyze the emotional state. Based on the results, the virtual engine displays appropriate information to the user.

[1552] Specific examples

[1553] Specific usage scenarios include the following examples:

[1554] 1. A man in his 40s with an annual income of 5 million yen looking for a new loan:

[1555] After initial registration, the user enters their information into the terminal. The server provides an explanation of fixed and variable interest rates and presents multiple loan options. If the emotion engine detects the user's concerns, the server provides additional detailed explanations. The user then checks their credit score and the financial institution's screening criteria, and undergoes screening.

[1556] 2. A couple in their 30s with an annual income of 8 million yen each looking for a new loan:

[1557] After initial registration, couples enter their detailed information. The server then presents the best variable interest rate loan options and suggests a repayment plan that takes future expenses into account. If the emotion engine detects a sense of security in the couple, it displays information for the next step, where the couple undergoes screening.

[1558] Example prompt sentence:

[1559] Scenarios where a user visits a virtual store:

[1560] A user is looking for a new mortgage. They put on smart glasses and enter a virtual environment. Facial expressions are analyzed to recognize the user's emotions, providing detailed explanations when they are anxious and helping them feel more at ease.

[1561] In this way, the system of the present invention can efficiently assist in selecting the most suitable mortgage loan while taking into account the user's emotional state.

[1562] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1563] Step 1:

[1564] A user puts on smart glasses and accesses a virtual store. A virtual avatar appears and guides the user. The user then performs initial registration and enters basic information such as name, email address, and password. The device sends this information to the server, which then registers the entered information as a new user in the database. This records the user information in the system, and the user is able to access the system.

[1565] Input: User's basic information (name, email address, password)

[1566] Output: New user registration completed

[1567] Specific operation: The user inputs information using the input device of the smart glasses, and the terminal sends the information to the server.

[1568] Step 2:

[1569] On the login screen, the user enters their email address and password to log in to the system. The server verifies the entered authentication information and, if correct, redirects the user to their profile page, allowing them to access each function of the system.

[1570] Input: User authentication information (email address, password)

[1571] Output: Login success / failure message, profile page displayed

[1572] Specific operation: The server checks the authentication information against the database and, if correct, performs a redirect.

[1573] Step 3:

[1574] After logging in, the server displays a questionnaire to the user to collect information such as annual income, family composition, and current debt status. The user answers these questions and submits the information via their terminal. The server receives the submitted information and stores it in a database. This allows the user's detailed financial information to be recorded in the system.

[1575] Input: User details (annual income, family composition, debt status)

[1576] Output: Detailed information collection completed

[1577] Specific operation: The user answers a question form using smart glasses, and the device sends the information to the server.

[1578] Step 4:

[1579] The server displays an explanation of fixed and variable interest rates, including their respective advantages and disadvantages, on the terminal. The user reads the information provided and deepens their understanding. This provides the user with basic knowledge about interest rates.

[1580] Input: Request interest rate type description

[1581] Output:Description of interest rate type

[1582] Specific operation: The server retrieves the description from the database and displays it on the terminal.

[1583] Step 5:

[1584] The server analyzes the stored user information and calculates different loan options, such as interest rates and fixed interest rates. The calculation results are displayed on the terminal and provided to the user. The server also collects the latest interest rate information from multiple financial institutions and presents the optimal loan options in a ranked format, allowing the user to select the optimal loan plan from multiple options.

[1585] Input: User information, interest rate information from multiple financial institutions

[1586] Output: Loan options presented and ranked

[1587] Specific operation: The server collects information from the database and external API, calculates loan options, and displays the results on the terminal.

[1588] Step 6:

[1589] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user enters the additional information and submits it. The server generates an optimal repayment plan based on the provided information, displays it on the terminal, and proposes it to the user. The user reviews the generated repayment plan and selects it if they are satisfied. This provides the user with a customized repayment plan.

[1590] Input: User's additional information (budget, repayment period)

[1591] Output: Proposed repayment plan

[1592] Specific operation: The user enters additional information into the smart glasses, and the server generates a repayment plan based on that information and displays it on the device.

[1593] Step 7:

[1594] The server displays an explanation of the importance of credit scores and the factors that influence them on the terminal. The user reads the provided information and understands how credit scores affect loan approval. This allows the user to recognize the importance of their own credit score.

[1595] Input: Credit score information request

[1596] Output: Credit score description

[1597] Specific operation: The server retrieves the relevant description from the database and displays it on the terminal.

[1598] Step 8:

[1599] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal. The user can compare the screening criteria of each financial institution based on the information provided. This allows the user to obtain information to select the financial institution that is best suited to them.

[1600] Input: Screening criteria information for each financial institution

[1601] Output: Presentation of financial institution's screening criteria

[1602] Specific operation: The server collects review criteria information from external APIs and databases, analyzes it, and displays it on the terminal.

[1603] Step 9:

[1604] The server uses the emotion engine to recognize the user's emotional state in real time while the user is using the system. The emotion engine uses the camera and microphone in the smart glasses to analyze the user's facial expressions and tone of voice and transmits the data to the server, which then recognizes the user's current emotional state.

[1605] Input: Video and audio data from smart glasses

[1606] Output: User's emotional state

[1607] How it works: The smart glasses capture video and audio, and the emotion engine analyzes them to recognize the user's emotional state.

[1608] Step 10:

[1609] The server adjusts the information displayed based on the user's recognized emotional state. For example, if the user is feeling anxious or stressed, the server will display a detailed explanation or a message offering reassurance. Conversely, if the user is feeling confident or at ease, the server will display information encouraging the user to proceed to the next step. This allows the user to use the system while receiving appropriate support according to their emotions.

[1610] Input: User's emotional state

[1611] Output: Adjusted information display

[1612] Specific operation: The server adjusts the display information based on the results of the emotion engine and displays an appropriate message on the device.

[1613] 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.

[1614] 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.

[1615] 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.

[1616] [Fourth embodiment]

[1617] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[1618] 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.

[1619] 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).

[1620] 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.

[1621] 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.

[1622] 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).

[1623] 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.

[1624] 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.

[1625] 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.

[1626] 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.

[1627] 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.

[1628] 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.

[1629] 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."

[1630] overview

[1631] The present invention relates to a real estate loan selection support system that supports users in selecting the most suitable mortgage loan plan. The system begins with the user inputting their personal information, and then explains fixed and variable interest rates, presents and evaluates multiple loan options, creates and proposes repayment plans, explains credit scores, and presents financial institution screening criteria.

[1632] Program processing overview

[1633] User Registration and Login

[1634] A user accesses the system from a device (PC or smartphone) and registers by entering basic information such as name, email address, and password. The server receives the entered information and registers the user as a new user in the database. After registration is complete, the user accesses the system from the login screen using their email address and password. The server checks the entered authentication information and, if correct, redirects the user to their profile page.

[1635] Collection of User Information

[1636] After logging in, the server displays a questionnaire on the user's terminal to collect information such as annual income, family composition, current debt status, etc. The user answers these questions and submits the information. The server receives the submitted information and stores it in a database.

[1637] Fixed and variable interest rates explained

[1638] The server displays an explanation of fixed and variable interest rates, including their respective advantages and disadvantages, on the terminal. The user reads the information provided to deepen their understanding.

[1639] Present and evaluate different loan options

[1640] The server analyzes the stored user information and calculates different loan options, such as interest rates and fixed interest rates. The calculation results are displayed on the terminal and presented to the user. In addition, the server collects the latest interest rate information provided by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranking format.

[1641] Generate and propose repayment plans

[1642] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user enters the additional information and submits it. The server generates an optimal repayment plan based on the provided information, displays it on the terminal, and proposes it to the user. The user can review the generated repayment plan and select it if they are satisfied.

[1643] Providing credit score information

[1644] The server displays an explanation of the importance of credit scores and the factors that influence them on the terminal. The user reads and understands the information provided and learns how credit scores affect loan approval.

[1645] Providing information on screening criteria for banks and financial institutions

[1646] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[1647] Specific examples

[1648] Example 1: A man in his 40s with an annual income of 5 million yen

[1649] If this user is looking for a new loan, after initial registration, they enter their annual income and family composition information. The server provides the user with an explanation of fixed and variable interest rates, which the user understands. Next, the server calculates the interest rate and adjustable interest rate options and presents them to the user. The server suggests Financial Institution A as the best option, and the user confirms the repayment plan proposed by the server. The user then checks their credit score and Financial Institution A's screening criteria and undergoes screening.

[1650] Example 2: A couple in their 30s who both earn ¥8 million a year

[1651] If this couple is looking for a new loan, after initial registration they enter their annual income and family composition information. The server provides the couple with an explanation of fixed and variable interest rates, which they understand. Next, based on the optimal interest rate information, the server determines that a variable interest rate offers the greatest benefits and presents it to the couple. As a repayment plan, it generates and proposes a long-term repayment plan that also takes into account the cost of their children's education and future expenses. The couple check their credit scores and Financial Institution B's screening criteria, and undergo screening.

[1652] In this way, users can more easily select the best mortgage loan based on their individual needs.

[1653] The processing flow will be explained below.

[1654] Step 1:

[1655] Users access the system from their terminal and register by entering basic information such as their name, email address, and password.

[1656] Step 2:

[1657] The server receives the entered information and registers the new user in the database. After the registration is complete, the server sends a registration completion message to the terminal.

[1658] Step 3:

[1659] Users access the system through a login screen using their email address and password.

[1660] Step 4:

[1661] The server verifies the entered credentials and, if correct, redirects the user to their profile page.

[1662] Step 5:

[1663] The server displays a questionnaire on the terminal to collect information such as the user's annual income, family composition, and current debt situation.

[1664] Step 6:

[1665] The user answers these questions and submits the information.

[1666] Step 7:

[1667] The server receives the information and stores it in a database.

[1668] Step 8:

[1669] The server displays an explanation on the terminal, including the advantages and disadvantages of fixed and variable interest rates.

[1670] Step 9:

[1671] The user reads and understands the information provided.

[1672] Step 10:

[1673] The server performs analysis based on the stored user information and calculates different loan options such as interest rates and fixed interest rates.

[1674] Step 11:

[1675] The server displays the calculation results on the terminal and presents loan options to the user.

[1676] Step 12:

[1677] The server collects the latest interest rate information offered by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranked format.

[1678] Step 13:

[1679] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period.

[1680] Step 14:

[1681] The user enters and submits additional information.

[1682] Step 15:

[1683] The server generates an optimal repayment plan based on the provided information and displays it on the terminal to suggest to the user.

[1684] Step 16:

[1685] The user checks the generated repayment plan and selects it if they are satisfied.

[1686] Step 17:

[1687] The server displays an explanation on the terminal about the importance of the credit score and the factors that influence it.

[1688] Step 18:

[1689] Users read the information provided and understand how their credit score affects their loan application.

[1690] Step 19:

[1691] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal.

[1692] Step 20:

[1693] Based on the information provided, users can compare and consider the screening criteria of each financial institution.

[1694] These are the specific processing steps of the program, which allow the user to efficiently select the most suitable mortgage loan.

[1695] Example 1

[1696] 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."

[1697] In the current mortgage market, it is difficult for users to easily and efficiently select the loan plan that best suits them. In particular, it is difficult to understand the difference between fixed and variable interest rates and their respective advantages and disadvantages, and it is time-consuming to compare the terms of different financial institutions. Furthermore, creating an optimal repayment plan based on the user's credit score, income, and repayment period is also time-consuming. A system that solves these issues is needed.

[1698] 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.

[1699] In this invention, the server includes means for acquiring information about the user, means for presenting the advantages and disadvantages of different interest rate types, means for calculating and presenting multiple loan options, means for collecting financial institution information and providing the optimal option, means for generating and proposing a repayment plan, means for explaining the importance of credit scores and influencing factors, means for collecting and displaying the screening criteria of multiple financial institutions, and means for user registration and login via a terminal. This enables the user to easily and efficiently select the optimal mortgage plan based on their own information.

[1700] "User information" refers to personal information about the user, such as annual income, family composition, and debt status.

[1701] "Interest rate type" refers to the type of fixed and variable interest rate that applies to the loan.

[1702] "Loan options" refers to a selection of multiple loan plans presented to the user.

[1703] "Financial institution information" refers to information such as each financial institution's loan terms, interest rates, and screening criteria.

[1704] "Repayment plan" refers to a specific schedule and amount for a user to repay a loan.

[1705] A "credit score" is a numerical indicator of a user's creditworthiness and refers to factors that affect loan screening.

[1706] "Screening criteria" refers to the evaluation criteria used by financial institutions when providing loans.

[1707] "Terminal" refers to a device such as a computer or smartphone that a user uses to access the system.

[1708] "Server" refers to a central computer system for processing information sent by users and providing the necessary data.

[1709] "Ranking format" refers to a display method in which multiple options are arranged in order of merit based on specific criteria.

[1710] This invention relates to a real estate loan selection support system, which supports a series of processes for users to select the most suitable mortgage loan plan. This system is mainly composed of three entities: a server, a terminal, and a user.

[1711] 1. User Registration and Login

[1712] A user accesses the system from a device (PC or smartphone) and registers by entering basic information such as the requested name, email address, and password. The server receives the information sent by the user and registers the user as a new user in the database. After registration is complete, the server sends the user a confirmation email, and the user clicks the link in the email to activate their account. After activation, the user accesses the system from the login screen using their email address and password. The server checks the entered authentication information, and if it is correct, redirects the user to their profile page.

[1713] 2. Collection of User Information

[1714] After logging in, the server displays a questionnaire on the user's terminal, asking about annual income, family composition, current debt status, etc. The user answers these questions and submits the information via the terminal. The server stores the received information in a database.

[1715] 3. Explanation of fixed and variable interest rates

[1716] The server creates text explaining the advantages and disadvantages of fixed and variable interest rates, sends it to the terminal, and displays it. The user reads the provided information to deepen their understanding.

[1717] 4. Present and evaluate different loan options

[1718] The server calculates different loan options, such as interest rates and fixed interest rates, based on the saved user information. This involves collecting and analyzing the latest interest rate information from financial institutions. The results of the calculation and analysis are sent to the terminal in a ranking format and presented to the user. The user can then compare and consider the best loan options based on the presented information.

[1719] 5. Generate and propose repayment plans

[1720] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user fills in the form and presses the submit button. The server generates a repayment plan based on the received information and sends the result to the terminal to propose to the user. The user can review the generated repayment plan and select it if they are satisfied.

[1721] 6. Providing credit score information

[1722] The server creates an explanation about the importance of credit scores and the factors that influence them, and sends it to the terminal for display. The user reads the provided information and understands the importance of credit scores.

[1723] 7. Providing information on the screening criteria of banks and financial institutions

[1724] The server collects and analyzes the screening criteria information of each financial institution. The results are sent to the terminal and displayed to the user. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[1725] Specific examples

[1726] Example 1: A man in his 40s with an annual income of 5 million yen

[1727] 1. The user performs initial registration on the terminal and enters information such as annual income and family composition.

[1728] 2. The server stores this information and provides the user with an explanation of fixed and variable interest rates.

[1729] 3. The user understands the instructions and reviews the different loan options offered by the server.

[1730] 4. The server proposes Financial Institution A as the best option, and the user confirms the proposed repayment plan.

[1731] 5. The user checks their credit score and Financial Institution A's screening criteria and undergoes screening.

[1732] Example 2: A couple in their 30s who both earn ¥8 million a year

[1733] 1. The couple completes the initial registration on their device and enters their annual income and family composition information.

[1734] 2. The server stores this information and provides an explanation of fixed and variable interest rates.

[1735] 3. Based on the optimal interest rate information, the server determines that a variable interest rate offers the greatest benefits and presents it to the couple.

[1736] 4. The couple reviews the proposed repayment plan and selects a long-term repayment plan that takes into account their children's education expenses and future expenses.

[1737] 5. The couple checks their credit score and Financial Institution B's screening criteria and undergoes screening.

[1738] Prompt Sentence Examples

[1739] "In a system that helps a man in his 40s with an annual income of 5 million yen select the most suitable mortgage plan, what information would he input and what process would he go through to select the most suitable loan? Please explain with concrete examples."

[1740] "Please explain with a concrete example what steps the system takes to collect information and how it proposes a repayment plan for a dual-income couple in their 30s with an annual income of 8 million yen, taking into account future educational expenses and other expenses, in order to create an optimal repayment plan."

[1741] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1742] Step 1: User Registration and Login

[1743] 1. The user accesses the system from a terminal and enters their name, email address, and password.

[1744] 2. The terminal sends the entered information to the server.

[1745] 3. The server stores the received information in its database and registers the new user.

[1746] 4. After the server completes registration, it sends a confirmation email to the user, which contains a link to activate the account.

[1747] 5. The user clicks on the link in the confirmation email to activate their account.

[1748] 6. The user accesses the system again through the login screen using their email address and password.

[1749] 7. The server validates the entered credentials and, if correct, redirects the user to their profile page.

[1750] Input: User's name, email address, and password

[1751] Output: User account activated, profile page accessed

[1752] Step 2: Collect user information

[1753] 1. After logging in, the server displays a questionnaire on the user's terminal, asking questions such as annual income, family composition, and current debt situation.

[1754] 2. The user enters the answer into the displayed question form and clicks the submit button.

[1755] 3. The terminal sends the entered information to the server.

[1756] 4. The server stores the received information in a database.

[1757] Input: User information such as annual income, family composition, debt status, etc.

[1758] Output: User information stored in the database

[1759] Step 3: Explain fixed and variable interest rates

[1760] 1. The server creates text data explaining the advantages and disadvantages of fixed and variable interest rates.

[1761] 2. The server sends this text data to the terminal.

[1762] 3. The terminal displays the text data and presents it to the user in a readable format.

[1763] 4. The user reads the displayed information and deepens their understanding.

[1764] Input: Text data on the advantages and disadvantages of fixed and variable interest rates

[1765] Output: Information displayed in a user-friendly format

[1766] Step 4: Present and evaluate different loan options

[1767] 1. The server starts calculating loan options based on the saved user information. It sets values ​​such as interest rates and interest adjustments and performs calculations.

[1768] 2. The server collects the latest interest rate information from multiple financial institutions and sends the analysis results to the terminal.

[1769] 3. The terminal displays the calculation and analysis results to the user in a ranking format.

[1770] 4. Based on the information presented, the user compares and considers the best loan options.

[1771] Input: User's annual income, debt status, latest interest rate information from multiple financial institutions

[1772] Output: A ranked list of loan options

[1773] Step 5: Generate and propose a repayment plan

[1774] 1. The server displays an additional form on the terminal to obtain additional information such as the user's budget and repayment period.

[1775] 2. The user enters the required information into the add form and clicks the submit button.

[1776] 3. The terminal sends the entered information to the server.

[1777] 4. The server generates an optimal repayment plan based on the provided information and sends the results to the terminal.

[1778] 5. The terminal displays the generated repayment plan to the user.

[1779] 6. The user reviews the proposed repayment plan and selects it if they are satisfied.

[1780] Input: Detailed information such as user's budget, repayment period, etc.

[1781] Output: The optimal repayment plan displayed.

[1782] Step 6: Provide your credit score information

[1783] 1. The server creates a description of the importance and influencing factors of the credit score.

[1784] 2. The server sends the created description to the terminal.

[1785] 3. The device displays the explanatory text and provides it in a format that the user can understand.

[1786] 4. The user reads the information provided and understands the importance of credit scores.

[1787] Input: A description of the importance and influencing factors of the credit score

[1788] Output: Credit score information displayed to the user

[1789] Step 7: Providing information on the screening criteria of banks and financial institutions

[1790] 1. The server collects and analyzes the screening criteria information of each financial institution.

[1791] 2. The server sends the analysis results to the terminal.

[1792] 3. The terminal displays the collected and analyzed screening criteria information to the user.

[1793] 4. Based on the information provided, the user compares and considers the screening criteria of each financial institution.

[1794] Input: Financial institution's screening criteria information

[1795] Output: Parsed review criteria information displayed to the user

[1796] This series of processing steps allows the user to easily and efficiently select the optimal mortgage plan based on their own information.

[1797] (Application example 1)

[1798] 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."

[1799] In recent years, users have had difficulty selecting the most suitable loan plan for themselves when choosing a real estate loan. In particular, there is a lack of systems that provide optimal loan options while adequately protecting users' personal information. Furthermore, insufficient security in handling user information increases the risk of personal information leaks, which could lead to unauthorized use. For this reason, there is a need for systems that handle information more safely and efficiently.

[1800] 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.

[1801] In this invention, the server includes means for acquiring information about the user, means for presenting the advantages and disadvantages of different interest rate types, means for calculating and presenting multiple loan options, means for generating and proposing a repayment plan, means for explaining the importance of credit scores and influencing factors, means for collecting and displaying the screening criteria of multiple financial institutions, means for encrypting user information and storing it in a database, and means for user registration and login using two-factor authentication. This enables the user to select the optimal mortgage plan while protecting their personal information.

[1802] The "means for acquiring information about the user" refers to a system or device for collecting personal information such as the user's annual income, family structure, and debt situation.

[1803] A "means for presenting the advantages and disadvantages of different interest rate types" is a system or device for explaining the characteristics, advantages, and disadvantages of different interest rate types, such as fixed interest rates and variable interest rates.

[1804] A "means for calculating and presenting multiple loan options" is a system or device for calculating different loan options and presenting the results to a user.

[1805] The "means for generating and proposing a repayment plan" is a system or device for automatically generating an optimal repayment plan based on the user's budget and repayment period and proposing it to the user.

[1806] A "means for explaining the importance of credit scores and the factors that influence them" is a system or device for explaining how credit scores affect mortgage loan approval.

[1807] The "means for collecting and displaying the screening criteria of a plurality of financial institutions" is a system or device for collecting the screening criteria required by a plurality of financial institutions and displaying them in a format that is easy for the user to see.

[1808] "Means for encrypting user information and storing it in a database" refers to a system or device that uses encryption technology to protect users' personal information and safely store it in a database.

[1809] A "means for user registration and login using two-factor authentication" is a system or device for user registration and login that provides enhanced security by requiring an additional authentication code in addition to a password when a user accesses the system.

[1810] This invention provides a system that supports users in selecting the most suitable mortgage plan, and is mainly composed of a server, a terminal, and a user.

[1811] System Program

[1812] 1. User Registration and Login

[1813] Users access the system from their device (PC or smartphone) and register by entering basic information such as their name, email address, and password. At this time, security is enhanced by introducing two-factor authentication (2FA). The server receives the entered information and registers the user as a new user in the database. After registration is complete, the user accesses the system from the login screen using their email address, password, and the 2FA authentication code. The server verifies the entered authentication information, and if it is correct, redirects the user to their profile page.

[1814] 2. Collection of User Information

[1815] After logging in, the server displays a questionnaire on the user's terminal to collect information such as annual income, family composition, current debt status, etc. The user answers these questions and submits the information. The server receives the submitted information, encrypts the data using encryption technology (e.g., Fernet), and stores it securely in a database.

[1816] 3. Explanation of fixed and variable interest rates

[1817] The server displays an explanation of fixed and variable interest rates, including their respective advantages and disadvantages, on the terminal. The user reads the information provided to deepen their understanding.

[1818] 4. Present and evaluate different loan options

[1819] The server analyzes the stored user information and calculates different loan options, such as interest rates and fixed interest rates.These calculation results are displayed on the terminal and presented to the user.The server also collects the latest interest rate information provided by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranked format.

[1820] 5. Generate and propose repayment plans

[1821] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user enters the additional information and submits it. The server generates an optimal repayment plan based on the provided information, displays it on the terminal, and proposes it to the user. The user can review the generated repayment plan and select it if they are satisfied.

[1822] 6. Providing credit score information

[1823] The server displays an explanation of the importance of credit scores and the factors that influence them on the terminal. The user reads and understands the information provided and learns how credit scores affect loan approval.

[1824] 7. Providing information on the screening criteria of banks and financial institutions

[1825] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[1826] Hardware and software used

[1827] This system is based on a server using the Django framework, Fernet encryption technology used to encrypt user information, an OTP generation library to realize two-factor authentication, and an email sending function. The server manages user data using a database (e.g., PostgreSQL).

[1828] Specific examples

[1829] Example 1: A man in his 40s with an annual income of 5 million yen

[1830] If this user is looking for a new loan, after initial registration, they enter their annual income and family composition information. The server provides the user with an explanation of fixed and variable interest rates, which the user understands. Next, the server calculates loan options with different interest rates and adjustable interest rates and presents them to the user. The server suggests Financial Institution A as the best option, and the user confirms the repayment plan proposed by the server. The user then checks their credit score and Financial Institution A's screening criteria and undergoes screening.

[1831] Example 2: A couple in their 30s who both earn ¥8 million a year

[1832] If this couple is looking for a new loan, after initial registration they enter their annual income and family composition information. The server provides the couple with an explanation of fixed and variable interest rates, which they understand. Next, based on the optimal interest rate information, the server determines that a variable interest rate offers the greatest benefits and presents it to the couple. As a repayment plan, it generates and proposes a long-term repayment plan that also takes into account the cost of their children's education and future expenses. The couple check their credit scores and Financial Institution B's screening criteria, and undergo screening.

[1833] Example prompts to input to the generative AI model

[1834] "As a requirement for developing a mortgage selection support system, please tell me how to encrypt and store annual income, family composition, and debt status."

[1835] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1836] Step 1:

[1837] User Registration and Login

[1838] The terminal displays a screen for entering the user's name, email address, and password. When the user enters this information and presses the submit button, an authentication code for two-factor authentication (2FA) is generated and sent to the user's email address. The server receives this information, hashes the user's password using SHA-256, and stores it in a database. The user enters the authentication code sent to their email address and sends the email address, hashed password, and authentication code to the server. The server verifies that the authentication code is correct, and if so, redirects the user to their profile page.

[1839] Input: User's name, email address, password, and two-factor authentication code

[1840] Output: Save registered user information to the database and display the profile page when login is successful

[1841] Step 2:

[1842] Collection of User Information

[1843] After logging in, the terminal displays a form for the user to enter information such as annual income, family composition, current debt status, etc. When the user enters this information and presses the submit button, the server receives the information. The server then encrypts the user's information using Fernet encryption technology and stores it securely in a database.

[1844] Input: User information such as annual income, family composition, debt status, etc.

[1845] Output: Encrypted user information stored in a database

[1846] Step 3:

[1847] Fixed and variable interest rates explained

[1848] The server creates text explaining the advantages and disadvantages of fixed and variable interest rates and sends it to the terminal. The terminal displays this information and provides an interface for the user to deepen their understanding. The user reads the presented information and deepens their understanding.

[1849] Input: None (or static text on the server side)

[1850] Output: Display of explanation of advantages and disadvantages of fixed and variable interest rates

[1851] Step 4:

[1852] Present and evaluate different loan options

[1853] The server analyzes the collected user information and calculates different loan options, such as interest rates and fixed interest rates. The calculation results are sent to the terminal and presented to the user. The server also collects the latest interest rate information from multiple financial institutions, evaluates the optimal loan options based on the analysis results, and presents them to the user in a ranked format.

[1854] Input: Collected user information, interest rate information from financial institutions

[1855] Output: Best loan options and ranking

[1856] Step 5:

[1857] Generate and propose repayment plans

[1858] The server displays a form on the terminal to obtain additional information such as the user's budget and repayment period. When the user enters the additional information and presses the submit button, the server receives it and generates an optimal repayment plan based on the obtained information. The generated repayment plan is sent to the terminal and presented to the user. The user can review the presented repayment plan and select it if they are satisfied.

[1859] Input: Additional information such as user budget, repayment period, etc.

[1860] Output: Optimal repayment plan

[1861] Step 6:

[1862] Providing credit score information

[1863] The server sends text to the terminal explaining the importance of credit scores and the factors that influence them. The terminal displays this text and provides an interface for the user to deepen their understanding of credit scores. The user reads the provided information and deepens their understanding of the impact credit scores have on loan applications.

[1864] Input: None (or static text on the server side)

[1865] Output: Display of explanatory text about the importance of the credit score and the factors that influence it

[1866] Step 7:

[1867] Providing information on screening criteria for banks and financial institutions

[1868] The server collects the screening criteria of each financial institution and sends the analysis results to the terminal. The terminal displays the results and provides an interface that allows the user to compare the screening criteria of each financial institution. Based on the information provided, the user can understand the screening criteria of each financial institution and select the financial institution that is best suited to them.

[1869] Input: Financial institution's screening criteria information

[1870] Output: Presentation of financial institution's screening criteria

[1871] 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.

[1872] overview

[1873] The present invention relates to a real estate loan selection support system, and in particular to a system incorporating an emotion engine that recognizes user emotions in real time to support users in selecting the most suitable mortgage plan. The system allows users to input their own information, and then explains fixed and variable interest rates, presents and evaluates multiple loan options, creates and proposes repayment plans, explains credit scores, presents financial institutions' screening criteria, and displays information and support according to the user's emotional state.

[1874] Program processing overview

[1875] User Registration and Login

[1876] A user accesses the system from a device (PC or smartphone) and registers by entering basic information such as name, email address, and password. The server receives the entered information and registers the user as a new user in the database. After registration is complete, the user accesses the system from the login screen using their email address and password. The server checks the entered authentication information and, if correct, redirects the user to their profile page.

[1877] Collection of User Information

[1878] After logging in, the server displays a questionnaire on the user's terminal to collect information such as annual income, family composition, current debt status, etc. The user answers these questions and submits the information. The server receives the submitted information and stores it in a database.

[1879] Fixed and variable interest rates explained

[1880] The server displays an explanation of fixed and variable interest rates, including their respective advantages and disadvantages, on the terminal. The user reads the information provided to deepen their understanding.

[1881] Present and evaluate different loan options

[1882] The server analyzes the stored user information and calculates different loan options, such as interest rates and fixed interest rates. The calculation results are displayed on the terminal and provided to the user. In addition, the server collects the latest interest rate information offered by multiple financial institutions, evaluates the optimal loan options, and presents them to the user in a ranking format.

[1883] Generate and propose repayment plans

[1884] The server displays an additional form on the terminal to obtain detailed information such as the user's budget and repayment period. The user enters the additional information and submits it. The server generates an optimal repayment plan based on the provided information, displays it on the terminal, and proposes it to the user. The user can review the generated repayment plan and select it if they are satisfied.

[1885] Providing credit score information

[1886] The server displays an explanation of the importance of credit scores and the factors that influence them on the terminal. The user reads the provided information and understands how credit scores affect loan approval.

[1887] Providing information on screening criteria for banks and financial institutions

[1888] The server collects the screening criteria of each financial institution and displays the analysis results on the terminal. The user can compare and consider the screening criteria of each financial institution based on the information provided.

[1889] User Emotion Recognition

[1890] The server uses an emotion engine to recognize the user's emotional state in real time while the user is using the system through the terminal. The emotion engine uses devices such as a camera and microphone to analyze the user's facial expressions and tone of voice.

[1891] Emotion-based information regulation

[1892] The server adjusts the displayed information based on the user's perceived emotional state. For example, if the user is feeling anxious or stressed, the server will display more detailed explanations or reassuring messages. Conversely, if the user is feeling confident or at ease, the server will display information encouraging them to take the next step.

[1893] Specific examples

[1894] Example 1: A man in his 40s with an annual income of 5 million yen

[1895] If this user is looking for a new loan, after initial registration they will enter information such as annual income and family composition. The server will provide the user with an explanation of fixed and variable interest rates, which the user will understand. Next, the server will calculate the interest rate and adjustable interest rate options and present them to the user. The server will suggest Financial Institution A as the optimal option, and the user will confirm the repayment plan proposed by the server. During this process, if the emotion engine detects any concerns from the user, the server will provide more detailed explanations and display additional information to resolve any doubts. The user will then check their credit score and Financial Institution A's screening criteria and undergo screening.

[1896] Example 2: A couple in their 30s who both earn ¥8 million a year

[1897] If this couple is looking for a new loan, after initial registration they will enter their annual income and family composition information. The server will provide the couple with an explanation of fixed and variable interest rates, which they will understand. Next, based on the optimal interest rate information, the server will determine that a variable interest rate offers the greatest benefits and present it to the couple. As a repayment plan, it will generate and p...

Claims

1. means for obtaining information about a user; A means of presenting the advantages and disadvantages of different interest rate types; A means of calculating and presenting multiple loan options; means for generating and proposing repayment plans; A means to explain the importance of credit scores and the factors that influence them; A means for collecting and displaying the screening criteria of multiple financial institutions; A system including:

2. The system according to claim 1, further comprising means for evaluating optimal loan options based on interest rate information for each financial institution and presenting them to the user in a ranked format.

3. The system according to claim 1, further comprising means for automatically generating an optimal repayment plan based on the user's budget and repayment period, and presenting the plan to the user.

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