System

Abstract

A system is provided.SOLUTION: A system comprising: means for inputting data related to lifestyle and life events of a user; means for transmitting the input data to a server; means for analyzing the received data and generating an asset creation plan suitable for the user; means for transmitting advice generated by the server to a terminal and displaying the advice to the user; means for registering the user for a flat-rate service; means for transmitting registration information to the server and performing settlement processing; and means for linking the server with an insurance company and performing discount application and notification.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

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

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

[0004] In modern society, many individuals feel financial anxiety about the future. In particular, a lack of sufficient knowledge and information about specific asset formation methods for future lifestyles and life events is a challenge. Furthermore, it is often difficult to find a place or person to seek professional advice, leaving individuals with no low-cost means to alleviate their financial anxiety about the future. The present invention aims to provide a system that easily and effectively supports such individuals' future planning. [Means for solving the problem]

[0005] The present invention solves these problems by providing a system that includes a means for inputting data related to a user's lifestyle and life events, a means for transmitting the input data to a server, a means for the server to analyze the received data and generate an asset formation plan suitable for the user, a means for transmitting the advice generated from the server to a terminal and displaying it to the user, a means for the user to register for a flat-rate service, a means for transmitting registration information to the server and performing payment processing, a means for the user to subscribe to an insurance product, and a means for the server to work with insurance companies to apply discounts and provide notifications.

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

[0007] "Lifestyle" refers to the user's desired future lifestyle and the goals they wish to achieve throughout their life.

[0008] "Life events" refer to important events that users may experience (e.g., marriage, childbirth, tuition fees, retirement expenses, etc.).

[0009] "Data" refers to information entered by the user regarding future lifestyle and life events.

[0010] "Means of input" refers to the interface or functionality that allows users to provide data to the system.

[0011] "Server" refers to a central device for receiving and analyzing data sent by users.

[0012] "Analysis" refers to the process by which the server performs calculations and evaluations based on the data received from the user.

[0013] An "asset formation plan" refers to a plan for future financial assets and insurance needs that is generated by the server based on the user's data.

[0014] "Advice" refers to specific suggestions and instructions based on the asset formation plan generated by the server.

[0015] "Terminal" refers to a device used by a user, such as a smartphone or computer.

[0016] "Flat Rate Service" refers to a service provided for a fixed monthly fee.

[0017] "Payment Processing" refers to the process of collecting fees from users for subscription services.

[0018] "Insurance Products" refers to various insurance contracts that users subscribe to.

[0019] "Discount application" refers to a reduction in part of the fee for a specific insurance product that the server provides to the user.

[0020] "Notification" refers to the act of a server sending information to a terminal to notify the user. [Brief explanation of the drawings]

[0021] [Figure 1] 1 is a conceptual diagram showing an example of the configuration of a data processing system according to a first embodiment. [Figure 2] 1 is a conceptual diagram showing an example of main functions of a data processing device and a smart device according to a first embodiment. [Figure 3] FIG. 10 is a conceptual diagram showing an example of the configuration of a data processing system according to a second embodiment. [Figure 4] FIG. 10 is a conceptual diagram showing an example of main functions of a data processing device and smart glasses according to a second embodiment. [Figure 5] FIG. 10 is a conceptual diagram showing an example of the configuration of a data processing system according to a third embodiment. [Figure 6] FIG. 11 is a conceptual diagram showing an example of main functions of a data processing device and a headset-type terminal according to a third embodiment. [Figure 7]FIG. 10 is a conceptual diagram showing an example of the configuration of a data processing system according to a fourth embodiment. [Figure 8] FIG. 10 is a conceptual diagram showing an example of main functions of a data processing device and a robot according to a fourth embodiment. [Figure 9] 1 shows an emotion map onto which multiple emotions are mapped. [Figure 10] 1 shows an emotion map onto which multiple emotions are mapped. [Figure 11] FIG. 3 is a sequence diagram showing a processing flow of the data processing system according to the first embodiment. [Figure 12] FIG. 10 is a sequence diagram showing the flow of processing in the data processing system in Application Example 1. [Figure 13] FIG. 10 is a sequence diagram showing the flow of processing in the data processing system according to the second embodiment when an emotion engine is combined. [Figure 14] FIG. 10 is a sequence diagram showing the flow of processing in the data processing system in Application Example 2 when an emotion engine is combined. DETAILED DESCRIPTION OF THE INVENTION

[0022] An example of an embodiment of a system according to the technology of the present disclosure will be described below with reference to the accompanying drawings.

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

[0024] In the following embodiments, a coded processor (hereinafter simply referred to as a "processor") may be a single arithmetic device or a combination of multiple arithmetic devices. Furthermore, a processor may be a single type of arithmetic device or a combination of multiple types of arithmetic devices. Examples of arithmetic devices include a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), a GPGPU (General-Purpose computing on Graphics Processing Units), and an APU (Accelerated Processing Unit).

[0025] In the following embodiments, a coded RAM (Random Access Memory) is a memory in which information is temporarily stored and is used as a working memory by a processor.

[0026] In the following embodiments, the coded storage is one or more non-volatile storage devices that store various programs, various parameters, etc. Examples of non-volatile storage devices include flash memory (SSD (Solid State Drive)), magnetic disks (e.g., hard disks), and magnetic tapes.

[0027] In the following embodiments, a communication I / F (Interface) with a symbol is an interface including a communication processor, an antenna, etc. The communication I / F controls communication between multiple computers. Examples of communication standards applied to the communication I / F include wireless communication standards including 5G (5th Generation Mobile Communication System), Wi-Fi (registered trademark), Bluetooth (registered trademark), etc.

[0028] In the following embodiments, "A and / or B" is synonymous with "at least one of A and B." In other words, "A and / or B" means that it may be only A, only B, or a combination of A and B. Furthermore, in this specification, the same concept as "A and / or B" is also applied when three or more things are expressed connected by "and / or."

[0029] [First embodiment]

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

[0031] 1, a data processing system 10 includes a data processing device 12 and a smart device 14. An example of the data processing device 12 is a server.

[0032] The data processing device 12 includes a computer 22, a database 24, and a communication I / F 26. The computer 22 is an example of a "computer" according to the technology of the present disclosure. The computer 22 includes a processor 28, a RAM 30, and a storage 32. The processor 28, the RAM 30, and the storage 32 are connected to a bus 34. The database 24 and the communication I / F 26 are also connected to the bus 34. The communication I / F 26 is connected to a network 54. Examples of the network 54 include a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[0033] The smart device 14 includes a computer 36, a reception device 38, an output device 40, a camera 42, and a communication I / F 44. The computer 36 includes a processor 46, a RAM 48, and a storage 50. The processor 46, the RAM 48, and the storage 50 are connected to a bus 52. The reception device 38, the output device 40, and the camera 42 are also connected to the bus 52.

[0034] The reception device 38 includes a touch panel 38A, a microphone 38B, and the like, and receives user input. The touch panel 38A detects contact with an indicator (for example, a pen or a finger) to receive user input by the touch of the indicator. The microphone 38B detects the user's voice to receive user input by voice. The control unit 46A transmits data indicating the user input received by the touch panel 38A and the microphone 38B to the data processing device 12. In the data processing device 12, the specific processing unit 290 acquires the data indicating the user input.

[0035] The output device 40 includes a display 40A and a speaker 40B, and presents data to the user 20 by outputting the data in a form of expression that the user 20 can perceive (for example, audio and / or text). The display 40A displays visible information such as text and images in accordance with instructions from the processor 46. The speaker 40B outputs audio in accordance with instructions from the processor 46. The camera 42 is a compact digital camera equipped with an optical system including a lens, aperture, and shutter, and an imaging element such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor.

[0036] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 control the exchange of various information between the processor 46 and the processor 28 via the network 54.

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

[0038] 2, in the data processing device 12, a specific process is performed by the processor 28. A specific processing program 56 is stored in the storage 32. The specific processing program 56 is an example of a "program" according to the technology of the present disclosure. The processor 28 reads the specific processing program 56 from the storage 32 and executes the read specific processing program 56 on the RAM 30. The specific process is realized by the processor 28 operating as a specific processing unit 290 in accordance with the specific processing program 56 executed on the RAM 30.

[0039] The storage 32 stores a data generation model 58 and an emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[0040] In the smart device 14, the processor 46 performs the reception output process. The storage 50 stores a reception output program 60. The reception output program 60 is used in conjunction with the specific processing program 56 by the data processing system 10. The processor 46 reads the reception output program 60 from the storage 50 and executes the read reception output program 60 on the RAM 48. The reception output process is realized by the processor 46 operating as the control unit 46A in accordance with the reception output program 60 executed on the RAM 48.

[0041] Next, a description will be given of the specific processing performed by the specific processing unit 290 of the data processing device 12. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0042] The present invention is a system for supporting individuals' future planning. This system allows users to input data about their future lifestyles and life events, and provides optimal asset formation plans and insurance products based on that data. Specific embodiments of the present invention are described below.

[0043] Overall system configuration

[0044] The system consists of three main components: the user terminal, the server, and the user. The user inputs data using the terminal, and the server analyzes the data to generate advice, which is then sent to the terminal and displayed to the user.

[0045] System Operation

[0046] 1. User Actions

[0047] Users launch the application on their devices and enter information about their future lifestyle and life events. Entry items include marriage, childbirth, children's education fees, and retirement living expenses. These items are displayed on an entry screen, and users enter information for each item.

[0048] 2. Data transmission

[0049] Once the user has completed their entry and clicked the submit button, the device sends the entered data to the server, where it is packaged in the appropriate format and sent via a security protocol.

[0050] 3. Analysis on the server

[0051] The server analyzes the received data and generates an asset formation plan based on the user's desired lifestyle and life events, taking into account the user's current financial situation, expected future income, expenses, etc.

[0052] 4. Generating Advice

[0053] Based on the analysis results, the server generates specific advice and suggestions for the user, such as suitable insurance products, specific savings plans, and investment strategies.

[0054] 5. Providing advice

[0055] The generated advice is sent from the server to the device, where it is displayed. The user can review this advice and use it as a basis for considering specific actions.

[0056] 6. Subscription Service Registration

[0057] When a user wants to sign up for a flat-rate service, the device collects the user's registration information and sends it to the server. The server receives the information and processes the payment. During this process, the user enters the necessary information and the flat-rate payment procedure is completed.

[0058] 7. Insurance product enrollment and discounts

[0059] If the user decides to subscribe to the proposed insurance product, the device will display the details. Once the user decides to subscribe and proceeds, the device will send the information to the server. The server will then contact the insurance company and notify them of the subscription information and the 1% discount. The server will then send the processing results to the device, which will then notify the user.

[0060] Specific scenario examples

[0061] Tanaka decided to use the "My Financial Plan" app to plan his future lifestyle. He launched the app and proceeded to the lifestyle input screen. There, he entered information such as "planned marriage," "education expenses for two children," "retirement at age 60," and "living expenses in retirement." When he was finished entering information, he clicked the "Submit" button.

[0062] The device sent this data to the server, which then received it and began analyzing it. After a few seconds, the server created an optimal asset formation plan for Mr. Tanaka and sent specific advice to the device, including "specific insurance products for education expenses," "the amount of savings needed for retirement," and "the optimal investment plan at this stage."

[0063] Tanaka checked the displayed advice and became interested in the insurance product for education expenses. He opened the details page and completed the enrollment procedure. The device sent the enrollment information to the server, and the server linked with the insurance company to apply the discount and confirm the enrollment. The device displayed that the discount had been applied, so Tanaka enrolled in the insurance with peace of mind.

[0064] In this way, the system of the present invention provides specific and effective help to resolve the future anxieties that users face.

[0065] The processing flow will be explained below.

[0066] Step 1:

[0067] Users launch the "My Financial Plan" app on their smartphone or computer.

[0068] Step 2:

[0069] The device will display the app's home screen and present the user with menus such as "Enter lifestyle information" and "Register for flat-rate services."

[0070] Step 3:

[0071] The user selects the "Lifestyle Input" menu and proceeds to the input screen.

[0072] Step 4:

[0073] The device displays questions to the user about their future lifestyle and life events (e.g., marriage, childbirth, tuition fees, retirement expenses, etc.).

[0074] Step 5:

[0075] The user enters the required information for each question and clicks the "Submit" button.

[0076] Step 6:

[0077] The terminal packages the data entered by the user and sends it to the server through a security protocol.

[0078] Step 7:

[0079] The server analyzes the received data and generates an asset formation plan based on the user's desired lifestyle and life events.

[0080] Step 8:

[0081] The server creates specific advice (e.g., suitable insurance products, savings plans, investment strategies, etc.) from the generated asset formation plan.

[0082] Step 9:

[0083] The server packages the generated advice and sends it to the terminal.

[0084] Step 10:

[0085] The terminal displays the advice received from the server to the user.

[0086] Step 11:

[0087] The user reviews the displayed advice and opens the details page of the insurance product that interests them.

[0088] Step 12:

[0089] The terminal displays detailed information about insurance products and assists with the enrollment process.

[0090] Step 13:

[0091] The user enters the necessary information to subscribe to the insurance product and clicks the subscribe button.

[0092] Step 14:

[0093] The device packages the user's subscription information and sends it to the server through a security protocol.

[0094] Step 15:

[0095] The server connects with the insurance company, verifies the user's membership information, and applies a 1% discount.

[0096] Step 16:

[0097] The server notifies the insurance company and sends the result to the terminal.

[0098] Step 17:

[0099] The terminal displays to the user the notification received from the server that subscription has been completed and that the discount has been applied.

[0100] Step 18:

[0101] Users can confirm that the discount has been applied and sign up for insurance with peace of mind.

[0102] Step 19:

[0103] When a user registers for a flat-rate service, the device displays a screen for entering registration information.

[0104] Step 20:

[0105] The user enters their registration information and clicks the "Register" button.

[0106] Step 21:

[0107] The terminal packages the entered registration information and transmits it to the server.

[0108] Step 22:

[0109] The server receives the registration information and processes the payment.

[0110] Step 23:

[0111] The server notifies the terminal that the payment has been completed.

[0112] Step 24:

[0113] The device will display a notification to the user that registration for the flat-rate service has been completed.

[0114] Example 1

[0115] Next, a description will be given of Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0116] In today's society, choosing an asset formation plan or insurance product that suits each individual's life events and lifestyle is a difficult task. Because users are particularly prone to anxiety about their future lifestyles, a system that can provide appropriate advice effectively and efficiently is needed. There is also a need for a method that allows users to easily sign up for flat-rate services and smoothly apply the associated discounts.

[0117] The specific processing by the specific processing unit 290 of the data processing device 12 in the first embodiment is realized by the following means.

[0118] In this invention, the server includes means for inputting data regarding the user's lifestyle and future events, means for transmitting the input data to a central processing unit, means for the central processing unit to analyze the received data and generate an asset formation plan suitable for the user, means for transmitting the advice generated by the central processing unit to a terminal and displaying it to the user, means for the user to register for a flat-rate service, means for transmitting registration information to the central processing unit and performing payment processing, means for the user to subscribe to an insurance product, and means for the central processing unit to cooperate with insurance providers to apply discounts and provide notifications. This allows users to eliminate anxiety about their future life planning, efficiently select an appropriate asset formation plan or insurance product, easily register for the flat-rate service, and enjoy the benefits thereof.

[0119] "User" refers to an individual who uses the system, inputs information about future lifestyles and life events, and receives appropriate advice.

[0120] "Lifestyle" is a concept that encompasses a user's lifestyle, habits, living environment, future plans, etc.

[0121] "Future events" are life events that users predict will occur in the future, including marriage, childbirth, children's further education, retirement, and living expenses in old age.

[0122] "Data" refers to a collection of information entered by users about their lifestyle and future events.

[0123] "Central Processing Unit" refers to the Zentrale computer or server that analyzes data, generates wealth plans, and coordinates with insurance providers in the system.

[0124] "Server" refers to a computer system that receives and analyzes user input data, generates advice, transmits the advice to a terminal, and cooperates with insurance providers.

[0125] An "asset formation plan" is an optimal asset formation plan, investment strategy, and savings plan generated by the server based on the user's lifestyle and future events.

[0126] "Advice" refers to advice or suggestions provided to users by the server based on the analysis results, including specific insurance products, specific savings plans, investment strategies, etc.

[0127] "Terminal" refers to a device operated by a user to access the system and input / receive information, including smartphones, tablets, and PCs.

[0128] "Flat-fee service" refers to a continuous service provided in exchange for a fixed fee paid by the user.

[0129] "Payment processing" refers to the payment processing carried out when a user registers for a flat-rate service.

[0130] "Insurance Product" refers to an insurance contract offered to provide risk hedging or compensation for a User's life events.

[0131] "Insurance provider" refers to a company or organization that offers insurance products, including insurance companies.

[0132] "Integration" refers to the system exchanging and processing data with insurance providers.

[0133] The present invention is a system designed to support individuals' future planning. This system allows users to input data about their future lifestyles and life events, and provides optimal asset formation plans and insurance products based on that data. Specific embodiments for implementing the present invention are described below.

[0134] Overall system configuration

[0135] The system consists of three main components: the user terminal, the server, and the user. The user uses the terminal to input data, and the server analyzes the data to generate advice, which is then sent to the terminal and displayed to the user.

[0136] Hardware and software used

[0137] User devices: smartphones, tablets, computers, etc.

[0138] Server: Cloud service (e.g., Amazon Web Services, Microsoft Azure, etc.)

[0139] Software: User interface application, server-side data analysis program (e.g. Python, Java, etc.), security protocol (SSL / TLS)

[0140] System Operation

[0141] 1. User Actions

[0142] Users launch the application on their devices and enter information about their future lifestyle and life events. Entry items include marriage, childbirth, children's education fees, and retirement living expenses. These items are displayed on an entry screen, and users enter information for each item.

[0143] 2. Data transmission

[0144] When the user completes the input and clicks the submit button, the terminal packages the input data in the appropriate format and sends it to the server via a security protocol (SSL / TLS).

[0145] 3. Analysis on the server

[0146] The server analyzes the received data and generates a wealth formation plan based on the user's desired lifestyle and life events. This analysis takes into account the user's current financial situation, expected future income, expenses, etc. A generative AI model is used for the analysis.

[0147] 4. Generating Advice

[0148] Based on the analysis results, the server generates specific advice and suggestions for the user, such as suitable insurance products, specific savings plans, and investment strategies, using a generative AI model.

[0149] 5. Providing advice

[0150] The generated advice is sent from the server to the device, where it is displayed. The user can review this advice and use it as a basis for considering specific actions.

[0151] 6. Subscription Service Registration

[0152] When a user wants to sign up for a flat-rate service, they enter the necessary information into a dedicated input form. The device sends this registration information to the server, which then processes the payment. The user then enters their payment method, such as credit card information.

[0153] 7. Insurance product enrollment and discounts

[0154] If the user is interested in the proposed insurance product and wishes to apply for it, the device will display the details. The user enters the necessary information into the application form and clicks the submit button. The device then sends this information to the server, which then works with the insurance provider to apply the discount and confirm the application. The results of the discount application are sent to the device and the user is notified.

[0155] Example: User Case

[0156] A user decides to use a "Financial Planning" app to plan their future lifestyle. The user launches the app, goes to the lifestyle input screen, and enters information such as "plans for marriage," "education expenses for two children," "retirement at age 60," and "living expenses in old age." When the user has finished entering information, they click the "Submit" button.

[0157] The device then sent this data to the server, which then began analyzing it. After a few seconds, the server generated an optimal asset formation plan for the user and sent specific advice to the device, including specific insurance products for education expenses, the amount of savings needed for retirement, and the optimal investment plan for the current stage.

[0158] The user checked the displayed advice and became interested in an insurance product for education expenses. He opened the details page and completed the enrollment procedure. The device sent the enrollment information to the server, and the server worked with the insurance provider to apply the discount and confirm the enrollment. The device displayed that the discount had been applied, allowing the user to enroll in the insurance with peace of mind.

[0159] Prompt Sentence Examples

[0160] Here are some example prompts to input to the generative AI model:

[0161] I would like to build a system that provides optimal asset formation plans and insurance products based on the data entered by users. Please tell me the specific processing steps for this system.

[0162] As described above, the system of the present invention relieves users of their anxieties about their future life planning and provides support for efficiently selecting appropriate asset formation plans and insurance products.

[0163] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0164] Step 1:

[0165] The user launches the "Financial Planning" app on their device and enters their ID and password on the login screen.

[0166] Input: User ID and password

[0167] Output: User authentication result

[0168] Specific operation: The terminal sends the ID and password entered by the user to the server, which then compares them with the database for authentication. If authentication is successful, the terminal displays the main menu screen.

[0169] Step 2:

[0170] Users go to the lifestyle input screen from the main menu and enter information about their future lifestyle and life events.

[0171] Input: Information about the user's lifestyle and life events (e.g., marriage plans, children's education expenses, retirement, and post-retirement living expenses)

[0172] Output: Lifestyle information data entered by the user

[0173] Specific operation: The device temporarily stores the information entered by the user for each input field. When the input is complete, the user clicks the "Submit" button.

[0174] Step 3:

[0175] When the user clicks the "Submit" button, the terminal packages the entered data in an appropriate format (e.g., JSON format) and sends it to the server via a security protocol (SSL / TLS).

[0176] Input: Formatted lifestyle information data

[0177] Output: Data sent to the server

[0178] How it works: The device encrypts the data and sends it over the internet to a server, which receives it, decrypts it, and stores it in a database.

[0179] Step 4:

[0180] The server takes in the received data and stores it in a database. It then runs an analysis program to analyze the received data.

[0181] Input: User's lifestyle information data

[0182] Output: Analyzed data, user's financial situation assessment

[0183] Specific operation: The server analyzes the stored data, taking into account the user's current financial situation, expected future income, expenses, etc. It uses an analysis algorithm written in Python, Java, etc.

[0184] Step 5:

[0185] The server uses a generative AI model to generate an optimal asset formation plan based on the analysis results, and also creates specific advice and proposals.

[0186] Input: Parsed data, generative AI model

[0187] Output: Wealth building plan, specific advice and suggestions

[0188] What it does: The generative AI model generates advice and recommendations for the user (e.g. suitable insurance products, savings plans, investment strategies, etc.), formats them, and saves them.

[0189] Step 6:

[0190] The server sends the generated advice to the device, which receives it and displays it to the user.

[0191] Input: Wealth formation plan, specific advice and suggestions

[0192] Output: Advice displayed to the user

[0193] Specific operation: The server sends advice to the device, which receives it and displays it in a format that is easy for the user to understand.

[0194] Step 7:

[0195] When a user wants to register for a flat-rate service, they enter the necessary information into a dedicated input form. The device then sends the registration information to the server, which then processes the payment.

[0196] Input: Subscription service registration information, payment information (credit card, etc.)

[0197] Output: Notification of subscription completion, notification of payment completion

[0198] Specific operation: The terminal receives the user's registration information and payment information and sends them to the server. The server processes the payment through the payment gateway and notifies the terminal of the result.

[0199] Step 8:

[0200] If the user chooses to subscribe to the proposed insurance product, the device will display the details and prompt the user to enter the necessary information. Once the user completes the subscription process, the device will send it to the server, which will then work with the insurance provider to apply the discount and confirm the subscription.

[0201] Input: Insurance product information

[0202] Output: Notification of insurance product enrollment completion, notification of discount application

[0203] Specific operation: The terminal sends the insurance product information entered by the user to the server. The server then forwards the information to the insurance provider and checks whether the discount is applied. The result is sent to the terminal and notified to the user.

[0204] (Application example 1)

[0205] 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."

[0206] Today's busy lives make it difficult for users to find asset formation plans and financial products that suit their future lifestyles and life events. Furthermore, there are limited tools available to make this process easy and efficient. Furthermore, there is a lack of systems that allow users to input necessary information and obtain advice in an intuitive manner, independent of specific devices or applications. In particular, while systems that utilize smart devices and wearable devices have many possibilities, the lack of solutions that effectively utilize them is a major challenge.

[0207] 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.

[0208] In this invention, the server includes: means for inputting data related to the user's lifestyle and life events; means for transmitting the input data to the server; means for the server to analyze the received data and generate an asset formation plan suitable for the user using a generative AI model; means for transmitting the generated advice to a display device and visually displaying it to the user; means for the user to register for a flat-rate service; means for transmitting registration information to the server and performing payment processing; means for the user to subscribe to financial products; means for the server to link with an external system and apply discounts and provide notifications; means for the user to input data by voice input or gesture input using a smart wearable device; and means for providing the generated advice visually on a head-mounted display, thereby enabling the user to intuitively and efficiently input their future life plan and receive appropriate advice.

[0209] "Users" are individuals who use this system to input information about their future lifestyles and life events and receive an appropriate asset formation plan.

[0210] "Lifestyle" refers to the user's lifestyle and important events throughout their life, such as marriage, childbirth, children's education fees, and living expenses in retirement.

[0211] "Life events" are important events in a user's life, such as marriage, childbirth, children's education, and retirement.

[0212] "Data" means information related to a user's lifestyle and life events, and materials necessary to generate an asset formation plan.

[0213] "Input means" refers to a device or method that allows a user to input information, including the use of smart devices and wearable devices.

[0214] A "server" is a computer system that receives and analyzes data sent by users and generates appropriate asset formation plans and advice.

[0215] "Means for analysis" refers to the method by which the server uses the received data to generate an asset formation plan suitable for the user, including a generating AI model and other analytical algorithms.

[0216] The "means for generating" is a method by which the server generates an asset formation plan and advice based on the analysis results.

[0217] The "display means" refers to a device or method for visually displaying the advice sent from the server to the user, and includes a head-mounted display, smart glasses, etc.

[0218] "Flat-fee service" refers to a service that users use by paying a fixed fee, and in this system means a service that includes the provision of asset formation plans and related advice.

[0219] "Payment processing means" means a method for processing payments when a user registers for a service, including technology that ensures secure and efficient payments.

[0220] "Financial products" are products that users use for asset formation and insurance, and in this system refer to the optimal insurance products and savings plans.

[0221] The "means of collaboration, discount application and notification" refers to the method by which the server communicates with external financial institutions and insurance companies, confirms the application of discounts, and notifies the user.

[0222] A "smart wearable device" is a device worn by the user that allows information to be input through voice or gesture input.

[0223] A "head-mounted display" is a device that a user wears on their head to display visual information, and is used to display advice from the server.

[0224] The present invention is a system that allows users to input information about their future lifestyles and life events, and provides optimal asset formation plans and financial products based on this information. The implementation of this system involves the following major components and operations:

[0225] Overall system configuration

[0226] The system consists of three main components: the user's device (including smart wearable devices), a server, and an external system. The user enters information using the device and sends it to the server. The server analyzes the data, generates an optimal asset formation plan and advice, and sends it to the user's device. The server also interacts with external systems as needed to handle processes such as applying discounts to financial products.

[0227] System Operation

[0228] 1. User Actions

[0229] Users put on smart wearable devices (e.g., smart glasses) and input information about their lifestyle and life events using voice or gesture input. Input content includes marriage plans, children's education expenses, retirement plans, and retirement living expenses. This operation is intuitive, allowing users to input data easily.

[0230] 2. Data transmission

[0231] Once the user has completed the input, the device converts the input data into the appropriate format and sends it to the server, which includes packaging the data and sending it through security protocols.

[0232] 3. Analysis on the server

[0233] The server analyzes the received data and generates a wealth formation plan based on the user's lifestyle and life events. This analysis uses a machine learning model (generative AI model), which takes into account the user's current financial situation, expected future income, expenses, etc.

[0234] 4. Generating Advice

[0235] Based on the analysis results, the server generates specific advice and recommendations for the user, such as suitable insurance products, specific savings plans, investment strategies, etc. The generated advice is sent to the user's device.

[0236] 5. Providing advice

[0237] The generated advice is displayed on the user's head-mounted display (HMD) or smart glasses, allowing the user to review the advice and choose their next course of action.

[0238] Hardware and software used

[0239] Smart wearable devices: Devices that allow for voice and gesture input (e.g., smart glasses).

[0240] Server: A computer system (e.g., AWS, Google Cloud) that analyzes data and generates advice.

[0241] Generative AI model: Uses machine learning algorithms to analyze data and generate the best plan for the user.

[0242] Head-mounted display (HMD): A device for visually presenting generated advice to the user.

[0243] Examples of concrete examples and prompts

[0244] As a concrete example, consider a scenario in which a user puts on smart glasses and voice-inputs information such as "I plan to get married in 2024, my education expenses for my two children will be 5 million yen, I plan to retire at 60, and my living expenses after retirement will be 20 million yen." The smart glasses collect this information and send it to the server, and after a few seconds, the optimal insurance product, savings plan, and investment strategy will be displayed on the screen.

[0245] An example prompt is:

[0246] Enter information about your future life events, including your planned marriage, your children's education expenses, retirement plans, and retirement living expenses.

[0247] example:

[0248] Planned marriage date: 2024

[0249] Educational expenses for two children: 5 million yen

[0250] Planned retirement age: 60

[0251] Living expenses in retirement: 20 million yen

[0252] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0253] Step 1:

[0254] Users wear smart wearable devices (e.g., smart glasses) and input information about their lifestyle and life events using voice or gesture input, such as marriage plans, children's education expenses, retirement plans, and retirement living expenses.

[0255] Input: User-initiated voice or gesture input

[0256] Output: A dataset of lifestyle and life event information based on the input.

[0257] Step 2:

[0258] The device receives the information entered by the user and converts it into an appropriate data format (e.g., JSON), which prepares the data so that it can be sent to the server.

[0259] Input: A dataset of lifestyle and life event information entered

[0260] Output: Formatted data (e.g. JSON)

[0261] Step 3:

[0262] The device sends the formatted data to the server using a security protocol (e.g. HTTPS), where the data is encrypted and transmitted securely.

[0263] Input: Formatted data (e.g. JSON format)

[0264] Output: Notify the server that data has been sent

[0265] Step 4:

[0266] The server analyzes the received data and uses a generative AI model to perform calculations to generate an asset formation plan that matches the user's desired lifestyle and life events. The analysis takes into account the user's current financial situation, expected future income, expenses, etc.

[0267] Input: Received data (e.g., JSON format)

[0268] Output: Analysis results (dataset of optimal asset formation plans and advice)

[0269] Step 5:

[0270] The server generates specific advice and recommendations for the user based on the generated analysis results, including suitable insurance products, specific savings plans, investment strategies, etc. The generated advice is then converted back into an appropriate format.

[0271] Input: Analysis results (dataset of optimal asset formation plans and advice)

[0272] Output: A dataset of generated advice

[0273] Step 6:

[0274] The server then transmits the generated advice dataset to the device, again in encrypted form via a security protocol.

[0275] Input: A dataset of generated advice

[0276] Output: Notification of completion of data transmission to the terminal

[0277] Step 7:

[0278] The device visually displays the received advice to the user, who can then check it on the display of a head-mounted display (HMD) or smart glasses.

[0279] Input: Dataset of received advice

[0280] Output: Visual advice displayed to the user

[0281] Step 8:

[0282] When the user selects a suggested action (e.g., signing up for a specific insurance product or selecting an investment plan), the selection information is sent back to the server via the device, along with registration and payment information, for processing.

[0283] Input: User choices and registration information

[0284] Output: Notification of completion of sending selection information and registration information to the server

[0285] Step 9:

[0286] The server then connects with the necessary external systems (e.g., insurance companies, financial institutions) based on the received user selection information and processes the discount. If a discount is applicable, it confirms the discount and applies it, and notifies the user's device of the result.

[0287] Input: User selection and registration information

[0288] Output: Notification of completion of sending of processing results to the terminal

[0289] Through the above processing steps, the user can intuitively and efficiently input their future life plans and receive optimal advice.

[0290] 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.

[0291] This invention is a system for supporting individuals' future planning, and in particular, it combines an emotion engine that recognizes the user's emotional state and provides the optimal asset formation plan. In this system, the user inputs data about their future lifestyle and life events, and based on that, the server provides the optimal asset formation plan and insurance products, as well as advice and content that takes the user's emotional state into consideration.

[0292] Overall system configuration

[0293] The system consists of the following main components: a user terminal, a server, an emotion engine, and a user. The user inputs data using the terminal, the emotion engine recognizes the emotion at that time, and the server analyzes the data and the emotional state to generate advice, which is sent to the terminal and displayed to the user.

[0294] System Operation

[0295] 1. User Actions

[0296] Users launch the application on their device and input information about their future lifestyle and life events, including marriage, childbirth, children's tuition fees, and retirement living expenses. While the user is inputting information, the emotion engine analyzes the user's facial expressions and voice to recognize their emotional state.

[0297] 2. Sending data and emotion data

[0298] Once the user has completed entering data and clicked the submit button, the device sends the entered data and emotion data to the server, where it is packaged in a suitable format and sent via a security protocol.

[0299] 3. Analysis on the server

[0300] The server analyzes the received data and emotional data. The server takes the user's emotional state into account when generating an asset formation plan based on the user's desired lifestyle and life events. For example, if the user is feeling stressed, the server will prioritize advice and suggestions that will provide more reassurance.

[0301] 4. Generating Advice

[0302] Based on the analysis results, the server generates specific advice and suggestions for the user, such as suitable insurance products, specific savings plans, and investment strategies, taking into consideration the results of the emotion engine.

[0303] 5. Providing Advice and Content

[0304] The generated advice is sent from the server to the device, which then displays it to the user, along with content that provides stress relief and a sense of security that matches the user's emotional state.

[0305] 6. Subscription Service Registration

[0306] When a user wants to sign up for a flat-rate service, the device collects the user's registration information and sends it to the server. The server receives the information and processes the payment. During this process, the user enters the necessary information and the flat-rate payment procedure is completed.

[0307] 7. Insurance product enrollment and discounts

[0308] If the user decides to subscribe to the proposed insurance product, the device will display the details. Once the user decides to subscribe and proceeds, the device will send the information to the server. The server will then contact the insurance company and notify them of the subscription information and the 1% discount. The server will then send the processing results to the device, which will then notify the user.

[0309] Specific scenario examples

[0310] Yamada decided to use the "My Financial Plan" app to plan his future lifestyle. He launched the app, went to the lifestyle input screen, and began entering his future plans. While he was entering his plans, the emotion engine analyzed his facial expressions and voice and recognized that he was feeling somewhat stressed.

[0311] After inputting the information and clicking the "Send" button, the device sent the data and emotional data to the server. The server then analyzed the received data, took the user's stress level into account, and generated advice and suggestions to help them feel more at ease. For example, Yamada was offered an insurance product that guaranteed a stable income, as well as information on relaxation activities.

[0312] Yamada checked the displayed advice and became interested in a particular insurance product. He opened the details page and completed the application process. The device sent the application information to the server, which then contacted the insurance company to apply the discount and confirm the application. The device displayed a message that the discount had been applied, allowing Yamada to apply for insurance with peace of mind.

[0313] In this way, by working in conjunction with the emotion engine, the system of the present invention can provide support for future planning that also takes into account the user's emotional state.

[0314] The processing flow will be explained below.

[0315] Step 1:

[0316] Users launch the "My Financial Plan" app on their smartphone or computer.

[0317] Step 2:

[0318] The device will display the app's home screen and present the user with menus such as "Enter lifestyle information" and "Register for flat-rate services."

[0319] Step 3:

[0320] The user selects the "Lifestyle Input" menu and proceeds to the input screen.

[0321] Step 4:

[0322] The device displays questions to the user about their future lifestyle and life events (e.g., marriage, childbirth, tuition fees, retirement expenses, etc.).

[0323] Step 5:

[0324] The user begins to input the required information for each question, while the emotion engine simultaneously analyzes the user's facial expression and voice data in real time to recognize their emotional state.

[0325] Step 6:

[0326] The emotion engine sends the recognized emotional state to the terminal, which prepares it for transmission to the server.

[0327] Step 7:

[0328] The user completes the form and clicks the "Submit" button.

[0329] Step 8:

[0330] The device packages the lifestyle and emotional data entered by the user and transmits it to a server through a security protocol.

[0331] Step 9:

[0332] The server analyzes the received lifestyle and emotion data, taking into account not only the user's desired lifestyle and life events, but also the user's current emotional state.

[0333] Step 10:

[0334] The server generates a wealth planning plan based on the user's data, which includes suggestions that take into account the user's emotions. For example, if the user is feeling stressed, it will suggest insurance products that will give them more peace of mind.

[0335] Step 11:

[0336] The server packages the generated advice with content that corresponds to the user's emotional state (e.g., advice for reducing stress) and sends it to the terminal.

[0337] Step 12:

[0338] The terminal displays the advice and content received from the server to the user.

[0339] Step 13:

[0340] The user reviews the displayed advice and opens the details page of the insurance product that interests them.

[0341] Step 14:

[0342] The terminal displays detailed information about insurance products and assists with the enrollment process.

[0343] Step 15:

[0344] The user enters the necessary information to subscribe to the insurance product and clicks the subscribe button.

[0345] Step 16:

[0346] The device packages the user's subscription information and sends it to the server through a security protocol.

[0347] Step 17:

[0348] The server connects with the insurance company, verifies the user's membership information, and applies a 1% discount.

[0349] Step 18:

[0350] The server notifies the insurance company and sends the result to the terminal.

[0351] Step 19:

[0352] The terminal displays to the user the notification received from the server that subscription has been completed and that the discount has been applied.

[0353] Step 20:

[0354] Users can confirm that the discount has been applied and sign up for insurance with peace of mind.

[0355] Step 21:

[0356] When a user registers for a flat-rate service, the device displays a screen for entering registration information.

[0357] Step 22:

[0358] The user enters their registration information and clicks the "Register" button.

[0359] Step 23:

[0360] The terminal packages the entered registration information and transmits it to the server.

[0361] Step 24:

[0362] The server receives the registration information and processes the payment.

[0363] Step 25:

[0364] The server notifies the terminal that the payment has been completed.

[0365] Step 26:

[0366] The device will display a notification to the user that registration for the flat-rate service has been completed.

[0367] Example 2

[0368] 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."

[0369] Conventional asset formation plan provision systems provide a uniform plan without considering the user's emotional state, which makes it difficult to reduce stress and anxiety for users. In addition, the procedures for registering for flat-rate services and enrolling in insurance products are complicated, making it cumbersome for users.

[0370] 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.

[0371] In this invention, the server includes means for inputting data related to the user's lifestyle and life events, means for transmitting the input data to the server, means for recognizing the user's emotional state using an emotion engine, means for the server to analyze the received data and emotional data and generate an asset formation plan suitable for the user, means for transmitting content based on the advice and emotional state generated from the server to a terminal and displaying it to the user, means for the user to register for a flat-rate service, means for transmitting registration information to the server and performing payment processing, means for the user to subscribe to an insurance product, and means for the server to cooperate with an insurance company to apply discounts and provide notifications. This makes it possible to provide personalized advice that takes the user's emotional state into consideration and simplify the procedures for registering for a flat-rate service and subscribing to insurance products.

[0372] "Data regarding the user's lifestyle and life events" refers to information about life changes and important events that the user may face in the future, such as marriage, childbirth, children's education fees, and living expenses in retirement.

[0373] "Means for transmitting input data to a server" refers to a mechanism by which the terminal packages the information input by the user in an appropriate format and transmits it to the server via a security protocol (e.g., SSL / TLS).

[0374] An "emotion engine" is a software or hardware system that recognizes a user's emotional state in real time by analyzing the user's facial expressions and voice.

[0375] "Means for analyzing received data and emotional data and generating an asset formation plan suited to the user" refers to an analytical processing and plan generation mechanism that uses the lifestyle data and emotional data received by the server from the user to propose optimal savings plans, insurance products, investment strategies, etc.

[0376] "Means for transmitting advice generated by a server and content based on an emotional state to a terminal and displaying it to a user" refers to a mechanism for transmitting personalized advice generated by a server and relaxation content according to an emotional state to a terminal and displaying it to a user.

[0377] "Means for users to register for flat-rate services" refers to a mechanism in which a terminal accepts a request from a user to register for flat-rate services, provides a user interface for inputting necessary information, and transmits that information to a server.

[0378] "Means for transmitting registration information to a server and processing payment" refers to a system in which a terminal transmits the user's flat-rate service registration information to a server, and the server then performs the necessary payment processing.

[0379] The "means by which a user can subscribe to an insurance product" refers to a user interface that displays detailed information about the proposed insurance product to the user on the terminal and that supports the subscription process.

[0380] "Means for the server to work with the insurance company to apply discounts and notify" refers to a mechanism in which the server communicates with the insurance company's system, sends the user's subscription information, and notifies the user of the process of confirming the application of discounts to insurance products and the results.

[0381] This invention is a system that supports individuals' future planning and combines an emotion engine that recognizes the user's emotional state and provides optimal asset formation plans. The user inputs data about their future lifestyle and life events, and the server then provides optimal plans and insurance products based on that data. It also provides advice and content that takes the user's emotional state into account.

[0382] The overall system consists of the following main components: a user terminal, a server, and an emotion engine. The user inputs data using the terminal, and the emotion engine recognizes the emotion at that time. The server analyzes the data and the user's emotional state, generates advice, and sends it to the terminal for display to the user.

[0383] Hardware and software used

[0384] In terms of hardware, the device used by the user (e.g., PC, smartphone, tablet) must be equipped with a camera and microphone, which allows the emotion engine to analyze facial expressions and voice. On the server side, an AI engine and database for data analysis are required.

[0385] As for software, OpenFace or Microsoft's Azure Emotion API can be used for the emotion engine, while an AI analysis engine written in Python or R can be used for data analysis. Security protocols such as SSL / TLS are used to securely transmit and receive data between the server and the device.

[0386] Specific examples

[0387] When a user launches the "Future Planning Support System" app, the home screen appears. The user clicks the "Enter Lifestyle" button and enters information such as marriage, childbirth, children's tuition fees, and retirement living expenses. For example, a user might enter information such as "I plan to get married at age 35," "I have two children," and "I hope to spend 200,000 yen a month on retirement living expenses." During this input process, the device's built-in camera and microphone collect the user's facial expressions and voice in real time, which is analyzed by an emotion engine to recognize the user's emotional state.

[0388] After completing the input, clicking the "Send" button will cause the device to send the input data and emotional data to the server using SSL / TLS. The server then stores the received data in a database and processes it using an AI analysis engine. For example, the server not only generates an optimal asset formation plan based on the information entered by the user, but also creates advice that provides peace of mind by taking into account the user's emotional state.

[0389] The advice generated by the server is sent to the user's device and displayed. For example, specific advice such as "Based on your plan to get married at age 35, prenuptial insurance and investment planning are appropriate" may be displayed. If the system detects that the user is feeling stressed, it may also display content such as "suggestions for relaxing yoga and mindfulness."

[0390] If a user wishes to sign up for a flat-rate service, they enter the required information on the registration screen and click the "Register" button. The device then sends the information to the server, which then processes the payment. If the user wishes to sign up for the proposed insurance product, they confirm the details and complete the enrollment process. The device then sends the information to the server, which then works with the insurance company to complete the enrollment process.

[0391] Prompt Sentence Examples

[0392] "Enter information about your future lifestyle and life events. For example, marriage, childbirth, children's education expenses, retirement living expenses, etc. As you enter information, the emotion engine will analyze your facial expressions and voice to recognize your emotional state. Once you've finished entering information, click 'Submit'."

[0393] The above is a mode for carrying out the present invention, which is a system that can provide an optimal personalized asset formation plan while taking into consideration the emotional state of the user.

[0394] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0395] Step 1:

[0396] The user launches the "Future Design Support System" app and the home screen appears.

[0397] Specific operation: The user taps the application icon to launch the app. The login screen appears, so the user enters their user ID and password and clicks "Login."

[0398] Input: User ID, Password

[0399] Output: Home screen displayed after successful login

[0400] Step 2:

[0401] The user clicks the "Enter Lifestyle" button and enters data about their lifestyle and life events.

[0402] Specific operation: When the user clicks the "Enter lifestyle" button, an input screen will appear. Here, the user can enter information such as marriage, childbirth, children's tuition fees, and living expenses in retirement. For example, the user can enter data such as "Planning to get married at age 35," "Having two children," and "Desired monthly living expenses in retirement of 200,000 yen."

[0403] Input: Life event data such as marriage, childbirth, children's school fees, and retirement living expenses

[0404] Output: Data entered by the user

[0405] Step 3:

[0406] While the user is entering information, the emotion engine uses the device's camera and microphone to recognize the user's emotional state.

[0407] How it works: The camera captures the user's face, the microphone records the user's voice, and the emotion engine analyzes facial expressions and tone of voice to assess the user's emotional state.

[0408] Input: User's facial expression data, voice data

[0409] Output: Analyzed emotional state data (e.g., stress, relief, etc.)

[0410] Step 4:

[0411] The user completes the data entry and clicks the "Submit" button. The device sends the input data and emotion data to the server.

[0412] Specific operation: When the user clicks the "Send" button, the device packages the input data and emotion data in JSON format and sends it to the server using SSL / TLS.

[0413] Input: User-entered life event data, emotional state data

[0414] Output: Sending process successful message

[0415] Step 5:

[0416] The server analyzes the received data and generates optimal advice for the user.

[0417] How it works: The server stores the received data in a database, and the AI ​​analysis engine processes it. Specifically, it creates an optimal asset formation plan based on the user's input data, and also incorporates stress reduction measures based on emotional data.

[0418] Input: User's life event data, emotional state data

[0419] Output: Generated wealth planning and emotionally sensitive content

[0420] Step 6:

[0421] The generated advice and content is sent to the device and displayed to the user.

[0422] Specific operation: The server sends the generated advice and content to the device, which then displays the received information on the screen, providing specific advice such as, "Based on your plans to get married at age 35, prenuptial insurance and investment planning are appropriate."

[0423] Input: Generated wealth planning and emotionally sensitive content

[0424] Output: Advice and content displayed to the user

[0425] Step 7:

[0426] When a user registers for a flat-rate service, they enter the necessary information on the registration screen and send it to the server, which then processes the payment.

[0427] Specific operation: The user clicks the "Register for subscription service" button and enters their name, address, and payment information. After clicking the "Register" button, the terminal sends the registration information to the server, which then processes it via the payment gateway.

[0428] Input: User registration information (name, address, payment information, etc.)

[0429] Output: Registration complete message and payment complete message

[0430] Step 8:

[0431] If the user wishes to subscribe to the proposed insurance product, he / she will confirm the details and complete the subscription procedure.

[0432] Specific operation: When the user opens the details page of the insurance product and clicks the "Enroll" button, detailed information is displayed. When the user enters the required information and clicks the "Submit" button, the device sends the information to the server. The server then works with the insurance company to complete the enrollment procedure.

[0433] Input: User's insurance information

[0434] Output: Subscription completion message and discount application confirmation message

[0435] (Application example 2)

[0436] 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."

[0437] In modern society, individuals need a lot of information when planning for their future, and it is difficult to effectively utilize that information to create optimal asset formation plans. Furthermore, while more appropriate advice could be provided by taking into account the individual's emotional state, current systems do not take this into consideration. There is also a lack of ways to receive real-time support for future planning while shopping in a physical store. A system that can solve these issues is needed.

[0438] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[0439] In this invention, the server includes means for inputting data related to a user's lifestyle and life events, means for analyzing the user's emotional state, means for transmitting the input data and emotional data to the server, means for the server to analyze the received data and emotional data and generate an asset formation plan suitable for the user and advice that takes emotions into consideration, means for transmitting the advice generated from the server and content based on emotions to a terminal and displaying it to the user, means for the user to register for a flat-rate service, means for transmitting registration information to the server and performing payment processing, means for the user to subscribe to an insurance product, means for the server to cooperate with insurance providers and apply discounts and provide notifications, and means for analyzing the user's emotional state in real time using a smart device and providing appropriate information. This allows users to receive an optimal asset formation plan that takes their emotional state into consideration and receive support for planning for their future in real time.

[0440] "Lifestyle" refers to an individual's lifestyle, values, and daily behavior and activities.

[0441] "Life events" refer to important events or turning points in an individual's life, such as marriage, childbirth, education, and old age.

[0442] "Data Entry Means" refers to the means by which a user enters information about their lifestyle and life events into the system.

[0443] "Emotional state" refers to the user's current psychological or emotional state, and is analyzed from the user's facial expressions, voice, etc.

[0444] "Emotion analysis means" refers to a means for recognizing a user's emotional state by analyzing their facial expressions, voice, etc.

[0445] "Server" refers to the central computer system that analyzes data and provides advice and information to users.

[0446] An "asset formation plan" refers to a plan for how to accumulate and manage assets in order to achieve the user's future lifestyle and goals.

[0447] "Advice" refers to advice or suggestions provided based on a user's data and emotional state.

[0448] "Content" refers to information, entertainment, educational materials, etc. that match the user's emotional state.

[0449] "Flat-rate service" refers to a service that is provided to a user on an ongoing basis for a fixed fee.

[0450] "Payment processing means" refers to the means by which a user processes payments for services or products.

[0451] "Insurance provider" refers to an institution that provides insurance products to users and handles the application procedures.

[0452] "Discount Application Method" means a method for discounting the price of a service or product provided to a User under certain conditions.

[0453] "Smart devices" refer to internet-connected devices used by users, particularly those equipped with emotion analysis and display functions.

[0454] This invention is a system that aims to support future design that takes into account the user's emotional state. The system consists of the following main components: a user terminal, a server, an emotion analysis engine, and a smart device.

[0455] Users use smart devices to input information about their lifestyle and life events. The devices are equipped with a camera and microphone, which enables emotion analysis to analyze the user's facial expressions and voice. Emotion analysis is performed using software such as OpenCV and the SpeechRecognition library.

[0456] When a user enters information, the device collects the data and sends it to a server along with emotional state data. This communication is carried out via security protocols such as HTTPS. The server analyzes the received data and generates optimal asset formation plans and insurance product advice taking into account the user's emotional state. AI technology is used for the analysis, and a generative AI model is used to provide appropriate advice.

[0457] The generated advice and content that takes into account the user's emotions are sent from the server to the terminal and displayed on the smart device screen, allowing the user to receive advice tailored to their emotional state in real time.

[0458] As a concrete example, consider the case where a user wears a smart device and inputs "marriage" as a future life event. At this time, the emotion analysis engine recognizes from the user's facial expression that they are feeling stressed. Based on this information, the server proposes an asset formation plan that provides a sense of security related to marriage, and also provides content related to relaxation. Specific advice such as "ways to relax to reduce stress" is displayed on the user's screen.

[0459] The following is an example of a prompt sentence:

[0460] "Tell me about future life events"

[0461] "How are you feeling right now?"

[0462] "Are there any situations that make you feel stressed?"

[0463] This system allows users to receive advice tailored to their emotional state, allowing them to plan for the future with greater peace of mind.

[0464] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0465] Step 1:

[0466] A user launches the application using a smart device and inputs information about future lifestyles and life events using voice or touch input, including information about marriage, childbirth, and retirement living expenses.

[0467] Input: Information about the user's life events

[0468] Data processing: Converting voice input into text data using voice recognition technology

[0469] Output: Life event information in text format

[0470] Step 2:

[0471] The emotion analysis engine analyzes the user's emotional state in real time by capturing facial expressions with the camera and collecting audio with the microphone, and then using emotion analysis software (OpenCV, SpeechRecognition) to recognize the user's emotional state.

[0472] Input: User facial expression and audio data

[0473] Data processing: Identifying emotional states through facial expression and voice analysis

[0474] Output: Emotional state data (e.g., stress, relief, etc.)

[0475] Step 3:

[0476] The device sends the entered life event information and emotional state data to the server, where the data is packaged and sent using a security protocol such as HTTPS.

[0477] Input: Life event information and emotional state data in text format

[0478] Data processing: data packaging and encryption

[0479] Output: Data sent to the server

[0480] Step 4:

[0481] The server analyzes the received life event information and emotional state data, and generates the optimal asset formation plan for the user, as well as advice and content that takes emotions into consideration. This analysis is performed using a generative AI model.

[0482] Input: Life event information and emotional state data sent to the server

[0483] Data processing: Data analysis and advice generation using generative AI models

[0484] Output: Wealth planning and advice, content

[0485] Step 5:

[0486] The server sends the generated advice and content to the terminal and displays it on the user's smart device.

[0487] Input: Server-generated advice and content

[0488] Data processing: Packaging and sending data

[0489] Output: Display data to smart device

[0490] Step 6:

[0491] When a user registers for a flat-rate service, the device collects registration information and sends it to the server, which processes the payment based on that information and notifies the user of the results.

[0492] Input: User registration information

[0493] Data processing: Payment processing and result notification

[0494] Output: Notification of payment result

[0495] Step 7:

[0496] If the user is interested in signing up for an insurance product, the device displays the details and proceeds with the application. The server then contacts the insurance provider to apply for discounts and notify the user of the application.

[0497] Input: User subscription information

[0498] Data processing: Insurance provider notification and discount application

[0499] Output: Notification of enrollment results

[0500] 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.

[0501] 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.

[0502] 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.

[0503] [Second embodiment]

[0504] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0505] 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.

[0506] 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).

[0507] 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.

[0508] 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.

[0509] 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).

[0510] 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.

[0511] 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.

[0512] 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.

[0513] 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.

[0514] 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.

[0515] 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."

[0516] The present invention is a system for supporting individuals' future planning. This system allows users to input data about their future lifestyles and life events, and provides optimal asset formation plans and insurance products based on that data. Specific embodiments of the present invention are described below.

[0517] Overall system configuration

[0518] The system consists of three main components: the user terminal, the server, and the user. The user inputs data using the terminal, and the server analyzes the data to generate advice, which is then sent to the terminal and displayed to the user.

[0519] System Operation

[0520] 1. User Actions

[0521] Users launch the application on their devices and enter information about their future lifestyle and life events. Entry items include marriage, childbirth, children's education fees, and retirement living expenses. These items are displayed on an entry screen, and users enter information for each item.

[0522] 2. Data transmission

[0523] Once the user has completed their entry and clicked the submit button, the device sends the entered data to the server, where it is packaged in the appropriate format and sent via a security protocol.

[0524] 3. Analysis on the server

[0525] The server analyzes the received data and generates an asset formation plan based on the user's desired lifestyle and life events, taking into account the user's current financial situation, expected future income, expenses, etc.

[0526] 4. Generating Advice

[0527] Based on the analysis results, the server generates specific advice and suggestions for the user, such as suitable insurance products, specific savings plans, and investment strategies.

[0528] 5. Providing advice

[0529] The generated advice is sent from the server to the device, where it is displayed. The user can review this advice and use it as a basis for considering specific actions.

[0530] 6. Subscription Service Registration

[0531] When a user wants to sign up for a flat-rate service, the device collects the user's registration information and sends it to the server. The server receives the information and processes the payment. During this process, the user enters the necessary information and the flat-rate payment procedure is completed.

[0532] 7. Insurance product enrollment and discounts

[0533] If the user decides to subscribe to the proposed insurance product, the device will display the details. Once the user decides to subscribe and proceeds, the device will send the information to the server. The server will then contact the insurance company and notify them of the subscription information and the 1% discount. The server will then send the processing results to the device, which will then notify the user.

[0534] Specific scenario examples

[0535] Tanaka decided to use the "My Financial Plan" app to plan his future lifestyle. He launched the app and proceeded to the lifestyle input screen. There, he entered information such as "planned marriage," "education expenses for two children," "retirement at age 60," and "living expenses in retirement." When he was finished entering information, he clicked the "Submit" button.

[0536] The device sent this data to the server, which then received it and began analyzing it. After a few seconds, the server created an optimal asset formation plan for Mr. Tanaka and sent specific advice to the device, including "specific insurance products for education expenses," "the amount of savings needed for retirement," and "the optimal investment plan at this stage."

[0537] Tanaka checked the displayed advice and became interested in the insurance product for education expenses. He opened the details page and completed the enrollment procedure. The device sent the enrollment information to the server, and the server linked with the insurance company to apply the discount and confirm the enrollment. The device displayed that the discount had been applied, so Tanaka enrolled in the insurance with peace of mind.

[0538] In this way, the system of the present invention provides specific and effective help to resolve the future anxieties that users face.

[0539] The processing flow will be explained below.

[0540] Step 1:

[0541] Users launch the "My Financial Plan" app on their smartphone or computer.

[0542] Step 2:

[0543] The device will display the app's home screen and present the user with menus such as "Enter lifestyle information" and "Register for flat-rate services."

[0544] Step 3:

[0545] The user selects the "Lifestyle Input" menu and proceeds to the input screen.

[0546] Step 4:

[0547] The device displays questions to the user about their future lifestyle and life events (e.g., marriage, childbirth, tuition fees, retirement expenses, etc.).

[0548] Step 5:

[0549] The user enters the required information for each question and clicks the "Submit" button.

[0550] Step 6:

[0551] The terminal packages the data entered by the user and sends it to the server through a security protocol.

[0552] Step 7:

[0553] The server analyzes the received data and generates an asset formation plan based on the user's desired lifestyle and life events.

[0554] Step 8:

[0555] The server creates specific advice (e.g., suitable insurance products, savings plans, investment strategies, etc.) from the generated asset formation plan.

[0556] Step 9:

[0557] The server packages the generated advice and sends it to the terminal.

[0558] Step 10:

[0559] The terminal displays the advice received from the server to the user.

[0560] Step 11:

[0561] The user reviews the displayed advice and opens the details page of the insurance product that interests them.

[0562] Step 12:

[0563] The terminal displays detailed information about insurance products and assists with the enrollment process.

[0564] Step 13:

[0565] The user enters the necessary information to subscribe to the insurance product and clicks the subscribe button.

[0566] Step 14:

[0567] The device packages the user's subscription information and sends it to the server through a security protocol.

[0568] Step 15:

[0569] The server connects with the insurance company, verifies the user's membership information, and applies a 1% discount.

[0570] Step 16:

[0571] The server notifies the insurance company and sends the result to the terminal.

[0572] Step 17:

[0573] The terminal displays to the user the notification received from the server that subscription has been completed and that the discount has been applied.

[0574] Step 18:

[0575] Users can confirm that the discount has been applied and sign up for insurance with peace of mind.

[0576] Step 19:

[0577] When a user registers for a flat-rate service, the device displays a screen for entering registration information.

[0578] Step 20:

[0579] The user enters their registration information and clicks the "Register" button.

[0580] Step 21:

[0581] The terminal packages the entered registration information and transmits it to the server.

[0582] Step 22:

[0583] The server receives the registration information and processes the payment.

[0584] Step 23:

[0585] The server notifies the terminal that the payment has been completed.

[0586] Step 24:

[0587] The device will display a notification to the user that registration for the flat-rate service has been completed.

[0588] Example 1

[0589] 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."

[0590] In today's society, choosing an asset formation plan or insurance product that suits each individual's life events and lifestyle is a difficult task. Because users are particularly prone to anxiety about their future lifestyles, a system that can provide appropriate advice effectively and efficiently is needed. There is also a need for a method that allows users to easily sign up for flat-rate services and smoothly apply the associated discounts.

[0591] 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.

[0592] In this invention, the server includes means for inputting data regarding the user's lifestyle and future events, means for transmitting the input data to a central processing unit, means for the central processing unit to analyze the received data and generate an asset formation plan suitable for the user, means for transmitting the advice generated by the central processing unit to a terminal and displaying it to the user, means for the user to register for a flat-rate service, means for transmitting registration information to the central processing unit and performing payment processing, means for the user to subscribe to an insurance product, and means for the central processing unit to cooperate with insurance providers to apply discounts and provide notifications. This allows users to eliminate anxiety about their future life planning, efficiently select an appropriate asset formation plan or insurance product, easily register for the flat-rate service, and enjoy the benefits thereof.

[0593] "User" refers to an individual who uses the system, inputs information about future lifestyles and life events, and receives appropriate advice.

[0594] "Lifestyle" is a concept that encompasses a user's lifestyle, habits, living environment, future plans, etc.

[0595] "Future events" are life events that users predict will occur in the future, including marriage, childbirth, children's further education, retirement, and living expenses in old age.

[0596] "Data" refers to a collection of information entered by users about their lifestyle and future events.

[0597] "Central Processing Unit" refers to the Zentrale computer or server that analyzes data, generates wealth plans, and coordinates with insurance providers in the system.

[0598] "Server" refers to a computer system that receives and analyzes user input data, generates advice, transmits the advice to a terminal, and cooperates with insurance providers.

[0599] An "asset formation plan" is an optimal asset formation plan, investment strategy, and savings plan generated by the server based on the user's lifestyle and future events.

[0600] "Advice" refers to advice or suggestions provided to users by the server based on the analysis results, including specific insurance products, specific savings plans, investment strategies, etc.

[0601] "Terminal" refers to a device operated by a user to access the system and input / receive information, including smartphones, tablets, and PCs.

[0602] "Flat-fee service" refers to a continuous service provided in exchange for a fixed fee paid by the user.

[0603] "Payment processing" refers to the payment processing carried out when a user registers for a flat-rate service.

[0604] "Insurance Product" refers to an insurance contract offered to provide risk hedging or compensation for a User's life events.

[0605] "Insurance provider" refers to a company or organization that offers insurance products, including insurance companies.

[0606] "Integration" refers to the system exchanging and processing data with insurance providers.

[0607] The present invention is a system designed to support individuals' future planning. This system allows users to input data about their future lifestyles and life events, and provides optimal asset formation plans and insurance products based on that data. Specific embodiments for implementing the present invention are described below.

[0608] Overall system configuration

[0609] The system consists of three main components: the user terminal, the server, and the user. The user uses the terminal to input data, and the server analyzes the data to generate advice, which is then sent to the terminal and displayed to the user.

[0610] Hardware and software used

[0611] User devices: smartphones, tablets, computers, etc.

[0612] Server: Cloud service (e.g., Amazon Web Services, Microsoft Azure, etc.)

[0613] Software: User interface application, server-side data analysis program (e.g. Python, Java, etc.), security protocol (SSL / TLS)

[0614] System Operation

[0615] 1. User Actions

[0616] Users launch the application on their devices and enter information about their future lifestyle and life events. Entry items include marriage, childbirth, children's education fees, and retirement living expenses. These items are displayed on an entry screen, and users enter information for each item.

[0617] 2. Data transmission

[0618] When the user completes the input and clicks the submit button, the terminal packages the input data in the appropriate format and sends it to the server via a security protocol (SSL / TLS).

[0619] 3. Analysis on the server

[0620] The server analyzes the received data and generates a wealth formation plan based on the user's desired lifestyle and life events. This analysis takes into account the user's current financial situation, expected future income, expenses, etc. A generative AI model is used for the analysis.

[0621] 4. Generating Advice

[0622] Based on the analysis results, the server generates specific advice and suggestions for the user, such as suitable insurance products, specific savings plans, and investment strategies, using a generative AI model.

[0623] 5. Providing advice

[0624] The generated advice is sent from the server to the device, where it is displayed. The user can review this advice and use it as a basis for considering specific actions.

[0625] 6. Subscription Service Registration

[0626] When a user wants to sign up for a flat-rate service, they enter the necessary information into a dedicated input form. The device sends this registration information to the server, which then processes the payment. The user then enters their payment method, such as credit card information.

[0627] 7. Insurance product enrollment and discounts

[0628] If the user is interested in the proposed insurance product and wishes to apply for it, the device will display the details. The user enters the necessary information into the application form and clicks the submit button. The device then sends this information to the server, which then works with the insurance provider to apply the discount and confirm the application. The results of the discount application are sent to the device and the user is notified.

[0629] Example: User Case

[0630] A user decides to use a "Financial Planning" app to plan their future lifestyle. The user launches the app, goes to the lifestyle input screen, and enters information such as "plans for marriage," "education expenses for two children," "retirement at age 60," and "living expenses in old age." When the user has finished entering information, they click the "Submit" button.

[0631] The device then sent this data to the server, which then began analyzing it. After a few seconds, the server generated an optimal asset formation plan for the user and sent specific advice to the device, including specific insurance products for education expenses, the amount of savings needed for retirement, and the optimal investment plan for the current stage.

[0632] The user checked the displayed advice and became interested in an insurance product for education expenses. He opened the details page and completed the enrollment procedure. The device sent the enrollment information to the server, and the server worked with the insurance provider to apply the discount and confirm the enrollment. The device displayed that the discount had been applied, allowing the user to enroll in the insurance with peace of mind.

[0633] Prompt Sentence Examples

[0634] Here are some example prompts to input to the generative AI model:

[0635] I would like to build a system that provides optimal asset formation plans and insurance products based on the data entered by users. Please tell me the specific processing steps for this system.

[0636] As described above, the system of the present invention relieves users of their anxieties about their future life planning and provides support for efficiently selecting appropriate asset formation plans and insurance products.

[0637] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0638] Step 1:

[0639] The user launches the "Financial Planning" app on their device and enters their ID and password on the login screen.

[0640] Input: User ID and password

[0641] Output: User authentication result

[0642] Specific operation: The terminal sends the ID and password entered by the user to the server, which then compares them with the database for authentication. If authentication is successful, the terminal displays the main menu screen.

[0643] Step 2:

[0644] Users go to the lifestyle input screen from the main menu and enter information about their future lifestyle and life events.

[0645] Input: Information about the user's lifestyle and life events (e.g., marriage plans, children's education expenses, retirement, and post-retirement living expenses)

[0646] Output: Lifestyle information data entered by the user

[0647] Specific operation: The device temporarily stores the information entered by the user for each input field. When the input is complete, the user clicks the "Submit" button.

[0648] Step 3:

[0649] When the user clicks the "Submit" button, the terminal packages the entered data in an appropriate format (e.g., JSON format) and sends it to the server via a security protocol (SSL / TLS).

[0650] Input: Formatted lifestyle information data

[0651] Output: Data sent to the server

[0652] How it works: The device encrypts the data and sends it over the internet to a server, which receives it, decrypts it, and stores it in a database.

[0653] Step 4:

[0654] The server takes in the received data and stores it in a database. It then runs an analysis program to analyze the received data.

[0655] Input: User's lifestyle information data

[0656] Output: Analyzed data, user's financial situation assessment

[0657] Specific operation: The server analyzes the stored data, taking into account the user's current financial situation, expected future income, expenses, etc. It uses an analysis algorithm written in Python, Java, etc.

[0658] Step 5:

[0659] The server uses a generative AI model to generate an optimal asset formation plan based on the analysis results, and also creates specific advice and proposals.

[0660] Input: Parsed data, generative AI model

[0661] Output: Wealth building plan, specific advice and suggestions

[0662] What it does: The generative AI model generates advice and recommendations for the user (e.g. suitable insurance products, savings plans, investment strategies, etc.), formats them, and saves them.

[0663] Step 6:

[0664] The server sends the generated advice to the device, which receives it and displays it to the user.

[0665] Input: Wealth formation plan, specific advice and suggestions

[0666] Output: Advice displayed to the user

[0667] Specific operation: The server sends advice to the device, which receives it and displays it in a format that is easy for the user to understand.

[0668] Step 7:

[0669] When a user wants to register for a flat-rate service, they enter the necessary information into a dedicated input form. The device then sends the registration information to the server, which then processes the payment.

[0670] Input: Subscription service registration information, payment information (credit card, etc.)

[0671] Output: Notification of subscription completion, notification of payment completion

[0672] Specific operation: The terminal receives the user's registration information and payment information and sends them to the server. The server processes the payment through the payment gateway and notifies the terminal of the result.

[0673] Step 8:

[0674] If the user chooses to subscribe to the proposed insurance product, the device will display the details and prompt the user to enter the necessary information. Once the user completes the subscription process, the device will send it to the server, which will then work with the insurance provider to apply the discount and confirm the subscription.

[0675] Input: Insurance product information

[0676] Output: Notification of insurance product enrollment completion, notification of discount application

[0677] Specific operation: The terminal sends the insurance product information entered by the user to the server. The server then forwards the information to the insurance provider and checks whether the discount is applied. The result is sent to the terminal and notified to the user.

[0678] (Application example 1)

[0679] 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."

[0680] Today's busy lives make it difficult for users to find asset formation plans and financial products that suit their future lifestyles and life events. Furthermore, there are limited tools available to make this process easy and efficient. Furthermore, there is a lack of systems that allow users to input necessary information and obtain advice in an intuitive manner, independent of specific devices or applications. In particular, while systems that utilize smart devices and wearable devices have many possibilities, the lack of solutions that effectively utilize them is a major challenge.

[0681] 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.

[0682] In this invention, the server includes: means for inputting data related to the user's lifestyle and life events; means for transmitting the input data to the server; means for the server to analyze the received data and generate an asset formation plan suitable for the user using a generative AI model; means for transmitting the generated advice to a display device and visually displaying it to the user; means for the user to register for a flat-rate service; means for transmitting registration information to the server and performing payment processing; means for the user to subscribe to financial products; means for the server to link with an external system and apply discounts and provide notifications; means for the user to input data by voice input or gesture input using a smart wearable device; and means for providing the generated advice visually on a head-mounted display, thereby enabling the user to intuitively and efficiently input their future life plan and receive appropriate advice.

[0683] "Users" are individuals who use this system to input information about their future lifestyles and life events and receive an appropriate asset formation plan.

[0684] "Lifestyle" refers to the user's lifestyle and important events throughout their life, such as marriage, childbirth, children's education fees, and living expenses in retirement.

[0685] "Life events" are important events in a user's life, such as marriage, childbirth, children's education, and retirement.

[0686] "Data" means information related to a user's lifestyle and life events, and materials necessary to generate an asset formation plan.

[0687] "Input means" refers to a device or method that allows a user to input information, including the use of smart devices and wearable devices.

[0688] A "server" is a computer system that receives and analyzes data sent by users and generates appropriate asset formation plans and advice.

[0689] "Means for analysis" refers to the method by which the server uses the received data to generate an asset formation plan suitable for the user, including a generating AI model and other analytical algorithms.

[0690] The "means for generating" is a method by which the server generates an asset formation plan and advice based on the analysis results.

[0691] The "display means" refers to a device or method for visually displaying the advice sent from the server to the user, and includes a head-mounted display, smart glasses, etc.

[0692] "Flat-fee service" refers to a service that users use by paying a fixed fee, and in this system means a service that includes the provision of asset formation plans and related advice.

[0693] "Payment processing means" means a method for processing payments when a user registers for a service, including technology that ensures secure and efficient payments.

[0694] "Financial products" are products that users use for asset formation and insurance, and in this system refer to the optimal insurance products and savings plans.

[0695] The "means of collaboration, discount application and notification" refers to the method by which the server communicates with external financial institutions and insurance companies, confirms the application of discounts, and notifies the user.

[0696] A "smart wearable device" is a device worn by the user that allows information to be input through voice or gesture input.

[0697] A "head-mounted display" is a device that a user wears on their head to display visual information, and is used to display advice from the server.

[0698] The present invention is a system that allows users to input information about their future lifestyles and life events, and provides optimal asset formation plans and financial products based on this information. The implementation of this system involves the following major components and operations:

[0699] Overall system configuration

[0700] The system consists of three main components: the user's device (including smart wearable devices), a server, and an external system. The user enters information using the device and sends it to the server. The server analyzes the data, generates an optimal asset formation plan and advice, and sends it to the user's device. The server also interacts with external systems as needed to handle processes such as applying discounts to financial products.

[0701] System Operation

[0702] 1. User Actions

[0703] Users put on smart wearable devices (e.g., smart glasses) and input information about their lifestyle and life events using voice or gesture input. Input content includes marriage plans, children's education expenses, retirement plans, and retirement living expenses. This operation is intuitive, allowing users to input data easily.

[0704] 2. Data transmission

[0705] Once the user has completed the input, the device converts the input data into the appropriate format and sends it to the server, which includes packaging the data and sending it through security protocols.

[0706] 3. Analysis on the server

[0707] The server analyzes the received data and generates a wealth formation plan based on the user's lifestyle and life events. This analysis uses a machine learning model (generative AI model), which takes into account the user's current financial situation, expected future income, expenses, etc.

[0708] 4. Generating Advice

[0709] Based on the analysis results, the server generates specific advice and recommendations for the user, such as suitable insurance products, specific savings plans, investment strategies, etc. The generated advice is sent to the user's device.

[0710] 5. Providing advice

[0711] The generated advice is displayed on the user's head-mounted display (HMD) or smart glasses, allowing the user to review the advice and choose their next course of action.

[0712] Hardware and software used

[0713] Smart wearable devices: Devices that allow for voice and gesture input (e.g., smart glasses).

[0714] Server: A computer system (e.g., AWS, Google Cloud) that analyzes data and generates advice.

[0715] Generative AI model: Uses machine learning algorithms to analyze data and generate the best plan for the user.

[0716] Head-mounted display (HMD): A device for visually presenting generated advice to the user.

[0717] Examples of concrete examples and prompts

[0718] As a concrete example, consider a scenario in which a user puts on smart glasses and voice-inputs information such as "I plan to get married in 2024, my education expenses for my two children will be 5 million yen, I plan to retire at 60, and my living expenses after retirement will be 20 million yen." The smart glasses collect this information and send it to the server, and after a few seconds, the optimal insurance product, savings plan, and investment strategy will be displayed on the screen.

[0719] An example prompt is:

[0720] Enter information about your future life events, including your planned marriage, your children's education expenses, retirement plans, and retirement living expenses.

[0721] example:

[0722] Planned marriage date: 2024

[0723] Educational expenses for two children: 5 million yen

[0724] Planned retirement age: 60

[0725] Living expenses in retirement: 20 million yen

[0726] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0727] Step 1:

[0728] Users wear smart wearable devices (e.g., smart glasses) and input information about their lifestyle and life events using voice or gesture input, such as marriage plans, children's education expenses, retirement plans, and retirement living expenses.

[0729] Input: User-initiated voice or gesture input

[0730] Output: A dataset of lifestyle and life event information based on the input.

[0731] Step 2:

[0732] The device receives the information entered by the user and converts it into an appropriate data format (e.g., JSON), which prepares the data so that it can be sent to the server.

[0733] Input: A dataset of lifestyle and life event information entered

[0734] Output: Formatted data (e.g. JSON)

[0735] Step 3:

[0736] The device sends the formatted data to the server using a security protocol (e.g. HTTPS), where the data is encrypted and transmitted securely.

[0737] Input: Formatted data (e.g. JSON format)

[0738] Output: Notify the server that data has been sent

[0739] Step 4:

[0740] The server analyzes the received data and uses a generative AI model to perform calculations to generate an asset formation plan that matches the user's desired lifestyle and life events. The analysis takes into account the user's current financial situation, expected future income, expenses, etc.

[0741] Input: Received data (e.g., JSON format)

[0742] Output: Analysis results (dataset of optimal asset formation plans and advice)

[0743] Step 5:

[0744] The server generates specific advice and recommendations for the user based on the generated analysis results, including suitable insurance products, specific savings plans, investment strategies, etc. The generated advice is then converted back into an appropriate format.

[0745] Input: Analysis results (dataset of optimal asset formation plans and advice)

[0746] Output: A dataset of generated advice

[0747] Step 6:

[0748] The server then transmits the generated advice dataset to the device, again in encrypted form via a security protocol.

[0749] Input: A dataset of generated advice

[0750] Output: Notification of completion of data transmission to the terminal

[0751] Step 7:

[0752] The device visually displays the received advice to the user, who can then check it on the display of a head-mounted display (HMD) or smart glasses.

[0753] Input: Dataset of received advice

[0754] Output: Visual advice displayed to the user

[0755] Step 8:

[0756] When the user selects a suggested action (e.g., signing up for a specific insurance product or selecting an investment plan), the selection information is sent back to the server via the device, along with registration and payment information, for processing.

[0757] Input: User choices and registration information

[0758] Output: Notification of completion of sending selection information and registration information to the server

[0759] Step 9:

[0760] The server then connects with the necessary external systems (e.g., insurance companies, financial institutions) based on the received user selection information and processes the discount. If a discount is applicable, it confirms the discount and applies it, and notifies the user's device of the result.

[0761] Input: User selection and registration information

[0762] Output: Notification of completion of sending of processing results to the terminal

[0763] Through the above processing steps, the user can intuitively and efficiently input their future life plans and receive optimal advice.

[0764] 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.

[0765] This invention is a system for supporting individuals' future planning, and in particular, it combines an emotion engine that recognizes the user's emotional state and provides the optimal asset formation plan. In this system, the user inputs data about their future lifestyle and life events, and based on that, the server provides the optimal asset formation plan and insurance products, as well as advice and content that takes the user's emotional state into consideration.

[0766] Overall system configuration

[0767] The system consists of the following main components: a user terminal, a server, an emotion engine, and a user. The user inputs data using the terminal, the emotion engine recognizes the emotion at that time, and the server analyzes the data and the emotional state to generate advice, which is sent to the terminal and displayed to the user.

[0768] System Operation

[0769] 1. User Actions

[0770] Users launch the application on their device and input information about their future lifestyle and life events, including marriage, childbirth, children's tuition fees, and retirement living expenses. While the user is inputting information, the emotion engine analyzes the user's facial expressions and voice to recognize their emotional state.

[0771] 2. Sending data and emotion data

[0772] Once the user has completed entering data and clicked the submit button, the device sends the entered data and emotion data to the server, where it is packaged in a suitable format and sent via a security protocol.

[0773] 3. Analysis on the server

[0774] The server analyzes the received data and emotional data. The server takes the user's emotional state into account when generating an asset formation plan based on the user's desired lifestyle and life events. For example, if the user is feeling stressed, the server will prioritize advice and suggestions that will provide more reassurance.

[0775] 4. Generating Advice

[0776] Based on the analysis results, the server generates specific advice and suggestions for the user, such as suitable insurance products, specific savings plans, and investment strategies, taking into consideration the results of the emotion engine.

[0777] 5. Providing Advice and Content

[0778] The generated advice is sent from the server to the device, which then displays it to the user, along with content that provides stress relief and a sense of security that matches the user's emotional state.

[0779] 6. Subscription Service Registration

[0780] When a user wants to sign up for a flat-rate service, the device collects the user's registration information and sends it to the server. The server receives the information and processes the payment. During this process, the user enters the necessary information and the flat-rate payment procedure is completed.

[0781] 7. Insurance product enrollment and discounts

[0782] If the user decides to subscribe to the proposed insurance product, the device will display the details. Once the user decides to subscribe and proceeds, the device will send the information to the server. The server will then contact the insurance company and notify them of the subscription information and the 1% discount. The server will then send the processing results to the device, which will then notify the user.

[0783] Specific scenario examples

[0784] Yamada decided to use the "My Financial Plan" app to plan his future lifestyle. He launched the app, went to the lifestyle input screen, and began entering his future plans. While he was entering his plans, the emotion engine analyzed his facial expressions and voice and recognized that he was feeling somewhat stressed.

[0785] After inputting the information and clicking the "Send" button, the device sent the data and emotional data to the server. The server then analyzed the received data, took the user's stress level into account, and generated advice and suggestions to help them feel more at ease. For example, Yamada was offered an insurance product that guaranteed a stable income, as well as information on relaxation activities.

[0786] Yamada checked the displayed advice and became interested in a particular insurance product. He opened the details page and completed the application process. The device sent the application information to the server, which then contacted the insurance company to apply the discount and confirm the application. The device displayed a message that the discount had been applied, allowing Yamada to apply for insurance with peace of mind.

[0787] In this way, by working in conjunction with the emotion engine, the system of the present invention can provide support for future planning that also takes into account the user's emotional state.

[0788] The processing flow will be explained below.

[0789] Step 1:

[0790] Users launch the "My Financial Plan" app on their smartphone or computer.

[0791] Step 2:

[0792] The device will display the app's home screen and present the user with menus such as "Enter lifestyle information" and "Register for flat-rate services."

[0793] Step 3:

[0794] The user selects the "Lifestyle Input" menu and proceeds to the input screen.

[0795] Step 4:

[0796] The device displays questions to the user about their future lifestyle and life events (e.g., marriage, childbirth, tuition fees, retirement expenses, etc.).

[0797] Step 5:

[0798] The user begins to input the required information for each question, while the emotion engine simultaneously analyzes the user's facial expression and voice data in real time to recognize their emotional state.

[0799] Step 6:

[0800] The emotion engine sends the recognized emotional state to the terminal, which prepares it for transmission to the server.

[0801] Step 7:

[0802] The user completes the form and clicks the "Submit" button.

[0803] Step 8:

[0804] The device packages the lifestyle and emotional data entered by the user and transmits it to a server through a security protocol.

[0805] Step 9:

[0806] The server analyzes the received lifestyle and emotion data, taking into account not only the user's desired lifestyle and life events, but also the user's current emotional state.

[0807] Step 10:

[0808] The server generates a wealth planning plan based on the user's data, which includes suggestions that take into account the user's emotions. For example, if the user is feeling stressed, it will suggest insurance products that will give them more peace of mind.

[0809] Step 11:

[0810] The server packages the generated advice with content that corresponds to the user's emotional state (e.g., advice for reducing stress) and sends it to the terminal.

[0811] Step 12:

[0812] The terminal displays the advice and content received from the server to the user.

[0813] Step 13:

[0814] The user reviews the displayed advice and opens the details page of the insurance product that interests them.

[0815] Step 14:

[0816] The terminal displays detailed information about insurance products and assists with the enrollment process.

[0817] Step 15:

[0818] The user enters the necessary information to subscribe to the insurance product and clicks the subscribe button.

[0819] Step 16:

[0820] The device packages the user's subscription information and sends it to the server through a security protocol.

[0821] Step 17:

[0822] The server connects with the insurance company, verifies the user's membership information, and applies a 1% discount.

[0823] Step 18:

[0824] The server notifies the insurance company and sends the result to the terminal.

[0825] Step 19:

[0826] The terminal displays to the user the notification received from the server that subscription has been completed and that the discount has been applied.

[0827] Step 20:

[0828] Users can confirm that the discount has been applied and sign up for insurance with peace of mind.

[0829] Step 21:

[0830] When a user registers for a flat-rate service, the device displays a screen for entering registration information.

[0831] Step 22:

[0832] The user enters their registration information and clicks the "Register" button.

[0833] Step 23:

[0834] The terminal packages the entered registration information and transmits it to the server.

[0835] Step 24:

[0836] The server receives the registration information and processes the payment.

[0837] Step 25:

[0838] The server notifies the terminal that the payment has been completed.

[0839] Step 26:

[0840] The device will display a notification to the user that registration for the flat-rate service has been completed.

[0841] Example 2

[0842] 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."

[0843] Conventional asset formation plan provision systems provide a uniform plan without considering the user's emotional state, which makes it difficult to reduce stress and anxiety for users. In addition, the procedures for registering for flat-rate services and enrolling in insurance products are complicated, making it cumbersome for users.

[0844] 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.

[0845] In this invention, the server includes means for inputting data related to the user's lifestyle and life events, means for transmitting the input data to the server, means for recognizing the user's emotional state using an emotion engine, means for the server to analyze the received data and emotional data and generate an asset formation plan suitable for the user, means for transmitting content based on the advice and emotional state generated from the server to a terminal and displaying it to the user, means for the user to register for a flat-rate service, means for transmitting registration information to the server and performing payment processing, means for the user to subscribe to an insurance product, and means for the server to cooperate with an insurance company to apply discounts and provide notifications. This makes it possible to provide personalized advice that takes the user's emotional state into consideration and simplify the procedures for registering for a flat-rate service and subscribing to insurance products.

[0846] "Data regarding the user's lifestyle and life events" refers to information about life changes and important events that the user may face in the future, such as marriage, childbirth, children's education fees, and living expenses in retirement.

[0847] "Means for transmitting input data to a server" refers to a mechanism by which the terminal packages the information input by the user in an appropriate format and transmits it to the server via a security protocol (e.g., SSL / TLS).

[0848] An "emotion engine" is a software or hardware system that recognizes a user's emotional state in real time by analyzing the user's facial expressions and voice.

[0849] "Means for analyzing received data and emotional data and generating an asset formation plan suited to the user" refers to an analytical processing and plan generation mechanism that uses the lifestyle data and emotional data received by the server from the user to propose optimal savings plans, insurance products, investment strategies, etc.

[0850] "Means for transmitting advice generated by a server and content based on an emotional state to a terminal and displaying it to a user" refers to a mechanism for transmitting personalized advice generated by a server and relaxation content according to an emotional state to a terminal and displaying it to a user.

[0851] "Means for users to register for flat-rate services" refers to a mechanism in which a terminal accepts a request from a user to register for flat-rate services, provides a user interface for inputting necessary information, and transmits that information to a server.

[0852] "Means for transmitting registration information to a server and processing payment" refers to a system in which a terminal transmits the user's flat-rate service registration information to a server, and the server then performs the necessary payment processing.

[0853] The "means by which a user can subscribe to an insurance product" refers to a user interface that displays detailed information about the proposed insurance product to the user on the terminal and that supports the subscription process.

[0854] "Means for the server to work with the insurance company to apply discounts and notify" refers to a mechanism in which the server communicates with the insurance company's system, sends the user's subscription information, and notifies the user of the process of confirming the application of discounts to insurance products and the results.

[0855] This invention is a system that supports individuals' future planning and combines an emotion engine that recognizes the user's emotional state and provides optimal asset formation plans. The user inputs data about their future lifestyle and life events, and the server then provides optimal plans and insurance products based on that data. It also provides advice and content that takes the user's emotional state into account.

[0856] The overall system consists of the following main components: a user terminal, a server, and an emotion engine. The user inputs data using the terminal, and the emotion engine recognizes the emotion at that time. The server analyzes the data and the user's emotional state, generates advice, and sends it to the terminal for display to the user.

[0857] Hardware and software used

[0858] In terms of hardware, the device used by the user (e.g., PC, smartphone, tablet) must be equipped with a camera and microphone, which allows the emotion engine to analyze facial expressions and voice. On the server side, an AI engine and database for data analysis are required.

[0859] As for software, OpenFace or Microsoft's Azure Emotion API can be used for the emotion engine, while an AI analysis engine written in Python or R can be used for data analysis. Security protocols such as SSL / TLS are used to securely transmit and receive data between the server and the device.

[0860] Specific examples

[0861] When a user launches the "Future Planning Support System" app, the home screen appears. The user clicks the "Enter Lifestyle" button and enters information such as marriage, childbirth, children's tuition fees, and retirement living expenses. For example, a user might enter information such as "I plan to get married at age 35," "I have two children," and "I hope to spend 200,000 yen a month on retirement living expenses." During this input process, the device's built-in camera and microphone collect the user's facial expressions and voice in real time, which is analyzed by an emotion engine to recognize the user's emotional state.

[0862] After completing the input, clicking the "Send" button will cause the device to send the input data and emotional data to the server using SSL / TLS. The server then stores the received data in a database and processes it using an AI analysis engine. For example, the server not only generates an optimal asset formation plan based on the information entered by the user, but also creates advice that provides peace of mind by taking into account the user's emotional state.

[0863] The advice generated by the server is sent to the user's device and displayed. For example, specific advice such as "Based on your plan to get married at age 35, prenuptial insurance and investment planning are appropriate" may be displayed. If the system detects that the user is feeling stressed, it may also display content such as "suggestions for relaxing yoga and mindfulness."

[0864] If a user wishes to sign up for a flat-rate service, they enter the required information on the registration screen and click the "Register" button. The device then sends the information to the server, which then processes the payment. If the user wishes to sign up for the proposed insurance product, they confirm the details and complete the enrollment process. The device then sends the information to the server, which then works with the insurance company to complete the enrollment process.

[0865] Prompt Sentence Examples

[0866] "Enter information about your future lifestyle and life events. For example, marriage, childbirth, children's education expenses, retirement living expenses, etc. As you enter information, the emotion engine will analyze your facial expressions and voice to recognize your emotional state. Once you've finished entering information, click 'Submit'."

[0867] The above is a mode for carrying out the present invention, which is a system that can provide an optimal personalized asset formation plan while taking into consideration the emotional state of the user.

[0868] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0869] Step 1:

[0870] The user launches the "Future Design Support System" app and the home screen appears.

[0871] Specific operation: The user taps the application icon to launch the app. The login screen appears, so the user enters their user ID and password and clicks "Login."

[0872] Input: User ID, Password

[0873] Output: Home screen displayed after successful login

[0874] Step 2:

[0875] The user clicks the "Enter Lifestyle" button and enters data about their lifestyle and life events.

[0876] Specific operation: When the user clicks the "Enter lifestyle" button, an input screen will appear. Here, the user can enter information such as marriage, childbirth, children's tuition fees, and living expenses in retirement. For example, the user can enter data such as "Planning to get married at age 35," "Having two children," and "Desired monthly living expenses in retirement of 200,000 yen."

[0877] Input: Life event data such as marriage, childbirth, children's school fees, and retirement living expenses

[0878] Output: Data entered by the user

[0879] Step 3:

[0880] While the user is entering information, the emotion engine uses the device's camera and microphone to recognize the user's emotional state.

[0881] How it works: The camera captures the user's face, the microphone records the user's voice, and the emotion engine analyzes facial expressions and tone of voice to assess the user's emotional state.

[0882] Input: User's facial expression data, voice data

[0883] Output: Analyzed emotional state data (e.g., stress, relief, etc.)

[0884] Step 4:

[0885] The user completes the data entry and clicks the "Submit" button. The device sends the input data and emotion data to the server.

[0886] Specific operation: When the user clicks the "Send" button, the device packages the input data and emotion data in JSON format and sends it to the server using SSL / TLS.

[0887] Input: User-entered life event data, emotional state data

[0888] Output: Sending process successful message

[0889] Step 5:

[0890] The server analyzes the received data and generates optimal advice for the user.

[0891] How it works: The server stores the received data in a database, and the AI ​​analysis engine processes it. Specifically, it creates an optimal asset formation plan based on the user's input data, and also incorporates stress reduction measures based on emotional data.

[0892] Input: User's life event data, emotional state data

[0893] Output: Generated wealth planning and emotionally sensitive content

[0894] Step 6:

[0895] The generated advice and content is sent to the device and displayed to the user.

[0896] Specific operation: The server sends the generated advice and content to the device, which then displays the received information on the screen, providing specific advice such as, "Based on your plans to get married at age 35, prenuptial insurance and investment planning are appropriate."

[0897] Input: Generated wealth planning and emotionally sensitive content

[0898] Output: Advice and content displayed to the user

[0899] Step 7:

[0900] When a user registers for a flat-rate service, they enter the necessary information on the registration screen and send it to the server, which then processes the payment.

[0901] Specific operation: The user clicks the "Register for subscription service" button and enters their name, address, and payment information. After clicking the "Register" button, the terminal sends the registration information to the server, which then processes it via the payment gateway.

[0902] Input: User registration information (name, address, payment information, etc.)

[0903] Output: Registration complete message and payment complete message

[0904] Step 8:

[0905] If the user wishes to subscribe to the proposed insurance product, he / she will confirm the details and complete the subscription procedure.

[0906] Specific operation: When the user opens the details page of the insurance product and clicks the "Enroll" button, detailed information is displayed. When the user enters the required information and clicks the "Submit" button, the device sends the information to the server. The server then works with the insurance company to complete the enrollment procedure.

[0907] Input: User's insurance information

[0908] Output: Subscription completion message and discount application confirmation message

[0909] (Application example 2)

[0910] 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."

[0911] In modern society, individuals need a lot of information when planning for their future, and it is difficult to effectively utilize that information to create optimal asset formation plans. Furthermore, while more appropriate advice could be provided by taking into account the individual's emotional state, current systems do not take this into consideration. There is also a lack of ways to receive real-time support for future planning while shopping in a physical store. A system that can solve these issues is needed.

[0912] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[0913] In this invention, the server includes means for inputting data related to a user's lifestyle and life events, means for analyzing the user's emotional state, means for transmitting the input data and emotional data to the server, means for the server to analyze the received data and emotional data and generate an asset formation plan suitable for the user and advice that takes emotions into consideration, means for transmitting the advice generated from the server and content based on emotions to a terminal and displaying it to the user, means for the user to register for a flat-rate service, means for transmitting registration information to the server and performing payment processing, means for the user to subscribe to an insurance product, means for the server to cooperate with insurance providers and apply discounts and provide notifications, and means for analyzing the user's emotional state in real time using a smart device and providing appropriate information. This allows users to receive an optimal asset formation plan that takes their emotional state into consideration and receive support for planning for their future in real time.

[0914] "Lifestyle" refers to an individual's lifestyle, values, and daily behavior and activities.

[0915] "Life events" refer to important events or turning points in an individual's life, such as marriage, childbirth, education, and old age.

[0916] "Data Entry Means" refers to the means by which a user enters information about their lifestyle and life events into the system.

[0917] "Emotional state" refers to the user's current psychological or emotional state, and is analyzed from the user's facial expressions, voice, etc.

[0918] "Emotion analysis means" refers to a means for recognizing a user's emotional state by analyzing their facial expressions, voice, etc.

[0919] "Server" refers to the central computer system that analyzes data and provides advice and information to users.

[0920] An "asset formation plan" refers to a plan for how to accumulate and manage assets in order to achieve the user's future lifestyle and goals.

[0921] "Advice" refers to advice or suggestions provided based on a user's data and emotional state.

[0922] "Content" refers to information, entertainment, educational materials, etc. that match the user's emotional state.

[0923] "Flat-rate service" refers to a service that is provided to a user on an ongoing basis for a fixed fee.

[0924] "Payment processing means" refers to the means by which a user processes payments for services or products.

[0925] "Insurance provider" refers to an institution that provides insurance products to users and handles the application procedures.

[0926] "Discount Application Method" means a method for discounting the price of a service or product provided to a User under certain conditions.

[0927] "Smart devices" refer to internet-connected devices used by users, particularly those equipped with emotion analysis and display functions.

[0928] This invention is a system that aims to support future design that takes into account the user's emotional state. The system consists of the following main components: a user terminal, a server, an emotion analysis engine, and a smart device.

[0929] Users use smart devices to input information about their lifestyle and life events. The devices are equipped with a camera and microphone, which enables emotion analysis to analyze the user's facial expressions and voice. Emotion analysis is performed using software such as OpenCV and the SpeechRecognition library.

[0930] When a user enters information, the device collects the data and sends it to a server along with emotional state data. This communication is carried out via security protocols such as HTTPS. The server analyzes the received data and generates optimal asset formation plans and insurance product advice taking into account the user's emotional state. AI technology is used for the analysis, and a generative AI model is used to provide appropriate advice.

[0931] The generated advice and content that takes into account the user's emotions are sent from the server to the terminal and displayed on the smart device screen, allowing the user to receive advice tailored to their emotional state in real time.

[0932] As a concrete example, consider the case where a user wears a smart device and inputs "marriage" as a future life event. At this time, the emotion analysis engine recognizes from the user's facial expression that they are feeling stressed. Based on this information, the server proposes an asset formation plan that provides a sense of security related to marriage, and also provides content related to relaxation. Specific advice such as "ways to relax to reduce stress" is displayed on the user's screen.

[0933] The following is an example of a prompt sentence:

[0934] "Tell me about future life events"

[0935] "How are you feeling right now?"

[0936] "Are there any situations that make you feel stressed?"

[0937] This system allows users to receive advice tailored to their emotional state, allowing them to plan for the future with greater peace of mind.

[0938] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0939] Step 1:

[0940] A user launches the application using a smart device and inputs information about future lifestyles and life events using voice or touch input, including information about marriage, childbirth, and retirement living expenses.

[0941] Input: Information about the user's life events

[0942] Data processing: Converting voice input into text data using voice recognition technology

[0943] Output: Life event information in text format

[0944] Step 2:

[0945] The emotion analysis engine analyzes the user's emotional state in real time by capturing facial expressions with the camera and collecting audio with the microphone, and then using emotion analysis software (OpenCV, SpeechRecognition) to recognize the user's emotional state.

[0946] Input: User facial expression and audio data

[0947] Data processing: Identifying emotional states through facial expression and voice analysis

[0948] Output: Emotional state data (e.g., stress, relief, etc.)

[0949] Step 3:

[0950] The device sends the entered life event information and emotional state data to the server, where the data is packaged and sent using a security protocol such as HTTPS.

[0951] Input: Life event information and emotional state data in text format

[0952] Data processing: data packaging and encryption

[0953] Output: Data sent to the server

[0954] Step 4:

[0955] The server analyzes the received life event information and emotional state data, and generates the optimal asset formation plan for the user, as well as advice and content that takes emotions into consideration. This analysis is performed using a generative AI model.

[0956] Input: Life event information and emotional state data sent to the server

[0957] Data processing: Data analysis and advice generation using generative AI models

[0958] Output: Wealth planning and advice, content

[0959] Step 5:

[0960] The server sends the generated advice and content to the terminal and displays it on the user's smart device.

[0961] Input: Server-generated advice and content

[0962] Data processing: Packaging and sending data

[0963] Output: Display data to smart device

[0964] Step 6:

[0965] When a user registers for a flat-rate service, the device collects registration information and sends it to the server, which processes the payment based on that information and notifies the user of the results.

[0966] Input: User registration information

[0967] Data processing: Payment processing and result notification

[0968] Output: Notification of payment result

[0969] Step 7:

[0970] If the user is interested in signing up for an insurance product, the device displays the details and proceeds with the application. The server then contacts the insurance provider to apply for discounts and notify the user of the application.

[0971] Input: User subscription information

[0972] Data processing: Insurance provider notification and discount application

[0973] Output: Notification of enrollment results

[0974] 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.

[0975] 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.

[0976] 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.

[0977] [Third embodiment]

[0978] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[0979] 5, the data processing system 310 includes the data processing device 12 and a headset type terminal 314. An example of the data processing device 12 is a server.

[0980] 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).

[0981] 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.

[0982] 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.

[0983] 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).

[0984] 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.

[0985] 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.

[0986] 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.

[0987] 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.

[0988] 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.

[0989] 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."

[0990] The present invention is a system for supporting individuals' future planning. This system allows users to input data about their future lifestyles and life events, and provides optimal asset formation plans and insurance products based on that data. Specific embodiments of the present invention are described below.

[0991] Overall system configuration

[0992] The system consists of three main components: the user terminal, the server, and the user. The user inputs data using the terminal, and the server analyzes the data to generate advice, which is then sent to the terminal and displayed to the user.

[0993] System Operation

[0994] 1. User Actions

[0995] Users launch the application on their devices and enter information about their future lifestyle and life events. Entry items include marriage, childbirth, children's education fees, and retirement living expenses. These items are displayed on an entry screen, and users enter information for each item.

[0996] 2. Data transmission

[0997] Once the user has completed their entry and clicked the submit button, the device sends the entered data to the server, where it is packaged in the appropriate format and sent via a security protocol.

[0998] 3. Analysis on the server

[0999] The server analyzes the received data and generates an asset formation plan based on the user's desired lifestyle and life events, taking into account the user's current financial situation, expected future income, expenses, etc.

[1000] 4. Generating Advice

[1001] Based on the analysis results, the server generates specific advice and suggestions for the user, such as suitable insurance products, specific savings plans, and investment strategies.

[1002] 5. Providing advice

[1003] The generated advice is sent from the server to the device, where it is displayed. The user can review this advice and use it as a basis for considering specific actions.

[1004] 6. Subscription Service Registration

[1005] When a user wants to sign up for a flat-rate service, the device collects the user's registration information and sends it to the server. The server receives the information and processes the payment. During this process, the user enters the necessary information and the flat-rate payment procedure is completed.

[1006] 7. Insurance product enrollment and discounts

[1007] If the user decides to subscribe to the proposed insurance product, the device will display the details. Once the user decides to subscribe and proceeds, the device will send the information to the server. The server will then contact the insurance company and notify them of the subscription information and the 1% discount. The server will then send the processing results to the device, which will then notify the user.

[1008] Specific scenario examples

[1009] Tanaka decided to use the "My Financial Plan" app to plan his future lifestyle. He launched the app and proceeded to the lifestyle input screen. There, he entered information such as "planned marriage," "education expenses for two children," "retirement at age 60," and "living expenses in retirement." When he was finished entering information, he clicked the "Submit" button.

[1010] The device sent this data to the server, which then received it and began analyzing it. After a few seconds, the server created an optimal asset formation plan for Mr. Tanaka and sent specific advice to the device, including "specific insurance products for education expenses," "the amount of savings needed for retirement," and "the optimal investment plan at this stage."

[1011] Tanaka checked the displayed advice and became interested in the insurance product for education expenses. He opened the details page and completed the enrollment procedure. The device sent the enrollment information to the server, and the server linked with the insurance company to apply the discount and confirm the enrollment. The device displayed that the discount had been applied, so Tanaka enrolled in the insurance with peace of mind.

[1012] In this way, the system of the present invention provides specific and effective help to resolve the future anxieties that users face.

[1013] The processing flow will be explained below.

[1014] Step 1:

[1015] Users launch the "My Financial Plan" app on their smartphone or computer.

[1016] Step 2:

[1017] The device will display the app's home screen and present the user with menus such as "Enter lifestyle information" and "Register for flat-rate services."

[1018] Step 3:

[1019] The user selects the "Lifestyle Input" menu and proceeds to the input screen.

[1020] Step 4:

[1021] The device displays questions to the user about their future lifestyle and life events (e.g., marriage, childbirth, tuition fees, retirement expenses, etc.).

[1022] Step 5:

[1023] The user enters the required information for each question and clicks the "Submit" button.

[1024] Step 6:

[1025] The terminal packages the data entered by the user and sends it to the server through a security protocol.

[1026] Step 7:

[1027] The server analyzes the received data and generates an asset formation plan based on the user's desired lifestyle and life events.

[1028] Step 8:

[1029] The server creates specific advice (e.g., suitable insurance products, savings plans, investment strategies, etc.) from the generated asset formation plan.

[1030] Step 9:

[1031] The server packages the generated advice and sends it to the terminal.

[1032] Step 10:

[1033] The terminal displays the advice received from the server to the user.

[1034] Step 11:

[1035] The user reviews the displayed advice and opens the details page of the insurance product that interests them.

[1036] Step 12:

[1037] The terminal displays detailed information about insurance products and assists with the enrollment process.

[1038] Step 13:

[1039] The user enters the necessary information to subscribe to the insurance product and clicks the subscribe button.

[1040] Step 14:

[1041] The device packages the user's subscription information and sends it to the server through a security protocol.

[1042] Step 15:

[1043] The server connects with the insurance company, verifies the user's membership information, and applies a 1% discount.

[1044] Step 16:

[1045] The server notifies the insurance company and sends the result to the terminal.

[1046] Step 17:

[1047] The terminal displays to the user the notification received from the server that subscription has been completed and that the discount has been applied.

[1048] Step 18:

[1049] Users can confirm that the discount has been applied and sign up for insurance with peace of mind.

[1050] Step 19:

[1051] When a user registers for a flat-rate service, the device displays a screen for entering registration information.

[1052] Step 20:

[1053] The user enters their registration information and clicks the "Register" button.

[1054] Step 21:

[1055] The terminal packages the entered registration information and transmits it to the server.

[1056] Step 22:

[1057] The server receives the registration information and processes the payment.

[1058] Step 23:

[1059] The server notifies the terminal that the payment has been completed.

[1060] Step 24:

[1061] The device will display a notification to the user that registration for the flat-rate service has been completed.

[1062] Example 1

[1063] 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."

[1064] In today's society, choosing an asset formation plan or insurance product that suits each individual's life events and lifestyle is a difficult task. Because users are particularly prone to anxiety about their future lifestyles, a system that can provide appropriate advice effectively and efficiently is needed. There is also a need for a method that allows users to easily sign up for flat-rate services and smoothly apply the associated discounts.

[1065] 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.

[1066] In this invention, the server includes means for inputting data regarding the user's lifestyle and future events, means for transmitting the input data to a central processing unit, means for the central processing unit to analyze the received data and generate an asset formation plan suitable for the user, means for transmitting the advice generated by the central processing unit to a terminal and displaying it to the user, means for the user to register for a flat-rate service, means for transmitting registration information to the central processing unit and performing payment processing, means for the user to subscribe to an insurance product, and means for the central processing unit to cooperate with insurance providers to apply discounts and provide notifications. This allows users to eliminate anxiety about their future life planning, efficiently select an appropriate asset formation plan or insurance product, easily register for the flat-rate service, and enjoy the benefits thereof.

[1067] "User" refers to an individual who uses the system, inputs information about future lifestyles and life events, and receives appropriate advice.

[1068] "Lifestyle" is a concept that encompasses a user's lifestyle, habits, living environment, future plans, etc.

[1069] "Future events" are life events that users predict will occur in the future, including marriage, childbirth, children's further education, retirement, and living expenses in old age.

[1070] "Data" refers to a collection of information entered by users about their lifestyle and future events.

[1071] "Central Processing Unit" refers to the Zentrale computer or server that analyzes data, generates wealth plans, and coordinates with insurance providers in the system.

[1072] "Server" refers to a computer system that receives and analyzes user input data, generates advice, transmits the advice to a terminal, and cooperates with insurance providers.

[1073] An "asset formation plan" is an optimal asset formation plan, investment strategy, and savings plan generated by the server based on the user's lifestyle and future events.

[1074] "Advice" refers to advice or suggestions provided to users by the server based on the analysis results, including specific insurance products, specific savings plans, investment strategies, etc.

[1075] "Terminal" refers to a device operated by a user to access the system and input / receive information, including smartphones, tablets, and PCs.

[1076] "Flat-fee service" refers to a continuous service provided in exchange for a fixed fee paid by the user.

[1077] "Payment processing" refers to the payment processing carried out when a user registers for a flat-rate service.

[1078] "Insurance Product" refers to an insurance contract offered to provide risk hedging or compensation for a User's life events.

[1079] "Insurance provider" refers to a company or organization that offers insurance products, including insurance companies.

[1080] "Integration" refers to the system exchanging and processing data with insurance providers.

[1081] The present invention is a system designed to support individuals' future planning. This system allows users to input data about their future lifestyles and life events, and provides optimal asset formation plans and insurance products based on that data. Specific embodiments for implementing the present invention are described below.

[1082] Overall system configuration

[1083] The system consists of three main components: the user terminal, the server, and the user. The user uses the terminal to input data, and the server analyzes the data to generate advice, which is then sent to the terminal and displayed to the user.

[1084] Hardware and software used

[1085] User devices: smartphones, tablets, computers, etc.

[1086] Server: Cloud service (e.g., Amazon Web Services, Microsoft Azure, etc.)

[1087] Software: User interface application, server-side data analysis program (e.g. Python, Java, etc.), security protocol (SSL / TLS)

[1088] System Operation

[1089] 1. User Actions

[1090] Users launch the application on their devices and enter information about their future lifestyle and life events. Entry items include marriage, childbirth, children's education fees, and retirement living expenses. These items are displayed on an entry screen, and users enter information for each item.

[1091] 2. Data transmission

[1092] When the user completes the input and clicks the submit button, the terminal packages the input data in the appropriate format and sends it to the server via a security protocol (SSL / TLS).

[1093] 3. Analysis on the server

[1094] The server analyzes the received data and generates a wealth formation plan based on the user's desired lifestyle and life events. This analysis takes into account the user's current financial situation, expected future income, expenses, etc. A generative AI model is used for the analysis.

[1095] 4. Generating Advice

[1096] Based on the analysis results, the server generates specific advice and suggestions for the user, such as suitable insurance products, specific savings plans, and investment strategies, using a generative AI model.

[1097] 5. Providing advice

[1098] The generated advice is sent from the server to the device, where it is displayed. The user can review this advice and use it as a basis for considering specific actions.

[1099] 6. Subscription Service Registration

[1100] When a user wants to sign up for a flat-rate service, they enter the necessary information into a dedicated input form. The device sends this registration information to the server, which then processes the payment. The user then enters their payment method, such as credit card information.

[1101] 7. Insurance product enrollment and discounts

[1102] If the user is interested in the proposed insurance product and wishes to apply for it, the device will display the details. The user enters the necessary information into the application form and clicks the submit button. The device then sends this information to the server, which then works with the insurance provider to apply the discount and confirm the application. The results of the discount application are sent to the device and the user is notified.

[1103] Example: User Case

[1104] A user decides to use a "Financial Planning" app to plan their future lifestyle. The user launches the app, goes to the lifestyle input screen, and enters information such as "plans for marriage," "education expenses for two children," "retirement at age 60," and "living expenses in old age." When the user has finished entering information, they click the "Submit" button.

[1105] The device then sent this data to the server, which then began analyzing it. After a few seconds, the server generated an optimal asset formation plan for the user and sent specific advice to the device, including specific insurance products for education expenses, the amount of savings needed for retirement, and the optimal investment plan for the current stage.

[1106] The user checked the displayed advice and became interested in an insurance product for education expenses. He opened the details page and completed the enrollment procedure. The device sent the enrollment information to the server, and the server worked with the insurance provider to apply the discount and confirm the enrollment. The device displayed that the discount had been applied, allowing the user to enroll in the insurance with peace of mind.

[1107] Prompt Sentence Examples

[1108] Here are some example prompts to input to the generative AI model:

[1109] I would like to build a system that provides optimal asset formation plans and insurance products based on the data entered by users. Please tell me the specific processing steps for this system.

[1110] As described above, the system of the present invention relieves users of their anxieties about their future life planning and provides support for efficiently selecting appropriate asset formation plans and insurance products.

[1111] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1112] Step 1:

[1113] The user launches the "Financial Planning" app on their device and enters their ID and password on the login screen.

[1114] Input: User ID and password

[1115] Output: User authentication result

[1116] Specific operation: The terminal sends the ID and password entered by the user to the server, which then compares them with the database for authentication. If authentication is successful, the terminal displays the main menu screen.

[1117] Step 2:

[1118] Users go to the lifestyle input screen from the main menu and enter information about their future lifestyle and life events.

[1119] Input: Information about the user's lifestyle and life events (e.g., marriage plans, children's education expenses, retirement, and post-retirement living expenses)

[1120] Output: Lifestyle information data entered by the user

[1121] Specific operation: The device temporarily stores the information entered by the user for each input field. When the input is complete, the user clicks the "Submit" button.

[1122] Step 3:

[1123] When the user clicks the "Submit" button, the terminal packages the entered data in an appropriate format (e.g., JSON format) and sends it to the server via a security protocol (SSL / TLS).

[1124] Input: Formatted lifestyle information data

[1125] Output: Data sent to the server

[1126] How it works: The device encrypts the data and sends it over the internet to a server, which receives it, decrypts it, and stores it in a database.

[1127] Step 4:

[1128] The server takes in the received data and stores it in a database. It then runs an analysis program to analyze the received data.

[1129] Input: User's lifestyle information data

[1130] Output: Analyzed data, user's financial situation assessment

[1131] Specific operation: The server analyzes the stored data, taking into account the user's current financial situation, expected future income, expenses, etc. It uses an analysis algorithm written in Python, Java, etc.

[1132] Step 5:

[1133] The server uses a generative AI model to generate an optimal asset formation plan based on the analysis results, and also creates specific advice and proposals.

[1134] Input: Parsed data, generative AI model

[1135] Output: Wealth building plan, specific advice and suggestions

[1136] What it does: The generative AI model generates advice and recommendations for the user (e.g. suitable insurance products, savings plans, investment strategies, etc.), formats them, and saves them.

[1137] Step 6:

[1138] The server sends the generated advice to the device, which receives it and displays it to the user.

[1139] Input: Wealth formation plan, specific advice and suggestions

[1140] Output: Advice displayed to the user

[1141] Specific operation: The server sends advice to the device, which receives it and displays it in a format that is easy for the user to understand.

[1142] Step 7:

[1143] When a user wants to register for a flat-rate service, they enter the necessary information into a dedicated input form. The device then sends the registration information to the server, which then processes the payment.

[1144] Input: Subscription service registration information, payment information (credit card, etc.)

[1145] Output: Notification of subscription completion, notification of payment completion

[1146] Specific operation: The terminal receives the user's registration information and payment information and sends them to the server. The server processes the payment through the payment gateway and notifies the terminal of the result.

[1147] Step 8:

[1148] If the user chooses to subscribe to the proposed insurance product, the device will display the details and prompt the user to enter the necessary information. Once the user completes the subscription process, the device will send it to the server, which will then work with the insurance provider to apply the discount and confirm the subscription.

[1149] Input: Insurance product information

[1150] Output: Notification of insurance product enrollment completion, notification of discount application

[1151] Specific operation: The terminal sends the insurance product information entered by the user to the server. The server then forwards the information to the insurance provider and checks whether the discount is applied. The result is sent to the terminal and notified to the user.

[1152] (Application example 1)

[1153] 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."

[1154] Today's busy lives make it difficult for users to find asset formation plans and financial products that suit their future lifestyles and life events. Furthermore, there are limited tools available to make this process easy and efficient. Furthermore, there is a lack of systems that allow users to input necessary information and obtain advice in an intuitive manner, independent of specific devices or applications. In particular, while systems that utilize smart devices and wearable devices have many possibilities, the lack of solutions that effectively utilize them is a major challenge.

[1155] 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.

[1156] In this invention, the server includes: means for inputting data related to the user's lifestyle and life events; means for transmitting the input data to the server; means for the server to analyze the received data and generate an asset formation plan suitable for the user using a generative AI model; means for transmitting the generated advice to a display device and visually displaying it to the user; means for the user to register for a flat-rate service; means for transmitting registration information to the server and performing payment processing; means for the user to subscribe to financial products; means for the server to link with an external system and apply discounts and provide notifications; means for the user to input data by voice input or gesture input using a smart wearable device; and means for providing the generated advice visually on a head-mounted display, thereby enabling the user to intuitively and efficiently input their future life plan and receive appropriate advice.

[1157] "Users" are individuals who use this system to input information about their future lifestyles and life events and receive an appropriate asset formation plan.

[1158] "Lifestyle" refers to the user's lifestyle and important events throughout their life, such as marriage, childbirth, children's education fees, and living expenses in retirement.

[1159] "Life events" are important events in a user's life, such as marriage, childbirth, children's education, and retirement.

[1160] "Data" means information related to a user's lifestyle and life events, and materials necessary to generate an asset formation plan.

[1161] "Input means" refers to a device or method that allows a user to input information, including the use of smart devices and wearable devices.

[1162] A "server" is a computer system that receives and analyzes data sent by users and generates appropriate asset formation plans and advice.

[1163] "Means for analysis" refers to the method by which the server uses the received data to generate an asset formation plan suitable for the user, including a generating AI model and other analytical algorithms.

[1164] The "means for generating" is a method by which the server generates an asset formation plan and advice based on the analysis results.

[1165] The "display means" refers to a device or method for visually displaying the advice sent from the server to the user, and includes a head-mounted display, smart glasses, etc.

[1166] "Flat-fee service" refers to a service that users use by paying a fixed fee, and in this system means a service that includes the provision of asset formation plans and related advice.

[1167] "Payment processing means" means a method for processing payments when a user registers for a service, including technology that ensures secure and efficient payments.

[1168] "Financial products" are products that users use for asset formation and insurance, and in this system refer to the optimal insurance products and savings plans.

[1169] The "means of collaboration, discount application and notification" refers to the method by which the server communicates with external financial institutions and insurance companies, confirms the application of discounts, and notifies the user.

[1170] A "smart wearable device" is a device worn by the user that allows information to be input through voice or gesture input.

[1171] A "head-mounted display" is a device that a user wears on their head to display visual information, and is used to display advice from the server.

[1172] The present invention is a system that allows users to input information about their future lifestyles and life events, and provides optimal asset formation plans and financial products based on this information. The implementation of this system involves the following major components and operations:

[1173] Overall system configuration

[1174] The system consists of three main components: the user's device (including smart wearable devices), a server, and an external system. The user enters information using the device and sends it to the server. The server analyzes the data, generates an optimal asset formation plan and advice, and sends it to the user's device. The server also interacts with external systems as needed to handle processes such as applying discounts to financial products.

[1175] System Operation

[1176] 1. User Actions

[1177] Users put on smart wearable devices (e.g., smart glasses) and input information about their lifestyle and life events using voice or gesture input. Input content includes marriage plans, children's education expenses, retirement plans, and retirement living expenses. This operation is intuitive, allowing users to input data easily.

[1178] 2. Data transmission

[1179] Once the user has completed the input, the device converts the input data into the appropriate format and sends it to the server, which includes packaging the data and sending it through security protocols.

[1180] 3. Analysis on the server

[1181] The server analyzes the received data and generates a wealth formation plan based on the user's lifestyle and life events. This analysis uses a machine learning model (generative AI model), which takes into account the user's current financial situation, expected future income, expenses, etc.

[1182] 4. Generating Advice

[1183] Based on the analysis results, the server generates specific advice and recommendations for the user, such as suitable insurance products, specific savings plans, investment strategies, etc. The generated advice is sent to the user's device.

[1184] 5. Providing advice

[1185] The generated advice is displayed on the user's head-mounted display (HMD) or smart glasses, allowing the user to review the advice and choose their next course of action.

[1186] Hardware and software used

[1187] Smart wearable devices: Devices that allow for voice and gesture input (e.g., smart glasses).

[1188] Server: A computer system (e.g., AWS, Google Cloud) that analyzes data and generates advice.

[1189] Generative AI model: Uses machine learning algorithms to analyze data and generate the best plan for the user.

[1190] Head-mounted display (HMD): A device for visually presenting generated advice to the user.

[1191] Examples of concrete examples and prompts

[1192] As a concrete example, consider a scenario in which a user puts on smart glasses and voice-inputs information such as "I plan to get married in 2024, my education expenses for my two children will be 5 million yen, I plan to retire at 60, and my living expenses after retirement will be 20 million yen." The smart glasses collect this information and send it to the server, and after a few seconds, the optimal insurance product, savings plan, and investment strategy will be displayed on the screen.

[1193] An example prompt is:

[1194] Enter information about your future life events, including your planned marriage, your children's education expenses, retirement plans, and retirement living expenses.

[1195] example:

[1196] Planned marriage date: 2024

[1197] Educational expenses for two children: 5 million yen

[1198] Planned retirement age: 60

[1199] Living expenses in retirement: 20 million yen

[1200] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1201] Step 1:

[1202] Users wear smart wearable devices (e.g., smart glasses) and input information about their lifestyle and life events using voice or gesture input, such as marriage plans, children's education expenses, retirement plans, and retirement living expenses.

[1203] Input: User-initiated voice or gesture input

[1204] Output: A dataset of lifestyle and life event information based on the input.

[1205] Step 2:

[1206] The device receives the information entered by the user and converts it into an appropriate data format (e.g., JSON), which prepares the data so that it can be sent to the server.

[1207] Input: A dataset of lifestyle and life event information entered

[1208] Output: Formatted data (e.g. JSON)

[1209] Step 3:

[1210] The device sends the formatted data to the server using a security protocol (e.g. HTTPS), where the data is encrypted and transmitted securely.

[1211] Input: Formatted data (e.g. JSON format)

[1212] Output: Notify the server that data has been sent

[1213] Step 4:

[1214] The server analyzes the received data and uses a generative AI model to perform calculations to generate an asset formation plan that matches the user's desired lifestyle and life events. The analysis takes into account the user's current financial situation, expected future income, expenses, etc.

[1215] Input: Received data (e.g., JSON format)

[1216] Output: Analysis results (dataset of optimal asset formation plans and advice)

[1217] Step 5:

[1218] The server generates specific advice and recommendations for the user based on the generated analysis results, including suitable insurance products, specific savings plans, investment strategies, etc. The generated advice is then converted back into an appropriate format.

[1219] Input: Analysis results (dataset of optimal asset formation plans and advice)

[1220] Output: A dataset of generated advice

[1221] Step 6:

[1222] The server then transmits the generated advice dataset to the device, again in encrypted form via a security protocol.

[1223] Input: A dataset of generated advice

[1224] Output: Notification of completion of data transmission to the terminal

[1225] Step 7:

[1226] The device visually displays the received advice to the user, who can then check it on the display of a head-mounted display (HMD) or smart glasses.

[1227] Input: Dataset of received advice

[1228] Output: Visual advice displayed to the user

[1229] Step 8:

[1230] When the user selects a suggested action (e.g., signing up for a specific insurance product or selecting an investment plan), the selection information is sent back to the server via the device, along with registration and payment information, for processing.

[1231] Input: User choices and registration information

[1232] Output: Notification of completion of sending selection information and registration information to the server

[1233] Step 9:

[1234] The server then connects with the necessary external systems (e.g., insurance companies, financial institutions) based on the received user selection information and processes the discount. If a discount is applicable, it confirms the discount and applies it, and notifies the user's device of the result.

[1235] Input: User selection and registration information

[1236] Output: Notification of completion of sending of processing results to the terminal

[1237] Through the above processing steps, the user can intuitively and efficiently input their future life plans and receive optimal advice.

[1238] 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.

[1239] This invention is a system for supporting individuals' future planning, and in particular, it combines an emotion engine that recognizes the user's emotional state and provides the optimal asset formation plan. In this system, the user inputs data about their future lifestyle and life events, and based on that, the server provides the optimal asset formation plan and insurance products, as well as advice and content that takes the user's emotional state into consideration.

[1240] Overall system configuration

[1241] The system consists of the following main components: a user terminal, a server, an emotion engine, and a user. The user inputs data using the terminal, the emotion engine recognizes the emotion at that time, and the server analyzes the data and the emotional state to generate advice, which is sent to the terminal and displayed to the user.

[1242] System Operation

[1243] 1. User Actions

[1244] Users launch the application on their device and input information about their future lifestyle and life events, including marriage, childbirth, children's tuition fees, and retirement living expenses. While the user is inputting information, the emotion engine analyzes the user's facial expressions and voice to recognize their emotional state.

[1245] 2. Sending data and emotion data

[1246] Once the user has completed entering data and clicked the submit button, the device sends the entered data and emotion data to the server, where it is packaged in a suitable format and sent via a security protocol.

[1247] 3. Analysis on the server

[1248] The server analyzes the received data and emotional data. The server takes the user's emotional state into account when generating an asset formation plan based on the user's desired lifestyle and life events. For example, if the user is feeling stressed, the server will prioritize advice and suggestions that will provide more reassurance.

[1249] 4. Generating Advice

[1250] Based on the analysis results, the server generates specific advice and suggestions for the user, such as suitable insurance products, specific savings plans, and investment strategies, taking into consideration the results of the emotion engine.

[1251] 5. Providing Advice and Content

[1252] The generated advice is sent from the server to the device, which then displays it to the user, along with content that provides stress relief and a sense of security that matches the user's emotional state.

[1253] 6. Subscription Service Registration

[1254] When a user wants to sign up for a flat-rate service, the device collects the user's registration information and sends it to the server. The server receives the information and processes the payment. During this process, the user enters the necessary information and the flat-rate payment procedure is completed.

[1255] 7. Insurance product enrollment and discounts

[1256] If the user decides to subscribe to the proposed insurance product, the device will display the details. Once the user decides to subscribe and proceeds, the device will send the information to the server. The server will then contact the insurance company and notify them of the subscription information and the 1% discount. The server will then send the processing results to the device, which will then notify the user.

[1257] Specific scenario examples

[1258] Yamada decided to use the "My Financial Plan" app to plan his future lifestyle. He launched the app, went to the lifestyle input screen, and began entering his future plans. While he was entering his plans, the emotion engine analyzed his facial expressions and voice and recognized that he was feeling somewhat stressed.

[1259] After inputting the information and clicking the "Send" button, the device sent the data and emotional data to the server. The server then analyzed the received data, took the user's stress level into account, and generated advice and suggestions to help them feel more at ease. For example, Yamada was offered an insurance product that guaranteed a stable income, as well as information on relaxation activities.

[1260] Yamada checked the displayed advice and became interested in a particular insurance product. He opened the details page and completed the application process. The device sent the application information to the server, which then contacted the insurance company to apply the discount and confirm the application. The device displayed a message that the discount had been applied, allowing Yamada to apply for insurance with peace of mind.

[1261] In this way, by working in conjunction with the emotion engine, the system of the present invention can provide support for future planning that also takes into account the user's emotional state.

[1262] The processing flow will be explained below.

[1263] Step 1:

[1264] Users launch the "My Financial Plan" app on their smartphone or computer.

[1265] Step 2:

[1266] The device will display the app's home screen and present the user with menus such as "Enter lifestyle information" and "Register for flat-rate services."

[1267] Step 3:

[1268] The user selects the "Lifestyle Input" menu and proceeds to the input screen.

[1269] Step 4:

[1270] The device displays questions to the user about their future lifestyle and life events (e.g., marriage, childbirth, tuition fees, retirement expenses, etc.).

[1271] Step 5:

[1272] The user begins to input the required information for each question, while the emotion engine simultaneously analyzes the user's facial expression and voice data in real time to recognize their emotional state.

[1273] Step 6:

[1274] The emotion engine sends the recognized emotional state to the terminal, which prepares it for transmission to the server.

[1275] Step 7:

[1276] The user completes the form and clicks the "Submit" button.

[1277] Step 8:

[1278] The device packages the lifestyle and emotional data entered by the user and transmits it to a server through a security protocol.

[1279] Step 9:

[1280] The server analyzes the received lifestyle and emotion data, taking into account not only the user's desired lifestyle and life events, but also the user's current emotional state.

[1281] Step 10:

[1282] The server generates a wealth planning plan based on the user's data, which includes suggestions that take into account the user's emotions. For example, if the user is feeling stressed, it will suggest insurance products that will give them more peace of mind.

[1283] Step 11:

[1284] The server packages the generated advice with content that corresponds to the user's emotional state (e.g., advice for reducing stress) and sends it to the terminal.

[1285] Step 12:

[1286] The terminal displays the advice and content received from the server to the user.

[1287] Step 13:

[1288] The user reviews the displayed advice and opens the details page of the insurance product that interests them.

[1289] Step 14:

[1290] The terminal displays detailed information about insurance products and assists with the enrollment process.

[1291] Step 15:

[1292] The user enters the necessary information to subscribe to the insurance product and clicks the subscribe button.

[1293] Step 16:

[1294] The device packages the user's subscription information and sends it to the server through a security protocol.

[1295] Step 17:

[1296] The server connects with the insurance company, verifies the user's membership information, and applies a 1% discount.

[1297] Step 18:

[1298] The server notifies the insurance company and sends the result to the terminal.

[1299] Step 19:

[1300] The terminal displays to the user the notification received from the server that subscription has been completed and that the discount has been applied.

[1301] Step 20:

[1302] Users can confirm that the discount has been applied and sign up for insurance with peace of mind.

[1303] Step 21:

[1304] When a user registers for a flat-rate service, the device displays a screen for entering registration information.

[1305] Step 22:

[1306] The user enters their registration information and clicks the "Register" button.

[1307] Step 23:

[1308] The terminal packages the entered registration information and transmits it to the server.

[1309] Step 24:

[1310] The server receives the registration information and processes the payment.

[1311] Step 25:

[1312] The server notifies the terminal that the payment has been completed.

[1313] Step 26:

[1314] The device will display a notification to the user that registration for the flat-rate service has been completed.

[1315] Example 2

[1316] 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."

[1317] Conventional asset formation plan provision systems provide a uniform plan without considering the user's emotional state, which makes it difficult to reduce stress and anxiety for users. In addition, the procedures for registering for flat-rate services and enrolling in insurance products are complicated, making it cumbersome for users.

[1318] 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.

[1319] In this invention, the server includes means for inputting data related to the user's lifestyle and life events, means for transmitting the input data to the server, means for recognizing the user's emotional state using an emotion engine, means for the server to analyze the received data and emotional data and generate an asset formation plan suitable for the user, means for transmitting content based on the advice and emotional state generated from the server to a terminal and displaying it to the user, means for the user to register for a flat-rate service, means for transmitting registration information to the server and performing payment processing, means for the user to subscribe to an insurance product, and means for the server to cooperate with an insurance company to apply discounts and provide notifications. This makes it possible to provide personalized advice that takes the user's emotional state into consideration and simplify the procedures for registering for a flat-rate service and subscribing to insurance products.

[1320] "Data regarding the user's lifestyle and life events" refers to information about life changes and important events that the user may face in the future, such as marriage, childbirth, children's education fees, and living expenses in retirement.

[1321] "Means for transmitting input data to a server" refers to a mechanism by which the terminal packages the information input by the user in an appropriate format and transmits it to the server via a security protocol (e.g., SSL / TLS).

[1322] An "emotion engine" is a software or hardware system that recognizes a user's emotional state in real time by analyzing the user's facial expressions and voice.

[1323] "Means for analyzing received data and emotional data and generating an asset formation plan suited to the user" refers to an analytical processing and plan generation mechanism that uses the lifestyle data and emotional data received by the server from the user to propose optimal savings plans, insurance products, investment strategies, etc.

[1324] "Means for transmitting advice generated by a server and content based on an emotional state to a terminal and displaying it to a user" refers to a mechanism for transmitting personalized advice generated by a server and relaxation content according to an emotional state to a terminal and displaying it to a user.

[1325] "Means for users to register for flat-rate services" refers to a mechanism in which a terminal accepts a request from a user to register for flat-rate services, provides a user interface for inputting necessary information, and transmits that information to a server.

[1326] "Means for transmitting registration information to a server and processing payment" refers to a system in which a terminal transmits the user's flat-rate service registration information to a server, and the server then performs the necessary payment processing.

[1327] The "means by which a user can subscribe to an insurance product" refers to a user interface that displays detailed information about the proposed insurance product to the user on the terminal and that supports the subscription process.

[1328] "Means for the server to work with the insurance company to apply discounts and notify" refers to a mechanism in which the server communicates with the insurance company's system, sends the user's subscription information, and notifies the user of the process of confirming the application of discounts to insurance products and the results.

[1329] This invention is a system that supports individuals' future planning and combines an emotion engine that recognizes the user's emotional state and provides optimal asset formation plans. The user inputs data about their future lifestyle and life events, and the server then provides optimal plans and insurance products based on that data. It also provides advice and content that takes the user's emotional state into account.

[1330] The overall system consists of the following main components: a user terminal, a server, and an emotion engine. The user inputs data using the terminal, and the emotion engine recognizes the emotion at that time. The server analyzes the data and the user's emotional state, generates advice, and sends it to the terminal for display to the user.

[1331] Hardware and software used

[1332] In terms of hardware, the device used by the user (e.g., PC, smartphone, tablet) must be equipped with a camera and microphone, which allows the emotion engine to analyze facial expressions and voice. On the server side, an AI engine and database for data analysis are required.

[1333] As for software, OpenFace or Microsoft's Azure Emotion API can be used for the emotion engine, while an AI analysis engine written in Python or R can be used for data analysis. Security protocols such as SSL / TLS are used to securely transmit and receive data between the server and the device.

[1334] Specific examples

[1335] When a user launches the "Future Planning Support System" app, the home screen appears. The user clicks the "Enter Lifestyle" button and enters information such as marriage, childbirth, children's tuition fees, and retirement living expenses. For example, a user might enter information such as "I plan to get married at age 35," "I have two children," and "I hope to spend 200,000 yen a month on retirement living expenses." During this input process, the device's built-in camera and microphone collect the user's facial expressions and voice in real time, which is analyzed by an emotion engine to recognize the user's emotional state.

[1336] After completing the input, clicking the "Send" button will cause the device to send the input data and emotional data to the server using SSL / TLS. The server then stores the received data in a database and processes it using an AI analysis engine. For example, the server not only generates an optimal asset formation plan based on the information entered by the user, but also creates advice that provides peace of mind by taking into account the user's emotional state.

[1337] The advice generated by the server is sent to the user's device and displayed. For example, specific advice such as "Based on your plan to get married at age 35, prenuptial insurance and investment planning are appropriate" may be displayed. If the system detects that the user is feeling stressed, it may also display content such as "suggestions for relaxing yoga and mindfulness."

[1338] If a user wishes to sign up for a flat-rate service, they enter the required information on the registration screen and click the "Register" button. The device then sends the information to the server, which then processes the payment. If the user wishes to sign up for the proposed insurance product, they confirm the details and complete the enrollment process. The device then sends the information to the server, which then works with the insurance company to complete the enrollment process.

[1339] Prompt Sentence Examples

[1340] "Enter information about your future lifestyle and life events. For example, marriage, childbirth, children's education expenses, retirement living expenses, etc. As you enter information, the emotion engine will analyze your facial expressions and voice to recognize your emotional state. Once you've finished entering information, click 'Submit'."

[1341] The above is a mode for carrying out the present invention, which is a system that can provide an optimal personalized asset formation plan while taking into consideration the emotional state of the user.

[1342] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1343] Step 1:

[1344] The user launches the "Future Design Support System" app and the home screen appears.

[1345] Specific operation: The user taps the application icon to launch the app. The login screen appears, so the user enters their user ID and password and clicks "Login."

[1346] Input: User ID, Password

[1347] Output: Home screen displayed after successful login

[1348] Step 2:

[1349] The user clicks the "Enter Lifestyle" button and enters data about their lifestyle and life events.

[1350] Specific operation: When the user clicks the "Enter lifestyle" button, an input screen will appear. Here, the user can enter information such as marriage, childbirth, children's tuition fees, and living expenses in retirement. For example, the user can enter data such as "Planning to get married at age 35," "Having two children," and "Desired monthly living expenses in retirement of 200,000 yen."

[1351] Input: Life event data such as marriage, childbirth, children's school fees, and retirement living expenses

[1352] Output: Data entered by the user

[1353] Step 3:

[1354] While the user is entering information, the emotion engine uses the device's camera and microphone to recognize the user's emotional state.

[1355] How it works: The camera captures the user's face, the microphone records the user's voice, and the emotion engine analyzes facial expressions and tone of voice to assess the user's emotional state.

[1356] Input: User's facial expression data, voice data

[1357] Output: Analyzed emotional state data (e.g., stress, relief, etc.)

[1358] Step 4:

[1359] The user completes the data entry and clicks the "Submit" button. The device sends the input data and emotion data to the server.

[1360] Specific operation: When the user clicks the "Send" button, the device packages the input data and emotion data in JSON format and sends it to the server using SSL / TLS.

[1361] Input: User-entered life event data, emotional state data

[1362] Output: Sending process successful message

[1363] Step 5:

[1364] The server analyzes the received data and generates optimal advice for the user.

[1365] How it works: The server stores the received data in a database, and the AI ​​analysis engine processes it. Specifically, it creates an optimal asset formation plan based on the user's input data, and also incorporates stress reduction measures based on emotional data.

[1366] Input: User's life event data, emotional state data

[1367] Output: Generated wealth planning and emotionally sensitive content

[1368] Step 6:

[1369] The generated advice and content is sent to the device and displayed to the user.

[1370] Specific operation: The server sends the generated advice and content to the device, which then displays the received information on the screen, providing specific advice such as, "Based on your plans to get married at age 35, prenuptial insurance and investment planning are appropriate."

[1371] Input: Generated wealth planning and emotionally sensitive content

[1372] Output: Advice and content displayed to the user

[1373] Step 7:

[1374] When a user registers for a flat-rate service, they enter the necessary information on the registration screen and send it to the server, which then processes the payment.

[1375] Specific operation: The user clicks the "Register for subscription service" button and enters their name, address, and payment information. After clicking the "Register" button, the terminal sends the registration information to the server, which then processes it via the payment gateway.

[1376] Input: User registration information (name, address, payment information, etc.)

[1377] Output: Registration complete message and payment complete message

[1378] Step 8:

[1379] If the user wishes to subscribe to the proposed insurance product, he / she will confirm the details and complete the subscription procedure.

[1380] Specific operation: When the user opens the details page of the insurance product and clicks the "Enroll" button, detailed information is displayed. When the user enters the required information and clicks the "Submit" button, the device sends the information to the server. The server then works with the insurance company to complete the enrollment procedure.

[1381] Input: User's insurance information

[1382] Output: Subscription completion message and discount application confirmation message

[1383] (Application example 2)

[1384] 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."

[1385] In modern society, individuals need a lot of information when planning for their future, and it is difficult to effectively utilize that information to create optimal asset formation plans. Furthermore, while more appropriate advice could be provided by taking into account the individual's emotional state, current systems do not take this into consideration. There is also a lack of ways to receive real-time support for future planning while shopping in a physical store. A system that can solve these issues is needed.

[1386] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[1387] In this invention, the server includes means for inputting data related to a user's lifestyle and life events, means for analyzing the user's emotional state, means for transmitting the input data and emotional data to the server, means for the server to analyze the received data and emotional data and generate an asset formation plan suitable for the user and advice that takes emotions into consideration, means for transmitting the advice generated from the server and content based on emotions to a terminal and displaying it to the user, means for the user to register for a flat-rate service, means for transmitting registration information to the server and performing payment processing, means for the user to subscribe to an insurance product, means for the server to cooperate with insurance providers and apply discounts and provide notifications, and means for analyzing the user's emotional state in real time using a smart device and providing appropriate information. This allows users to receive an optimal asset formation plan that takes their emotional state into consideration and receive support for planning for their future in real time.

[1388] "Lifestyle" refers to an individual's lifestyle, values, and daily behavior and activities.

[1389] "Life events" refer to important events or turning points in an individual's life, such as marriage, childbirth, education, and old age.

[1390] "Data Entry Means" refers to the means by which a user enters information about their lifestyle and life events into the system.

[1391] "Emotional state" refers to the user's current psychological or emotional state, and is analyzed from the user's facial expressions, voice, etc.

[1392] "Emotion analysis means" refers to a means for recognizing a user's emotional state by analyzing their facial expressions, voice, etc.

[1393] "Server" refers to the central computer system that analyzes data and provides advice and information to users.

[1394] An "asset formation plan" refers to a plan for how to accumulate and manage assets in order to achieve the user's future lifestyle and goals.

[1395] "Advice" refers to advice or suggestions provided based on a user's data and emotional state.

[1396] "Content" refers to information, entertainment, educational materials, etc. that match the user's emotional state.

[1397] "Flat-rate service" refers to a service that is provided to a user on an ongoing basis for a fixed fee.

[1398] "Payment processing means" refers to the means by which a user processes payments for services or products.

[1399] "Insurance provider" refers to an institution that provides insurance products to users and handles the application procedures.

[1400] "Discount Application Method" means a method for discounting the price of a service or product provided to a User under certain conditions.

[1401] "Smart devices" refer to internet-connected devices used by users, particularly those equipped with emotion analysis and display functions.

[1402] This invention is a system that aims to support future design that takes into account the user's emotional state. The system consists of the following main components: a user terminal, a server, an emotion analysis engine, and a smart device.

[1403] Users use smart devices to input information about their lifestyle and life events. The devices are equipped with a camera and microphone, which enables emotion analysis to analyze the user's facial expressions and voice. Emotion analysis is performed using software such as OpenCV and the SpeechRecognition library.

[1404] When a user enters information, the device collects the data and sends it to a server along with emotional state data. This communication is carried out via security protocols such as HTTPS. The server analyzes the received data and generates optimal asset formation plans and insurance product advice taking into account the user's emotional state. AI technology is used for the analysis, and a generative AI model is used to provide appropriate advice.

[1405] The generated advice and content that takes into account the user's emotions are sent from the server to the terminal and displayed on the smart device screen, allowing the user to receive advice tailored to their emotional state in real time.

[1406] As a concrete example, consider the case where a user wears a smart device and inputs "marriage" as a future life event. At this time, the emotion analysis engine recognizes from the user's facial expression that they are feeling stressed. Based on this information, the server proposes an asset formation plan that provides a sense of security related to marriage, and also provides content related to relaxation. Specific advice such as "ways to relax to reduce stress" is displayed on the user's screen.

[1407] The following is an example of a prompt sentence:

[1408] "Tell me about future life events"

[1409] "How are you feeling right now?"

[1410] "Are there any situations that make you feel stressed?"

[1411] This system allows users to receive advice tailored to their emotional state, allowing them to plan for the future with greater peace of mind.

[1412] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1413] Step 1:

[1414] A user launches the application using a smart device and inputs information about future lifestyles and life events using voice or touch input, including information about marriage, childbirth, and retirement living expenses.

[1415] Input: Information about the user's life events

[1416] Data processing: Converting voice input into text data using voice recognition technology

[1417] Output: Life event information in text format

[1418] Step 2:

[1419] The emotion analysis engine analyzes the user's emotional state in real time by capturing facial expressions with the camera and collecting audio with the microphone, and then using emotion analysis software (OpenCV, SpeechRecognition) to recognize the user's emotional state.

[1420] Input: User facial expression and audio data

[1421] Data processing: Identifying emotional states through facial expression and voice analysis

[1422] Output: Emotional state data (e.g., stress, relief, etc.)

[1423] Step 3:

[1424] The device sends the entered life event information and emotional state data to the server, where the data is packaged and sent using a security protocol such as HTTPS.

[1425] Input: Life event information and emotional state data in text format

[1426] Data processing: data packaging and encryption

[1427] Output: Data sent to the server

[1428] Step 4:

[1429] The server analyzes the received life event information and emotional state data, and generates the optimal asset formation plan for the user, as well as advice and content that takes emotions into consideration. This analysis is performed using a generative AI model.

[1430] Input: Life event information and emotional state data sent to the server

[1431] Data processing: Data analysis and advice generation using generative AI models

[1432] Output: Wealth planning and advice, content

[1433] Step 5:

[1434] The server sends the generated advice and content to the terminal and displays it on the user's smart device.

[1435] Input: Server-generated advice and content

[1436] Data processing: Packaging and sending data

[1437] Output: Display data to smart device

[1438] Step 6:

[1439] When a user registers for a flat-rate service, the device collects registration information and sends it to the server, which processes the payment based on that information and notifies the user of the results.

[1440] Input: User registration information

[1441] Data processing: Payment processing and result notification

[1442] Output: Notification of payment result

[1443] Step 7:

[1444] If the user is interested in signing up for an insurance product, the device displays the details and proceeds with the application. The server then contacts the insurance provider to apply for discounts and notify the user of the application.

[1445] Input: User subscription information

[1446] Data processing: Insurance provider notification and discount application

[1447] Output: Notification of enrollment results

[1448] 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.

[1449] 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.

[1450] 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.

[1451] [Fourth embodiment]

[1452] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[1453] 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.

[1454] 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).

[1455] 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.

[1456] 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.

[1457] 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).

[1458] 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.

[1459] 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.

[1460] 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.

[1461] 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.

[1462] 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.

[1463] 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.

[1464] 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."

[1465] The present invention is a system for supporting individuals' future planning. This system allows users to input data about their future lifestyles and life events, and provides optimal asset formation plans and insurance products based on that data. Specific embodiments of the present invention are described below.

[1466] Overall system configuration

[1467] The system consists of three main components: the user terminal, the server, and the user. The user inputs data using the terminal, and the server analyzes the data to generate advice, which is then sent to the terminal and displayed to the user.

[1468] System Operation

[1469] 1. User Actions

[1470] Users launch the application on their devices and enter information about their future lifestyle and life events. Entry items include marriage, childbirth, children's education fees, and retirement living expenses. These items are displayed on an entry screen, and users enter information for each item.

[1471] 2. Data transmission

[1472] Once the user has completed their entry and clicked the submit button, the device sends the entered data to the server, where it is packaged in the appropriate format and sent via a security protocol.

[1473] 3. Analysis on the server

[1474] The server analyzes the received data and generates an asset formation plan based on the user's desired lifestyle and life events, taking into account the user's current financial situation, expected future income, expenses, etc.

[1475] 4. Generating Advice

[1476] Based on the analysis results, the server generates specific advice and suggestions for the user, such as suitable insurance products, specific savings plans, and investment strategies.

[1477] 5. Providing advice

[1478] The generated advice is sent from the server to the device, where it is displayed. The user can review this advice and use it as a basis for considering specific actions.

[1479] 6. Subscription Service Registration

[1480] When a user wants to sign up for a flat-rate service, the device collects the user's registration information and sends it to the server. The server receives the information and processes the payment. During this process, the user enters the necessary information and the flat-rate payment procedure is completed.

[1481] 7. Insurance product enrollment and discounts

[1482] If the user decides to subscribe to the proposed insurance product, the device will display the details. Once the user decides to subscribe and proceeds, the device will send the information to the server. The server will then contact the insurance company and notify them of the subscription information and the 1% discount. The server will then send the processing results to the device, which will then notify the user.

[1483] Specific scenario examples

[1484] Tanaka decided to use the "My Financial Plan" app to plan his future lifestyle. He launched the app and proceeded to the lifestyle input screen. There, he entered information such as "planned marriage," "education expenses for two children," "retirement at age 60," and "living expenses in retirement." When he was finished entering information, he clicked the "Submit" button.

[1485] The device sent this data to the server, which then received it and began analyzing it. After a few seconds, the server created an optimal asset formation plan for Mr. Tanaka and sent specific advice to the device, including "specific insurance products for education expenses," "the amount of savings needed for retirement," and "the optimal investment plan at this stage."

[1486] Tanaka checked the displayed advice and became interested in the insurance product for education expenses. He opened the details page and completed the enrollment procedure. The device sent the enrollment information to the server, and the server linked with the insurance company to apply the discount and confirm the enrollment. The device displayed that the discount had been applied, so Tanaka enrolled in the insurance with peace of mind.

[1487] In this way, the system of the present invention provides specific and effective help to resolve the future anxieties that users face.

[1488] The processing flow will be explained below.

[1489] Step 1:

[1490] Users launch the "My Financial Plan" app on their smartphone or computer.

[1491] Step 2:

[1492] The device will display the app's home screen and present the user with menus such as "Enter lifestyle information" and "Register for flat-rate services."

[1493] Step 3:

[1494] The user selects the "Lifestyle Input" menu and proceeds to the input screen.

[1495] Step 4:

[1496] The device displays questions to the user about their future lifestyle and life events (e.g., marriage, childbirth, tuition fees, retirement expenses, etc.).

[1497] Step 5:

[1498] The user enters the required information for each question and clicks the "Submit" button.

[1499] Step 6:

[1500] The terminal packages the data entered by the user and sends it to the server through a security protocol.

[1501] Step 7:

[1502] The server analyzes the received data and generates an asset formation plan based on the user's desired lifestyle and life events.

[1503] Step 8:

[1504] The server creates specific advice (e.g., suitable insurance products, savings plans, investment strategies, etc.) from the generated asset formation plan.

[1505] Step 9:

[1506] The server packages the generated advice and sends it to the terminal.

[1507] Step 10:

[1508] The terminal displays the advice received from the server to the user.

[1509] Step 11:

[1510] The user reviews the displayed advice and opens the details page of the insurance product that interests them.

[1511] Step 12:

[1512] The terminal displays detailed information about insurance products and assists with the enrollment process.

[1513] Step 13:

[1514] The user enters the necessary information to subscribe to the insurance product and clicks the subscribe button.

[1515] Step 14:

[1516] The device packages the user's subscription information and sends it to the server through a security protocol.

[1517] Step 15:

[1518] The server connects with the insurance company, verifies the user's membership information, and applies a 1% discount.

[1519] Step 16:

[1520] The server notifies the insurance company and sends the result to the terminal.

[1521] Step 17:

[1522] The terminal displays to the user the notification received from the server that subscription has been completed and that the discount has been applied.

[1523] Step 18:

[1524] Users can confirm that the discount has been applied and purchase insurance with peace of mind.

[1525] Step 19:

[1526] When a user registers for a flat-rate service, the device displays a screen for entering registration information.

[1527] Step 20:

[1528] The user enters their registration information and clicks the "Register" button.

[1529] Step 21:

[1530] The terminal packages the entered registration information and transmits it to the server.

[1531] Step 22:

[1532] The server receives the registration information and processes the payment.

[1533] Step 23:

[1534] The server notifies the terminal that the payment has been completed.

[1535] Step 24:

[1536] The device will display a notification to the user that registration for the flat-rate service has been completed.

[1537] Example 1

[1538] 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."

[1539] In today's society, choosing an asset formation plan or insurance product that suits each individual's life events and lifestyle is a difficult task. Because users are particularly prone to anxiety about their future lifestyles, a system that can provide appropriate advice effectively and efficiently is needed. There is also a need for a method that allows users to easily sign up for flat-rate services and smoothly apply the associated discounts.

[1540] 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.

[1541] In this invention, the server includes means for inputting data regarding the user's lifestyle and future events, means for transmitting the input data to a central processing unit, means for the central processing unit to analyze the received data and generate an asset formation plan suitable for the user, means for transmitting the advice generated by the central processing unit to a terminal and displaying it to the user, means for the user to register for a flat-rate service, means for transmitting registration information to the central processing unit and performing payment processing, means for the user to subscribe to an insurance product, and means for the central processing unit to cooperate with insurance providers to apply discounts and provide notifications. This allows users to eliminate anxiety about their future life planning, efficiently select an appropriate asset formation plan or insurance product, easily register for the flat-rate service, and enjoy the benefits thereof.

[1542] "User" refers to an individual who uses the system, inputs information about future lifestyles and life events, and receives appropriate advice.

[1543] "Lifestyle" is a concept that encompasses a user's lifestyle, habits, living environment, future plans, etc.

[1544] "Future events" are life events that users predict will occur in the future, including marriage, childbirth, children's further education, retirement, and living expenses in old age.

[1545] "Data" refers to a collection of information entered by users about their lifestyle and future events.

[1546] "Central Processing Unit" refers to the Zentrale computer or server that analyzes data, generates wealth plans, and coordinates with insurance providers in the system.

[1547] "Server" refers to a computer system that receives and analyzes user input data, generates advice, transmits the advice to a terminal, and cooperates with insurance providers.

[1548] An "asset formation plan" is an optimal asset formation plan, investment strategy, and savings plan generated by the server based on the user's lifestyle and future events.

[1549] "Advice" refers to advice or suggestions provided to users by the server based on the analysis results, including specific insurance products, specific savings plans, investment strategies, etc.

[1550] "Terminal" refers to a device operated by a user to access the system and input / receive information, including smartphones, tablets, and PCs.

[1551] "Flat-fee service" refers to a continuous service provided in exchange for a fixed fee paid by the user.

[1552] "Payment processing" refers to the payment processing carried out when a user registers for a flat-rate service.

[1553] "Insurance Product" refers to an insurance contract offered to provide risk hedging or compensation for a User's life events.

[1554] "Insurance provider" refers to a company or organization that offers insurance products, including insurance companies.

[1555] "Integration" refers to the system exchanging and processing data with insurance providers.

[1556] The present invention is a system designed to support individuals' future planning. This system allows users to input data about their future lifestyles and life events, and provides optimal asset formation plans and insurance products based on that data. Specific embodiments for implementing the present invention are described below.

[1557] Overall system configuration

[1558] The system consists of three main components: the user terminal, the server, and the user. The user uses the terminal to input data, and the server analyzes the data to generate advice, which is then sent to the terminal and displayed to the user.

[1559] Hardware and software used

[1560] User devices: smartphones, tablets, computers, etc.

[1561] Server: Cloud service (e.g., Amazon Web Services, Microsoft Azure, etc.)

[1562] Software: User interface application, server-side data analysis program (e.g. Python, Java, etc.), security protocol (SSL / TLS)

[1563] System Operation

[1564] 1. User Actions

[1565] Users launch the application on their devices and enter information about their future lifestyle and life events. Entry items include marriage, childbirth, children's education fees, and retirement living expenses. These items are displayed on an entry screen, and users enter information for each item.

[1566] 2. Data transmission

[1567] When the user completes the input and clicks the submit button, the terminal packages the input data in the appropriate format and sends it to the server via a security protocol (SSL / TLS).

[1568] 3. Analysis on the server

[1569] The server analyzes the received data and generates a wealth formation plan based on the user's desired lifestyle and life events. This analysis takes into account the user's current financial situation, expected future income, expenses, etc. A generative AI model is used for the analysis.

[1570] 4. Generating Advice

[1571] Based on the analysis results, the server generates specific advice and suggestions for the user, such as suitable insurance products, specific savings plans, and investment strategies, using a generative AI model.

[1572] 5. Providing advice

[1573] The generated advice is sent from the server to the device, where it is displayed. The user can review this advice and use it as a basis for considering specific actions.

[1574] 6. Subscription Service Registration

[1575] When a user wants to sign up for a flat-rate service, they enter the necessary information into a dedicated input form. The device sends this registration information to the server, which then processes the payment. The user then enters their payment method, such as credit card information.

[1576] 7. Insurance product enrollment and discounts

[1577] If the user is interested in the proposed insurance product and wishes to apply for it, the device will display the details. The user enters the necessary information into the application form and clicks the submit button. The device then sends this information to the server, which then works with the insurance provider to apply the discount and confirm the application. The results of the discount application are sent to the device and the user is notified.

[1578] Example: User Case

[1579] A user decides to use a "Financial Planning" app to plan their future lifestyle. The user launches the app, goes to the lifestyle input screen, and enters information such as "plans for marriage," "education expenses for two children," "retirement at age 60," and "living expenses in old age." When the user has finished entering information, they click the "Submit" button.

[1580] The device then sent this data to the server, which then began analyzing it. After a few seconds, the server generated an optimal asset formation plan for the user and sent specific advice to the device, including specific insurance products for education expenses, the amount of savings needed for retirement, and the optimal investment plan for the current stage.

[1581] The user checked the displayed advice and became interested in an insurance product for education expenses. He opened the details page and completed the enrollment procedure. The device sent the enrollment information to the server, and the server worked with the insurance provider to apply the discount and confirm the enrollment. The device displayed that the discount had been applied, allowing the user to enroll in the insurance with peace of mind.

[1582] Prompt Sentence Examples

[1583] Here are some example prompts to input to the generative AI model:

[1584] I would like to build a system that provides optimal asset formation plans and insurance products based on the data entered by users. Please tell me the specific processing steps for this system.

[1585] As described above, the system of the present invention relieves users of their anxieties about their future life planning and provides support for efficiently selecting appropriate asset formation plans and insurance products.

[1586] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1587] Step 1:

[1588] The user launches the "Financial Planning" app on their device and enters their ID and password on the login screen.

[1589] Input: User ID and password

[1590] Output: User authentication result

[1591] Specific operation: The terminal sends the ID and password entered by the user to the server, which then compares them with the database for authentication. If authentication is successful, the terminal displays the main menu screen.

[1592] Step 2:

[1593] Users go to the lifestyle input screen from the main menu and enter information about their future lifestyle and life events.

[1594] Input: Information about the user's lifestyle and life events (e.g., marriage plans, children's education expenses, retirement, and post-retirement living expenses)

[1595] Output: Lifestyle information data entered by the user

[1596] Specific operation: The device temporarily stores the information entered by the user for each input field. When the input is complete, the user clicks the "Submit" button.

[1597] Step 3:

[1598] When the user clicks the "Submit" button, the terminal packages the entered data in an appropriate format (e.g., JSON format) and sends it to the server via a security protocol (SSL / TLS).

[1599] Input: Formatted lifestyle information data

[1600] Output: Data sent to the server

[1601] How it works: The device encrypts the data and sends it over the internet to a server, which receives it, decrypts it, and stores it in a database.

[1602] Step 4:

[1603] The server takes in the received data and stores it in a database. It then runs an analysis program to analyze the received data.

[1604] Input: User's lifestyle information data

[1605] Output: Analyzed data, user's financial situation assessment

[1606] Specific operation: The server analyzes the stored data, taking into account the user's current financial situation, expected future income, expenses, etc. It uses an analysis algorithm written in Python, Java, etc.

[1607] Step 5:

[1608] The server uses a generative AI model to generate an optimal asset formation plan based on the analysis results, and also creates specific advice and proposals.

[1609] Input: Parsed data, generative AI model

[1610] Output: Wealth building plan, specific advice and suggestions

[1611] What it does: The generative AI model generates advice and recommendations for the user (e.g. suitable insurance products, savings plans, investment strategies, etc.), formats them, and saves them.

[1612] Step 6:

[1613] The server sends the generated advice to the device, which receives it and displays it to the user.

[1614] Input: Wealth formation plan, specific advice and suggestions

[1615] Output: Advice displayed to the user

[1616] Specific operation: The server sends advice to the device, which receives it and displays it in a format that is easy for the user to understand.

[1617] Step 7:

[1618] When a user wants to register for a flat-rate service, they enter the necessary information into a dedicated input form. The device then sends the registration information to the server, which then processes the payment.

[1619] Input: Subscription service registration information, payment information (credit card, etc.)

[1620] Output: Notification of subscription completion, notification of payment completion

[1621] Specific operation: The terminal receives the user's registration information and payment information and sends them to the server. The server processes the payment through the payment gateway and notifies the terminal of the result.

[1622] Step 8:

[1623] If the user chooses to subscribe to the proposed insurance product, the device will display the details and prompt the user to enter the necessary information. Once the user completes the subscription process, the device will send it to the server, which will then work with the insurance provider to apply the discount and confirm the subscription.

[1624] Input: Insurance product information

[1625] Output: Notification of insurance product enrollment completion, notification of discount application

[1626] Specific operation: The terminal sends the insurance product information entered by the user to the server. The server then forwards the information to the insurance provider and checks whether the discount is applied. The result is sent to the terminal and notified to the user.

[1627] (Application example 1)

[1628] 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."

[1629] Today's busy lives make it difficult for users to find asset formation plans and financial products that suit their future lifestyles and life events. Furthermore, there are limited tools available to make this process easy and efficient. Furthermore, there is a lack of systems that allow users to input necessary information and obtain advice in an intuitive manner, independent of specific devices or applications. In particular, while systems that utilize smart devices and wearable devices have great potential, the lack of solutions that effectively utilize them is a major challenge.

[1630] 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.

[1631] In this invention, the server includes: means for inputting data related to the user's lifestyle and life events; means for transmitting the input data to the server; means for the server to analyze the received data and generate an asset formation plan suitable for the user using a generative AI model; means for transmitting the generated advice to a display device and visually displaying it to the user; means for the user to register for a flat-rate service; means for transmitting registration information to the server and performing payment processing; means for the user to subscribe to financial products; means for the server to link with an external system and apply discounts and provide notifications; means for the user to input data by voice input or gesture input using a smart wearable device; and means for providing the generated advice visually on a head-mounted display, thereby enabling the user to intuitively and efficiently input their future life plan and receive appropriate advice.

[1632] "Users" are individuals who use this system to input information about their future lifestyles and life events and receive an appropriate asset formation plan.

[1633] "Lifestyle" refers to the user's lifestyle and important events throughout their life, such as marriage, childbirth, children's education fees, and living expenses in retirement.

[1634] "Life events" are important events in a user's life, such as marriage, childbirth, children's education, and retirement.

[1635] "Data" means information related to a user's lifestyle and life events, and materials necessary to generate an asset formation plan.

[1636] "Input means" refers to a device or method that allows a user to input information, including the use of smart devices and wearable devices.

[1637] A "server" is a computer system that receives and analyzes data sent by users and generates appropriate asset formation plans and advice.

[1638] "Means for analysis" refers to the method by which the server uses the received data to generate an asset formation plan suitable for the user, including a generating AI model and other analytical algorithms.

[1639] The "means for generating" is a method by which the server generates an asset formation plan and advice based on the analysis results.

[1640] The "display means" refers to a device or method for visually displaying the advice sent from the server to the user, and includes a head-mounted display, smart glasses, etc.

[1641] "Flat-fee service" refers to a service that users use by paying a fixed fee, and in this system means a service that includes the provision of asset formation plans and related advice.

[1642] "Payment processing means" means a method for processing payments when a user registers for a service, including technology that ensures secure and efficient payments.

[1643] "Financial products" are products that users use for asset formation and insurance, and in this system refer to the optimal insurance products and savings plans.

[1644] The "means of collaboration, discount application and notification" refers to the method by which the server communicates with external financial institutions and insurance companies, confirms the application of discounts, and notifies the user.

[1645] A "smart wearable device" is a device worn by the user that allows information to be input through voice or gesture input.

[1646] A "head-mounted display" is a device that a user wears on their head to display visual information, and is used to display advice from the server.

[1647] The present invention is a system that allows users to input information about their future lifestyles and life events, and provides optimal asset formation plans and financial products based on this information. The implementation of this system involves the following major components and operations:

[1648] Overall system configuration

[1649] The system consists of three main components: the user's device (including smart wearable devices), a server, and an external system. The user enters information using the device and sends it to the server. The server analyzes the data, generates an optimal asset formation plan and advice, and sends it to the user's device. The server also interacts with external systems as needed to handle processes such as applying discounts to financial products.

[1650] System Operation

[1651] 1. User Actions

[1652] Users put on smart wearable devices (e.g., smart glasses) and input information about their lifestyle and life events using voice or gesture input. Input content includes marriage plans, children's education expenses, retirement plans, and retirement living expenses. This operation is intuitive, allowing users to input data easily.

[1653] 2. Data transmission

[1654] Once the user has completed the input, the device converts the input data into the appropriate format and sends it to the server, which includes packaging the data and sending it through security protocols.

[1655] 3. Analysis on the server

[1656] The server analyzes the received data and generates a wealth formation plan based on the user's lifestyle and life events. This analysis uses a machine learning model (generative AI model), which takes into account the user's current financial situation, expected future income, expenses, etc.

[1657] 4. Generating Advice

[1658] Based on the analysis results, the server generates specific advice and recommendations for the user, such as suitable insurance products, specific savings plans, investment strategies, etc. The generated advice is sent to the user's device.

[1659] 5. Providing advice

[1660] The generated advice is displayed on the user's head-mounted display (HMD) or smart glasses, allowing the user to review the advice and choose their next course of action.

[1661] Hardware and software used

[1662] Smart wearable devices: Devices that allow voice and gesture input (e.g., smart glasses).

[1663] Server: A computer system (e.g., AWS, Google Cloud) that analyzes data and generates advice.

[1664] Generative AI model: Uses machine learning algorithms to analyze data and generate the best plan for the user.

[1665] Head-mounted display (HMD): A device for visually presenting generated advice to the user.

[1666] Examples of concrete examples and prompts

[1667] As a concrete example, consider a scenario in which a user puts on smart glasses and voice-inputs information such as "I plan to get married in 2024, my education expenses for my two children will be 5 million yen, I plan to retire at 60, and my living expenses after retirement will be 20 million yen." The smart glasses collect this information and send it to the server, and after a few seconds, the optimal insurance product, savings plan, and investment strategy will be displayed on the screen.

[1668] An example prompt is:

[1669] Enter information about your future life events, including your planned marriage, your children's education expenses, retirement plans, and retirement living expenses.

[1670] example:

[1671] Planned marriage date: 2024

[1672] Educational expenses for two children: 5 million yen

[1673] Planned retirement age: 60

[1674] Living expenses in retirement: 20 million yen

[1675] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1676] Step 1:

[1677] Users wear smart wearable devices (e.g., smart glasses) and input information about their lifestyle and life events using voice or gesture input, such as marriage plans, children's education expenses, retirement plans, and retirement living expenses.

[1678] Input: User-initiated voice or gesture input

[1679] Output: A dataset of lifestyle and life event information based on the input.

[1680] Step 2:

[1681] The device receives the information entered by the user and converts it into an appropriate data format (e.g., JSON), which prepares the data so that it can be sent to the server.

[1682] Input: A dataset of lifestyle and life event information entered

[1683] Output: Formatted data (e.g. JSON)

[1684] Step 3:

[1685] The device sends the formatted data to the server using a security protocol (e.g. HTTPS), where the data is encrypted and transmitted securely.

[1686] Input: Formatted data (e.g. JSON format)

[1687] Output: Notify the server that data has been sent

[1688] Step 4:

[1689] The server analyzes the received data and uses a generative AI model to perform calculations to generate an asset formation plan that matches the user's desired lifestyle and life events. The analysis takes into account the user's current financial situation, expected future income, expenses, etc.

[1690] Input: Received data (e.g., JSON format)

[1691] Output: Analysis results (dataset of optimal asset formation plans and advice)

[1692] Step 5:

[1693] The server generates specific advice and recommendations for the user based on the generated analysis results, including suitable insurance products, specific savings plans, investment strategies, etc. The generated advice is then converted back into an appropriate format.

[1694] Input: Analysis results (dataset of optimal asset formation plans and advice)

[1695] Output: A dataset of generated advice

[1696] Step 6:

[1697] The server then transmits the generated advice dataset to the device, again in encrypted form via a security protocol.

[1698] Input: A dataset of generated advice

[1699] Output: Notification of completion of data transmission to the terminal

[1700] Step 7:

[1701] The device visually displays the received advice to the user, who can then check it on the display of a head-mounted display (HMD) or smart glasses.

[1702] Input: Dataset of received advice

[1703] Output: Visual advice displayed to the user

[1704] Step 8:

[1705] When the user selects a suggested action (e.g., signing up for a specific insurance product or selecting an investment plan), the selection information is sent back to the server via the device, along with registration and payment information, for processing.

[1706] Input: User choices and registration information

[1707] Output: Notification of completion of sending selection information and registration information to the server

[1708] Step 9:

[1709] The server then connects with the necessary external systems (e.g., insurance companies, financial institutions) based on the received user selection information and processes the discount. If a discount is applicable, it confirms the discount and applies it, and notifies the user's device of the result.

[1710] Input: User selection and registration information

[1711] Output: Notification of completion of sending of processing results to the terminal

[1712] Through the above processing steps, the user can intuitively and efficiently input their future life plans and receive optimal advice.

[1713] 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.

[1714] This invention is a system for supporting individuals' future planning, and in particular, it combines an emotion engine that recognizes the user's emotional state and provides the optimal asset formation plan. In this system, the user inputs data about their future lifestyle and life events, and based on that, the server provides the optimal asset formation plan and insurance products, as well as advice and content that takes the user's emotional state into consideration.

[1715] Overall system configuration

[1716] The system consists of the following main components: a user terminal, a server, an emotion engine, and a user. The user inputs data using the terminal, the emotion engine recognizes the emotion at that time, and the server analyzes the data and the emotional state to generate advice, which is sent to the terminal and displayed to the user.

[1717] System Operation

[1718] 1. User Actions

[1719] Users launch the application on their device and input information about their future lifestyle and life events, including marriage, childbirth, children's tuition fees, and retirement living expenses. While the user is inputting information, the emotion engine analyzes the user's facial expressions and voice to recognize their emotional state.

[1720] 2. Sending data and emotion data

[1721] Once the user has completed entering data and clicked the submit button, the device sends the entered data and emotion data to the server, where it is packaged in a suitable format and sent via a security protocol.

[1722] 3. Analysis on the server

[1723] The server analyzes the received data and emotional data. The server takes the user's emotional state into account when generating an asset formation plan based on the user's desired lifestyle and life events. For example, if the user is feeling stressed, the server will prioritize advice and suggestions that will provide more reassurance.

[1724] 4. Generating Advice

[1725] Based on the analysis results, the server generates specific advice and suggestions for the user, such as suitable insurance products, specific savings plans, and investment strategies, taking into consideration the results of the emotion engine.

[1726] 5. Providing Advice and Content

[1727] The generated advice is sent from the server to the device, which then displays it to the user, along with content that provides stress relief and a sense of security that matches the user's emotional state.

[1728] 6. Subscription Service Registration

[1729] When a user wants to sign up for a flat-rate service, the device collects the user's registration information and sends it to the server. The server receives the information and processes the payment. During this process, the user enters the necessary information and the flat-rate payment procedure is completed.

[1730] 7. Insurance product enrollment and discounts

[1731] If the user decides to subscribe to the proposed insurance product, the device will display the details. Once the user decides to subscribe and proceeds, the device will send the information to the server. The server will then contact the insurance company and notify them of the subscription information and the 1% discount. The server will then send the processing results to the device, which will then notify the user.

[1732] Specific scenario examples

[1733] Yamada decided to use the "My Financial Plan" app to plan his future lifestyle. He launched the app, went to the lifestyle input screen, and began entering his future plans. While he was entering his plans, the emotion engine analyzed his facial expressions and voice and recognized that he was feeling somewhat stressed.

[1734] After inputting the information and clicking the "Send" button, the device sent the data and emotional data to the server. The server then analyzed the received data, took the user's stress level into account, and generated advice and suggestions to help them feel more at ease. For example, Yamada was offered an insurance product that guaranteed a stable income, as well as information on relaxation activities.

[1735] Yamada checked the displayed advice and became interested in a particular insurance product. He opened the details page and completed the application process. The device sent the application information to the server, which then contacted the insurance company to apply the discount and confirm the application. The device displayed a message that the discount had been applied, allowing Yamada to apply for insurance with peace of mind.

[1736] In this way, by working in conjunction with the emotion engine, the system of the present invention can provide support for future planning that also takes into account the user's emotional state.

[1737] The processing flow will be explained below.

[1738] Step 1:

[1739] Users launch the "My Financial Plan" app on their smartphone or computer.

[1740] Step 2:

[1741] The device will display the app's home screen and present the user with menus such as "Enter lifestyle information" and "Register for flat-rate services."

[1742] Step 3:

[1743] The user selects the "Lifestyle Input" menu and proceeds to the input screen.

[1744] Step 4:

[1745] The device displays questions to the user about their future lifestyle and life events (e.g., marriage, childbirth, tuition fees, retirement expenses, etc.).

[1746] Step 5:

[1747] The user begins to input the required information for each question, while the emotion engine simultaneously analyzes the user's facial expression and voice data in real time to recognize their emotional state.

[1748] Step 6:

[1749] The emotion engine sends the recognized emotional state to the terminal, which prepares it for transmission to the server.

[1750] Step 7:

[1751] The user completes the form and clicks the "Submit" button.

[1752] Step 8:

[1753] The device packages the lifestyle and emotional data entered by the user and transmits it to a server through a security protocol.

[1754] Step 9:

[1755] The server analyzes the received lifestyle and emotion data, taking into account not only the user's desired lifestyle and life events, but also the user's current emotional state.

[1756] Step 10:

[1757] The server generates a wealth planning plan based on the user's data, which includes suggestions that take into account the user's emotions. For example, if the user is feeling stressed, it will suggest insurance products that will give them more peace of mind.

[1758] Step 11:

[1759] The server packages the generated advice with content that corresponds to the user's emotional state (e.g., advice for reducing stress) and sends it to the terminal.

[1760] Step 12:

[1761] The terminal displays the advice and content received from the server to the user.

[1762] Step 13:

[1763] The user reviews the displayed advice and opens the details page of the insurance product that interests them.

[1764] Step 14:

[1765] The terminal displays detailed information about insurance products and assists with the enrollment process.

[1766] Step 15:

[1767] The user enters the necessary information to subscribe to the insurance product and clicks the subscribe button.

[1768] Step 16:

[1769] The device packages the user's subscription information and sends it to the server through a security protocol.

[1770] Step 17:

[1771] The server connects with the insurance company, verifies the user's membership information, and applies a 1% discount.

[1772] Step 18:

[1773] The server notifies the insurance company and sends the result to the terminal.

[1774] Step 19:

[1775] The terminal displays to the user the notification received from the server that subscription has been completed and that the discount has been applied.

[1776] Step 20:

[1777] Users can confirm that the discount has been applied and sign up for insurance with peace of mind.

[1778] Step 21:

[1779] When a user registers for a flat-rate service, the device displays a screen for entering registration information.

[1780] Step 22:

[1781] The user enters their registration information and clicks the "Register" button.

[1782] Step 23:

[1783] The terminal packages the entered registration information and transmits it to the server.

[1784] Step 24:

[1785] The server receives the registration information and processes the payment.

[1786] Step 25:

[1787] The server notifies the terminal that the payment has been completed.

[1788] Step 26:

[1789] The device will display a notification to the user that registration for the flat-rate service has been completed.

[1790] Example 2

[1791] Next, a description will be given of Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the robot 414 will be referred to as a "terminal."

[1792] Conventional asset formation plan provision systems provide a uniform plan without considering the user's emotional state, which makes it difficult to reduce stress and anxiety for users. In addition, the procedures for registering for flat-rate services and enrolling in insurance products are complicated, making it cumbersome for users.

[1793] 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.

[1794] In this invention, the server includes means for inputting data related to the user's lifestyle and life events, means for transmitting the input data to the server, means for recognizing the user's emotional state using an emotion engine, means for the server to analyze the received data and emotional data and generate an asset formation plan suitable for the user, means for transmitting content based on the advice and emotional state generated from the server to a terminal and displaying it to the user, means for the user to register for a flat-rate service, means for transmitting registration information to the server and performing payment processing, means for the user to subscribe to an insurance product, and means for the server to cooperate with an insurance company to apply discounts and provide notifications. This makes it possible to provide personalized advice that takes the user's emotional state into consideration and simplify the procedures for registering for a flat-rate service and subscribing to insurance products.

[1795] "Data regarding the user's lifestyle and life events" refers to information about life changes and important events that the user may face in the future, such as marriage, childbirth, children's education fees, and living expenses in retirement.

[1796] "Means for transmitting input data to a server" refers to a mechanism by which the terminal packages the information input by the user in an appropriate format and transmits it to the server via a security protocol (e.g., SSL / TLS).

[1797] An "emotion engine" is a software or hardware system that recognizes a user's emotional state in real time by analyzing the user's facial expressions and voice.

[1798] "Means for analyzing received data and emotional data and generating an asset formation plan suited to the user" refers to an analytical processing and plan generation mechanism that uses the lifestyle data and emotional data received by the server from the user to propose optimal savings plans, insurance products, investment strategies, etc.

[1799] "Means for transmitting advice generated by a server and content based on an emotional state to a terminal and displaying it to a user" refers to a mechanism for transmitting personalized advice generated by a server and relaxation content according to an emotional state to a terminal and displaying it to a user.

[1800] "Means for users to register for flat-rate services" refers to a mechanism in which a terminal accepts a request from a user to register for flat-rate services, provides a user interface for inputting necessary information, and transmits that information to a server.

[1801] "Means for transmitting registration information to a server and processing payment" refers to a system in which a terminal transmits the user's flat-rate service registration information to a server, and the server then performs the necessary payment processing.

[1802] The "means by which a user can subscribe to an insurance product" refers to a user interface that displays detailed information about the proposed insurance product to the user on the terminal and that supports the subscription process.

[1803] "Means for the server to work with the insurance company to apply discounts and notify" refers to a mechanism in which the server communicates with the insurance company's system, sends the user's subscription information, and notifies the user of the process of confirming the application of discounts to insurance products and the results.

[1804] This invention is a system that supports individuals' future planning and combines an emotion engine that recognizes the user's emotional state and provides optimal asset formation plans. The user inputs data about their future lifestyle and life events, and the server then provides optimal plans and insurance products based on that data. It also provides advice and content that takes the user's emotional state into account.

[1805] The overall system consists of the following main components: a user terminal, a server, and an emotion engine. The user inputs data using the terminal, and the emotion engine recognizes the emotion at that time. The server analyzes the data and the user's emotional state, generates advice, and sends it to the terminal for display to the user.

[1806] Hardware and software used

[1807] In terms of hardware, the device used by the user (e.g., PC, smartphone, tablet) must be equipped with a camera and microphone, which allows the emotion engine to analyze facial expressions and voice. On the server side, an AI engine and database for data analysis are required.

[1808] As for software, OpenFace or Microsoft's Azure Emotion API can be used for the emotion engine, while an AI analysis engine written in Python or R can be used for data analysis. Security protocols such as SSL / TLS are used to securely transmit and receive data between the server and the device.

[1809] Specific examples

[1810] When a user launches the "Future Planning Support System" app, the home screen appears. The user clicks the "Enter Lifestyle" button and enters information such as marriage, childbirth, children's tuition fees, and retirement living expenses. For example, a user might enter information such as "I plan to get married at age 35," "I have two children," and "I hope to spend 200,000 yen a month on retirement living expenses." During this input process, the device's built-in camera and microphone collect the user's facial expressions and voice in real time, which is analyzed by an emotion engine to recognize the user's emotional state.

[1811] After completing the input, clicking the "Send" button will cause the device to send the input data and emotional data to the server using SSL / TLS. The server then stores the received data in a database and processes it using an AI analysis engine. For example, the server not only generates an optimal asset formation plan based on the information entered by the user, but also creates advice that provides peace of mind by taking into account the user's emotional state.

[1812] The advice generated by the server is sent to the user's device and displayed. For example, specific advice such as "Based on your plan to get married at age 35, prenuptial insurance and investment planning are appropriate" may be displayed. If the system detects that the user is feeling stressed, it may also display content such as "suggestions for relaxing yoga and mindfulness."

[1813] If a user wishes to sign up for a flat-rate service, they enter the required information on the registration screen and click the "Register" button. The device then sends the information to the server, which then processes the payment. If the user wishes to sign up for the proposed insurance product, they confirm the details and complete the enrollment process. The device then sends the information to the server, which then works with the insurance company to complete the enrollment process.

[1814] Prompt Sentence Examples

[1815] "Enter information about your future lifestyle and life events. For example, marriage, childbirth, children's education expenses, retirement living expenses, etc. As you enter information, the emotion engine will analyze your facial expressions and voice to recognize your emotional state. Once you've finished entering information, click 'Submit'."

[1816] The above is a mode for carrying out the present invention, which is a system that can provide an optimal personalized asset formation plan while taking into consideration the emotional state of the user.

[1817] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1818] Step 1:

[1819] The user launches the "Future Design Support System" app and the home screen appears.

[1820] Specific operation: The user taps the application icon to launch the app. The login screen appears, so the user enters their user ID and password and clicks "Login."

[1821] Input: User ID, Password

[1822] Output: Home screen displayed after successful login

[1823] Step 2:

[1824] The user clicks the "Enter Lifestyle" button and enters data about their lifestyle and life events.

[1825] Specific operation: When the user clicks the "Enter lifestyle" button, an input screen will appear. Here, the user can enter information such as marriage, childbirth, children's tuition fees, and living expenses in retirement. For example, the user can enter data such as "Planning to get married at age 35," "Having two children," and "Desired monthly living expenses in retirement of 200,000 yen."

[1826] Input: Life event data such as marriage, childbirth, children's school fees, and retirement living expenses

[1827] Output: Data entered by the user

[1828] Step 3:

[1829] While the user is entering information, the emotion engine uses the device's camera and microphone to recognize the user's emotional state.

[1830] How it works: The camera captures the user's face, the microphone records the user's voice, and the emotion engine analyzes facial expressions and tone of voice to assess the user's emotional state.

[1831] Input: User's facial expression data, voice data

[1832] Output: Analyzed emotional state data (e.g., stress, relief, etc.)

[1833] Step 4:

[1834] The user completes the data entry and clicks the "Submit" button. The device sends the input data and emotion data to the server.

[1835] Specific operation: When the user clicks the "Send" button, the device packages the input data and emotion data in JSON format and sends it to the server using SSL / TLS.

[1836] Input: User-entered life event data, emotional state data

[1837] Output: Sending process successful message

[1838] Step 5:

[1839] The server analyzes the received data and generates optimal advice for the user.

[1840] How it works: The server stores the received data in a database, and the AI ​​analysis engine processes it. Specifically, it creates an optimal asset formation plan based on the user's input data, and also incorporates stress reduction measures based on emotional data.

[1841] Input: User's life event data, emotional state data

[1842] Output: Generated wealth planning and emotionally sensitive content

[1843] Step 6:

[1844] The generated advice and content is sent to the device and displayed to the user.

[1845] Specific operation: The server sends the generated advice and content to the device, which then displays the received information on the screen, providing specific advice such as, "Based on your plans to get married at age 35, prenuptial insurance and investment planning are appropriate."

[1846] Input: Generated wealth planning and emotionally sensitive content

[1847] Output: Advice and content displayed to the user

[1848] Step 7:

[1849] When a user registers for a flat-rate service, they enter the necessary information on the registration screen and send it to the server, which then processes the payment.

[1850] Specific operation: The user clicks the "Register for subscription service" button and enters their name, address, and payment information. After clicking the "Register" button, the terminal sends the registration information to the server, which then processes it via the payment gateway.

[1851] Input: User registration information (name, address, payment information, etc.)

[1852] Output: Registration complete message and payment complete message

[1853] Step 8:

[1854] If the user wishes to subscribe to the proposed insurance product, he / she will confirm the details and complete the subscription procedure.

[1855] Specific operation: When the user opens the details page of the insurance product and clicks the "Enroll" button, detailed information is displayed. When the user enters the required information and clicks the "Submit" button, the device sends the information to the server. The server then works with the insurance company to complete the enrollment procedure.

[1856] Input: User's insurance information

[1857] Output: Subscription completion message and discount application confirmation message

[1858] (Application example 2)

[1859] Next, a description will be given of Application Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the robot 414 will be referred to as a "terminal."

[1860] In modern society, individuals need a lot of information when planning for their future, and it is difficult to effectively utilize that information to create optimal asset formation plans. Furthermore, while more appropriate advice could be provided by taking into account the individual's emotional state, current systems do not take this into consideration. There is also a lack of ways to receive real-time support for future planning while shopping in a physical store. A system that can solve these issues is needed.

[1861] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[1862] In this invention, the server includes means for inputting data related to a user's lifestyle and life events, means for analyzing the user's emotional state, means for transmitting the input data and emotional data to the server, means for the server to analyze the received data and emotional data and generate an asset formation plan suitable for the user and advice that takes emotions into consideration, means for transmitting the advice generated from the server and content based on emotions to a terminal and displaying it to the user, means for the user to register for a flat-rate service, means for transmitting registration information to the server and performing payment processing, means for the user to subscribe to an insurance product, means for the server to cooperate with insurance providers and apply discounts and provide notifications, and means for analyzing the user's emotional state in real time using a smart device and providing appropriate information. This allows users to receive an optimal asset formation plan that takes their emotional state into consideration and receive support for planning for their future in real time.

[1863] "Lifestyle" refers to an individual's lifestyle, values, and daily behavior and activities.

[1864] "Life events" refer to important events or turning points in an individual's life, such as marriage, childbirth, education, and old age.

[1865] "Data Entry Means" refers to the means by which a user enters information about their lifestyle and life events into the system.

[1866] "Emotional state" refers to the user's current psychological or emotional state, and is analyzed from the user's facial expressions, voice, etc.

[1867] "Emotion analysis means" refers to a means for recognizing a user's emotional state by analyzing their facial expressions, voice, etc.

[1868] "Server" refers to the central computer system that analyzes data and provides advice and information to users.

[1869] An "asset formation plan" refers to a plan for how to accumulate and manage assets in order to achieve the user's future lifestyle and goals.

[1870] "Advice" refers to advice or suggestions provided based on a user's data and emotional state.

[1871] "Content" refers to information, entertainment, educational materials, etc. that match the user's emotional state.

[1872] "Flat-rate service" refers to a service that is provided to a user on an ongoing basis for a fixed fee.

[1873] "Payment processing means" refers to the means by which a user processes payments for services or products.

[1874] "Insurance provider" refers to an institution that provides insurance products to users and handles the application procedures.

[1875] "Discount Application Method" means a method for discounting the price of a service or product provided to a User under certain conditions.

[1876] "Smart devices" refer to internet-connected devices used by users, particularly those equipped with emotion analysis and display functions.

[1877] This invention is a system that aims to support future design that takes into account the user's emotional state. The system consists of the following main components: a user terminal, a server, an emotion analysis engine, and a smart device.

[1878] Users use smart devices to input information about their lifestyle and life events. The devices are equipped with a camera and microphone, which enables emotion analysis to analyze the user's facial expressions and voice. Emotion analysis is performed using software such as OpenCV and the SpeechRecognition library.

[1879] When a user enters information, the device collects the data and sends it to a server along with emotional state data. This communication is carried out via security protocols such as HTTPS. The server analyzes the received data and generates optimal asset formation plans and insurance product advice taking into account the user's emotional state. AI technology is used for the analysis, and a generative AI model is used to provide appropriate advice.

[1880] The generated advice and content that takes into account the user's emotions are sent from the server to the terminal and displayed on the smart device screen, allowing the user to receive advice tailored to their emotional state in real time.

[1881] As a concrete example, consider the case where a user wears a smart device and inputs "marriage" as a future life event. At this time, the emotion analysis engine recognizes from the user's facial expression that they are feeling stressed. Based on this information, the server proposes an asset formation plan that provides a sense of security related to marriage, and also provides content related to relaxation. Specific advice such as "ways to relax to reduce stress" is displayed on the user's screen.

[1882] The following is an example of a prompt sentence:

[1883] "Tell me about future life events"

[1884] "How are you feeling right now?"

[1885] "Are there any situations that make you feel stressed?"

[1886] This system allows users to receive advice tailored to their emotional state, allowing them to plan for the future with greater peace of mind.

[1887] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1888] Step 1:

[1889] A user launches the application using a smart device and inputs information about future lifestyles and life events using voice or touch input, including information about marriage, childbirth, and retirement living expenses.

[1890] Input: Information about the user's life events

[1891] Data processing: Converting voice input into text data using voice recognition technology

[1892] Output: Life event information in text format

[1893] Step 2:

[1894] The emotion analysis engine analyzes the user's emotional state in real time by capturing facial expressions with the camera and collecting audio with the microphone, and then using emotion analysis software (OpenCV, SpeechRecognition) to recognize the user's emotional state.

[1895] Input: User facial expression and audio data

[1896] Data processing: Identifying emotional states through facial expression and voice analysis

[1897] Output: Emotional state data (e.g., stress, relief, etc.)

[1898] Step 3:

[1899] The device sends the entered life event information and emotional state data to the server, where the data is packaged and sent using a security protocol such as HTTPS.

[1900] Input: Life event information and emotional state data in text format

[1901] Data processing: data packaging and encryption

[1902] Output: Data sent to the server

[1903] Step 4:

[1904] The server analyzes the received life event information and emotional state data, and generates the optimal asset formation plan for the user, as well as advice and content that takes emotions into consideration. This analysis is performed using a generative AI model.

[1905] Input: Life event information and emotional state data sent to the server

[1906] Data processing: Data analysis and advice generation using generative AI models

[1907] Output: Wealth planning and advice, content

[1908] Step 5:

[1909] The server sends the generated advice and content to the terminal and displays it on the user's smart device.

[1910] Input: Server-generated advice and content

[1911] Data processing: Packaging and sending data

[1912] Output: Display data to smart device

[1913] Step 6:

[1914] When a user registers for a flat-rate service, the device collects registration information and sends it to the server, which processes the payment based on that information and notifies the user of the results.

[1915] Input: User registration information

[1916] Data processing: Payment processing and result notification

[1917] Output: Notification of payment result

[1918] Step 7:

[1919] If the user is interested in signing up for an insurance product, the device displays the details and proceeds with the application. The server then contacts the insurance provider to apply for discounts and notify the user of the application.

[1920] Input: User subscription information

[1921] Data processing: Insurance provider notification and discount application

[1922] Output: Notification of enrollment results

[1923] The specific processing unit 290 transmits the result of the specific processing to the robot 414. In the robot 414, the control unit 46A causes the speaker 240 and the control target 443 to output the result of the specific processing. The microphone 238 acquires voice indicating a user input regarding the result of the specific processing. The control unit 46A transmits voice data indicating the user input acquired by the microphone 238 to the data processing device 12. In the data processing device 12, the specific processing unit 290 acquires the voice data.

[1924] 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.

[1925] In the above embodiment, an example was given in which the specific processing is performed by the data processing device 12, but the technology of the present disclosure is not limited to this, and the specific processing may be performed by the robot 414.

[1926] The emotion identification model 59 as an emotion engine may determine the user's emotion according to a specific mapping. Specifically, the emotion identification model 59 may determine the user's emotion according to an emotion map (see FIG. 9), which is a specific mapping. Similarly, the emotion identification model 59 may determine the robot's emotion, and the identification processing unit 290 may perform identification processing using the robot's emotion.

[1927] FIG. 9 is a diagram illustrating an emotion map 400 on which multiple emotions are mapped. In the emotion map 400, emotions are arranged in concentric circles radiating from the center. Emotions closer to the center of the concentric circles are more primitive. Emotions representing states and actions arising from a state of mind are arranged on the outer edges of the concentric circles. The concept of emotion includes both affect and mental states. Emotions generally generated from reactions occurring in the brain are arranged on the left side of the concentric circles. Emotions generally induced by situational judgment are arranged on the right side of the concentric circles. Emoti...

Claims

1. a means for inputting data about the user's lifestyle and life events; means for transmitting the input data to a server; A means for the server to analyze the received data and generate an asset formation plan suitable for the user; means for transmitting the generated advice from the server to the terminal and displaying it to the user; A means for users to sign up for subscription services; means for transmitting registration information to a server and performing payment processing; The means by which users can subscribe to insurance products; A means for the server to work with insurance companies to apply discounts and notify them; A system including:

2. The system according to claim 1, wherein the server generates advice on insurance products suited to the lifestyle of the user.

3. 2. The system according to claim 1, wherein a discount is applied to insurance products when a flat-rate service is used.

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