System

Abstract

A system is provided.SOLUTION: A system comprising: means for acquiring account information of a plurality of financial institutions; means for aggregating the acquired account information and calculating total assets; means for inputting a future goal of a user and life plan information; means for proposing a financial plan using a generative artificial intelligence model based on the total assets and the life plan information; and means for displaying the proposed financial plan.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] It will be written on the mat.

[0005] While conventional financial institution and stock management applications allow users to manage individual account and stock information, it is difficult to integrate multiple financial institution accounts and grasp total assets in one place. Furthermore, requesting individual financial planners to provide such information can be expensive and unreliable. The present invention aims to solve these problems by providing a system that allows users to easily grasp their total assets and automatically proposes an appropriate financial plan that corresponds to their future life plans. [Means for solving the problem]

[0006] The present invention provides a system including means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting information on a user's future goals and life plan, means for proposing a financial plan using a generative artificial intelligence model based on the total assets and life plan information, and means for displaying the proposed financial plan. Furthermore, by providing means for automatically acquiring account information on a regular basis, it is possible to propose a plan that reflects the user's latest asset status, and to generate an optimal savings plan and investment strategy based on the user's asset status and life plan.

[0007] "Multiple financial institutions" is a general term for institutions that provide financial services, such as different banks, securities companies, and investment funds.

[0008] "Account Information" refers to individual financial data such as your account number, balance, and transaction history at your financial institution.

[0009] "Total assets" refers to a user's overall assets, calculated by adding up the value of accounts at multiple financial institutions, stock holdings, and other investment products.

[0010] "Life plan information" refers to information about the goals and plans that users want to achieve in the future (e.g., buying a house, saving for their children's education, retirement plans, etc.).

[0011] A "generative artificial intelligence model" is a computational technology for making predictions and suggestions based on input data, and specifically refers to a system that uses natural language processing and machine learning algorithms.

[0012] "Financial Plan" means a comprehensive financial plan including savings and investment strategies proposed based on the User's asset status and life plan.

[0013] "Automatic execution" refers to the ability of the system to perform processing autonomously, periodically or based on trigger conditions, without requiring manual user intervention.

[0014] "Proposal" refers to the presentation of a financial plan or specific action plan generated by the system.

[0015] "Display" means the act of a system providing information to a user in visual or textual form. [Brief explanation of the drawings]

[0016] [Figure 1] 1 is a conceptual diagram showing an example of the configuration of a data processing system according to a first embodiment. [Figure 2] 1 is a conceptual diagram showing an example of main functions of a data processing device and a smart device according to a first embodiment. [Figure 3] FIG. 10 is a conceptual diagram showing an example of the configuration of a data processing system according to a second embodiment. [Figure 4] FIG. 10 is a conceptual diagram showing an example of main functions of a data processing device and smart glasses according to a second embodiment. [Figure 5] FIG. 10 is a conceptual diagram showing an example of the configuration of a data processing system according to a third embodiment. [Figure 6] FIG. 11 is a conceptual diagram showing an example of main functions of a data processing device and a headset-type terminal according to a third embodiment. [Figure 7] FIG. 10 is a conceptual diagram showing an example of the configuration of a data processing system according to a fourth embodiment. [Figure 8] FIG. 10 is a conceptual diagram showing an example of main functions of a data processing device and a robot according to a fourth embodiment. [Figure 9] 1 shows an emotion map onto which multiple emotions are mapped. [Figure 10] 1 shows an emotion map onto which multiple emotions are mapped. [Figure 11] FIG. 3 is a sequence diagram showing a processing flow of the data processing system according to the first embodiment. [Figure 12] FIG. 10 is a sequence diagram showing the flow of processing in the data processing system in Application Example 1. [Figure 13]FIG. 10 is a sequence diagram showing the flow of processing in the data processing system according to the second embodiment when an emotion engine is combined. [Figure 14] FIG. 10 is a sequence diagram showing the flow of processing in the data processing system in Application Example 2 when an emotion engine is combined. DETAILED DESCRIPTION OF THE INVENTION

[0017] An example of an embodiment of a system according to the technology of the present disclosure will be described below with reference to the accompanying drawings.

[0018] First, the terms used in the following description will be explained.

[0019] In the following embodiments, a coded processor (hereinafter simply referred to as a "processor") may be a single arithmetic device or a combination of multiple arithmetic devices. Furthermore, a processor may be a single type of arithmetic device or a combination of multiple types of arithmetic devices. Examples of arithmetic devices include a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), a GPGPU (General-Purpose computing on Graphics Processing Units), and an APU (Accelerated Processing Unit).

[0020] In the following embodiments, a coded RAM (Random Access Memory) is a memory in which information is temporarily stored and is used as a working memory by a processor.

[0021] In the following embodiments, the coded storage is one or more non-volatile storage devices that store various programs, various parameters, etc. Examples of non-volatile storage devices include flash memory (SSD (Solid State Drive)), magnetic disks (e.g., hard disks), and magnetic tapes.

[0022] In the following embodiments, a communication I / F (Interface) with a symbol is an interface including a communication processor, an antenna, etc. The communication I / F controls communication between multiple computers. Examples of communication standards applied to the communication I / F include wireless communication standards including 5G (5th Generation Mobile Communication System), Wi-Fi (registered trademark), Bluetooth (registered trademark), etc.

[0023] In the following embodiments, "A and / or B" is synonymous with "at least one of A and B." In other words, "A and / or B" means that it may be only A, only B, or a combination of A and B. Furthermore, in this specification, the same concept as "A and / or B" is also applied when three or more things are expressed connected by "and / or."

[0024] [First embodiment]

[0025] FIG. 1 shows an example of the configuration of a data processing system 10 according to the first embodiment.

[0026] 1, a data processing system 10 includes a data processing device 12 and a smart device 14. An example of the data processing device 12 is a server.

[0027] The data processing device 12 includes a computer 22, a database 24, and a communication I / F 26. The computer 22 is an example of a "computer" according to the technology of the present disclosure. The computer 22 includes a processor 28, a RAM 30, and a storage 32. The processor 28, the RAM 30, and the storage 32 are connected to a bus 34. The database 24 and the communication I / F 26 are also connected to the bus 34. The communication I / F 26 is connected to a network 54. Examples of the network 54 include a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[0028] The smart device 14 includes a computer 36, a reception device 38, an output device 40, a camera 42, and a communication I / F 44. The computer 36 includes a processor 46, a RAM 48, and a storage 50. The processor 46, the RAM 48, and the storage 50 are connected to a bus 52. The reception device 38, the output device 40, and the camera 42 are also connected to the bus 52.

[0029] The reception device 38 includes a touch panel 38A, a microphone 38B, and the like, and receives user input. The touch panel 38A detects contact with an indicator (for example, a pen or a finger) to receive user input by the touch of the indicator. The microphone 38B detects the user's voice to receive user input by voice. The control unit 46A transmits data indicating the user input received by the touch panel 38A and the microphone 38B to the data processing device 12. In the data processing device 12, the specific processing unit 290 acquires the data indicating the user input.

[0030] The output device 40 includes a display 40A and a speaker 40B, and presents data to the user 20 by outputting the data in a form of expression that the user 20 can perceive (for example, audio and / or text). The display 40A displays visible information such as text and images in accordance with instructions from the processor 46. The speaker 40B outputs audio in accordance with instructions from the processor 46. The camera 42 is a compact digital camera equipped with an optical system including a lens, aperture, and shutter, and an imaging element such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor.

[0031] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 control the exchange of various information between the processor 46 and the processor 28 via the network 54.

[0032] FIG. 2 shows an example of the main functions of the data processing device 12 and the smart device 14.

[0033] 2, in the data processing device 12, a specific process is performed by the processor 28. A specific processing program 56 is stored in the storage 32. The specific processing program 56 is an example of a "program" according to the technology of the present disclosure. The processor 28 reads the specific processing program 56 from the storage 32 and executes the read specific processing program 56 on the RAM 30. The specific process is realized by the processor 28 operating as a specific processing unit 290 in accordance with the specific processing program 56 executed on the RAM 30.

[0034] The storage 32 stores a data generation model 58 and an emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[0035] In the smart device 14, the processor 46 performs the reception output process. The storage 50 stores a reception output program 60. The reception output program 60 is used in conjunction with the specific processing program 56 by the data processing system 10. The processor 46 reads the reception output program 60 from the storage 50 and executes the read reception output program 60 on the RAM 48. The reception output process is realized by the processor 46 operating as the control unit 46A in accordance with the reception output program 60 executed on the RAM 48.

[0036] Next, a description will be given of the specific processing performed by the specific processing unit 290 of the data processing device 12. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0037] ---

[0038] The present invention is a system that acquires account information from multiple financial institutions, calculates total assets based on that information, and then uses a generative artificial intelligence model to propose a financial plan tailored to the user's life plan.

[0039] System Overview

[0040] The system consists of a user device (smartphone, tablet, computer, etc.) and a server. Users access the system using their device and enter their account information and life plan information. The server processes this information, calculates their total assets, and uses a generative artificial intelligence model to propose an appropriate financial plan.

[0041] User Registration and Authentication

[0042] User: Install the application and register as a new user. Enter your name, email address, and password, then tap the "Register" button. After registration, you will be taken to the login screen where you can enter your login information to access the system.

[0043] Terminal: Sends the user's input information to the server. Receives an authentication message from the server that has received the registration information and notifies the user.

[0044] Server: Validates the received user information and stores it in the database. When a user logs in, verifies the credentials and grants access.

[0045] Collaboration with financial institutions

[0046] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[0047] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends that information to the server.

[0048] Server: Has the function of storing account information obtained from financial institutions in a database and updating it regularly.

[0049] Asset calculation and consolidation

[0050] Server: Aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is performed automatically on a regular basis (e.g., daily) to reflect the latest asset status.

[0051] Terminal: Displays the total asset data obtained from the server, allowing users to check their overall asset status in real time.

[0052] Financial plan proposals using generative AI

[0053] User: Tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[0054] Terminal: Sends the entered life plan information to the server.

[0055] Server: Using a generative AI model, the server generates an optimal financial plan based on the user's current financial situation and life plan information. The generated plan includes specific savings and investment strategies.

[0056] Terminal: The server displays the proposed financial plan to the user, allowing the user to review specific action plans and plan actions toward their financial goals.

[0057] Specific examples

[0058] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp their total assets at a glance. Furthermore, if a user sets a goal such as "I want to buy a car in five years," the server will use a generative artificial intelligence model to propose the optimal savings plan and investment strategy to achieve that goal. In this way, users can plan efficiently and effectively toward their financial goals.

[0059] The above is a specific description of the "Mode for Carrying Out the Invention."

[0060] The processing flow will be explained below.

[0061] ---

[0062] Step 1:

[0063] User: Install and launch the app. Tap the "Sign Up" button, enter your name, email address, and password, and tap the "Register" button.

[0064] Step 2:

[0065] Terminal: Sends the entered information to the server, checks the communication status, and waits until the transmission is complete.

[0066] Step 3:

[0067] Server: Validate the received user information, checking for correct format and required fields, and save the validated information to the database.

[0068] Step 4:

[0069] Server: Generates a registration success message and sends it to the device, notifying it that the user account has been created.

[0070] Step 5:

[0071] Device: Receives and displays a registration completion message to the user. The user is then directed to the login screen and enters their login details.

[0072] Step 6:

[0073] Terminal: Sends the entered login information to the server.

[0074] Step 7:

[0075] Server: Authenticates the received login information. If authentication is successful, creates a session and sends an authentication success message and session information to the terminal.

[0076] Step 8:

[0077] Terminal: Receives a successful authentication message and notifies the user that login is complete.

[0078] Step 9:

[0079] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[0080] Step 10:

[0081] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends the obtained information to the server.

[0082] Step 11:

[0083] Server: Stores the account information obtained from financial institutions in a database. If the information needs to be updated, schedules it to be updated periodically.

[0084] Step 12:

[0085] Server: Aggregates account information from multiple financial institutions in a database and calculates total assets for each user.

[0086] Step 13:

[0087] Terminal: Displays the total asset data received from the server on the user interface, allowing users to check their asset status in real time.

[0088] Step 14:

[0089] User: Tap the "Life Plan Settings" button within the app, enter their future goals and life plan information, and tap the "Save" button.

[0090] Step 15:

[0091] Terminal: Sends the entered life plan information to the server.

[0092] Step 16:

[0093] Server: Passes the received life plan information to a generative AI model, which generates an optimal financial plan based on the user's current financial situation and goals.

[0094] Step 17:

[0095] Server: Sends the generated financial plan to the device.

[0096] Step 18:

[0097] Terminal: Displays the received financial plan on the user interface, providing the user with specific savings plans and investment strategies.

[0098] Step 19:

[0099] Server: Periodically (e.g. monthly) checks the user's financial situation and progress towards their life plan, generates necessary advice, and sends the advice to the device.

[0100] Step 20:

[0101] On the device: Notify the user when there is new advice or status updates, allowing the user to view the new advice.

[0102] The above are the specific processing steps of the system.

[0103] Example 1

[0104] 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."

[0105] Many people today have accounts at multiple financial institutions, making it difficult to centrally manage this information and understand their own financial situation. Furthermore, creating specific financial plans aimed at future goals requires a great deal of time and expertise. Conventional systems require the manual aggregation and individual management of account information from multiple financial institutions, making it difficult to provide users with optimal financial plans. For this reason, there is a demand for a system that can comprehensively manage a user's financial situation and automatically propose specific financial plans based on future goals.

[0106] 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.

[0107] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting the user's future goals and schedule information, means for proposing a financial plan using a generative AI model based on the total assets and schedule information, and means for displaying the proposed financial plan. This allows users to centrally manage information from multiple financial institutions, and not only can they grasp their own asset status in real time, but they can also automatically obtain a specific and optimal financial plan for their future goals.

[0108] "Account information" is a general term for a user's account information, transaction history, balance information, etc. managed by a financial institution.

[0109] "Total assets" refers to the total amount of assets calculated by aggregating all of a user's account information across multiple financial institutions.

[0110] "Schedule information" is information about goals and plans that the user wants to achieve in the future, such as buying a house or saving for education.

[0111] A "generative AI model" refers to an artificial intelligence algorithm that automatically generates an optimal financial plan based on user input and current asset status.

[0112] "Financial planning" is a proposal of specific savings plans and investment strategies generated based on the user's total assets and schedule information.

[0113] This system acquires account information from multiple financial institutions, calculates total assets based on that information, and then uses a generative artificial intelligence model to propose a financial plan tailored to the user's life plan.The system consists of a user device (smartphone, tablet, computer, etc.) and a server.

[0114] User Registration and Authentication

[0115] First, the user installs the application and opens the new user registration screen. The user enters their name, email address, and password, and taps the "Register" button. Once the input is complete, the device sends this information to the server. The server validates the received user information, and if validation is successful, saves it in a database. Once saving is complete, the server notifies the device. Next, the user moves to the login screen, enters their email address and password, and taps the "Login" button. The entered authentication information is sent from the device to the server. The server compares it with the database, and if it matches, creates a session and allows login. The authentication result is notified to the device, which displays it to the user. If authentication is successful, the user is redirected to the main screen.

[0116] Collaboration with financial institutions

[0117] The user taps the "Financial Institution Link" button in the app and selects the financial institution they want to link with. The device displays the login screen for the selected financial institution. The user enters their financial institution's login information and authorizes the link. The entered login information is sent from the device to the server. The server calls the financial institution's API and performs authentication. If authentication is successful, it obtains the account information and stores it in a database. The server also sets up regular updates of the account information.

[0118] Asset calculation and consolidation

[0119] The server periodically updates the financial institution account information in the database. This process is performed automatically in the background. The latest account information is aggregated to calculate total assets, and the calculation results are stored in the database. The device periodically retrieves the latest total asset data from the server and displays it to the user. By opening the asset status screen in the app, the user can check their total assets and detailed information for each account in real time.

[0120] Financial plan proposals using generative AI

[0121] The user taps the "Set Life Plan" button in the app and enters their goals, such as "I want to buy a house in 10 years" or "I want to save for my children's education in five years." The device then sends the entered life plan information to the server. The server uses this information and current total assets to generate an optimal financial plan using a generative artificial intelligence model (such as OpenAI's GPT-4 model). The generated plan includes specific savings plans and investment strategies. The plan is then sent from the server to the device and displayed to the user. The user can review the proposed plan and implement specific action plans.

[0122] Specific examples

[0123] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp the total amount of assets at a glance. Furthermore, if a user sets a goal such as "I want to buy a car in five years," the server will use a generative AI model to propose the optimal savings plan and investment strategy to achieve that goal.

[0124] Prompt Sentence Examples

[0125] An example of an input prompt for a generative AI model might be:

[0126] "Please suggest the best savings and investment strategy for purchasing a car in the next five years."

[0127] "I would like to buy a house in 10 years. Please tell me the best financial plan based on my current asset situation."

[0128] "Make a plan to save for your child's education over a five-year period."

[0129] The above is a specific description of the "Mode for Carrying Out the Invention."

[0130] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0131] Step 1: User Registration and Authentication

[0132] Step 1.1 - User Registration

[0133] The user installs the application, opens the new user registration screen, enters their name, email address, and password, and taps the "Register" button.

[0134] The terminal transmits the input user information to the server.

[0135] The server validates the received user information, and if validation is successful, saves it in the database and notifies the terminal that saving is complete.

[0136] Input: Name, Email Address, Password

[0137] Data processing or data calculation: input data validation, format check using regular expressions

[0138] Output: User information saving status (success or failure)

[0139] Step 1.2 - User Authentication

[0140] The user goes to the login screen, enters their email address and password, and taps the "Login" button.

[0141] The terminal transmits the input authentication information to the server.

[0142] The server checks the received authentication information against the database, and if it matches, it creates a session and allows the user to log in. It then notifies the terminal of the authentication result.

[0143] Input: Email address, Password

[0144] Data manipulation or data calculation: database lookup of authentication information, generation of session tokens

[0145] Output: Authentication result (success or failure), session information

[0146] Step 2: Collaboration with financial institutions

[0147] Step 2.1 - Start collaborating with financial institutions

[0148] Users tap the "Financial Institution Link" button within the app and select the financial institution they want to link with.

[0149] The terminal displays the login screen of the selected financial institution.

[0150] Input: Select financial institution

[0151] Output: Login screen displayed

[0152] Step 2.2 - Enter your login details

[0153] The user enters their financial institution's login information (user ID, password, etc.) and authorizes the connection.

[0154] The terminal transmits the entered login information to the server.

[0155] The server calls the financial institution's API and performs authentication. If authentication is successful, it obtains the account information and stores it in the database. It also sets up periodic updates of the account information.

[0156] Input: Financial institution login information

[0157] Data processing or data calculation: Calling financial institution APIs, obtaining and storing account information

[0158] Output: Account information storage status, periodic update settings

[0159] Step 3: Calculate and consolidate assets

[0160] Step 3.1 - Data Acquisition and Update

[0161] The server periodically updates the financial institution account information in its database, a process that occurs automatically in the background.

[0162] Input: Timing of periodic updates

[0163] Data processing or data calculation: Retrieving data by calling financial institution APIs and updating databases

[0164] Output: Updated account information

[0165] Step 3.2 – Calculate Total Assets

[0166] The server aggregates the latest account information to calculate total assets and stores the calculation results in a database.

[0167] Input: Multiple account information

[0168] Data processing or data calculation: data aggregation, calculation of total values

[0169] Output: Calculated total assets

[0170] Step 3.3 - View your assets

[0171] The device retrieves the latest total asset data from the server and displays it to the user. The user can then open the asset status screen in the app to check their total assets and detailed information for each account in real time.

[0172] Input: Calculated total assets

[0173] Output: Total assets and detailed information

[0174] Step 4: Generative AI proposes a financial plan

[0175] Step 4.1 - Enter your life plan

[0176] Users tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[0177] The terminal transmits the input life plan information to the server.

[0178] Input: Life plan information

[0179] Output: Send data to the server

[0180] Step 4.2 - Generate a Financial Plan

[0181] The server uses a generative AI model (such as OpenAI's GPT-4 model) based on the life plan information and total asset information to generate an optimal financial plan, which includes specific savings plans and investment strategies.

[0182] Input: Life plan information, total assets information

[0183] Data processing or data calculation: Generative AI model to generate plans

[0184] Output: Optimal financial plan

[0185] Step 4.3 - View your plan

[0186] The terminal retrieves the proposed financial plan from the server and displays it to the user, who can then confirm the plan and implement specific action plans.

[0187] Input: Proposed Financial Plan

[0188] Output: Display of financial plan

[0189] (Application example 1)

[0190] 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."

[0191] Conventional financial planning systems could only obtain account information from individual financial institutions, making it difficult to manage it in an integrated manner. Furthermore, they were inadequate in proposing savings plans and investment strategies tailored to users' life plans, preventing users from obtaining specific measures to effectively achieve their financial goals. This meant that users' needs for integrated management of asset information dispersed across multiple financial institutions and obtaining effective plans to achieve their financial goals could not be met.

[0192] 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.

[0193] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting the user's future goals and life plan information, means for proposing a financial plan using a generative artificial intelligence model based on the total assets and life plan information, means for displaying the proposed financial plan, means for setting financial goals based on the user's life events, and means for proposing a savings plan and investment strategy based on the financial goals. This enables the user to integrate and manage asset information across multiple financial institutions in real time and receive optimal financial plan proposals using a generative artificial intelligence model.

[0194] "Account information at multiple financial institutions" refers to information about assets and liabilities held by a user related to multiple financial institutions.

[0195] "Total assets" refers to the total amount of a user's personal assets calculated by adding together the account information of multiple financial institutions obtained.

[0196] "Life plan information" is information about the goals and plans that the user wants to achieve in the future.

[0197] A "generative artificial intelligence model" is a model that uses artificial intelligence to propose a numerically and algorithmically optimal financial plan based on input data.

[0198] A "financial plan" is a financial plan that includes appropriate savings plans and investment strategies based on the user's asset status and life plan information.

[0199] "User life event-based financial goals" are specific financial goals that a user sets for a particular life milestone or plan (e.g., buying a home, children's education, retirement).

[0200] A "savings plan" is a plan that specifies the amount and method of savings a user needs to achieve their financial goals.

[0201] "Investment Strategy" refers to the investment methods and policies used to manage a user's assets and achieve their goals.

[0202] "Periodic automatic execution" means that the system operates automatically at set intervals to perform specific tasks (e.g., updating account information, recalculating total assets).

[0203] "Real-time" means that data and information are processed immediately and provided to users quickly, without delay.

[0204] A "smartphone" is a type of mobile phone, a small, portable electronic device with multiple functions and Internet connectivity.

[0205] This system acquires account information from multiple financial institutions, calculates total assets based on that information, and then uses a generative artificial intelligence model to propose a financial plan tailored to the user's life plan. This system consists of a user device (smartphone, tablet, computer, etc.) and a server.

[0206] Users access the system using a terminal and enter their account information and life plan information. The information entered by the user is sent from the terminal to a server, which processes the information and calculates total assets. The server stores the acquired information in a database and periodically updates it.

[0207] The server aggregates account information from multiple financial institutions and calculates total assets, allowing users to check their overall asset status in real time. Furthermore, when users input their life plan information, the server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's current asset status and life plan information. This generated plan includes specific savings plans and investment strategies.

[0208] Users install the smartphone application and register as a new user. After entering their name, email address, and password, they are taken to the login screen where they can enter their login information to access the system. Within the app, users tap the "Financial Institution Link" button, select the financial institution they want to link with, and enter their login information to authorize the link.

[0209] The terminal retrieves information by calling the financial institution's API based on the information entered by the user and sends it to the server. The server stores the account information retrieved from the financial institution in a database and updates it regularly. This ensures that the user's total assets are always up to date.

[0210] When a user taps the "Set Life Plan" button and enters a goal, such as "I want to buy a house in 10 years," the information is sent from the device to the server. The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's current asset situation and life plan information. The generated plan is displayed on the user's smartphone, allowing them to check the specific action plan.

[0211] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp the total amount of assets at a glance. Furthermore, if a user sets a goal such as "I want to buy a car in five years," the server will use a generative artificial intelligence model to propose the optimal savings plan and investment strategy to achieve that goal. This allows users to plan efficiently and effectively toward their financial goals.

[0212] An example of a specific prompt sentence is, "The user's current total assets are X yen. Please suggest the optimal savings plan and investment strategy to save 5 million yen in 10 years."

[0213] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0214] Step 1:

[0215] User Registration and Authentication

[0216] The user installs the application and registers as a new user. The input data is name, email address, and password. This is sent from the terminal to the server. The server validates the received user information and stores it in a database. If registration is successful, an authentication message from the server is sent back to the terminal, which notifies the user. The user then accesses the system from the login screen.

[0217] Step 2:

[0218] Financial institution collaboration

[0219] The user taps the "Financial Institution Link" button in the app, selects the financial institution they want to link with, and enters the financial institution's login information. This input data is sent from the device to the server. The server uses this information to call the financial institution's API, obtains account information, and stores it in a database. The account information is updated periodically as needed.

[0220] Step 3:

[0221] Calculating total assets

[0222] The server aggregates account information from multiple financial institutions in a database and calculates total assets. The input data is the account information from each financial institution. The server adds up this data and calculates total assets. The calculation results are saved in the database and updated periodically by automatic execution.

[0223] Step 4:

[0224] Setting a life plan

[0225] Users tap the "Set Life Plan" button in the app and enter their life events and financial goals. For example, "I want to buy a house in 10 years." This input data is sent from the device to the server, which then stores the received life plan information in a database.

[0226] Step 5:

[0227] Generate a financial plan

[0228] The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's total assets and life plan information. The input data is the user's total assets and life plan information. The AI ​​model analyzes this data and generates an optimal savings plan and investment strategy. This plan is then stored in a database.

[0229] Step 6:

[0230] View Financial Plan

[0231] The server sends the generated financial plan to the user's device, which then displays the plan to the user, allowing the user to review the plan details and plan specific actions.

[0232] Specifically, the total assets calculation aggregates the balance data of each account and calculates the total value. The generated plan presentation uses a generative AI model to analyze the user's current situation and goals, and proposes optimal savings and investment strategies in real time. This allows users to quickly understand the necessary actions and efficiently create a plan to achieve their financial goals.

[0233] Prompt Sentence Examples

[0234] The user's current total assets are X yen. Please suggest the optimal savings plan and investment strategy to save 5 million yen in 10 years.

[0235] 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.

[0236] ---

[0237] This system acquires account information from multiple financial institutions, calculates total assets, and proposes financial plans tailored to the user's life plan. Furthermore, by combining it with an emotion engine that recognizes the user's emotions, it is possible to propose plans and present information that take into account the user's psychological state.

[0238] System Overview

[0239] The system consists of a user device (smartphone, tablet, computer, etc.) and a server. Users access the system using their device and enter account information and life plan information. The server processes this information, calculates total assets, and uses a generative artificial intelligence model to propose an appropriate financial plan. In addition, an emotion engine recognizes emotions based on the user's input and actions, and provides this information to the server.

[0240] User Registration and Authentication

[0241] User: Install the application and register as a new user. Enter your name, email address, and password, then tap the "Register" button. After registration, you will be taken to the login screen where you can enter your login information to access the system.

[0242] Terminal: Sends the user's input information to the server. Receives an authentication message from the server that has received the registration information and notifies the user.

[0243] Server: Validates the received user information and stores it in the database. When a user logs in, verifies the credentials and grants access.

[0244] Collaboration with financial institutions

[0245] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[0246] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends that information to the server.

[0247] Server: Has the function of storing account information obtained from financial institutions in a database and updating it regularly.

[0248] Emotion recognition with emotion engine

[0249] User: Accesses the system and performs normal operations. During this process, the emotion engine monitors the user's input and actions.

[0250] Emotion engine (on-device): Analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction). The results are sent to the server.

[0251] Server: Processes the emotion information received from the emotion engine and stores it in a database.

[0252] Asset calculation and consolidation

[0253] Server: Aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is performed automatically on a regular basis (e.g., daily) to reflect the latest asset status.

[0254] Terminal: Displays the total asset data obtained from the server, allowing users to check their overall asset status in real time.

[0255] Financial plan proposals using generative AI

[0256] User: Tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[0257] Terminal: Sends the entered life plan information to the server.

[0258] Server: Using a generative AI model, the server generates an optimal financial plan based on the user's current financial situation, life plan information, and emotional information. The generated plan includes specific savings plans and investment strategies.

[0259] Terminal: The server displays the proposed financial plan to the user. The method and timing of information presentation can be dynamically adjusted based on the user's emotional state.

[0260] Specific examples

[0261] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp their total assets at a glance. Furthermore, if a user sets a goal of "buying a car in five years," the server uses a generative AI model to suggest the optimal savings plan and investment strategy to achieve that goal. During this process, the emotion engine recognizes the user's emotions, and if the user is feeling stressed, it can change the way information is presented to reduce the user's burden.

[0262] The above is a specific description of the "Mode for Carrying Out the Invention."

[0263] The processing flow will be explained below.

[0264] ---

[0265] Step 1:

[0266] User: Install and launch the app. Tap the "Sign Up" button, enter your name, email address, and password, and tap the "Register" button.

[0267] Step 2:

[0268] Terminal: Sends the user's input information to the server, checks the communication status, and waits until the transmission is complete.

[0269] Step 3:

[0270] Server: Validate the received user information, ensuring that the information is in the correct format and that all required fields are present. Save the validated information to the database.

[0271] Step 4:

[0272] Server: Generates a registration success message and sends it to the device, notifying it that the user account has been created.

[0273] Step 5:

[0274] Device: Receives and displays a registration completion message to the user. The user is then directed to the login screen and enters their login details.

[0275] Step 6:

[0276] Terminal: Sends the entered login information to the server.

[0277] Step 7:

[0278] Server: Authenticates the received login information. If authentication is successful, creates a session and sends an authentication success message and session information to the terminal.

[0279] Step 8:

[0280] Terminal: Receives a successful authentication message and notifies the user that login is complete.

[0281] Step 9:

[0282] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[0283] Step 10:

[0284] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends the obtained information to the server.

[0285] Step 11:

[0286] Server: Stores the account information obtained from financial institutions in a database. If the information needs to be updated, schedules it to be updated periodically.

[0287] Step 12:

[0288] Server: Aggregates account information from multiple financial institutions in a database and calculates total assets for each user.

[0289] Step 13:

[0290] Terminal: Displays the total asset data received from the server on the user interface, allowing users to check their asset status in real time.

[0291] Step 14:

[0292] User: Tap the "Life Plan Settings" button within the app, enter their future goals and life plan information, and tap the "Save" button.

[0293] Step 15:

[0294] Terminal: Sends the entered life plan information to the server.

[0295] Step 16:

[0296] Server: Passes the received life plan information to a generative AI model, which generates an optimal financial plan based on the user's current financial situation and goals.

[0297] Step 17:

[0298] Server: Sends the generated financial plan to the device.

[0299] Step 18:

[0300] Terminal: Displays the received financial plan on the user interface, providing the user with specific savings plans and investment strategies.

[0301] Step 19:

[0302] User: Accesses the system and performs normal operations. During this process, the emotion engine monitors the user's input and actions.

[0303] Step 20:

[0304] Emotion engine (on-device): Analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction). The results are sent to the server.

[0305] Step 21:

[0306] Server: Processes the emotion information received from the emotion engine and stores it in a database. Periodically updates the emotion data and provides it to the model to reflect the emotion information in financial plan generation.

[0307] Step 22:

[0308] Server: Dynamically adjusts how the user's asset and life plan information is presented based on emotional information. For example, if the user is under high stress, the timing of information presentation can be adjusted or the information can be presented in an easy-to-understand format.

[0309] Step 23:

[0310] Device: Based on instructions from the server, present information to the user in an appropriate manner. By using messages and visual representations that correspond to the user's emotional state, the device improves user understanding and satisfaction.

[0311] Step 24:

[0312] Server: Periodically (e.g. monthly) checks the user's financial situation and progress towards their life plan, generates necessary advice, and sends the advice to the device.

[0313] Step 25:

[0314] On the device: Notify the user when there is new advice or status updates, allowing the user to view the new advice.

[0315] The above are the specific processing steps of the system.

[0316] Example 2

[0317] 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."

[0318] Conventional financial planning systems can aggregate a user's account information from multiple financial institutions to calculate their total assets and make proposals based on their life plan, but they are unable to take the user's emotional state into consideration. This has resulted in problems where the system is not effective enough when users are prone to stress or when flexible information provision according to the situation is required. Furthermore, there is no way to grasp the user's emotional state and present information at the appropriate time, making it difficult to improve user satisfaction.

[0319] 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.

[0320] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting information about the user's future goals and life plan, means for proposing a financial plan using a generative artificial intelligence model based on the total assets and life plan information, means for acquiring and recognizing information about the user's emotions, means for dynamically adjusting the method and timing of presenting information based on the proposed financial plan and the user's emotional information, and means for displaying the proposed financial plan. This makes it possible to propose an optimal financial plan at an appropriate time while taking into consideration the user's emotional state.

[0321] "Means for obtaining account information from multiple financial institutions" refers to a mechanism for obtaining account information from each financial institution using the APIs of multiple financial institutions to which the user has authorized connection.

[0322] The "means of aggregating acquired account information and calculating total assets" refers to an algorithm or system for centrally managing account information acquired from each financial institution and calculating a user's total assets.

[0323] "Means for inputting user's future goals and life plan information" refers to an interface that allows a user to input information about their goals and life plans (e.g., buying a house, buying a car, saving for education, etc.) into the system.

[0324] The "means for proposing financial plans using a generative artificial intelligence model" is a system for generating and proposing optimal financial plans using a generative artificial intelligence model based on the acquired total asset data and the user's life plan information.

[0325] "Means for acquiring and recognizing user emotional information" refers to a system that analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction).

[0326] "Means for dynamically adjusting the method and timing of information presentation based on the proposed financial plan and the user's emotional information" refers to a mechanism for dynamically changing the method and timing of information presentation in accordance with the user's psychological state, based on the generated financial plan and the user's emotional information.

[0327] The "means for displaying the proposed financial plan" is a display interface for presenting the optimal financial plan to the user in an easy-to-view format.

[0328] MODE FOR CARRYING OUT THE INVENTION

[0329] System Overview

[0330] The present invention is a system that proposes a financial plan based on a user's life plan. The system consists of a user terminal (smartphone, tablet, computer, etc.) and a server. The user accesses the system using the terminal and inputs account information and life plan information. The server processes this information, calculates total assets, and proposes an appropriate financial plan using a generative artificial intelligence model. In addition, an emotion engine recognizes the user's emotional information and dynamically adjusts the plan proposals and the method of presenting information based on that information.

[0331] User Registration and Authentication

[0332] User: Installs the application and registers as a new user. The user enters their name, email address, and password and taps the "Register" button. After registration, a verification email is sent and the user completes verification by clicking the link in the email. After that, the user enters their email address and password on the login screen to access the system.

[0333] Terminal: Sends the information entered by the user to the server. Receives an authentication message from the server and notifies the user.

[0334] Server: Validates the received user information and stores it in the database. When a user logs in, the authentication information is verified and access is granted.

[0335] Collaboration with financial institutions

[0336] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter your financial institution login information (user ID and password), and authorize the link.

[0337] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends that information to the server.

[0338] Server: Has the function of storing account information obtained from financial institutions in a database and updating it regularly.

[0339] Emotion recognition with emotion engine

[0340] User: Accesses the system and performs normal operations. During this process, the emotion engine monitors the user's input and actions.

[0341] Emotion engine (on-device): Analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction). The results are sent to the server.

[0342] Server: Processes the emotion information received from the emotion engine and stores it in a database.

[0343] Asset calculation and consolidation

[0344] Server: Periodically aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is automatically performed periodically (e.g., daily).

[0345] Terminal: Displays the latest total asset data retrieved from the server.

[0346] Users: can check their overall asset status in real time.

[0347] Financial plan proposals using generative AI

[0348] User: Tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[0349] Terminal: Sends the entered life plan information to the server.

[0350] Server: Using a generative AI model, the server generates an optimal financial plan based on the user's current financial situation, life plan information, and emotional information. The generated plan includes specific savings plans and investment strategies.

[0351] Terminal: The server displays the proposed financial plan to the user. The method and timing of information presentation can be dynamically adjusted based on the user's emotional state.

[0352] Specific examples

[0353] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and show their total assets at a glance. Furthermore, if a user sets a goal of "buying a car in five years," the server will use a generative AI model to suggest the optimal savings plan and investment strategy to achieve that goal. During this process, an emotion engine recognizes the user's emotions, and if the user is feeling stressed, it can change the way information is presented to reduce the user's burden.

[0354] Prompt Sentence Examples

[0355] "Based on my current financial situation, please suggest the best savings plan and investment strategy for buying a car in five years' time. Please take into account the user's emotional state."

[0356] The above is a specific description of the "Mode for Carrying Out the Invention."

[0357] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0358] Program processing steps

[0359] Step 1: User Registration and Authentication

[0360] 1. User: Install the application and register as a new user. Enter your name, email address, and password, then tap the "Register" button.

[0361] Input: Name, Email Address, Password

[0362] Action: Enter registration information

[0363] Output: Registration request message

[0364] 2. Terminal: Sends the information entered by the user to the server.

[0365] Input: Registration request message

[0366] Action: Send data to server

[0367] Output: Sending confirmation message

[0368] 3. Server: Validates the received registration information, stores it in a database, sends a verification email and provides a link to the user to complete registration.

[0369] Input: Registration request message

[0370] Actions: Validate data, save to database, send authentication email

[0371] Output: Verification email

[0372] 4. User: Click the link in the verification email to verify, then enter your email address and password on the login screen to access the system.

[0373] Input: Verification link, email address, password

[0374] Action: Click authentication link, enter login information

[0375] Output: Authentication complete screen, login complete screen

[0376] Step 2: Obtain your financial institution account information

[0377] 1. User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information (user ID and password), and authorize the link.

[0378] Input: Select affiliated financial institution, login information

[0379] Action: Enter information, allow connection

[0380] Output: Integration request message

[0381] 2. Terminal: The user enters their financial institution login information and sends it to the server.

[0382] Input: Connection request message

[0383] Action: Send data to server

[0384] Output: Sending confirmation message

[0385] 3. Server: Based on the received information, it calls the financial institution's API and obtains account information (balance, transaction history, etc.).

[0386] Input: Connection request message

[0387] Action: Call API, get account information

[0388] Output: Account data

[0389] 4. Server: Has the function of storing the acquired account information in a database and updating it periodically.

[0390] Input: Account data

[0391] Operation: Database saving, periodic update setting

[0392] Output: Update confirmation message

[0393] Step 3: Acquiring emotional information

[0394] 1. User: Accesses the system and performs normal operations (e.g., viewing asset information, entering life plans, etc.).

[0395] Input: Operation data

[0396] Action: Operation

[0397] Output: Operation log

[0398] 2. Emotion engine (in-device): Analyzes user operation data (input speed, frequency, type of operation) in real time.

[0399] Input: Operation Log

[0400] Action: Data analysis

[0401] Output: Emotional state data

[0402] 3. Emotion engine: Recognizes the user's emotional state (stress level, satisfaction level) and sends the results to the server.

[0403] Input: Emotional state data

[0404] Action: Send data

[0405] Output: Emotional information message

[0406] 4. Server: Stores the received emotion information in a database.

[0407] Input: Emotional information message

[0408] Action: Save to database

[0409] Output: Save confirmation message

[0410] Step 4: Asset aggregation and calculation

[0411] 1. Server: Periodically aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is performed automatically on a regular basis (daily).

[0412] Input: Financial institution account information

[0413] Operation: Data aggregation, total asset calculation

[0414] Output: Total assets data

[0415] 2. Terminal: Displays the latest total asset data obtained from the server.

[0416] Input: Total Assets Data

[0417] Operation: Data acquisition and display

[0418] Output: Total assets display screen

[0419] 3. Users: Check their overall asset status in real time.

[0420] Input: Total assets data displayed

[0421] Operation: Confirm

[0422] Output: Asset situation awareness

[0423] Step 5: Enter your life plan

[0424] 1. User: Tap the "Set Life Plan" button within the app and enter their goal (e.g., "I want to buy a house in 10 years" or "I want to save money for my child's education in 5 years").

[0425] Input: Life plan information

[0426] Action: Enter information

[0427] Output: Life plan input data

[0428] 2. Terminal: Sends the entered life plan information to the server.

[0429] Input: Life plan input data

[0430] Action: Send data to server

[0431] Output: Sending confirmation message

[0432] Step 6: Generative AI proposes a financial plan

[0433] 1. Server: Using a generative artificial intelligence model, the server generates an optimal financial plan based on the user's current asset status, life plan information, and emotional information.

[0434] Input: Total assets data, life plan information, emotional information

[0435] Actions: Data analysis, plan generation

[0436] Output: Financial plan data

[0437] 2. Server: Stores the generated financial plan in a database.

[0438] Input: Financial Plan Data

[0439] Action: Save data

[0440] Output: Save confirmation message

[0441] Step 7: Inform the user

[0442] 1. Terminal: Based on the financial plan proposed by the server, the terminal presents information that takes into account the user's emotional state.

[0443] Input: Financial plan data, sentiment information

[0444] Actions: Information organization, thoughtful presentation

[0445] Output: Proposal display screen

[0446] 2. User: Review the proposed financial plan and select specific actions.

[0447] Input: Proposal display screen

[0448] Action: Confirm, select action

[0449] Output: Action execution data

[0450] Prompt Sentence Examples

[0451] "Based on my current financial situation, please suggest the best savings plan and investment strategy for buying a car in five years' time. Please take into account the user's emotional state."

[0452] The above is a description of the specific processing steps of the system and their detailed operation.

[0453] (Application example 2)

[0454] 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."

[0455] Currently, there are systems that centrally manage account information from multiple financial institutions and calculate total assets, but this alone is insufficient for users to create appropriate financial plans. Furthermore, if a uniform plan is presented without considering the user's psychological state, the user may feel stressed when receiving the information. To solve this issue, a system is needed that recognizes the user's emotions and dynamically adjusts and proposes financial plans according to their psychological state.

[0456] 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.

[0457] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting the user's future goals and life plan information, means for proposing a financial plan using a generative artificial intelligence model based on the total assets and life plan information, means for adjusting the financial plan according to the user's psychological state using an emotion engine that recognizes the user's emotions, and means for displaying the proposed financial plan. This makes it possible to provide an optimal financial plan that places minimal psychological burden on the user based on their total assets and emotional state.

[0458] "Multiple financial institutions" refers collectively to multiple financial service institutions, such as banks, credit unions, and insurance companies, with which a user holds accounts.

[0459] "Account information" refers to information such as account information, transaction history, and balance information held by a user at a financial institution.

[0460] "Total assets" refers to the total value of all assets held by a user, including cash, deposits, stocks, bonds, real estate, etc.

[0461] "Life plan information" is information about a user's future goals and important events, including marriage, home purchase, education funds, retirement plans, etc.

[0462] A "generative artificial intelligence model" is a type of artificial intelligence that has the ability to generate an optimal financial plan based on a user's total assets and life plan information.

[0463] A "financial plan" is a plan for efficiently managing and increasing a user's assets, including savings, investment, and risk management.

[0464] "Emotion engine" is a general term for algorithms and systems that analyze user operation information and input data and recognize the user's psychological state.

[0465] "Mental state" refers to a user's emotional or mental state, including stress, satisfaction, anxiety, etc.

[0466] "Dynamic adjustment" refers to changing the content and proposal method in real time depending on the situation.

[0467] This invention is a system that centrally manages account information from multiple financial institutions, calculates a user's total assets, and proposes a financial plan. Furthermore, it uses an emotion engine that recognizes the user's emotions to dynamically adjust and propose a financial plan according to the user's psychological state.

[0468] System Overview

[0469] The system consists of a server that collects and manages account information from multiple financial institutions, and a device operated by the user (smartphone, tablet, computer, etc.). The server automatically collects the user's account information periodically and calculates and updates their total assets.

[0470] Hardware and Software Configuration

[0471] 1. User Device:

[0472] Smartphone application

[0473] Tablet Applications

[0474] Emotion Recognizer

[0475] Network connectivity features

[0476] 2. Server:

[0477] Database Server

[0478] Application Server

[0479] Generative AI model (Financial Planner)

[0480] API Server

[0481] User Registration and Authentication

[0482] Users install the application on their smartphone or other device and register as new users. After completing registration, they enter their login information to access the system. The device sends the user's input information to the server, which receives and notifies them of an authentication message. The server validates the received information and stores it in a database.

[0483] Collaboration with financial institutions

[0484] The user taps the financial institution linking button and selects the financial institution they wish to link with. They then enter their login information for the financial institution and authorize the linking. The device then calls the financial institution's API based on the entered information and sends the retrieved information to the server. The server then stores this information in a database and updates it periodically.

[0485] Emotion recognition with emotion engine

[0486] The emotion engine monitors the user's input and operations to recognize their emotional state. The device analyzes their emotional state based on the operation data and sends the results to the server, which stores this information in a database.

[0487] Asset calculation and consolidation

[0488] The server aggregates account information from multiple financial institutions in a database and calculates total assets. This calculation is performed automatically on a regular basis to reflect the latest asset status. The terminal displays the total asset data obtained from the server.

[0489] Financial plan proposals using generative AI

[0490] The user taps the life plan setting button and inputs their goal (e.g., "I want to buy a car in five years"). The device sends the input information to the server. The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's total assets, life plan information, and emotional information. The proposed plan includes specific savings plans and investment strategies. The device displays the proposed plan from the server and adjusts the way the information is presented depending on the user's emotional state.

[0491] Specific examples

[0492] For example, if a user has multiple bank accounts and aims to buy a car in five years, the system can aggregate all account information and determine the total assets. If the user inputs "I'm a little stressed about saving," the emotion recognition engine will recognize the emotion and change the way information is presented to the user in a more user-friendly way.

[0493] Example prompts to input to a generative AI model:

[0494] The user's current total assets are $50,000 and their emotion is "a little stressed." Their goal is to buy a car in five years. How should they make a financial plan?

[0495] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0496] Step 1:

[0497] The user installs the application on their device and registers as a new user. They enter their input data (name, email address, password) and tap the registration button. The device sends the input data to the server, which validates the received data and stores it in a database. At this point, user authentication information is created and an authentication message is sent to the device.

[0498] Step 2:

[0499] The user enters login information to access the system. The terminal sends the login information to the server, which then verifies the authentication information and allows access. The user's authentication data is validated, and if authentication is successful, the user's home screen is displayed.

[0500] Step 3:

[0501] The user taps the financial institution linking button and selects the financial institution they wish to link with. They then enter their financial institution login information (username, password) and authorize the linking. The device uses this information to call the financial institution's API and obtain account information. The obtained account information is sent to the server, which stores it in a database.

[0502] Step 4:

[0503] The server periodically retrieves saved account information from multiple financial institutions, maintaining real-time updates of total assets. Periodic data retrieval and updates are performed as scheduled tasks.

[0504] Step 5:

[0505] The user taps the life plan setting button and inputs their future goals (e.g., buying a car in five years). The device sends the input life plan information to the server, where it is stored in a database along with the user's asset data.

[0506] Step 6:

[0507] The emotion recognition engine built into the device analyzes the user's operation data (input speed, frequency, type of operation, etc.) and recognizes the user's emotional state (e.g., stress, satisfaction). The emotion recognition results are sent to the server and stored in a database.

[0508] Step 7:

[0509] The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's total assets, life plan information, and emotional information. During this generation process, data calculations and optimization are performed based on the input data (total assets information, life plan information, emotional information). An optimized financial plan is generated.

[0510] Step 8:

[0511] The proposed financial plan is sent to the device, which then displays it to the user. The way the information is presented is dynamically adjusted according to the user's emotional state. For example, if the user is feeling stressed, the information is presented in a simpler, more understandable format.

[0512] Step 9:

[0513] The user reviews the proposed financial plan and adjusts it as needed. The adjusted plan is then sent back to the server, and the updated data is saved in the database. This process repeats, providing the user with an optimized financial plan as their situation changes.

[0514] 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.

[0515] 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.

[0516] 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.

[0517] [Second embodiment]

[0518] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0519] 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.

[0520] 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).

[0521] 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.

[0522] 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.

[0523] 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).

[0524] 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.

[0525] 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.

[0526] 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.

[0527] 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.

[0528] 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.

[0529] 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."

[0530] ---

[0531] The present invention is a system that acquires account information from multiple financial institutions, calculates total assets based on that information, and then uses a generative artificial intelligence model to propose a financial plan tailored to the user's life plan.

[0532] System Overview

[0533] The system consists of a user device (smartphone, tablet, computer, etc.) and a server. Users access the system using their device and enter their account information and life plan information. The server processes this information, calculates their total assets, and uses a generative artificial intelligence model to propose an appropriate financial plan.

[0534] User Registration and Authentication

[0535] User: Install the application and register as a new user. Enter your name, email address, and password, then tap the "Register" button. After registration, you will be taken to the login screen where you can enter your login information to access the system.

[0536] Terminal: Sends the user's input information to the server. Receives an authentication message from the server that has received the registration information and notifies the user.

[0537] Server: Validates the received user information and stores it in the database. When a user logs in, verifies the credentials and grants access.

[0538] Collaboration with financial institutions

[0539] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[0540] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends that information to the server.

[0541] Server: Has the function of storing account information obtained from financial institutions in a database and updating it regularly.

[0542] Asset calculation and consolidation

[0543] Server: Aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is performed automatically on a regular basis (e.g., daily) to reflect the latest asset status.

[0544] Terminal: Displays the total asset data obtained from the server, allowing users to check their overall asset status in real time.

[0545] Financial plan proposals using generative AI

[0546] User: Tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[0547] Terminal: Sends the entered life plan information to the server.

[0548] Server: Using a generative AI model, the server generates an optimal financial plan based on the user's current financial situation and life plan information. The generated plan includes specific savings and investment strategies.

[0549] Terminal: The server displays the proposed financial plan to the user, allowing the user to review specific action plans and plan actions toward their financial goals.

[0550] Specific examples

[0551] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp their total assets at a glance. Furthermore, if a user sets a goal such as "I want to buy a car in five years," the server will use a generative artificial intelligence model to propose the optimal savings plan and investment strategy to achieve that goal. In this way, users can plan efficiently and effectively toward their financial goals.

[0552] The above is a specific description of the "Mode for Carrying Out the Invention."

[0553] The processing flow will be explained below.

[0554] ---

[0555] Step 1:

[0556] User: Install and launch the app. Tap the "Sign Up" button, enter your name, email address, and password, and tap the "Register" button.

[0557] Step 2:

[0558] Terminal: Sends the entered information to the server, checks the communication status, and waits until the transmission is complete.

[0559] Step 3:

[0560] Server: Validate the received user information, checking for correct format and required fields, and save the validated information to the database.

[0561] Step 4:

[0562] Server: Generates a registration success message and sends it to the device, notifying it that the user account has been created.

[0563] Step 5:

[0564] Device: Receives and displays a registration completion message to the user. The user is then directed to the login screen and enters their login details.

[0565] Step 6:

[0566] Terminal: Sends the entered login information to the server.

[0567] Step 7:

[0568] Server: Authenticates the received login information. If authentication is successful, creates a session and sends an authentication success message and session information to the terminal.

[0569] Step 8:

[0570] Terminal: Receives a successful authentication message and notifies the user that login is complete.

[0571] Step 9:

[0572] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[0573] Step 10:

[0574] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends the obtained information to the server.

[0575] Step 11:

[0576] Server: Stores the account information obtained from financial institutions in a database. If the information needs to be updated, schedules it to be updated periodically.

[0577] Step 12:

[0578] Server: Aggregates account information from multiple financial institutions in a database and calculates total assets for each user.

[0579] Step 13:

[0580] Terminal: Displays the total asset data received from the server on the user interface, allowing users to check their asset status in real time.

[0581] Step 14:

[0582] User: Tap the "Life Plan Settings" button within the app, enter their future goals and life plan information, and tap the "Save" button.

[0583] Step 15:

[0584] Terminal: Sends the entered life plan information to the server.

[0585] Step 16:

[0586] Server: Passes the received life plan information to a generative AI model, which generates an optimal financial plan based on the user's current financial situation and goals.

[0587] Step 17:

[0588] Server: Sends the generated financial plan to the device.

[0589] Step 18:

[0590] Terminal: Displays the received financial plan on the user interface, providing the user with specific savings plans and investment strategies.

[0591] Step 19:

[0592] Server: Periodically (e.g. monthly) checks the user's financial situation and progress towards their life plan, generates necessary advice, and sends the advice to the device.

[0593] Step 20:

[0594] On the device: Notify the user when there is new advice or status updates, allowing the user to view the new advice.

[0595] The above are the specific processing steps of the system.

[0596] Example 1

[0597] 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."

[0598] Many people today have accounts at multiple financial institutions, making it difficult to centrally manage this information and understand their own financial situation. Furthermore, creating specific financial plans aimed at future goals requires a great deal of time and expertise. Conventional systems require the manual aggregation and individual management of account information from multiple financial institutions, making it difficult to provide users with optimal financial plans. For this reason, there is a demand for a system that can comprehensively manage a user's financial situation and automatically propose specific financial plans based on future goals.

[0599] 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.

[0600] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting the user's future goals and schedule information, means for proposing a financial plan using a generative AI model based on the total assets and schedule information, and means for displaying the proposed financial plan. This allows users to centrally manage information from multiple financial institutions, and not only can they grasp their own asset status in real time, but they can also automatically obtain a specific and optimal financial plan for their future goals.

[0601] "Account information" is a general term for a user's account information, transaction history, balance information, etc. managed by a financial institution.

[0602] "Total assets" refers to the total amount of assets calculated by aggregating all of a user's account information across multiple financial institutions.

[0603] "Schedule information" is information about goals and plans that the user wants to achieve in the future, such as buying a house or saving for education.

[0604] A "generative AI model" refers to an artificial intelligence algorithm that automatically generates an optimal financial plan based on user input and current asset status.

[0605] "Financial planning" is a proposal of specific savings plans and investment strategies generated based on the user's total assets and schedule information.

[0606] This system acquires account information from multiple financial institutions, calculates total assets based on that information, and then uses a generative artificial intelligence model to propose a financial plan tailored to the user's life plan.The system consists of a user device (smartphone, tablet, computer, etc.) and a server.

[0607] User Registration and Authentication

[0608] First, the user installs the application and opens the new user registration screen. The user enters their name, email address, and password, and taps the "Register" button. Once the input is complete, the device sends this information to the server. The server validates the received user information, and if validation is successful, saves it in a database. Once saving is complete, the server notifies the device. Next, the user moves to the login screen, enters their email address and password, and taps the "Login" button. The entered authentication information is sent from the device to the server. The server compares it with the database, and if it matches, creates a session and allows login. The authentication result is notified to the device, which displays it to the user. If authentication is successful, the user is redirected to the main screen.

[0609] Collaboration with financial institutions

[0610] The user taps the "Financial Institution Link" button in the app and selects the financial institution they want to link with. The device displays the login screen for the selected financial institution. The user enters their financial institution's login information and authorizes the link. The entered login information is sent from the device to the server. The server calls the financial institution's API and performs authentication. If authentication is successful, it obtains the account information and stores it in a database. The server also sets up regular updates of the account information.

[0611] Asset calculation and consolidation

[0612] The server periodically updates the financial institution account information in the database. This process is performed automatically in the background. The latest account information is aggregated to calculate total assets, and the calculation results are stored in the database. The device periodically retrieves the latest total asset data from the server and displays it to the user. By opening the asset status screen in the app, the user can check their total assets and detailed information for each account in real time.

[0613] Financial plan proposals using generative AI

[0614] The user taps the "Set Life Plan" button in the app and enters their goals, such as "I want to buy a house in 10 years" or "I want to save for my children's education in five years." The device then sends the entered life plan information to the server. The server uses this information and current total assets to generate an optimal financial plan using a generative artificial intelligence model (such as OpenAI's GPT-4 model). The generated plan includes specific savings plans and investment strategies. The plan is then sent from the server to the device and displayed to the user. The user can review the proposed plan and implement specific action plans.

[0615] Specific examples

[0616] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp the total amount of assets at a glance. Furthermore, if a user sets a goal such as "I want to buy a car in five years," the server will use a generative AI model to propose the optimal savings plan and investment strategy to achieve that goal.

[0617] Prompt Sentence Examples

[0618] An example of an input prompt for a generative AI model might be:

[0619] "Please suggest the best savings and investment strategy for purchasing a car in the next five years."

[0620] "I would like to buy a house in 10 years. Please tell me the best financial plan based on my current asset situation."

[0621] "Make a plan to save for your child's education over a five-year period."

[0622] The above is a specific description of the "Mode for Carrying Out the Invention."

[0623] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0624] Step 1: User Registration and Authentication

[0625] Step 1.1 - User Registration

[0626] The user installs the application, opens the new user registration screen, enters their name, email address, and password, and taps the "Register" button.

[0627] The terminal transmits the input user information to the server.

[0628] The server validates the received user information, and if validation is successful, saves it in the database and notifies the terminal that saving is complete.

[0629] Input: Name, Email Address, Password

[0630] Data processing or data calculation: input data validation, format check using regular expressions

[0631] Output: User information saving status (success or failure)

[0632] Step 1.2 - User Authentication

[0633] The user goes to the login screen, enters their email address and password, and taps the "Login" button.

[0634] The terminal transmits the input authentication information to the server.

[0635] The server checks the received authentication information against the database, and if it matches, it creates a session and allows the user to log in. It then notifies the terminal of the authentication result.

[0636] Input: Email address, Password

[0637] Data manipulation or data calculation: database lookup of authentication information, generation of session tokens

[0638] Output: Authentication result (success or failure), session information

[0639] Step 2: Collaboration with financial institutions

[0640] Step 2.1 - Start collaborating with financial institutions

[0641] Users tap the "Financial Institution Link" button within the app and select the financial institution they want to link with.

[0642] The terminal displays the login screen of the selected financial institution.

[0643] Input: Select financial institution

[0644] Output: Login screen displayed

[0645] Step 2.2 - Enter your login details

[0646] The user enters their financial institution's login information (user ID, password, etc.) and authorizes the connection.

[0647] The terminal transmits the entered login information to the server.

[0648] The server calls the financial institution's API and performs authentication. If authentication is successful, it obtains the account information and stores it in the database. It also sets up periodic updates of the account information.

[0649] Input: Financial institution login information

[0650] Data processing or data calculation: Calling financial institution APIs, obtaining and storing account information

[0651] Output: Account information storage status, periodic update settings

[0652] Step 3: Calculate and consolidate assets

[0653] Step 3.1 - Data Acquisition and Update

[0654] The server periodically updates the financial institution account information in its database, a process that occurs automatically in the background.

[0655] Input: Timing of periodic updates

[0656] Data processing or data calculation: Retrieving data by calling financial institution APIs and updating databases

[0657] Output: Updated account information

[0658] Step 3.2 – Calculate Total Assets

[0659] The server aggregates the latest account information to calculate total assets and stores the calculation results in a database.

[0660] Input: Multiple account information

[0661] Data processing or data calculation: data aggregation, calculation of total values

[0662] Output: Calculated total assets

[0663] Step 3.3 - View your assets

[0664] The device retrieves the latest total asset data from the server and displays it to the user. The user can then open the asset status screen in the app to check their total assets and detailed information for each account in real time.

[0665] Input: Calculated total assets

[0666] Output: Total assets and detailed information

[0667] Step 4: Generative AI proposes a financial plan

[0668] Step 4.1 - Enter your life plan

[0669] Users tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[0670] The terminal transmits the input life plan information to the server.

[0671] Input: Life plan information

[0672] Output: Send data to the server

[0673] Step 4.2 - Generate a Financial Plan

[0674] The server uses a generative AI model (such as OpenAI's GPT-4 model) based on the life plan information and total asset information to generate an optimal financial plan, which includes specific savings plans and investment strategies.

[0675] Input: Life plan information, total assets information

[0676] Data processing or data calculation: Generative AI model to generate plans

[0677] Output: Optimal financial plan

[0678] Step 4.3 - View your plan

[0679] The terminal retrieves the proposed financial plan from the server and displays it to the user, who can then confirm the plan and implement specific action plans.

[0680] Input: Proposed Financial Plan

[0681] Output: Display of financial plan

[0682] (Application example 1)

[0683] 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."

[0684] Conventional financial planning systems could only obtain account information from individual financial institutions, making it difficult to manage it in an integrated manner. Furthermore, they were inadequate in proposing savings plans and investment strategies tailored to users' life plans, preventing users from obtaining specific measures to effectively achieve their financial goals. This meant that users' needs for integrated management of asset information dispersed across multiple financial institutions and obtaining effective plans to achieve their financial goals could not be met.

[0685] 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.

[0686] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting the user's future goals and life plan information, means for proposing a financial plan using a generative artificial intelligence model based on the total assets and life plan information, means for displaying the proposed financial plan, means for setting financial goals based on the user's life events, and means for proposing a savings plan and investment strategy based on the financial goals. This enables the user to integrate and manage asset information across multiple financial institutions in real time and receive optimal financial plan proposals using a generative artificial intelligence model.

[0687] "Account information at multiple financial institutions" refers to information about assets and liabilities held by a user related to multiple financial institutions.

[0688] "Total assets" refers to the total amount of a user's personal assets calculated by adding together the account information of multiple financial institutions obtained.

[0689] "Life plan information" is information about the goals and plans that the user wants to achieve in the future.

[0690] A "generative artificial intelligence model" is a model that uses artificial intelligence to propose a numerically and algorithmically optimal financial plan based on input data.

[0691] A "financial plan" is a financial plan that includes appropriate savings plans and investment strategies based on the user's asset status and life plan information.

[0692] "User life event-based financial goals" are specific financial goals that a user sets for a particular life milestone or plan (e.g., buying a home, children's education, retirement).

[0693] A "savings plan" is a plan that specifies the amount and method of savings a user needs to achieve their financial goals.

[0694] "Investment Strategy" refers to the investment methods and policies used to manage a user's assets and achieve their goals.

[0695] "Periodic automatic execution" means that the system operates automatically at set intervals to perform specific tasks (e.g., updating account information, recalculating total assets).

[0696] "Real-time" means that data and information are processed immediately and provided to users quickly, without delay.

[0697] A "smartphone" is a type of mobile phone, a small, portable electronic device with multiple functions and Internet connectivity.

[0698] This system acquires account information from multiple financial institutions, calculates total assets based on that information, and then uses a generative artificial intelligence model to propose a financial plan tailored to the user's life plan. This system consists of a user device (smartphone, tablet, computer, etc.) and a server.

[0699] Users access the system using a terminal and enter their account information and life plan information. The information entered by the user is sent from the terminal to a server, which processes the information and calculates total assets. The server stores the acquired information in a database and periodically updates it.

[0700] The server aggregates account information from multiple financial institutions and calculates total assets, allowing users to check their overall asset status in real time. Furthermore, when users input their life plan information, the server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's current asset status and life plan information. This generated plan includes specific savings plans and investment strategies.

[0701] Users install the smartphone application and register as a new user. After entering their name, email address, and password, they are taken to the login screen where they can enter their login information to access the system. Within the app, users tap the "Financial Institution Link" button, select the financial institution they want to link with, and enter their login information to authorize the link.

[0702] The terminal retrieves information by calling the financial institution's API based on the information entered by the user and sends it to the server. The server stores the account information retrieved from the financial institution in a database and updates it regularly. This ensures that the user's total assets are always up to date.

[0703] When a user taps the "Set Life Plan" button and enters a goal, such as "I want to buy a house in 10 years," the information is sent from the device to the server. The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's current asset situation and life plan information. The generated plan is displayed on the user's smartphone, allowing them to check the specific action plan.

[0704] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp the total amount of assets at a glance. Furthermore, if a user sets a goal such as "I want to buy a car in five years," the server will use a generative artificial intelligence model to propose the optimal savings plan and investment strategy to achieve that goal. This allows users to plan efficiently and effectively toward their financial goals.

[0705] An example of a specific prompt sentence is, "The user's current total assets are X yen. Please suggest the optimal savings plan and investment strategy to save 5 million yen in 10 years."

[0706] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0707] Step 1:

[0708] User Registration and Authentication

[0709] The user installs the application and registers as a new user. The input data is name, email address, and password. This is sent from the terminal to the server. The server validates the received user information and stores it in a database. If registration is successful, an authentication message from the server is sent back to the terminal, which notifies the user. The user then accesses the system from the login screen.

[0710] Step 2:

[0711] Financial institution collaboration

[0712] The user taps the "Financial Institution Link" button in the app, selects the financial institution they want to link with, and enters the financial institution's login information. This input data is sent from the device to the server. The server uses this information to call the financial institution's API, obtains account information, and stores it in a database. The account information is updated periodically as needed.

[0713] Step 3:

[0714] Calculating total assets

[0715] The server aggregates account information from multiple financial institutions in a database and calculates total assets. The input data is the account information from each financial institution. The server adds up this data and calculates total assets. The calculation results are saved in the database and updated periodically by automatic execution.

[0716] Step 4:

[0717] Setting a life plan

[0718] Users tap the "Set Life Plan" button in the app and enter their life events and financial goals. For example, "I want to buy a house in 10 years." This input data is sent from the device to the server, which then stores the received life plan information in a database.

[0719] Step 5:

[0720] Generate a financial plan

[0721] The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's total assets and life plan information. The input data is the user's total assets and life plan information. The AI ​​model analyzes this data and generates an optimal savings plan and investment strategy. This plan is then stored in a database.

[0722] Step 6:

[0723] View Financial Plan

[0724] The server sends the generated financial plan to the user's device, which then displays the plan to the user, allowing the user to review the plan details and plan specific actions.

[0725] Specifically, the total assets calculation aggregates the balance data of each account and calculates the total value. The generated plan presentation uses a generative AI model to analyze the user's current situation and goals, and proposes optimal savings and investment strategies in real time. This allows users to quickly understand the necessary actions and efficiently create a plan to achieve their financial goals.

[0726] Prompt Sentence Examples

[0727] The user's current total assets are X yen. Please suggest the optimal savings plan and investment strategy to save 5 million yen in 10 years.

[0728] 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.

[0729] ---

[0730] This system acquires account information from multiple financial institutions, calculates total assets, and proposes financial plans tailored to the user's life plan. Furthermore, by combining it with an emotion engine that recognizes the user's emotions, it is possible to propose plans and present information that take into account the user's psychological state.

[0731] System Overview

[0732] The system consists of a user device (smartphone, tablet, computer, etc.) and a server. Users access the system using their device and enter account information and life plan information. The server processes this information, calculates total assets, and uses a generative artificial intelligence model to propose an appropriate financial plan. In addition, an emotion engine recognizes emotions based on the user's input and actions, and provides this information to the server.

[0733] User Registration and Authentication

[0734] User: Install the application and register as a new user. Enter your name, email address, and password, then tap the "Register" button. After registration, you will be taken to the login screen where you can enter your login information to access the system.

[0735] Terminal: Sends the user's input information to the server. Receives an authentication message from the server that has received the registration information and notifies the user.

[0736] Server: Validates the received user information and stores it in the database. When a user logs in, verifies the credentials and grants access.

[0737] Collaboration with financial institutions

[0738] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[0739] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends that information to the server.

[0740] Server: Has the function of storing account information obtained from financial institutions in a database and updating it regularly.

[0741] Emotion recognition with emotion engine

[0742] User: Accesses the system and performs normal operations. During this process, the emotion engine monitors the user's input and actions.

[0743] Emotion engine (on-device): Analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction). The results are sent to the server.

[0744] Server: Processes the emotion information received from the emotion engine and stores it in a database.

[0745] Asset calculation and consolidation

[0746] Server: Aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is performed automatically on a regular basis (e.g., daily) to reflect the latest asset status.

[0747] Terminal: Displays the total asset data obtained from the server, allowing users to check their overall asset status in real time.

[0748] Financial plan proposals using generative AI

[0749] User: Tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[0750] Terminal: Sends the entered life plan information to the server.

[0751] Server: Using a generative AI model, the server generates an optimal financial plan based on the user's current financial situation, life plan information, and emotional information. The generated plan includes specific savings plans and investment strategies.

[0752] Terminal: The server displays the proposed financial plan to the user. The method and timing of information presentation can be dynamically adjusted based on the user's emotional state.

[0753] Specific examples

[0754] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp their total assets at a glance. Furthermore, if a user sets a goal of "buying a car in five years," the server uses a generative AI model to suggest the optimal savings plan and investment strategy to achieve that goal. During this process, the emotion engine recognizes the user's emotions, and if the user is feeling stressed, it can change the way information is presented to reduce the user's burden.

[0755] The above is a specific description of the "Mode for Carrying Out the Invention."

[0756] The processing flow will be explained below.

[0757] ---

[0758] Step 1:

[0759] User: Install and launch the app. Tap the "Sign Up" button, enter your name, email address, and password, and tap the "Register" button.

[0760] Step 2:

[0761] Terminal: Sends the user's input information to the server, checks the communication status, and waits until the transmission is complete.

[0762] Step 3:

[0763] Server: Validate the received user information, ensuring that the information is in the correct format and that all required fields are present. Save the validated information to the database.

[0764] Step 4:

[0765] Server: Generates a registration success message and sends it to the device, notifying it that the user account has been created.

[0766] Step 5:

[0767] Device: Receives and displays a registration completion message to the user. The user is then directed to the login screen and enters their login details.

[0768] Step 6:

[0769] Terminal: Sends the entered login information to the server.

[0770] Step 7:

[0771] Server: Authenticates the received login information. If authentication is successful, creates a session and sends an authentication success message and session information to the terminal.

[0772] Step 8:

[0773] Terminal: Receives a successful authentication message and notifies the user that login is complete.

[0774] Step 9:

[0775] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[0776] Step 10:

[0777] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends the obtained information to the server.

[0778] Step 11:

[0779] Server: Stores the account information obtained from financial institutions in a database. If the information needs to be updated, schedules it to be updated periodically.

[0780] Step 12:

[0781] Server: Aggregates account information from multiple financial institutions in a database and calculates total assets for each user.

[0782] Step 13:

[0783] Terminal: Displays the total asset data received from the server on the user interface, allowing users to check their asset status in real time.

[0784] Step 14:

[0785] User: Tap the "Life Plan Settings" button within the app, enter their future goals and life plan information, and tap the "Save" button.

[0786] Step 15:

[0787] Terminal: Sends the entered life plan information to the server.

[0788] Step 16:

[0789] Server: Passes the received life plan information to a generative AI model, which generates an optimal financial plan based on the user's current financial situation and goals.

[0790] Step 17:

[0791] Server: Sends the generated financial plan to the device.

[0792] Step 18:

[0793] Terminal: Displays the received financial plan on the user interface, providing the user with specific savings plans and investment strategies.

[0794] Step 19:

[0795] User: Accesses the system and performs normal operations. During this process, the emotion engine monitors the user's input and actions.

[0796] Step 20:

[0797] Emotion engine (on-device): Analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction). The results are sent to the server.

[0798] Step 21:

[0799] Server: Processes the emotion information received from the emotion engine and stores it in a database. Periodically updates the emotion data and provides it to the model to reflect the emotion information in financial plan generation.

[0800] Step 22:

[0801] Server: Dynamically adjusts how the user's asset and life plan information is presented based on emotional information. For example, if the user is under high stress, the timing of information presentation can be adjusted or the information can be presented in an easy-to-understand format.

[0802] Step 23:

[0803] Device: Based on instructions from the server, present information to the user in an appropriate manner. By using messages and visual representations that correspond to the user's emotional state, the device improves user understanding and satisfaction.

[0804] Step 24:

[0805] Server: Periodically (e.g. monthly) checks the user's financial situation and progress towards their life plan, generates necessary advice, and sends the advice to the device.

[0806] Step 25:

[0807] On the device: Notify the user when there is new advice or status updates, allowing the user to view the new advice.

[0808] The above are the specific processing steps of the system.

[0809] Example 2

[0810] 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."

[0811] Conventional financial planning systems can aggregate a user's account information from multiple financial institutions to calculate their total assets and make proposals based on their life plan, but they are unable to take the user's emotional state into consideration. This has resulted in problems where the system is not effective enough when users are prone to stress or when flexible information provision according to the situation is required. Furthermore, there is no way to grasp the user's emotional state and present information at the appropriate time, making it difficult to improve user satisfaction.

[0812] 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.

[0813] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting information about the user's future goals and life plan, means for proposing a financial plan using a generative artificial intelligence model based on the total assets and life plan information, means for acquiring and recognizing information about the user's emotions, means for dynamically adjusting the method and timing of presenting information based on the proposed financial plan and the user's emotional information, and means for displaying the proposed financial plan. This makes it possible to propose an optimal financial plan at an appropriate time while taking into consideration the user's emotional state.

[0814] "Means for obtaining account information from multiple financial institutions" refers to a mechanism for obtaining account information from each financial institution using the APIs of multiple financial institutions to which the user has authorized connection.

[0815] The "means of aggregating acquired account information and calculating total assets" refers to an algorithm or system for centrally managing account information acquired from each financial institution and calculating a user's total assets.

[0816] "Means for inputting user's future goals and life plan information" refers to an interface that allows a user to input information about their goals and life plans (e.g., buying a house, buying a car, saving for education, etc.) into the system.

[0817] The "means for proposing financial plans using a generative artificial intelligence model" is a system for generating and proposing optimal financial plans using a generative artificial intelligence model based on the acquired total asset data and the user's life plan information.

[0818] "Means for acquiring and recognizing user emotional information" refers to a system that analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction).

[0819] "Means for dynamically adjusting the method and timing of information presentation based on the proposed financial plan and the user's emotional information" refers to a mechanism for dynamically changing the method and timing of information presentation in accordance with the user's psychological state, based on the generated financial plan and the user's emotional information.

[0820] The "means for displaying the proposed financial plan" is a display interface for presenting the optimal financial plan to the user in an easy-to-view format.

[0821] MODE FOR CARRYING OUT THE INVENTION

[0822] System Overview

[0823] The present invention is a system that proposes a financial plan based on a user's life plan. The system consists of a user terminal (smartphone, tablet, computer, etc.) and a server. The user accesses the system using the terminal and inputs account information and life plan information. The server processes this information, calculates total assets, and proposes an appropriate financial plan using a generative artificial intelligence model. In addition, an emotion engine recognizes the user's emotional information and dynamically adjusts the plan proposals and the method of presenting information based on that information.

[0824] User Registration and Authentication

[0825] User: Installs the application and registers as a new user. The user enters their name, email address, and password and taps the "Register" button. After registration, a verification email is sent and the user completes verification by clicking the link in the email. After that, the user enters their email address and password on the login screen to access the system.

[0826] Terminal: Sends the information entered by the user to the server. Receives an authentication message from the server and notifies the user.

[0827] Server: Validates the received user information and stores it in the database. When a user logs in, the authentication information is verified and access is granted.

[0828] Collaboration with financial institutions

[0829] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter your financial institution login information (user ID and password), and authorize the link.

[0830] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends that information to the server.

[0831] Server: Has the function of storing account information obtained from financial institutions in a database and updating it regularly.

[0832] Emotion recognition with emotion engine

[0833] User: Accesses the system and performs normal operations. During this process, the emotion engine monitors the user's input and actions.

[0834] Emotion engine (on-device): Analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction). The results are sent to the server.

[0835] Server: Processes the emotion information received from the emotion engine and stores it in a database.

[0836] Asset calculation and consolidation

[0837] Server: Periodically aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is automatically performed periodically (e.g., daily).

[0838] Terminal: Displays the latest total asset data retrieved from the server.

[0839] Users: can check their overall asset status in real time.

[0840] Financial plan proposals using generative AI

[0841] User: Tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[0842] Terminal: Sends the entered life plan information to the server.

[0843] Server: Using a generative AI model, the server generates an optimal financial plan based on the user's current financial situation, life plan information, and emotional information. The generated plan includes specific savings plans and investment strategies.

[0844] Terminal: The server displays the proposed financial plan to the user. The method and timing of information presentation can be dynamically adjusted based on the user's emotional state.

[0845] Specific examples

[0846] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and show their total assets at a glance. Furthermore, if a user sets a goal of "buying a car in five years," the server will use a generative AI model to suggest the optimal savings plan and investment strategy to achieve that goal. During this process, an emotion engine recognizes the user's emotions, and if the user is feeling stressed, it can change the way information is presented to reduce the user's burden.

[0847] Prompt Sentence Examples

[0848] "Based on my current financial situation, please suggest the best savings plan and investment strategy for buying a car in five years' time. Please take into account the user's emotional state."

[0849] The above is a specific description of the "Mode for Carrying Out the Invention."

[0850] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0851] Program processing steps

[0852] Step 1: User Registration and Authentication

[0853] 1. User: Install the application and register as a new user. Enter your name, email address, and password, then tap the "Register" button.

[0854] Input: Name, Email Address, Password

[0855] Action: Enter registration information

[0856] Output: Registration request message

[0857] 2. Terminal: Sends the information entered by the user to the server.

[0858] Input: Registration request message

[0859] Action: Send data to server

[0860] Output: Sending confirmation message

[0861] 3. Server: Validates the received registration information, stores it in a database, sends a verification email and provides a link to the user to complete registration.

[0862] Input: Registration request message

[0863] Actions: Validate data, save to database, send authentication email

[0864] Output: Verification email

[0865] 4. User: Click the link in the verification email to verify, then enter your email address and password on the login screen to access the system.

[0866] Input: Verification link, email address, password

[0867] Action: Click authentication link, enter login information

[0868] Output: Authentication complete screen, login complete screen

[0869] Step 2: Obtain your financial institution account information

[0870] 1. User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information (user ID and password), and authorize the link.

[0871] Input: Select affiliated financial institution, login information

[0872] Action: Enter information, allow connection

[0873] Output: Integration request message

[0874] 2. Terminal: The user enters their financial institution login information and sends it to the server.

[0875] Input: Connection request message

[0876] Action: Send data to server

[0877] Output: Sending confirmation message

[0878] 3. Server: Based on the received information, it calls the financial institution's API and obtains account information (balance, transaction history, etc.).

[0879] Input: Connection request message

[0880] Action: Call API, get account information

[0881] Output: Account data

[0882] 4. Server: Has the function of storing the acquired account information in a database and updating it periodically.

[0883] Input: Account data

[0884] Operation: Database saving, periodic update setting

[0885] Output: Update confirmation message

[0886] Step 3: Acquiring emotional information

[0887] 1. User: Accesses the system and performs normal operations (e.g., viewing asset information, entering life plans, etc.).

[0888] Input: Operation data

[0889] Action: Operation

[0890] Output: Operation log

[0891] 2. Emotion engine (in-device): Analyzes user operation data (input speed, frequency, type of operation) in real time.

[0892] Input: Operation Log

[0893] Action: Data analysis

[0894] Output: Emotional state data

[0895] 3. Emotion engine: Recognizes the user's emotional state (stress level, satisfaction level) and sends the results to the server.

[0896] Input: Emotional state data

[0897] Action: Send data

[0898] Output: Emotional information message

[0899] 4. Server: Stores the received emotion information in a database.

[0900] Input: Emotional information message

[0901] Action: Save to database

[0902] Output: Save confirmation message

[0903] Step 4: Asset aggregation and calculation

[0904] 1. Server: Periodically aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is performed automatically on a regular basis (daily).

[0905] Input: Financial institution account information

[0906] Operation: Data aggregation, total asset calculation

[0907] Output: Total assets data

[0908] 2. Terminal: Displays the latest total asset data obtained from the server.

[0909] Input: Total Assets Data

[0910] Operation: Data acquisition and display

[0911] Output: Total assets display screen

[0912] 3. Users: Check their overall asset status in real time.

[0913] Input: Total assets data displayed

[0914] Operation: Confirm

[0915] Output: Asset situation awareness

[0916] Step 5: Enter your life plan

[0917] 1. User: Tap the "Set Life Plan" button within the app and enter their goal (e.g., "I want to buy a house in 10 years" or "I want to save money for my child's education in 5 years").

[0918] Input: Life plan information

[0919] Action: Enter information

[0920] Output: Life plan input data

[0921] 2. Terminal: Sends the entered life plan information to the server.

[0922] Input: Life plan input data

[0923] Action: Send data to server

[0924] Output: Sending confirmation message

[0925] Step 6: Generative AI proposes a financial plan

[0926] 1. Server: Using a generative artificial intelligence model, the server generates an optimal financial plan based on the user's current asset status, life plan information, and emotional information.

[0927] Input: Total assets data, life plan information, emotional information

[0928] Actions: Data analysis, plan generation

[0929] Output: Financial plan data

[0930] 2. Server: Stores the generated financial plan in a database.

[0931] Input: Financial Plan Data

[0932] Action: Save data

[0933] Output: Save confirmation message

[0934] Step 7: Inform the user

[0935] 1. Terminal: Based on the financial plan proposed by the server, the terminal presents information that takes into account the user's emotional state.

[0936] Input: Financial plan data, sentiment information

[0937] Actions: Information organization, thoughtful presentation

[0938] Output: Proposal display screen

[0939] 2. User: Review the proposed financial plan and select specific actions.

[0940] Input: Proposal display screen

[0941] Action: Confirm, select action

[0942] Output: Action execution data

[0943] Prompt Sentence Examples

[0944] "Based on my current financial situation, please suggest the best savings plan and investment strategy for buying a car in five years' time. Please take into account the user's emotional state."

[0945] The above is a description of the specific processing steps of the system and their detailed operation.

[0946] (Application example 2)

[0947] 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."

[0948] Currently, there are systems that centrally manage account information from multiple financial institutions and calculate total assets, but this alone is insufficient for users to create appropriate financial plans. Furthermore, if a uniform plan is presented without considering the user's psychological state, the user may feel stressed when receiving the information. To solve this issue, a system is needed that recognizes the user's emotions and dynamically adjusts and proposes financial plans according to their psychological state.

[0949] 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.

[0950] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting the user's future goals and life plan information, means for proposing a financial plan using a generative artificial intelligence model based on the total assets and life plan information, means for adjusting the financial plan according to the user's psychological state using an emotion engine that recognizes the user's emotions, and means for displaying the proposed financial plan. This makes it possible to provide an optimal financial plan that places minimal psychological burden on the user based on their total assets and emotional state.

[0951] "Multiple financial institutions" refers collectively to multiple financial service institutions, such as banks, credit unions, and insurance companies, with which a user holds accounts.

[0952] "Account information" refers to information such as account information, transaction history, and balance information held by a user at a financial institution.

[0953] "Total assets" refers to the total value of all assets held by a user, including cash, deposits, stocks, bonds, real estate, etc.

[0954] "Life plan information" is information about a user's future goals and important events, including marriage, home purchase, education funds, retirement plans, etc.

[0955] A "generative artificial intelligence model" is a type of artificial intelligence that has the ability to generate an optimal financial plan based on a user's total assets and life plan information.

[0956] A "financial plan" is a plan for efficiently managing and increasing a user's assets, including savings, investment, and risk management.

[0957] "Emotion engine" is a general term for algorithms and systems that analyze user operation information and input data and recognize the user's psychological state.

[0958] "Mental state" refers to a user's emotional or mental state, including stress, satisfaction, anxiety, etc.

[0959] "Dynamic adjustment" refers to changing the content and proposal method in real time depending on the situation.

[0960] This invention is a system that centrally manages account information from multiple financial institutions, calculates a user's total assets, and proposes a financial plan. Furthermore, it uses an emotion engine that recognizes the user's emotions to dynamically adjust and propose a financial plan according to the user's psychological state.

[0961] System Overview

[0962] The system consists of a server that collects and manages account information from multiple financial institutions, and a device operated by the user (smartphone, tablet, computer, etc.). The server automatically collects the user's account information periodically and calculates and updates their total assets.

[0963] Hardware and Software Configuration

[0964] 1. User Device:

[0965] Smartphone application

[0966] Tablet Applications

[0967] Emotion Recognizer

[0968] Network connectivity features

[0969] 2. Server:

[0970] Database Server

[0971] Application Server

[0972] Generative AI model (Financial Planner)

[0973] API Server

[0974] User Registration and Authentication

[0975] Users install the application on their smartphone or other device and register as new users. After completing registration, they enter their login information to access the system. The device sends the user's input information to the server, which receives and notifies them of an authentication message. The server validates the received information and stores it in a database.

[0976] Collaboration with financial institutions

[0977] The user taps the financial institution linking button and selects the financial institution they wish to link with. They then enter their login information for the financial institution and authorize the linking. The device then calls the financial institution's API based on the entered information and sends the retrieved information to the server. The server then stores this information in a database and updates it periodically.

[0978] Emotion recognition with emotion engine

[0979] The emotion engine monitors the user's input and operations to recognize their emotional state. The device analyzes their emotional state based on the operation data and sends the results to the server, which stores this information in a database.

[0980] Asset calculation and consolidation

[0981] The server aggregates account information from multiple financial institutions in a database and calculates total assets. This calculation is performed automatically on a regular basis to reflect the latest asset status. The terminal displays the total asset data obtained from the server.

[0982] Financial plan proposals using generative AI

[0983] The user taps the life plan setting button and inputs their goal (e.g., "I want to buy a car in five years"). The device sends the input information to the server. The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's total assets, life plan information, and emotional information. The proposed plan includes specific savings plans and investment strategies. The device displays the proposed plan from the server and adjusts the way the information is presented depending on the user's emotional state.

[0984] Specific examples

[0985] For example, if a user has multiple bank accounts and aims to buy a car in five years, the system can aggregate all account information and determine the total assets. If the user inputs "I'm a little stressed about saving," the emotion recognition engine will recognize the emotion and change the way information is presented to the user in a more user-friendly way.

[0986] Example prompts to input to a generative AI model:

[0987] The user's current total assets are $50,000 and their emotion is "a little stressed." Their goal is to buy a car in five years. How should they make a financial plan?

[0988] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0989] Step 1:

[0990] The user installs the application on their device and registers as a new user. They enter their input data (name, email address, password) and tap the registration button. The device sends the input data to the server, which validates the received data and stores it in a database. At this point, user authentication information is created and an authentication message is sent to the device.

[0991] Step 2:

[0992] The user enters login information to access the system. The terminal sends the login information to the server, which then verifies the authentication information and allows access. The user's authentication data is validated, and if authentication is successful, the user's home screen is displayed.

[0993] Step 3:

[0994] The user taps the financial institution linking button and selects the financial institution they wish to link with. They then enter their financial institution login information (username, password) and authorize the linking. The device uses this information to call the financial institution's API and obtain account information. The obtained account information is sent to the server, which stores it in a database.

[0995] Step 4:

[0996] The server periodically retrieves saved account information from multiple financial institutions, maintaining real-time updates of total assets. Periodic data retrieval and updates are performed as scheduled tasks.

[0997] Step 5:

[0998] The user taps the life plan setting button and inputs their future goals (e.g., buying a car in five years). The device sends the input life plan information to the server, where it is stored in a database along with the user's asset data.

[0999] Step 6:

[1000] The emotion recognition engine built into the device analyzes the user's operation data (input speed, frequency, type of operation, etc.) and recognizes the user's emotional state (e.g., stress, satisfaction). The emotion recognition results are sent to the server and stored in a database.

[1001] Step 7:

[1002] The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's total assets, life plan information, and emotional information. During this generation process, data calculations and optimization are performed based on the input data (total assets information, life plan information, emotional information). An optimized financial plan is generated.

[1003] Step 8:

[1004] The proposed financial plan is sent to the device, which then displays it to the user. The way the information is presented is dynamically adjusted according to the user's emotional state. For example, if the user is feeling stressed, the information is presented in a simpler, more understandable format.

[1005] Step 9:

[1006] The user reviews the proposed financial plan and adjusts it as needed. The adjusted plan is then sent back to the server, and the updated data is saved in the database. This process repeats, providing the user with an optimized financial plan as their situation changes.

[1007] 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.

[1008] 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.

[1009] 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.

[1010] [Third embodiment]

[1011] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[1012] 5, the data processing system 310 includes the data processing device 12 and a headset terminal 314. An example of the data processing device 12 is a server.

[1013] 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).

[1014] 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.

[1015] 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.

[1016] 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).

[1017] 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.

[1018] 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.

[1019] 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.

[1020] 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.

[1021] 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.

[1022] 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."

[1023] ---

[1024] The present invention is a system that acquires account information from multiple financial institutions, calculates total assets based on that information, and then uses a generative artificial intelligence model to propose a financial plan tailored to the user's life plan.

[1025] System Overview

[1026] The system consists of a user device (smartphone, tablet, computer, etc.) and a server. Users access the system using their device and enter their account information and life plan information. The server processes this information, calculates their total assets, and uses a generative artificial intelligence model to propose an appropriate financial plan.

[1027] User Registration and Authentication

[1028] User: Install the application and register as a new user. Enter your name, email address, and password, then tap the "Register" button. After registration, you will be taken to the login screen where you can enter your login information to access the system.

[1029] Terminal: Sends the user's input information to the server. Receives an authentication message from the server that has received the registration information and notifies the user.

[1030] Server: Validates the received user information and stores it in the database. When a user logs in, verifies the credentials and grants access.

[1031] Collaboration with financial institutions

[1032] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[1033] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends that information to the server.

[1034] Server: Has the function of storing account information obtained from financial institutions in a database and updating it regularly.

[1035] Asset calculation and consolidation

[1036] Server: Aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is performed automatically on a regular basis (e.g., daily) to reflect the latest asset status.

[1037] Terminal: Displays the total asset data obtained from the server, allowing users to check their overall asset status in real time.

[1038] Financial plan proposals using generative AI

[1039] User: Tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[1040] Terminal: Sends the entered life plan information to the server.

[1041] Server: Using a generative AI model, the server generates an optimal financial plan based on the user's current financial situation and life plan information. The generated plan includes specific savings and investment strategies.

[1042] Terminal: The server displays the proposed financial plan to the user, allowing the user to review specific action plans and plan actions toward their financial goals.

[1043] Specific examples

[1044] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp their total assets at a glance. Furthermore, if a user sets a goal such as "I want to buy a car in five years," the server will use a generative artificial intelligence model to propose the optimal savings plan and investment strategy to achieve that goal. In this way, users can plan efficiently and effectively toward their financial goals.

[1045] The above is a specific description of the "Mode for Carrying Out the Invention."

[1046] The processing flow will be explained below.

[1047] ---

[1048] Step 1:

[1049] User: Install and launch the app. Tap the "Sign Up" button, enter your name, email address, and password, and tap the "Register" button.

[1050] Step 2:

[1051] Terminal: Sends the entered information to the server, checks the communication status, and waits until the transmission is complete.

[1052] Step 3:

[1053] Server: Validate the received user information, checking for correct format and required fields, and save the validated information to the database.

[1054] Step 4:

[1055] Server: Generates a registration success message and sends it to the device, notifying it that the user account has been created.

[1056] Step 5:

[1057] Device: Receives and displays a registration completion message to the user. The user is then directed to the login screen and enters their login details.

[1058] Step 6:

[1059] Terminal: Sends the entered login information to the server.

[1060] Step 7:

[1061] Server: Authenticates the received login information. If authentication is successful, creates a session and sends an authentication success message and session information to the terminal.

[1062] Step 8:

[1063] Terminal: Receives a successful authentication message and notifies the user that login is complete.

[1064] Step 9:

[1065] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[1066] Step 10:

[1067] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends the obtained information to the server.

[1068] Step 11:

[1069] Server: Stores the account information obtained from financial institutions in a database. If the information needs to be updated, schedules it to be updated periodically.

[1070] Step 12:

[1071] Server: Aggregates account information from multiple financial institutions in a database and calculates total assets for each user.

[1072] Step 13:

[1073] Terminal: Displays the total asset data received from the server on the user interface, allowing users to check their asset status in real time.

[1074] Step 14:

[1075] User: Tap the "Life Plan Settings" button within the app, enter their future goals and life plan information, and tap the "Save" button.

[1076] Step 15:

[1077] Terminal: Sends the entered life plan information to the server.

[1078] Step 16:

[1079] Server: Passes the received life plan information to a generative AI model, which generates an optimal financial plan based on the user's current financial situation and goals.

[1080] Step 17:

[1081] Server: Sends the generated financial plan to the device.

[1082] Step 18:

[1083] Terminal: Displays the received financial plan on the user interface, providing the user with specific savings plans and investment strategies.

[1084] Step 19:

[1085] Server: Periodically (e.g. monthly) checks the user's financial situation and progress towards their life plan, generates necessary advice, and sends the advice to the device.

[1086] Step 20:

[1087] On the device: Notify the user when there is new advice or status updates, allowing the user to view the new advice.

[1088] The above are the specific processing steps of the system.

[1089] Example 1

[1090] 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."

[1091] Many people today have accounts at multiple financial institutions, making it difficult to centrally manage this information and understand their own financial situation. Furthermore, creating specific financial plans aimed at future goals requires a great deal of time and expertise. Conventional systems require the manual aggregation and individual management of account information from multiple financial institutions, making it difficult to provide users with optimal financial plans. For this reason, there is a demand for a system that can comprehensively manage a user's financial situation and automatically propose specific financial plans based on future goals.

[1092] 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.

[1093] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting the user's future goals and schedule information, means for proposing a financial plan using a generative AI model based on the total assets and schedule information, and means for displaying the proposed financial plan. This allows users to centrally manage information from multiple financial institutions, and not only can they grasp their own asset status in real time, but they can also automatically obtain a specific and optimal financial plan for their future goals.

[1094] "Account information" is a general term for a user's account information, transaction history, balance information, etc. managed by a financial institution.

[1095] "Total assets" refers to the total amount of assets calculated by aggregating all of a user's account information across multiple financial institutions.

[1096] "Schedule information" is information about goals and plans that the user wants to achieve in the future, such as buying a house or saving for education.

[1097] A "generative AI model" refers to an artificial intelligence algorithm that automatically generates an optimal financial plan based on user input and current asset status.

[1098] "Financial planning" is a proposal of specific savings plans and investment strategies generated based on the user's total assets and schedule information.

[1099] This system acquires account information from multiple financial institutions, calculates total assets based on that information, and then uses a generative artificial intelligence model to propose a financial plan tailored to the user's life plan.The system consists of a user device (smartphone, tablet, computer, etc.) and a server.

[1100] User Registration and Authentication

[1101] First, the user installs the application and opens the new user registration screen. The user enters their name, email address, and password, and taps the "Register" button. Once the input is complete, the device sends this information to the server. The server validates the received user information, and if validation is successful, saves it in a database. Once saving is complete, the server notifies the device. Next, the user moves to the login screen, enters their email address and password, and taps the "Login" button. The entered authentication information is sent from the device to the server. The server compares it with the database, and if it matches, creates a session and allows login. The authentication result is notified to the device, which displays it to the user. If authentication is successful, the user is redirected to the main screen.

[1102] Collaboration with financial institutions

[1103] The user taps the "Financial Institution Link" button in the app and selects the financial institution they want to link with. The device displays the login screen for the selected financial institution. The user enters their financial institution's login information and authorizes the link. The entered login information is sent from the device to the server. The server calls the financial institution's API and performs authentication. If authentication is successful, it obtains the account information and stores it in a database. The server also sets up regular updates of the account information.

[1104] Asset calculation and consolidation

[1105] The server periodically updates the financial institution account information in the database. This process is performed automatically in the background. The latest account information is aggregated to calculate total assets, and the calculation results are stored in the database. The device periodically retrieves the latest total asset data from the server and displays it to the user. By opening the asset status screen in the app, the user can check their total assets and detailed information for each account in real time.

[1106] Financial plan proposals using generative AI

[1107] The user taps the "Set Life Plan" button in the app and enters their goals, such as "I want to buy a house in 10 years" or "I want to save for my children's education in five years." The device then sends the entered life plan information to the server. The server uses this information and current total assets to generate an optimal financial plan using a generative artificial intelligence model (such as OpenAI's GPT-4 model). The generated plan includes specific savings plans and investment strategies. The plan is then sent from the server to the device and displayed to the user. The user can review the proposed plan and implement specific action plans.

[1108] Specific examples

[1109] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp the total amount of assets at a glance. Furthermore, if a user sets a goal such as "I want to buy a car in five years," the server will use a generative AI model to propose the optimal savings plan and investment strategy to achieve that goal.

[1110] Prompt Sentence Examples

[1111] An example of an input prompt for a generative AI model might be:

[1112] "Please suggest the best savings and investment strategy for purchasing a car in the next five years."

[1113] "I would like to buy a house in 10 years. Please tell me the best financial plan based on my current asset situation."

[1114] "Make a plan to save for your child's education over a five-year period."

[1115] The above is a specific description of the "Mode for Carrying Out the Invention."

[1116] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1117] Step 1: User Registration and Authentication

[1118] Step 1.1 - User Registration

[1119] The user installs the application, opens the new user registration screen, enters their name, email address, and password, and taps the "Register" button.

[1120] The terminal transmits the input user information to the server.

[1121] The server validates the received user information, and if validation is successful, saves it in the database and notifies the terminal that saving is complete.

[1122] Input: Name, Email Address, Password

[1123] Data processing or data calculation: input data validation, format check using regular expressions

[1124] Output: User information saving status (success or failure)

[1125] Step 1.2 - User Authentication

[1126] The user goes to the login screen, enters their email address and password, and taps the "Login" button.

[1127] The terminal transmits the input authentication information to the server.

[1128] The server checks the received authentication information against the database, and if it matches, it creates a session and allows the user to log in. It then notifies the terminal of the authentication result.

[1129] Input: Email address, Password

[1130] Data manipulation or data calculation: database lookup of authentication information, generation of session tokens

[1131] Output: Authentication result (success or failure), session information

[1132] Step 2: Collaboration with financial institutions

[1133] Step 2.1 - Start collaborating with financial institutions

[1134] Users tap the "Financial Institution Link" button within the app and select the financial institution they want to link with.

[1135] The terminal displays the login screen of the selected financial institution.

[1136] Input: Select financial institution

[1137] Output: Login screen displayed

[1138] Step 2.2 - Enter your login details

[1139] The user enters their financial institution's login information (user ID, password, etc.) and authorizes the connection.

[1140] The terminal transmits the entered login information to the server.

[1141] The server calls the financial institution's API and performs authentication. If authentication is successful, it obtains the account information and stores it in the database. It also sets up periodic updates of the account information.

[1142] Input: Financial institution login information

[1143] Data processing or data calculation: Calling financial institution APIs, obtaining and storing account information

[1144] Output: Account information storage status, periodic update settings

[1145] Step 3: Calculate and consolidate assets

[1146] Step 3.1 - Data Acquisition and Update

[1147] The server periodically updates the financial institution account information in its database, a process that occurs automatically in the background.

[1148] Input: Timing of periodic updates

[1149] Data processing or data calculation: Retrieving data by calling financial institution APIs and updating databases

[1150] Output: Updated account information

[1151] Step 3.2 – Calculate Total Assets

[1152] The server aggregates the latest account information to calculate total assets and stores the calculation results in a database.

[1153] Input: Multiple account information

[1154] Data processing or data calculation: data aggregation, calculation of total values

[1155] Output: Calculated total assets

[1156] Step 3.3 - View your assets

[1157] The device retrieves the latest total asset data from the server and displays it to the user. The user can then open the asset status screen in the app to check their total assets and detailed information for each account in real time.

[1158] Input: Calculated total assets

[1159] Output: Total assets and detailed information

[1160] Step 4: Generative AI proposes a financial plan

[1161] Step 4.1 - Enter your life plan

[1162] Users tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[1163] The terminal transmits the input life plan information to the server.

[1164] Input: Life plan information

[1165] Output: Send data to the server

[1166] Step 4.2 - Generate a Financial Plan

[1167] The server uses a generative AI model (such as OpenAI's GPT-4 model) based on the life plan information and total asset information to generate an optimal financial plan, which includes specific savings plans and investment strategies.

[1168] Input: Life plan information, total assets information

[1169] Data processing or data calculation: Generative AI model to generate plans

[1170] Output: Optimal financial plan

[1171] Step 4.3 - View your plan

[1172] The terminal retrieves the proposed financial plan from the server and displays it to the user, who can then confirm the plan and implement specific action plans.

[1173] Input: Proposed Financial Plan

[1174] Output: Display of financial plan

[1175] (Application example 1)

[1176] 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."

[1177] Conventional financial planning systems could only obtain account information from individual financial institutions, making it difficult to manage it in an integrated manner. Furthermore, they were inadequate in proposing savings plans and investment strategies tailored to users' life plans, preventing users from obtaining specific measures to effectively achieve their financial goals. This meant that users' needs for integrated management of asset information dispersed across multiple financial institutions and obtaining effective plans to achieve their financial goals could not be met.

[1178] 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.

[1179] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting the user's future goals and life plan information, means for proposing a financial plan using a generative artificial intelligence model based on the total assets and life plan information, means for displaying the proposed financial plan, means for setting financial goals based on the user's life events, and means for proposing a savings plan and investment strategy based on the financial goals. This enables the user to integrate and manage asset information across multiple financial institutions in real time and receive optimal financial plan proposals using a generative artificial intelligence model.

[1180] "Account information at multiple financial institutions" refers to information about assets and liabilities held by a user related to multiple financial institutions.

[1181] "Total assets" refers to the total amount of a user's personal assets calculated by adding together the account information of multiple financial institutions obtained.

[1182] "Life plan information" is information about the goals and plans that the user wants to achieve in the future.

[1183] A "generative artificial intelligence model" is a model that uses artificial intelligence to propose a numerically and algorithmically optimal financial plan based on input data.

[1184] A "financial plan" is a financial plan that includes appropriate savings plans and investment strategies based on the user's asset status and life plan information.

[1185] "User life event-based financial goals" are specific financial goals that a user sets for a particular life milestone or plan (e.g., buying a home, children's education, retirement).

[1186] A "savings plan" is a plan that specifies the amount and method of savings a user needs to achieve their financial goals.

[1187] "Investment Strategy" refers to the investment methods and policies used to manage a user's assets and achieve their goals.

[1188] "Periodic automatic execution" means that the system operates automatically at set intervals to perform specific tasks (e.g., updating account information, recalculating total assets).

[1189] "Real-time" means that data and information are processed immediately and provided to users quickly, without delay.

[1190] A "smartphone" is a type of mobile phone, a small, portable electronic device with multiple functions and Internet connectivity.

[1191] This system acquires account information from multiple financial institutions, calculates total assets based on that information, and then uses a generative artificial intelligence model to propose a financial plan tailored to the user's life plan. This system consists of a user device (smartphone, tablet, computer, etc.) and a server.

[1192] Users access the system using a terminal and enter their account information and life plan information. The information entered by the user is sent from the terminal to a server, which processes the information and calculates total assets. The server stores the acquired information in a database and periodically updates it.

[1193] The server aggregates account information from multiple financial institutions and calculates total assets, allowing users to check their overall asset status in real time. Furthermore, when users input their life plan information, the server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's current asset status and life plan information. This generated plan includes specific savings plans and investment strategies.

[1194] Users install the smartphone application and register as a new user. After entering their name, email address, and password, they are taken to the login screen where they can enter their login information to access the system. Within the app, users tap the "Financial Institution Link" button, select the financial institution they want to link with, and enter their login information to authorize the link.

[1195] The terminal retrieves information by calling the financial institution's API based on the information entered by the user and sends it to the server. The server stores the account information retrieved from the financial institution in a database and updates it regularly. This ensures that the user's total assets are always up to date.

[1196] When a user taps the "Set Life Plan" button and enters a goal, such as "I want to buy a house in 10 years," the information is sent from the device to the server. The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's current asset situation and life plan information. The generated plan is displayed on the user's smartphone, allowing them to check the specific action plan.

[1197] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp the total amount of assets at a glance. Furthermore, if a user sets a goal such as "I want to buy a car in five years," the server will use a generative artificial intelligence model to propose the optimal savings plan and investment strategy to achieve that goal. This allows users to plan efficiently and effectively toward their financial goals.

[1198] An example of a specific prompt sentence is, "The user's current total assets are X yen. Please suggest the optimal savings plan and investment strategy to save 5 million yen in 10 years."

[1199] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1200] Step 1:

[1201] User Registration and Authentication

[1202] The user installs the application and registers as a new user. The input data is name, email address, and password. This is sent from the terminal to the server. The server validates the received user information and stores it in a database. If registration is successful, an authentication message from the server is sent back to the terminal, which notifies the user. The user then accesses the system from the login screen.

[1203] Step 2:

[1204] Financial institution collaboration

[1205] The user taps the "Financial Institution Link" button in the app, selects the financial institution they want to link with, and enters the financial institution's login information. This input data is sent from the device to the server. The server uses this information to call the financial institution's API, obtains account information, and stores it in a database. The account information is updated periodically as needed.

[1206] Step 3:

[1207] Calculating total assets

[1208] The server aggregates account information from multiple financial institutions in a database and calculates total assets. The input data is the account information from each financial institution. The server adds up this data and calculates total assets. The calculation results are saved in the database and updated periodically by automatic execution.

[1209] Step 4:

[1210] Setting a life plan

[1211] Users tap the "Set Life Plan" button in the app and enter their life events and financial goals. For example, "I want to buy a house in 10 years." This input data is sent from the device to the server, which then stores the received life plan information in a database.

[1212] Step 5:

[1213] Generate a financial plan

[1214] The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's total assets and life plan information. The input data is the user's total assets and life plan information. The AI ​​model analyzes this data and generates an optimal savings plan and investment strategy. This plan is then stored in a database.

[1215] Step 6:

[1216] View Financial Plan

[1217] The server sends the generated financial plan to the user's device, which then displays the plan to the user, allowing the user to review the plan details and plan specific actions.

[1218] Specifically, the total assets calculation aggregates the balance data of each account and calculates the total value. The generated plan presentation uses a generative AI model to analyze the user's current situation and goals, and proposes optimal savings and investment strategies in real time. This allows users to quickly understand the necessary actions and efficiently create a plan to achieve their financial goals.

[1219] Prompt Sentence Examples

[1220] The user's current total assets are X yen. Please suggest the optimal savings plan and investment strategy to save 5 million yen in 10 years.

[1221] 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.

[1222] ---

[1223] This system acquires account information from multiple financial institutions, calculates total assets, and proposes financial plans tailored to the user's life plan. Furthermore, by combining it with an emotion engine that recognizes the user's emotions, it is possible to propose plans and present information that take into account the user's psychological state.

[1224] System Overview

[1225] The system consists of a user device (smartphone, tablet, computer, etc.) and a server. Users access the system using their device and enter account information and life plan information. The server processes this information, calculates total assets, and uses a generative artificial intelligence model to propose an appropriate financial plan. In addition, an emotion engine recognizes emotions based on the user's input and actions, and provides this information to the server.

[1226] User Registration and Authentication

[1227] User: Install the application and register as a new user. Enter your name, email address, and password, then tap the "Register" button. After registration, you will be taken to the login screen where you can enter your login information to access the system.

[1228] Terminal: Sends the user's input information to the server. Receives an authentication message from the server that has received the registration information and notifies the user.

[1229] Server: Validates the received user information and stores it in the database. When a user logs in, verifies the credentials and grants access.

[1230] Collaboration with financial institutions

[1231] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[1232] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends that information to the server.

[1233] Server: Has the function of storing account information obtained from financial institutions in a database and updating it regularly.

[1234] Emotion recognition with emotion engine

[1235] User: Accesses the system and performs normal operations. During this process, the emotion engine monitors the user's input and actions.

[1236] Emotion engine (on-device): Analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction). The results are sent to the server.

[1237] Server: Processes the emotion information received from the emotion engine and stores it in a database.

[1238] Asset calculation and consolidation

[1239] Server: Aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is performed automatically on a regular basis (e.g., daily) to reflect the latest asset status.

[1240] Terminal: Displays the total asset data obtained from the server, allowing users to check their overall asset status in real time.

[1241] Financial plan proposals using generative AI

[1242] User: Tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[1243] Terminal: Sends the entered life plan information to the server.

[1244] Server: Using a generative AI model, the server generates an optimal financial plan based on the user's current financial situation, life plan information, and emotional information. The generated plan includes specific savings plans and investment strategies.

[1245] Terminal: The server displays the proposed financial plan to the user. The method and timing of information presentation can be dynamically adjusted based on the user's emotional state.

[1246] Specific examples

[1247] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp their total assets at a glance. Furthermore, if a user sets a goal of "buying a car in five years," the server uses a generative AI model to suggest the optimal savings plan and investment strategy to achieve that goal. During this process, the emotion engine recognizes the user's emotions, and if the user is feeling stressed, it can change the way information is presented to reduce the user's burden.

[1248] The above is a specific description of the "Mode for Carrying Out the Invention."

[1249] The processing flow will be explained below.

[1250] ---

[1251] Step 1:

[1252] User: Install and launch the app. Tap the "Sign Up" button, enter your name, email address, and password, and tap the "Register" button.

[1253] Step 2:

[1254] Terminal: Sends the user's input information to the server, checks the communication status, and waits until the transmission is complete.

[1255] Step 3:

[1256] Server: Validate the received user information, ensuring that the information is in the correct format and that all required fields are present. Save the validated information to the database.

[1257] Step 4:

[1258] Server: Generates a registration success message and sends it to the device, notifying it that the user account has been created.

[1259] Step 5:

[1260] Device: Receives and displays a registration completion message to the user. The user is then directed to the login screen and enters their login details.

[1261] Step 6:

[1262] Terminal: Sends the entered login information to the server.

[1263] Step 7:

[1264] Server: Authenticates the received login information. If authentication is successful, creates a session and sends an authentication success message and session information to the terminal.

[1265] Step 8:

[1266] Terminal: Receives a successful authentication message and notifies the user that login is complete.

[1267] Step 9:

[1268] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[1269] Step 10:

[1270] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends the obtained information to the server.

[1271] Step 11:

[1272] Server: Stores the account information obtained from financial institutions in a database. If the information needs to be updated, schedules it to be updated periodically.

[1273] Step 12:

[1274] Server: Aggregates account information from multiple financial institutions in a database and calculates total assets for each user.

[1275] Step 13:

[1276] Terminal: Displays the total asset data received from the server on the user interface, allowing users to check their asset status in real time.

[1277] Step 14:

[1278] User: Tap the "Life Plan Settings" button within the app, enter their future goals and life plan information, and tap the "Save" button.

[1279] Step 15:

[1280] Terminal: Sends the entered life plan information to the server.

[1281] Step 16:

[1282] Server: Passes the received life plan information to a generative AI model, which generates an optimal financial plan based on the user's current financial situation and goals.

[1283] Step 17:

[1284] Server: Sends the generated financial plan to the device.

[1285] Step 18:

[1286] Terminal: Displays the received financial plan on the user interface, providing the user with specific savings plans and investment strategies.

[1287] Step 19:

[1288] User: Accesses the system and performs normal operations. During this process, the emotion engine monitors the user's input and actions.

[1289] Step 20:

[1290] Emotion engine (on-device): Analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction). The results are sent to the server.

[1291] Step 21:

[1292] Server: Processes the emotion information received from the emotion engine and stores it in a database. Periodically updates the emotion data and provides it to the model to reflect the emotion information in financial plan generation.

[1293] Step 22:

[1294] Server: Dynamically adjusts how the user's asset and life plan information is presented based on emotional information. For example, if the user is under high stress, the timing of information presentation can be adjusted or the information can be presented in an easy-to-understand format.

[1295] Step 23:

[1296] Device: Based on instructions from the server, present information to the user in an appropriate manner. By using messages and visual representations that correspond to the user's emotional state, the device improves user understanding and satisfaction.

[1297] Step 24:

[1298] Server: Periodically (e.g. monthly) checks the user's financial situation and progress towards their life plan, generates necessary advice, and sends the advice to the device.

[1299] Step 25:

[1300] On the device: Notify the user when there is new advice or status updates, allowing the user to view the new advice.

[1301] The above are the specific processing steps of the system.

[1302] Example 2

[1303] Next, a description will be given of Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the headset type terminal 314 will be referred to as a "terminal."

[1304] Conventional financial planning systems can aggregate a user's account information from multiple financial institutions to calculate their total assets and make proposals based on their life plan, but they are unable to take the user's emotional state into consideration. This has resulted in problems where the system is not effective enough when users are prone to stress or when flexible information provision according to the situation is required. Furthermore, there is no way to grasp the user's emotional state and present information at the appropriate time, making it difficult to improve user satisfaction.

[1305] 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.

[1306] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting information about the user's future goals and life plan, means for proposing a financial plan using a generative artificial intelligence model based on the total assets and life plan information, means for acquiring and recognizing information about the user's emotions, means for dynamically adjusting the method and timing of presenting information based on the proposed financial plan and the user's emotional information, and means for displaying the proposed financial plan. This makes it possible to propose an optimal financial plan at an appropriate time while taking into consideration the user's emotional state.

[1307] "Means for obtaining account information from multiple financial institutions" refers to a mechanism for obtaining account information from each financial institution using the APIs of multiple financial institutions to which the user has authorized connection.

[1308] The "means of aggregating acquired account information and calculating total assets" refers to an algorithm or system for centrally managing account information acquired from each financial institution and calculating a user's total assets.

[1309] "Means for inputting user's future goals and life plan information" refers to an interface that allows a user to input information about their goals and life plans (e.g., buying a house, buying a car, saving for education, etc.) into the system.

[1310] The "means for proposing financial plans using a generative artificial intelligence model" is a system for generating and proposing optimal financial plans using a generative artificial intelligence model based on the acquired total asset data and the user's life plan information.

[1311] "Means for acquiring and recognizing user emotional information" refers to a system that analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction).

[1312] "Means for dynamically adjusting the method and timing of information presentation based on the proposed financial plan and the user's emotional information" refers to a mechanism for dynamically changing the method and timing of information presentation in accordance with the user's psychological state, based on the generated financial plan and the user's emotional information.

[1313] The "means for displaying the proposed financial plan" is a display interface for presenting the optimal financial plan to the user in an easy-to-view format.

[1314] MODE FOR CARRYING OUT THE INVENTION

[1315] System Overview

[1316] The present invention is a system that proposes a financial plan based on a user's life plan. The system consists of a user terminal (smartphone, tablet, computer, etc.) and a server. The user accesses the system using the terminal and inputs account information and life plan information. The server processes this information, calculates total assets, and proposes an appropriate financial plan using a generative artificial intelligence model. In addition, an emotion engine recognizes the user's emotional information and dynamically adjusts the plan proposals and the method of presenting information based on that information.

[1317] User Registration and Authentication

[1318] User: Installs the application and registers as a new user. The user enters their name, email address, and password and taps the "Register" button. After registration, a verification email is sent and the user completes verification by clicking the link in the email. After that, the user enters their email address and password on the login screen to access the system.

[1319] Terminal: Sends the information entered by the user to the server. Receives an authentication message from the server and notifies the user.

[1320] Server: Validates the received user information and stores it in the database. When a user logs in, the authentication information is verified and access is granted.

[1321] Collaboration with financial institutions

[1322] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter your financial institution login information (user ID and password), and authorize the link.

[1323] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends that information to the server.

[1324] Server: Has the function of storing account information obtained from financial institutions in a database and updating it regularly.

[1325] Emotion recognition with emotion engine

[1326] User: Accesses the system and performs normal operations. During this process, the emotion engine monitors the user's input and actions.

[1327] Emotion engine (on-device): Analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction). The results are sent to the server.

[1328] Server: Processes the emotion information received from the emotion engine and stores it in a database.

[1329] Asset calculation and consolidation

[1330] Server: Periodically aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is automatically performed periodically (e.g., daily).

[1331] Terminal: Displays the latest total asset data retrieved from the server.

[1332] Users: can check their overall asset status in real time.

[1333] Financial plan proposals using generative AI

[1334] User: Tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[1335] Terminal: Sends the entered life plan information to the server.

[1336] Server: Using a generative AI model, the server generates an optimal financial plan based on the user's current financial situation, life plan information, and emotional information. The generated plan includes specific savings plans and investment strategies.

[1337] Terminal: The server displays the proposed financial plan to the user. The method and timing of information presentation can be dynamically adjusted based on the user's emotional state.

[1338] Specific examples

[1339] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and show their total assets at a glance. Furthermore, if a user sets a goal of "buying a car in five years," the server will use a generative AI model to suggest the optimal savings plan and investment strategy to achieve that goal. During this process, an emotion engine recognizes the user's emotions, and if the user is feeling stressed, it can change the way information is presented to reduce the user's burden.

[1340] Prompt Sentence Examples

[1341] "Based on my current financial situation, please suggest the best savings plan and investment strategy for buying a car in five years' time. Please take into account the user's emotional state."

[1342] The above is a specific description of the "Mode for Carrying Out the Invention."

[1343] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1344] Program processing steps

[1345] Step 1: User Registration and Authentication

[1346] 1. User: Install the application and register as a new user. Enter your name, email address, and password, then tap the "Register" button.

[1347] Input: Name, Email Address, Password

[1348] Action: Enter registration information

[1349] Output: Registration request message

[1350] 2. Terminal: Sends the information entered by the user to the server.

[1351] Input: Registration request message

[1352] Action: Send data to server

[1353] Output: Sending confirmation message

[1354] 3. Server: Validates the received registration information, stores it in a database, sends a verification email and provides a link to the user to complete registration.

[1355] Input: Registration request message

[1356] Actions: Validate data, save to database, send authentication email

[1357] Output: Verification email

[1358] 4. User: Click the link in the verification email to verify, then enter your email address and password on the login screen to access the system.

[1359] Input: Verification link, email address, password

[1360] Action: Click authentication link, enter login information

[1361] Output: Authentication complete screen, login complete screen

[1362] Step 2: Obtain your financial institution account information

[1363] 1. User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information (user ID and password), and authorize the link.

[1364] Input: Select affiliated financial institution, login information

[1365] Action: Enter information, allow connection

[1366] Output: Integration request message

[1367] 2. Terminal: The user enters their financial institution login information and sends it to the server.

[1368] Input: Connection request message

[1369] Action: Send data to server

[1370] Output: Sending confirmation message

[1371] 3. Server: Based on the received information, it calls the financial institution's API and obtains account information (balance, transaction history, etc.).

[1372] Input: Connection request message

[1373] Action: Call API, get account information

[1374] Output: Account data

[1375] 4. Server: Has the function of storing the acquired account information in a database and updating it periodically.

[1376] Input: Account data

[1377] Operation: Database saving, periodic update setting

[1378] Output: Update confirmation message

[1379] Step 3: Acquiring emotional information

[1380] 1. User: Accesses the system and performs normal operations (e.g., viewing asset information, entering life plans, etc.).

[1381] Input: Operation data

[1382] Action: Operation

[1383] Output: Operation log

[1384] 2. Emotion engine (in-device): Analyzes user operation data (input speed, frequency, type of operation) in real time.

[1385] Input: Operation Log

[1386] Action: Data analysis

[1387] Output: Emotional state data

[1388] 3. Emotion engine: Recognizes the user's emotional state (stress level, satisfaction level) and sends the results to the server.

[1389] Input: Emotional state data

[1390] Action: Send data

[1391] Output: Emotional information message

[1392] 4. Server: Stores the received emotion information in a database.

[1393] Input: Emotional information message

[1394] Action: Save to database

[1395] Output: Save confirmation message

[1396] Step 4: Asset aggregation and calculation

[1397] 1. Server: Periodically aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is performed automatically on a regular basis (daily).

[1398] Input: Financial institution account information

[1399] Operation: Data aggregation, total asset calculation

[1400] Output: Total assets data

[1401] 2. Terminal: Displays the latest total asset data obtained from the server.

[1402] Input: Total Assets Data

[1403] Operation: Data acquisition and display

[1404] Output: Total assets display screen

[1405] 3. Users: Check their overall asset status in real time.

[1406] Input: Total assets data displayed

[1407] Operation: Confirm

[1408] Output: Asset situation awareness

[1409] Step 5: Enter your life plan

[1410] 1. User: Tap the "Set Life Plan" button within the app and enter their goal (e.g., "I want to buy a house in 10 years" or "I want to save money for my child's education in 5 years").

[1411] Input: Life plan information

[1412] Action: Enter information

[1413] Output: Life plan input data

[1414] 2. Terminal: Sends the entered life plan information to the server.

[1415] Input: Life plan input data

[1416] Action: Send data to server

[1417] Output: Sending confirmation message

[1418] Step 6: Generative AI proposes a financial plan

[1419] 1. Server: Using a generative artificial intelligence model, the server generates an optimal financial plan based on the user's current asset status, life plan information, and emotional information.

[1420] Input: Total assets data, life plan information, emotional information

[1421] Actions: Data analysis, plan generation

[1422] Output: Financial plan data

[1423] 2. Server: Stores the generated financial plan in a database.

[1424] Input: Financial Plan Data

[1425] Action: Save data

[1426] Output: Save confirmation message

[1427] Step 7: Inform the user

[1428] 1. Terminal: Based on the financial plan proposed by the server, the terminal presents information that takes into account the user's emotional state.

[1429] Input: Financial plan data, sentiment information

[1430] Actions: Information organization, thoughtful presentation

[1431] Output: Proposal display screen

[1432] 2. User: Review the proposed financial plan and select specific actions.

[1433] Input: Proposal display screen

[1434] Action: Confirm, select action

[1435] Output: Action execution data

[1436] Prompt Sentence Examples

[1437] "Based on my current financial situation, please suggest the best savings plan and investment strategy for buying a car in five years' time. Please take into account the user's emotional state."

[1438] The above is a description of the specific processing steps of the system and their detailed operation.

[1439] (Application example 2)

[1440] 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."

[1441] Currently, there are systems that centrally manage account information from multiple financial institutions and calculate total assets, but this alone is insufficient for users to create appropriate financial plans. Furthermore, if a uniform plan is presented without considering the user's psychological state, the user may feel stressed when receiving the information. To solve this issue, a system is needed that recognizes the user's emotions and dynamically adjusts and proposes financial plans according to their psychological state.

[1442] 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.

[1443] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting the user's future goals and life plan information, means for proposing a financial plan using a generative artificial intelligence model based on the total assets and life plan information, means for adjusting the financial plan according to the user's psychological state using an emotion engine that recognizes the user's emotions, and means for displaying the proposed financial plan. This makes it possible to provide an optimal financial plan that places minimal psychological burden on the user based on their total assets and emotional state.

[1444] "Multiple financial institutions" refers collectively to multiple financial service institutions, such as banks, credit unions, and insurance companies, with which a user holds accounts.

[1445] "Account information" refers to information such as account information, transaction history, and balance information held by a user at a financial institution.

[1446] "Total assets" refers to the total value of all assets held by a user, including cash, deposits, stocks, bonds, real estate, etc.

[1447] "Life plan information" is information about a user's future goals and important events, including marriage, home purchase, education funds, retirement plans, etc.

[1448] A "generative artificial intelligence model" is a type of artificial intelligence that has the ability to generate an optimal financial plan based on a user's total assets and life plan information.

[1449] A "financial plan" is a plan for efficiently managing and increasing a user's assets, including savings, investment, and risk management.

[1450] "Emotion engine" is a general term for algorithms and systems that analyze user operation information and input data and recognize the user's psychological state.

[1451] "Mental state" refers to a user's emotional or mental state, including stress, satisfaction, anxiety, etc.

[1452] "Dynamic adjustment" refers to changing the content and proposal method in real time depending on the situation.

[1453] This invention is a system that centrally manages account information from multiple financial institutions, calculates a user's total assets, and proposes a financial plan. Furthermore, it uses an emotion engine that recognizes the user's emotions to dynamically adjust and propose a financial plan according to the user's psychological state.

[1454] System Overview

[1455] The system consists of a server that collects and manages account information from multiple financial institutions, and a device operated by the user (smartphone, tablet, computer, etc.). The server automatically collects the user's account information periodically and calculates and updates their total assets.

[1456] Hardware and Software Configuration

[1457] 1. User Device:

[1458] Smartphone application

[1459] Tablet Applications

[1460] Emotion Recognizer

[1461] Network connectivity features

[1462] 2. Server:

[1463] Database Server

[1464] Application Server

[1465] Generative AI model (Financial Planner)

[1466] API Server

[1467] User Registration and Authentication

[1468] Users install the application on their smartphone or other device and register as new users. After completing registration, they enter their login information to access the system. The device sends the user's input information to the server, which receives and notifies them of an authentication message. The server validates the received information and stores it in a database.

[1469] Collaboration with financial institutions

[1470] The user taps the financial institution linking button and selects the financial institution they wish to link with. They then enter their login information for the financial institution and authorize the linking. The device then calls the financial institution's API based on the entered information and sends the retrieved information to the server. The server then stores this information in a database and updates it periodically.

[1471] Emotion recognition with emotion engine

[1472] The emotion engine monitors the user's input and operations to recognize their emotional state. The device analyzes their emotional state based on the operation data and sends the results to the server, which stores this information in a database.

[1473] Asset calculation and consolidation

[1474] The server aggregates account information from multiple financial institutions in a database and calculates total assets. This calculation is performed automatically on a regular basis to reflect the latest asset status. The terminal displays the total asset data obtained from the server.

[1475] Financial plan proposals using generative AI

[1476] The user taps the life plan setting button and inputs their goal (e.g., "I want to buy a car in five years"). The device sends the input information to the server. The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's total assets, life plan information, and emotional information. The proposed plan includes specific savings plans and investment strategies. The device displays the proposed plan from the server and adjusts the way the information is presented depending on the user's emotional state.

[1477] Specific examples

[1478] For example, if a user has multiple bank accounts and aims to buy a car in five years, the system can aggregate all account information and determine the total assets. If the user inputs "I'm a little stressed about saving," the emotion recognition engine will recognize the emotion and change the way information is presented to the user in a more user-friendly way.

[1479] Example prompts to input to a generative AI model:

[1480] The user's current total assets are $50,000 and their emotion is "a little stressed." Their goal is to buy a car in five years. How should they make a financial plan?

[1481] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1482] Step 1:

[1483] The user installs the application on their device and registers as a new user. They enter their input data (name, email address, password) and tap the registration button. The device sends the input data to the server, which validates the received data and stores it in a database. At this point, user authentication information is created and an authentication message is sent to the device.

[1484] Step 2:

[1485] The user enters login information to access the system. The terminal sends the login information to the server, which then verifies the authentication information and allows access. The user's authentication data is validated, and if authentication is successful, the user's home screen is displayed.

[1486] Step 3:

[1487] The user taps the financial institution linking button and selects the financial institution they wish to link with. They then enter their financial institution login information (username, password) and authorize the linking. The device uses this information to call the financial institution's API and obtain account information. The obtained account information is sent to the server, which stores it in a database.

[1488] Step 4:

[1489] The server periodically retrieves saved account information from multiple financial institutions, maintaining real-time updates of total assets. Periodic data retrieval and updates are performed as scheduled tasks.

[1490] Step 5:

[1491] The user taps the life plan setting button and inputs their future goals (e.g., buying a car in five years). The device sends the input life plan information to the server, where it is stored in a database along with the user's asset data.

[1492] Step 6:

[1493] The emotion recognition engine built into the device analyzes the user's operation data (input speed, frequency, type of operation, etc.) and recognizes the user's emotional state (e.g., stress, satisfaction). The emotion recognition results are sent to the server and stored in a database.

[1494] Step 7:

[1495] The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's total assets, life plan information, and emotional information. During this generation process, data calculations and optimization are performed based on the input data (total assets information, life plan information, emotional information). An optimized financial plan is generated.

[1496] Step 8:

[1497] The proposed financial plan is sent to the device, which then displays it to the user. The way the information is presented is dynamically adjusted according to the user's emotional state. For example, if the user is feeling stressed, the information is presented in a simpler, more understandable format.

[1498] Step 9:

[1499] The user reviews the proposed financial plan and adjusts it as needed. The adjusted plan is then sent back to the server, and the updated data is saved in the database. This process repeats, providing the user with an optimized financial plan as their situation changes.

[1500] 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.

[1501] 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.

[1502] 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.

[1503] [Fourth embodiment]

[1504] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[1505] 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.

[1506] 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).

[1507] 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.

[1508] 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.

[1509] 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).

[1510] 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.

[1511] 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.

[1512] 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.

[1513] 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.

[1514] 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.

[1515] 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.

[1516] 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."

[1517] ---

[1518] The present invention is a system that acquires account information from multiple financial institutions, calculates total assets based on that information, and then uses a generative artificial intelligence model to propose a financial plan tailored to the user's life plan.

[1519] System Overview

[1520] The system consists of a user device (smartphone, tablet, computer, etc.) and a server. Users access the system using their device and enter their account information and life plan information. The server processes this information, calculates their total assets, and uses a generative artificial intelligence model to propose an appropriate financial plan.

[1521] User Registration and Authentication

[1522] User: Install the application and register as a new user. Enter your name, email address, and password, then tap the "Register" button. After registration, you will be taken to the login screen where you can enter your login information to access the system.

[1523] Terminal: Sends the user's input information to the server. Receives an authentication message from the server that has received the registration information and notifies the user.

[1524] Server: Validates the received user information and stores it in the database. When a user logs in, verifies the credentials and grants access.

[1525] Collaboration with financial institutions

[1526] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[1527] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends that information to the server.

[1528] Server: Has the function of storing account information obtained from financial institutions in a database and updating it regularly.

[1529] Asset calculation and consolidation

[1530] Server: Aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is performed automatically on a regular basis (e.g., daily) to reflect the latest asset status.

[1531] Terminal: Displays the total asset data obtained from the server, allowing users to check their overall asset status in real time.

[1532] Financial plan proposals using generative AI

[1533] User: Tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[1534] Terminal: Sends the entered life plan information to the server.

[1535] Server: Using a generative AI model, the server generates an optimal financial plan based on the user's current financial situation and life plan information. The generated plan includes specific savings and investment strategies.

[1536] Terminal: The server displays the proposed financial plan to the user, allowing the user to review specific action plans and plan actions toward their financial goals.

[1537] Specific examples

[1538] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp their total assets at a glance. Furthermore, if a user sets a goal such as "I want to buy a car in five years," the server will use a generative artificial intelligence model to propose the optimal savings plan and investment strategy to achieve that goal. In this way, users can plan efficiently and effectively toward their financial goals.

[1539] The above is a specific description of the "Mode for Carrying Out the Invention."

[1540] The processing flow will be explained below.

[1541] ---

[1542] Step 1:

[1543] User: Install and launch the app. Tap the "Sign Up" button, enter your name, email address, and password, and tap the "Register" button.

[1544] Step 2:

[1545] Terminal: Sends the entered information to the server, checks the communication status, and waits until the transmission is complete.

[1546] Step 3:

[1547] Server: Validate the received user information, checking for correct format and required fields, and save the validated information to the database.

[1548] Step 4:

[1549] Server: Generates a registration success message and sends it to the device, notifying it that the user account has been created.

[1550] Step 5:

[1551] Device: Receives and displays a registration completion message to the user. The user is then directed to the login screen and enters their login details.

[1552] Step 6:

[1553] Terminal: Sends the entered login information to the server.

[1554] Step 7:

[1555] Server: Authenticates the received login information. If authentication is successful, creates a session and sends an authentication success message and session information to the terminal.

[1556] Step 8:

[1557] Terminal: Receives a successful authentication message and notifies the user that login is complete.

[1558] Step 9:

[1559] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[1560] Step 10:

[1561] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends the obtained information to the server.

[1562] Step 11:

[1563] Server: Stores the account information obtained from financial institutions in a database. If the information needs to be updated, schedules it to be updated periodically.

[1564] Step 12:

[1565] Server: Aggregates account information from multiple financial institutions in a database and calculates total assets for each user.

[1566] Step 13:

[1567] Terminal: Displays the total asset data received from the server on the user interface, allowing users to check their asset status in real time.

[1568] Step 14:

[1569] User: Tap the "Life Plan Settings" button within the app, enter their future goals and life plan information, and tap the "Save" button.

[1570] Step 15:

[1571] Terminal: Sends the entered life plan information to the server.

[1572] Step 16:

[1573] Server: Passes the received life plan information to a generative AI model, which generates an optimal financial plan based on the user's current financial situation and goals.

[1574] Step 17:

[1575] Server: Sends the generated financial plan to the device.

[1576] Step 18:

[1577] Terminal: Displays the received financial plan on the user interface, providing the user with specific savings plans and investment strategies.

[1578] Step 19:

[1579] Server: Periodically (e.g. monthly) checks the user's financial situation and progress towards their life plan, generates necessary advice, and sends the advice to the device.

[1580] Step 20:

[1581] On the device: Notify the user when there is new advice or status updates, allowing the user to view the new advice.

[1582] The above are the specific processing steps of the system.

[1583] Example 1

[1584] 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."

[1585] Many people today have accounts at multiple financial institutions, making it difficult to centrally manage this information and understand their own financial situation. Furthermore, creating specific financial plans aimed at future goals requires a great deal of time and expertise. Conventional systems require the manual aggregation and individual management of account information from multiple financial institutions, making it difficult to provide users with optimal financial plans. For this reason, there is a demand for a system that can comprehensively manage a user's financial situation and automatically propose specific financial plans based on future goals.

[1586] 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.

[1587] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting the user's future goals and schedule information, means for proposing a financial plan using a generative AI model based on the total assets and schedule information, and means for displaying the proposed financial plan. This allows users to centrally manage information from multiple financial institutions, and not only can they grasp their own asset status in real time, but they can also automatically obtain a specific and optimal financial plan for their future goals.

[1588] "Account information" is a general term for a user's account information, transaction history, balance information, etc. managed by a financial institution.

[1589] "Total assets" refers to the total amount of assets calculated by aggregating all of a user's account information across multiple financial institutions.

[1590] "Schedule information" is information about goals and plans that the user wants to achieve in the future, such as buying a house or saving for education.

[1591] A "generative AI model" refers to an artificial intelligence algorithm that automatically generates an optimal financial plan based on user input and current asset status.

[1592] "Financial planning" is a proposal of specific savings plans and investment strategies generated based on the user's total assets and schedule information.

[1593] This system acquires account information from multiple financial institutions, calculates total assets based on that information, and then uses a generative artificial intelligence model to propose a financial plan tailored to the user's life plan.The system consists of a user device (smartphone, tablet, computer, etc.) and a server.

[1594] User Registration and Authentication

[1595] First, the user installs the application and opens the new user registration screen. The user enters their name, email address, and password, and taps the "Register" button. Once the input is complete, the device sends this information to the server. The server validates the received user information, and if validation is successful, saves it in a database. Once saving is complete, the server notifies the device. Next, the user moves to the login screen, enters their email address and password, and taps the "Login" button. The entered authentication information is sent from the device to the server. The server compares it with the database, and if it matches, creates a session and allows login. The authentication result is notified to the device, which displays it to the user. If authentication is successful, the user is redirected to the main screen.

[1596] Collaboration with financial institutions

[1597] The user taps the "Financial Institution Link" button in the app and selects the financial institution they want to link with. The device displays the login screen for the selected financial institution. The user enters their financial institution's login information and authorizes the link. The entered login information is sent from the device to the server. The server calls the financial institution's API and performs authentication. If authentication is successful, it obtains the account information and stores it in a database. The server also sets up regular updates of the account information.

[1598] Asset calculation and consolidation

[1599] The server periodically updates the financial institution account information in the database. This process is performed automatically in the background. The latest account information is aggregated to calculate total assets, and the calculation results are stored in the database. The device periodically retrieves the latest total asset data from the server and displays it to the user. By opening the asset status screen in the app, the user can check their total assets and detailed information for each account in real time.

[1600] Financial plan proposals using generative AI

[1601] The user taps the "Set Life Plan" button in the app and enters their goals, such as "I want to buy a house in 10 years" or "I want to save for my children's education in five years." The device then sends the entered life plan information to the server. The server uses this information and current total assets to generate an optimal financial plan using a generative artificial intelligence model (such as OpenAI's GPT-4 model). The generated plan includes specific savings plans and investment strategies. The plan is then sent from the server to the device and displayed to the user. The user can review the proposed plan and implement specific action plans.

[1602] Specific examples

[1603] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp the total amount of assets at a glance. Furthermore, if a user sets a goal such as "I want to buy a car in five years," the server will use a generative AI model to propose the optimal savings plan and investment strategy to achieve that goal.

[1604] Prompt Sentence Examples

[1605] An example of an input prompt for a generative AI model might be:

[1606] "Please suggest the best savings and investment strategy for purchasing a car in the next five years."

[1607] "I would like to buy a house in 10 years. Please tell me the best financial plan based on my current asset situation."

[1608] "Make a plan to save for your child's education over a five-year period."

[1609] The above is a specific description of the "Mode for Carrying Out the Invention."

[1610] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1611] Step 1: User Registration and Authentication

[1612] Step 1.1 - User Registration

[1613] The user installs the application, opens the new user registration screen, enters their name, email address, and password, and taps the "Register" button.

[1614] The terminal transmits the input user information to the server.

[1615] The server validates the received user information, and if validation is successful, saves it in the database and notifies the terminal that saving is complete.

[1616] Input: Name, Email Address, Password

[1617] Data processing or data calculation: input data validation, format check using regular expressions

[1618] Output: User information saving status (success or failure)

[1619] Step 1.2 - User Authentication

[1620] The user goes to the login screen, enters their email address and password, and taps the "Login" button.

[1621] The terminal transmits the input authentication information to the server.

[1622] The server checks the received authentication information against the database, and if it matches, it creates a session and allows the user to log in. It then notifies the terminal of the authentication result.

[1623] Input: Email address, Password

[1624] Data manipulation or data calculation: database lookup of authentication information, generation of session tokens

[1625] Output: Authentication result (success or failure), session information

[1626] Step 2: Collaboration with financial institutions

[1627] Step 2.1 - Start collaborating with financial institutions

[1628] Users tap the "Financial Institution Link" button within the app and select the financial institution they want to link with.

[1629] The terminal displays the login screen of the selected financial institution.

[1630] Input: Select financial institution

[1631] Output: Login screen displayed

[1632] Step 2.2 - Enter your login details

[1633] The user enters their financial institution's login information (user ID, password, etc.) and authorizes the connection.

[1634] The terminal transmits the entered login information to the server.

[1635] The server calls the financial institution's API and performs authentication. If authentication is successful, it obtains the account information and stores it in the database. It also sets up periodic updates of the account information.

[1636] Input: Financial institution login information

[1637] Data processing or data calculation: Calling financial institution APIs, obtaining and storing account information

[1638] Output: Account information storage status, periodic update settings

[1639] Step 3: Calculate and consolidate assets

[1640] Step 3.1 - Data Acquisition and Update

[1641] The server periodically updates the financial institution account information in its database, a process that occurs automatically in the background.

[1642] Input: Timing of periodic updates

[1643] Data processing or data calculation: Retrieving data by calling financial institution APIs and updating databases

[1644] Output: Updated account information

[1645] Step 3.2 – Calculate Total Assets

[1646] The server aggregates the latest account information to calculate total assets and stores the calculation results in a database.

[1647] Input: Multiple account information

[1648] Data processing or data calculation: data aggregation, calculation of total values

[1649] Output: Calculated total assets

[1650] Step 3.3 - View your assets

[1651] The device retrieves the latest total asset data from the server and displays it to the user. The user can then open the asset status screen in the app to check their total assets and detailed information for each account in real time.

[1652] Input: Calculated total assets

[1653] Output: Total assets and detailed information

[1654] Step 4: Generative AI proposes a financial plan

[1655] Step 4.1 - Enter your life plan

[1656] Users tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[1657] The terminal transmits the input life plan information to the server.

[1658] Input: Life plan information

[1659] Output: Send data to the server

[1660] Step 4.2 - Generate a Financial Plan

[1661] The server uses a generative AI model (such as OpenAI's GPT-4 model) based on the life plan information and total asset information to generate an optimal financial plan, which includes specific savings plans and investment strategies.

[1662] Input: Life plan information, total assets information

[1663] Data processing or data calculation: Generative AI model to generate plans

[1664] Output: Optimal financial plan

[1665] Step 4.3 - View your plan

[1666] The terminal retrieves the proposed financial plan from the server and displays it to the user, who can then confirm the plan and implement specific action plans.

[1667] Input: Proposed Financial Plan

[1668] Output: Display of financial plan

[1669] (Application example 1)

[1670] 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."

[1671] Conventional financial planning systems could only obtain account information from individual financial institutions, making it difficult to manage it in an integrated manner. Furthermore, they were inadequate in proposing savings plans and investment strategies tailored to users' life plans, preventing users from obtaining specific measures to effectively achieve their financial goals. This meant that users' needs for integrated management of asset information dispersed across multiple financial institutions and obtaining effective plans to achieve their financial goals could not be met.

[1672] 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.

[1673] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting the user's future goals and life plan information, means for proposing a financial plan using a generative artificial intelligence model based on the total assets and life plan information, means for displaying the proposed financial plan, means for setting financial goals based on the user's life events, and means for proposing a savings plan and investment strategy based on the financial goals. This enables the user to integrate and manage asset information across multiple financial institutions in real time and receive optimal financial plan proposals using a generative artificial intelligence model.

[1674] "Account information at multiple financial institutions" refers to information about assets and liabilities held by a user related to multiple financial institutions.

[1675] "Total assets" refers to the total amount of a user's personal assets calculated by adding together the account information of multiple financial institutions obtained.

[1676] "Life plan information" is information about the goals and plans that the user wants to achieve in the future.

[1677] A "generative artificial intelligence model" is a model that uses artificial intelligence to propose a numerically and algorithmically optimal financial plan based on input data.

[1678] A "financial plan" is a financial plan that includes appropriate savings plans and investment strategies based on the user's asset status and life plan information.

[1679] "User life event-based financial goals" are specific financial goals that a user sets for a particular life milestone or plan (e.g., buying a home, children's education, retirement).

[1680] A "savings plan" is a plan that specifies the amount and method of savings a user needs to achieve their financial goals.

[1681] "Investment Strategy" refers to the investment methods and policies used to manage a user's assets and achieve their goals.

[1682] "Periodic automatic execution" means that the system operates automatically at set intervals to perform specific tasks (e.g., updating account information, recalculating total assets).

[1683] "Real-time" means that data and information are processed immediately and provided to users quickly, without delay.

[1684] A "smartphone" is a type of mobile phone, a small, portable electronic device with multiple functions and Internet connectivity.

[1685] This system acquires account information from multiple financial institutions, calculates total assets based on that information, and then uses a generative artificial intelligence model to propose a financial plan tailored to the user's life plan. This system consists of a user device (smartphone, tablet, computer, etc.) and a server.

[1686] Users access the system using a terminal and enter their account information and life plan information. The information entered by the user is sent from the terminal to a server, which processes the information and calculates total assets. The server stores the acquired information in a database and periodically updates it.

[1687] The server aggregates account information from multiple financial institutions and calculates total assets, allowing users to check their overall asset status in real time. Furthermore, when users input their life plan information, the server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's current asset status and life plan information. This generated plan includes specific savings plans and investment strategies.

[1688] Users install the smartphone application and register as a new user. After entering their name, email address, and password, they are taken to the login screen where they can enter their login information to access the system. Within the app, users tap the "Financial Institution Link" button, select the financial institution they want to link with, and enter their login information to authorize the link.

[1689] The terminal retrieves information by calling the financial institution's API based on the information entered by the user and sends it to the server. The server stores the account information retrieved from the financial institution in a database and updates it regularly. This ensures that the user's total assets are always up to date.

[1690] When a user taps the "Set Life Plan" button and enters a goal, such as "I want to buy a house in 10 years," the information is sent from the device to the server. The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's current asset situation and life plan information. The generated plan is displayed on the user's smartphone, allowing them to check the specific action plan.

[1691] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp the total amount of assets at a glance. Furthermore, if a user sets a goal such as "I want to buy a car in five years," the server will use a generative artificial intelligence model to propose the optimal savings plan and investment strategy to achieve that goal. This allows users to plan efficiently and effectively toward their financial goals.

[1692] An example of a specific prompt sentence is, "The user's current total assets are X yen. Please suggest the optimal savings plan and investment strategy to save 5 million yen in 10 years."

[1693] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1694] Step 1:

[1695] User Registration and Authentication

[1696] The user installs the application and registers as a new user. The input data is name, email address, and password. This is sent from the terminal to the server. The server validates the received user information and stores it in a database. If registration is successful, an authentication message from the server is sent back to the terminal, which notifies the user. The user then accesses the system from the login screen.

[1697] Step 2:

[1698] Financial institution collaboration

[1699] The user taps the "Financial Institution Link" button in the app, selects the financial institution they want to link with, and enters the financial institution's login information. This input data is sent from the device to the server. The server uses this information to call the financial institution's API, obtains account information, and stores it in a database. The account information is updated periodically as needed.

[1700] Step 3:

[1701] Calculating total assets

[1702] The server aggregates account information from multiple financial institutions in a database and calculates total assets. The input data is the account information from each financial institution. The server adds up this data and calculates total assets. The calculation results are saved in the database and updated periodically by automatic execution.

[1703] Step 4:

[1704] Setting a life plan

[1705] Users tap the "Set Life Plan" button in the app and enter their life events and financial goals. For example, "I want to buy a house in 10 years." This input data is sent from the device to the server, which then stores the received life plan information in a database.

[1706] Step 5:

[1707] Generate a financial plan

[1708] The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's total assets and life plan information. The input data is the user's total assets and life plan information. The AI ​​model analyzes this data and generates an optimal savings plan and investment strategy. This plan is then stored in a database.

[1709] Step 6:

[1710] View Financial Plan

[1711] The server sends the generated financial plan to the user's device, which then displays the plan to the user, allowing the user to review the plan details and plan specific actions.

[1712] Specifically, the total assets calculation aggregates the balance data of each account and calculates the total value. The generated plan presentation uses a generative AI model to analyze the user's current situation and goals, and proposes optimal savings and investment strategies in real time. This allows users to quickly understand the necessary actions and efficiently create a plan to achieve their financial goals.

[1713] Prompt Sentence Examples

[1714] The user's current total assets are X yen. Please suggest the optimal savings plan and investment strategy to save 5 million yen in 10 years.

[1715] 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.

[1716] ---

[1717] This system acquires account information from multiple financial institutions, calculates total assets, and proposes financial plans tailored to the user's life plan. Furthermore, by combining it with an emotion engine that recognizes the user's emotions, it is possible to propose plans and present information that take into account the user's psychological state.

[1718] System Overview

[1719] The system consists of a user device (smartphone, tablet, computer, etc.) and a server. Users access the system using their device and enter account information and life plan information. The server processes this information, calculates total assets, and uses a generative artificial intelligence model to propose an appropriate financial plan. In addition, an emotion engine recognizes emotions based on the user's input and actions, and provides this information to the server.

[1720] User Registration and Authentication

[1721] User: Install the application and register as a new user. Enter your name, email address, and password, then tap the "Register" button. After registration, you will be taken to the login screen where you can enter your login information to access the system.

[1722] Terminal: Sends the user's input information to the server. Receives an authentication message from the server that has received the registration information and notifies the user.

[1723] Server: Validates the received user information and stores it in the database. When a user logs in, verifies the credentials and grants access.

[1724] Collaboration with financial institutions

[1725] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[1726] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends that information to the server.

[1727] Server: Has the function of storing account information obtained from financial institutions in a database and updating it regularly.

[1728] Emotion recognition with emotion engine

[1729] User: Accesses the system and performs normal operations. During this process, the emotion engine monitors the user's input and actions.

[1730] Emotion engine (on-device): Analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction). The results are sent to the server.

[1731] Server: Processes the emotion information received from the emotion engine and stores it in a database.

[1732] Asset calculation and consolidation

[1733] Server: Aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is performed automatically on a regular basis (e.g., daily) to reflect the latest asset status.

[1734] Terminal: Displays the total asset data obtained from the server, allowing users to check their overall asset status in real time.

[1735] Financial plan proposals using generative AI

[1736] User: Tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[1737] Terminal: Sends the entered life plan information to the server.

[1738] Server: Using a generative AI model, the server generates an optimal financial plan based on the user's current financial situation, life plan information, and emotional information. The generated plan includes specific savings plans and investment strategies.

[1739] Terminal: The server displays the proposed financial plan to the user. The method and timing of information presentation can be dynamically adjusted based on the user's emotional state.

[1740] Specific examples

[1741] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and grasp their total assets at a glance. Furthermore, if a user sets a goal of "buying a car in five years," the server uses a generative AI model to suggest the optimal savings plan and investment strategy to achieve that goal. During this process, the emotion engine recognizes the user's emotions, and if the user is feeling stressed, it can change the way information is presented to reduce the user's burden.

[1742] The above is a specific description of the "Mode for Carrying Out the Invention."

[1743] The processing flow will be explained below.

[1744] ---

[1745] Step 1:

[1746] User: Install and launch the app. Tap the "Sign Up" button, enter your name, email address, and password, and tap the "Register" button.

[1747] Step 2:

[1748] Terminal: Sends the user's input information to the server, checks the communication status, and waits until the transmission is complete.

[1749] Step 3:

[1750] Server: Validate the received user information, ensuring that the information is in the correct format and that all required fields are present. Save the validated information to the database.

[1751] Step 4:

[1752] Server: Generates a registration success message and sends it to the device, notifying it that the user account has been created.

[1753] Step 5:

[1754] Device: Receives and displays a registration completion message to the user. The user is then directed to the login screen and enters their login details.

[1755] Step 6:

[1756] Terminal: Sends the entered login information to the server.

[1757] Step 7:

[1758] Server: Authenticates the received login information. If authentication is successful, creates a session and sends an authentication success message and session information to the terminal.

[1759] Step 8:

[1760] Terminal: Receives a successful authentication message and notifies the user that login is complete.

[1761] Step 9:

[1762] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information, and authorize the link.

[1763] Step 10:

[1764] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends the obtained information to the server.

[1765] Step 11:

[1766] Server: Stores the account information obtained from financial institutions in a database. If the information needs to be updated, schedules it to be updated periodically.

[1767] Step 12:

[1768] Server: Aggregates account information from multiple financial institutions in a database and calculates total assets for each user.

[1769] Step 13:

[1770] Terminal: Displays the total asset data received from the server on the user interface, allowing users to check their asset status in real time.

[1771] Step 14:

[1772] User: Tap the "Life Plan Settings" button within the app, enter their future goals and life plan information, and tap the "Save" button.

[1773] Step 15:

[1774] Terminal: Sends the entered life plan information to the server.

[1775] Step 16:

[1776] Server: Passes the received life plan information to a generative AI model, which generates an optimal financial plan based on the user's current financial situation and goals.

[1777] Step 17:

[1778] Server: Sends the generated financial plan to the device.

[1779] Step 18:

[1780] Terminal: Displays the received financial plan on the user interface, providing the user with specific savings plans and investment strategies.

[1781] Step 19:

[1782] User: Accesses the system and performs normal operations. During this process, the emotion engine monitors the user's input and actions.

[1783] Step 20:

[1784] Emotion engine (on-device): Analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction). The results are sent to the server.

[1785] Step 21:

[1786] Server: Processes the emotion information received from the emotion engine and stores it in a database. Periodically updates the emotion data and provides it to the model to reflect the emotion information in financial plan generation.

[1787] Step 22:

[1788] Server: Dynamically adjusts how the user's asset and life plan information is presented based on emotional information. For example, if the user is under high stress, the timing of information presentation can be adjusted or the information can be presented in an easy-to-understand format.

[1789] Step 23:

[1790] Device: Based on instructions from the server, present information to the user in an appropriate manner. By using messages and visual representations that correspond to the user's emotional state, the device improves user understanding and satisfaction.

[1791] Step 24:

[1792] Server: Periodically (e.g. monthly) checks the user's financial situation and progress towards their life plan, generates necessary advice, and sends the advice to the device.

[1793] Step 25:

[1794] On the device: Notify the user when there is new advice or status updates, allowing the user to view the new advice.

[1795] The above are the specific processing steps of the system.

[1796] Example 2

[1797] 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."

[1798] Conventional financial planning systems can aggregate a user's account information from multiple financial institutions to calculate their total assets and make proposals based on their life plan, but they are unable to take the user's emotional state into consideration. This has resulted in problems where the system is not effective enough when users are prone to stress or when flexible information provision according to the situation is required. Furthermore, there is no way to grasp the user's emotional state and present information at the appropriate time, making it difficult to improve user satisfaction.

[1799] 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.

[1800] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting information about the user's future goals and life plan, means for proposing a financial plan using a generative artificial intelligence model based on the total assets and life plan information, means for acquiring and recognizing information about the user's emotions, means for dynamically adjusting the method and timing of presenting information based on the proposed financial plan and the user's emotional information, and means for displaying the proposed financial plan. This makes it possible to propose an optimal financial plan at an appropriate time while taking into consideration the user's emotional state.

[1801] "Means for obtaining account information from multiple financial institutions" refers to a mechanism for obtaining account information from each financial institution using the APIs of multiple financial institutions to which the user has authorized connection.

[1802] The "means of aggregating acquired account information and calculating total assets" refers to an algorithm or system for centrally managing account information acquired from each financial institution and calculating a user's total assets.

[1803] "Means for inputting user's future goals and life plan information" refers to an interface that allows a user to input information about their goals and life plans (e.g., buying a house, buying a car, saving for education, etc.) into the system.

[1804] The "means for proposing financial plans using a generative artificial intelligence model" is a system for generating and proposing optimal financial plans using a generative artificial intelligence model based on the acquired total asset data and the user's life plan information.

[1805] "Means for acquiring and recognizing user emotional information" refers to a system that analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction).

[1806] "Means for dynamically adjusting the method and timing of information presentation based on the proposed financial plan and the user's emotional information" refers to a mechanism for dynamically changing the method and timing of information presentation in accordance with the user's psychological state, based on the generated financial plan and the user's emotional information.

[1807] The "means for displaying the proposed financial plan" is a display interface for presenting the optimal financial plan to the user in an easy-to-view format.

[1808] MODE FOR CARRYING OUT THE INVENTION

[1809] System Overview

[1810] The present invention is a system that proposes a financial plan based on a user's life plan. The system consists of a user terminal (smartphone, tablet, computer, etc.) and a server. The user accesses the system using the terminal and inputs account information and life plan information. The server processes this information, calculates total assets, and proposes an appropriate financial plan using a generative artificial intelligence model. In addition, an emotion engine recognizes the user's emotional information and dynamically adjusts the plan proposals and the method of presenting information based on that information.

[1811] User Registration and Authentication

[1812] User: Installs the application and registers as a new user. The user enters their name, email address, and password and taps the "Register" button. After registration, a verification email is sent and the user completes verification by clicking the link in the email. After that, the user enters their email address and password on the login screen to access the system.

[1813] Terminal: Sends the information entered by the user to the server. Receives an authentication message from the server and notifies the user.

[1814] Server: Validates the received user information and stores it in the database. When a user logs in, the authentication information is verified and access is granted.

[1815] Collaboration with financial institutions

[1816] User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter your financial institution login information (user ID and password), and authorize the link.

[1817] Terminal: Calls the financial institution's API based on the information entered by the user to obtain information, and sends that information to the server.

[1818] Server: Has the function of storing account information obtained from financial institutions in a database and updating it regularly.

[1819] Emotion recognition with emotion engine

[1820] User: Accesses the system and performs normal operations. During this process, the emotion engine monitors the user's input and actions.

[1821] Emotion engine (on-device): Analyzes user operation data (e.g., input speed, frequency, type of operation) and recognizes the user's emotional state (e.g., stress level, satisfaction). The results are sent to the server.

[1822] Server: Processes the emotion information received from the emotion engine and stores it in a database.

[1823] Asset calculation and consolidation

[1824] Server: Periodically aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is automatically performed periodically (e.g., daily).

[1825] Terminal: Displays the latest total asset data retrieved from the server.

[1826] Users: can check their overall asset status in real time.

[1827] Financial plan proposals using generative AI

[1828] User: Tap the "Set Life Plan" button within the app and enter goals such as "I want to buy a house in 10 years" or "I want to save for my child's education in five years."

[1829] Terminal: Sends the entered life plan information to the server.

[1830] Server: Using a generative AI model, the server generates an optimal financial plan based on the user's current financial situation, life plan information, and emotional information. The generated plan includes specific savings plans and investment strategies.

[1831] Terminal: The server displays the proposed financial plan to the user. The method and timing of information presentation can be dynamically adjusted based on the user's emotional state.

[1832] Specific examples

[1833] For example, if a user has multiple bank accounts and stocks, the system can aggregate all account and stock information and show their total assets at a glance. Furthermore, if a user sets a goal of "buying a car in five years," the server will use a generative AI model to suggest the optimal savings plan and investment strategy to achieve that goal. During this process, an emotion engine recognizes the user's emotions, and if the user is feeling stressed, it can change the way information is presented to reduce the user's burden.

[1834] Prompt Sentence Examples

[1835] "Based on my current financial situation, please suggest the best savings plan and investment strategy for buying a car in five years' time. Please take into account the user's emotional state."

[1836] The above is a specific description of the "Mode for Carrying Out the Invention."

[1837] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1838] Program processing steps

[1839] Step 1: User Registration and Authentication

[1840] 1. User: Install the application and register as a new user. Enter your name, email address, and password, then tap the "Register" button.

[1841] Input: Name, Email Address, Password

[1842] Action: Enter registration information

[1843] Output: Registration request message

[1844] 2. Terminal: Sends the information entered by the user to the server.

[1845] Input: Registration request message

[1846] Action: Send data to server

[1847] Output: Sending confirmation message

[1848] 3. Server: Validates the received registration information, stores it in a database, sends a verification email and provides a link to the user to complete registration.

[1849] Input: Registration request message

[1850] Actions: Validate data, save to database, send authentication email

[1851] Output: Verification email

[1852] 4. User: Click the link in the verification email to verify, then enter your email address and password on the login screen to access the system.

[1853] Input: Verification link, email address, password

[1854] Action: Click authentication link, enter login information

[1855] Output: Authentication complete screen, login complete screen

[1856] Step 2: Obtain your financial institution account information

[1857] 1. User: Tap the "Financial Institution Link" button in the app, select the financial institution you want to link with, enter the financial institution's login information (user ID and password), and authorize the link.

[1858] Input: Select affiliated financial institution, login information

[1859] Action: Enter information, allow connection

[1860] Output: Integration request message

[1861] 2. Terminal: The user enters their financial institution login information and sends it to the server.

[1862] Input: Connection request message

[1863] Action: Send data to server

[1864] Output: Sending confirmation message

[1865] 3. Server: Based on the received information, it calls the financial institution's API and obtains account information (balance, transaction history, etc.).

[1866] Input: Connection request message

[1867] Action: Call API, get account information

[1868] Output: Account data

[1869] 4. Server: Has the function of storing the acquired account information in a database and updating it periodically.

[1870] Input: Account data

[1871] Operation: Database saving, periodic update setting

[1872] Output: Update confirmation message

[1873] Step 3: Acquiring emotional information

[1874] 1. User: Accesses the system and performs normal operations (e.g., viewing asset information, entering life plans, etc.).

[1875] Input: Operation data

[1876] Action: Operation

[1877] Output: Operation log

[1878] 2. Emotion engine (in-device): Analyzes user operation data (input speed, frequency, type of operation) in real time.

[1879] Input: Operation Log

[1880] Action: Data analysis

[1881] Output: Emotional state data

[1882] 3. Emotion engine: Recognizes the user's emotional state (stress level, satisfaction level) and sends the results to the server.

[1883] Input: Emotional state data

[1884] Action: Send data

[1885] Output: Emotional information message

[1886] 4. Server: Stores the received emotion information in a database.

[1887] Input: Emotional information message

[1888] Action: Save to database

[1889] Output: Save confirmation message

[1890] Step 4: Asset aggregation and calculation

[1891] 1. Server: Periodically aggregates account information from multiple financial institutions in the database and calculates total assets. This calculation is performed automatically on a regular basis (daily).

[1892] Input: Financial institution account information

[1893] Operation: Data aggregation, total asset calculation

[1894] Output: Total assets data

[1895] 2. Terminal: Displays the latest total asset data obtained from the server.

[1896] Input: Total Assets Data

[1897] Operation: Data acquisition and display

[1898] Output: Total assets display screen

[1899] 3. Users: Check their overall asset status in real time.

[1900] Input: Total assets data displayed

[1901] Operation: Confirm

[1902] Output: Asset situation awareness

[1903] Step 5: Enter your life plan

[1904] 1. User: Tap the "Set Life Plan" button within the app and enter their goal (e.g., "I want to buy a house in 10 years" or "I want to save money for my child's education in 5 years").

[1905] Input: Life plan information

[1906] Action: Enter information

[1907] Output: Life plan input data

[1908] 2. Terminal: Sends the entered life plan information to the server.

[1909] Input: Life plan input data

[1910] Action: Send data to server

[1911] Output: Sending confirmation message

[1912] Step 6: Generative AI proposes a financial plan

[1913] 1. Server: Using a generative artificial intelligence model, the server generates an optimal financial plan based on the user's current asset status, life plan information, and emotional information.

[1914] Input: Total assets data, life plan information, emotional information

[1915] Actions: Data analysis, plan generation

[1916] Output: Financial plan data

[1917] 2. Server: Stores the generated financial plan in a database.

[1918] Input: Financial Plan Data

[1919] Action: Save data

[1920] Output: Save confirmation message

[1921] Step 7: Inform the user

[1922] 1. Terminal: Based on the financial plan proposed by the server, the terminal presents information that takes into account the user's emotional state.

[1923] Input: Financial plan data, sentiment information

[1924] Actions: Information organization, thoughtful presentation

[1925] Output: Proposal display screen

[1926] 2. User: Review the proposed financial plan and select specific actions.

[1927] Input: Proposal display screen

[1928] Action: Confirm, select action

[1929] Output: Action execution data

[1930] Prompt Sentence Examples

[1931] "Based on my current financial situation, please suggest the best savings plan and investment strategy for buying a car in five years' time. Please take into account the user's emotional state."

[1932] The above is a description of the specific processing steps of the system and their detailed operation.

[1933] (Application example 2)

[1934] 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."

[1935] Currently, there are systems that centrally manage account information from multiple financial institutions and calculate total assets, but this alone is insufficient for users to create appropriate financial plans. Furthermore, if a uniform plan is presented without considering the user's psychological state, the user may feel stressed when receiving the information. To solve this issue, a system is needed that recognizes the user's emotions and dynamically adjusts and proposes financial plans according to their psychological state.

[1936] 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.

[1937] In this invention, the server includes means for acquiring account information from multiple financial institutions, means for aggregating the acquired account information and calculating total assets, means for inputting the user's future goals and life plan information, means for proposing a financial plan using a generative artificial intelligence model based on the total assets and life plan information, means for adjusting the financial plan according to the user's psychological state using an emotion engine that recognizes the user's emotions, and means for displaying the proposed financial plan. This makes it possible to provide an optimal financial plan that places minimal psychological burden on the user based on their total assets and emotional state.

[1938] "Multiple financial institutions" refers collectively to multiple financial service institutions, such as banks, credit unions, and insurance companies, with which a user holds accounts.

[1939] "Account information" refers to information such as account information, transaction history, and balance information held by a user at a financial institution.

[1940] "Total assets" refers to the total value of all assets held by a user, including cash, deposits, stocks, bonds, real estate, etc.

[1941] "Life plan information" is information about a user's future goals and important events, including marriage, home purchase, education funds, retirement plans, etc.

[1942] A "generative artificial intelligence model" is a type of artificial intelligence that has the ability to generate an optimal financial plan based on a user's total assets and life plan information.

[1943] A "financial plan" is a plan for efficiently managing and increasing a user's assets, including savings, investment, and risk management.

[1944] "Emotion engine" is a general term for algorithms and systems that analyze user operation information and input data and recognize the user's psychological state.

[1945] "Mental state" refers to a user's emotional or mental state, including stress, satisfaction, anxiety, etc.

[1946] "Dynamic adjustment" refers to changing the content and proposal method in real time depending on the situation.

[1947] This invention is a system that centrally manages account information from multiple financial institutions, calculates a user's total assets, and proposes a financial plan. Furthermore, it uses an emotion engine that recognizes the user's emotions to dynamically adjust and propose a financial plan according to the user's psychological state.

[1948] System Overview

[1949] The system consists of a server that collects and manages account information from multiple financial institutions, and a device operated by the user (smartphone, tablet, computer, etc.). The server automatically collects the user's account information periodically and calculates and updates their total assets.

[1950] Hardware and Software Configuration

[1951] 1. User Device:

[1952] Smartphone application

[1953] Tablet Applications

[1954] Emotion Recognizer

[1955] Network connectivity features

[1956] 2. Server:

[1957] Database Server

[1958] Application Server

[1959] Generative AI model (Financial Planner)

[1960] API Server

[1961] User Registration and Authentication

[1962] Users install the application on their smartphone or other device and register as new users. After completing registration, they enter their login information to access the system. The device sends the user's input information to the server, which receives and notifies them of an authentication message. The server validates the received information and stores it in a database.

[1963] Collaboration with financial institutions

[1964] The user taps the financial institution linking button and selects the financial institution they wish to link with. They then enter their login information for the financial institution and authorize the linking. The device then calls the financial institution's API based on the entered information and sends the retrieved information to the server. The server then stores this information in a database and updates it periodically.

[1965] Emotion recognition with emotion engine

[1966] The emotion engine monitors the user's input and operations to recognize their emotional state. The device analyzes their emotional state based on the operation data and sends the results to the server, which stores this information in a database.

[1967] Asset calculation and consolidation

[1968] The server aggregates account information from multiple financial institutions in a database and calculates total assets. This calculation is performed automatically on a regular basis to reflect the latest asset status. The terminal displays the total asset data obtained from the server.

[1969] Financial plan proposals using generative AI

[1970] The user taps the life plan setting button and inputs their goal (e.g., "I want to buy a car in five years"). The device sends the input information to the server. The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's total assets, life plan information, and emotional information. The proposed plan includes specific savings plans and investment strategies. The device displays the proposed plan from the server and adjusts the way the information is presented depending on the user's emotional state.

[1971] Specific examples

[1972] For example, if a user has multiple bank accounts and aims to buy a car in five years, the system can aggregate all account information and determine the total assets. If the user inputs "I'm a little stressed about saving," the emotion recognition engine will recognize the emotion and change the way information is presented to the user in a more user-friendly way.

[1973] Example prompts to input to a generative AI model:

[1974] The user's current total assets are $50,000 and their emotion is "a little stressed." Their goal is to buy a car in five years. How should they make a financial plan?

[1975] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1976] Step 1:

[1977] The user installs the application on their device and registers as a new user. They enter their input data (name, email address, password) and tap the registration button. The device sends the input data to the server, which validates the received data and stores it in a database. At this point, user authentication information is created and an authentication message is sent to the device.

[1978] Step 2:

[1979] The user enters login information to access the system. The terminal sends the login information to the server, which then verifies the authentication information and allows access. The user's authentication data is validated, and if authentication is successful, the user's home screen is displayed.

[1980] Step 3:

[1981] The user taps the financial institution linking button and selects the financial institution they wish to link with. They then enter their financial institution login information (username, password) and authorize the linking. The device uses this information to call the financial institution's API and obtain account information. The obtained account information is sent to the server, which stores it in a database.

[1982] Step 4:

[1983] The server periodically retrieves saved account information from multiple financial institutions, maintaining real-time updates of total assets. Periodic data retrieval and updates are performed as scheduled tasks.

[1984] Step 5:

[1985] The user taps the life plan setting button and inputs their future goals (e.g., buying a car in five years). The device sends the input life plan information to the server, where it is stored in a database along with the user's asset data.

[1986] Step 6:

[1987] The emotion recognition engine built into the device analyzes the user's operation data (input speed, frequency, type of operation, etc.) and recognizes the user's emotional state (e.g., stress, satisfaction). The emotion recognition results are sent to the server and stored in a database.

[1988] Step 7:

[1989] The server uses a generative artificial intelligence model to generate an optimal financial plan based on the user's total assets, life plan information, and emotional information. During this generation process, data calculations and optimization are performed based on the input data (total assets information, life plan information, emotional information). An optimized financial plan is generated.

[1990] Step 8:

[1991] The proposed financial plan is sent to the device, which then displays it to the user. The way the information is presented is dynamically adjusted according to the user's emotional state. For example, if the user is feeling stressed, the information is presented in a simpler, more understandable format.

[1992] Step 9:

[1993] The user reviews the proposed financial plan and adjusts it as needed. The adjusted plan is then sent back to the server, and the updated data is saved in the database. This process repeats, providing the user with an optimized financial plan as their situation changes.

[1994] 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.

[1995] 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.

[1996] 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.

[1997] 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.

[1998] FIG. 9 is a diagram illustrating an emotion map 400 on which multiple emotions are mapped. In the emotion map 400, emotions are arranged in concentric circles radiating from the center. Emotions closer to the center of the concentric circles are more primitive. Emotions representing states and actions arising from a state of mind are arranged on the outer edges of the concentric circles. The concept of emotion includes both affect and mental states. Emotions generally generated from reactions occurring in the brain are arranged on the left side of the concentric circles. Emotions generally induced by situational judgment are arranged on the right side of the concentric circles. Emotions generally generated from reactions occurring in the brain and induced by situational judgment are arranged on the upper and lower sides of the concentric circles. Furthermore, the emotion of "pleasure" is arranged on the upper side of the concentric circles, and the emotion of "discomfort" is arranged on the lower side. In this way, in the emotion map 400, multiple emotions are mapped based on the structure by which emotions are generated, and emotions that tend to occur simultaneously are mapped close to each other.

[1999] These emotions are distributed in the 3 o'clock direction on emotion map 400, and typically fluctuate between relief and anxiety. In the right half of emotion map 400, situational awareness dominates over internal sensations, resulting in a sense of calm.

[2000] The inside of emotion map 400 represents what is going on in the mind, and the outside of emotion map 400 represents behavior, so the further you go outside emotion map 400, the more visible the emotions become (the more they are expressed in behavior).

[2001] Human emotions are based on various balances, such as posture and blood sugar levels. When these balances deviate from the ideal, a state of discomfort is indicated, and when they approach the ideal, a state of pleasure is indicated. Emotions can also be created for robots, automobiles, and motorcycles, based on various balances, such as posture and remaining battery life. When these balances deviate from the ideal, a state of discomfort is indicated, and when they approach the ideal, a state of pleasure is indicated. An emotion map can be generated, for example, based on Dr. Mitsuyoshi's emotion map (Research on Voice Emotion Recognition and Emotional Brain Physiological S...

Claims

1. A means for obtaining account information for multiple financial institutions; a means for aggregating the acquired account information and calculating total assets; A means for inputting user's future goals and life plan information, a means for proposing a financial plan using a generative artificial intelligence model based on the total assets and life plan information; means for displaying the proposed financial plan; A system including:

2. The system according to claim 1 , further comprising means for automatically acquiring the account information periodically.

3. The system of claim 1 , wherein the generative artificial intelligence model further comprises means for generating optimal savings plans and investment strategies based on the user's financial situation and life plan.

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