System

Abstract

To provide a planning AI household account book for the purpose of allocating a fund to an activity to which a user applies passion, and to provide optimum budget distribution and a fund plan in the course.SOLUTION: Means for inputting and transmitting hobbies and interests to a server; means for obtaining user data from a database; means for analyzing user data and updating prioritized information to the database; means for receiving, automatically categorizing, and updating user transaction information to the database; and means for obtaining revenue and expense information from the database; A system comprising: means for calculating and updating surplus funds to a database; means for calculating and updating budgets to a database based on user goals; means for simulating future allocation of funds; means for generating and transmitting simulation results to a server; means for generating and transmitting advice to a user based on user goals and financial conditions; and means for encrypting and storing data to a database.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] Conventional household accounting systems are primarily focused on saving money and are inadequate in helping users efficiently allocate funds to their hobbies and interests. As a result, many users simply focus on reducing their daily expenses, making it difficult to systematically secure funds to achieve their goals and dreams. To address this issue, the present invention aims to provide a planning AI household accounting system that aims to allocate funds to activities that users are passionate about, and in the process, provide optimal budget allocation and financial planning. [Means for solving the problem]

[0005] The present invention provides a system that includes a means for a user to input hobbies and interests and a means for transmitting the information to a server. The server retrieves user data from a database, analyzes the retrieved user data, and updates the database with prioritized information. The system also includes a means for receiving user transaction information and automatically categorizing the information, and updating the information to the database. The system further includes a means for retrieving user income and expenditure information from the database and calculating surplus funds based on the retrieved income and expenditure information. The system updates the calculated surplus funds to the database, and includes a means for calculating a budget based on the user's goals and updating the budget to the database. The system also includes a means for simulating future fund allocations and a means for generating simulation results, and transmitting the generated results to the server. Finally, the system includes a means for generating advice based on the user's goals and financial situation, a means for transmitting advice information to the user, and a means for encrypting data and storing the encrypted data in the database.

[0006] A "means for inputting hobbies and interests" is an interface through which a user can input information about their hobbies and areas of interest into the system.

[0007] A "server" is a remote computer system that receives, processes, and records information sent by users.

[0008] "User Data" means data relating to a User, including profile information, transaction information, income and expense information.

[0009] "Database" means a structured data storage system for storing, managing, and updating User Data.

[0010] "Analysis" is the process of evaluating collected user data to find meaningful patterns and trends.

[0011] "Prioritizing" means determining the order of multiple items or tasks based on importance or urgency.

[0012] "Transaction Information" refers to data regarding various financial transactions conducted by Users.

[0013] "Categorizing" means classifying and organizing transaction information based on specific criteria.

[0014] "Income Information" means data regarding the income earned by a User.

[0015] "Expense Information" is data about the amount of money spent by a user.

[0016] "Surplus funds" refers to the funds remaining after subtracting expenses from income.

[0017] "Calculating a budget" is the process of allocating available funds based on established goals and plans.

[0018] "Simulating fund allocation" means predicting how funds will be used for a specific period in the future.

[0019] "Generate" means to create data or information.

[0020] "Advice" means advice or instructions provided based on a User's goals and financial situation.

[0021] "Encryption" is the process of transforming data using a specific algorithm to protect its contents. [Brief explanation of the drawings]

[0022] [Figure 1] 1 is a conceptual diagram showing an example of the configuration of a data processing system according to a first embodiment. [Figure 2]1 is a conceptual diagram showing an example of main functions of a data processing device and a smart device according to a first embodiment. [Figure 3] FIG. 10 is a conceptual diagram showing an example of the configuration of a data processing system according to a second embodiment. [Figure 4] FIG. 10 is a conceptual diagram showing an example of main functions of a data processing device and smart glasses according to a second embodiment. [Figure 5] FIG. 10 is a conceptual diagram showing an example of the configuration of a data processing system according to a third embodiment. [Figure 6] FIG. 11 is a conceptual diagram showing an example of main functions of a data processing device and a headset-type terminal according to a third embodiment. [Figure 7] FIG. 10 is a conceptual diagram showing an example of the configuration of a data processing system according to a fourth embodiment. [Figure 8] FIG. 10 is a conceptual diagram showing an example of main functions of a data processing device and a robot according to a fourth embodiment. [Figure 9] 1 shows an emotion map onto which multiple emotions are mapped. [Figure 10] 1 shows an emotion map onto which multiple emotions are mapped. [Figure 11] FIG. 3 is a sequence diagram showing a processing flow of the data processing system according to the first embodiment. [Figure 12] FIG. 10 is a sequence diagram showing the flow of processing in the data processing system in Application Example 1. [Figure 13] FIG. 10 is a sequence diagram showing the flow of processing in the data processing system according to the second embodiment when an emotion engine is combined. [Figure 14] FIG. 10 is a sequence diagram showing the flow of processing in the data processing system in Application Example 2 when an emotion engine is combined. DETAILED DESCRIPTION OF THE INVENTION

[0023] An example of an embodiment of a system according to the technology of the present disclosure will be described below with reference to the accompanying drawings.

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

[0025] In the following embodiments, a coded processor (hereinafter simply referred to as a "processor") may be a single arithmetic device or a combination of multiple arithmetic devices. Furthermore, a processor may be a single type of arithmetic device or a combination of multiple types of arithmetic devices. Examples of arithmetic devices include a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), a GPGPU (General-Purpose computing on Graphics Processing Units), and an APU (Accelerated Processing Unit).

[0026] In the following embodiments, a coded RAM (Random Access Memory) is a memory in which information is temporarily stored and is used as a working memory by a processor.

[0027] In the following embodiments, the coded storage is one or more non-volatile storage devices that store various programs, various parameters, etc. Examples of non-volatile storage devices include flash memory (SSD (Solid State Drive)), magnetic disks (e.g., hard disks), and magnetic tapes.

[0028] In the following embodiments, a communication I / F (Interface) with a symbol is an interface including a communication processor, an antenna, etc. The communication I / F controls communication between multiple computers. Examples of communication standards applied to the communication I / F include wireless communication standards including 5G (5th Generation Mobile Communication System), Wi-Fi (registered trademark), Bluetooth (registered trademark), etc.

[0029] In the following embodiments, "A and / or B" is synonymous with "at least one of A and B." In other words, "A and / or B" means that it may be only A, only B, or a combination of A and B. Furthermore, in this specification, the same concept as "A and / or B" is also applied when three or more things are expressed connected by "and / or."

[0030] [First embodiment]

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

[0032] 1, a data processing system 10 includes a data processing device 12 and a smart device 14. An example of the data processing device 12 is a server.

[0033] The data processing device 12 includes a computer 22, a database 24, and a communication I / F 26. The computer 22 is an example of a "computer" according to the technology of the present disclosure. The computer 22 includes a processor 28, a RAM 30, and a storage 32. The processor 28, the RAM 30, and the storage 32 are connected to a bus 34. The database 24 and the communication I / F 26 are also connected to the bus 34. The communication I / F 26 is connected to a network 54. Examples of the network 54 include a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[0034] The smart device 14 includes a computer 36, a reception device 38, an output device 40, a camera 42, and a communication I / F 44. The computer 36 includes a processor 46, a RAM 48, and a storage 50. The processor 46, the RAM 48, and the storage 50 are connected to a bus 52. The reception device 38, the output device 40, and the camera 42 are also connected to the bus 52.

[0035] The reception device 38 includes a touch panel 38A, a microphone 38B, and the like, and receives user input. The touch panel 38A detects contact with an indicator (for example, a pen or a finger) to receive user input by the touch of the indicator. The microphone 38B detects the user's voice to receive user input by voice. The control unit 46A transmits data indicating the user input received by the touch panel 38A and the microphone 38B to the data processing device 12. In the data processing device 12, the specific processing unit 290 acquires the data indicating the user input.

[0036] The output device 40 includes a display 40A and a speaker 40B, and presents data to the user 20 by outputting the data in a form of expression that the user 20 can perceive (for example, audio and / or text). The display 40A displays visible information such as text and images in accordance with instructions from the processor 46. The speaker 40B outputs audio in accordance with instructions from the processor 46. The camera 42 is a compact digital camera equipped with an optical system including a lens, aperture, and shutter, and an imaging element such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor.

[0037] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 control the exchange of various information between the processor 46 and the processor 28 via the network 54.

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

[0039] 2, in the data processing device 12, a specific process is performed by the processor 28. A specific processing program 56 is stored in the storage 32. The specific processing program 56 is an example of a "program" according to the technology of the present disclosure. The processor 28 reads the specific processing program 56 from the storage 32 and executes the read specific processing program 56 on the RAM 30. The specific process is realized by the processor 28 operating as a specific processing unit 290 in accordance with the specific processing program 56 executed on the RAM 30.

[0040] The storage 32 stores a data generation model 58 and an emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[0041] In the smart device 14, the processor 46 performs the reception output process. The storage 50 stores a reception output program 60. The reception output program 60 is used in conjunction with the specific processing program 56 by the data processing system 10. The processor 46 reads the reception output program 60 from the storage 50 and executes the read reception output program 60 on the RAM 48. The reception output process is realized by the processor 46 operating as the control unit 46A in accordance with the reception output program 60 executed on the RAM 48.

[0042] Next, a description will be given of the specific processing performed by the specific processing unit 290 of the data processing device 12. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0043] The system of the present invention is a planning AI household account book that allows users to efficiently allocate funds to their hobbies and interests. Specific embodiments for implementing the system of the present invention are described below.

[0044] User profiling function

[0045] A user inputs their hobbies and interests into an application. For example, a user inputs "travel" as a hobby. This input information is sent to the server via the terminal. If the user data does not exist in the database, the server creates a new user profile and sets the input hobby information as a high priority. Once this prioritization is complete, the profile information is updated in the database.

[0046] Expense Tracking

[0047] Users enter their daily spending information into the application. For example, they enter transaction information such as "buying coffee at a cafe." This information is sent from the device to the server, which automatically classifies it as a "food and drink" category. The classified spending information is updated in the database, allowing users' spending patterns to be understood in real time.

[0048] Financial analysis function

[0049] The server retrieves the user's income and expenditure information from a database. It calculates surplus funds by analyzing income and expenditure patterns and identifying unnecessary expenses. For example, if your monthly income is $3,000 and your monthly expenses are $2,500, your surplus funds will be calculated as $500. This information is updated in the database, ensuring that the user's financial situation is always up to date.

[0050] Budget allocation function

[0051] The user sets a specific goal, for example, "I want to save $1,000 and go on a trip next summer." This goal information is sent from the device to the server. The server retrieves surplus funds information from the database and calculates the monthly savings amount based on the goal. For example, the user makes a plan to save $200 per month for travel funds and updates that information to the database.

[0052] Simulation Function

[0053] The server retrieves current budget allocation information from the database and simulates future fund allocation. For example, it predicts whether the savings amount will reach the target of $1,000 in one year. The simulation results are generated by the server and sent to the terminal. The user can check the simulation results in the application.

[0054] Interactive advice feature

[0055] The server retrieves the financial analysis results from the database and generates advice based on the user's goals and financial situation. For example, specific advice such as "reducing your food and beverage expenses by $50 per month will help you save money for travel more quickly" is generated and sent to the device. The user can then review this advice in the application and apply it to their daily spending.

[0056] User Interface

[0057] The device retrieves the user's financial data from the database and displays it to the user through an intuitive interface, such as graphs and charts showing the travel fund status, budget allocation, and spending, allowing users to easily understand their progress.

[0058] Data Security and Privacy

[0059] The server encrypts all data sent and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties and protecting privacy.

[0060] By integrating these functions, the system of the present invention enables users to efficiently manage their funds and make planned investments aimed at their hobbies and goals.

[0061] The processing flow will be explained below.

[0062] User profiling function

[0063] Step 1:

[0064] The user enters their hobbies and interests (e.g., travel) into the application.

[0065] Step 2:

[0066] The terminal receives this input information and sends it to the server.

[0067] Step 3:

[0068] The server retrieves the user data from the database.

[0069] Step 4:

[0070] If the server does not have a user profile in the database, it will initialize new user data.

[0071] Step 5:

[0072] The server collects and prioritizes information about the user's hobbies and interests.

[0073] Step 6:

[0074] The server updates the prioritized user profile to the database.

[0075] Expense Tracking

[0076] Step 1:

[0077] Users enter their daily transactions and expenditures (e.g. buying coffee at a cafe).

[0078] Step 2:

[0079] The terminal receives this information and transmits it to the server.

[0080] Step 3:

[0081] The server automatically categorizes the user's transaction information.

[0082] Step 4:

[0083] The server updates the categorized expenditure information to a database.

[0084] Financial analysis function

[0085] Step 1:

[0086] The server retrieves the user's income information from a database.

[0087] Step 2:

[0088] The server retrieves the user's spending information from a database.

[0089] Step 3:

[0090] The server analyzes income and expenditure patterns to identify unnecessary expenditures.

[0091] Step 4:

[0092] The server calculates the surplus funds (income minus expenses).

[0093] Step 5:

[0094] The server updates this information in a database.

[0095] Budget allocation function

[0096] Step 1:

[0097] The user sets a specific goal (e.g., save $1,000 for a trip).

[0098] Step 2:

[0099] The terminal receives this target information and transmits it to the server.

[0100] Step 3:

[0101] The server retrieves the surplus fund information from the database.

[0102] Step 4:

[0103] The server calculates the optimal budget based on the user's goals.

[0104] Step 5:

[0105] The server updates the budget allocation to the database.

[0106] Simulation Function

[0107] Step 1:

[0108] The server retrieves the current budget allocation information from the database.

[0109] Step 2:

[0110] The server simulates future scenarios.

[0111] Step 3:

[0112] The server generates the simulation results.

[0113] Step 4:

[0114] The server transmits the simulation results to the terminal.

[0115] Interactive advice feature

[0116] Step 1:

[0117] The server retrieves the financial analysis results from the database.

[0118] Step 2:

[0119] The server generates advice based on the user's goals and financial situation.

[0120] Step 3:

[0121] The server sends the advice to the user.

[0122] User Interface

[0123] Step 1:

[0124] The device retrieves the user's financial data from a database.

[0125] Step 2:

[0126] The device displays data in an intuitive user interface.

[0127] Data Security and Privacy

[0128] Step 1:

[0129] The server encrypts the transmitted data.

[0130] Step 2:

[0131] The server stores the encrypted data in a database.

[0132] Example 1

[0133] 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."

[0134] Current home financial management tools do not adequately provide personalized budget allocation based on users' hobbies and interests, transaction management of income and expenses, future financial simulations, or specific financial advice. As a result, users face challenges in efficiently formulating financial plans and tracking progress toward achieving their goals.

[0135] 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.

[0136] In this invention, the server includes means for a user to input hobbies and interests, means for transmitting the information to a data processing device, means for retrieving user information from a data storage device, means for analyzing the retrieved user information and updating the prioritized information in the data storage device, means for receiving and automatically categorizing user transaction information and updating the information in the data storage device, means for retrieving user income information and expenditure information from the data storage device, means for calculating surplus funds based on the retrieved income information and expenditure information, means for updating the calculated surplus funds in the data storage device, means for calculating a budget based on the user's goals, means for updating the calculated budget in the data storage device, means for simulating future fund allocations, means for generating simulation results, means for transmitting the generated results to the data processing device, means for generating advice based on the user's goals and financial situation, means for transmitting advice information to the user, means for encrypting the retrieved data, means for storing the encrypted data in the data storage device, and means for displaying financial data in an intuitive interface, thereby enabling users to efficiently and systematically manage their finances in an optimal manner for their hobbies and goals.

[0137] "User" means an individual who uses the System to manage their hobbies, interests, and financial affairs.

[0138] "Hobbies and interests" are activities or subjects that a user personally enjoys or is interested in.

[0139] A "data processing device" is a device such as a server that receives information sent by a user and analyzes and updates it.

[0140] "User Information" refers to data entered by a user, such as hobbies and interests, income information, expenditure information, and goals that the user has set.

[0141] A "data storage device" is a database or storage for saving user information, analysis results, simulation results, etc.

[0142] "Transaction Information" is detailed information about a user's everyday purchases and expenditures.

[0143] "Automatic categorization" is the process of analyzing transaction information and assigning it to predefined categories.

[0144] "Income Information" means details of all income earned by a User.

[0145] "Expense Information" means details of all expenses made by a User.

[0146] "Surplus funds" are the funds remaining after subtracting expenses from income.

[0147] A "Goal" is a specific financial goal set by a user.

[0148] A "budget" is an allocation of funds that is systematically allocated to achieve a goal.

[0149] "Simulating future fund allocations" is a process of predicting future fund movements based on current budget allocations.

[0150] "Advice" is a specific course of action suggested to you based on your financial situation and goals.

[0151] "Encryption" is a technique for transforming information to maintain data security.

[0152] An "intuitive interface" is a visually designed interface that is easy for users to understand and operate.

[0153] The system of the present invention is a planning AI household accounting system that allows users to efficiently allocate funds based on their hobbies and interests. Specific embodiments of the present invention are described below.

[0154] System configuration

[0155] This system consists of a user-owned device, a server, and a data storage device. The device can be a smartphone, tablet, PC, etc., and the server can be a cloud server or a local server. The data storage device can be a database or other storage medium.

[0156] User profiling function

[0157] The user uses the device to access the application's profile entry screen and enter their hobbies and interests. For example, "travel" is entered as a hobby. This information is sent from the device to the server in encrypted form. The server uses this information to create a new user profile or update an existing profile. This profile information is then stored in a data storage device.

[0158] Expense Tracking

[0159] Users enter their daily spending information into the application. For example, they might enter "I bought a coffee at a cafe." This information is encrypted and sent from the device to the server. The server analyzes the received spending information and automatically classifies it into categories such as "food and drink." The classified spending information is updated in a data storage device, allowing users' spending patterns to be understood in real time.

[0160] Financial analysis function

[0161] The server retrieves the user's income and expenditure information from the data storage device and analyzes their income and expenditure patterns. It calculates surplus funds by identifying unnecessary expenditures. For example, if your monthly income is $3,000 and your monthly expenditure is $2,500, your surplus funds will be calculated as $500. This information is updated in the data storage device, allowing the user to always have an up-to-date view of their financial situation.

[0162] Budget allocation function

[0163] The user sets a specific goal using the terminal. For example, "I want to save $1,000 next year and go on a trip." This goal information is sent from the terminal to the server. The server retrieves surplus funds information from the data storage device and calculates the monthly savings amount based on the goal. For example, if $1,000 is saved in one year, the monthly savings amount will be approximately $83.33. This savings plan is saved in the data storage device.

[0164] Simulation Function

[0165] The server retrieves current budget allocation information from the data storage device and simulates future fund allocation. For example, it predicts whether the savings amount will reach the target of $1,000 in one year and generates the simulation results. The generated results are sent to the terminal and the user can check them in the application.

[0166] Interactive advice feature

[0167] The server retrieves the financial analysis results from the data storage device and generates specific advice based on the user's goals and financial situation. For example, it generates advice such as, "By reducing your dining expenses by $50 per month, you can save money for travel more quickly." This advice is sent to the device and can be viewed by the user through the application.

[0168] User Interface

[0169] The device retrieves the user's financial data from the data storage device and displays it to the user through an intuitive interface, such as showing the travel fund status, budget allocation, and expenditures in graphs and charts, allowing the user to easily understand their progress.

[0170] Data Security and Privacy

[0171] All data transmitted between the server and the device is encrypted. The encrypted data is securely stored on the data storage device, minimizing the risk of user data being leaked to third parties. Data access is also controlled, and security logs are monitored to prevent unauthorized access.

[0172] Examples of specific examples and prompts

[0173] As a concrete example, the following scenario can be considered.

[0174] 1. A user enters "travel" as a hobby.

[0175] 2. Enter "Purchased coffee at a cafe" as today's expenditure information.

[0176] 3. Enter your monthly income and expenses to calculate your surplus funds.

[0177] 4. Set a goal of $1,000 for travel the following year.

[0178] 5. Simulate whether you will reach your target amount in one year.

[0179] 6. Get advice on what expenses to cut based on your financial situation.

[0180] Example prompt sentence:

[0181] "If a user enters travel as a hobby, explain how a new profile is generated and saved."

[0182] "How does the server process the transaction information for buying coffee at a cafe?"

[0183] "Explain how the server analyzes your income and expenses to calculate your surplus funds."

[0184] If a user sets a savings goal for travel, how should the server calculate the monthly savings amount?

[0185] "Please tell us how you will generate simulation results of future fund allocations and provide them to users."

[0186] "Explain how you can provide specific advice based on a user's financial situation."

[0187] As described above, the embodiments of the present invention enable users to manage their funds efficiently and systematically, and realize optimal financial planning aimed at their own hobbies and goals.

[0188] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0189] Step 1:

[0190] The user accesses the profile input screen of the application and inputs their hobbies and interests. For example, they input "travel." This input hobby information becomes the input for processing. The device encrypts this information and sends it to the server. The server receives the encrypted information and analyzes the hobby information. The server analyzes the hobby information and creates or updates a user profile. This profile information is then saved in the data storage device.

[0191] Step 2:

[0192] The user accesses the application's expenditure input screen and enters daily expenditure information. For example, the user enters "purchased coffee at a cafe." This entered expenditure information becomes the input for processing. The device encrypts this information and sends it to the server. The server receives the encrypted information and analyzes the expenditure details. Based on the expenditure information, the server automatically classifies it into an appropriate category, such as the "food and drink" category. The classified expenditure information is updated in the data storage device, and the user's expenditure pattern is updated in real time.

[0193] Step 3:

[0194] The server acquires the user's income and expenditure information from the data storage device. This acquired income and expenditure information becomes the input for processing. The server analyzes income and expenditure patterns based on this information. The server calculates the surplus funds by subtracting expenses from income. For example, if monthly income is $3,000 and monthly expenses are $2,500, the surplus funds are calculated as $500. This calculation result becomes the output and is updated in the data storage device.

[0195] Step 4:

[0196] The user sets a specific goal through the application. For example, they might enter, "Save $1,000 next year and go on a trip." This entered goal information becomes the input for processing. The device encrypts this information and sends it to the server. The server retrieves surplus funds information from the data storage device and calculates the monthly savings amount based on the goal. For example, if $1,000 is saved in one year, the monthly savings amount will be approximately $83.33. The calculation result becomes the output and is saved in the data storage device as a savings plan.

[0197] Step 5:

[0198] The server retrieves current budget allocation information from the data storage device. This retrieved budget allocation information becomes the input for processing. The server simulates future fund allocation and predicts whether the set target amount will be reached. For example, it simulates whether the savings amount will reach the target of $1,000 in one year. The results of this simulation become the output and are sent to the terminal. The user can check the results in the application.

[0199] Step 6:

[0200] The server retrieves the latest financial analysis results from the data storage device. These retrieved financial analysis results serve as the input for processing. The server compares the user's goals with their current financial situation and generates specific advice. For example, the server generates advice such as "By reducing your food and beverage expenses by $50 per month, you will be able to save money for travel more quickly." This advice is output and sent to the terminal. The user can then view the advice in the application.

[0201] Step 7:

[0202] The device retrieves the user's latest financial data from the data storage device. This retrieved financial data serves as input for processing. The device generates graphs and charts based on the retrieved data, for example, showing the status of travel savings or a breakdown of expenses by category. The generated graphs and charts serve as output, which the user can view in the application.

[0203] Step 8:

[0204] All data sent between the device and the server is encrypted. The encrypted data is the input for processing. The server receives the encrypted data and stores it securely in a data storage device. This encrypted data is the output, ensuring security. Data access is also controlled, and security logs are monitored to prevent unauthorized access.

[0205] (Application example 1)

[0206] 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."

[0207] Conventional household accounting systems have the problem that it is difficult to manage a budget efficiently based on a user's hobbies and interests, and they lack functionality that links with daily spending tracking, such as food delivery apps, making it difficult to effectively manage finances based on the lifestyle that users desire.

[0208] 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.

[0209] In this invention, the server includes means for a user to input hobbies and interests, means for transmitting the information to the server, means for retrieving user data from a database, means for analyzing the retrieved user data and updating the prioritized information in the database, means for receiving and automatically categorizing user transaction information and updating the information in the database, means for retrieving user income information and expenditure information from the database, means for calculating surplus funds based on the retrieved income information and expenditure information, means for updating the calculated surplus funds in the database, means for calculating a budget based on the user's goals, means for updating the calculated budget in the database, means for simulating future budget allocations, means for generating simulation results, means for transmitting the generated results to the server, means for generating advice based on the user's goals and financial situation, means for transmitting advice information to the user, means for encrypting data, means for storing the encrypted data in the database, means for generating savings advice based on the user's spending patterns, means for notifying the user of the savings advice, and means for automatically tracking and categorizing expenditures through a food delivery app, thereby enabling a user to efficiently manage their budget and receive appropriate savings advice while using a food delivery app.

[0210] (Word definition)

[0211] "User" refers to an individual who uses the System and enters information about their hobbies, interests, income, and expenses.

[0212] "Hobbies and Interests" refers to activities, areas, or subjects that interest you personally.

[0213] "Server" refers to a computer system that can store data sent by users and perform analytical processing.

[0214] A "database" refers to an information storage system that systematically accumulates information such as users' hobbies, interests, income, and expenses.

[0215] "Transaction Information" refers to specific information relating to purchasing activities and expenditures made by a User.

[0216] "Category" refers to a classification item for classifying transaction information and expenditure information.

[0217] "Revenue Information" refers to specific data regarding the revenue earned by a user.

[0218] "Expense Information" refers to specific data regarding expenses paid by a User.

[0219] "Excess Funds" refers to the funds available after deducting expenses from a User's income.

[0220] "Goal" refers to a specific monetary plan that a user wishes to achieve.

[0221] "Budget" refers to the specific allocation of funds that a user plans to achieve a goal.

[0222] "Simulation" refers to a hypothetical calculation performed to predict future financial conditions.

[0223] "Advice" refers to specific advice provided based on a user's financial situation and goals.

[0224] A "food delivery app" refers to a dedicated application that allows users to order meals and request delivery.

[0225] "Savings Advice" refers to specific instructions or suggestions provided to users to help them reduce their everyday spending.

[0226] "Spending patterns" refers to a user's spending habits and tendencies.

[0227] "Encryption" refers to a security technology that converts data so that it cannot be deciphered by third parties.

[0228] patent specification

[0229] The system for implementing the present invention uses the following hardware and software.

[0230] Hardware and software used

[0231] Hardware: Servers (e.g., cloud servers or on-premise servers), user devices (smartphones, tablets, PCs, etc.)

[0232] Software: Python, Flask, SQLite, food delivery app

[0233] User profiling function

[0234] 1. Users use devices such as smartphones or tablets to enter their hobbies and interests, such as "travel" or "reading."

[0235] 2. This information is sent via the device to the server.

[0236] 3. The server receives the submitted data and creates a new user profile in the database, which sets the entered hobby information as a high priority and updates the database.

[0237] Expense Tracking

[0238] 1. A user makes a purchase using a food delivery app, for example, a transaction such as "ordering a pizza."

[0239] 2. Transaction information is automatically sent from the food delivery app to the server.

[0240] 3. The server analyzes the received transaction information and classifies it into the appropriate category (e.g., "food and drink"). This classification information is updated in the database.

[0241] Financial analysis function

[0242] 1. The server retrieves the user's income and expenditure information from the database.

[0243] 2. Based on the acquired income and expenditure data, the server calculates the surplus funds. For example, if the monthly income is $3000 and the monthly expenditure is $2500, the surplus funds is $500.

[0244] 3. The calculated surplus funds information is updated in the database, allowing users to always have the most up-to-date information on their financial situation.

[0245] Budget allocation function

[0246] 1. Users set a specific goal, such as "I want to save $1,000 and go on a trip next summer."

[0247] 2. This target information is sent from the device to the server.

[0248] 3. The server retrieves the surplus funds information from the database and calculates the monthly savings amount based on the goal. For example, you can plan to save $200 per month for travel, and update the information in the database.

[0249] Interactive advice feature

[0250] 1. The server retrieves the financial analysis results from the database.

[0251] 2. Based on the information obtained, the system generates advice based on the user's goals and financial situation. For example, it might generate specific advice such as, "By cutting your food and beverage expenses by $50 per month, you can save money for travel more quickly."

[0252] 3. This advice is sent from the server to the device, where the user can view it in the application.

[0253] User Interface

[0254] 1. The server retrieves the user's financial data from the database and displays it on the terminal through an intuitive interface.

[0255] 2. For example, graphs and charts can be used to display travel fund savings, budget allocation, and spending, allowing users to easily understand progress.

[0256] Data Security and Privacy

[0257] 1. The server encrypts all data transmitted and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties.

[0258] Examples and prompts

[0259] Specific examples

[0260] When User A uses a food delivery app, he or she sets a monthly food and beverage budget and receives suggestions and advice on how to use food delivery services within that budget.

[0261] User A enters his / her monthly income and hobby (e.g., "travel") into the app.

[0262] Spending information is automatically categorized for each food delivery use, and budget management is performed in real time.

[0263] At the end of the month, you'll see advice like, "By cutting your food and drink expenses by $30 a month, you'll save up travel funds several months faster."

[0264] Prompt Sentence Examples

[0265] “Generate specific advice on reducing food and beverage costs based on the user’s spending patterns.

[0266] Input: User ID: 12345, Income: 3000, Expenses: Entertainment (500), Shopping (200), Transportation (100), Goal: Travel fund $1000

[0267] Output: By cutting $50 off my dining expenses this month, I can plan ahead and save up for travel a few months sooner. I can also choose my favorite restaurants within my monthly budget.

[0268] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0269] Program processing steps

[0270] Step 1:

[0271] The user enters their hobbies and interests using a device (such as a smartphone or tablet). The entered information (e.g., "travel") is sent to the server via the device. At this time, the input data of hobbies and interests is sent to the server in JSON format. The server stores the received data in a database and creates an appropriate profile.

[0272] Input: User's hobbies and interests

[0273] Data processing: Convert to JSON format

[0274] Output: User profile stored in database

[0275] Step 2:

[0276] A user places an order using a food delivery app. The food delivery app automatically records the transaction information (e.g., "Pizza Order") and sends it to a server in real time. The server receives the transaction information, categorizes it into categories (e.g., "Food and Drink"), and stores it in a database.

[0277] Input: Transaction information from food delivery app

[0278] Data Calculation: Category Classification

[0279] Output: Transaction information stored in the database

[0280] Step 3:

[0281] The server periodically obtains the user's income and expenditure information. Based on the income and expenditure data, the server calculates the monthly surplus funds (e.g., monthly income $3,000, expenditure $2,500, surplus funds $500). The calculated surplus funds information is updated in the database.

[0282] Input: Income and expenditure information

[0283] Data calculation: Calculating surplus funds

[0284] Output: Updated surplus funds information in the database

[0285] Step 4:

[0286] The user sets a specific goal using the device. The goal information (e.g., "I want to save $1,000 and go on a trip next summer") is sent to the server. The server calculates the monthly savings amount (e.g., $200 per month) based on the surplus funds information and updates the information in the database.

[0287] Input: User goal information

[0288] Data calculation: Calculate monthly savings amount

[0289] Output: Updated fund information in the database

[0290] Step 5:

[0291] The server retrieves current budget allocation information from the database and simulates future fund allocation. It generates the simulation results (e.g., whether the target of $1,000 will be reached in one year) and sends them to the terminal. The user can check the simulation results on the terminal.

[0292] Input: Budget Allocation Information

[0293] Data calculation: Simulation of future fund allocation

[0294] Output: Generated simulation results

[0295] Step 6:

[0296] The server uses the user's financial data to generate savings advice based on the user's goals and financial situation. For example, it creates specific advice such as "reducing your dining expenses by $50 per month will help you save money for travel more quickly" and sends it to the device. The user can then review this advice and adjust their spending.

[0297] Input: Financial analysis data

[0298] Data Operations: Advice Generation

[0299] Output: Advice information sent to terminal

[0300] Step 7:

[0301] The server encrypts all transmitted data and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties.

[0302] Input: Send data

[0303] Data processing: Data encryption

[0304] Output: Encrypted data stored in the database

[0305] 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.

[0306] The system of the present invention is a planning AI household account book that allows users to efficiently allocate funds to their hobbies and interests, and is also combined with an emotion engine. Specific embodiments for implementing the system of the present invention are described below.

[0307] User profiling function

[0308] The user enters their hobbies and interests into the application. For example, the user enters "travel" as a hobby. This input information is sent to the server via the device, and if the user data does not exist in the database, the server creates a new user profile. The user's input data is also analyzed by an emotion engine to determine the user's emotional state. Based on the determined emotion, the user's hobbies and interests are further prioritized. Once this process is complete, the information is updated in the database.

[0309] Expense Tracking

[0310] Users enter their daily spending information into the application. For example, they enter a transaction such as "buying coffee at a cafe." This information is sent from the device to the server, which automatically classifies it as a "food and drink" category. The user's emotional state, which accompanies the transaction information, is also analyzed and updated in the database along with the spending information. During this process, if a particular emotion influences spending patterns, this is also retained as data.

[0311] Financial analysis function

[0312] The server retrieves the user's income and expenditure information from the database and analyzes income and expenditure patterns. The emotion engine references the emotional data associated with each transaction to identify unnecessary spending or emotionally driven impulsive spending. For example, it identifies increased spending on food and beverages during periods of high stress. Surplus funds are calculated and updated to the database.

[0313] Budget allocation function

[0314] The user sets a specific goal (e.g., saving $1,000 for a trip). This goal information is sent from the device to the server. The server retrieves surplus funds information from the database and calculates the monthly savings amount based on the goal. The emotion engine takes into account the user's emotional state and allocates the budget to realistically and smoothly achieve the goal. For example, during periods of emotional instability, it also considers budgets that will help reduce stress. This information is updated in the database.

[0315] Simulation Function

[0316] The server retrieves current budget allocation information from the database and simulates future fund allocations. An emotion engine is also incorporated into the simulation, taking into account the impact of the user's emotional state on future fund allocations. For example, different fund allocation scenarios are generated depending on the user's emotional state. The simulation results are generated by the server and sent to the device. The user can view the simulation results in the application.

[0317] Interactive advice feature

[0318] The server retrieves the financial analysis results from the database and generates advice based on the user's goals and financial situation. The emotion engine takes into account the user's emotional state and provides appropriate advice. For example, specific advice such as "reducing your food and beverage expenses by $50 per month will help you save money for travel more quickly" is generated, and the server checks whether the user's emotional state is stress-free. This advice information is sent to the user and displayed on their device.

[0319] User Interface

[0320] The device retrieves the user's financial data from the database and displays it to the user through an intuitive and emotional interface, such as graphs and charts showing the travel fund status, budget allocation, and spending, allowing the user to easily understand their progress.

[0321] Data Security and Privacy

[0322] The server encrypts all data sent and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties and protecting privacy.

[0323] By integrating these functions, the system of the present invention enables users to efficiently manage their funds and make planned investments aimed at their hobbies and goals. In addition, by incorporating an emotion engine, the system provides more personalized advice and plans that take into account the user's emotional state, helping users achieve their goals without stress.

[0324] The processing flow will be explained below.

[0325] User profiling function

[0326] Step 1:

[0327] The user enters their hobbies and interests (e.g., travel) into the application.

[0328] Step 2:

[0329] The terminal receives this input information and sends it to the server.

[0330] Step 3:

[0331] The server retrieves the user data from the database.

[0332] Step 4:

[0333] If the server does not have a user profile in the database, it will initialize new user data.

[0334] Step 5:

[0335] The server collects and prioritizes information about the user's hobbies and interests.

[0336] Step 6:

[0337] The server uses an emotion engine to analyze the user's emotions based on the collected information.

[0338] Step 7:

[0339] The server adjusts the priorities of hobbies and interests based on the analysis results.

[0340] Step 8:

[0341] The server updates the user profile with adjusted priorities to the database.

[0342] Expense Tracking

[0343] Step 1:

[0344] Users enter their daily transactions and expenditures (e.g. buying coffee at a cafe).

[0345] Step 2:

[0346] The terminal receives this information and transmits it to the server.

[0347] Step 3:

[0348] The server automatically categorizes the user's transaction information.

[0349] Step 4:

[0350] The server analyzes the emotion data attached to the transaction information using an emotion engine.

[0351] Step 5:

[0352] The server updates both the transaction information and the emotion data to the database.

[0353] Financial analysis function

[0354] Step 1:

[0355] The server retrieves the user's income information from a database.

[0356] Step 2:

[0357] The server retrieves the user's spending information from a database.

[0358] Step 3:

[0359] The server analyzes your income and spending patterns.

[0360] Step 4:

[0361] The server uses an emotion engine to look at the emotion data associated with each transaction and identify unnecessary spending and emotionally driven impulsive spending.

[0362] Step 5:

[0363] The server calculates the surplus funds (income minus expenses).

[0364] Step 6:

[0365] The server updates this information in a database.

[0366] Budget allocation function

[0367] Step 1:

[0368] The user sets a specific goal (e.g., save $1,000 for a trip).

[0369] Step 2:

[0370] The terminal receives this target information and transmits it to the server.

[0371] Step 3:

[0372] The server retrieves the surplus fund information from the database.

[0373] Step 4:

[0374] The server calculates the optimal budget based on the user's goals.

[0375] Step 5:

[0376] The server utilizes an emotion engine to adjust budget allocation based on the user's emotional state.

[0377] Step 6:

[0378] The server updates the calculated budget allocation to the database.

[0379] Simulation Function

[0380] Step 1:

[0381] The server retrieves the current budget allocation information from the database.

[0382] Step 2:

[0383] The server simulates future funding scenarios.

[0384] Step 3:

[0385] The server uses an emotion engine to generate different fund allocation scenarios based on emotional states.

[0386] Step 4:

[0387] The server generates the simulation results.

[0388] Step 5:

[0389] The server transmits the simulation results to the terminal.

[0390] Interactive advice feature

[0391] Step 1:

[0392] The server retrieves the financial analysis results from the database.

[0393] Step 2:

[0394] The server generates advice based on the user's goals and financial situation.

[0395] Step 3:

[0396] The server uses an emotion engine to tailor the advice content based on the user's emotional state.

[0397] Step 4:

[0398] The server sends advice information to the user.

[0399] User Interface

[0400] Step 1:

[0401] The device retrieves the user's financial data from a database.

[0402] Step 2:

[0403] The device displays data in an intuitive and emotionally sensitive user interface.

[0404] Data Security and Privacy

[0405] Step 1:

[0406] The server encrypts the transmitted data.

[0407] Step 2:

[0408] The server stores the encrypted data in a database.

[0409] Example 2

[0410] 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."

[0411] In modern household management and financial planning, users often find it difficult to allocate funds efficiently based on their hobbies and interests, and are unable to consider the impact of their emotional state on spending and budget allocation, resulting in incomplete planning and ineffective financial management.

[0412] The identification process by the identification processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means. In this invention, the server includes a means for a user to input hobbies and interests, a means for transmitting the information to the server, a means for acquiring user data from a database, a means for using an emotion engine to analyze the acquired user data, a means for prioritizing the analyzed information, a means for updating the prioritized information in the database, a means for receiving and automatically categorizing user transaction information, a means for using an emotion engine to analyze an emotion state related to the transaction information, a means for updating the information in the database, a means for acquiring user income information and expenditure information from the database, a means for calculating surplus funds based on the acquired income information and expenditure information, and a means for updating the calculated surplus funds in the database. The system includes a means for updating the database, a means for calculating a budget based on a user's goals, a means for using an emotion engine to calculate a budget taking into account the user's emotional state, a means for updating the calculated budget to the database, a means for simulating future fund allocations, a means for simulating future fund allocations using the emotion engine, a means for generating simulation results, a means for transmitting the generated results to a terminal, a means for generating advice based on the user's goals and financial situation, a means for using the emotion engine to take into account the user's emotional state when generating advice, a means for transmitting advice information to the user, a means for encrypting data, and a means for storing the encrypted data in a database. This enables efficient fund allocation according to the user's hobbies and interests, and realizes planned fund management taking into account the user's emotional state.

[0413] A "User" is an individual or their representative who uses the System and enters information such as hobbies, interests, and spending information.

[0414] A "terminal" is an electronic device used by a user to input information and communicate with a server. Examples include smartphones, tablets, and personal computers.

[0415] "Server" means a centralized computer system that receives, stores, and processes information submitted by users.

[0416] A "database" is a collection of data that is acquired and managed by a server, and includes various types of information such as user data, income information, and expenditure information.

[0417] The "emotion engine" is an algorithm that analyzes user input and transaction information, determines their emotional state, and performs analysis based on that.

[0418] "Hobbies and interests" are activities and concerns that users engage in based on their own enjoyment and interest, and are the subject of planning.

[0419] "Transaction information" refers to records of expenditures made by a user in their daily lives, including, for example, purchase history and payment information.

[0420] "Expense information" is data regarding the amount and content of expenditures made by a user.

[0421] "Income Information" means data regarding the income earned by a User and its breakdown.

[0422] "Surplus funds" is the amount of money remaining unused by the user, calculated based on income and expenditure information.

[0423] A "budget" is a financial allocation that a user plans to achieve a specific goal.

[0424] "Simulation" is the process of virtually calculating future funding allocations and budget situations.

[0425] "Advice" is the process of suggesting optimal actions or ways to reduce spending based on the user's goals, financial situation, and emotional state.

[0426] "Encryption" is the process of converting data into a form that cannot be deciphered by third parties, a process that protects privacy and security.

[0427] The system of the present invention is a planning AI household account book that allows users to efficiently allocate funds to their hobbies and interests, and is combined with an emotion engine. Specific embodiments for carrying out the invention are described below.

[0428] Hardware and Software Configuration

[0429] User device:

[0430] The user terminal is an electronic device such as a smartphone, tablet, or PC that runs the application, allowing the user to input information such as hobbies, interests, and spending information and communicate with the server.

[0431] server:

[0432] The server acts as a central location for receiving, storing, and processing information sent by users. The server contains a database management system (DBMS) and an emotion engine.

[0433] Database:

[0434] The database is used to store and manage user profile information, income information, expenditure information, emotional information, etc.

[0435] Emotion Engine:

[0436] The emotion engine is an algorithm that analyzes user input and transaction information to determine the user's emotional state. This engine is implemented on the server and is used for data analysis.

[0437] User Interface

[0438] Users enter information such as hobbies, interests, and spending through the device's application. This information is then sent to the server. The application provides an intuitive interface and is designed to be easy for users to use. For example, when entering hobbies and interests, users can select categories and enter keywords.

[0439] Data transmission and processing

[0440] The data entered by the user is sent from the device to the server. The server receives the data and stores it in a database. When creating or updating a profile based on the user's new hobbies and interests, the data is analyzed using an emotion engine to determine the user's emotional state. Based on the determined emotional state, the priorities of the user's hobbies and interests are adjusted and updated in the database.

[0441] Financial Management and Forecasting

[0442] The server retrieves the user's income and expenditure information from the database and analyzes their patterns using an emotion engine. This identifies unnecessary expenditures and emotionally driven impulsive expenditures and calculates surplus funds. The server also calculates a budget based on the user's set goal (e.g., "save $1,000 for a trip") and allocates a realistic budget taking into account the user's emotional state.

[0443] Simulation and Advice

[0444] The server uses an emotion engine to simulate future financial allocations and generate scenarios based on the user's emotional state. This allows the user to see the results of the simulation. It also generates and sends specific advice to the user based on the user's goals and financial situation. For example, the advice might be, "If you cut your dining expenses by $50 a month, you'll save money for travel even faster."

[0445] Security and Privacy Protection

[0446] The server encrypts all data sent and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties and protecting privacy.

[0447] Specific examples

[0448] For example, User A registers "travel" as a hobby in the app and records his daily expenses. The emotion engine analyzes income and expenditure information and identifies that food and beverage expenses increase during times of stress. User A sets a goal of "saving $1,000 for travel," and the server suggests saving $100 per month. It then conducts a simulation that takes into account User A's emotional state and provides specific advice such as "If you cut your food and beverage expenses by $50 per month, you will be able to save money for travel more quickly."

[0449] Prompt Sentence Examples

[0450] Below are some examples of how to use this system and some prompts for the generative AI model.

[0451] "We want users to simulate how much they can save by setting a travel expense goal, and receive advice tailored to their emotional state."

[0452] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0453] Step 1:

[0454] The user uses the device to input their hobbies and interests into the application. Specifically, the user inputs a hobby such as "travel" and presses the send button. Input: Data related to hobbies and interests. Output: Data sent to the server.

[0455] Step 2:

[0456] The device sends the hobby and interest data entered to the server. Specifically, the hobby data entered is sent to the server via an HTTP request. Input: Hobby and interest data. Output: Data sent to the server.

[0457] Step 3:

[0458] The server stores the received data in a database. The server first checks the database to see if the user data already exists. If not, it creates a new profile. Input: Hobbies and interests data sent to the server. Output: User profile stored in the database.

[0459] Step 4:

[0460] The data received by the server is analyzed by the emotion engine to determine the user's emotional state. For example, it may be determined that the user has a strong positive emotion toward the hobby of "travel." Input: Data related to hobbies and interests. Output: Determined emotional state.

[0461] Step 5:

[0462] Based on the analysis results of the emotion engine, the server adjusts the priority of hobbies and interests and updates the database. For example, "travel" is set as the user's top priority hobby. Input: Determined emotional state. Output: Updated database.

[0463] Step 6:

[0464] The user inputs daily expenditure information into the terminal. For example, they input specific expenditure information such as "purchasing coffee at a cafe" and press the send button. Input: Expenditure information. Output: Data sent to the server.

[0465] Step 7:

[0466] The terminal sends the entered expenditure information to the server. Specifically, the expenditure data is sent to the server via an HTTP request. Input: Expenditure information. Output: Data sent to the server.

[0467] Step 8:

[0468] The server automatically categorizes the received expenditure information. For example, "buying coffee at a cafe" is classified as "food and drink." Input: Received expenditure information. Output: Categorized expenditure information.

[0469] Step 9:

[0470] The server analyzes the emotional state associated with the transaction information received by the emotion engine and updates the database. For example, it determines that spending in the food and beverage category increases during periods of increased stress. Input: Transaction information and analysis by the emotion engine. Output: Updated database.

[0471] Step 10:

[0472] The server retrieves the user's income and expenditure information from the database. Specific processing involves executing SQL queries to extract the required data. Input: SQL query to the database. Output: Retrieved income and expenditure data.

[0473] Step 11:

[0474] The server calculates the surplus funds based on the income and expenditure information. For example, if the income is $2000 per month and the expenditure is $1500 per month, the surplus funds will be $500. Input: Obtained income and expenditure data. Output: Calculated surplus funds.

[0475] Step 12:

[0476] The calculated surplus cash information is updated in the database. The server adds a new record to the database and stores the surplus cash. Input: Calculated surplus cash. Output: Updated database.

[0477] Step 13:

[0478] The user sets a specific goal using the terminal. For example, they input a goal such as "save $1,000 for a trip" and press the send button. Input: Goal setting data. Output: Data sent to the server.

[0479] Step 14:

[0480] The device sends the goal setting data to the server. Specifically, the goal data is sent to the server via an HTTP request. Input: goal setting data. Output: data sent to the server.

[0481] Step 15:

[0482] The server retrieves surplus fund data from the database and calculates the amount to save based on the goal. For example, if the monthly surplus fund is $500 and the goal amount is $1,000, it calculates that two months of saving is required to reach the goal. Input: Goal setting data and surplus fund data. Output: Calculated amount to save.

[0483] Step 16:

[0484] The server allocates a realistic budget taking into account the user's emotional state. For example, it allocates a moderate budget to relaxation activities to reduce stress. Input: Calculated reserve amount and emotional state. Output: Adjusted budget allocation.

[0485] Step 17:

[0486] The calculated budget information is updated in the database. The server adds a new record to the database and saves the budget information. Input: Adjusted budget allocation. Output: Updated database.

[0487] Step 18:

[0488] The server simulates future fund allocations. It uses an emotion engine to generate multiple scenarios and provides the user with the optimal simulation results. Input: Latest budget allocation information and emotion information. Output: Simulation results.

[0489] Step 19:

[0490] The generated simulation results are sent to the terminal. The user checks the results in the application. Input: Simulation results. Output: Data sent to the terminal.

[0491] Step 20:

[0492] The server generates advice based on the user's goals and financial situation. It uses an emotion engine to suggest specific actions and ways to improve. Input: User's goals and financial data. Output: Generated advice.

[0493] Step 21:

[0494] Advice information is sent to the user. For example, a suggestion such as "By cutting your food and drink expenses by $50 per month, you can save money for travel even faster" is provided. Input: Generated advice. Output: Data sent to the terminal.

[0495] Step 22:

[0496] The server encrypts all data sent and stores it securely in a database, ensuring data privacy and security. Input: All data sent by the user. Output: A database containing encrypted data.

[0497] (Application example 2)

[0498] 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."

[0499] Conventional household accounting applications rarely provided specific financial management support based on users' hobbies and interests. Furthermore, there were no systems that provided budget allocation or purchasing advice that took into account the user's emotional state. This made it difficult for users to plan their finances and curb unexpected spending or unnecessary purchases. Furthermore, the lack of an intuitive and emotionally sensitive user interface made it difficult for users to use the system without stress. To solve these issues, a new system was needed.

[0500] 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.

[0501] In this invention, the server includes means for a user to input hobbies and interests, means for transmitting the information to the server, means for retrieving user data from a database, means for analyzing the retrieved user data and updating the database with prioritized information, means for receiving and automatically categorizing user transaction information and means for updating the information to the database, means for retrieving user income information and expense information from the database, means for calculating surplus funds based on the retrieved income information and expense information, means for updating the database with the calculated surplus funds, means for calculating a budget based on the user's goals, means for updating the database with the calculated budget, means for simulating future fund allocation, means for generating simulation results, means for transmitting the generated results to the server, means for generating advice based on the user's goals and financial situation, means for generating advice suitable for the user based on the emotional state, means for improving future fund allocation based on the simulation results, means for transmitting advice information to the user, means for encrypting data, means for storing the encrypted data in the database, and means for configuring an intuitive and emotion-sensitive user interface. This allows users to efficiently manage their finances based on their hobbies and interests, receive more personalized advice and plans that take into account their emotional state, and achieve their goals stress-free.

[0502] "Hobbies and interests" are specific interests or preferences in activities or subjects that an individual has.

[0503] A "server" is a part of a computer system that processes and manages data over a network.

[0504] "Priority" is a standard for determining the order in which multiple matters are processed or addressed based on their importance or urgency.

[0505] A "database" is a system for efficiently storing, managing, retrieving, and editing large amounts of data.

[0506] "Transaction Information" refers to detailed data about a user's purchases and spending.

[0507] "Categorization" refers to the process of separating transaction information into different groups based on specific classification criteria.

[0508] "Income Information" means data about a User's source of income and amount of income.

[0509] "Expense information" refers to data relating to expenditures such as purchases and service usage by users.

[0510] "Surplus funds" are the disposable funds remaining after subtracting income from expenses.

[0511] A "budget" is a financial plan allocated for a specific purpose or period of time.

[0512] "Simulation" is the process of modeling a real-world situation and using that model to predict future trends and outcomes.

[0513] An "emotional state" refers to an individual's psychological feelings or mood at a particular point in time.

[0514] "Advice" means advice or suggestions to help a user make sound financial or spending decisions.

[0515] "Encryption" is a security technology that converts data based on a specific algorithm to prevent third parties from deciphering it.

[0516] "User interface" refers to the means or screen display through which a user interacts with a system.

[0517] "Personalization" means providing information and services that are optimized to meet the needs and preferences of a particular user.

[0518] "Intuitive" means that the product is designed to be intuitive and easy for users to understand, without requiring complex operations.

[0519] "Stress" is a state of mind and body that causes strain and tension.

[0520] The system for realizing this invention provides a set of features that allow users to manage their finances effectively based on their unique hobbies and interests, and receive personalized advice that takes into account their emotional state.

[0521] Feature Overview

[0522] User profiling function

[0523] The user enters their hobbies and interests into the application. This information is sent via the device to the server, which stores it in a database. The user's input data is analyzed by the emotion engine to determine their emotional state. Based on this, the application adjusts the priorities of the user's hobbies and interests. This information is then updated in the database.

[0524] Expense Tracking

[0525] Users enter their daily spending information, which is then sent from their device to a server that automatically categorizes and updates the database. If certain emotions influence spending patterns, that data is also retained.

[0526] Financial analysis function

[0527] The server retrieves the user's income and expenditure information from the database and calculates the user's surplus funds based on that information. The emotion engine references the emotional data associated with each transaction to identify unnecessary expenditures and impulsive expenditures based on emotions. The results are then updated in the database.

[0528] Budget allocation function

[0529] When a user sets a specific goal, the goal information is sent from the device to the server. The server calculates the monthly savings amount based on the surplus funds information and allocates the budget taking into account the user's emotional state. This information is updated in the database.

[0530] Simulation Function

[0531] The server retrieves current budget allocation information from the database and simulates future fund allocations. It uses an emotion engine to generate different scenarios and present them to the user. The simulation results are sent to the terminal and can be viewed by the user.

[0532] Interactive advice feature

[0533] The server generates advice based on the financial analysis results, taking into account the user's goals and financial situation. It also uses an emotion engine to provide advice tailored to the user. This advice information is sent to the terminal and displayed to the user.

[0534] User Interface

[0535] The device displays financial data retrieved from the database in an intuitive and emotionally relevant way, for example, showing travel savings and expenditures in graphs and charts, allowing users to easily understand their progress.

[0536] Data Security and Privacy

[0537] The server encrypts all data and stores it securely in a database, ensuring user privacy.

[0538] Specific examples

[0539] For example, if a user enters "travel" as a hobby, the emotion engine will determine that the user is in a "high emotional state." Based on this information, the application will recommend travel-related products and services and calculate the user's budget allocation for purchasing them. Additionally, when a user enters their daily spending information, the application will categorize the information and calculate the surplus funds by comparing it with their income information.

[0540] Prompt Sentence Examples

[0541] If you ask a user, "What are your hobbies?" and the user answers, "Traveling":

[0542] Save the user's hobby as "travel" and analyze their emotions with an emotion engine. Then, recommend travel-related products and services and calculate and display budget allocations.

[0543] This allows users to efficiently manage their finances based on their hobbies and interests, receive more personalized advice and plans that take into account their emotional state, and achieve their goals stress-free.

[0544] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0545] Program processing flow

[0546] The processing flow of the program of the system that realizes the application example will be explained below step by step.

[0547] Step 1:

[0548] The user enters their hobbies and interests into the application

[0549] Input: The user uses their smartphone to enter their hobbies or interests (e.g., travel) into an input field in the application.

[0550] Output: The input data is sent from the device to the server.

[0551] Specific behavior: The application performs format checks on input data before sending it to the server, and rejects data with malformed formats.

[0552] Step 2:

[0553] The server stores the received information in a database and analyzes it using an emotion engine.

[0554] Input: User hobbies and interests data sent from the device.

[0555] Output: Emotional state results based on the saved user profile and input data.

[0556] Specific operation: The server stores the received data in a database and performs sentiment analysis using an emotion engine (e.g., TextBlob, NLTK).

[0557] Step 3:

[0558] The server adjusts the priorities of the user's hobbies and interests based on their emotional state.

[0559] Input: Emotion data parsed by the emotion engine.

[0560] Output: Adjusted priority information.

[0561] What it does: Based on the emotional data, the algorithm recalculates the priorities of hobbies and interests and updates the database.

[0562] Step 4:

[0563] Users enter their daily spending information

[0564] Input: A user uses their smartphone to enter spending information (e.g., buying a coffee at a cafe) into an application.

[0565] Output: The spending information is sent to the server.

[0566] What it does: When spending information is entered, the application pre-processes the data to automatically categorize it into categories.

[0567] Step 5:

[0568] The server categorizes the expenditure information and updates it in the database.

[0569] Input: User's spending information.

[0570] Output: Categorized expenditure information.

[0571] Specific operation: The server receives expenditure information, categorizes it using an automatic categorization algorithm (e.g., Naive Bayes classification), and updates the database.

[0572] Step 6:

[0573] The server calculates the surplus funds based on the income and expenditure information.

[0574] Input: Income and expense information retrieved from a database.

[0575] Output: The calculated surplus funds.

[0576] Specific operation: The server obtains income and expenditure information, calculates the surplus funds by subtracting them, and updates the result in the database.

[0577] Step 7:

[0578] Users set goals and calculate budgets based on those goals

[0579] Input: User-defined goals and surplus funds information.

[0580] Output: Calculated budget allocation.

[0581] Specific operation: The application sends the user's set goals to the server, and the server uses an algorithm to calculate the monthly budget allocation based on surplus funds information and updates the database.

[0582] Step 8:

[0583] The server simulates future allocations of funds

[0584] Input: Current budget allocation information and sentiment data.

[0585] Output: Simulation results.

[0586] Specific operation: The server uses a simulation engine to generate different scenarios, simulate future fund allocations, and send the results to the terminal.

[0587] Step 9:

[0588] The server generates advice and provides it to the user.

[0589] Input: Financial analysis results and sentiment data.

[0590] Output: Advice suitable for the user.

[0591] Specific operation: The server uses an algorithm to generate advice based on financial analysis results, and takes emotional data into account to send personalized advice to the device.

[0592] Step 10:

[0593] The terminal displays financial data in a user interface

[0594] Input: Financial data retrieved from the database.

[0595] Output: The visualization data that is displayed in the user interface.

[0596] What it does: The device uses the acquired financial data to generate intuitive and emotionally relevant graphs and charts and displays them to the user.

[0597] Step 11:

[0598] The server encrypts and stores all data

[0599] Input: The data generated at each step.

[0600] Output: Data encrypted and stored in the database.

[0601] What happens: The server encrypts the data using an encryption algorithm (e.g., AES encryption) and stores it securely in the database.

[0602] 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.

[0603] 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.

[0604] 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.

[0605] [Second embodiment]

[0606] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0607] 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.

[0608] 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).

[0609] 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.

[0610] 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.

[0611] 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).

[0612] 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.

[0613] 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.

[0614] 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.

[0615] 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.

[0616] 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.

[0617] 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."

[0618] The system of the present invention is a planning AI household account book that allows users to efficiently allocate funds to their hobbies and interests. Specific embodiments for implementing the system of the present invention are described below.

[0619] User profiling function

[0620] A user inputs their hobbies and interests into an application. For example, a user inputs "travel" as a hobby. This input information is sent to the server via the terminal. If the user data does not exist in the database, the server creates a new user profile and sets the input hobby information as a high priority. Once this prioritization is complete, the profile information is updated in the database.

[0621] Expense Tracking

[0622] Users enter their daily spending information into the application. For example, they enter transaction information such as "buying coffee at a cafe." This information is sent from the device to the server, which automatically classifies it as a "food and drink" category. The classified spending information is updated in the database, allowing users' spending patterns to be understood in real time.

[0623] Financial analysis function

[0624] The server retrieves the user's income and expenditure information from a database. It calculates surplus funds by analyzing income and expenditure patterns and identifying unnecessary expenses. For example, if your monthly income is $3,000 and your monthly expenses are $2,500, your surplus funds will be calculated as $500. This information is updated in the database, ensuring that the user's financial situation is always up to date.

[0625] Budget allocation function

[0626] The user sets a specific goal, for example, "I want to save $1,000 and go on a trip next summer." This goal information is sent from the device to the server. The server retrieves surplus funds information from the database and calculates the monthly savings amount based on the goal. For example, the user makes a plan to save $200 per month for travel funds and updates that information to the database.

[0627] Simulation Function

[0628] The server retrieves current budget allocation information from the database and simulates future fund allocation. For example, it predicts whether the savings amount will reach the target of $1,000 in one year. The simulation results are generated by the server and sent to the terminal. The user can check the simulation results in the application.

[0629] Interactive advice feature

[0630] The server retrieves the financial analysis results from the database and generates advice based on the user's goals and financial situation. For example, specific advice such as "reducing your food and beverage expenses by $50 per month will help you save money for travel more quickly" is generated and sent to the device. The user can then review this advice in the application and apply it to their daily spending.

[0631] User Interface

[0632] The device retrieves the user's financial data from the database and displays it to the user through an intuitive interface, such as graphs and charts showing the travel fund status, budget allocation, and spending, allowing users to easily understand their progress.

[0633] Data Security and Privacy

[0634] The server encrypts all data sent and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties and protecting privacy.

[0635] By integrating these functions, the system of the present invention enables users to efficiently manage their funds and make planned investments aimed at their hobbies and goals.

[0636] The processing flow will be explained below.

[0637] User profiling function

[0638] Step 1:

[0639] The user enters their hobbies and interests (e.g., travel) into the application.

[0640] Step 2:

[0641] The terminal receives this input information and sends it to the server.

[0642] Step 3:

[0643] The server retrieves the user data from the database.

[0644] Step 4:

[0645] If the server does not have a user profile in the database, it will initialize new user data.

[0646] Step 5:

[0647] The server collects and prioritizes information about the user's hobbies and interests.

[0648] Step 6:

[0649] The server updates the prioritized user profile to the database.

[0650] Expense Tracking

[0651] Step 1:

[0652] Users enter their daily transactions and expenditures (e.g. buying coffee at a cafe).

[0653] Step 2:

[0654] The terminal receives this information and transmits it to the server.

[0655] Step 3:

[0656] The server automatically categorizes the user's transaction information.

[0657] Step 4:

[0658] The server updates the categorized expenditure information to a database.

[0659] Financial analysis function

[0660] Step 1:

[0661] The server retrieves the user's income information from a database.

[0662] Step 2:

[0663] The server retrieves the user's spending information from a database.

[0664] Step 3:

[0665] The server analyzes income and expenditure patterns to identify unnecessary expenditures.

[0666] Step 4:

[0667] The server calculates the surplus funds (income minus expenses).

[0668] Step 5:

[0669] The server updates this information in a database.

[0670] Budget allocation function

[0671] Step 1:

[0672] The user sets a specific goal (e.g., save $1,000 for a trip).

[0673] Step 2:

[0674] The terminal receives this target information and transmits it to the server.

[0675] Step 3:

[0676] The server retrieves the surplus fund information from the database.

[0677] Step 4:

[0678] The server calculates the optimal budget based on the user's goals.

[0679] Step 5:

[0680] The server updates the budget allocation to the database.

[0681] Simulation Function

[0682] Step 1:

[0683] The server retrieves the current budget allocation information from the database.

[0684] Step 2:

[0685] The server simulates future scenarios.

[0686] Step 3:

[0687] The server generates the simulation results.

[0688] Step 4:

[0689] The server transmits the simulation results to the terminal.

[0690] Interactive advice feature

[0691] Step 1:

[0692] The server retrieves the financial analysis results from the database.

[0693] Step 2:

[0694] The server generates advice based on the user's goals and financial situation.

[0695] Step 3:

[0696] The server sends the advice to the user.

[0697] User Interface

[0698] Step 1:

[0699] The device retrieves the user's financial data from a database.

[0700] Step 2:

[0701] The device displays data in an intuitive user interface.

[0702] Data Security and Privacy

[0703] Step 1:

[0704] The server encrypts the transmitted data.

[0705] Step 2:

[0706] The server stores the encrypted data in a database.

[0707] Example 1

[0708] 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."

[0709] Current home financial management tools do not adequately provide personalized budget allocation based on users' hobbies and interests, transaction management of income and expenses, future financial simulations, or specific financial advice. As a result, users face challenges in efficiently formulating financial plans and tracking progress toward achieving their goals.

[0710] 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.

[0711] In this invention, the server includes means for a user to input hobbies and interests, means for transmitting the information to a data processing device, means for retrieving user information from a data storage device, means for analyzing the retrieved user information and updating the prioritized information in the data storage device, means for receiving and automatically categorizing user transaction information and updating the information in the data storage device, means for retrieving user income information and expenditure information from the data storage device, means for calculating surplus funds based on the retrieved income information and expenditure information, means for updating the calculated surplus funds in the data storage device, means for calculating a budget based on the user's goals, means for updating the calculated budget in the data storage device, means for simulating future fund allocations, means for generating simulation results, means for transmitting the generated results to the data processing device, means for generating advice based on the user's goals and financial situation, means for transmitting advice information to the user, means for encrypting the retrieved data, means for storing the encrypted data in the data storage device, and means for displaying financial data in an intuitive interface, thereby enabling users to efficiently and systematically manage their finances in an optimal manner for their hobbies and goals.

[0712] "User" means an individual who uses the System to manage their hobbies, interests, and financial affairs.

[0713] "Hobbies and interests" are activities or subjects that a user personally enjoys or is interested in.

[0714] A "data processing device" is a device such as a server that receives information sent by a user and analyzes and updates it.

[0715] "User Information" refers to data entered by a user, such as hobbies and interests, income information, expenditure information, and goals that the user has set.

[0716] A "data storage device" is a database or storage for saving user information, analysis results, simulation results, etc.

[0717] "Transaction Information" is detailed information about a user's everyday purchases and expenditures.

[0718] "Automatic categorization" is the process of analyzing transaction information and assigning it to predefined categories.

[0719] "Income Information" means details of all income earned by a User.

[0720] "Expense Information" means details of all expenses made by a User.

[0721] "Surplus funds" are the funds remaining after subtracting expenses from income.

[0722] A "Goal" is a specific financial goal set by a user.

[0723] A "budget" is an allocation of funds that is systematically allocated to achieve a goal.

[0724] "Simulating future fund allocations" is a process of predicting future fund movements based on current budget allocations.

[0725] "Advice" is a specific course of action suggested to you based on your financial situation and goals.

[0726] "Encryption" is a technique for transforming information to maintain data security.

[0727] An "intuitive interface" is a visually designed interface that is easy for users to understand and operate.

[0728] The system of the present invention is a planning AI household accounting system that allows users to efficiently allocate funds based on their hobbies and interests. Specific embodiments of the present invention are described below.

[0729] System configuration

[0730] This system consists of a user-owned device, a server, and a data storage device. The device can be a smartphone, tablet, PC, etc., and the server can be a cloud server or a local server. The data storage device can be a database or other storage medium.

[0731] User profiling function

[0732] The user uses the device to access the application's profile entry screen and enter their hobbies and interests. For example, "travel" is entered as a hobby. This information is sent from the device to the server in encrypted form. The server uses this information to create a new user profile or update an existing profile. This profile information is then stored in a data storage device.

[0733] Expense Tracking

[0734] Users enter their daily spending information into the application. For example, they might enter "I bought a coffee at a cafe." This information is encrypted and sent from the device to the server. The server analyzes the received spending information and automatically classifies it into categories such as "food and drink." The classified spending information is updated in a data storage device, allowing users' spending patterns to be understood in real time.

[0735] Financial analysis function

[0736] The server retrieves the user's income and expenditure information from the data storage device and analyzes their income and expenditure patterns. It calculates surplus funds by identifying unnecessary expenditures. For example, if your monthly income is $3,000 and your monthly expenditure is $2,500, your surplus funds will be calculated as $500. This information is updated in the data storage device, allowing the user to always have an up-to-date view of their financial situation.

[0737] Budget allocation function

[0738] The user sets a specific goal using the terminal. For example, "I want to save $1,000 next year and go on a trip." This goal information is sent from the terminal to the server. The server retrieves surplus funds information from the data storage device and calculates the monthly savings amount based on the goal. For example, if $1,000 is saved in one year, the monthly savings amount will be approximately $83.33. This savings plan is saved in the data storage device.

[0739] Simulation Function

[0740] The server retrieves current budget allocation information from the data storage device and simulates future fund allocation. For example, it predicts whether the savings amount will reach the target of $1,000 in one year and generates the simulation results. The generated results are sent to the terminal and the user can check them in the application.

[0741] Interactive advice feature

[0742] The server retrieves the financial analysis results from the data storage device and generates specific advice based on the user's goals and financial situation. For example, it generates advice such as, "By reducing your dining expenses by $50 per month, you can save money for travel more quickly." This advice is sent to the device and can be viewed by the user through the application.

[0743] User Interface

[0744] The device retrieves the user's financial data from the data storage device and displays it to the user through an intuitive interface, such as showing the travel fund status, budget allocation, and expenditures in graphs and charts, allowing the user to easily understand their progress.

[0745] Data Security and Privacy

[0746] All data transmitted between the server and the device is encrypted. The encrypted data is securely stored on the data storage device, minimizing the risk of user data being leaked to third parties. Data access is also controlled, and security logs are monitored to prevent unauthorized access.

[0747] Examples of specific examples and prompts

[0748] As a concrete example, the following scenario can be considered.

[0749] 1. A user enters "travel" as a hobby.

[0750] 2. Enter "Purchased coffee at a cafe" as today's expenditure information.

[0751] 3. Enter your monthly income and expenses to calculate your surplus funds.

[0752] 4. Set a goal of $1,000 for travel the following year.

[0753] 5. Simulate whether you will reach your target amount in one year.

[0754] 6. Get advice on what expenses to cut based on your financial situation.

[0755] Example prompt sentence:

[0756] "If a user enters travel as a hobby, explain how a new profile is generated and saved."

[0757] "How does the server process the transaction information for buying coffee at a cafe?"

[0758] "Explain how the server analyzes your income and expenses to calculate your surplus funds."

[0759] If a user sets a savings goal for travel, how should the server calculate the monthly savings amount?

[0760] "Please tell us how you will generate simulation results of future fund allocations and provide them to users."

[0761] "Explain how you can provide specific advice based on a user's financial situation."

[0762] As described above, the embodiments of the present invention enable users to manage their funds efficiently and systematically, and realize optimal financial planning aimed at their own hobbies and goals.

[0763] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0764] Step 1:

[0765] The user accesses the profile input screen of the application and inputs their hobbies and interests. For example, they input "travel." This input hobby information becomes the input for processing. The device encrypts this information and sends it to the server. The server receives the encrypted information and analyzes the hobby information. The server analyzes the hobby information and creates or updates a user profile. This profile information is then saved in the data storage device.

[0766] Step 2:

[0767] The user accesses the application's expenditure input screen and enters daily expenditure information. For example, the user enters "purchased coffee at a cafe." This entered expenditure information becomes the input for processing. The device encrypts this information and sends it to the server. The server receives the encrypted information and analyzes the expenditure details. Based on the expenditure information, the server automatically classifies it into an appropriate category, such as the "food and drink" category. The classified expenditure information is updated in the data storage device, and the user's expenditure pattern is updated in real time.

[0768] Step 3:

[0769] The server acquires the user's income and expenditure information from the data storage device. This acquired income and expenditure information becomes the input for processing. The server analyzes income and expenditure patterns based on this information. The server calculates the surplus funds by subtracting expenses from income. For example, if monthly income is $3,000 and monthly expenses are $2,500, the surplus funds are calculated as $500. This calculation result becomes the output and is updated in the data storage device.

[0770] Step 4:

[0771] The user sets a specific goal through the application. For example, they might enter, "Save $1,000 next year and go on a trip." This entered goal information becomes the input for processing. The device encrypts this information and sends it to the server. The server retrieves surplus funds information from the data storage device and calculates the monthly savings amount based on the goal. For example, if $1,000 is saved in one year, the monthly savings amount will be approximately $83.33. The calculation result becomes the output and is saved in the data storage device as a savings plan.

[0772] Step 5:

[0773] The server retrieves current budget allocation information from the data storage device. This retrieved budget allocation information becomes the input for processing. The server simulates future fund allocation and predicts whether the set target amount will be reached. For example, it simulates whether the savings amount will reach the target of $1,000 in one year. The results of this simulation become the output and are sent to the terminal. The user can check the results in the application.

[0774] Step 6:

[0775] The server retrieves the latest financial analysis results from the data storage device. These retrieved financial analysis results serve as the input for processing. The server compares the user's goals with their current financial situation and generates specific advice. For example, the server generates advice such as "By reducing your food and beverage expenses by $50 per month, you will be able to save money for travel more quickly." This advice is output and sent to the terminal. The user can then view the advice in the application.

[0776] Step 7:

[0777] The device retrieves the user's latest financial data from the data storage device. This retrieved financial data serves as input for processing. The device generates graphs and charts based on the retrieved data, for example, showing the status of travel savings or a breakdown of expenses by category. The generated graphs and charts serve as output, which the user can view in the application.

[0778] Step 8:

[0779] All data sent between the device and the server is encrypted. The encrypted data is the input for processing. The server receives the encrypted data and stores it securely in a data storage device. This encrypted data is the output, ensuring security. Data access is also controlled, and security logs are monitored to prevent unauthorized access.

[0780] (Application example 1)

[0781] 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."

[0782] Conventional household accounting systems have the problem that it is difficult to manage a budget efficiently based on a user's hobbies and interests, and they lack functionality that links with daily spending tracking, such as food delivery apps, making it difficult to effectively manage finances based on the lifestyle that users desire.

[0783] 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.

[0784] In this invention, the server includes means for a user to input hobbies and interests, means for transmitting the information to the server, means for retrieving user data from a database, means for analyzing the retrieved user data and updating the prioritized information in the database, means for receiving and automatically categorizing user transaction information and updating the information in the database, means for retrieving user income information and expenditure information from the database, means for calculating surplus funds based on the retrieved income information and expenditure information, means for updating the calculated surplus funds in the database, means for calculating a budget based on the user's goals, means for updating the calculated budget in the database, means for simulating future budget allocations, means for generating simulation results, means for transmitting the generated results to the server, means for generating advice based on the user's goals and financial situation, means for transmitting advice information to the user, means for encrypting data, means for storing the encrypted data in the database, means for generating savings advice based on the user's spending patterns, means for notifying the user of the savings advice, and means for automatically tracking and categorizing expenditures through a food delivery app, thereby enabling a user to efficiently manage their budget and receive appropriate savings advice while using a food delivery app.

[0785] (Word definition)

[0786] "User" refers to an individual who uses the System and enters information about their hobbies, interests, income, and expenses.

[0787] "Hobbies and Interests" refers to activities, areas, or subjects that interest you personally.

[0788] "Server" refers to a computer system that can store data sent by users and perform analytical processing.

[0789] A "database" refers to an information storage system that systematically accumulates information such as users' hobbies, interests, income, and expenses.

[0790] "Transaction Information" refers to specific information relating to purchasing activities and expenditures made by a User.

[0791] "Category" refers to a classification item for classifying transaction information and expenditure information.

[0792] "Revenue Information" refers to specific data regarding the revenue earned by a user.

[0793] "Expense Information" refers to specific data regarding expenses paid by a User.

[0794] "Excess Funds" refers to the funds available after deducting expenses from a User's income.

[0795] "Goal" refers to a specific monetary plan that a user wishes to achieve.

[0796] "Budget" refers to the specific allocation of funds that a user plans to achieve a goal.

[0797] "Simulation" refers to a hypothetical calculation performed to predict future financial conditions.

[0798] "Advice" refers to specific advice provided based on a user's financial situation and goals.

[0799] A "food delivery app" refers to a dedicated application that allows users to order meals and request delivery.

[0800] "Savings Advice" refers to specific instructions or suggestions provided to users to help them reduce their everyday spending.

[0801] "Spending patterns" refers to a user's spending habits and tendencies.

[0802] "Encryption" refers to a security technology that converts data so that it cannot be deciphered by third parties.

[0803] patent specification

[0804] The system for implementing the present invention uses the following hardware and software.

[0805] Hardware and software used

[0806] Hardware: Servers (e.g., cloud servers or on-premise servers), user devices (smartphones, tablets, PCs, etc.)

[0807] Software: Python, Flask, SQLite, food delivery app

[0808] User profiling function

[0809] 1. Users use devices such as smartphones or tablets to enter their hobbies and interests, such as "travel" or "reading."

[0810] 2. This information is sent via the device to the server.

[0811] 3. The server receives the submitted data and creates a new user profile in the database, which sets the entered hobby information as a high priority and updates the database.

[0812] Expense Tracking

[0813] 1. A user makes a purchase using a food delivery app, for example, a transaction such as "ordering a pizza."

[0814] 2. Transaction information is automatically sent from the food delivery app to the server.

[0815] 3. The server analyzes the received transaction information and classifies it into the appropriate category (e.g., "food and drink"). This classification information is updated in the database.

[0816] Financial analysis function

[0817] 1. The server retrieves the user's income and expenditure information from the database.

[0818] 2. Based on the acquired income and expenditure data, the server calculates the surplus funds. For example, if the monthly income is $3000 and the monthly expenditure is $2500, the surplus funds is $500.

[0819] 3. The calculated surplus funds information is updated in the database, allowing users to always have the most up-to-date information on their financial situation.

[0820] Budget allocation function

[0821] 1. Users set a specific goal, such as "I want to save $1,000 and go on a trip next summer."

[0822] 2. This target information is sent from the device to the server.

[0823] 3. The server retrieves the surplus funds information from the database and calculates the monthly savings amount based on the goal. For example, you can plan to save $200 per month for travel, and update the information in the database.

[0824] Interactive advice feature

[0825] 1. The server retrieves the financial analysis results from the database.

[0826] 2. Based on the information obtained, the system generates advice based on the user's goals and financial situation. For example, it might generate specific advice such as, "By cutting your food and beverage expenses by $50 per month, you can save money for travel more quickly."

[0827] 3. This advice is sent from the server to the device, where the user can view it in the application.

[0828] User Interface

[0829] 1. The server retrieves the user's financial data from the database and displays it on the terminal through an intuitive interface.

[0830] 2. For example, graphs and charts can be used to display travel fund savings, budget allocation, and spending, allowing users to easily understand progress.

[0831] Data Security and Privacy

[0832] 1. The server encrypts all data transmitted and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties.

[0833] Examples and prompts

[0834] Specific examples

[0835] When User A uses a food delivery app, he or she sets a monthly food and beverage budget and receives suggestions and advice on how to use food delivery services within that budget.

[0836] User A enters his / her monthly income and hobby (e.g., "travel") into the app.

[0837] Spending information is automatically categorized for each food delivery use, and budget management is performed in real time.

[0838] At the end of the month, you'll see advice like, "By cutting your food and drink expenses by $30 a month, you'll save up travel funds several months faster."

[0839] Prompt Sentence Examples

[0840] “Generate specific advice on reducing food and beverage costs based on the user’s spending patterns.

[0841] Input: User ID: 12345, Income: 3000, Expenses: Entertainment (500), Shopping (200), Transportation (100), Goal: Travel fund $1000

[0842] Output: By cutting $50 off my dining expenses this month, I can plan ahead and save up for travel a few months sooner. I can also choose my favorite restaurants within my monthly budget.

[0843] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0844] Program processing steps

[0845] Step 1:

[0846] The user enters their hobbies and interests using a device (such as a smartphone or tablet). The entered information (e.g., "travel") is sent to the server via the device. At this time, the input data of hobbies and interests is sent to the server in JSON format. The server stores the received data in a database and creates an appropriate profile.

[0847] Input: User's hobbies and interests

[0848] Data processing: Convert to JSON format

[0849] Output: User profile stored in database

[0850] Step 2:

[0851] A user places an order using a food delivery app. The food delivery app automatically records the transaction information (e.g., "Pizza Order") and sends it to a server in real time. The server receives the transaction information, categorizes it into categories (e.g., "Food and Drink"), and stores it in a database.

[0852] Input: Transaction information from food delivery app

[0853] Data Calculation: Category Classification

[0854] Output: Transaction information stored in the database

[0855] Step 3:

[0856] The server periodically obtains the user's income and expenditure information. Based on the income and expenditure data, the server calculates the monthly surplus funds (e.g., monthly income $3,000, expenditure $2,500, surplus funds $500). The calculated surplus funds information is updated in the database.

[0857] Input: Income and expenditure information

[0858] Data calculation: Calculating surplus funds

[0859] Output: Updated surplus funds information in the database

[0860] Step 4:

[0861] The user sets a specific goal using the device. The goal information (e.g., "I want to save $1,000 and go on a trip next summer") is sent to the server. The server calculates the monthly savings amount (e.g., $200 per month) based on the surplus funds information and updates the information in the database.

[0862] Input: User goal information

[0863] Data calculation: Calculate monthly savings amount

[0864] Output: Updated fund information in the database

[0865] Step 5:

[0866] The server retrieves current budget allocation information from the database and simulates future fund allocation. It generates the simulation results (e.g., whether the target of $1,000 will be reached in one year) and sends them to the terminal. The user can check the simulation results on the terminal.

[0867] Input: Budget Allocation Information

[0868] Data calculation: Simulation of future fund allocation

[0869] Output: Generated simulation results

[0870] Step 6:

[0871] The server uses the user's financial data to generate savings advice based on the user's goals and financial situation. For example, it creates specific advice such as "reducing your dining expenses by $50 per month will help you save money for travel more quickly" and sends it to the device. The user can then review this advice and adjust their spending.

[0872] Input: Financial analysis data

[0873] Data Operations: Advice Generation

[0874] Output: Advice information sent to terminal

[0875] Step 7:

[0876] The server encrypts all transmitted data and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties.

[0877] Input: Send data

[0878] Data processing: Data encryption

[0879] Output: Encrypted data stored in the database

[0880] 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.

[0881] The system of the present invention is a planning AI household account book that allows users to efficiently allocate funds to their hobbies and interests, and is also combined with an emotion engine. Specific embodiments for implementing the system of the present invention are described below.

[0882] User profiling function

[0883] The user enters their hobbies and interests into the application. For example, the user enters "travel" as a hobby. This input information is sent to the server via the device, and if the user data does not exist in the database, the server creates a new user profile. The user's input data is also analyzed by an emotion engine to determine the user's emotional state. Based on the determined emotion, the user's hobbies and interests are further prioritized. Once this process is complete, the information is updated in the database.

[0884] Expense Tracking

[0885] Users enter their daily spending information into the application. For example, they enter a transaction such as "buying coffee at a cafe." This information is sent from the device to the server, which automatically classifies it as a "food and drink" category. The user's emotional state, which accompanies the transaction information, is also analyzed and updated in the database along with the spending information. During this process, if a particular emotion influences spending patterns, this is also retained as data.

[0886] Financial analysis function

[0887] The server retrieves the user's income and expenditure information from the database and analyzes income and expenditure patterns. The emotion engine references the emotional data associated with each transaction to identify unnecessary spending or emotionally driven impulsive spending. For example, it identifies increased spending on food and beverages during periods of high stress. Surplus funds are calculated and updated to the database.

[0888] Budget allocation function

[0889] The user sets a specific goal (e.g., saving $1,000 for a trip). This goal information is sent from the device to the server. The server retrieves surplus funds information from the database and calculates the monthly savings amount based on the goal. The emotion engine takes into account the user's emotional state and allocates the budget to realistically and smoothly achieve the goal. For example, during periods of emotional instability, it also considers budgets that will help reduce stress. This information is updated in the database.

[0890] Simulation Function

[0891] The server retrieves current budget allocation information from the database and simulates future fund allocations. An emotion engine is also incorporated into the simulation, taking into account the impact of the user's emotional state on future fund allocations. For example, different fund allocation scenarios are generated depending on the user's emotional state. The simulation results are generated by the server and sent to the device. The user can view the simulation results in the application.

[0892] Interactive advice feature

[0893] The server retrieves the financial analysis results from the database and generates advice based on the user's goals and financial situation. The emotion engine takes into account the user's emotional state and provides appropriate advice. For example, specific advice such as "reducing your food and beverage expenses by $50 per month will help you save money for travel more quickly" is generated, and the server checks whether the user's emotional state is stress-free. This advice information is sent to the user and displayed on their device.

[0894] User Interface

[0895] The device retrieves the user's financial data from the database and displays it to the user through an intuitive and emotional interface, such as graphs and charts showing the travel fund status, budget allocation, and spending, allowing the user to easily understand their progress.

[0896] Data Security and Privacy

[0897] The server encrypts all data sent and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties and protecting privacy.

[0898] By integrating these functions, the system of the present invention enables users to efficiently manage their funds and make planned investments aimed at their hobbies and goals. In addition, by incorporating an emotion engine, the system provides more personalized advice and plans that take into account the user's emotional state, helping users achieve their goals without stress.

[0899] The processing flow will be explained below.

[0900] User profiling function

[0901] Step 1:

[0902] The user enters their hobbies and interests (e.g., travel) into the application.

[0903] Step 2:

[0904] The terminal receives this input information and sends it to the server.

[0905] Step 3:

[0906] The server retrieves the user data from the database.

[0907] Step 4:

[0908] If the server does not have a user profile in the database, it will initialize new user data.

[0909] Step 5:

[0910] The server collects and prioritizes information about the user's hobbies and interests.

[0911] Step 6:

[0912] The server uses an emotion engine to analyze the user's emotions based on the collected information.

[0913] Step 7:

[0914] The server adjusts the priorities of hobbies and interests based on the analysis results.

[0915] Step 8:

[0916] The server updates the user profile with adjusted priorities to the database.

[0917] Expense Tracking

[0918] Step 1:

[0919] Users enter their daily transactions and expenditures (e.g. buying coffee at a cafe).

[0920] Step 2:

[0921] The terminal receives this information and transmits it to the server.

[0922] Step 3:

[0923] The server automatically categorizes the user's transaction information.

[0924] Step 4:

[0925] The server analyzes the emotion data attached to the transaction information using an emotion engine.

[0926] Step 5:

[0927] The server updates both the transaction information and the emotion data to the database.

[0928] Financial analysis function

[0929] Step 1:

[0930] The server retrieves the user's income information from a database.

[0931] Step 2:

[0932] The server retrieves the user's spending information from a database.

[0933] Step 3:

[0934] The server analyzes your income and spending patterns.

[0935] Step 4:

[0936] The server uses an emotion engine to look at the emotion data associated with each transaction and identify unnecessary spending and emotionally driven impulsive spending.

[0937] Step 5:

[0938] The server calculates the surplus funds (income minus expenses).

[0939] Step 6:

[0940] The server updates this information in a database.

[0941] Budget allocation function

[0942] Step 1:

[0943] The user sets a specific goal (e.g., save $1,000 for a trip).

[0944] Step 2:

[0945] The terminal receives this target information and transmits it to the server.

[0946] Step 3:

[0947] The server retrieves the surplus fund information from the database.

[0948] Step 4:

[0949] The server calculates the optimal budget based on the user's goals.

[0950] Step 5:

[0951] The server utilizes an emotion engine to adjust budget allocation based on the user's emotional state.

[0952] Step 6:

[0953] The server updates the calculated budget allocation to the database.

[0954] Simulation Function

[0955] Step 1:

[0956] The server retrieves the current budget allocation information from the database.

[0957] Step 2:

[0958] The server simulates future funding scenarios.

[0959] Step 3:

[0960] The server uses an emotion engine to generate different fund allocation scenarios based on emotional states.

[0961] Step 4:

[0962] The server generates the simulation results.

[0963] Step 5:

[0964] The server transmits the simulation results to the terminal.

[0965] Interactive advice feature

[0966] Step 1:

[0967] The server retrieves the financial analysis results from the database.

[0968] Step 2:

[0969] The server generates advice based on the user's goals and financial situation.

[0970] Step 3:

[0971] The server uses an emotion engine to tailor the advice content based on the user's emotional state.

[0972] Step 4:

[0973] The server sends advice information to the user.

[0974] User Interface

[0975] Step 1:

[0976] The device retrieves the user's financial data from a database.

[0977] Step 2:

[0978] The device displays data in an intuitive and emotionally sensitive user interface.

[0979] Data Security and Privacy

[0980] Step 1:

[0981] The server encrypts the transmitted data.

[0982] Step 2:

[0983] The server stores the encrypted data in a database.

[0984] Example 2

[0985] 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."

[0986] In modern household management and financial planning, users often find it difficult to allocate funds efficiently based on their hobbies and interests, and are unable to consider the impact of their emotional state on spending and budget allocation, resulting in incomplete planning and ineffective financial management.

[0987] The identification process by the identification processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means. In this invention, the server includes a means for a user to input hobbies and interests, a means for transmitting the information to the server, a means for acquiring user data from a database, a means for using an emotion engine to analyze the acquired user data, a means for prioritizing the analyzed information, a means for updating the prioritized information in the database, a means for receiving and automatically categorizing user transaction information, a means for using an emotion engine to analyze an emotion state related to the transaction information, a means for updating the information in the database, a means for acquiring user income information and expenditure information from the database, a means for calculating surplus funds based on the acquired income information and expenditure information, and a means for updating the calculated surplus funds in the database. The system includes a means for updating the database, a means for calculating a budget based on a user's goals, a means for using an emotion engine to calculate a budget taking into account the user's emotional state, a means for updating the calculated budget to the database, a means for simulating future fund allocations, a means for simulating future fund allocations using the emotion engine, a means for generating simulation results, a means for transmitting the generated results to a terminal, a means for generating advice based on the user's goals and financial situation, a means for using the emotion engine to take into account the user's emotional state when generating advice, a means for transmitting advice information to the user, a means for encrypting data, and a means for storing the encrypted data in a database. This enables efficient fund allocation according to the user's hobbies and interests, and realizes planned fund management taking into account the user's emotional state.

[0988] A "User" is an individual or their representative who uses the System and enters information such as hobbies, interests, and spending information.

[0989] A "terminal" is an electronic device used by a user to input information and communicate with a server. Examples include smartphones, tablets, and personal computers.

[0990] "Server" means a centralized computer system that receives, stores, and processes information submitted by users.

[0991] A "database" is a collection of data that is acquired and managed by a server, and includes various types of information such as user data, income information, and expenditure information.

[0992] The "emotion engine" is an algorithm that analyzes user input and transaction information, determines their emotional state, and performs analysis based on that.

[0993] "Hobbies and interests" are activities and concerns that users engage in based on their own enjoyment and interest, and are the subject of planning.

[0994] "Transaction information" refers to records of expenditures made by a user in their daily lives, including, for example, purchase history and payment information.

[0995] "Expense information" is data regarding the amount and content of expenditures made by a user.

[0996] "Income Information" means data regarding the income earned by a User and its breakdown.

[0997] "Surplus funds" is the amount of money remaining unused by the user, calculated based on income and expenditure information.

[0998] A "budget" is a financial allocation that a user plans to achieve a specific goal.

[0999] "Simulation" is the process of virtually calculating future funding allocations and budget situations.

[1000] "Advice" is the process of suggesting optimal actions or ways to reduce spending based on the user's goals, financial situation, and emotional state.

[1001] "Encryption" is the process of converting data into a form that cannot be deciphered by third parties, a process that protects privacy and security.

[1002] The system of the present invention is a planning AI household account book that allows users to efficiently allocate funds to their hobbies and interests, and is combined with an emotion engine. Specific embodiments for carrying out the invention are described below.

[1003] Hardware and Software Configuration

[1004] User device:

[1005] The user terminal is an electronic device such as a smartphone, tablet, or PC that runs the application, allowing the user to input information such as hobbies, interests, and spending information and communicate with the server.

[1006] server:

[1007] The server acts as a central location for receiving, storing, and processing information sent by users. The server contains a database management system (DBMS) and an emotion engine.

[1008] Database:

[1009] The database is used to store and manage user profile information, income information, expenditure information, emotional information, etc.

[1010] Emotion Engine:

[1011] The emotion engine is an algorithm that analyzes user input and transaction information to determine the user's emotional state. This engine is implemented on the server and is used for data analysis.

[1012] User Interface

[1013] Users enter information such as hobbies, interests, and spending through the device's application. This information is then sent to the server. The application provides an intuitive interface and is designed to be easy for users to use. For example, when entering hobbies and interests, users can select categories and enter keywords.

[1014] Data transmission and processing

[1015] The data entered by the user is sent from the device to the server. The server receives the data and stores it in a database. When creating or updating a profile based on the user's new hobbies and interests, the data is analyzed using an emotion engine to determine the user's emotional state. Based on the determined emotional state, the priorities of the user's hobbies and interests are adjusted and updated in the database.

[1016] Financial Management and Forecasting

[1017] The server retrieves the user's income and expenditure information from the database and analyzes their patterns using an emotion engine. This identifies unnecessary expenditures and emotionally driven impulsive expenditures and calculates surplus funds. The server also calculates a budget based on the user's set goal (e.g., "save $1,000 for a trip") and allocates a realistic budget taking into account the user's emotional state.

[1018] Simulation and Advice

[1019] The server uses an emotion engine to simulate future financial allocations and generate scenarios based on the user's emotional state. This allows the user to see the results of the simulation. It also generates and sends specific advice to the user based on the user's goals and financial situation. For example, the advice might be, "If you cut your dining expenses by $50 a month, you'll save money for travel even faster."

[1020] Security and Privacy Protection

[1021] The server encrypts all data sent and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties and protecting privacy.

[1022] Specific examples

[1023] For example, User A registers "travel" as a hobby in the app and records his daily expenses. The emotion engine analyzes income and expenditure information and identifies that food and beverage expenses increase during times of stress. User A sets a goal of "saving $1,000 for travel," and the server suggests saving $100 per month. It then conducts a simulation that takes into account User A's emotional state and provides specific advice such as "If you cut your food and beverage expenses by $50 per month, you will be able to save money for travel more quickly."

[1024] Prompt Sentence Examples

[1025] Below are some examples of how to use this system and some prompts for the generative AI model.

[1026] "We want users to simulate how much they can save by setting a travel expense goal, and receive advice tailored to their emotional state."

[1027] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1028] Step 1:

[1029] The user uses the device to input their hobbies and interests into the application. Specifically, the user inputs a hobby such as "travel" and presses the send button. Input: Data related to hobbies and interests. Output: Data sent to the server.

[1030] Step 2:

[1031] The device sends the hobby and interest data entered to the server. Specifically, the hobby data entered is sent to the server via an HTTP request. Input: Hobby and interest data. Output: Data sent to the server.

[1032] Step 3:

[1033] The server stores the received data in a database. The server first checks the database to see if the user data already exists. If not, it creates a new profile. Input: Hobbies and interests data sent to the server. Output: User profile stored in the database.

[1034] Step 4:

[1035] The data received by the server is analyzed by the emotion engine to determine the user's emotional state. For example, it may be determined that the user has a strong positive emotion toward the hobby of "travel." Input: Data related to hobbies and interests. Output: Determined emotional state.

[1036] Step 5:

[1037] Based on the analysis results of the emotion engine, the server adjusts the priority of hobbies and interests and updates the database. For example, "travel" is set as the user's top priority hobby. Input: Determined emotional state. Output: Updated database.

[1038] Step 6:

[1039] The user inputs daily expenditure information into the terminal. For example, they input specific expenditure information such as "purchasing coffee at a cafe" and press the send button. Input: Expenditure information. Output: Data sent to the server.

[1040] Step 7:

[1041] The terminal sends the entered expenditure information to the server. Specifically, the expenditure data is sent to the server via an HTTP request. Input: Expenditure information. Output: Data sent to the server.

[1042] Step 8:

[1043] The server automatically categorizes the received expenditure information. For example, "buying coffee at a cafe" is classified as "food and drink." Input: Received expenditure information. Output: Categorized expenditure information.

[1044] Step 9:

[1045] The server analyzes the emotional state associated with the transaction information received by the emotion engine and updates the database. For example, it determines that spending in the food and beverage category increases during periods of increased stress. Input: Transaction information and analysis by the emotion engine. Output: Updated database.

[1046] Step 10:

[1047] The server retrieves the user's income and expenditure information from the database. Specific processing involves executing SQL queries to extract the required data. Input: SQL query to the database. Output: Retrieved income and expenditure data.

[1048] Step 11:

[1049] The server calculates the surplus funds based on the income and expenditure information. For example, if the income is $2000 per month and the expenditure is $1500 per month, the surplus funds will be $500. Input: Obtained income and expenditure data. Output: Calculated surplus funds.

[1050] Step 12:

[1051] The calculated surplus cash information is updated in the database. The server adds a new record to the database and stores the surplus cash. Input: Calculated surplus cash. Output: Updated database.

[1052] Step 13:

[1053] The user sets a specific goal using the terminal. For example, they input a goal such as "save $1,000 for a trip" and press the send button. Input: Goal setting data. Output: Data sent to the server.

[1054] Step 14:

[1055] The device sends the goal setting data to the server. Specifically, the goal data is sent to the server via an HTTP request. Input: goal setting data. Output: data sent to the server.

[1056] Step 15:

[1057] The server retrieves surplus fund data from the database and calculates the amount to save based on the goal. For example, if the monthly surplus fund is $500 and the goal amount is $1,000, it calculates that two months of saving is required to reach the goal. Input: Goal setting data and surplus fund data. Output: Calculated amount to save.

[1058] Step 16:

[1059] The server allocates a realistic budget taking into account the user's emotional state. For example, it allocates a moderate budget to relaxation activities to reduce stress. Input: Calculated reserve amount and emotional state. Output: Adjusted budget allocation.

[1060] Step 17:

[1061] The calculated budget information is updated in the database. The server adds a new record to the database and saves the budget information. Input: Adjusted budget allocation. Output: Updated database.

[1062] Step 18:

[1063] The server simulates future fund allocations. It uses an emotion engine to generate multiple scenarios and provides the user with the optimal simulation results. Input: Latest budget allocation information and emotion information. Output: Simulation results.

[1064] Step 19:

[1065] The generated simulation results are sent to the terminal. The user checks the results in the application. Input: Simulation results. Output: Data sent to the terminal.

[1066] Step 20:

[1067] The server generates advice based on the user's goals and financial situation. It uses an emotion engine to suggest specific actions and ways to improve. Input: User's goals and financial data. Output: Generated advice.

[1068] Step 21:

[1069] Advice information is sent to the user. For example, a suggestion such as "By cutting your food and drink expenses by $50 per month, you can save money for travel even faster" is provided. Input: Generated advice. Output: Data sent to the terminal.

[1070] Step 22:

[1071] The server encrypts all data sent and stores it securely in a database, ensuring data privacy and security. Input: All data sent by the user. Output: A database containing encrypted data.

[1072] (Application example 2)

[1073] 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."

[1074] Conventional household accounting applications rarely provided specific financial management support based on users' hobbies and interests. Furthermore, there were no systems that provided budget allocation or purchasing advice that took into account the user's emotional state. This made it difficult for users to plan their finances and curb unexpected spending or unnecessary purchases. Furthermore, the lack of an intuitive and emotionally sensitive user interface made it difficult for users to use the system without stress. To solve these issues, a new system was needed.

[1075] 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.

[1076] In this invention, the server includes means for a user to input hobbies and interests, means for transmitting the information to the server, means for retrieving user data from a database, means for analyzing the retrieved user data and updating the database with prioritized information, means for receiving and automatically categorizing user transaction information and means for updating the information to the database, means for retrieving user income information and expense information from the database, means for calculating surplus funds based on the retrieved income information and expense information, means for updating the database with the calculated surplus funds, means for calculating a budget based on the user's goals, means for updating the database with the calculated budget, means for simulating future fund allocation, means for generating simulation results, means for transmitting the generated results to the server, means for generating advice based on the user's goals and financial situation, means for generating advice suitable for the user based on the emotional state, means for improving future fund allocation based on the simulation results, means for transmitting advice information to the user, means for encrypting data, means for storing the encrypted data in the database, and means for configuring an intuitive and emotion-sensitive user interface. This allows users to efficiently manage their finances based on their hobbies and interests, receive more personalized advice and plans that take into account their emotional state, and achieve their goals stress-free.

[1077] "Hobbies and interests" are specific interests or preferences in activities or subjects that an individual has.

[1078] A "server" is a part of a computer system that processes and manages data over a network.

[1079] "Priority" is a standard for determining the order in which multiple matters are processed or addressed based on their importance or urgency.

[1080] A "database" is a system for efficiently storing, managing, retrieving, and editing large amounts of data.

[1081] "Transaction Information" refers to detailed data about a user's purchases and spending.

[1082] "Categorization" refers to the process of separating transaction information into different groups based on specific classification criteria.

[1083] "Income Information" means data about a User's source of income and amount of income.

[1084] "Expense information" refers to data relating to expenditures such as purchases and service usage by users.

[1085] "Surplus funds" are the disposable funds remaining after subtracting income from expenses.

[1086] A "budget" is a financial plan allocated for a specific purpose or period of time.

[1087] "Simulation" is the process of modeling a real-world situation and using that model to predict future trends and outcomes.

[1088] An "emotional state" refers to an individual's psychological feelings or mood at a particular point in time.

[1089] "Advice" means advice or suggestions to help a user make sound financial or spending decisions.

[1090] "Encryption" is a security technology that converts data based on a specific algorithm to prevent third parties from deciphering it.

[1091] "User interface" refers to the means or screen display through which a user interacts with a system.

[1092] "Personalization" means providing information and services that are optimized to meet the needs and preferences of a particular user.

[1093] "Intuitive" means that the product is designed to be intuitive and easy for users to understand, without requiring complex operations.

[1094] "Stress" is a state of mind and body that causes strain and tension.

[1095] The system for realizing this invention provides a set of features that allow users to manage their finances effectively based on their unique hobbies and interests, and receive personalized advice that takes into account their emotional state.

[1096] Feature Overview

[1097] User profiling function

[1098] The user enters their hobbies and interests into the application. This information is sent via the device to the server, which stores it in a database. The user's input data is analyzed by the emotion engine to determine their emotional state. Based on this, the application adjusts the priorities of the user's hobbies and interests. This information is then updated in the database.

[1099] Expense Tracking

[1100] Users enter their daily spending information, which is then sent from their device to a server that automatically categorizes and updates the database. If certain emotions influence spending patterns, that data is also retained.

[1101] Financial analysis function

[1102] The server retrieves the user's income and expenditure information from the database and calculates the user's surplus funds based on that information. The emotion engine references the emotional data associated with each transaction to identify unnecessary expenditures and impulsive expenditures based on emotions. The results are then updated in the database.

[1103] Budget allocation function

[1104] When a user sets a specific goal, the goal information is sent from the device to the server. The server calculates the monthly savings amount based on the surplus funds information and allocates the budget taking into account the user's emotional state. This information is updated in the database.

[1105] Simulation Function

[1106] The server retrieves current budget allocation information from the database and simulates future fund allocations. It uses an emotion engine to generate different scenarios and present them to the user. The simulation results are sent to the terminal and can be viewed by the user.

[1107] Interactive advice feature

[1108] The server generates advice based on the financial analysis results, taking into account the user's goals and financial situation. It also uses an emotion engine to provide advice tailored to the user. This advice information is sent to the terminal and displayed to the user.

[1109] User Interface

[1110] The device displays financial data retrieved from the database in an intuitive and emotionally relevant way, for example, showing travel savings and expenditures in graphs and charts, allowing users to easily understand their progress.

[1111] Data Security and Privacy

[1112] The server encrypts all data and stores it securely in a database, ensuring user privacy.

[1113] Specific examples

[1114] For example, if a user enters "travel" as a hobby, the emotion engine will determine that the user is in a "high emotional state." Based on this information, the application will recommend travel-related products and services and calculate the user's budget allocation for purchasing them. Additionally, when a user enters their daily spending information, the application will categorize the information and calculate the surplus funds by comparing it with their income information.

[1115] Prompt Sentence Examples

[1116] If you ask a user, "What are your hobbies?" and the user answers, "Traveling":

[1117] Save the user's hobby as "travel" and analyze their emotions with an emotion engine. Then, recommend travel-related products and services and calculate and display budget allocations.

[1118] This allows users to efficiently manage their finances based on their hobbies and interests, receive more personalized advice and plans that take into account their emotional state, and achieve their goals stress-free.

[1119] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1120] Program processing flow

[1121] The processing flow of the program of the system that realizes the application example will be explained below step by step.

[1122] Step 1:

[1123] The user enters their hobbies and interests into the application

[1124] Input: The user uses their smartphone to enter their hobbies or interests (e.g., travel) into an input field in the application.

[1125] Output: The input data is sent from the device to the server.

[1126] Specific behavior: The application performs format checks on input data before sending it to the server, and rejects data with malformed formats.

[1127] Step 2:

[1128] The server stores the received information in a database and analyzes it using an emotion engine.

[1129] Input: User hobbies and interests data sent from the device.

[1130] Output: Emotional state results based on the saved user profile and input data.

[1131] Specific operation: The server stores the received data in a database and performs sentiment analysis using an emotion engine (e.g., TextBlob, NLTK).

[1132] Step 3:

[1133] The server adjusts the priorities of the user's hobbies and interests based on their emotional state.

[1134] Input: Emotion data parsed by the emotion engine.

[1135] Output: Adjusted priority information.

[1136] What it does: Based on the emotional data, the algorithm recalculates the priorities of hobbies and interests and updates the database.

[1137] Step 4:

[1138] Users enter their daily spending information

[1139] Input: A user uses their smartphone to enter spending information (e.g., buying a coffee at a cafe) into an application.

[1140] Output: The spending information is sent to the server.

[1141] What it does: When spending information is entered, the application pre-processes the data to automatically categorize it into categories.

[1142] Step 5:

[1143] The server categorizes the expenditure information and updates it in the database.

[1144] Input: User's spending information.

[1145] Output: Categorized expenditure information.

[1146] Specific operation: The server receives expenditure information, categorizes it using an automatic categorization algorithm (e.g., Naive Bayes classification), and updates the database.

[1147] Step 6:

[1148] The server calculates the surplus funds based on the income and expenditure information.

[1149] Input: Income and expense information retrieved from a database.

[1150] Output: The calculated surplus funds.

[1151] Specific operation: The server obtains income and expenditure information, calculates the surplus funds by subtracting them, and updates the result in the database.

[1152] Step 7:

[1153] Users set goals and calculate budgets based on those goals

[1154] Input: User-defined goals and surplus funds information.

[1155] Output: Calculated budget allocation.

[1156] Specific operation: The application sends the user's set goals to the server, and the server uses an algorithm to calculate the monthly budget allocation based on surplus funds information and updates the database.

[1157] Step 8:

[1158] The server simulates future allocations of funds

[1159] Input: Current budget allocation information and sentiment data.

[1160] Output: Simulation results.

[1161] Specific operation: The server uses a simulation engine to generate different scenarios, simulate future fund allocations, and send the results to the terminal.

[1162] Step 9:

[1163] The server generates advice and provides it to the user.

[1164] Input: Financial analysis results and sentiment data.

[1165] Output: Advice suitable for the user.

[1166] Specific operation: The server uses an algorithm to generate advice based on financial analysis results, and takes emotional data into account to send personalized advice to the device.

[1167] Step 10:

[1168] The terminal displays financial data in a user interface

[1169] Input: Financial data retrieved from the database.

[1170] Output: The visualization data that is displayed in the user interface.

[1171] What it does: The device uses the acquired financial data to generate intuitive and emotionally relevant graphs and charts and displays them to the user.

[1172] Step 11:

[1173] The server encrypts and stores all data

[1174] Input: The data generated at each step.

[1175] Output: Data encrypted and stored in the database.

[1176] What happens: The server encrypts the data using an encryption algorithm (e.g., AES encryption) and stores it securely in the database.

[1177] 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.

[1178] 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.

[1179] 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.

[1180] [Third embodiment]

[1181] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[1182] 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.

[1183] 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).

[1184] 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.

[1185] 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.

[1186] 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).

[1187] 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.

[1188] 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.

[1189] 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.

[1190] 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.

[1191] 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.

[1192] 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."

[1193] The system of the present invention is a planning AI household account book that allows users to efficiently allocate funds to their hobbies and interests. Specific embodiments for implementing the system of the present invention are described below.

[1194] User profiling function

[1195] A user inputs their hobbies and interests into an application. For example, a user inputs "travel" as a hobby. This input information is sent to the server via the terminal. If the user data does not exist in the database, the server creates a new user profile and sets the input hobby information as a high priority. Once this prioritization is complete, the profile information is updated in the database.

[1196] Expense Tracking

[1197] Users enter their daily spending information into the application. For example, they enter transaction information such as "buying coffee at a cafe." This information is sent from the device to the server, which automatically classifies it as a "food and drink" category. The classified spending information is updated in the database, allowing users' spending patterns to be understood in real time.

[1198] Financial analysis function

[1199] The server retrieves the user's income and expenditure information from a database. It calculates surplus funds by analyzing income and expenditure patterns and identifying unnecessary expenses. For example, if your monthly income is $3,000 and your monthly expenses are $2,500, your surplus funds will be calculated as $500. This information is updated in the database, ensuring that the user's financial situation is always up to date.

[1200] Budget allocation function

[1201] The user sets a specific goal, for example, "I want to save $1,000 and go on a trip next summer." This goal information is sent from the device to the server. The server retrieves surplus funds information from the database and calculates the monthly savings amount based on the goal. For example, the user makes a plan to save $200 per month for travel funds and updates that information to the database.

[1202] Simulation Function

[1203] The server retrieves current budget allocation information from the database and simulates future fund allocation. For example, it predicts whether the savings amount will reach the target of $1,000 in one year. The simulation results are generated by the server and sent to the terminal. The user can check the simulation results in the application.

[1204] Interactive advice feature

[1205] The server retrieves the financial analysis results from the database and generates advice based on the user's goals and financial situation. For example, specific advice such as "reducing your food and beverage expenses by $50 per month will help you save money for travel more quickly" is generated and sent to the device. The user can then review this advice in the application and apply it to their daily spending.

[1206] User Interface

[1207] The device retrieves the user's financial data from the database and displays it to the user through an intuitive interface, such as graphs and charts showing the travel fund status, budget allocation, and spending, allowing users to easily understand their progress.

[1208] Data Security and Privacy

[1209] The server encrypts all data sent and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties and protecting privacy.

[1210] By integrating these functions, the system of the present invention enables users to efficiently manage their funds and make planned investments aimed at their hobbies and goals.

[1211] The processing flow will be explained below.

[1212] User profiling function

[1213] Step 1:

[1214] The user enters their hobbies and interests (e.g., travel) into the application.

[1215] Step 2:

[1216] The terminal receives this input information and sends it to the server.

[1217] Step 3:

[1218] The server retrieves the user data from the database.

[1219] Step 4:

[1220] If the server does not have a user profile in the database, it will initialize new user data.

[1221] Step 5:

[1222] The server collects and prioritizes information about the user's hobbies and interests.

[1223] Step 6:

[1224] The server updates the prioritized user profile to the database.

[1225] Expense Tracking

[1226] Step 1:

[1227] Users enter their daily transactions and expenditures (e.g. buying coffee at a cafe).

[1228] Step 2:

[1229] The terminal receives this information and transmits it to the server.

[1230] Step 3:

[1231] The server automatically categorizes the user's transaction information.

[1232] Step 4:

[1233] The server updates the categorized expenditure information to a database.

[1234] Financial analysis function

[1235] Step 1:

[1236] The server retrieves the user's income information from a database.

[1237] Step 2:

[1238] The server retrieves the user's spending information from a database.

[1239] Step 3:

[1240] The server analyzes income and expenditure patterns to identify unnecessary expenditures.

[1241] Step 4:

[1242] The server calculates the surplus funds (income minus expenses).

[1243] Step 5:

[1244] The server updates this information in a database.

[1245] Budget allocation function

[1246] Step 1:

[1247] The user sets a specific goal (e.g., save $1,000 for a trip).

[1248] Step 2:

[1249] The terminal receives this target information and transmits it to the server.

[1250] Step 3:

[1251] The server retrieves the surplus fund information from the database.

[1252] Step 4:

[1253] The server calculates the optimal budget based on the user's goals.

[1254] Step 5:

[1255] The server updates the budget allocation to the database.

[1256] Simulation Function

[1257] Step 1:

[1258] The server retrieves the current budget allocation information from the database.

[1259] Step 2:

[1260] The server simulates future scenarios.

[1261] Step 3:

[1262] The server generates the simulation results.

[1263] Step 4:

[1264] The server transmits the simulation results to the terminal.

[1265] Interactive advice feature

[1266] Step 1:

[1267] The server retrieves the financial analysis results from the database.

[1268] Step 2:

[1269] The server generates advice based on the user's goals and financial situation.

[1270] Step 3:

[1271] The server sends the advice to the user.

[1272] User Interface

[1273] Step 1:

[1274] The device retrieves the user's financial data from a database.

[1275] Step 2:

[1276] The device displays data in an intuitive user interface.

[1277] Data Security and Privacy

[1278] Step 1:

[1279] The server encrypts the transmitted data.

[1280] Step 2:

[1281] The server stores the encrypted data in a database.

[1282] Example 1

[1283] 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."

[1284] Current home financial management tools do not adequately provide personalized budget allocation based on users' hobbies and interests, transaction management of income and expenses, future financial simulations, or specific financial advice. As a result, users face challenges in efficiently formulating financial plans and tracking progress toward achieving their goals.

[1285] 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.

[1286] In this invention, the server includes means for a user to input hobbies and interests, means for transmitting the information to a data processing device, means for retrieving user information from a data storage device, means for analyzing the retrieved user information and updating the prioritized information in the data storage device, means for receiving and automatically categorizing user transaction information and updating the information in the data storage device, means for retrieving user income information and expenditure information from the data storage device, means for calculating surplus funds based on the retrieved income information and expenditure information, means for updating the calculated surplus funds in the data storage device, means for calculating a budget based on the user's goals, means for updating the calculated budget in the data storage device, means for simulating future fund allocations, means for generating simulation results, means for transmitting the generated results to the data processing device, means for generating advice based on the user's goals and financial situation, means for transmitting advice information to the user, means for encrypting the retrieved data, means for storing the encrypted data in the data storage device, and means for displaying financial data in an intuitive interface, thereby enabling users to efficiently and systematically manage their finances in an optimal manner for their hobbies and goals.

[1287] "User" means an individual who uses the System to manage their hobbies, interests, and financial affairs.

[1288] "Hobbies and interests" are activities or subjects that a user personally enjoys or is interested in.

[1289] A "data processing device" is a device such as a server that receives information sent by a user and analyzes and updates it.

[1290] "User Information" refers to data entered by a user, such as hobbies and interests, income information, expenditure information, and goals that the user has set.

[1291] A "data storage device" is a database or storage for saving user information, analysis results, simulation results, etc.

[1292] "Transaction Information" is detailed information about a user's everyday purchases and expenditures.

[1293] "Automatic categorization" is the process of analyzing transaction information and assigning it to predefined categories.

[1294] "Income Information" means details of all income earned by a User.

[1295] "Expense Information" means details of all expenses made by a User.

[1296] "Surplus funds" are the funds remaining after subtracting expenses from income.

[1297] A "Goal" is a specific financial goal set by a user.

[1298] A "budget" is an allocation of funds that is systematically allocated to achieve a goal.

[1299] "Simulating future fund allocations" is a process of predicting future fund movements based on current budget allocations.

[1300] "Advice" is a specific course of action suggested to you based on your financial situation and goals.

[1301] "Encryption" is a technique for transforming information to maintain data security.

[1302] An "intuitive interface" is a visually designed interface that is easy for users to understand and operate.

[1303] The system of the present invention is a planning AI household accounting system that allows users to efficiently allocate funds based on their hobbies and interests. Specific embodiments of the present invention are described below.

[1304] System configuration

[1305] This system consists of a user-owned device, a server, and a data storage device. The device can be a smartphone, tablet, PC, etc., and the server can be a cloud server or a local server. The data storage device can be a database or other storage medium.

[1306] User profiling function

[1307] The user uses the device to access the application's profile entry screen and enter their hobbies and interests. For example, "travel" is entered as a hobby. This information is sent from the device to the server in encrypted form. The server uses this information to create a new user profile or update an existing profile. This profile information is then stored in a data storage device.

[1308] Expense Tracking

[1309] Users enter their daily spending information into the application. For example, they might enter "I bought a coffee at a cafe." This information is encrypted and sent from the device to the server. The server analyzes the received spending information and automatically classifies it into categories such as "food and drink." The classified spending information is updated in a data storage device, allowing users' spending patterns to be understood in real time.

[1310] Financial analysis function

[1311] The server retrieves the user's income and expenditure information from the data storage device and analyzes their income and expenditure patterns. It calculates surplus funds by identifying unnecessary expenditures. For example, if your monthly income is $3,000 and your monthly expenditure is $2,500, your surplus funds will be calculated as $500. This information is updated in the data storage device, allowing the user to always have an up-to-date view of their financial situation.

[1312] Budget allocation function

[1313] The user sets a specific goal using the terminal. For example, "I want to save $1,000 next year and go on a trip." This goal information is sent from the terminal to the server. The server retrieves surplus funds information from the data storage device and calculates the monthly savings amount based on the goal. For example, if $1,000 is saved in one year, the monthly savings amount will be approximately $83.33. This savings plan is saved in the data storage device.

[1314] Simulation Function

[1315] The server retrieves current budget allocation information from the data storage device and simulates future fund allocation. For example, it predicts whether the savings amount will reach the target of $1,000 in one year and generates the simulation results. The generated results are sent to the terminal and the user can check them in the application.

[1316] Interactive advice feature

[1317] The server retrieves the financial analysis results from the data storage device and generates specific advice based on the user's goals and financial situation. For example, it generates advice such as, "By reducing your dining expenses by $50 per month, you can save money for travel more quickly." This advice is sent to the device and can be viewed by the user through the application.

[1318] User Interface

[1319] The device retrieves the user's financial data from the data storage device and displays it to the user through an intuitive interface, such as showing the travel fund status, budget allocation, and expenditures in graphs and charts, allowing the user to easily understand their progress.

[1320] Data Security and Privacy

[1321] All data transmitted between the server and the device is encrypted. The encrypted data is securely stored on the data storage device, minimizing the risk of user data being leaked to third parties. Data access is also controlled, and security logs are monitored to prevent unauthorized access.

[1322] Examples of specific examples and prompts

[1323] As a concrete example, the following scenario can be considered.

[1324] 1. A user enters "travel" as a hobby.

[1325] 2. Enter "Purchased coffee at a cafe" as today's expenditure information.

[1326] 3. Enter your monthly income and expenses to calculate your surplus funds.

[1327] 4. Set a goal of $1,000 for travel the following year.

[1328] 5. Simulate whether you will reach your target amount in one year.

[1329] 6. Get advice on what expenses to cut based on your financial situation.

[1330] Example prompt sentence:

[1331] "If a user enters travel as a hobby, explain how a new profile is generated and saved."

[1332] "How does the server process the transaction information for buying coffee at a cafe?"

[1333] "Explain how the server analyzes your income and expenses to calculate your surplus funds."

[1334] If a user sets a savings goal for travel, how should the server calculate the monthly savings amount?

[1335] "Please tell us how you will generate simulation results of future fund allocations and provide them to users."

[1336] "Explain how you can provide specific advice based on a user's financial situation."

[1337] As described above, the embodiments of the present invention enable users to manage their funds efficiently and systematically, and realize optimal financial planning aimed at their own hobbies and goals.

[1338] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1339] Step 1:

[1340] The user accesses the profile input screen of the application and inputs their hobbies and interests. For example, they input "travel." This input hobby information becomes the input for processing. The device encrypts this information and sends it to the server. The server receives the encrypted information and analyzes the hobby information. The server analyzes the hobby information and creates or updates a user profile. This profile information is then saved in the data storage device.

[1341] Step 2:

[1342] The user accesses the application's expenditure input screen and enters daily expenditure information. For example, the user enters "purchased coffee at a cafe." This entered expenditure information becomes the input for processing. The device encrypts this information and sends it to the server. The server receives the encrypted information and analyzes the expenditure details. Based on the expenditure information, the server automatically classifies it into an appropriate category, such as the "food and drink" category. The classified expenditure information is updated in the data storage device, and the user's expenditure pattern is updated in real time.

[1343] Step 3:

[1344] The server acquires the user's income and expenditure information from the data storage device. This acquired income and expenditure information becomes the input for processing. The server analyzes income and expenditure patterns based on this information. The server calculates the surplus funds by subtracting expenses from income. For example, if monthly income is $3,000 and monthly expenses are $2,500, the surplus funds are calculated as $500. This calculation result becomes the output and is updated in the data storage device.

[1345] Step 4:

[1346] The user sets a specific goal through the application. For example, they might enter, "Save $1,000 next year and go on a trip." This entered goal information becomes the input for processing. The device encrypts this information and sends it to the server. The server retrieves surplus funds information from the data storage device and calculates the monthly savings amount based on the goal. For example, if $1,000 is saved in one year, the monthly savings amount will be approximately $83.33. The calculation result becomes the output and is saved in the data storage device as a savings plan.

[1347] Step 5:

[1348] The server retrieves current budget allocation information from the data storage device. This retrieved budget allocation information becomes the input for processing. The server simulates future fund allocation and predicts whether the set target amount will be reached. For example, it simulates whether the savings amount will reach the target of $1,000 in one year. The results of this simulation become the output and are sent to the terminal. The user can check the results in the application.

[1349] Step 6:

[1350] The server retrieves the latest financial analysis results from the data storage device. These retrieved financial analysis results serve as the input for processing. The server compares the user's goals with their current financial situation and generates specific advice. For example, the server generates advice such as "By reducing your food and beverage expenses by $50 per month, you will be able to save money for travel more quickly." This advice is output and sent to the terminal. The user can then view the advice in the application.

[1351] Step 7:

[1352] The device retrieves the user's latest financial data from the data storage device. This retrieved financial data serves as input for processing. The device generates graphs and charts based on the retrieved data, for example, showing the status of travel savings or a breakdown of expenses by category. The generated graphs and charts serve as output, which the user can view in the application.

[1353] Step 8:

[1354] All data sent between the device and the server is encrypted. The encrypted data is the input for processing. The server receives the encrypted data and stores it securely in a data storage device. This encrypted data is the output, ensuring security. Data access is also controlled, and security logs are monitored to prevent unauthorized access.

[1355] (Application example 1)

[1356] 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."

[1357] Conventional household accounting systems have the problem that it is difficult to manage a budget efficiently based on a user's hobbies and interests, and they lack functionality that links with daily spending tracking, such as food delivery apps, making it difficult to effectively manage finances based on the lifestyle that users desire.

[1358] 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.

[1359] In this invention, the server includes means for a user to input hobbies and interests, means for transmitting the information to the server, means for retrieving user data from a database, means for analyzing the retrieved user data and updating the prioritized information in the database, means for receiving and automatically categorizing user transaction information and updating the information in the database, means for retrieving user income information and expenditure information from the database, means for calculating surplus funds based on the retrieved income information and expenditure information, means for updating the calculated surplus funds in the database, means for calculating a budget based on the user's goals, means for updating the calculated budget in the database, means for simulating future budget allocations, means for generating simulation results, means for transmitting the generated results to the server, means for generating advice based on the user's goals and financial situation, means for transmitting advice information to the user, means for encrypting data, means for storing the encrypted data in the database, means for generating savings advice based on the user's spending patterns, means for notifying the user of the savings advice, and means for automatically tracking and categorizing expenditures through a food delivery app, thereby enabling a user to efficiently manage their budget and receive appropriate savings advice while using a food delivery app.

[1360] (Word definition)

[1361] "User" refers to an individual who uses the System and enters information about their hobbies, interests, income, and expenses.

[1362] "Hobbies and Interests" refers to activities, areas, or subjects that interest you personally.

[1363] "Server" refers to a computer system that can store data sent by users and perform analytical processing.

[1364] A "database" refers to an information storage system that systematically accumulates information such as users' hobbies, interests, income, and expenses.

[1365] "Transaction Information" refers to specific information relating to purchasing activities and expenditures made by a User.

[1366] "Category" refers to a classification item for classifying transaction information and expenditure information.

[1367] "Revenue Information" refers to specific data regarding the revenue earned by a user.

[1368] "Expense Information" refers to specific data regarding expenses paid by a User.

[1369] "Excess Funds" refers to the funds available after deducting expenses from a User's income.

[1370] "Goal" refers to a specific monetary plan that a user wishes to achieve.

[1371] "Budget" refers to the specific allocation of funds that a user plans to achieve a goal.

[1372] "Simulation" refers to a hypothetical calculation performed to predict future financial conditions.

[1373] "Advice" refers to specific advice provided based on a user's financial situation and goals.

[1374] A "food delivery app" refers to a dedicated application that allows users to order meals and request delivery.

[1375] "Savings Advice" refers to specific instructions or suggestions provided to users to help them reduce their everyday spending.

[1376] "Spending patterns" refers to a user's spending habits and tendencies.

[1377] "Encryption" refers to a security technology that converts data so that it cannot be deciphered by third parties.

[1378] patent specification

[1379] The system for implementing the present invention uses the following hardware and software.

[1380] Hardware and software used

[1381] Hardware: Servers (e.g., cloud servers or on-premise servers), user devices (smartphones, tablets, PCs, etc.)

[1382] Software: Python, Flask, SQLite, food delivery app

[1383] User profiling function

[1384] 1. Users use devices such as smartphones or tablets to enter their hobbies and interests, such as "travel" or "reading."

[1385] 2. This information is sent via the device to the server.

[1386] 3. The server receives the submitted data and creates a new user profile in the database, which sets the entered hobby information as a high priority and updates the database.

[1387] Expense Tracking

[1388] 1. A user makes a purchase using a food delivery app, for example, a transaction such as "ordering a pizza."

[1389] 2. Transaction information is automatically sent from the food delivery app to the server.

[1390] 3. The server analyzes the received transaction information and classifies it into the appropriate category (e.g., "food and drink"). This classification information is updated in the database.

[1391] Financial analysis function

[1392] 1. The server retrieves the user's income and expenditure information from the database.

[1393] 2. Based on the acquired income and expenditure data, the server calculates the surplus funds. For example, if the monthly income is $3000 and the monthly expenditure is $2500, the surplus funds is $500.

[1394] 3. The calculated surplus funds information is updated in the database, allowing users to always have the most up-to-date information on their financial situation.

[1395] Budget allocation function

[1396] 1. Users set a specific goal, such as "I want to save $1,000 and go on a trip next summer."

[1397] 2. This target information is sent from the device to the server.

[1398] 3. The server retrieves the surplus funds information from the database and calculates the monthly savings amount based on the goal. For example, you can plan to save $200 per month for travel, and update the information in the database.

[1399] Interactive advice feature

[1400] 1. The server retrieves the financial analysis results from the database.

[1401] 2. Based on the information obtained, the system generates advice based on the user's goals and financial situation. For example, it might generate specific advice such as, "By cutting your food and beverage expenses by $50 per month, you can save money for travel more quickly."

[1402] 3. This advice is sent from the server to the device, where the user can view it in the application.

[1403] User Interface

[1404] 1. The server retrieves the user's financial data from the database and displays it on the terminal through an intuitive interface.

[1405] 2. For example, graphs and charts can be used to display travel fund savings, budget allocation, and spending, allowing users to easily understand progress.

[1406] Data Security and Privacy

[1407] 1. The server encrypts all data transmitted and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties.

[1408] Examples and prompts

[1409] Specific examples

[1410] When User A uses a food delivery app, he or she sets a monthly food and beverage budget and receives suggestions and advice on how to use food delivery services within that budget.

[1411] User A enters his / her monthly income and hobby (e.g., "travel") into the app.

[1412] Spending information is automatically categorized for each food delivery use, and budget management is performed in real time.

[1413] At the end of the month, you'll see advice like, "By cutting your food and drink expenses by $30 a month, you'll save up travel funds several months faster."

[1414] Prompt Sentence Examples

[1415] “Generate specific advice on reducing food and beverage costs based on the user’s spending patterns.

[1416] Input: User ID: 12345, Income: 3000, Expenses: Entertainment (500), Shopping (200), Transportation (100), Goal: Travel fund $1000

[1417] Output: By cutting $50 off my dining expenses this month, I can plan ahead and save up for travel a few months sooner. I can also choose my favorite restaurants within my monthly budget.

[1418] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1419] Program processing steps

[1420] Step 1:

[1421] The user enters their hobbies and interests using a device (such as a smartphone or tablet). The entered information (e.g., "travel") is sent to the server via the device. At this time, the input data of hobbies and interests is sent to the server in JSON format. The server stores the received data in a database and creates an appropriate profile.

[1422] Input: User's hobbies and interests

[1423] Data processing: Convert to JSON format

[1424] Output: User profile stored in database

[1425] Step 2:

[1426] A user places an order using a food delivery app. The food delivery app automatically records the transaction information (e.g., "Pizza Order") and sends it to a server in real time. The server receives the transaction information, categorizes it into categories (e.g., "Food and Drink"), and stores it in a database.

[1427] Input: Transaction information from food delivery app

[1428] Data Calculation: Category Classification

[1429] Output: Transaction information stored in the database

[1430] Step 3:

[1431] The server periodically obtains the user's income and expenditure information. Based on the income and expenditure data, the server calculates the monthly surplus funds (e.g., monthly income $3,000, expenditure $2,500, surplus funds $500). The calculated surplus funds information is updated in the database.

[1432] Input: Income and expenditure information

[1433] Data calculation: Calculating surplus funds

[1434] Output: Updated surplus funds information in the database

[1435] Step 4:

[1436] The user sets a specific goal using the device. The goal information (e.g., "I want to save $1,000 and go on a trip next summer") is sent to the server. The server calculates the monthly savings amount (e.g., $200 per month) based on the surplus funds information and updates the information in the database.

[1437] Input: User goal information

[1438] Data calculation: Calculate monthly savings amount

[1439] Output: Updated fund information in the database

[1440] Step 5:

[1441] The server retrieves current budget allocation information from the database and simulates future fund allocation. It generates the simulation results (e.g., whether the target of $1,000 will be reached in one year) and sends them to the terminal. The user can check the simulation results on the terminal.

[1442] Input: Budget Allocation Information

[1443] Data calculation: Simulation of future fund allocation

[1444] Output: Generated simulation results

[1445] Step 6:

[1446] The server uses the user's financial data to generate savings advice based on the user's goals and financial situation. For example, it creates specific advice such as "reducing your dining expenses by $50 per month will help you save money for travel more quickly" and sends it to the device. The user can then review this advice and adjust their spending.

[1447] Input: Financial analysis data

[1448] Data Operations: Advice Generation

[1449] Output: Advice information sent to terminal

[1450] Step 7:

[1451] The server encrypts all transmitted data and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties.

[1452] Input: Send data

[1453] Data processing: Data encryption

[1454] Output: Encrypted data stored in the database

[1455] 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.

[1456] The system of the present invention is a planning AI household account book that allows users to efficiently allocate funds to their hobbies and interests, and is also combined with an emotion engine. Specific embodiments for implementing the system of the present invention are described below.

[1457] User profiling function

[1458] The user enters their hobbies and interests into the application. For example, the user enters "travel" as a hobby. This input information is sent to the server via the device, and if the user data does not exist in the database, the server creates a new user profile. The user's input data is also analyzed by an emotion engine to determine the user's emotional state. Based on the determined emotion, the user's hobbies and interests are further prioritized. Once this process is complete, the information is updated in the database.

[1459] Expense Tracking

[1460] Users enter their daily spending information into the application. For example, they enter a transaction such as "buying coffee at a cafe." This information is sent from the device to the server, which automatically classifies it as a "food and drink" category. The user's emotional state, which accompanies the transaction information, is also analyzed and updated in the database along with the spending information. During this process, if a particular emotion influences spending patterns, this is also retained as data.

[1461] Financial analysis function

[1462] The server retrieves the user's income and expenditure information from the database and analyzes income and expenditure patterns. The emotion engine references the emotional data associated with each transaction to identify unnecessary spending or emotionally driven impulsive spending. For example, it identifies increased spending on food and beverages during periods of high stress. Surplus funds are calculated and updated to the database.

[1463] Budget allocation function

[1464] The user sets a specific goal (e.g., saving $1,000 for a trip). This goal information is sent from the device to the server. The server retrieves surplus funds information from the database and calculates the monthly savings amount based on the goal. The emotion engine takes into account the user's emotional state and allocates the budget to realistically and smoothly achieve the goal. For example, during periods of emotional instability, it also considers budgets that will help reduce stress. This information is updated in the database.

[1465] Simulation Function

[1466] The server retrieves current budget allocation information from the database and simulates future fund allocations. An emotion engine is also incorporated into the simulation, taking into account the impact of the user's emotional state on future fund allocations. For example, different fund allocation scenarios are generated depending on the user's emotional state. The simulation results are generated by the server and sent to the device. The user can view the simulation results in the application.

[1467] Interactive advice feature

[1468] The server retrieves the financial analysis results from the database and generates advice based on the user's goals and financial situation. The emotion engine takes into account the user's emotional state and provides appropriate advice. For example, specific advice such as "reducing your food and beverage expenses by $50 per month will help you save money for travel more quickly" is generated, and the server checks whether the user's emotional state is stress-free. This advice information is sent to the user and displayed on their device.

[1469] User Interface

[1470] The device retrieves the user's financial data from the database and displays it to the user through an intuitive and emotional interface, such as graphs and charts showing the travel fund status, budget allocation, and spending, allowing the user to easily understand their progress.

[1471] Data Security and Privacy

[1472] The server encrypts all data sent and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties and protecting privacy.

[1473] By integrating these functions, the system of the present invention enables users to efficiently manage their funds and make planned investments aimed at their hobbies and goals. In addition, by incorporating an emotion engine, the system provides more personalized advice and plans that take into account the user's emotional state, helping users achieve their goals without stress.

[1474] The processing flow will be explained below.

[1475] User profiling function

[1476] Step 1:

[1477] The user enters their hobbies and interests (e.g., travel) into the application.

[1478] Step 2:

[1479] The terminal receives this input information and sends it to the server.

[1480] Step 3:

[1481] The server retrieves the user data from the database.

[1482] Step 4:

[1483] If the server does not have a user profile in the database, it will initialize new user data.

[1484] Step 5:

[1485] The server collects and prioritizes information about the user's hobbies and interests.

[1486] Step 6:

[1487] The server uses an emotion engine to analyze the user's emotions based on the collected information.

[1488] Step 7:

[1489] The server adjusts the priorities of hobbies and interests based on the analysis results.

[1490] Step 8:

[1491] The server updates the user profile with adjusted priorities to the database.

[1492] Expense Tracking

[1493] Step 1:

[1494] Users enter their daily transactions and expenditures (e.g. buying coffee at a cafe).

[1495] Step 2:

[1496] The terminal receives this information and transmits it to the server.

[1497] Step 3:

[1498] The server automatically categorizes the user's transaction information.

[1499] Step 4:

[1500] The server analyzes the emotion data attached to the transaction information using an emotion engine.

[1501] Step 5:

[1502] The server updates both the transaction information and the emotion data to the database.

[1503] Financial analysis function

[1504] Step 1:

[1505] The server retrieves the user's income information from a database.

[1506] Step 2:

[1507] The server retrieves the user's spending information from a database.

[1508] Step 3:

[1509] The server analyzes your income and spending patterns.

[1510] Step 4:

[1511] The server uses an emotion engine to look at the emotion data associated with each transaction and identify unnecessary spending and emotionally driven impulsive spending.

[1512] Step 5:

[1513] The server calculates the surplus funds (income minus expenses).

[1514] Step 6:

[1515] The server updates this information in a database.

[1516] Budget allocation function

[1517] Step 1:

[1518] The user sets a specific goal (e.g., save $1,000 for a trip).

[1519] Step 2:

[1520] The terminal receives this target information and transmits it to the server.

[1521] Step 3:

[1522] The server retrieves the surplus fund information from the database.

[1523] Step 4:

[1524] The server calculates the optimal budget based on the user's goals.

[1525] Step 5:

[1526] The server utilizes an emotion engine to adjust budget allocation based on the user's emotional state.

[1527] Step 6:

[1528] The server updates the calculated budget allocation to the database.

[1529] Simulation Function

[1530] Step 1:

[1531] The server retrieves the current budget allocation information from the database.

[1532] Step 2:

[1533] The server simulates future funding scenarios.

[1534] Step 3:

[1535] The server uses an emotion engine to generate different fund allocation scenarios based on emotional states.

[1536] Step 4:

[1537] The server generates the simulation results.

[1538] Step 5:

[1539] The server transmits the simulation results to the terminal.

[1540] Interactive advice feature

[1541] Step 1:

[1542] The server retrieves the financial analysis results from the database.

[1543] Step 2:

[1544] The server generates advice based on the user's goals and financial situation.

[1545] Step 3:

[1546] The server uses an emotion engine to tailor the advice content based on the user's emotional state.

[1547] Step 4:

[1548] The server sends advice information to the user.

[1549] User Interface

[1550] Step 1:

[1551] The device retrieves the user's financial data from a database.

[1552] Step 2:

[1553] The device displays data in an intuitive and emotionally sensitive user interface.

[1554] Data Security and Privacy

[1555] Step 1:

[1556] The server encrypts the transmitted data.

[1557] Step 2:

[1558] The server stores the encrypted data in a database.

[1559] Example 2

[1560] 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."

[1561] In modern household management and financial planning, users often find it difficult to allocate funds efficiently based on their hobbies and interests, and are unable to consider the impact of their emotional state on spending and budget allocation, resulting in incomplete planning and ineffective financial management.

[1562] The identification process by the identification processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means. In this invention, the server includes a means for a user to input hobbies and interests, a means for transmitting the information to the server, a means for acquiring user data from a database, a means for using an emotion engine to analyze the acquired user data, a means for prioritizing the analyzed information, a means for updating the prioritized information in the database, a means for receiving and automatically categorizing user transaction information, a means for using an emotion engine to analyze an emotion state related to the transaction information, a means for updating the information in the database, a means for acquiring user income information and expenditure information from the database, a means for calculating surplus funds based on the acquired income information and expenditure information, and a means for updating the calculated surplus funds in the database. The system includes a means for updating the database, a means for calculating a budget based on a user's goals, a means for using an emotion engine to calculate a budget taking into account the user's emotional state, a means for updating the calculated budget to the database, a means for simulating future fund allocations, a means for simulating future fund allocations using the emotion engine, a means for generating simulation results, a means for transmitting the generated results to a terminal, a means for generating advice based on the user's goals and financial situation, a means for using the emotion engine to take into account the user's emotional state when generating advice, a means for transmitting advice information to the user, a means for encrypting data, and a means for storing the encrypted data in a database. This enables efficient fund allocation according to the user's hobbies and interests, and realizes planned fund management taking into account the user's emotional state.

[1563] A "User" is an individual or their representative who uses the System and enters information such as hobbies, interests, and spending information.

[1564] A "terminal" is an electronic device used by a user to input information and communicate with a server. Examples include smartphones, tablets, and personal computers.

[1565] "Server" means a centralized computer system that receives, stores, and processes information submitted by users.

[1566] A "database" is a collection of data that is acquired and managed by a server, and includes various types of information such as user data, income information, and expenditure information.

[1567] The "emotion engine" is an algorithm that analyzes user input and transaction information, determines their emotional state, and performs analysis based on that.

[1568] "Hobbies and interests" are activities and concerns that users engage in based on their own enjoyment and interest, and are the subject of planning.

[1569] "Transaction information" refers to records of expenditures made by a user in their daily lives, including, for example, purchase history and payment information.

[1570] "Expense information" is data regarding the amount and content of expenditures made by a user.

[1571] "Income Information" means data regarding the income earned by a User and its breakdown.

[1572] "Surplus funds" is the amount of money remaining unused by the user, calculated based on income and expenditure information.

[1573] A "budget" is a financial allocation that a user plans to achieve a specific goal.

[1574] "Simulation" is the process of virtually calculating future funding allocations and budget situations.

[1575] "Advice" is the process of suggesting optimal actions or ways to reduce spending based on the user's goals, financial situation, and emotional state.

[1576] "Encryption" is the process of converting data into a form that cannot be deciphered by third parties, a process that protects privacy and security.

[1577] The system of the present invention is a planning AI household account book that allows users to efficiently allocate funds to their hobbies and interests, and is combined with an emotion engine. Specific embodiments for carrying out the invention are described below.

[1578] Hardware and Software Configuration

[1579] User device:

[1580] The user terminal is an electronic device such as a smartphone, tablet, or PC that runs the application, allowing the user to input information such as hobbies, interests, and spending information and communicate with the server.

[1581] server:

[1582] The server acts as a central location for receiving, storing, and processing information sent by users. The server contains a database management system (DBMS) and an emotion engine.

[1583] Database:

[1584] The database is used to store and manage user profile information, income information, expenditure information, emotional information, etc.

[1585] Emotion Engine:

[1586] The emotion engine is an algorithm that analyzes user input and transaction information to determine the user's emotional state. This engine is implemented on the server and is used for data analysis.

[1587] User Interface

[1588] Users enter information such as hobbies, interests, and spending through the device's application. This information is then sent to the server. The application provides an intuitive interface and is designed to be easy for users to use. For example, when entering hobbies and interests, users can select categories and enter keywords.

[1589] Data transmission and processing

[1590] The data entered by the user is sent from the device to the server. The server receives the data and stores it in a database. When creating or updating a profile based on the user's new hobbies and interests, the data is analyzed using an emotion engine to determine the user's emotional state. Based on the determined emotional state, the priorities of the user's hobbies and interests are adjusted and updated in the database.

[1591] Financial Management and Forecasting

[1592] The server retrieves the user's income and expenditure information from the database and analyzes their patterns using an emotion engine. This identifies unnecessary expenditures and emotionally driven impulsive expenditures and calculates surplus funds. The server also calculates a budget based on the user's set goal (e.g., "save $1,000 for a trip") and allocates a realistic budget taking into account the user's emotional state.

[1593] Simulation and Advice

[1594] The server uses an emotion engine to simulate future financial allocations and generate scenarios based on the user's emotional state. This allows the user to see the results of the simulation. It also generates and sends specific advice to the user based on the user's goals and financial situation. For example, the advice might be, "If you cut your dining expenses by $50 a month, you'll save money for travel even faster."

[1595] Security and Privacy Protection

[1596] The server encrypts all data sent and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties and protecting privacy.

[1597] Specific examples

[1598] For example, User A registers "travel" as a hobby in the app and records his daily expenses. The emotion engine analyzes income and expenditure information and identifies that food and beverage expenses increase during times of stress. User A sets a goal of "saving $1,000 for travel," and the server suggests saving $100 per month. It then conducts a simulation that takes into account User A's emotional state and provides specific advice such as "If you cut your food and beverage expenses by $50 per month, you will be able to save money for travel more quickly."

[1599] Prompt Sentence Examples

[1600] Below are some examples of how to use this system and some prompts for the generative AI model.

[1601] "We want users to simulate how much they can save by setting a travel expense goal, and receive advice tailored to their emotional state."

[1602] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1603] Step 1:

[1604] The user uses the device to input their hobbies and interests into the application. Specifically, the user inputs a hobby such as "travel" and presses the send button. Input: Data related to hobbies and interests. Output: Data sent to the server.

[1605] Step 2:

[1606] The device sends the hobby and interest data entered to the server. Specifically, the hobby data entered is sent to the server via an HTTP request. Input: Hobby and interest data. Output: Data sent to the server.

[1607] Step 3:

[1608] The server stores the received data in a database. The server first checks the database to see if the user data already exists. If not, it creates a new profile. Input: Hobbies and interests data sent to the server. Output: User profile stored in the database.

[1609] Step 4:

[1610] The data received by the server is analyzed by the emotion engine to determine the user's emotional state. For example, it may be determined that the user has a strong positive emotion toward the hobby of "travel." Input: Data related to hobbies and interests. Output: Determined emotional state.

[1611] Step 5:

[1612] Based on the analysis results of the emotion engine, the server adjusts the priority of hobbies and interests and updates the database. For example, "travel" is set as the user's top priority hobby. Input: Determined emotional state. Output: Updated database.

[1613] Step 6:

[1614] The user inputs daily expenditure information into the terminal. For example, they input specific expenditure information such as "purchasing coffee at a cafe" and press the send button. Input: Expenditure information. Output: Data sent to the server.

[1615] Step 7:

[1616] The terminal sends the entered expenditure information to the server. Specifically, the expenditure data is sent to the server via an HTTP request. Input: Expenditure information. Output: Data sent to the server.

[1617] Step 8:

[1618] The server automatically categorizes the received expenditure information. For example, "buying coffee at a cafe" is classified as "food and drink." Input: Received expenditure information. Output: Categorized expenditure information.

[1619] Step 9:

[1620] The server analyzes the emotional state associated with the transaction information received by the emotion engine and updates the database. For example, it determines that spending in the food and beverage category increases during periods of increased stress. Input: Transaction information and analysis by the emotion engine. Output: Updated database.

[1621] Step 10:

[1622] The server retrieves the user's income and expenditure information from the database. Specific processing involves executing SQL queries to extract the required data. Input: SQL query to the database. Output: Retrieved income and expenditure data.

[1623] Step 11:

[1624] The server calculates the surplus funds based on the income and expenditure information. For example, if the income is $2000 per month and the expenditure is $1500 per month, the surplus funds will be $500. Input: Obtained income and expenditure data. Output: Calculated surplus funds.

[1625] Step 12:

[1626] The calculated surplus cash information is updated in the database. The server adds a new record to the database and stores the surplus cash. Input: Calculated surplus cash. Output: Updated database.

[1627] Step 13:

[1628] The user sets a specific goal using the terminal. For example, they input a goal such as "save $1,000 for a trip" and press the send button. Input: Goal setting data. Output: Data sent to the server.

[1629] Step 14:

[1630] The device sends the goal setting data to the server. Specifically, the goal data is sent to the server via an HTTP request. Input: goal setting data. Output: data sent to the server.

[1631] Step 15:

[1632] The server retrieves surplus fund data from the database and calculates the amount to save based on the goal. For example, if the monthly surplus fund is $500 and the goal amount is $1,000, it calculates that two months of saving is required to reach the goal. Input: Goal setting data and surplus fund data. Output: Calculated amount to save.

[1633] Step 16:

[1634] The server allocates a realistic budget taking into account the user's emotional state. For example, it allocates a moderate budget to relaxation activities to reduce stress. Input: Calculated reserve amount and emotional state. Output: Adjusted budget allocation.

[1635] Step 17:

[1636] The calculated budget information is updated in the database. The server adds a new record to the database and saves the budget information. Input: Adjusted budget allocation. Output: Updated database.

[1637] Step 18:

[1638] The server simulates future fund allocations. It uses an emotion engine to generate multiple scenarios and provides the user with the optimal simulation results. Input: Latest budget allocation information and emotion information. Output: Simulation results.

[1639] Step 19:

[1640] The generated simulation results are sent to the terminal. The user checks the results in the application. Input: Simulation results. Output: Data sent to the terminal.

[1641] Step 20:

[1642] The server generates advice based on the user's goals and financial situation. It uses an emotion engine to suggest specific actions and ways to improve. Input: User's goals and financial data. Output: Generated advice.

[1643] Step 21:

[1644] Advice information is sent to the user. For example, a suggestion such as "By cutting your food and drink expenses by $50 per month, you can save money for travel even faster" is provided. Input: Generated advice. Output: Data sent to the terminal.

[1645] Step 22:

[1646] The server encrypts all data sent and stores it securely in a database, ensuring data privacy and security. Input: All data sent by the user. Output: A database containing encrypted data.

[1647] (Application example 2)

[1648] 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."

[1649] Conventional household accounting applications rarely provided specific financial management support based on users' hobbies and interests. Furthermore, there were no systems that provided budget allocation or purchasing advice that took into account the user's emotional state. This made it difficult for users to plan their finances and curb unexpected spending or unnecessary purchases. Furthermore, the lack of an intuitive and emotionally sensitive user interface made it difficult for users to use the system without stress. To solve these issues, a new system was needed.

[1650] 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.

[1651] In this invention, the server includes means for a user to input hobbies and interests, means for transmitting the information to the server, means for retrieving user data from a database, means for analyzing the retrieved user data and updating the database with prioritized information, means for receiving and automatically categorizing user transaction information and means for updating the information to the database, means for retrieving user income information and expense information from the database, means for calculating surplus funds based on the retrieved income information and expense information, means for updating the database with the calculated surplus funds, means for calculating a budget based on the user's goals, means for updating the database with the calculated budget, means for simulating future fund allocation, means for generating simulation results, means for transmitting the generated results to the server, means for generating advice based on the user's goals and financial situation, means for generating advice suitable for the user based on the emotional state, means for improving future fund allocation based on the simulation results, means for transmitting advice information to the user, means for encrypting data, means for storing the encrypted data in the database, and means for configuring an intuitive and emotion-sensitive user interface. This allows users to efficiently manage their finances based on their hobbies and interests, receive more personalized advice and plans that take into account their emotional state, and achieve their goals stress-free.

[1652] "Hobbies and interests" are specific interests or preferences in activities or subjects that an individual has.

[1653] A "server" is a part of a computer system that processes and manages data over a network.

[1654] "Priority" is a standard for determining the order in which multiple matters are processed or addressed based on their importance or urgency.

[1655] A "database" is a system for efficiently storing, managing, retrieving, and editing large amounts of data.

[1656] "Transaction Information" refers to detailed data about a user's purchases and spending.

[1657] "Categorization" refers to the process of separating transaction information into different groups based on specific classification criteria.

[1658] "Income Information" means data about a User's source of income and amount of income.

[1659] "Expense information" refers to data relating to expenditures such as purchases and service usage by users.

[1660] "Surplus funds" are the disposable funds remaining after subtracting income from expenses.

[1661] A "budget" is a financial plan allocated for a specific purpose or period of time.

[1662] "Simulation" is the process of modeling a real-world situation and using that model to predict future trends and outcomes.

[1663] An "emotional state" refers to an individual's psychological feelings or mood at a particular point in time.

[1664] "Advice" means advice or suggestions to help a user make sound financial or spending decisions.

[1665] "Encryption" is a security technology that converts data based on a specific algorithm to prevent third parties from deciphering it.

[1666] "User interface" refers to the means or screen display through which a user interacts with a system.

[1667] "Personalization" means providing information and services that are optimized to meet the needs and preferences of a particular user.

[1668] "Intuitive" means that the product is designed to be intuitive and easy for users to understand, without requiring complex operations.

[1669] "Stress" is a state of mind and body that causes strain and tension.

[1670] The system for realizing this invention provides a set of features that allow users to manage their finances effectively based on their unique hobbies and interests, and receive personalized advice that takes into account their emotional state.

[1671] Feature Overview

[1672] User profiling function

[1673] The user enters their hobbies and interests into the application. This information is sent via the device to the server, which stores it in a database. The user's input data is analyzed by the emotion engine to determine their emotional state. Based on this, the application adjusts the priorities of the user's hobbies and interests. This information is then updated in the database.

[1674] Expense Tracking

[1675] Users enter their daily spending information, which is then sent from their device to a server that automatically categorizes and updates the database. If certain emotions influence spending patterns, that data is also retained.

[1676] Financial analysis function

[1677] The server retrieves the user's income and expenditure information from the database and calculates the user's surplus funds based on that information. The emotion engine references the emotional data associated with each transaction to identify unnecessary expenditures and impulsive expenditures based on emotions. The results are then updated in the database.

[1678] Budget allocation function

[1679] When a user sets a specific goal, the goal information is sent from the device to the server. The server calculates the monthly savings amount based on the surplus funds information and allocates the budget taking into account the user's emotional state. This information is updated in the database.

[1680] Simulation Function

[1681] The server retrieves current budget allocation information from the database and simulates future fund allocations. It uses an emotion engine to generate different scenarios and present them to the user. The simulation results are sent to the terminal and can be viewed by the user.

[1682] Interactive advice feature

[1683] The server generates advice based on the financial analysis results, taking into account the user's goals and financial situation. It also uses an emotion engine to provide advice tailored to the user. This advice information is sent to the terminal and displayed to the user.

[1684] User Interface

[1685] The device displays financial data retrieved from the database in an intuitive and emotionally relevant way, for example, showing travel savings and expenditures in graphs and charts, allowing users to easily understand their progress.

[1686] Data Security and Privacy

[1687] The server encrypts all data and stores it securely in a database, ensuring user privacy.

[1688] Specific examples

[1689] For example, if a user enters "travel" as a hobby, the emotion engine will determine that the user is in a "high emotional state." Based on this information, the application will recommend travel-related products and services and calculate the user's budget allocation for purchasing them. Additionally, when a user enters their daily spending information, the application will categorize the information and calculate the surplus funds by comparing it with their income information.

[1690] Prompt Sentence Examples

[1691] If you ask a user, "What are your hobbies?" and the user answers, "Traveling":

[1692] Save the user's hobby as "travel" and analyze their emotions with an emotion engine. Then, recommend travel-related products and services and calculate and display budget allocations.

[1693] This allows users to efficiently manage their finances based on their hobbies and interests, receive more personalized advice and plans that take into account their emotional state, and achieve their goals stress-free.

[1694] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1695] Program processing flow

[1696] The processing flow of the program of the system that realizes the application example will be explained below step by step.

[1697] Step 1:

[1698] The user enters their hobbies and interests into the application

[1699] Input: The user uses their smartphone to enter their hobbies or interests (e.g., travel) into an input field in the application.

[1700] Output: The input data is sent from the device to the server.

[1701] Specific behavior: The application performs format checks on input data before sending it to the server, and rejects data with malformed formats.

[1702] Step 2:

[1703] The server stores the received information in a database and analyzes it using an emotion engine.

[1704] Input: User hobbies and interests data sent from the device.

[1705] Output: Emotional state results based on the saved user profile and input data.

[1706] Specific operation: The server stores the received data in a database and performs sentiment analysis using an emotion engine (e.g., TextBlob, NLTK).

[1707] Step 3:

[1708] The server adjusts the priorities of the user's hobbies and interests based on their emotional state.

[1709] Input: Emotion data parsed by the emotion engine.

[1710] Output: Adjusted priority information.

[1711] What it does: Based on the emotional data, the algorithm recalculates the priorities of hobbies and interests and updates the database.

[1712] Step 4:

[1713] Users enter their daily spending information

[1714] Input: A user uses their smartphone to enter spending information (e.g., buying a coffee at a cafe) into an application.

[1715] Output: The spending information is sent to the server.

[1716] What it does: When spending information is entered, the application pre-processes the data to automatically categorize it into categories.

[1717] Step 5:

[1718] The server categorizes the expenditure information and updates it in the database.

[1719] Input: User's spending information.

[1720] Output: Categorized expenditure information.

[1721] Specific operation: The server receives expenditure information, categorizes it using an automatic categorization algorithm (e.g., Naive Bayes classification), and updates the database.

[1722] Step 6:

[1723] The server calculates the surplus funds based on the income and expenditure information.

[1724] Input: Income and expense information retrieved from a database.

[1725] Output: The calculated surplus funds.

[1726] Specific operation: The server obtains income and expenditure information, calculates the surplus funds by subtracting them, and updates the result in the database.

[1727] Step 7:

[1728] Users set goals and calculate budgets based on those goals

[1729] Input: User-defined goals and surplus funds information.

[1730] Output: Calculated budget allocation.

[1731] Specific operation: The application sends the user's set goals to the server, and the server uses an algorithm to calculate the monthly budget allocation based on surplus funds information and updates the database.

[1732] Step 8:

[1733] The server simulates future allocations of funds

[1734] Input: Current budget allocation information and sentiment data.

[1735] Output: Simulation results.

[1736] Specific operation: The server uses a simulation engine to generate different scenarios, simulate future fund allocations, and send the results to the terminal.

[1737] Step 9:

[1738] The server generates advice and provides it to the user.

[1739] Input: Financial analysis results and sentiment data.

[1740] Output: Advice suitable for the user.

[1741] Specific operation: The server uses an algorithm to generate advice based on financial analysis results, and takes emotional data into account to send personalized advice to the device.

[1742] Step 10:

[1743] The terminal displays financial data in a user interface

[1744] Input: Financial data retrieved from the database.

[1745] Output: The visualization data that is displayed in the user interface.

[1746] What it does: The device uses the acquired financial data to generate intuitive and emotionally relevant graphs and charts and displays them to the user.

[1747] Step 11:

[1748] The server encrypts and stores all data

[1749] Input: The data generated at each step.

[1750] Output: Data encrypted and stored in the database.

[1751] What happens: The server encrypts the data using an encryption algorithm (e.g., AES encryption) and stores it securely in the database.

[1752] 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.

[1753] 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.

[1754] 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.

[1755] [Fourth embodiment]

[1756] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[1757] 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.

[1758] 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).

[1759] 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.

[1760] 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.

[1761] 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).

[1762] 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.

[1763] 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.

[1764] 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.

[1765] 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.

[1766] 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.

[1767] 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.

[1768] 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."

[1769] The system of the present invention is a planning AI household account book that allows users to efficiently allocate funds to their hobbies and interests. Specific embodiments for implementing the system of the present invention are described below.

[1770] User profiling function

[1771] A user inputs their hobbies and interests into an application. For example, a user inputs "travel" as a hobby. This input information is sent to the server via the terminal. If the user data does not exist in the database, the server creates a new user profile and sets the input hobby information as a high priority. Once this prioritization is complete, the profile information is updated in the database.

[1772] Expense Tracking

[1773] Users enter their daily spending information into the application. For example, they enter transaction information such as "buying coffee at a cafe." This information is sent from the device to the server, which automatically classifies it as a "food and drink" category. The classified spending information is updated in the database, allowing users' spending patterns to be understood in real time.

[1774] Financial analysis function

[1775] The server retrieves the user's income and expenditure information from a database. It calculates surplus funds by analyzing income and expenditure patterns and identifying unnecessary expenses. For example, if your monthly income is $3,000 and your monthly expenses are $2,500, your surplus funds will be calculated as $500. This information is updated in the database, ensuring that the user's financial situation is always up to date.

[1776] Budget allocation function

[1777] The user sets a specific goal, for example, "I want to save $1,000 and go on a trip next summer." This goal information is sent from the device to the server. The server retrieves surplus funds information from the database and calculates the monthly savings amount based on the goal. For example, the user makes a plan to save $200 per month for travel funds and updates that information to the database.

[1778] Simulation Function

[1779] The server retrieves current budget allocation information from the database and simulates future fund allocation. For example, it predicts whether the savings amount will reach the target of $1,000 in one year. The simulation results are generated by the server and sent to the terminal. The user can check the simulation results in the application.

[1780] Interactive advice feature

[1781] The server retrieves the financial analysis results from the database and generates advice based on the user's goals and financial situation. For example, specific advice such as "reducing your food and beverage expenses by $50 per month will help you save money for travel more quickly" is generated and sent to the device. The user can then review this advice in the application and apply it to their daily spending.

[1782] User Interface

[1783] The device retrieves the user's financial data from the database and displays it to the user through an intuitive interface, such as graphs and charts showing the travel fund status, budget allocation, and spending, allowing users to easily understand their progress.

[1784] Data Security and Privacy

[1785] The server encrypts all data sent and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties and protecting privacy.

[1786] By integrating these functions, the system of the present invention enables users to efficiently manage their funds and make planned investments aimed at their hobbies and goals.

[1787] The processing flow will be explained below.

[1788] User profiling function

[1789] Step 1:

[1790] The user enters their hobbies and interests (e.g., travel) into the application.

[1791] Step 2:

[1792] The terminal receives this input information and sends it to the server.

[1793] Step 3:

[1794] The server retrieves the user data from the database.

[1795] Step 4:

[1796] If the server does not have a user profile in the database, it will initialize new user data.

[1797] Step 5:

[1798] The server collects and prioritizes information about the user's hobbies and interests.

[1799] Step 6:

[1800] The server updates the prioritized user profile to the database.

[1801] Expense Tracking

[1802] Step 1:

[1803] Users enter their daily transactions and expenditures (e.g. buying coffee at a cafe).

[1804] Step 2:

[1805] The terminal receives this information and transmits it to the server.

[1806] Step 3:

[1807] The server automatically categorizes the user's transaction information.

[1808] Step 4:

[1809] The server updates the categorized expenditure information to a database.

[1810] Financial analysis function

[1811] Step 1:

[1812] The server retrieves the user's income information from a database.

[1813] Step 2:

[1814] The server retrieves the user's spending information from a database.

[1815] Step 3:

[1816] The server analyzes income and expenditure patterns to identify unnecessary expenditures.

[1817] Step 4:

[1818] The server calculates the surplus funds (income minus expenses).

[1819] Step 5:

[1820] The server updates this information in a database.

[1821] Budget allocation function

[1822] Step 1:

[1823] The user sets a specific goal (e.g., save $1,000 for a trip).

[1824] Step 2:

[1825] The terminal receives this target information and transmits it to the server.

[1826] Step 3:

[1827] The server retrieves the surplus fund information from the database.

[1828] Step 4:

[1829] The server calculates the optimal budget based on the user's goals.

[1830] Step 5:

[1831] The server updates the budget allocation to the database.

[1832] Simulation Function

[1833] Step 1:

[1834] The server retrieves the current budget allocation information from the database.

[1835] Step 2:

[1836] The server simulates future scenarios.

[1837] Step 3:

[1838] The server generates the simulation results.

[1839] Step 4:

[1840] The server transmits the simulation results to the terminal.

[1841] Interactive advice feature

[1842] Step 1:

[1843] The server retrieves the financial analysis results from the database.

[1844] Step 2:

[1845] The server generates advice based on the user's goals and financial situation.

[1846] Step 3:

[1847] The server sends the advice to the user.

[1848] User Interface

[1849] Step 1:

[1850] The device retrieves the user's financial data from a database.

[1851] Step 2:

[1852] The device displays data in an intuitive user interface.

[1853] Data Security and Privacy

[1854] Step 1:

[1855] The server encrypts the transmitted data.

[1856] Step 2:

[1857] The server stores the encrypted data in a database.

[1858] Example 1

[1859] 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."

[1860] Current home financial management tools do not adequately provide personalized budget allocation based on users' hobbies and interests, transaction management of income and expenses, future financial simulations, or specific financial advice. As a result, users face challenges in efficiently formulating financial plans and tracking progress toward achieving their goals.

[1861] 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.

[1862] In this invention, the server includes means for a user to input hobbies and interests, means for transmitting the information to a data processing device, means for retrieving user information from a data storage device, means for analyzing the retrieved user information and updating the prioritized information in the data storage device, means for receiving and automatically categorizing user transaction information and updating the information in the data storage device, means for retrieving user income information and expenditure information from the data storage device, means for calculating surplus funds based on the retrieved income information and expenditure information, means for updating the calculated surplus funds in the data storage device, means for calculating a budget based on the user's goals, means for updating the calculated budget in the data storage device, means for simulating future fund allocations, means for generating simulation results, means for transmitting the generated results to the data processing device, means for generating advice based on the user's goals and financial situation, means for transmitting advice information to the user, means for encrypting the retrieved data, means for storing the encrypted data in the data storage device, and means for displaying financial data in an intuitive interface, thereby enabling users to efficiently and systematically manage their finances in an optimal manner for their hobbies and goals.

[1863] "User" means an individual who uses the System to manage their hobbies, interests, and financial affairs.

[1864] "Hobbies and interests" are activities or subjects that a user personally enjoys or is interested in.

[1865] A "data processing device" is a device such as a server that receives information sent by a user and analyzes and updates it.

[1866] "User Information" refers to data entered by a user, such as hobbies and interests, income information, expenditure information, and goals that the user has set.

[1867] A "data storage device" is a database or storage for saving user information, analysis results, simulation results, etc.

[1868] "Transaction Information" is detailed information about a user's everyday purchases and expenditures.

[1869] "Automatic categorization" is the process of analyzing transaction information and assigning it to predefined categories.

[1870] "Income Information" means details of all income earned by a User.

[1871] "Expense Information" means details of all expenses made by a User.

[1872] "Surplus funds" are the funds remaining after subtracting expenses from income.

[1873] A "Goal" is a specific financial goal set by a user.

[1874] A "budget" is an allocation of funds that is systematically allocated to achieve a goal.

[1875] "Simulating future fund allocations" is a process of predicting future fund movements based on current budget allocations.

[1876] "Advice" is a specific course of action suggested to you based on your financial situation and goals.

[1877] "Encryption" is a technique for transforming information to maintain data security.

[1878] An "intuitive interface" is a visually designed interface that is easy for users to understand and operate.

[1879] The system of the present invention is a planning AI household accounting system that allows users to efficiently allocate funds based on their hobbies and interests. Specific embodiments of the present invention are described below.

[1880] System configuration

[1881] This system consists of a user-owned device, a server, and a data storage device. The device can be a smartphone, tablet, PC, etc., and the server can be a cloud server or a local server. The data storage device can be a database or other storage medium.

[1882] User profiling function

[1883] The user uses the device to access the application's profile entry screen and enter their hobbies and interests. For example, "travel" is entered as a hobby. This information is sent from the device to the server in encrypted form. The server uses this information to create a new user profile or update an existing profile. This profile information is then stored in a data storage device.

[1884] Expense Tracking

[1885] Users enter their daily spending information into the application. For example, they might enter "I bought a coffee at a cafe." This information is encrypted and sent from the device to the server. The server analyzes the received spending information and automatically classifies it into categories such as "food and drink." The classified spending information is updated in a data storage device, allowing users' spending patterns to be understood in real time.

[1886] Financial analysis function

[1887] The server retrieves the user's income and expenditure information from the data storage device and analyzes their income and expenditure patterns. It calculates surplus funds by identifying unnecessary expenditures. For example, if your monthly income is $3,000 and your monthly expenditure is $2,500, your surplus funds will be calculated as $500. This information is updated in the data storage device, allowing the user to always have an up-to-date view of their financial situation.

[1888] Budget allocation function

[1889] The user sets a specific goal using the terminal. For example, "I want to save $1,000 next year and go on a trip." This goal information is sent from the terminal to the server. The server retrieves surplus funds information from the data storage device and calculates the monthly savings amount based on the goal. For example, if $1,000 is saved in one year, the monthly savings amount will be approximately $83.33. This savings plan is saved in the data storage device.

[1890] Simulation Function

[1891] The server retrieves current budget allocation information from the data storage device and simulates future fund allocation. For example, it predicts whether the savings amount will reach the target of $1,000 in one year and generates the simulation results. The generated results are sent to the terminal and the user can check them in the application.

[1892] Interactive advice feature

[1893] The server retrieves the financial analysis results from the data storage device and generates specific advice based on the user's goals and financial situation. For example, it generates advice such as, "By reducing your dining expenses by $50 per month, you can save money for travel more quickly." This advice is sent to the device and can be viewed by the user through the application.

[1894] User Interface

[1895] The device retrieves the user's financial data from the data storage device and displays it to the user through an intuitive interface, such as showing the travel fund status, budget allocation, and expenditures in graphs and charts, allowing the user to easily understand their progress.

[1896] Data Security and Privacy

[1897] All data transmitted between the server and the device is encrypted. The encrypted data is securely stored on the data storage device, minimizing the risk of user data being leaked to third parties. Data access is also controlled, and security logs are monitored to prevent unauthorized access.

[1898] Examples of specific examples and prompts

[1899] As a concrete example, the following scenario can be considered.

[1900] 1. A user enters "travel" as a hobby.

[1901] 2. Enter "Purchased coffee at a cafe" as today's expenditure information.

[1902] 3. Enter your monthly income and expenses to calculate your surplus funds.

[1903] 4. Set a goal of $1,000 for travel the following year.

[1904] 5. Simulate whether you will reach your target amount in one year.

[1905] 6. Get advice on what expenses to cut based on your financial situation.

[1906] Example prompt sentence:

[1907] "If a user enters travel as a hobby, explain how a new profile is generated and saved."

[1908] "How does the server process the transaction information for buying coffee at a cafe?"

[1909] "Explain how the server analyzes your income and expenses to calculate your surplus funds."

[1910] If a user sets a savings goal for travel, how should the server calculate the monthly savings amount?

[1911] "Please tell us how you will generate simulation results of future fund allocations and provide them to users."

[1912] "Explain how you can provide specific advice based on a user's financial situation."

[1913] As described above, the embodiments of the present invention enable users to manage their funds efficiently and systematically, and realize optimal financial planning aimed at their own hobbies and goals.

[1914] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1915] Step 1:

[1916] The user accesses the profile input screen of the application and inputs their hobbies and interests. For example, they input "travel." This input hobby information becomes the input for processing. The device encrypts this information and sends it to the server. The server receives the encrypted information and analyzes the hobby information. The server analyzes the hobby information and creates or updates a user profile. This profile information is then saved in the data storage device.

[1917] Step 2:

[1918] The user accesses the application's expenditure input screen and enters daily expenditure information. For example, the user enters "purchased coffee at a cafe." This entered expenditure information becomes the input for processing. The device encrypts this information and sends it to the server. The server receives the encrypted information and analyzes the expenditure details. Based on the expenditure information, the server automatically classifies it into an appropriate category, such as the "food and drink" category. The classified expenditure information is updated in the data storage device, and the user's expenditure pattern is updated in real time.

[1919] Step 3:

[1920] The server acquires the user's income and expenditure information from the data storage device. This acquired income and expenditure information becomes the input for processing. The server analyzes income and expenditure patterns based on this information. The server calculates the surplus funds by subtracting expenses from income. For example, if monthly income is $3,000 and monthly expenses are $2,500, the surplus funds are calculated as $500. This calculation result becomes the output and is updated in the data storage device.

[1921] Step 4:

[1922] The user sets a specific goal through the application. For example, they might enter, "Save $1,000 next year and go on a trip." This entered goal information becomes the input for processing. The device encrypts this information and sends it to the server. The server retrieves surplus funds information from the data storage device and calculates the monthly savings amount based on the goal. For example, if $1,000 is saved in one year, the monthly savings amount will be approximately $83.33. The calculation result becomes the output and is saved in the data storage device as a savings plan.

[1923] Step 5:

[1924] The server retrieves current budget allocation information from the data storage device. This retrieved budget allocation information becomes the input for processing. The server simulates future fund allocation and predicts whether the set target amount will be reached. For example, it simulates whether the savings amount will reach the target of $1,000 in one year. The results of this simulation become the output and are sent to the terminal. The user can check the results in the application.

[1925] Step 6:

[1926] The server retrieves the latest financial analysis results from the data storage device. These retrieved financial analysis results serve as the input for processing. The server compares the user's goals with their current financial situation and generates specific advice. For example, the server generates advice such as "By reducing your food and beverage expenses by $50 per month, you will be able to save money for travel more quickly." This advice is output and sent to the terminal. The user can then view the advice in the application.

[1927] Step 7:

[1928] The device retrieves the user's latest financial data from the data storage device. This retrieved financial data serves as input for processing. The device generates graphs and charts based on the retrieved data, for example, showing the status of travel savings or a breakdown of expenses by category. The generated graphs and charts serve as output, which the user can view in the application.

[1929] Step 8:

[1930] All data sent between the device and the server is encrypted. The encrypted data is the input for processing. The server receives the encrypted data and stores it securely in a data storage device. This encrypted data is the output, ensuring security. Data access is also controlled, and security logs are monitored to prevent unauthorized access.

[1931] (Application example 1)

[1932] 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."

[1933] Conventional household accounting systems have the problem that it is difficult to manage a budget efficiently based on a user's hobbies and interests, and they lack functionality that links with daily spending tracking, such as food delivery apps, making it difficult to effectively manage finances based on the lifestyle that users desire.

[1934] 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.

[1935] In this invention, the server includes means for a user to input hobbies and interests, means for transmitting the information to the server, means for retrieving user data from a database, means for analyzing the retrieved user data and updating the prioritized information in the database, means for receiving and automatically categorizing user transaction information and updating the information in the database, means for retrieving user income information and expenditure information from the database, means for calculating surplus funds based on the retrieved income information and expenditure information, means for updating the calculated surplus funds in the database, means for calculating a budget based on the user's goals, means for updating the calculated budget in the database, means for simulating future budget allocations, means for generating simulation results, means for transmitting the generated results to the server, means for generating advice based on the user's goals and financial situation, means for transmitting advice information to the user, means for encrypting data, means for storing the encrypted data in the database, means for generating savings advice based on the user's spending patterns, means for notifying the user of the savings advice, and means for automatically tracking and categorizing expenditures through a food delivery app, thereby enabling a user to efficiently manage their budget and receive appropriate savings advice while using a food delivery app.

[1936] (Word definition)

[1937] "User" refers to an individual who uses the System and enters information about their hobbies, interests, income, and expenses.

[1938] "Hobbies and Interests" refers to activities, areas, or subjects that interest you personally.

[1939] "Server" refers to a computer system that can store data sent by users and perform analytical processing.

[1940] A "database" refers to an information storage system that systematically accumulates information such as users' hobbies, interests, income, and expenses.

[1941] "Transaction Information" refers to specific information relating to purchasing activities and expenditures made by a User.

[1942] "Category" refers to a classification item for classifying transaction information and expenditure information.

[1943] "Revenue Information" refers to specific data regarding the revenue earned by a user.

[1944] "Expense Information" refers to specific data regarding expenses paid by a User.

[1945] "Excess Funds" refers to the funds available after deducting expenses from a User's income.

[1946] "Goal" refers to a specific monetary plan that a user wishes to achieve.

[1947] "Budget" refers to the specific allocation of funds that a user plans to achieve a goal.

[1948] "Simulation" refers to a hypothetical calculation performed to predict future financial conditions.

[1949] "Advice" refers to specific advice provided based on a user's financial situation and goals.

[1950] A "food delivery app" refers to a dedicated application that allows users to order meals and request delivery.

[1951] "Savings Advice" refers to specific instructions or suggestions provided to users to help them reduce their everyday spending.

[1952] "Spending patterns" refers to a user's spending habits and tendencies.

[1953] "Encryption" refers to a security technology that converts data so that it cannot be deciphered by third parties.

[1954] patent specification

[1955] The system for implementing the present invention uses the following hardware and software.

[1956] Hardware and software used

[1957] Hardware: Servers (e.g., cloud servers or on-premise servers), user devices (smartphones, tablets, PCs, etc.)

[1958] Software: Python, Flask, SQLite, food delivery app

[1959] User profiling function

[1960] 1. Users use devices such as smartphones or tablets to enter their hobbies and interests, such as "travel" or "reading."

[1961] 2. This information is sent via the device to the server.

[1962] 3. The server receives the submitted data and creates a new user profile in the database, which sets the entered hobby information as a high priority and updates the database.

[1963] Expense Tracking

[1964] 1. A user makes a purchase using a food delivery app, for example, a transaction such as "ordering a pizza."

[1965] 2. Transaction information is automatically sent from the food delivery app to the server.

[1966] 3. The server analyzes the received transaction information and classifies it into the appropriate category (e.g., "food and drink"). This classification information is updated in the database.

[1967] Financial analysis function

[1968] 1. The server retrieves the user's income and expenditure information from the database.

[1969] 2. Based on the acquired income and expenditure data, the server calculates the surplus funds. For example, if the monthly income is $3000 and the monthly expenditure is $2500, the surplus funds is $500.

[1970] 3. The calculated surplus funds information is updated in the database, allowing users to always have the most up-to-date information on their financial situation.

[1971] Budget allocation function

[1972] 1. Users set a specific goal, such as "I want to save $1,000 and go on a trip next summer."

[1973] 2. This target information is sent from the device to the server.

[1974] 3. The server retrieves the surplus funds information from the database and calculates the monthly savings amount based on the goal. For example, you can plan to save $200 per month for travel, and update the information in the database.

[1975] Interactive advice feature

[1976] 1. The server retrieves the financial analysis results from the database.

[1977] 2. Based on the information obtained, the system generates advice based on the user's goals and financial situation. For example, it might generate specific advice such as, "By cutting your food and beverage expenses by $50 per month, you can save money for travel more quickly."

[1978] 3. This advice is sent from the server to the device, where the user can view it in the application.

[1979] User Interface

[1980] 1. The server retrieves the user's financial data from the database and displays it on the terminal through an intuitive interface.

[1981] 2. For example, graphs and charts can be used to display travel fund savings, budget allocation, and spending, allowing users to easily understand progress.

[1982] Data Security and Privacy

[1983] 1. The server encrypts all data transmitted and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties.

[1984] Examples and prompts

[1985] Specific examples

[1986] When User A uses a food delivery app, he or she sets a monthly food and beverage budget and receives suggestions and advice on how to use food delivery services within that budget.

[1987] User A enters his / her monthly income and hobby (e.g., "travel") into the app.

[1988] Spending information is automatically categorized for each food delivery use, and budget management is performed in real time.

[1989] At the end of the month, you'll see advice like, "By cutting your food and drink expenses by $30 a month, you'll save up travel funds several months faster."

[1990] Prompt Sentence Examples

[1991] “Generate specific advice on reducing food and beverage costs based on the user’s spending patterns.

[1992] Input: User ID: 12345, Income: 3000, Expenses: Entertainment (500), Shopping (200), Transportation (100), Goal: Travel fund $1000

[1993] Output: By cutting $50 off my dining expenses this month, I can plan ahead and save up for travel a few months sooner. I can also choose my favorite restaurants within my monthly budget.

[1994] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1995] Program processing steps

[1996] Step 1:

[1997] The user enters their hobbies and interests using a device (such as a smartphone or tablet). The entered information (e.g., "travel") is sent to the server via the device. At this time, the input data of hobbies and interests is sent to the server in JSON format. The server stores the received data in a database and creates an appropriate profile.

[1998] Input: User's hobbies and interests

[1999] Data processing: Convert to JSON format

[2000] Output: User profile stored in database

[2001] Step 2:

[2002] A user places an order using a food delivery app. The food delivery app automatically records the transaction information (e.g., "Pizza Order") and sends it to a server in real time. The server receives the transaction information, categorizes it into categories (e.g., "Food and Drink"), and stores it in a database.

[2003] Input: Transaction information from food delivery app

[2004] Data Calculation: Category Classification

[2005] Output: Transaction information stored in the database

[2006] Step 3:

[2007] The server periodically obtains the user's income and expenditure information. Based on the income and expenditure data, the server calculates the monthly surplus funds (e.g., monthly income $3,000, expenditure $2,500, surplus funds $500). The calculated surplus funds information is updated in the database.

[2008] Input: Income and expenditure information

[2009] Data calculation: Calculating surplus funds

[2010] Output: Updated surplus funds information in the database

[2011] Step 4:

[2012] The user sets a specific goal using the device. The goal information (e.g., "I want to save $1,000 and go on a trip next summer") is sent to the server. The server calculates the monthly savings amount (e.g., $200 per month) based on the surplus funds information and updates the information in the database.

[2013] Input: User goal information

[2014] Data calculation: Calculate monthly savings amount

[2015] Output: Updated fund information in the database

[2016] Step 5:

[2017] The server retrieves current budget allocation information from the database and simulates future fund allocation. It generates the simulation results (e.g., whether the target of $1,000 will be reached in one year) and sends them to the terminal. The user can check the simulation results on the terminal.

[2018] Input: Budget Allocation Information

[2019] Data calculation: Simulation of future fund allocation

[2020] Output: Generated simulation results

[2021] Step 6:

[2022] The server uses the user's financial data to generate savings advice based on the user's goals and financial situation. For example, it creates specific advice such as "reducing your dining expenses by $50 per month will help you save money for travel more quickly" and sends it to the device. The user can then review this advice and adjust their spending.

[2023] Input: Financial analysis data

[2024] Data Operations: Advice Generation

[2025] Output: Advice information sent to terminal

[2026] Step 7:

[2027] The server encrypts all transmitted data and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties.

[2028] Input: Send data

[2029] Data processing: Data encryption

[2030] Output: Encrypted data stored in the database

[2031] 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.

[2032] The system of the present invention is a planning AI household account book that allows users to efficiently allocate funds to their hobbies and interests, and is also combined with an emotion engine. Specific embodiments for implementing the system of the present invention are described below.

[2033] User profiling function

[2034] The user enters their hobbies and interests into the application. For example, the user enters "travel" as a hobby. This input information is sent to the server via the device, and if the user data does not exist in the database, the server creates a new user profile. The user's input data is also analyzed by an emotion engine to determine the user's emotional state. Based on the determined emotion, the user's hobbies and interests are further prioritized. Once this process is complete, the information is updated in the database.

[2035] Expense Tracking

[2036] Users enter their daily spending information into the application. For example, they enter a transaction such as "buying coffee at a cafe." This information is sent from the device to the server, which automatically classifies it as a "food and drink" category. The user's emotional state, which accompanies the transaction information, is also analyzed and updated in the database along with the spending information. During this process, if a particular emotion influences spending patterns, this is also retained as data.

[2037] Financial analysis function

[2038] The server retrieves the user's income and expenditure information from the database and analyzes income and expenditure patterns. The emotion engine references the emotional data associated with each transaction to identify unnecessary spending or emotionally driven impulsive spending. For example, it identifies increased spending on food and beverages during periods of high stress. Surplus funds are calculated and updated to the database.

[2039] Budget allocation function

[2040] The user sets a specific goal (e.g., saving $1,000 for a trip). This goal information is sent from the device to the server. The server retrieves surplus funds information from the database and calculates the monthly savings amount based on the goal. The emotion engine takes into account the user's emotional state and allocates the budget to realistically and smoothly achieve the goal. For example, during periods of emotional instability, it also considers budgets that will help reduce stress. This information is updated in the database.

[2041] Simulation Function

[2042] The server retrieves current budget allocation information from the database and simulates future fund allocations. An emotion engine is also incorporated into the simulation, taking into account the impact of the user's emotional state on future fund allocations. For example, different fund allocation scenarios are generated depending on the user's emotional state. The simulation results are generated by the server and sent to the device. The user can view the simulation results in the application.

[2043] Interactive advice feature

[2044] The server retrieves the financial analysis results from the database and generates advice based on the user's goals and financial situation. The emotion engine takes into account the user's emotional state and provides appropriate advice. For example, specific advice such as "reducing your food and beverage expenses by $50 per month will help you save money for travel more quickly" is generated, and the server checks whether the user's emotional state is stress-free. This advice information is sent to the user and displayed on their device.

[2045] User Interface

[2046] The device retrieves the user's financial data from the database and displays it to the user through an intuitive and emotional interface, such as graphs and charts showing the travel fund status, budget allocation, and spending, allowing the user to easily understand their progress.

[2047] Data Security and Privacy

[2048] The server encrypts all data sent and stores the encrypted data securely in the database, minimizing the risk of user data being leaked to third parties and protecting privacy.

[2049] By integrating these functions, the system of the present invention enables users to efficiently manage their funds and make planned investments aimed at their hobbies and goals. In addition, by incorporating an emotion engine, the system provides more personalized advice and plans that take into account the user's emotional state, helping users achieve their goals without stress.

[2050] The processing flow will be explained below.

[2051] User profiling function

[2052] Step 1:

[2053] The user enters their hobbies and interests (e.g., travel) into the application.

[2054] Step 2:

[2055] The terminal receives this input information and sends it to the server.

[2056] Step 3:

[2057] The server retrieves the user data from the database.

[2058] Step 4:

[2059] If the server does not have a user profile in the database, it will initialize new user data.

[2060] Step 5:

[2061] The server collects and prioritizes information about the user's hobbies and interests.

[2062] Step 6:

[2063] The server uses an emotion engine to analyze the user's emotions based on the collected information.

[2064] Step 7:

[2065] The server adjusts the priorities of hobbies and interests based on the analysis results.

[2066] Step 8:

[2067] The server updates the user profile with adjusted priorities to the database.

[2068] Expense Tracking

[2069] Step 1:

[2070] Users enter their daily transactions and expenditures (e.g. buying coffee at a cafe).

[2071] Step 2:

[2072] The terminal receives this information and transmits it to the server.

[2073] Step 3:

[2074] The server automatically categorizes the user's transaction information.

[2075] Step 4:

[2076] The server analyzes the emotion data attached to the transaction information using an emotion engine.

[2077] Step 5:

[2078] The server updates both the transaction information and the emotion data to the database.

[2079] Financial analysis function

[2080] Step 1:

[2081] The server retrieves the user's income information from a database.

[2082] Step 2:

[2083] The server retrieves the user's spending information from a database.

[2084] Step 3:

[2085] The server analyzes your income and spending patterns.

[2086] Step 4:

[2087] The server uses an emotion engine to look at the emotion data associated with each transaction and identify unnecessary spending and emotionally driven impulsive spending.

[2088] Step 5:

[2089] The server calculates the surplus funds (income minus expenses).

[2090] Step 6:

[2091] The server updates this information in a database.

[2092] Budget allocation function

[2093] Step 1:

[2094] The user sets a specific goal (e.g., save $1,000 for a trip).

[2095] Step 2:

[2096] The terminal receives this target information and transmits it to the server.

[2097] Step 3:

[2098] The server retrieves the surplus fund information from the database.

[2099] Step 4:

[2100] The server calculates the optimal budget based on the user's goals.

[2101] Step 5:

[2102] The server utilizes an emotion engine to adjust budget allocation based on the user's emotional state.

[2103] Step 6:

[2104] The server updates the calculated budget allocation to the database.

[2105] Simulation Function

[2106] Step 1:

[2107] The server retrieves the current budget allocation information from the database.

[2108] Step 2:

[2109] The server simulates future funding scenarios.

[2110] Step 3:

[2111] The server uses an emotion engine to generate different fund allocation scenarios based on emotional states.

[2112] Step 4:

[2113] The server generates the simulation results.

[2114] Step 5:

[2115] The server transmits the simulation results to the terminal.

[2116] Interactive advice feature

[2117] Step 1:

[2118] The server retrieves the financial analysis results from the database.

[2119] Step 2:

[2120] The server generates advice based on the user's goals and financial situation.

[2121] Step 3:

[2122] The server uses an emotion engine to tailor the advice content based on the user's emotional state.

[2123] Step 4:

[2124] The server sends advice information to the user.

[2125] User Interface

[2126] Step 1:

[2127] The device retrieves the user's financial data from a database.

[2128] Step 2:

[2129] The device displays data in an intuitive and emotionally sensitive user interface.

[2130] Data Security and Privacy

[2131] Step 1:

[2132] The server encrypts the transmitted data.

[2133] Step 2:

[2134] The server stores the encrypted data in a database.

[2135] Example 2

[2136] 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."

[2137] In modern household management and financial planning, users often find it difficult to allocate funds efficiently based on their hobbies and interests, and are unable to consider the impact of their emotional state on spending and budget allocation, resulting in incomplete planning and ineffective financial management.

[2138] The identification process by the identification processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means. In this invention, the server includes a means for a user to input hobbies and interests, a means for transmitting the information to the server, a means for acquiring user data from a database, a means for using an emotion engine to analyze the acquired user data, a means for prioritizing the analyzed information, a means for updating the prioritized information in the database, a means for receiving and automatically categorizing user transaction information, a means for using an emotion engine to analyze an emotion state related to the transaction information, a means for updating the information in the database, a means for acquiring user income information and expenditure information from the database, a means for calculating surplus funds based on the acquired income information and expenditure information, and a means for updating the calculated surplus funds in the database. The system includes a means for updating the database, a means for calculating a budget based on a user's goals, a means for using an emotion engine to calculate a budget taking into account the user's emotional state, a means for updating the calculated budget to the database, a means for simulating future fund allocations, a means for simulating future fund allocations using the emotion engine, a means for generating simulation results, a means for transmitting the generated results to a terminal, a means for generating advice based on the user's goals and financial situation, a means for using the emotion engine to take into account the user's emotional state when generating advice, a means for transmitting advice information to the user, a means for encrypting data, and a means for storing the encrypted data in a database. This enables efficient fund allocation according to the user's hobbies and interests, and realizes planned fund management taking into account the user's emotional state.

[2139] A "User" is an individual or their representative who uses the System and enters information such as hobbies, interests, and spending information.

[2140] A "terminal" is an electronic device used by a user to input information and communicate with a server. Examples include smartphones, tablets, and personal computers.

[2141] "Server" means a centralized computer system that receives, stores, and processes information submitted by users.

[2142] A "database" is a collection of data that is acquired and managed by a server, and includes various types of information such as user data, income information, and expenditure information.

[2143] The "emotion engine" is an algorithm that analyzes user input and transaction information, determines their emotional state, and performs analysis based on that.

[2144] "Hobbies and interests" are activities and concerns that users engage in based on their own enjoyment and interest, and are the subject of planning.

[2145] "Transaction information" refers to records of expenditures made by a user in their daily lives, including, for example, purchase history and payment information.

[2146] "Expense information" is data regarding the amount and content of expenditures made by a user.

[2147] "Income Information" means data regarding the income earned by a User and its breakdown.

[2148] "Surplus funds" is the amount of money remaining unused by the user, calculated based on income and expenditure information.

[2149] A "budget" is a financial allocation that a user plans to achieve a specific goal.

[2150] "Simulation" is the process of virtually calculating future funding allocations and budget situations.

[2151] "Advice" is the process of suggesting optimal actions or ways to reduce spending based on the user's goals, financial situation, and emotional state.

[2152] "Encryption" is the process of converting data into a form that cannot be deciphered by third parties, a process that protects privacy and security.

[2153] The system of the present invention is a planning AI household account book that allows users to efficiently allocate funds to their hobbies and interests, and is combined with an emotion engine. Specific embodiments for carrying out the invention are described below.

[2154] Hardware and Software Configuration

[2155] User device:

[2156] The user terminal is an electronic device such as a smartphone, tablet, or PC that runs the application, allowing the user to input information such as hobbies, interests, and spending information and communicate with the server.

[2157] server:

[2158] The server acts as a central location for receiving, storing, and processing information sent by users. The server contains a database management system (DBMS) and an emotion engine.

[2159] Database:

[2160] The database is used to store and manage user profile information, income information, expenditure information, emotional information, etc.

[2161] Emotion Engine:

[2162] The emotion engine is an algorithm that analyzes user input and transaction information to determine the user's emotional state. This engine is implemented on the server and is used for data analysis. ...

Claims

1. a means for users to input their hobbies and interests; means for transmitting the information to a server; A means of retrieving user data from the database; and a means for analyzing the obtained user data and updating the database with prioritized information; a means for receiving and automatically categorizing user transaction information; a means of updating that information into a database; means for obtaining user income and expenditure information from a database; means for calculating surplus funds based on the acquired income and expenditure information; a means for updating the calculated surplus funds in a database; A means of calculating a budget based on the user's goals; a means for updating the calculated budget into a database; A means of simulating future capital allocations; means for generating simulation results; means for transmitting the generated results to a server; a means for generating advice based on a user's goals and financial situation; means for transmitting advice information to the user; a means for encrypting the data; a means for storing the encrypted data in a database; A system including:

2. 2. The system according to claim 1, further comprising means for prioritizing and creating a new user profile based on the transmitted user information.

3. 2. The system according to claim 1, further comprising means for intuitively displaying the user's progress in achieving the goal.

Images