system

Abstract

Provide a system. [Solution] means for generating investment advice based on the user's investment goals, risk tolerance, and investment experience; We provide interactive learning tools that allow users to learn step-by-step from the basics to advanced applications of investing. A means to create an automated investment plan based on the user's goals and automatically adjust and rebalance the portfolio; A means to provide a community forum where investors of the same level can exchange information, A system including:

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 asset management support systems lack adequate support for beginners in asset management, particularly in terms of individual advice tailored to investment goals, interactive learning tools, and automated investment planning functions, making it difficult for beginners to learn about and practice asset management with confidence. [Means for solving the problem]

[0005] The present invention provides a system that includes a means for generating investment advice based on a user's investment goals, risk tolerance, and investment experience, a means for providing interactive learning tools that allow users to learn investment from the basics to advanced applications in a step-by-step manner, a means for creating an automatic investment plan based on the user's goals and for automatically adjusting and rebalancing the portfolio, and a means for providing a community forum where users can exchange information with investors at the same level, thereby creating an environment in which even beginners can easily participate in asset management safely and transparently.

[0006] "User" means any individual or entity that uses the System to learn about investing and receive investment advice and plans.

[0007] "Investment goal" refers to the specific goal (amount, period, etc.) that a user wants to achieve in asset management.

[0008] "Risk tolerance" is an indicator that indicates how much risk a user can accept in an investment.

[0009] "Investment experience" refers to the investment knowledge and achievements that a user has accumulated up to now.

[0010] "Investment Advice" means specific investment recommendations or advice provided based on a User's investment goals and profile.

[0011] "Individual counseling" refers to individual consultations and advice provided to each user by investment experts or AI.

[0012] An "interactive learning tool" is an interactive program that allows users to learn investment knowledge through games and quizzes.

[0013] An "automated investment plan" is an investment plan generated by AI based on the user's investment goals and automatically adjusted periodically.

[0014] A "portfolio" is a collection of multiple investment products owned by a user.

[0015] "Automatic adjustment" refers to the process of automatically changing the composition of a portfolio based on market data and the user's investment goals.

[0016] "Rebalancing" refers to adjusting asset allocations periodically to optimize the balance of risk and return in a portfolio.

[0017] A "community forum" is an online platform where investors of the same level can exchange information and seek advice. [Brief explanation of the drawings]

[0018] [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

[0019] 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.

[0020] First, the terms used in the following description will be explained.

[0021] 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).

[0022] 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.

[0023] 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.

[0024] 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.

[0025] 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."

[0026] [First embodiment]

[0027] FIG. 1 shows an example of the configuration of a data processing system 10 according to the first embodiment.

[0028] 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.

[0029] 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).

[0030] 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.

[0031] 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.

[0032] 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.

[0033] 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.

[0034] FIG. 2 shows an example of the main functions of the data processing device 12 and the smart device 14.

[0035] 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.

[0036] 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.

[0037] 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.

[0038] 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."

[0039] This invention provides a comprehensive system to assist beginners in asset management, specifically designed to enable beginners to safely and effectively learn and practice investing. The system consists of four main functions: personalized investment advice based on user profiles, interactive learning tools, an automated investment planner, and a community forum.

[0040] Creating and managing user profiles

[0041] The server generates a user profile based on the basic information entered by the user (such as name, email address, investment experience, and risk tolerance) and stores it in a database. This profile is used to generate investment goals and advice, customize learning content, and adjust the automated investment planner.

[0042] Personalized Investment Advice

[0043] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI to generate individual investment advice based on the user's profile and investment goals. The generated advice is then displayed to the user through their device. For example, a user with a medium risk tolerance may be offered a balanced portfolio with a diverse asset allocation.

[0044] Interactive Learning Tools

[0045] If a user wants to learn about asset management, they select an interactive learning tool (such as a game or quiz) provided through their device. The device sends the selection information to the server, which then generates the corresponding learning content and sends it to the device. The content also includes investment simulations using real-time market data. For example, if a user selects "The Basics of Stock Investment," they can learn by following a scenario using historical stock market data.

[0046] Automated Investment Planner

[0047] When a user wishes to create an investment plan, they enter their investment goals and risk profile in detail through their device. The device then sends the configuration information to the server, which then uses AI to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio to help users achieve their goals. For example, an investment plan is generated that requires users to save a fixed amount each month, and asset allocation is automatically adjusted based on that.

[0048] Community Forum

[0049] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on the device. Users can post questions or information and receive feedback from other investors and experts. For example, if a user posts "I'm looking for opinions on recent market trends," comments from other users and experts will be displayed in real time.

[0050] Specific examples

[0051] Specific usage scenarios include:

[0052] 1. User registration and profile creation

[0053] User: A beginner who is interested in investing registers by entering the necessary information into the system.

[0054] Terminal: Sends registration information to the server.

[0055] Server: Generates user profiles and stores them in a database.

[0056] 2. Receive personalized investment advice

[0057] Users: Set investment goals and request advice.

[0058] Terminal: Sends investment goals to the server.

[0059] Server: Generates investment advice and sends it to the terminal.

[0060] Terminal: Display the advice in the user interface.

[0061] 3. Use of interactive learning tools

[0062] Users: Select a learning tool to get started.

[0063] Terminal: Sends selection information to the server, receives learning content, and displays it.

[0064] Server: Generates learning content using real-time market data.

[0065] 4. Create and execute automated investment plans

[0066] Users: Set investment goals and risk profile.

[0067] Terminal: Sends configuration information to the server.

[0068] Server: Generates an automatic investment plan and sends it to the device.

[0069] Terminal: The investment plan is displayed and approved by the user.

[0070] 5. Participate in community forums

[0071] Users: Access the forum and exchange information.

[0072] Terminal: View the latest forum updates.

[0073] Server: Processes the posted content and notifies other users.

[0074] This system allows even those new to asset management to learn efficiently while receiving support in their investment practices, and guarantees safety and transparency.

[0075] The processing flow will be explained below.

[0076] Personalized Investment Advice

[0077] Step 1: User Input

[0078] User: Enter basic information (name, email address, investment experience, risk tolerance, etc.).

[0079] Terminal: Sends input data to the server.

[0080] Step 2: Generate a profile

[0081] Server: Generates a user profile based on the received data and stores it in a database.

[0082] Step 3: Set your investment goals

[0083] User: Set specific investment goals (amount, period, etc.).

[0084] Terminal: Sends configuration information to the server.

[0085] Step 4: Investment advice generation

[0086] Server: AI generates optimal investment advice based on user profile and investment goals.

[0087] Terminal: The advice content is displayed on the user interface.

[0088] User: Review the advice provided.

[0089] Interactive Learning Tools

[0090] Step 1: Select a learning tool

[0091] User: Selects learning tools (games and quizzes) available on the device.

[0092] Terminal: Sends the selection information to the server.

[0093] Step 2: Provide learning content

[0094] Server: Generates content corresponding to the selected learning tool and transmits it to the terminal.

[0095] Terminal: Displays learning content (quizzes and game screens) to the user.

[0096] User: Answer quizzes and progress through games.

[0097] Step 3: Provide feedback

[0098] Terminal: Sends the user's answers and operations to the server.

[0099] Server: Analyzes the received data and generates correct answers and explanations.

[0100] Terminal: Display feedback in the user interface.

[0101] User: Review the feedback and retrain if necessary.

[0102] Automated Investment Planner

[0103] Step 1: Set your investment goals and risk profile

[0104] Users: Set detailed investment goals and risk profiles.

[0105] Terminal: Sends configuration information to the server.

[0106] Step 2: Create an automated investment plan

[0107] Server: Based on the received investment goals and risk profile, the AI ​​generates an optimal investment plan.

[0108] Terminal: Displays the generated investment plan in a user interface.

[0109] User: Review the investment plan and make any necessary amendments or approvals.

[0110] Step 3: Automatically adjust and rebalance your portfolio

[0111] Server: Periodically collects market data and optimizes users' portfolios.

[0112] Terminal: Displays the latest portfolio status in the user interface.

[0113] User: Check the progress of their portfolio and set up additional investments from their device.

[0114] Community Forum

[0115] Step 1: Visit the community forums

[0116] Users: Access community forums from their devices.

[0117] Terminal: Retrieves the latest forum posting information from the server and displays it.

[0118] Step 2: New Post

[0119] Users: Post new questions or information to the forum.

[0120] Terminal: Sends the posted content to the server.

[0121] Server: Stores the post in a database and distributes it to other users.

[0122] Step 3: Real-time communication

[0123] Server: Processes new forum posts and comments in real time and notifies relevant users.

[0124] Terminal: Display new comments and feedback in the user interface.

[0125] Users: Exchange information with other users in real time.

[0126] Example 1

[0127] 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."

[0128] Traditional asset management systems were complex and difficult for beginners to understand, and they lacked risk management and learning support. They also lacked personalized advice and automated investment plans based on investment goals, making it difficult to effectively manage assets. Another issue was the lack of a community forum where investors could exchange information with others at the same level.

[0129] 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.

[0130] In this invention, the server includes: means for generating investment advice based on a user's investment goals, risk tolerance, and investment experience; means for generating a user profile based on basic information entered by the user and saving the profile in a database; means for providing interactive learning tools that allow users to learn investment from the basics to advanced applications step by step; means for creating an automatic investment plan based on the user's goals and for automatically adjusting and rebalancing the portfolio using AI; means for displaying advice generated based on the user profile and investment goals on a terminal; means for providing a community forum where investors at the same level can exchange information; and means for performing investment simulations using real-time market data, thereby enabling even beginners to manage their assets safely and effectively.

[0131] An "investment goal" is a goal that sets a specific amount and period that a user wants to achieve through asset management.

[0132] "Risk tolerance" is an indicator that indicates the degree of risk a user can accept in an investment.

[0133] "Investment experience" indicates the level of investment activities and knowledge that the user has had in the past.

[0134] "Investment Advice" means advice regarding optimal investment strategies and asset allocations based on a User's profile and investment goals.

[0135] "Interactive learning tools" are educational content in the form of games or quizzes that enhance learning through user participation.

[0136] A "user profile" is a collection of data generated based on basic information entered by a user into the system, and reflects the characteristics of each individual user.

[0137] An "automated investment plan" is an investment plan that is automatically created using AI based on the user's investment goals and risk profile.

[0138] "Automatic Portfolio Adjustments" are adjustments made automatically to optimize asset allocation within a user's portfolio based on market data.

[0139] "Rebalancing" is the process of adjusting the asset allocation within a portfolio to return it to the optimal balance when it deviates from the optimal balance.

[0140] A "Community Forum" is an online platform for like-minded investors to exchange information and ask questions.

[0141] "Real-time market data" means up-to-date financial data that reflects current market conditions.

[0142] "Investment simulation" is a method of simulating investment results using past or predicted market data.

[0143] "AI" stands for artificial intelligence technology, a system that makes advanced judgments and predictions through machine learning and data analysis.

[0144] A "server" is a computer system used to process requests and manage data over a network.

[0145] A "terminal" is a device such as a computer or smartphone that a user uses to perform operations.

[0146] This invention is a comprehensive system to support beginners in asset management, specifically designed to enable even beginners to learn and practice investing safely and effectively. This system consists of four main functions: personalized investment advice based on user profiles, interactive learning tools, an automated investment planner, and a community forum. Each function is explained in detail below.

[0147] Creating and managing user profiles

[0148] Users access the system using a terminal and enter basic information such as their name, email address, investment experience, and risk tolerance. The terminal sends this information to the server, which stores it in a database (e.g., MySQL (registered trademark)). The server generates a user profile based on the received information. This profile is used to generate investment goals and advice, customize learning content, and adjust the automated investment planner.

[0149] Personalized Investment Advice

[0150] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI (generative AI model) to generate individual investment advice based on the user's profile and investment goals. The generated advice is then displayed to the user through their device. For example, a user with a medium risk tolerance may be offered a balanced portfolio with a diverse asset allocation.

[0151] Interactive Learning Tools

[0152] If a user wants to learn about asset management, they select an interactive learning tool (such as a game or quiz) provided through their device. The device sends the selection information to the server, which then generates the corresponding learning content and sends it to the device. The content also includes investment simulations using real-time market data. For example, if a user selects "The Basics of Stock Investment," they can learn by following a scenario using historical stock market data.

[0153] Automated Investment Planner

[0154] When a user wishes to create an investment plan, they enter their investment goals and risk profile in detail through their device. The device then sends the configuration information to a server, which then uses AI (generative AI models) to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio to help users achieve their goals. For example, an investment plan is generated that requires users to save a fixed amount each month, and asset allocation is automatically adjusted based on that plan.

[0155] Community Forum

[0156] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on the device. Users can post questions or information and receive feedback from other investors and experts. For example, if a user posts "I'm looking for opinions on recent market trends," comments from other users and experts will be displayed in real time.

[0157] Prompt Sentence Examples

[0158] Below are some examples of prompts for this system:

[0159] User registration and profile creation

[0160] "My name is Taro Yamada, my email address is taro_yamada@example.com, my investment experience is beginner, and my risk tolerance is moderate. Please generate a user profile using this information."

[0161] Receive personalized investment advice

[0162] "What investment advice would you give me to aim for 1 million yen in 5 years?"

[0163] Use of interactive learning tools

[0164] "I'd like to learn the basics of stock investing. Please provide me with the appropriate learning tools."

[0165] Create and execute automated investment plans

[0166] "Create an investment plan to save 10,000 yen a month."

[0167] Community Forum Participation

[0168] "I'm looking for your opinion on recent market trends. Please post in the forum."

[0169] This system allows even those new to asset management to learn efficiently while receiving support in their investment practices, and guarantees safety and transparency.

[0170] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0171] Creating and managing user profiles

[0172] Step 1: Enter your user registration information

[0173] Users log in to the system using a terminal and enter basic information such as their name, email address, investment experience, risk tolerance, etc. This becomes the input data.

[0174] Specific actions

[0175] The user fills in the required information on the registration form.

[0176] The terminal validates the input in real time and formats it appropriately.

[0177] Input: Name, email address, investment experience, risk tolerance

[0178] Output: Formatted user information data

[0179] Step 2: Submit your input

[0180] The terminal transmits the input information to the server.

[0181] Specific actions

[0182] The terminal encodes the input information in JSON format and sends it to the server via the HTTPS protocol.

[0183] Input: Formatted user information data

[0184] Output: JSON data sent to the server

[0185] Step 3: Create and save a user profile

[0186] The server generates a user profile based on the received information and stores it in a database.

[0187] Specific actions

[0188] The server decodes the received data, performs data analysis, and then generates a user profile.

[0189] The server stores the generated user profile in a database (e.g. MySQL).

[0190] Input: Received JSON data

[0191] Output: User profile stored in the database

[0192] Personalized Investment Advice

[0193] Step 1: Set your investment goals

[0194] The user sets his or her investment goals (amount, period, etc.) through the terminal.

[0195] Specific actions

[0196] The user enters investment goal information into the goal setting form.

[0197] The terminal validates the input and formats it appropriately.

[0198] Input: Investment goal (amount, period)

[0199] Output: Formatted investment goal data

[0200] Step 2: Sending configuration information

[0201] The terminal transmits the set investment target information to the server.

[0202] Specific actions

[0203] The terminal encodes the investment target information in JSON format and sends it to the server.

[0204] Input: Formatted investment goal data

[0205] Output: JSON data sent to the server

[0206] Step 3: Generate investment advice

[0207] The server uses AI (generative AI model) to generate investment advice based on the user profile and investment goals.

[0208] Specific actions

[0209] The server analyzes user profile and investment goal data and uses generative AI models to generate personalized investment advice.

[0210] Input: User profile data, investment goal data

[0211] Output: Generated investment advice data

[0212] Step 4: Providing advice

[0213] The terminal displays the received investment advice to the user.

[0214] Specific actions

[0215] The terminal decodes the advice data received from the server and displays it to the user in a visually easy-to-understand format.

[0216] Input: Generated investment advice data

[0217] Output: Investment advice displayed to the user

[0218] Interactive Learning Tools

[0219] Step 1: Choose a learning tool

[0220] The user uses the terminal to select the content they want to learn.

[0221] Specific actions

[0222] The user selects something from the list of learning tools, such as "Stock Investing Basics."

[0223] The terminal confirms the selection information and sends it to the server.

[0224] Input: Selected Study Tool

[0225] Output: Selection information to send to the server

[0226] Step 2: Generate learning content

[0227] The server generates learning content based on the content selected by the user.

[0228] Specific actions

[0229] A server collects market data related to the selected learning tool and generates a learning scenario.

[0230] Input: Selection information

[0231] Output: Generated learning content

[0232] Step 3: View learning content

[0233] The terminal displays the received study content to the user.

[0234] Specific actions

[0235] The terminal analyzes the learning content data received from the server and displays it to the user via the learning interface.

[0236] Input: Generated learning content

[0237] Output: The learning content that is displayed to the user

[0238] Automated Investment Planner

[0239] Step 1: Set up your investment plan

[0240] Users enter detailed investment goals and risk profiles.

[0241] Specific actions

[0242] The user enters the monthly savings amount, investment period, and risk tolerance.

[0243] The terminal sends the input information to the server.

[0244] Inputs: Investment Objectives, Risk Profile

[0245] Output: Formatted investment plan data

[0246] Step 2: Sending configuration information

[0247] The terminal transmits the set investment plan information to the server.

[0248] Specific actions

[0249] The terminal encodes the investment plan information in JSON format and sends it to the server.

[0250] Input: Formatted investment plan data

[0251] Output: JSON data sent to the server

[0252] Step 3: Generate an investment plan

[0253] The server uses AI (generative AI model) to generate an automated investment plan.

[0254] Specific actions

[0255] The server analyzes the input information and generates an automated investment plan.

[0256] Input: Input investment plan data

[0257] Output: Generated automated investment plan data

[0258] Step 4: Adjust your investment plan

[0259] The terminal displays the generated investment plan to the user for approval.

[0260] Specific actions

[0261] The terminal visually presents the plan and awaits the user's approval.

[0262] Input: Generated investment plan data

[0263] Output: Approved investment plan

[0264] Community Forum

[0265] Step 1: Access the forum

[0266] A user accesses a community forum using a terminal.

[0267] Specific actions

[0268] A user accesses the community forum by clicking on the icon.

[0269] The device retrieves and displays the latest information from the forum.

[0270] Input: Forum Access Request

[0271] Output: The most recent forum information displayed

[0272] Step 2: Create a Post

[0273] Users post questions and opinions.

[0274] Specific actions

[0275] The user enters the content of the post (e.g., "Seeking opinions on recent market trends") and presses the send button.

[0276] The device sends the post content to the server.

[0277] Input: Post content

[0278] Output: Post content sent to the server

[0279] Step 3: View your feedback

[0280] The server updates the content of the forum and notifies the user.

[0281] Specific actions

[0282] The server receives the posts and shares them within the community.

[0283] The device displays feedback to the user.

[0284] Input: Post content received by the server

[0285] Output: Feedback that is displayed to the user

[0286] The detailed processing steps described above enable even beginners in asset management to learn efficiently while also being supported in the practice of investment, and guarantee safety and transparency.

[0287] (Application example 1)

[0288] 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."

[0289] Beginners to asset management lack knowledge and experience in investing, making it difficult to manage their assets safely and effectively. Furthermore, existing investment support systems provide separate investment advice and learning tools, and do not provide an environment where users can use these tools comprehensively. Furthermore, the lack of virtual investment simulations and investment plans based on real-time data makes it difficult for users to learn about and practice investing with confidence.

[0290] 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.

[0291] In this invention, the server includes: means for generating investment advice based on a user's investment goals, risk tolerance, and investment experience; means for providing interactive learning tools that allow users to learn investment from the basics to advanced applications step by step; means for creating an automatic investment plan based on the user's goals and automatically adjusting and rebalancing the portfolio; means for providing a community forum where users can exchange information with investors at the same level; means for conducting investment simulations in a virtual space that allow users to visually experience investment plans; and means for generating and managing a user profile on a smartphone and displaying personalized investment advice in real time according to the user's investment goals and risk tolerance. This makes it possible to provide an environment in which even beginners in asset management can learn about and practice investing in a comprehensive and safe manner.

[0292] A "user profile" is a collection of data such as a user's basic information, investment experience, risk tolerance, and investment goals.

[0293] "Investment advice" refers to specific asset management suggestions provided based on a user's investment goals and risk tolerance.

[0294] "Interactive learning tools" are features that allow users to learn investment knowledge and skills in the form of games and quizzes.

[0295] An "automated investment plan" is an investment plan created using AI based on a user's goals and risk profile, including automatic portfolio adjustments and rebalancing.

[0296] A "community forum" is an online platform for like-minded investors to exchange information.

[0297] A "virtual space" is a digital simulation space where users can conduct investment simulations in a realistic environment.

[0298] A "smartphone" is a mobile terminal for communication and information processing, and is a device on which applications are installed and used.

[0299] "Real-time" means that processing and data delivery occurs immediately in actual time.

[0300] "Investment Simulation" is a function that uses past market data and other information to virtually predict investment results while learning and planning.

[0301] This invention provides a system for supporting beginners in asset management, and in particular includes a function for conducting investment simulations using a virtual space and a function for displaying real-time investment advice on a smartphone.

[0302] First, a user uses their smartphone to enter basic information (e.g., name, email address, investment experience, risk tolerance, etc.) to create a user profile. This information is sent from the smartphone to a server and stored in a database. This user profile is used to provide personalized investment advice based on investment goals and risk tolerance, provide interactive learning tools, and adjust automated investment plans.

[0303] When a user wants investment advice, they set their investment goals (amount, period, etc.) on their smartphone and send it to the server. The server then generates AI-powered investment advice based on the user's profile and investment goals and sends it to the smartphone. This allows the user to receive personalized investment advice in real time.

[0304] Furthermore, users can learn about investing using learning tools. They select a learning tool (e.g., a game or quiz) on their smartphone and send the selection information to the server. The server then sends learning content generated using real-time market data to the smartphone, allowing users to learn interactively.

[0305] When a user wants to create an automated investment plan, they use their smartphone to set up their investment goals and risk profile in detail, then send the settings to the server. The server then uses AI to generate an automated investment plan and sends it to the smartphone. This plan also includes a function to automatically adjust and rebalance the portfolio, helping the user achieve their investment goals.

[0306] Users can also access a community forum to exchange information with other investors. The server retrieves the latest information from the forum and displays it on their smartphone, providing an environment where users can post questions and information and receive feedback.

[0307] It also allows users to simulate investment results in a virtual space using a smartphone or head-mounted display in a realistic environment, allowing them to visually experience investment plans and learn about investing in a more realistic way.

[0308] The system's program consists of a backend server using Python and Django, an AI model using TENSORFLOW (registered trademark) or PyTorch, a database using MySQL or PostgreSQL, and a smartphone application using React Native.

[0309] Examples of concrete examples and prompts

[0310] For example, consider a scenario in which a new user registers with an app to obtain investment advice. The user enters basic information into the app to create a profile, then sets investment goals and receives personalized investment advice from the server, including portfolio suggestions based on the user's risk tolerance.

[0311] Example prompt sentence:

[0312] "Implement a scenario where a new user registers with the app and gets investment advice based on the user's risk tolerance."

[0313] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0314] Step 1:

[0315] The user enters basic information on their smartphone to create a user profile.

[0316] Input: User's basic information (name, email address, investment experience, risk tolerance, etc.)

[0317] Processing: The terminal collects basic information about the user and structures the input data.

[0318] Output: Request data to send to the server based on the input data.

[0319] Step 2:

[0320] The server generates a user profile based on the received basic information of the user and stores it in a database.

[0321] Input: Basic user information sent from the smartphone

[0322] Processing: The server stores the received data in a database and generates a user profile.

[0323] Output: Stored user profile data, which is used in further processing.

[0324] Step 3:

[0325] Users set investment goals and request personalized investment advice from their smartphones.

[0326] Input: User's investment goal (target amount, target period, etc.)

[0327] Processing: The terminal receives the investment objectives input by the user and generates request data to be sent to the server.

[0328] Output: Sends the request data to the server.

[0329] Step 4:

[0330] The server uses AI models to generate investment advice based on the user profile and investment goals.

[0331] Input: User profile data, investment goals

[0332] Processing: The server inputs this data into an AI model to generate investment advice based on risk tolerance and investment experience. Specifically, the model, trained using TensorFlow and PyTorch, suggests optimal investment portfolios.

[0333] Output: Generated personalized investment advice.

[0334] Step 5:

[0335] The device displays personalized investment advice.

[0336] Input: Investment advice received from the server

[0337] Processing: The terminal displays the received advice in a format suitable for the user interface, for example, as a list of recommended investment products and asset allocation details.

[0338] Output: Visually easy-to-understand display of investment advice for the user.

[0339] Step 6:

[0340] Users select learning tools and learn interactively.

[0341] Input: User's study tool selection (study topic, quiz, game, etc.)

[0342] Processing: The device sends the user's selection information to the server, which then generates corresponding learning content and sends it to the device.

[0343] Output: Content that users can use to learn using the learning tools.

[0344] Step 7:

[0345] A server generates learning content using real-time market data.

[0346] Input: Study topics, real-time market data

[0347] Processing: The server collects real-time market data and generates relevant learning scenarios, such as investment scenarios using historical market data, and provides them to users as learning tools.

[0348] Output: Learning content including learning scenarios.

[0349] Step 8:

[0350] Users create and run automated investment plans.

[0351] Input: User's detailed investment goals, risk profile

[0352] Processing: The device sends the user's detailed configuration information to the server, which then uses AI to generate an automated investment plan. The plan periodically collects market data and automatically adjusts and rebalances the portfolio.

[0353] Output: Automated investment plan and execution.

[0354] Step 9:

[0355] Users access community forums and exchange information.

[0356] Input: User forum access requests, posts, and questions

[0357] Processing: The server retrieves the latest information from the forum and sends it to the terminal. Users can receive real-time feedback through an interface to exchange information with other investors.

[0358] Output: Forum updates, posts, and feedback.

[0359] 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.

[0360] This invention combines an emotion engine with a comprehensive system to assist beginners in asset management, providing advanced support based on the user's emotional state. The system consists of five main functions: personalized investment advice based on user profiles, an interactive learning tool, an automated investment planner, a community forum, and an emotion engine.

[0361] Creating and managing user profiles

[0362] The server generates a user profile based on the basic information entered by the user (such as name, email address, investment experience, and risk tolerance) and stores it in a database. This profile is used to generate investment goals and advice, customize learning content, adjust the automated investment planner, and perform analysis using the sentiment engine.

[0363] Personalized Investment Advice

[0364] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI to generate individual investment advice based on the user's profile and investment goals. During this process, the server uses an emotion engine to analyze the user's emotional state and provides advice adapted to that state. The generated advice is then displayed to the user through their device. For example, if the server detects that the user is feeling stressed, it will suggest low-risk investment products.

[0365] Interactive Learning Tools

[0366] When a user wants to learn about asset management, they select an interactive learning tool (such as a game or quiz) provided through their device. The device sends the selection information to the server, which then generates corresponding learning content and sends it to the device. The server recognizes the user's emotional state in real time while learning and customizes the learning content. For example, if the server recognizes that the user is tired, it switches to simple quiz-style content.

[0367] Automated Investment Planner

[0368] When a user wishes to create an investment plan, they enter their investment goals and risk profile in detail through their device. The device then sends the configuration information to the server, which then uses AI to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio to help the user achieve their goals. The server also adjusts the plan based on the user's emotional state. For example, if the user feels anxious, it will make adjustments to reduce risk.

[0369] Community Forum

[0370] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on their device. Users can post questions or information and receive feedback from other investors and experts. During this process, the server uses an emotion engine to analyze the tone and emotional state of the post and recommend experts who will provide appropriate feedback.

[0371] Implementing the Emotion Engine

[0372] The emotion engine has the ability to recognize the user's emotional state in real time by analyzing their voice, facial expressions, text input, etc. The server collects this data and uses the emotion engine to identify the user's emotional state. This information is reflected in the provision of various services (investment advice, learning tools, automated investment planner, community forum).

[0373] Specific examples

[0374] Specific usage scenarios include:

[0375] 1. User registration and profile creation

[0376] User: A beginner who is interested in investing registers by entering the necessary information into the system.

[0377] Terminal: Sends registration information to the server.

[0378] Server: Generates user profiles and stores them in a database.

[0379] 2. Receive personalized investment advice

[0380] Users: Set investment goals and request advice.

[0381] Terminal: Sends investment goals to the server.

[0382] Server: When generating investment advice, the emotion engine analyzes the user's emotions and provides appropriate advice.

[0383] Terminal: Display the advice in the user interface.

[0384] 3. Use of interactive learning tools

[0385] Users: Select a learning tool to get started.

[0386] Terminal: Sends selection information to the server, receives learning content, and displays it.

[0387] Server: Recognizes user emotions in real time and customizes learning content.

[0388] 4. Create and execute automated investment plans

[0389] Users: Set investment goals and risk profile.

[0390] Terminal: Sends configuration information to the server.

[0391] Server: Generates an automated investment plan and makes adjustments taking into account the user's emotional state.

[0392] Terminal: The investment plan is displayed and approved by the user.

[0393] 5. Participate in community forums

[0394] Users: Access the forum and exchange information.

[0395] Terminal: View the latest forum updates.

[0396] Server: Analyzes posts using a sentiment engine and provides appropriate comments and feedback.

[0397] This system allows even beginners to asset management to learn efficiently while being supported in their investment practices, and the emotional engine takes the user's emotional state into consideration, creating an environment where users can use the system with greater peace of mind.

[0398] The processing flow will be explained below.

[0399] User profile creation and management

[0400] Step 1: Enter your user registration information

[0401] User: Enter basic information (name, email address, investment experience, risk tolerance).

[0402] Terminal: Sends the entered information to the server.

[0403] Step 2: Create a user profile

[0404] Server: Generates a user profile based on the received information and stores it in a database.

[0405] Personalized Investment Advice

[0406] Step 1: Set your investment goals

[0407] User: Set specific investment goals (amount, period) through the terminal.

[0408] Terminal: Sends configuration information to the server.

[0409] Step 2: Generate investment advice

[0410] Server: AI generates optimal investment advice based on user profile and investment goals.

[0411] Server: Further analyzes the user's current emotional state using an emotion engine.

[0412] Server: Adjusts investment risk and advice content according to emotional state.

[0413] Step 3: Providing investment advice

[0414] Server: Generates optimized investment advice and sends it to the terminal.

[0415] Terminal: The advice content is displayed on the user interface.

[0416] User: Review the advice provided.

[0417] Interactive Learning Tools

[0418] Step 1: Choose a learning tool

[0419] User: Selects learning tools (games and quizzes) available through the device.

[0420] Terminal: Sends the selection information to the server.

[0421] Step 2: Provide learning content

[0422] Server: Generates content corresponding to the selected learning tool.

[0423] Server: Uses an emotion engine to recognize the user's emotional state in real time and provide appropriate content.

[0424] Device: Displays learning content (quizzes and game screens).

[0425] User: Answer quizzes and progress through games.

[0426] Step 3: Provide feedback

[0427] Terminal: Sends all user responses and operation data to the server.

[0428] Server: Based on the analysis results, generate the accuracy rate and explanation for each user in real time.

[0429] Terminal: Display feedback in the user interface.

[0430] Users: Review the feedback and retrain as needed.

[0431] Automated Investment Planner

[0432] Step 1: Set your investment goals and risk profile

[0433] Users: Define their investment goals and risk profile in detail.

[0434] Terminal: Sends configuration information to the server.

[0435] Step 2: Create an automated investment plan

[0436] Server: Based on the received investment goals and risk profile, the AI ​​generates an optimal investment plan.

[0437] Server: Uses an emotion engine to make adjustments that take into account the user's emotional state.

[0438] Terminal: Displays the generated investment plan in a user interface.

[0439] User: Review the investment plan and make any necessary amendments or approvals.

[0440] Step 3: Automatically adjust and rebalance your portfolio

[0441] Server: Periodically collects market data and optimizes users' portfolios.

[0442] Server: Uses the emotion engine to make adjustments based on the user's emotional state.

[0443] Terminal: Displays the latest portfolio status in the user interface.

[0444] User: Check the progress of the portfolio and make additional investments if necessary.

[0445] Community Forum

[0446] Step 1: Visit the community forums

[0447] Users: Access community forums from their devices.

[0448] On your device: Retrieve the latest forum postings from the server and display them.

[0449] Step 2: Create a new post

[0450] Users: Post new questions or information to the forum.

[0451] Terminal: Sends the posted content to the server.

[0452] Step 3: Post analysis and notifications

[0453] Server: Saves the posted content in a database and notifies other users.

[0454] Server: Uses a sentiment engine to analyze the tone and emotional state of posts.

[0455] On the device: Provide appropriate feedback and comments based on the analysis results.

[0456] Implementing the Emotion Engine

[0457] Step 1: Collecting emotion data

[0458] Terminal: Collects emotional data such as voice, facial expressions, and text input.

[0459] Step 2: Sending emotion data

[0460] Terminal: Sends collected emotion data to the server.

[0461] Step 3: Analyze your emotional state

[0462] Server: Analyzes received emotion data in real time using the emotion engine.

[0463] Step 4: Integrate with the service

[0464] Server: Based on the analysis results, various services (investment advice, learning tools, automated investment planner, community forum) are provided.

[0465] This allows the system to take into account the user's emotional state and provide more personalized and effective support.

[0466] Example 2

[0467] 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."

[0468] Conventional asset management systems provide uniform investment advice, educational content, and automated investment plans without considering the user's emotional state, which makes it difficult to alleviate the anxiety and stress felt by users. Furthermore, it is difficult to provide personalized support to individual users, making them difficult to use, especially for beginners. As a result, it is difficult for users to efficiently learn asset management knowledge or continue investing with peace of mind.

[0469] The specification processing by the specification 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 generating investment advice based on the user's investment goals, risk tolerance, and investment experience, a means for providing interactive learning tools that allow the user to learn investment from the basics to advanced applications step by step, and a means for creating an automatic investment plan based on the user's goals and automatically adjusting and rebalancing the portfolio. This makes it possible to recognize the user's emotional state and adjust investment advice, learning content, and automatic investment plans to suit that state.

[0470] "Investment Advice" means investment guidance or recommendations generated based on a User's investment objectives, risk tolerance, and investment experience.

[0471] "Interactive learning tools" refers to interactive educational tools designed to enable users to learn investment fundamentals through to advanced applications in a step-by-step manner.

[0472] "Automated Investment Plan" refers to an investment plan that is created based on the investment goals and risk profile set by the user and automatically adjusts and rebalances the portfolio.

[0473] A "community forum" refers to an online platform where investors of the same level can exchange information.

[0474] "Emotional state" refers to the user's psychological state, such as stress or satisfaction, analyzed from the user's voice, facial expression, text input, etc.

[0475] An "emotion engine" refers to technology that recognizes a user's emotional state in real time and provides appropriate advice and adjusts content based on that state.

[0476] "Automatic portfolio adjustment" refers to the process of periodically optimizing asset allocation based on a user's investment goals and risk profile.

[0477] "Rebalancing" refers to the process of periodically buying and selling assets to balance investments across different asset classes.

[0478] This invention combines an emotion engine with a comprehensive system to assist beginners in asset management, providing advanced support based on the user's emotional state. The system consists of five main functions: personalized investment advice based on user profiles, interactive learning tools, an automated investment planner, a community forum, and an emotion engine.

[0479] Creating and managing user profiles

[0480] The server generates a user profile based on the basic information entered by the user (such as name, email address, investment experience, and risk tolerance) and stores it in a database. This profile is used to generate investment goals and advice, customize learning content, adjust the automated investment planner, and perform analysis using the sentiment engine.

[0481] Personalized Investment Advice

[0482] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI to generate individual investment advice based on the user's profile and investment goals. The server uses an emotion engine to analyze the user's emotional state and provides advice adapted to that state. The generated advice is then displayed to the user through their device. For example, if the server detects that the user is feeling stressed, it will suggest low-risk investment products.

[0483] Interactive Learning Tools

[0484] When a user wants to learn about asset management, they select an interactive learning tool (game or quiz) provided through their device. The device sends the selection information to the server, which then generates and sends the corresponding learning content. The system recognizes the user's emotional state in real time while learning and customizes the learning content. For example, if it recognizes that the user is tired, it switches to a simple quiz-style content.

[0485] Automated Investment Planner

[0486] When a user wants to create an investment plan, they set up their investment goals and risk profile in detail through their device. The device then sends the setting information to the server, which then uses AI to generate an automated investment plan. The plan periodically collects market data and automatically adjusts and rebalances the portfolio. The plan also adjusts based on the user's emotional state. For example, if the user feels anxious, it will make adjustments to reduce risk.

[0487] Community Forum

[0488] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on their device. Users can post questions or information and receive feedback from other investors and experts. The server uses an emotion engine to analyze the tone and emotional state of the posts and recommend experts who will provide appropriate feedback.

[0489] Implementing the Emotion Engine

[0490] The emotion engine recognizes the user's emotional state in real time by analyzing their voice, facial expressions, text input, etc. The server collects this data and uses the emotion engine to identify the user's emotional state. This information is reflected in various services (investment advice, learning tools, automated investment planner, community forum).

[0491] Specific examples

[0492] 1. User registration and profile creation

[0493] User: A beginner who is interested in investing registers by entering the required information into the system (name, email address, investment experience, risk tolerance, etc.).

[0494] Terminal: Sends registration information to the server.

[0495] Server: Generates user profiles and stores them in a database.

[0496] 2. Receive personalized investment advice

[0497] User: Sets investment goals (amount, period, etc.) and requests advice.

[0498] Terminal: Sends investment goals to the server.

[0499] Server: When generating investment advice, the emotion engine analyzes the user's emotions and provides appropriate advice.

[0500] Terminal: Display the advice in the user interface.

[0501] 3. Use of interactive learning tools

[0502] Users: Select a learning tool to get started.

[0503] Terminal: Sends selection information to the server, receives learning content, and displays it.

[0504] Server: Recognizes user emotions in real time and customizes learning content.

[0505] 4. Create and execute automated investment plans

[0506] Users: Set investment goals and risk profile.

[0507] Terminal: Sends configuration information to the server.

[0508] Server: Generates an automated investment plan and makes adjustments taking into account the user's emotional state.

[0509] Terminal: The investment plan is displayed and approved by the user.

[0510] 5. Participate in community forums

[0511] Users: Access the forum and exchange information.

[0512] Terminal: View the latest forum updates.

[0513] Server: Analyzes posts using a sentiment engine and provides appropriate comments and feedback.

[0514] Prompt Sentence Examples

[0515] "Please explain the specific steps for a beginner to get personalized investment advice with the support of an emotion engine."

[0516] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0517] Step 1:

[0518] A user accesses the system and enters basic information such as their name, email address, investment experience, risk tolerance, etc. The entered information is sent from the terminal to the server.

[0519] Input: Name, email address, investment experience, risk tolerance

[0520] Output: User information sent to the server

[0521] Step 2:

[0522] The server generates a user profile based on the received user information and stores the data in a database, which is used to generate investment goals and advice, customize learning content, adjust the automated investment planner, and analyze using the sentiment engine.

[0523] Input: User information

[0524] Output: Generated user profile

[0525] Step 3:

[0526] The user sets investment goals (amount, period, etc.) through the terminal and requests advice. The set investment goals are sent from the terminal to the server.

[0527] Input: Investment goal (amount, period, etc.)

[0528] Output: Investment goal sent to server

[0529] Step 4:

[0530] The server uses a generative AI model based on the user's profile and investment goals to generate personalized investment advice, and in the process, it uses an emotion engine to analyze the user's emotional state and provide advice adapted to that state.

[0531] Input: User profile, investment goals

[0532] Output: Generated investment advice

[0533] Step 5:

[0534] The generated advice is displayed to the user via the terminal. For example, if the system detects that the user is feeling stressed, it will suggest low-risk investment products.

[0535] Input: Generated Investment Advice

[0536] Output: Advice displayed on terminal

[0537] Step 6:

[0538] The user selects the learning tool they want to use (for example, a quiz to learn basic knowledge) through their terminal, and the selection information is sent from the terminal to the server.

[0539] Input: Learning tool selection information

[0540] Output: Selections sent to the server

[0541] Step 7:

[0542] The server generates the corresponding learning content and sends it to the device. It analyzes the user's emotional state in real time while learning and customizes the content as needed. For example, if it detects that the user is tired, it switches to a simple quiz-style content.

[0543] Input: Learning tool selection information

[0544] Output: Generated learning content

[0545] Step 8:

[0546] The user sets detailed investment goals and risk profiles through the terminal, and the setting information is sent from the terminal to the server.

[0547] Inputs: Investment Objectives, Risk Profile

[0548] Output: Configuration information sent to the server

[0549] Step 9:

[0550] The server uses AI to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio. It also adjusts the plan based on the user's emotional state. For example, if the user feels anxious, it will make adjustments to reduce risk.

[0551] Inputs: Investment goals, risk profile, emotional state

[0552] Output: Generated automated investment plan

[0553] Step 10:

[0554] The user checks and approves the investment plan sent to the terminal. For example, the user checks the investment plan that reflects adjustments such as "reducing risk and increasing the proportion of government bonds."

[0555] Input: Generated automatic investment plan

[0556] Output: The approved investment plan is displayed to the user.

[0557] Step 11:

[0558] A user accesses a community forum through a terminal, and the latest information on the forum is retrieved from the server and displayed on the terminal.

[0559] Input: Forum access request

[0560] Output: Display of the latest information retrieved

[0561] Step 12:

[0562] A user posts to a forum, and the server uses an emotion engine to analyze the tone and emotional state of the post and provide appropriate feedback.

[0563] Input: Forum post

[0564] Output: Analyzed tone, emotional state, provided feedback

[0565] Through these steps, the present invention provides personalized support that takes into account the user's emotional state, realizing a comprehensive system that even beginners in asset management can use with confidence.

[0566] (Application example 2)

[0567] 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."

[0568] Conventional food delivery services simply offer food options without considering the user's emotional state. As a result, they often fail to recommend dishes that best suit the user's physical and mental state, making it difficult to improve service satisfaction and the user's experience. Furthermore, they lacked the means to increase user interaction, making the meal selection process monotonous.

[0569] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for analyzing the user's emotional state and providing food delivery advice based on the emotion, means for providing interactive cooking support so that the user can enjoy cooking, and means for providing a community forum where users can exchange information. This enables optimal food selection according to the user's emotional state, thereby improving the satisfaction of the dining experience.

[0570] "User's investment goal" refers to the specific amount and time period that the user who makes the investment wishes to achieve.

[0571] "Risk tolerance" is an indicator that indicates how much risk a user can accept in an investment.

[0572] "Investment experience" indicates the user's investment history, knowledge, and level of experience.

[0573] "Investment advice" provides specific advice on what kind of investments a user should make based on the user's investment goals, risk tolerance, and experience.

[0574] "Interactive learning tools" are educational content that allows users to learn about investing through active participation.

[0575] An "automated investment plan" is a plan that is automatically generated and manages and adjusts a portfolio to achieve a user's investment goals.

[0576] "Automatic portfolio adjustment" is the process of automatically optimizing a user's asset allocation based on an investment plan.

[0577] "Rebalancing" is the process of adjusting an investment portfolio to return it to its original allocation when the allocation deviates from the target.

[0578] A "community forum" is an online communication platform where investors of the same level can exchange information and opinions.

[0579] "Emotional state" refers to the psychological state of the user that is analyzed from their voice, facial expressions, and text input.

[0580] "Emotion-based investment advice" is investment advice that is optimized and provided according to the user's emotional state.

[0581] "Cooking support" refers to various types of assistance and guidance provided to users when cooking.

[0582] "Information exchange" refers to the act of users sharing their knowledge and opinions about investments and cooking with each other.

[0583] The present invention is a system for providing an advanced food delivery service based on the emotional state of a user. Specific embodiments are described below.

[0584] System Components

[0585] This system consists of the following elements:

[0586] 1. User terminal: A device such as a smartphone or tablet.

[0587] 2. Server: A back-end system that manages user profiles and emotional data and provides various services.

[0588] 3. Emotion recognition engine: Software that analyzes the user's emotional state.

[0589] 4. Database: A storage system for storing user profiles, sentiment data and food recommendations.

[0590] System Features

[0591] 1. Creating and managing user profiles

[0592] A user installs the application and enters basic information (such as name, email address, food preferences, and allergy information). The user's device sends this information to the server, which then generates a user profile based on the information and stores it in a database. The user profile is then used to provide food delivery services based on the user's emotional state.

[0593] 2. Implementing the Emotion Engine

[0594] When a user launches an application and inputs voice, video, or text data, the user device sends it to the emotion recognition engine. The server receives the analysis results from the emotion recognition engine and identifies the user's emotional state. For example, if the user is tired, the emotional state is recognized as "fatigue."

[0595] 3. Personalized Food Recommendations

[0596] The server then suggests appropriate dishes based on the user's emotional state. For example, if the user is "fatigued," the server suggests dishes suitable for a light meal or energy replenishment. These suggestions are sent to the user's terminal and displayed to the user.

[0597] 4. Interactive Cooking Support

[0598] When a user wants to cook at home, the user's device sends the selection information to the server, which then provides recipes based on the user's emotional state. For example, if the user is in a "joy" state, the server will provide fun and easy recipes. It also provides interactive content in the form of quizzes and games, making cooking more enjoyable.

[0599] 5. Community Forum

[0600] The server provides a community forum for users to exchange information with other users. Users can access the forum and share recipes and cooking ratings with other users. The server analyzes the posts using an emotion engine and provides feedback based on the user's emotional state.

[0601] Specific examples

[0602] Below are some examples of specific usage scenarios:

[0603] User registration and profile creation

[0604] A user creates an account and enters information such as "Name: Yamada Taro," "Email address: taro@example.com," "Food preference: Japanese food," and "Allergy: nuts." The user's device sends this information to the server, which then generates a user profile and stores it in a database.

[0605] Personalized Food Recommendations

[0606] When a user inputs "I'm tired today," the emotion recognition engine determines the user's emotional state as "fatigue." The server then suggests snacks and dishes with a relaxing effect and sends them to the user's device.

[0607] Prompt Sentence Examples

[0608] Create an application that uses the emotion recognition API to analyze the user's emotions based on the following user profile data, and recommend food delivery options based on their emotional state. Emotional states are classified as "stressed," "happy," or "tired."

[0609] User Information:

[0610] Name: Ichiro Tanaka

[0611] Email address: ichiro@example.com

[0612] Favorite food: Curry, sushi

[0613] Allergens: nuts

[0614] Purpose of the meal: Maintaining health

[0615] Emotional Data:

[0616] Audio: user_audio

[0617] Video: user_video

[0618] Text: "I'm very tired today"

[0619] Combine this information to make appropriate food suggestions.

[0620] In this way, the present invention allows for the provision of food delivery services that are tailored to the user's emotional state.

[0621] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0622] Step 1:

[0623] The user installs the application and enters basic information (such as name, email address, food preferences, allergy information, etc.) to create a user profile. The device sends this information to the server, which receives it, creates a user profile, and stores it in a database. The input data is the user's basic information, and the output is the user profile.

[0624] Step 2:

[0625] When a user wants to order a meal, they input data, either voice, video, or text. The device sends this emotional data to an emotion recognition engine. The emotion recognition engine analyzes the input data, recognizes the user's emotional state (e.g., "fatigue" or "joy"), and sends it to the server. The input data is emotional data, and the output is the emotional state.

[0626] Step 3:

[0627] The server then suggests the most suitable dishes based on the received emotional state and user profile. For example, if the emotional state is "fatigue," it will list light meals and dishes with a relaxation effect. The server then sends the list of suggested dishes to the user's device. The input data are the emotional state and the user profile, and the output is a list of suggested dishes.

[0628] Step 4:

[0629] When a user selects a dish to order from the provided list of dishes, the selection information is sent from the terminal to the server. The server processes the order information and sends the order to the corresponding restaurant or delivery service. The input data is the user's selection information, and the output is order confirmation information.

[0630] Step 5:

[0631] When a user wants to cook at home, a recipe request is sent from the device to the server. The server provides an appropriate recipe based on the user's emotional state. For example, if the emotional state is "joy," the server selects a fun and easy recipe. The selected recipe is sent to the user's device. The input data is the recipe request and the user's emotional state, and the output is the appropriate recipe.

[0632] Step 6:

[0633] When a user accesses a community forum and exchanges information with other users, the device sends the posted content to the server. The server analyzes the posted content using an emotion engine and provides appropriate comments and feedback based on the user's emotional state. For example, if a comment indicates "anxiety," the server generates feedback that provides a sense of security. The input data is the posted content, and the output is feedback.

[0634] In this way, the entire system can work together to provide optimal food delivery services and interactive experiences based on the user's emotions.

[0635] 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.

[0636] The data generation model 58 is a so-called generative AI (Artificial Intelligence). An example of the data generation model 58 is ChatGPT (registered trademark) (Internet search engine).<URL: https: / / openai.com / blog / chatgpt> ), Gemini (registered trademark) (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.

[0637] 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.

[0638] [Second embodiment]

[0639] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0640] 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.

[0641] 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).

[0642] 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.

[0643] 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.

[0644] 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).

[0645] 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.

[0646] 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.

[0647] 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.

[0648] 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.

[0649] 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.

[0650] 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."

[0651] This invention provides a comprehensive system to assist beginners in asset management, specifically designed to enable beginners to safely and effectively learn and practice investing. The system consists of four main functions: personalized investment advice based on user profiles, interactive learning tools, an automated investment planner, and a community forum.

[0652] Creating and managing user profiles

[0653] The server generates a user profile based on the basic information entered by the user (such as name, email address, investment experience, and risk tolerance) and stores it in a database. This profile is used to generate investment goals and advice, customize learning content, and adjust the automated investment planner.

[0654] Personalized Investment Advice

[0655] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI to generate individual investment advice based on the user's profile and investment goals. The generated advice is then displayed to the user through their device. For example, a user with a medium risk tolerance may be offered a balanced portfolio with a diverse asset allocation.

[0656] Interactive Learning Tools

[0657] If a user wants to learn about asset management, they select an interactive learning tool (such as a game or quiz) provided through their device. The device sends the selection information to the server, which then generates the corresponding learning content and sends it to the device. The content also includes investment simulations using real-time market data. For example, if a user selects "The Basics of Stock Investment," they can learn by following a scenario using historical stock market data.

[0658] Automated Investment Planner

[0659] When a user wishes to create an investment plan, they enter their investment goals and risk profile in detail through their device. The device then sends the configuration information to the server, which then uses AI to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio to help users achieve their goals. For example, an investment plan is generated that requires users to save a fixed amount each month, and asset allocation is automatically adjusted based on that.

[0660] Community Forum

[0661] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on the device. Users can post questions or information and receive feedback from other investors and experts. For example, if a user posts "I'm looking for opinions on recent market trends," comments from other users and experts will be displayed in real time.

[0662] Specific examples

[0663] Specific usage scenarios include:

[0664] 1. User registration and profile creation

[0665] User: A beginner who is interested in investing registers by entering the necessary information into the system.

[0666] Terminal: Sends registration information to the server.

[0667] Server: Generates user profiles and stores them in a database.

[0668] 2. Receive personalized investment advice

[0669] Users: Set investment goals and request advice.

[0670] Terminal: Sends investment goals to the server.

[0671] Server: Generates investment advice and sends it to the terminal.

[0672] Terminal: Display the advice in the user interface.

[0673] 3. Use of interactive learning tools

[0674] Users: Select a learning tool to get started.

[0675] Terminal: Sends selection information to the server, receives learning content, and displays it.

[0676] Server: Generates learning content using real-time market data.

[0677] 4. Create and execute automated investment plans

[0678] Users: Set investment goals and risk profile.

[0679] Terminal: Sends configuration information to the server.

[0680] Server: Generates an automatic investment plan and sends it to the device.

[0681] Terminal: The investment plan is displayed and approved by the user.

[0682] 5. Participate in community forums

[0683] Users: Access the forum and exchange information.

[0684] Terminal: View the latest forum updates.

[0685] Server: Processes the posted content and notifies other users.

[0686] This system allows even those new to asset management to learn efficiently while receiving support in their investment practices, and guarantees safety and transparency.

[0687] The processing flow will be explained below.

[0688] Personalized Investment Advice

[0689] Step 1: User Input

[0690] User: Enter basic information (name, email address, investment experience, risk tolerance, etc.).

[0691] Terminal: Sends input data to the server.

[0692] Step 2: Generate a profile

[0693] Server: Generates a user profile based on the received data and stores it in a database.

[0694] Step 3: Set your investment goals

[0695] User: Set specific investment goals (amount, period, etc.).

[0696] Terminal: Sends configuration information to the server.

[0697] Step 4: Investment advice generation

[0698] Server: AI generates optimal investment advice based on user profile and investment goals.

[0699] Terminal: The advice content is displayed on the user interface.

[0700] User: Review the advice provided.

[0701] Interactive Learning Tools

[0702] Step 1: Select a learning tool

[0703] User: Selects learning tools (games and quizzes) available on the device.

[0704] Terminal: Sends the selection information to the server.

[0705] Step 2: Provide learning content

[0706] Server: Generates content corresponding to the selected learning tool and transmits it to the terminal.

[0707] Terminal: Displays learning content (quizzes and game screens) to the user.

[0708] User: Answer quizzes and progress through games.

[0709] Step 3: Provide feedback

[0710] Terminal: Sends the user's answers and operations to the server.

[0711] Server: Analyzes the received data and generates correct answers and explanations.

[0712] Terminal: Display feedback in the user interface.

[0713] User: Review the feedback and retrain if necessary.

[0714] Automated Investment Planner

[0715] Step 1: Set your investment goals and risk profile

[0716] Users: Set detailed investment goals and risk profiles.

[0717] Terminal: Sends configuration information to the server.

[0718] Step 2: Create an automated investment plan

[0719] Server: Based on the received investment goals and risk profile, the AI ​​generates an optimal investment plan.

[0720] Terminal: Displays the generated investment plan in a user interface.

[0721] User: Review the investment plan and make any necessary amendments or approvals.

[0722] Step 3: Automatically adjust and rebalance your portfolio

[0723] Server: Periodically collects market data and optimizes users' portfolios.

[0724] Terminal: Displays the latest portfolio status in the user interface.

[0725] User: Check the progress of their portfolio and set up additional investments from their device.

[0726] Community Forum

[0727] Step 1: Visit the community forums

[0728] Users: Access community forums from their devices.

[0729] Terminal: Retrieves the latest forum posting information from the server and displays it.

[0730] Step 2: New Post

[0731] Users: Post new questions or information to the forum.

[0732] Terminal: Sends the posted content to the server.

[0733] Server: Stores the post in a database and distributes it to other users.

[0734] Step 3: Real-time communication

[0735] Server: Processes new forum posts and comments in real time and notifies relevant users.

[0736] Terminal: Display new comments and feedback in the user interface.

[0737] Users: Exchange information with other users in real time.

[0738] Example 1

[0739] 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."

[0740] Traditional asset management systems were complex and difficult for beginners to understand, and they lacked risk management and learning support. They also lacked personalized advice and automated investment plans based on investment goals, making it difficult to effectively manage assets. Another issue was the lack of a community forum where investors could exchange information with others at the same level.

[0741] 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.

[0742] In this invention, the server includes: means for generating investment advice based on a user's investment goals, risk tolerance, and investment experience; means for generating a user profile based on basic information entered by the user and saving the profile in a database; means for providing interactive learning tools that allow users to learn investment from the basics to advanced applications step by step; means for creating an automatic investment plan based on the user's goals and for automatically adjusting and rebalancing the portfolio using AI; means for displaying advice generated based on the user profile and investment goals on a terminal; means for providing a community forum where investors at the same level can exchange information; and means for performing investment simulations using real-time market data, thereby enabling even beginners to manage their assets safely and effectively.

[0743] An "investment goal" is a goal that sets a specific amount and period that a user wants to achieve through asset management.

[0744] "Risk tolerance" is an indicator that indicates the degree of risk a user can accept in an investment.

[0745] "Investment experience" indicates the level of investment activities and knowledge that the user has had in the past.

[0746] "Investment Advice" means advice regarding optimal investment strategies and asset allocations based on a User's profile and investment goals.

[0747] "Interactive learning tools" are educational content in the form of games or quizzes that enhance learning through user participation.

[0748] A "user profile" is a collection of data generated based on basic information entered by a user into the system, and reflects the characteristics of each individual user.

[0749] An "automated investment plan" is an investment plan that is automatically created using AI based on the user's investment goals and risk profile.

[0750] "Automatic Portfolio Adjustments" are adjustments made automatically to optimize asset allocation within a user's portfolio based on market data.

[0751] "Rebalancing" is the process of adjusting the asset allocation within a portfolio to return it to the optimal balance when it deviates from the optimal balance.

[0752] A "Community Forum" is an online platform for like-minded investors to exchange information and ask questions.

[0753] "Real-time market data" means up-to-date financial data that reflects current market conditions.

[0754] "Investment simulation" is a method of simulating investment results using past or predicted market data.

[0755] "AI" stands for artificial intelligence technology, a system that makes advanced judgments and predictions through machine learning and data analysis.

[0756] A "server" is a computer system used to process requests and manage data over a network.

[0757] A "terminal" is a device such as a computer or smartphone that a user uses to perform operations.

[0758] This invention is a comprehensive system to support beginners in asset management, specifically designed to enable even beginners to learn and practice investing safely and effectively. This system consists of four main functions: personalized investment advice based on user profiles, interactive learning tools, an automated investment planner, and a community forum. Each function is explained in detail below.

[0759] Creating and managing user profiles

[0760] Users access the system using a terminal and enter basic information such as their name, email address, investment experience, and risk tolerance. The terminal sends this information to the server, which stores it in a database (e.g., MySQL). The server generates a user profile based on the information it receives. This profile is used to generate investment goals and advice, customize learning content, and adjust the automated investment planner.

[0761] Personalized Investment Advice

[0762] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI (generative AI model) to generate individual investment advice based on the user's profile and investment goals. The generated advice is then displayed to the user through their device. For example, a user with a medium risk tolerance may be offered a balanced portfolio with a diverse asset allocation.

[0763] Interactive Learning Tools

[0764] If a user wants to learn about asset management, they select an interactive learning tool (such as a game or quiz) provided through their device. The device sends the selection information to the server, which then generates the corresponding learning content and sends it to the device. The content also includes investment simulations using real-time market data. For example, if a user selects "The Basics of Stock Investment," they can learn by following a scenario using historical stock market data.

[0765] Automated Investment Planner

[0766] When a user wishes to create an investment plan, they enter their investment goals and risk profile in detail through their device. The device then sends the configuration information to a server, which then uses AI (generative AI models) to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio to help users achieve their goals. For example, an investment plan is generated that requires users to save a fixed amount each month, and asset allocation is automatically adjusted based on that plan.

[0767] Community Forum

[0768] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on the device. Users can post questions or information and receive feedback from other investors and experts. For example, if a user posts "I'm looking for opinions on recent market trends," comments from other users and experts will be displayed in real time.

[0769] Prompt Sentence Examples

[0770] Below are some examples of prompts for this system:

[0771] User registration and profile creation

[0772] "My name is Taro Yamada, my email address is taro_yamada@example.com, my investment experience is beginner, and my risk tolerance is moderate. Please generate a user profile using this information."

[0773] Receive personalized investment advice

[0774] "What investment advice would you give me to aim for 1 million yen in 5 years?"

[0775] Use of interactive learning tools

[0776] "I'd like to learn the basics of stock investing. Please provide me with the appropriate learning tools."

[0777] Create and execute automated investment plans

[0778] "Create an investment plan to save 10,000 yen a month."

[0779] Community Forum Participation

[0780] "I'm looking for your opinion on recent market trends. Please post in the forum."

[0781] This system allows even those new to asset management to learn efficiently while receiving support in their investment practices, and guarantees safety and transparency.

[0782] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0783] Creating and managing user profiles

[0784] Step 1: Enter your user registration information

[0785] Users log in to the system using a terminal and enter basic information such as their name, email address, investment experience, risk tolerance, etc. This becomes the input data.

[0786] Specific actions

[0787] The user fills in the required information on the registration form.

[0788] The terminal validates the input in real time and formats it appropriately.

[0789] Input: Name, email address, investment experience, risk tolerance

[0790] Output: Formatted user information data

[0791] Step 2: Submit your input

[0792] The terminal transmits the input information to the server.

[0793] Specific actions

[0794] The terminal encodes the input information in JSON format and sends it to the server via the HTTPS protocol.

[0795] Input: Formatted user information data

[0796] Output: JSON data sent to the server

[0797] Step 3: Create and save a user profile

[0798] The server generates a user profile based on the received information and stores it in a database.

[0799] Specific actions

[0800] The server decodes the received data, performs data analysis, and then generates a user profile.

[0801] The server stores the generated user profile in a database (e.g. MySQL).

[0802] Input: Received JSON data

[0803] Output: User profile stored in the database

[0804] Personalized Investment Advice

[0805] Step 1: Set your investment goals

[0806] The user sets his or her investment goals (amount, period, etc.) through the terminal.

[0807] Specific actions

[0808] The user enters investment goal information into the goal setting form.

[0809] The terminal validates the input and formats it appropriately.

[0810] Input: Investment goal (amount, period)

[0811] Output: Formatted investment goal data

[0812] Step 2: Sending configuration information

[0813] The terminal transmits the set investment target information to the server.

[0814] Specific actions

[0815] The terminal encodes the investment target information in JSON format and sends it to the server.

[0816] Input: Formatted investment goal data

[0817] Output: JSON data sent to the server

[0818] Step 3: Generate investment advice

[0819] The server uses AI (generative AI model) to generate investment advice based on the user profile and investment goals.

[0820] Specific actions

[0821] The server analyzes user profile and investment goal data and uses generative AI models to generate personalized investment advice.

[0822] Input: User profile data, investment goal data

[0823] Output: Generated investment advice data

[0824] Step 4: Providing advice

[0825] The terminal displays the received investment advice to the user.

[0826] Specific actions

[0827] The terminal decodes the advice data received from the server and displays it to the user in a visually easy-to-understand format.

[0828] Input: Generated investment advice data

[0829] Output: Investment advice displayed to the user

[0830] Interactive Learning Tools

[0831] Step 1: Choose a learning tool

[0832] The user uses the terminal to select the content they want to learn.

[0833] Specific actions

[0834] The user selects something from the list of learning tools, such as "Stock Investing Basics."

[0835] The terminal confirms the selection information and sends it to the server.

[0836] Input: Selected Study Tool

[0837] Output: Selection information to send to the server

[0838] Step 2: Generate learning content

[0839] The server generates learning content based on the content selected by the user.

[0840] Specific actions

[0841] A server collects market data related to the selected learning tool and generates a learning scenario.

[0842] Input: Selection information

[0843] Output: Generated learning content

[0844] Step 3: View learning content

[0845] The terminal displays the received study content to the user.

[0846] Specific actions

[0847] The terminal analyzes the learning content data received from the server and displays it to the user via the learning interface.

[0848] Input: Generated learning content

[0849] Output: The learning content that is displayed to the user

[0850] Automated Investment Planner

[0851] Step 1: Set up your investment plan

[0852] Users enter detailed investment goals and risk profiles.

[0853] Specific actions

[0854] The user enters the monthly savings amount, investment period, and risk tolerance.

[0855] The terminal sends the input information to the server.

[0856] Inputs: Investment Objectives, Risk Profile

[0857] Output: Formatted investment plan data

[0858] Step 2: Sending configuration information

[0859] The terminal transmits the set investment plan information to the server.

[0860] Specific actions

[0861] The terminal encodes the investment plan information in JSON format and sends it to the server.

[0862] Input: Formatted investment plan data

[0863] Output: JSON data sent to the server

[0864] Step 3: Generate an investment plan

[0865] The server uses AI (generative AI model) to generate an automated investment plan.

[0866] Specific actions

[0867] The server analyzes the input information and generates an automated investment plan.

[0868] Input: Input investment plan data

[0869] Output: Generated automated investment plan data

[0870] Step 4: Adjust your investment plan

[0871] The terminal displays the generated investment plan to the user for approval.

[0872] Specific actions

[0873] The terminal visually presents the plan and awaits the user's approval.

[0874] Input: Generated investment plan data

[0875] Output: Approved investment plan

[0876] Community Forum

[0877] Step 1: Access the forum

[0878] A user accesses a community forum using a terminal.

[0879] Specific actions

[0880] A user accesses the community forum by clicking on the icon.

[0881] The device retrieves and displays the latest information from the forum.

[0882] Input: Forum Access Request

[0883] Output: The most recent forum information displayed

[0884] Step 2: Create a Post

[0885] Users post questions and opinions.

[0886] Specific actions

[0887] The user enters the content of the post (e.g., "Seeking opinions on recent market trends") and presses the send button.

[0888] The device sends the post content to the server.

[0889] Input: Post content

[0890] Output: Post content sent to the server

[0891] Step 3: View your feedback

[0892] The server updates the content of the forum and notifies the user.

[0893] Specific actions

[0894] The server receives the posts and shares them within the community.

[0895] The device displays feedback to the user.

[0896] Input: Post content received by the server

[0897] Output: Feedback that is displayed to the user

[0898] The detailed processing steps described above enable even beginners in asset management to learn efficiently while also being supported in the practice of investment, and guarantee safety and transparency.

[0899] (Application example 1)

[0900] 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."

[0901] Beginners to asset management lack knowledge and experience in investing, making it difficult to manage their assets safely and effectively. Furthermore, existing investment support systems provide separate investment advice and learning tools, and do not provide an environment where users can use these tools comprehensively. Furthermore, the lack of virtual investment simulations and investment plans based on real-time data makes it difficult for users to learn about and practice investing with confidence.

[0902] 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.

[0903] In this invention, the server includes: means for generating investment advice based on a user's investment goals, risk tolerance, and investment experience; means for providing interactive learning tools that allow users to learn investment from the basics to advanced applications step by step; means for creating an automatic investment plan based on the user's goals and automatically adjusting and rebalancing the portfolio; means for providing a community forum where users can exchange information with investors at the same level; means for conducting investment simulations in a virtual space that allow users to visually experience investment plans; and means for generating and managing a user profile on a smartphone and displaying personalized investment advice in real time according to the user's investment goals and risk tolerance. This makes it possible to provide an environment in which even beginners in asset management can learn about and practice investing in a comprehensive and safe manner.

[0904] A "user profile" is a collection of data such as a user's basic information, investment experience, risk tolerance, and investment goals.

[0905] "Investment advice" refers to specific asset management suggestions provided based on a user's investment goals and risk tolerance.

[0906] "Interactive learning tools" are features that allow users to learn investment knowledge and skills in the form of games and quizzes.

[0907] An "automated investment plan" is an investment plan created using AI based on a user's goals and risk profile, including automatic portfolio adjustments and rebalancing.

[0908] A "community forum" is an online platform for like-minded investors to exchange information.

[0909] A "virtual space" is a digital simulation space where users can conduct investment simulations in a realistic environment.

[0910] A "smartphone" is a mobile terminal for communication and information processing, and is a device on which applications are installed and used.

[0911] "Real-time" means that processing and data delivery occurs immediately in actual time.

[0912] "Investment Simulation" is a function that uses past market data and other information to virtually predict investment results while learning and planning.

[0913] This invention provides a system for supporting beginners in asset management, and in particular includes a function for conducting investment simulations using a virtual space and a function for displaying real-time investment advice on a smartphone.

[0914] First, a user uses their smartphone to enter basic information (e.g., name, email address, investment experience, risk tolerance, etc.) to create a user profile. This information is sent from the smartphone to a server and stored in a database. This user profile is used to provide personalized investment advice based on investment goals and risk tolerance, provide interactive learning tools, and adjust automated investment plans.

[0915] When a user wants investment advice, they set their investment goals (amount, period, etc.) on their smartphone and send it to the server. The server then generates AI-powered investment advice based on the user's profile and investment goals and sends it to the smartphone. This allows the user to receive personalized investment advice in real time.

[0916] Furthermore, users can learn about investing using learning tools. They select a learning tool (e.g., a game or quiz) on their smartphone and send the selection information to the server. The server then sends learning content generated using real-time market data to the smartphone, allowing users to learn interactively.

[0917] When a user wants to create an automated investment plan, they use their smartphone to set up their investment goals and risk profile in detail, then send the settings to the server. The server then uses AI to generate an automated investment plan and sends it to the smartphone. This plan also includes a function to automatically adjust and rebalance the portfolio, helping the user achieve their investment goals.

[0918] Users can also access a community forum to exchange information with other investors. The server retrieves the latest information from the forum and displays it on their smartphone, providing an environment where users can post questions and information and receive feedback.

[0919] It also allows users to simulate investment results in a virtual space using a smartphone or head-mounted display in a realistic environment, allowing them to visually experience investment plans and learn about investing in a more realistic way.

[0920] The system's program consists of a backend server using Python and Django, an AI model using TensorFlow or PyTorch, a database using MySQL or PostgreSQL, and a smartphone application using React Native.

[0921] Examples of concrete examples and prompts

[0922] For example, consider a scenario in which a new user registers with an app to obtain investment advice. The user enters basic information into the app to create a profile, then sets investment goals and receives personalized investment advice from the server, including portfolio suggestions based on the user's risk tolerance.

[0923] Example prompt sentence:

[0924] "Implement a scenario where a new user registers with the app and gets investment advice based on the user's risk tolerance."

[0925] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0926] Step 1:

[0927] The user enters basic information on their smartphone to create a user profile.

[0928] Input: User's basic information (name, email address, investment experience, risk tolerance, etc.)

[0929] Processing: The terminal collects basic information about the user and structures the input data.

[0930] Output: Request data to send to the server based on the input data.

[0931] Step 2:

[0932] The server generates a user profile based on the received basic information of the user and stores it in a database.

[0933] Input: Basic user information sent from the smartphone

[0934] Processing: The server stores the received data in a database and generates a user profile.

[0935] Output: Stored user profile data, which is used in further processing.

[0936] Step 3:

[0937] Users set investment goals and request personalized investment advice from their smartphones.

[0938] Input: User's investment goal (target amount, target period, etc.)

[0939] Processing: The terminal receives the investment objectives input by the user and generates request data to be sent to the server.

[0940] Output: Sends the request data to the server.

[0941] Step 4:

[0942] The server uses AI models to generate investment advice based on the user profile and investment goals.

[0943] Input: User profile data, investment goals

[0944] Processing: The server inputs this data into an AI model to generate investment advice based on risk tolerance and investment experience. Specifically, the model, trained using TensorFlow and PyTorch, suggests optimal investment portfolios.

[0945] Output: Generated personalized investment advice.

[0946] Step 5:

[0947] The device displays personalized investment advice.

[0948] Input: Investment advice received from the server

[0949] Processing: The terminal displays the received advice in a format suitable for the user interface, for example, as a list of recommended investment products and asset allocation details.

[0950] Output: Visually easy-to-understand display of investment advice for the user.

[0951] Step 6:

[0952] Users select learning tools and learn interactively.

[0953] Input: User's study tool selection (study topic, quiz, game, etc.)

[0954] Processing: The device sends the user's selection information to the server, which then generates corresponding learning content and sends it to the device.

[0955] Output: Content that users can use to learn using the learning tools.

[0956] Step 7:

[0957] A server generates learning content using real-time market data.

[0958] Input: Study topics, real-time market data

[0959] Processing: The server collects real-time market data and generates relevant learning scenarios, such as investment scenarios using historical market data, and provides them to users as learning tools.

[0960] Output: Learning content including learning scenarios.

[0961] Step 8:

[0962] Users create and run automated investment plans.

[0963] Input: User's detailed investment goals, risk profile

[0964] Processing: The device sends the user's detailed configuration information to the server, which then uses AI to generate an automated investment plan. The plan periodically collects market data and automatically adjusts and rebalances the portfolio.

[0965] Output: Automated investment plan and execution.

[0966] Step 9:

[0967] Users access community forums and exchange information.

[0968] Input: User forum access requests, posts, and questions

[0969] Processing: The server retrieves the latest information from the forum and sends it to the terminal. Users can receive real-time feedback through an interface to exchange information with other investors.

[0970] Output: Forum updates, posts, and feedback.

[0971] 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.

[0972] This invention combines an emotion engine with a comprehensive system to assist beginners in asset management, providing advanced support based on the user's emotional state. The system consists of five main functions: personalized investment advice based on user profiles, an interactive learning tool, an automated investment planner, a community forum, and an emotion engine.

[0973] Creating and managing user profiles

[0974] The server generates a user profile based on the basic information entered by the user (such as name, email address, investment experience, and risk tolerance) and stores it in a database. This profile is used to generate investment goals and advice, customize learning content, adjust the automated investment planner, and perform analysis using the sentiment engine.

[0975] Personalized Investment Advice

[0976] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI to generate individual investment advice based on the user's profile and investment goals. During this process, the server uses an emotion engine to analyze the user's emotional state and provides advice adapted to that state. The generated advice is then displayed to the user through their device. For example, if the server detects that the user is feeling stressed, it will suggest low-risk investment products.

[0977] Interactive Learning Tools

[0978] When a user wants to learn about asset management, they select an interactive learning tool (such as a game or quiz) provided through their device. The device sends the selection information to the server, which then generates corresponding learning content and sends it to the device. The server recognizes the user's emotional state in real time while learning and customizes the learning content. For example, if the server recognizes that the user is tired, it switches to simple quiz-style content.

[0979] Automated Investment Planner

[0980] When a user wishes to create an investment plan, they enter their investment goals and risk profile in detail through their device. The device then sends the configuration information to the server, which then uses AI to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio to help the user achieve their goals. The server also adjusts the plan based on the user's emotional state. For example, if the user feels anxious, it will make adjustments to reduce risk.

[0981] Community Forum

[0982] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on their device. Users can post questions or information and receive feedback from other investors and experts. During this process, the server uses an emotion engine to analyze the tone and emotional state of the post and recommend experts who will provide appropriate feedback.

[0983] Implementing the Emotion Engine

[0984] The emotion engine has the ability to recognize the user's emotional state in real time by analyzing their voice, facial expressions, text input, etc. The server collects this data and uses the emotion engine to identify the user's emotional state. This information is reflected in the provision of various services (investment advice, learning tools, automated investment planner, community forum).

[0985] Specific examples

[0986] Specific usage scenarios include:

[0987] 1. User registration and profile creation

[0988] User: A beginner who is interested in investing registers by entering the necessary information into the system.

[0989] Terminal: Sends registration information to the server.

[0990] Server: Generates user profiles and stores them in a database.

[0991] 2. Receive personalized investment advice

[0992] Users: Set investment goals and request advice.

[0993] Terminal: Sends investment goals to the server.

[0994] Server: When generating investment advice, the emotion engine analyzes the user's emotions and provides appropriate advice.

[0995] Terminal: Display the advice in the user interface.

[0996] 3. Use of interactive learning tools

[0997] Users: Select a learning tool to get started.

[0998] Terminal: Sends selection information to the server, receives learning content, and displays it.

[0999] Server: Recognizes user emotions in real time and customizes learning content.

[1000] 4. Create and execute automated investment plans

[1001] Users: Set investment goals and risk profile.

[1002] Terminal: Sends configuration information to the server.

[1003] Server: Generates an automated investment plan and makes adjustments taking into account the user's emotional state.

[1004] Terminal: The investment plan is displayed and approved by the user.

[1005] 5. Participate in community forums

[1006] Users: Access the forum and exchange information.

[1007] Terminal: View the latest forum updates.

[1008] Server: Analyzes posts using a sentiment engine and provides appropriate comments and feedback.

[1009] This system allows even beginners to asset management to learn efficiently while being supported in their investment practices, and the emotional engine takes the user's emotional state into consideration, creating an environment where users can use the system with greater peace of mind.

[1010] The processing flow will be explained below.

[1011] User profile creation and management

[1012] Step 1: Enter your user registration information

[1013] User: Enter basic information (name, email address, investment experience, risk tolerance).

[1014] Terminal: Sends the entered information to the server.

[1015] Step 2: Create a user profile

[1016] Server: Generates a user profile based on the received information and stores it in a database.

[1017] Personalized Investment Advice

[1018] Step 1: Set your investment goals

[1019] User: Set specific investment goals (amount, period) through the terminal.

[1020] Terminal: Sends configuration information to the server.

[1021] Step 2: Generate investment advice

[1022] Server: AI generates optimal investment advice based on user profile and investment goals.

[1023] Server: Further analyzes the user's current emotional state using an emotion engine.

[1024] Server: Adjusts investment risk and advice content according to emotional state.

[1025] Step 3: Providing investment advice

[1026] Server: Generates optimized investment advice and sends it to the terminal.

[1027] Terminal: The advice content is displayed on the user interface.

[1028] User: Review the advice provided.

[1029] Interactive Learning Tools

[1030] Step 1: Choose a learning tool

[1031] User: Selects learning tools (games and quizzes) available through the device.

[1032] Terminal: Sends the selection information to the server.

[1033] Step 2: Provide learning content

[1034] Server: Generates content corresponding to the selected learning tool.

[1035] Server: Uses an emotion engine to recognize the user's emotional state in real time and provide appropriate content.

[1036] Device: Displays learning content (quizzes and game screens).

[1037] User: Answer quizzes and progress through games.

[1038] Step 3: Provide feedback

[1039] Terminal: Sends all user responses and operation data to the server.

[1040] Server: Based on the analysis results, generate the accuracy rate and explanation for each user in real time.

[1041] Terminal: Display feedback in the user interface.

[1042] Users: Review the feedback and retrain as needed.

[1043] Automated Investment Planner

[1044] Step 1: Set your investment goals and risk profile

[1045] Users: Define their investment goals and risk profile in detail.

[1046] Terminal: Sends configuration information to the server.

[1047] Step 2: Create an automated investment plan

[1048] Server: Based on the received investment goals and risk profile, the AI ​​generates an optimal investment plan.

[1049] Server: Uses an emotion engine to make adjustments that take into account the user's emotional state.

[1050] Terminal: Displays the generated investment plan in a user interface.

[1051] User: Review the investment plan and make any necessary amendments or approvals.

[1052] Step 3: Automatically adjust and rebalance your portfolio

[1053] Server: Periodically collects market data and optimizes users' portfolios.

[1054] Server: Uses the emotion engine to make adjustments based on the user's emotional state.

[1055] Terminal: Displays the latest portfolio status in the user interface.

[1056] User: Check the progress of the portfolio and make additional investments if necessary.

[1057] Community Forum

[1058] Step 1: Visit the community forums

[1059] Users: Access community forums from their devices.

[1060] On your device: Retrieve the latest forum postings from the server and display them.

[1061] Step 2: Create a new post

[1062] Users: Post new questions or information to the forum.

[1063] Terminal: Sends the posted content to the server.

[1064] Step 3: Post analysis and notifications

[1065] Server: Saves the posted content in a database and notifies other users.

[1066] Server: Uses a sentiment engine to analyze the tone and emotional state of posts.

[1067] On the device: Provide appropriate feedback and comments based on the analysis results.

[1068] Implementing the Emotion Engine

[1069] Step 1: Collecting emotion data

[1070] Terminal: Collects emotional data such as voice, facial expressions, and text input.

[1071] Step 2: Sending emotion data

[1072] Terminal: Sends collected emotion data to the server.

[1073] Step 3: Analyze your emotional state

[1074] Server: Analyzes received emotion data in real time using the emotion engine.

[1075] Step 4: Integrate with the service

[1076] Server: Based on the analysis results, various services (investment advice, learning tools, automated investment planner, community forum) are provided.

[1077] This allows the system to take into account the user's emotional state and provide more personalized and effective support.

[1078] Example 2

[1079] 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."

[1080] Conventional asset management systems provide uniform investment advice, educational content, and automated investment plans without considering the user's emotional state, which makes it difficult to alleviate the anxiety and stress felt by users. Furthermore, it is difficult to provide personalized support to individual users, making them difficult to use, especially for beginners. As a result, it is difficult for users to efficiently learn asset management knowledge or continue investing with peace of mind.

[1081] The specification processing by the specification 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 generating investment advice based on the user's investment goals, risk tolerance, and investment experience, a means for providing interactive learning tools that allow the user to learn investment from the basics to advanced applications step by step, and a means for creating an automatic investment plan based on the user's goals and automatically adjusting and rebalancing the portfolio. This makes it possible to recognize the user's emotional state and adjust investment advice, learning content, and automatic investment plans to suit that state.

[1082] "Investment Advice" means investment guidance or recommendations generated based on a User's investment objectives, risk tolerance, and investment experience.

[1083] "Interactive learning tools" refers to interactive educational tools designed to enable users to learn investment fundamentals through to advanced applications in a step-by-step manner.

[1084] "Automated Investment Plan" refers to an investment plan that is created based on the investment goals and risk profile set by the user and automatically adjusts and rebalances the portfolio.

[1085] A "community forum" refers to an online platform where investors of the same level can exchange information.

[1086] "Emotional state" refers to the user's psychological state, such as stress or satisfaction, analyzed from the user's voice, facial expression, text input, etc.

[1087] An "emotion engine" refers to technology that recognizes a user's emotional state in real time and provides appropriate advice and adjusts content based on that state.

[1088] "Automatic portfolio adjustment" refers to the process of periodically optimizing asset allocation based on a user's investment goals and risk profile.

[1089] "Rebalancing" refers to the process of periodically buying and selling assets to balance investments across different asset classes.

[1090] This invention combines an emotion engine with a comprehensive system to assist beginners in asset management, providing advanced support based on the user's emotional state. The system consists of five main functions: personalized investment advice based on user profiles, interactive learning tools, an automated investment planner, a community forum, and an emotion engine.

[1091] Creating and managing user profiles

[1092] The server generates a user profile based on the basic information entered by the user (such as name, email address, investment experience, and risk tolerance) and stores it in a database. This profile is used to generate investment goals and advice, customize learning content, adjust the automated investment planner, and perform analysis using the sentiment engine.

[1093] Personalized Investment Advice

[1094] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI to generate individual investment advice based on the user's profile and investment goals. The server uses an emotion engine to analyze the user's emotional state and provides advice adapted to that state. The generated advice is then displayed to the user through their device. For example, if the server detects that the user is feeling stressed, it will suggest low-risk investment products.

[1095] Interactive Learning Tools

[1096] When a user wants to learn about asset management, they select an interactive learning tool (game or quiz) provided through their device. The device sends the selection information to the server, which then generates and sends the corresponding learning content. The system recognizes the user's emotional state in real time while learning and customizes the learning content. For example, if it recognizes that the user is tired, it switches to a simple quiz-style content.

[1097] Automated Investment Planner

[1098] When a user wants to create an investment plan, they set up their investment goals and risk profile in detail through their device. The device then sends the setting information to the server, which then uses AI to generate an automated investment plan. The plan periodically collects market data and automatically adjusts and rebalances the portfolio. The plan also adjusts based on the user's emotional state. For example, if the user feels anxious, it will make adjustments to reduce risk.

[1099] Community Forum

[1100] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on their device. Users can post questions or information and receive feedback from other investors and experts. The server uses an emotion engine to analyze the tone and emotional state of the posts and recommend experts who will provide appropriate feedback.

[1101] Implementing the Emotion Engine

[1102] The emotion engine recognizes the user's emotional state in real time by analyzing their voice, facial expressions, text input, etc. The server collects this data and uses the emotion engine to identify the user's emotional state. This information is reflected in various services (investment advice, learning tools, automated investment planner, community forum).

[1103] Specific examples

[1104] 1. User registration and profile creation

[1105] User: A beginner who is interested in investing registers by entering the required information into the system (name, email address, investment experience, risk tolerance, etc.).

[1106] Terminal: Sends registration information to the server.

[1107] Server: Generates user profiles and stores them in a database.

[1108] 2. Receive personalized investment advice

[1109] User: Sets investment goals (amount, period, etc.) and requests advice.

[1110] Terminal: Sends investment goals to the server.

[1111] Server: When generating investment advice, the emotion engine analyzes the user's emotions and provides appropriate advice.

[1112] Terminal: Display the advice in the user interface.

[1113] 3. Use of interactive learning tools

[1114] Users: Select a learning tool to get started.

[1115] Terminal: Sends selection information to the server, receives learning content, and displays it.

[1116] Server: Recognizes user emotions in real time and customizes learning content.

[1117] 4. Create and execute automated investment plans

[1118] Users: Set investment goals and risk profile.

[1119] Terminal: Sends configuration information to the server.

[1120] Server: Generates an automated investment plan and makes adjustments taking into account the user's emotional state.

[1121] Terminal: The investment plan is displayed and approved by the user.

[1122] 5. Participate in community forums

[1123] Users: Access the forum and exchange information.

[1124] Terminal: View the latest forum updates.

[1125] Server: Analyzes posts using a sentiment engine and provides appropriate comments and feedback.

[1126] Prompt Sentence Examples

[1127] "Please explain the specific steps for a beginner to get personalized investment advice with the support of an emotion engine."

[1128] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1129] Step 1:

[1130] A user accesses the system and enters basic information such as their name, email address, investment experience, risk tolerance, etc. The entered information is sent from the terminal to the server.

[1131] Input: Name, email address, investment experience, risk tolerance

[1132] Output: User information sent to the server

[1133] Step 2:

[1134] The server generates a user profile based on the received user information and stores the data in a database, which is used to generate investment goals and advice, customize learning content, adjust the automated investment planner, and analyze using the sentiment engine.

[1135] Input: User information

[1136] Output: Generated user profile

[1137] Step 3:

[1138] The user sets investment goals (amount, period, etc.) through the terminal and requests advice. The set investment goals are sent from the terminal to the server.

[1139] Input: Investment goal (amount, period, etc.)

[1140] Output: Investment goal sent to server

[1141] Step 4:

[1142] The server uses a generative AI model based on the user's profile and investment goals to generate personalized investment advice, and in the process, it uses an emotion engine to analyze the user's emotional state and provide advice adapted to that state.

[1143] Input: User profile, investment goals

[1144] Output: Generated investment advice

[1145] Step 5:

[1146] The generated advice is displayed to the user via the terminal. For example, if the system detects that the user is feeling stressed, it will suggest low-risk investment products.

[1147] Input: Generated Investment Advice

[1148] Output: Advice displayed on terminal

[1149] Step 6:

[1150] The user selects the learning tool they want to use (for example, a quiz to learn basic knowledge) through their terminal, and the selection information is sent from the terminal to the server.

[1151] Input: Learning tool selection information

[1152] Output: Selections sent to the server

[1153] Step 7:

[1154] The server generates the corresponding learning content and sends it to the device. It analyzes the user's emotional state in real time while learning and customizes the content as needed. For example, if it detects that the user is tired, it switches to a simple quiz-style content.

[1155] Input: Learning tool selection information

[1156] Output: Generated learning content

[1157] Step 8:

[1158] The user sets detailed investment goals and risk profiles through the terminal, and the setting information is sent from the terminal to the server.

[1159] Inputs: Investment Objectives, Risk Profile

[1160] Output: Configuration information sent to the server

[1161] Step 9:

[1162] The server uses AI to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio. It also adjusts the plan based on the user's emotional state. For example, if the user feels anxious, it will make adjustments to reduce risk.

[1163] Inputs: Investment goals, risk profile, emotional state

[1164] Output: Generated automated investment plan

[1165] Step 10:

[1166] The user checks and approves the investment plan sent to the terminal. For example, the user checks the investment plan that reflects adjustments such as "reducing risk and increasing the proportion of government bonds."

[1167] Input: Generated automatic investment plan

[1168] Output: The approved investment plan is displayed to the user.

[1169] Step 11:

[1170] A user accesses a community forum through a terminal, and the latest information on the forum is retrieved from the server and displayed on the terminal.

[1171] Input: Forum access request

[1172] Output: Display of the latest information retrieved

[1173] Step 12:

[1174] A user posts to a forum, and the server uses an emotion engine to analyze the tone and emotional state of the post and provide appropriate feedback.

[1175] Input: Forum post

[1176] Output: Analyzed tone, emotional state, provided feedback

[1177] Through these steps, the present invention provides personalized support that takes into account the user's emotional state, realizing a comprehensive system that even beginners in asset management can use with confidence.

[1178] (Application example 2)

[1179] 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."

[1180] Conventional food delivery services simply offer food options without considering the user's emotional state. As a result, they often fail to recommend dishes that best suit the user's physical and mental state, making it difficult to improve service satisfaction and the user's experience. Furthermore, they lacked the means to increase user interaction, making the meal selection process monotonous.

[1181] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for analyzing the user's emotional state and providing food delivery advice based on the emotion, means for providing interactive cooking support so that the user can enjoy cooking, and means for providing a community forum where users can exchange information. This enables optimal food selection according to the user's emotional state, thereby improving the satisfaction of the dining experience.

[1182] "User's investment goal" refers to the specific amount and time period that the user who makes the investment wishes to achieve.

[1183] "Risk tolerance" is an indicator that indicates how much risk a user can accept in an investment.

[1184] "Investment experience" indicates the user's investment history, knowledge, and level of experience.

[1185] "Investment advice" provides specific advice on what kind of investments a user should make based on the user's investment goals, risk tolerance, and experience.

[1186] "Interactive learning tools" are educational content that allows users to learn about investing through active participation.

[1187] An "automated investment plan" is a plan that is automatically generated and manages and adjusts a portfolio to achieve a user's investment goals.

[1188] "Automatic portfolio adjustment" is the process of automatically optimizing a user's asset allocation based on an investment plan.

[1189] "Rebalancing" is the process of adjusting an investment portfolio to return it to its original allocation when the allocation deviates from the target.

[1190] A "community forum" is an online communication platform where investors of the same level can exchange information and opinions.

[1191] "Emotional state" refers to the psychological state of the user that is analyzed from their voice, facial expressions, and text input.

[1192] "Emotion-based investment advice" is investment advice that is optimized and provided according to the user's emotional state.

[1193] "Cooking support" refers to various types of assistance and guidance provided to users when cooking.

[1194] "Information exchange" refers to the act of users sharing their knowledge and opinions about investments and cooking with each other.

[1195] The present invention is a system for providing an advanced food delivery service based on the emotional state of a user. Specific embodiments are described below.

[1196] System Components

[1197] This system consists of the following elements:

[1198] 1. User terminal: A device such as a smartphone or tablet.

[1199] 2. Server: A back-end system that manages user profiles and emotional data and provides various services.

[1200] 3. Emotion recognition engine: Software that analyzes the user's emotional state.

[1201] 4. Database: A storage system for storing user profiles, sentiment data and food recommendations.

[1202] System Features

[1203] 1. Creating and managing user profiles

[1204] A user installs the application and enters basic information (such as name, email address, food preferences, and allergy information). The user's device sends this information to the server, which then generates a user profile based on the information and stores it in a database. The user profile is then used to provide food delivery services based on the user's emotional state.

[1205] 2. Implementing the Emotion Engine

[1206] When a user launches an application and inputs voice, video, or text data, the user device sends it to the emotion recognition engine. The server receives the analysis results from the emotion recognition engine and identifies the user's emotional state. For example, if the user is tired, the emotional state is recognized as "fatigue."

[1207] 3. Personalized Food Recommendations

[1208] The server then suggests appropriate dishes based on the user's emotional state. For example, if the user is "fatigued," the server suggests dishes suitable for a light meal or energy replenishment. These suggestions are sent to the user's terminal and displayed to the user.

[1209] 4. Interactive Cooking Support

[1210] When a user wants to cook at home, the user's device sends the selection information to the server, which then provides recipes based on the user's emotional state. For example, if the user is in a "joy" state, the server will provide fun and easy recipes. It also provides interactive content in the form of quizzes and games, making cooking more enjoyable.

[1211] 5. Community Forum

[1212] The server provides a community forum for users to exchange information with other users. Users can access the forum and share recipes and cooking ratings with other users. The server analyzes the posts using an emotion engine and provides feedback based on the user's emotional state.

[1213] Specific examples

[1214] Below are some examples of specific usage scenarios:

[1215] User registration and profile creation

[1216] A user creates an account and enters information such as "Name: Yamada Taro," "Email address: taro@example.com," "Food preference: Japanese food," and "Allergy: nuts." The user's device sends this information to the server, which then generates a user profile and stores it in a database.

[1217] Personalized Food Recommendations

[1218] When a user inputs "I'm tired today," the emotion recognition engine determines the user's emotional state as "fatigue." The server then suggests snacks and dishes with a relaxing effect and sends them to the user's device.

[1219] Prompt Sentence Examples

[1220] Create an application that uses the emotion recognition API to analyze the user's emotions based on the following user profile data, and recommend food delivery options based on their emotional state. Emotional states are classified as "stressed," "happy," or "tired."

[1221] User Information:

[1222] Name: Ichiro Tanaka

[1223] Email address: ichiro@example.com

[1224] Favorite food: Curry, sushi

[1225] Allergens: nuts

[1226] Purpose of the meal: Maintaining health

[1227] Emotional Data:

[1228] Audio: user_audio

[1229] Video: user_video

[1230] Text: "I'm very tired today"

[1231] Combine this information to make appropriate food suggestions.

[1232] In this way, the present invention allows for the provision of food delivery services that are tailored to the user's emotional state.

[1233] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1234] Step 1:

[1235] The user installs the application and enters basic information (such as name, email address, food preferences, allergy information, etc.) to create a user profile. The device sends this information to the server, which receives it, creates a user profile, and stores it in a database. The input data is the user's basic information, and the output is the user profile.

[1236] Step 2:

[1237] When a user wants to order a meal, they input data, either voice, video, or text. The device sends this emotional data to an emotion recognition engine. The emotion recognition engine analyzes the input data, recognizes the user's emotional state (e.g., "fatigue" or "joy"), and sends it to the server. The input data is emotional data, and the output is the emotional state.

[1238] Step 3:

[1239] The server then suggests the most suitable dishes based on the received emotional state and user profile. For example, if the emotional state is "fatigue," it will list light meals and dishes with a relaxation effect. The server then sends the list of suggested dishes to the user's device. The input data are the emotional state and the user profile, and the output is a list of suggested dishes.

[1240] Step 4:

[1241] When a user selects a dish to order from the provided list of dishes, the selection information is sent from the terminal to the server. The server processes the order information and sends the order to the corresponding restaurant or delivery service. The input data is the user's selection information, and the output is order confirmation information.

[1242] Step 5:

[1243] When a user wants to cook at home, a recipe request is sent from the device to the server. The server provides an appropriate recipe based on the user's emotional state. For example, if the emotional state is "joy," the server selects a fun and easy recipe. The selected recipe is sent to the user's device. The input data is the recipe request and the user's emotional state, and the output is the appropriate recipe.

[1244] Step 6:

[1245] When a user accesses a community forum and exchanges information with other users, the device sends the posted content to the server. The server analyzes the posted content using an emotion engine and provides appropriate comments and feedback based on the user's emotional state. For example, if a comment indicates "anxiety," the server generates feedback that provides a sense of security. The input data is the posted content, and the output is feedback.

[1246] In this way, the entire system can work together to provide optimal food delivery services and interactive experiences based on the user's emotions.

[1247] 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.

[1248] 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.

[1249] 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.

[1250] [Third embodiment]

[1251] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[1252] 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.

[1253] 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).

[1254] 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.

[1255] 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.

[1256] 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).

[1257] 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.

[1258] 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.

[1259] 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.

[1260] 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.

[1261] 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.

[1262] 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."

[1263] This invention provides a comprehensive system to assist beginners in asset management, specifically designed to enable beginners to safely and effectively learn and practice investing. The system consists of four main functions: personalized investment advice based on user profiles, interactive learning tools, an automated investment planner, and a community forum.

[1264] Creating and managing user profiles

[1265] The server generates a user profile based on the basic information entered by the user (such as name, email address, investment experience, and risk tolerance) and stores it in a database. This profile is used to generate investment goals and advice, customize learning content, and adjust the automated investment planner.

[1266] Personalized Investment Advice

[1267] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI to generate individual investment advice based on the user's profile and investment goals. The generated advice is then displayed to the user through their device. For example, a user with a medium risk tolerance may be offered a balanced portfolio with a diverse asset allocation.

[1268] Interactive Learning Tools

[1269] If a user wants to learn about asset management, they select an interactive learning tool (such as a game or quiz) provided through their device. The device sends the selection information to the server, which then generates the corresponding learning content and sends it to the device. The content also includes investment simulations using real-time market data. For example, if a user selects "The Basics of Stock Investment," they can learn by following a scenario using historical stock market data.

[1270] Automated Investment Planner

[1271] When a user wishes to create an investment plan, they enter their investment goals and risk profile in detail through their device. The device then sends the configuration information to the server, which then uses AI to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio to help users achieve their goals. For example, an investment plan is generated that requires users to save a fixed amount each month, and asset allocation is automatically adjusted based on that.

[1272] Community Forum

[1273] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on the device. Users can post questions or information and receive feedback from other investors and experts. For example, if a user posts "I'm looking for opinions on recent market trends," comments from other users and experts will be displayed in real time.

[1274] Specific examples

[1275] Specific usage scenarios include:

[1276] 1. User registration and profile creation

[1277] User: A beginner who is interested in investing registers by entering the necessary information into the system.

[1278] Terminal: Sends registration information to the server.

[1279] Server: Generates user profiles and stores them in a database.

[1280] 2. Receive personalized investment advice

[1281] Users: Set investment goals and request advice.

[1282] Terminal: Sends investment goals to the server.

[1283] Server: Generates investment advice and sends it to the terminal.

[1284] Terminal: Display the advice in the user interface.

[1285] 3. Use of interactive learning tools

[1286] Users: Select a learning tool to get started.

[1287] Terminal: Sends selection information to the server, receives learning content, and displays it.

[1288] Server: Generates learning content using real-time market data.

[1289] 4. Create and execute automated investment plans

[1290] Users: Set investment goals and risk profile.

[1291] Terminal: Sends configuration information to the server.

[1292] Server: Generates an automatic investment plan and sends it to the device.

[1293] Terminal: The investment plan is displayed and approved by the user.

[1294] 5. Participate in community forums

[1295] Users: Access the forum and exchange information.

[1296] Terminal: View the latest forum updates.

[1297] Server: Processes the posted content and notifies other users.

[1298] This system allows even those new to asset management to learn efficiently while receiving support in their investment practices, and guarantees safety and transparency.

[1299] The processing flow will be explained below.

[1300] Personalized Investment Advice

[1301] Step 1: User Input

[1302] User: Enter basic information (name, email address, investment experience, risk tolerance, etc.).

[1303] Terminal: Sends input data to the server.

[1304] Step 2: Generate a profile

[1305] Server: Generates a user profile based on the received data and stores it in a database.

[1306] Step 3: Set your investment goals

[1307] User: Set specific investment goals (amount, period, etc.).

[1308] Terminal: Sends configuration information to the server.

[1309] Step 4: Investment advice generation

[1310] Server: AI generates optimal investment advice based on user profile and investment goals.

[1311] Terminal: The advice content is displayed on the user interface.

[1312] User: Review the advice provided.

[1313] Interactive Learning Tools

[1314] Step 1: Select a learning tool

[1315] User: Selects learning tools (games and quizzes) available on the device.

[1316] Terminal: Sends the selection information to the server.

[1317] Step 2: Provide learning content

[1318] Server: Generates content corresponding to the selected learning tool and transmits it to the terminal.

[1319] Terminal: Displays learning content (quizzes and game screens) to the user.

[1320] User: Answer quizzes and progress through games.

[1321] Step 3: Provide feedback

[1322] Terminal: Sends the user's answers and operations to the server.

[1323] Server: Analyzes the received data and generates correct answers and explanations.

[1324] Terminal: Display feedback in the user interface.

[1325] User: Review the feedback and retrain if necessary.

[1326] Automated Investment Planner

[1327] Step 1: Set your investment goals and risk profile

[1328] Users: Set detailed investment goals and risk profiles.

[1329] Terminal: Sends configuration information to the server.

[1330] Step 2: Create an automated investment plan

[1331] Server: Based on the received investment goals and risk profile, the AI ​​generates an optimal investment plan.

[1332] Terminal: Displays the generated investment plan in a user interface.

[1333] User: Review the investment plan and make any necessary amendments or approvals.

[1334] Step 3: Automatically adjust and rebalance your portfolio

[1335] Server: Periodically collects market data and optimizes users' portfolios.

[1336] Terminal: Displays the latest portfolio status in the user interface.

[1337] User: Check the progress of their portfolio and set up additional investments from their device.

[1338] Community Forum

[1339] Step 1: Visit the community forums

[1340] Users: Access community forums from their devices.

[1341] Terminal: Retrieves the latest forum posting information from the server and displays it.

[1342] Step 2: New Post

[1343] Users: Post new questions or information to the forum.

[1344] Terminal: Sends the posted content to the server.

[1345] Server: Stores the post in a database and distributes it to other users.

[1346] Step 3: Real-time communication

[1347] Server: Processes new forum posts and comments in real time and notifies relevant users.

[1348] Terminal: Display new comments and feedback in the user interface.

[1349] Users: Exchange information with other users in real time.

[1350] Example 1

[1351] 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."

[1352] Traditional asset management systems were complex and difficult for beginners to understand, and they lacked risk management and learning support. They also lacked personalized advice and automated investment plans based on investment goals, making it difficult to effectively manage assets. Another issue was the lack of a community forum where investors could exchange information with others at the same level.

[1353] 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.

[1354] In this invention, the server includes: means for generating investment advice based on a user's investment goals, risk tolerance, and investment experience; means for generating a user profile based on basic information entered by the user and saving the profile in a database; means for providing interactive learning tools that allow users to learn investment from the basics to advanced applications step by step; means for creating an automatic investment plan based on the user's goals and for automatically adjusting and rebalancing the portfolio using AI; means for displaying advice generated based on the user profile and investment goals on a terminal; means for providing a community forum where investors at the same level can exchange information; and means for performing investment simulations using real-time market data, thereby enabling even beginners to manage their assets safely and effectively.

[1355] An "investment goal" is a goal that sets a specific amount and period that a user wants to achieve through asset management.

[1356] "Risk tolerance" is an indicator that indicates the degree of risk a user can accept in an investment.

[1357] "Investment experience" indicates the level of investment activities and knowledge that the user has had in the past.

[1358] "Investment Advice" means advice regarding optimal investment strategies and asset allocations based on a User's profile and investment goals.

[1359] "Interactive learning tools" are educational content in the form of games or quizzes that enhance learning through user participation.

[1360] A "user profile" is a collection of data generated based on basic information entered by a user into the system, and reflects the characteristics of each individual user.

[1361] An "automated investment plan" is an investment plan that is automatically created using AI based on the user's investment goals and risk profile.

[1362] "Automatic Portfolio Adjustments" are adjustments made automatically to optimize asset allocation within a user's portfolio based on market data.

[1363] "Rebalancing" is the process of adjusting the asset allocation within a portfolio to return it to the optimal balance when it deviates from the optimal balance.

[1364] A "Community Forum" is an online platform for like-minded investors to exchange information and ask questions.

[1365] "Real-time market data" means up-to-date financial data that reflects current market conditions.

[1366] "Investment simulation" is a method of simulating investment results using past or predicted market data.

[1367] "AI" stands for artificial intelligence technology, a system that makes advanced judgments and predictions through machine learning and data analysis.

[1368] A "server" is a computer system used to process requests and manage data over a network.

[1369] A "terminal" is a device such as a computer or smartphone that a user uses to perform operations.

[1370] This invention is a comprehensive system to support beginners in asset management, specifically designed to enable even beginners to learn and practice investing safely and effectively. This system consists of four main functions: personalized investment advice based on user profiles, interactive learning tools, an automated investment planner, and a community forum. Each function is explained in detail below.

[1371] Creating and managing user profiles

[1372] Users access the system using a terminal and enter basic information such as their name, email address, investment experience, and risk tolerance. The terminal sends this information to the server, which stores it in a database (e.g., MySQL). The server generates a user profile based on the information it receives. This profile is used to generate investment goals and advice, customize learning content, and adjust the automated investment planner.

[1373] Personalized Investment Advice

[1374] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI (generative AI model) to generate individual investment advice based on the user's profile and investment goals. The generated advice is then displayed to the user through their device. For example, a user with a medium risk tolerance may be offered a balanced portfolio with a diverse asset allocation.

[1375] Interactive Learning Tools

[1376] If a user wants to learn about asset management, they select an interactive learning tool (such as a game or quiz) provided through their device. The device sends the selection information to the server, which then generates the corresponding learning content and sends it to the device. The content also includes investment simulations using real-time market data. For example, if a user selects "The Basics of Stock Investment," they can learn by following a scenario using historical stock market data.

[1377] Automated Investment Planner

[1378] When a user wishes to create an investment plan, they enter their investment goals and risk profile in detail through their device. The device then sends the configuration information to a server, which then uses AI (generative AI models) to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio to help users achieve their goals. For example, an investment plan is generated that requires users to save a fixed amount each month, and asset allocation is automatically adjusted based on that plan.

[1379] Community Forum

[1380] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on the device. Users can post questions or information and receive feedback from other investors and experts. For example, if a user posts "I'm looking for opinions on recent market trends," comments from other users and experts will be displayed in real time.

[1381] Prompt Sentence Examples

[1382] Below are some examples of prompts for this system:

[1383] User registration and profile creation

[1384] "My name is Taro Yamada, my email address is taro_yamada@example.com, my investment experience is beginner, and my risk tolerance is moderate. Please generate a user profile using this information."

[1385] Receive personalized investment advice

[1386] "What investment advice would you give me to aim for 1 million yen in 5 years?"

[1387] Use of interactive learning tools

[1388] "I'd like to learn the basics of stock investing. Please provide me with the appropriate learning tools."

[1389] Create and execute automated investment plans

[1390] "Create an investment plan to save 10,000 yen a month."

[1391] Community Forum Participation

[1392] "I'm looking for your opinion on recent market trends. Please post in the forum."

[1393] This system allows even those new to asset management to learn efficiently while receiving support in their investment practices, and guarantees safety and transparency.

[1394] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1395] Creating and managing user profiles

[1396] Step 1: Enter your user registration information

[1397] Users log in to the system using a terminal and enter basic information such as their name, email address, investment experience, risk tolerance, etc. This becomes the input data.

[1398] Specific actions

[1399] The user fills in the required information on the registration form.

[1400] The terminal validates the input in real time and formats it appropriately.

[1401] Input: Name, email address, investment experience, risk tolerance

[1402] Output: Formatted user information data

[1403] Step 2: Submit your input

[1404] The terminal transmits the input information to the server.

[1405] Specific actions

[1406] The terminal encodes the input information in JSON format and sends it to the server via the HTTPS protocol.

[1407] Input: Formatted user information data

[1408] Output: JSON data sent to the server

[1409] Step 3: Create and save a user profile

[1410] The server generates a user profile based on the received information and stores it in a database.

[1411] Specific actions

[1412] The server decodes the received data, performs data analysis, and then generates a user profile.

[1413] The server stores the generated user profile in a database (e.g. MySQL).

[1414] Input: Received JSON data

[1415] Output: User profile stored in the database

[1416] Personalized Investment Advice

[1417] Step 1: Set your investment goals

[1418] The user sets his or her investment goals (amount, period, etc.) through the terminal.

[1419] Specific actions

[1420] The user enters investment goal information into the goal setting form.

[1421] The terminal validates the input and formats it appropriately.

[1422] Input: Investment goal (amount, period)

[1423] Output: Formatted investment goal data

[1424] Step 2: Sending configuration information

[1425] The terminal transmits the set investment target information to the server.

[1426] Specific actions

[1427] The terminal encodes the investment target information in JSON format and sends it to the server.

[1428] Input: Formatted investment goal data

[1429] Output: JSON data sent to the server

[1430] Step 3: Generate investment advice

[1431] The server uses AI (generative AI model) to generate investment advice based on the user profile and investment goals.

[1432] Specific actions

[1433] The server analyzes user profile and investment goal data and uses generative AI models to generate personalized investment advice.

[1434] Input: User profile data, investment goal data

[1435] Output: Generated investment advice data

[1436] Step 4: Providing advice

[1437] The terminal displays the received investment advice to the user.

[1438] Specific actions

[1439] The terminal decodes the advice data received from the server and displays it to the user in a visually easy-to-understand format.

[1440] Input: Generated investment advice data

[1441] Output: Investment advice displayed to the user

[1442] Interactive Learning Tools

[1443] Step 1: Choose a learning tool

[1444] The user uses the terminal to select the content they want to learn.

[1445] Specific actions

[1446] The user selects something from the list of learning tools, such as "Stock Investing Basics."

[1447] The terminal confirms the selection information and sends it to the server.

[1448] Input: Selected Study Tool

[1449] Output: Selection information to send to the server

[1450] Step 2: Generate learning content

[1451] The server generates learning content based on the content selected by the user.

[1452] Specific actions

[1453] A server collects market data related to the selected learning tool and generates a learning scenario.

[1454] Input: Selection information

[1455] Output: Generated learning content

[1456] Step 3: View learning content

[1457] The terminal displays the received study content to the user.

[1458] Specific actions

[1459] The terminal analyzes the learning content data received from the server and displays it to the user via the learning interface.

[1460] Input: Generated learning content

[1461] Output: The learning content that is displayed to the user

[1462] Automated Investment Planner

[1463] Step 1: Set up your investment plan

[1464] Users enter detailed investment goals and risk profiles.

[1465] Specific actions

[1466] The user enters the monthly savings amount, investment period, and risk tolerance.

[1467] The terminal sends the input information to the server.

[1468] Inputs: Investment Objectives, Risk Profile

[1469] Output: Formatted investment plan data

[1470] Step 2: Sending configuration information

[1471] The terminal transmits the set investment plan information to the server.

[1472] Specific actions

[1473] The terminal encodes the investment plan information in JSON format and sends it to the server.

[1474] Input: Formatted investment plan data

[1475] Output: JSON data sent to the server

[1476] Step 3: Generate an investment plan

[1477] The server uses AI (generative AI model) to generate an automated investment plan.

[1478] Specific actions

[1479] The server analyzes the input information and generates an automated investment plan.

[1480] Input: Input investment plan data

[1481] Output: Generated automated investment plan data

[1482] Step 4: Adjust your investment plan

[1483] The terminal displays the generated investment plan to the user for approval.

[1484] Specific actions

[1485] The terminal visually presents the plan and awaits the user's approval.

[1486] Input: Generated investment plan data

[1487] Output: Approved investment plan

[1488] Community Forum

[1489] Step 1: Access the forum

[1490] A user accesses a community forum using a terminal.

[1491] Specific actions

[1492] A user accesses the community forum by clicking on the icon.

[1493] The device retrieves and displays the latest information from the forum.

[1494] Input: Forum Access Request

[1495] Output: The most recent forum information displayed

[1496] Step 2: Create a Post

[1497] Users post questions and opinions.

[1498] Specific actions

[1499] The user enters the content of the post (e.g., "Seeking opinions on recent market trends") and presses the send button.

[1500] The device sends the post content to the server.

[1501] Input: Post content

[1502] Output: Post content sent to the server

[1503] Step 3: View your feedback

[1504] The server updates the content of the forum and notifies the user.

[1505] Specific actions

[1506] The server receives the posts and shares them within the community.

[1507] The device displays feedback to the user.

[1508] Input: Post content received by the server

[1509] Output: Feedback that is displayed to the user

[1510] The detailed processing steps described above enable even beginners in asset management to learn efficiently while also being supported in the practice of investment, and guarantee safety and transparency.

[1511] (Application example 1)

[1512] 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."

[1513] Beginners to asset management lack knowledge and experience in investing, making it difficult to manage their assets safely and effectively. Furthermore, existing investment support systems provide separate investment advice and learning tools, and do not provide an environment where users can use these tools comprehensively. Furthermore, the lack of virtual investment simulations and investment plans based on real-time data makes it difficult for users to learn about and practice investing with confidence.

[1514] 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.

[1515] In this invention, the server includes: means for generating investment advice based on a user's investment goals, risk tolerance, and investment experience; means for providing interactive learning tools that allow users to learn investment from the basics to advanced applications step by step; means for creating an automatic investment plan based on the user's goals and automatically adjusting and rebalancing the portfolio; means for providing a community forum where users can exchange information with investors at the same level; means for conducting investment simulations in a virtual space that allow users to visually experience investment plans; and means for generating and managing a user profile on a smartphone and displaying personalized investment advice in real time according to the user's investment goals and risk tolerance. This makes it possible to provide an environment in which even beginners in asset management can learn about and practice investing in a comprehensive and safe manner.

[1516] A "user profile" is a collection of data such as a user's basic information, investment experience, risk tolerance, and investment goals.

[1517] "Investment advice" refers to specific asset management suggestions provided based on a user's investment goals and risk tolerance.

[1518] "Interactive learning tools" are features that allow users to learn investment knowledge and skills in the form of games and quizzes.

[1519] An "automated investment plan" is an investment plan created using AI based on a user's goals and risk profile, including automatic portfolio adjustments and rebalancing.

[1520] A "community forum" is an online platform for like-minded investors to exchange information.

[1521] A "virtual space" is a digital simulation space where users can conduct investment simulations in a realistic environment.

[1522] A "smartphone" is a mobile terminal for communication and information processing, and is a device on which applications are installed and used.

[1523] "Real-time" means that processing and data delivery occurs immediately in actual time.

[1524] "Investment Simulation" is a function that uses past market data and other information to virtually predict investment results while learning and planning.

[1525] This invention provides a system for supporting beginners in asset management, and in particular includes a function for conducting investment simulations using a virtual space and a function for displaying real-time investment advice on a smartphone.

[1526] First, a user uses their smartphone to enter basic information (e.g., name, email address, investment experience, risk tolerance, etc.) to create a user profile. This information is sent from the smartphone to a server and stored in a database. This user profile is used to provide personalized investment advice based on investment goals and risk tolerance, provide interactive learning tools, and adjust automated investment plans.

[1527] When a user wants investment advice, they set their investment goals (amount, period, etc.) on their smartphone and send it to the server. The server then generates AI-powered investment advice based on the user's profile and investment goals and sends it to the smartphone. This allows the user to receive personalized investment advice in real time.

[1528] Furthermore, users can learn about investing using learning tools. They select a learning tool (e.g., a game or quiz) on their smartphone and send the selection information to the server. The server then sends learning content generated using real-time market data to the smartphone, allowing users to learn interactively.

[1529] When a user wants to create an automated investment plan, they use their smartphone to set up their investment goals and risk profile in detail, then send the settings to the server. The server then uses AI to generate an automated investment plan and sends it to the smartphone. This plan also includes a function to automatically adjust and rebalance the portfolio, helping the user achieve their investment goals.

[1530] Users can also access a community forum to exchange information with other investors. The server retrieves the latest information from the forum and displays it on their smartphone, providing an environment where users can post questions and information and receive feedback.

[1531] It also allows users to simulate investment results in a virtual space using a smartphone or head-mounted display in a realistic environment, allowing them to visually experience investment plans and learn about investing in a more realistic way.

[1532] The system's program consists of a backend server using Python and Django, an AI model using TensorFlow or PyTorch, a database using MySQL or PostgreSQL, and a smartphone application using React Native.

[1533] Examples of concrete examples and prompts

[1534] For example, consider a scenario in which a new user registers with an app to obtain investment advice. The user enters basic information into the app to create a profile, then sets investment goals and receives personalized investment advice from the server, including portfolio suggestions based on the user's risk tolerance.

[1535] Example prompt sentence:

[1536] "Implement a scenario where a new user registers with the app and gets investment advice based on the user's risk tolerance."

[1537] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1538] Step 1:

[1539] The user enters basic information on their smartphone to create a user profile.

[1540] Input: User's basic information (name, email address, investment experience, risk tolerance, etc.)

[1541] Processing: The terminal collects basic information about the user and structures the input data.

[1542] Output: Request data to send to the server based on the input data.

[1543] Step 2:

[1544] The server generates a user profile based on the received basic information of the user and stores it in a database.

[1545] Input: Basic user information sent from the smartphone

[1546] Processing: The server stores the received data in a database and generates a user profile.

[1547] Output: Stored user profile data, which is used in further processing.

[1548] Step 3:

[1549] Users set investment goals and request personalized investment advice from their smartphones.

[1550] Input: User's investment goal (target amount, target period, etc.)

[1551] Processing: The terminal receives the investment objectives input by the user and generates request data to be sent to the server.

[1552] Output: Sends the request data to the server.

[1553] Step 4:

[1554] The server uses AI models to generate investment advice based on the user profile and investment goals.

[1555] Input: User profile data, investment goals

[1556] Processing: The server inputs this data into an AI model to generate investment advice based on risk tolerance and investment experience. Specifically, the model, trained using TensorFlow and PyTorch, suggests optimal investment portfolios.

[1557] Output: Generated personalized investment advice.

[1558] Step 5:

[1559] The device displays personalized investment advice.

[1560] Input: Investment advice received from the server

[1561] Processing: The terminal displays the received advice in a format suitable for the user interface, for example, as a list of recommended investment products and asset allocation details.

[1562] Output: Visually easy-to-understand display of investment advice for the user.

[1563] Step 6:

[1564] Users select learning tools and learn interactively.

[1565] Input: User's study tool selection (study topic, quiz, game, etc.)

[1566] Processing: The device sends the user's selection information to the server, which then generates corresponding learning content and sends it to the device.

[1567] Output: Content that users can use to learn using the learning tools.

[1568] Step 7:

[1569] A server generates learning content using real-time market data.

[1570] Input: Study topics, real-time market data

[1571] Processing: The server collects real-time market data and generates relevant learning scenarios, such as investment scenarios using historical market data, and provides them to users as learning tools.

[1572] Output: Learning content including learning scenarios.

[1573] Step 8:

[1574] Users create and run automated investment plans.

[1575] Input: User's detailed investment goals, risk profile

[1576] Processing: The device sends the user's detailed configuration information to the server, which then uses AI to generate an automated investment plan. The plan periodically collects market data and automatically adjusts and rebalances the portfolio.

[1577] Output: Automated investment plan and execution.

[1578] Step 9:

[1579] Users access community forums and exchange information.

[1580] Input: User forum access requests, posts, and questions

[1581] Processing: The server retrieves the latest information from the forum and sends it to the terminal. Users can receive real-time feedback through an interface to exchange information with other investors.

[1582] Output: Forum updates, posts, and feedback.

[1583] 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.

[1584] This invention combines an emotion engine with a comprehensive system to assist beginners in asset management, providing advanced support based on the user's emotional state. The system consists of five main functions: personalized investment advice based on user profiles, an interactive learning tool, an automated investment planner, a community forum, and an emotion engine.

[1585] Creating and managing user profiles

[1586] The server generates a user profile based on the basic information entered by the user (such as name, email address, investment experience, and risk tolerance) and stores it in a database. This profile is used to generate investment goals and advice, customize learning content, adjust the automated investment planner, and perform analysis using the sentiment engine.

[1587] Personalized Investment Advice

[1588] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI to generate individual investment advice based on the user's profile and investment goals. During this process, the server uses an emotion engine to analyze the user's emotional state and provides advice adapted to that state. The generated advice is then displayed to the user through their device. For example, if the server detects that the user is feeling stressed, it will suggest low-risk investment products.

[1589] Interactive Learning Tools

[1590] When a user wants to learn about asset management, they select an interactive learning tool (such as a game or quiz) provided through their device. The device sends the selection information to the server, which then generates corresponding learning content and sends it to the device. The server recognizes the user's emotional state in real time while learning and customizes the learning content. For example, if the server recognizes that the user is tired, it switches to simple quiz-style content.

[1591] Automated Investment Planner

[1592] When a user wishes to create an investment plan, they enter their investment goals and risk profile in detail through their device. The device then sends the configuration information to the server, which then uses AI to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio to help the user achieve their goals. The server also adjusts the plan based on the user's emotional state. For example, if the user feels anxious, it will make adjustments to reduce risk.

[1593] Community Forum

[1594] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on their device. Users can post questions or information and receive feedback from other investors and experts. During this process, the server uses an emotion engine to analyze the tone and emotional state of the post and recommend experts who will provide appropriate feedback.

[1595] Implementing the Emotion Engine

[1596] The emotion engine has the ability to recognize the user's emotional state in real time by analyzing their voice, facial expressions, text input, etc. The server collects this data and uses the emotion engine to identify the user's emotional state. This information is reflected in the provision of various services (investment advice, learning tools, automated investment planner, community forum).

[1597] Specific examples

[1598] Specific usage scenarios include:

[1599] 1. User registration and profile creation

[1600] User: A beginner who is interested in investing registers by entering the necessary information into the system.

[1601] Terminal: Sends registration information to the server.

[1602] Server: Generates user profiles and stores them in a database.

[1603] 2. Receive personalized investment advice

[1604] Users: Set investment goals and request advice.

[1605] Terminal: Sends investment goals to the server.

[1606] Server: When generating investment advice, the emotion engine analyzes the user's emotions and provides appropriate advice.

[1607] Terminal: Display the advice in the user interface.

[1608] 3. Use of interactive learning tools

[1609] Users: Select a learning tool to get started.

[1610] Terminal: Sends selection information to the server, receives learning content, and displays it.

[1611] Server: Recognizes user emotions in real time and customizes learning content.

[1612] 4. Create and execute automated investment plans

[1613] Users: Set investment goals and risk profile.

[1614] Terminal: Sends configuration information to the server.

[1615] Server: Generates an automated investment plan and makes adjustments taking into account the user's emotional state.

[1616] Terminal: The investment plan is displayed and approved by the user.

[1617] 5. Participate in community forums

[1618] Users: Access the forum and exchange information.

[1619] Terminal: View the latest forum updates.

[1620] Server: Analyzes posts using a sentiment engine and provides appropriate comments and feedback.

[1621] This system allows even beginners to asset management to learn efficiently while being supported in their investment practices, and the emotional engine takes the user's emotional state into consideration, creating an environment where users can use the system with greater peace of mind.

[1622] The processing flow will be explained below.

[1623] User profile creation and management

[1624] Step 1: Enter your user registration information

[1625] User: Enter basic information (name, email address, investment experience, risk tolerance).

[1626] Terminal: Sends the entered information to the server.

[1627] Step 2: Create a user profile

[1628] Server: Generates a user profile based on the received information and stores it in a database.

[1629] Personalized Investment Advice

[1630] Step 1: Set your investment goals

[1631] User: Set specific investment goals (amount, period) through the terminal.

[1632] Terminal: Sends configuration information to the server.

[1633] Step 2: Generate investment advice

[1634] Server: AI generates optimal investment advice based on user profile and investment goals.

[1635] Server: Further analyzes the user's current emotional state using an emotion engine.

[1636] Server: Adjusts investment risk and advice content according to emotional state.

[1637] Step 3: Providing investment advice

[1638] Server: Generates optimized investment advice and sends it to the terminal.

[1639] Terminal: The advice content is displayed on the user interface.

[1640] User: Review the advice provided.

[1641] Interactive Learning Tools

[1642] Step 1: Choose a learning tool

[1643] User: Selects learning tools (games and quizzes) available through the device.

[1644] Terminal: Sends the selection information to the server.

[1645] Step 2: Provide learning content

[1646] Server: Generates content corresponding to the selected learning tool.

[1647] Server: Uses an emotion engine to recognize the user's emotional state in real time and provide appropriate content.

[1648] Device: Displays learning content (quizzes and game screens).

[1649] User: Answer quizzes and progress through games.

[1650] Step 3: Provide feedback

[1651] Terminal: Sends all user responses and operation data to the server.

[1652] Server: Based on the analysis results, generate the accuracy rate and explanation for each user in real time.

[1653] Terminal: Display feedback in the user interface.

[1654] Users: Review the feedback and retrain as needed.

[1655] Automated Investment Planner

[1656] Step 1: Set your investment goals and risk profile

[1657] Users: Define their investment goals and risk profile in detail.

[1658] Terminal: Sends configuration information to the server.

[1659] Step 2: Create an automated investment plan

[1660] Server: Based on the received investment goals and risk profile, the AI ​​generates an optimal investment plan.

[1661] Server: Uses an emotion engine to make adjustments that take into account the user's emotional state.

[1662] Terminal: Displays the generated investment plan in a user interface.

[1663] User: Review the investment plan and make any necessary amendments or approvals.

[1664] Step 3: Automatically adjust and rebalance your portfolio

[1665] Server: Periodically collects market data and optimizes users' portfolios.

[1666] Server: Uses the emotion engine to make adjustments based on the user's emotional state.

[1667] Terminal: Displays the latest portfolio status in the user interface.

[1668] User: Check the progress of the portfolio and make additional investments if necessary.

[1669] Community Forum

[1670] Step 1: Visit the community forums

[1671] Users: Access community forums from their devices.

[1672] On your device: Retrieve the latest forum postings from the server and display them.

[1673] Step 2: Create a new post

[1674] Users: Post new questions or information to the forum.

[1675] Terminal: Sends the posted content to the server.

[1676] Step 3: Post analysis and notifications

[1677] Server: Saves the posted content in a database and notifies other users.

[1678] Server: Uses a sentiment engine to analyze the tone and emotional state of posts.

[1679] On the device: Provide appropriate feedback and comments based on the analysis results.

[1680] Implementing the Emotion Engine

[1681] Step 1: Collecting emotion data

[1682] Terminal: Collects emotional data such as voice, facial expressions, and text input.

[1683] Step 2: Sending emotion data

[1684] Terminal: Sends collected emotion data to the server.

[1685] Step 3: Analyze your emotional state

[1686] Server: Analyzes received emotion data in real time using the emotion engine.

[1687] Step 4: Integrate with the service

[1688] Server: Based on the analysis results, various services (investment advice, learning tools, automated investment planner, community forum) are provided.

[1689] This allows the system to take into account the user's emotional state and provide more personalized and effective support.

[1690] Example 2

[1691] 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."

[1692] Conventional asset management systems provide uniform investment advice, educational content, and automated investment plans without considering the user's emotional state, which makes it difficult to alleviate the anxiety and stress felt by users. Furthermore, it is difficult to provide personalized support to individual users, making them difficult to use, especially for beginners. As a result, it is difficult for users to efficiently learn asset management knowledge or continue investing with peace of mind.

[1693] The specification processing by the specification 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 generating investment advice based on the user's investment goals, risk tolerance, and investment experience, a means for providing interactive learning tools that allow the user to learn investment from the basics to advanced applications step by step, and a means for creating an automatic investment plan based on the user's goals and automatically adjusting and rebalancing the portfolio. This makes it possible to recognize the user's emotional state and adjust investment advice, learning content, and automatic investment plans to suit that state.

[1694] "Investment Advice" means investment guidance or recommendations generated based on a User's investment objectives, risk tolerance, and investment experience.

[1695] "Interactive learning tools" refers to interactive educational tools designed to enable users to learn investment fundamentals through to advanced applications in a step-by-step manner.

[1696] "Automated Investment Plan" refers to an investment plan that is created based on the investment goals and risk profile set by the user and automatically adjusts and rebalances the portfolio.

[1697] A "community forum" refers to an online platform where investors of the same level can exchange information.

[1698] "Emotional state" refers to the user's psychological state, such as stress or satisfaction, analyzed from the user's voice, facial expression, text input, etc.

[1699] An "emotion engine" refers to technology that recognizes a user's emotional state in real time and provides appropriate advice and adjusts content based on that state.

[1700] "Automatic portfolio adjustment" refers to the process of periodically optimizing asset allocation based on a user's investment goals and risk profile.

[1701] "Rebalancing" refers to the process of periodically buying and selling assets to balance investments across different asset classes.

[1702] This invention combines an emotion engine with a comprehensive system to assist beginners in asset management, providing advanced support based on the user's emotional state. The system consists of five main functions: personalized investment advice based on user profiles, interactive learning tools, an automated investment planner, a community forum, and an emotion engine.

[1703] Creating and managing user profiles

[1704] The server generates a user profile based on the basic information entered by the user (such as name, email address, investment experience, and risk tolerance) and stores it in a database. This profile is used to generate investment goals and advice, customize learning content, adjust the automated investment planner, and perform analysis using the sentiment engine.

[1705] Personalized Investment Advice

[1706] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI to generate individual investment advice based on the user's profile and investment goals. The server uses an emotion engine to analyze the user's emotional state and provides advice adapted to that state. The generated advice is then displayed to the user through their device. For example, if the server detects that the user is feeling stressed, it will suggest low-risk investment products.

[1707] Interactive Learning Tools

[1708] When a user wants to learn about asset management, they select an interactive learning tool (game or quiz) provided through their device. The device sends the selection information to the server, which then generates and sends the corresponding learning content. The system recognizes the user's emotional state in real time while learning and customizes the learning content. For example, if it recognizes that the user is tired, it switches to a simple quiz-style content.

[1709] Automated Investment Planner

[1710] When a user wants to create an investment plan, they set up their investment goals and risk profile in detail through their device. The device then sends the setting information to the server, which then uses AI to generate an automated investment plan. The plan periodically collects market data and automatically adjusts and rebalances the portfolio. The plan also adjusts based on the user's emotional state. For example, if the user feels anxious, it will make adjustments to reduce risk.

[1711] Community Forum

[1712] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on their device. Users can post questions or information and receive feedback from other investors and experts. The server uses an emotion engine to analyze the tone and emotional state of the posts and recommend experts who will provide appropriate feedback.

[1713] Implementing the Emotion Engine

[1714] The emotion engine recognizes the user's emotional state in real time by analyzing their voice, facial expressions, text input, etc. The server collects this data and uses the emotion engine to identify the user's emotional state. This information is reflected in various services (investment advice, learning tools, automated investment planner, community forum).

[1715] Specific examples

[1716] 1. User registration and profile creation

[1717] User: A beginner who is interested in investing registers by entering the required information into the system (name, email address, investment experience, risk tolerance, etc.).

[1718] Terminal: Sends registration information to the server.

[1719] Server: Generates user profiles and stores them in a database.

[1720] 2. Receive personalized investment advice

[1721] User: Sets investment goals (amount, period, etc.) and requests advice.

[1722] Terminal: Sends investment goals to the server.

[1723] Server: When generating investment advice, the emotion engine analyzes the user's emotions and provides appropriate advice.

[1724] Terminal: Display the advice in the user interface.

[1725] 3. Use of interactive learning tools

[1726] Users: Select a learning tool to get started.

[1727] Terminal: Sends selection information to the server, receives learning content, and displays it.

[1728] Server: Recognizes user emotions in real time and customizes learning content.

[1729] 4. Create and execute automated investment plans

[1730] Users: Set investment goals and risk profile.

[1731] Terminal: Sends configuration information to the server.

[1732] Server: Generates an automated investment plan and makes adjustments taking into account the user's emotional state.

[1733] Terminal: The investment plan is displayed and approved by the user.

[1734] 5. Participate in community forums

[1735] Users: Access the forum and exchange information.

[1736] Terminal: View the latest forum updates.

[1737] Server: Analyzes posts using a sentiment engine and provides appropriate comments and feedback.

[1738] Prompt Sentence Examples

[1739] "Please explain the specific steps for a beginner to get personalized investment advice with the support of an emotion engine."

[1740] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1741] Step 1:

[1742] A user accesses the system and enters basic information such as their name, email address, investment experience, risk tolerance, etc. The entered information is sent from the terminal to the server.

[1743] Input: Name, email address, investment experience, risk tolerance

[1744] Output: User information sent to the server

[1745] Step 2:

[1746] The server generates a user profile based on the received user information and stores the data in a database, which is used to generate investment goals and advice, customize learning content, adjust the automated investment planner, and analyze using the sentiment engine.

[1747] Input: User information

[1748] Output: Generated user profile

[1749] Step 3:

[1750] The user sets investment goals (amount, period, etc.) through the terminal and requests advice. The set investment goals are sent from the terminal to the server.

[1751] Input: Investment goal (amount, period, etc.)

[1752] Output: Investment goal sent to server

[1753] Step 4:

[1754] The server uses a generative AI model based on the user's profile and investment goals to generate personalized investment advice, and in the process, it uses an emotion engine to analyze the user's emotional state and provide advice adapted to that state.

[1755] Input: User profile, investment goals

[1756] Output: Generated investment advice

[1757] Step 5:

[1758] The generated advice is displayed to the user via the terminal. For example, if the system detects that the user is feeling stressed, it will suggest low-risk investment products.

[1759] Input: Generated Investment Advice

[1760] Output: Advice displayed on terminal

[1761] Step 6:

[1762] The user selects the learning tool they want to use (for example, a quiz to learn basic knowledge) through their terminal, and the selection information is sent from the terminal to the server.

[1763] Input: Learning tool selection information

[1764] Output: Selections sent to the server

[1765] Step 7:

[1766] The server generates the corresponding learning content and sends it to the device. It analyzes the user's emotional state in real time while learning and customizes the content as needed. For example, if it detects that the user is tired, it switches to a simple quiz-style content.

[1767] Input: Learning tool selection information

[1768] Output: Generated learning content

[1769] Step 8:

[1770] The user sets detailed investment goals and risk profiles through the terminal, and the setting information is sent from the terminal to the server.

[1771] Inputs: Investment Objectives, Risk Profile

[1772] Output: Configuration information sent to the server

[1773] Step 9:

[1774] The server uses AI to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio. It also adjusts the plan based on the user's emotional state. For example, if the user feels anxious, it will make adjustments to reduce risk.

[1775] Inputs: Investment goals, risk profile, emotional state

[1776] Output: Generated automated investment plan

[1777] Step 10:

[1778] The user checks and approves the investment plan sent to the terminal. For example, the user checks the investment plan that reflects adjustments such as "reducing risk and increasing the proportion of government bonds."

[1779] Input: Generated automatic investment plan

[1780] Output: The approved investment plan is displayed to the user.

[1781] Step 11:

[1782] A user accesses a community forum through a terminal, and the latest information on the forum is retrieved from the server and displayed on the terminal.

[1783] Input: Forum access request

[1784] Output: Display of the latest information retrieved

[1785] Step 12:

[1786] A user posts to a forum, and the server uses an emotion engine to analyze the tone and emotional state of the post and provide appropriate feedback.

[1787] Input: Forum post

[1788] Output: Analyzed tone, emotional state, provided feedback

[1789] Through these steps, the present invention provides personalized support that takes into account the user's emotional state, realizing a comprehensive system that even beginners in asset management can use with confidence.

[1790] (Application example 2)

[1791] 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."

[1792] Conventional food delivery services simply offer food options without considering the user's emotional state. As a result, they often fail to recommend dishes that best suit the user's physical and mental state, making it difficult to improve service satisfaction and the user's experience. Furthermore, they lacked the means to increase user interaction, making the meal selection process monotonous.

[1793] The specific processing by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means. In this invention, the server includes means for analyzing the user's emotional state and providing food delivery advice based on the emotion, means for providing interactive cooking support so that the user can enjoy cooking, and means for providing a community forum where users can exchange information. This enables optimal food selection according to the user's emotional state, thereby improving the satisfaction of the dining experience.

[1794] "User's investment goal" refers to the specific amount and time period that the user who makes the investment wishes to achieve.

[1795] "Risk tolerance" is an indicator that indicates how much risk a user can accept in an investment.

[1796] "Investment experience" indicates the user's investment history, knowledge, and level of experience.

[1797] "Investment advice" provides specific advice on what kind of investments a user should make based on the user's investment goals, risk tolerance, and experience.

[1798] "Interactive learning tools" are educational content that allows users to learn about investing through active participation.

[1799] An "automated investment plan" is a plan that is automatically generated and manages and adjusts a portfolio to achieve a user's investment goals.

[1800] "Automatic portfolio adjustment" is the process of automatically optimizing a user's asset allocation based on an investment plan.

[1801] "Rebalancing" is the process of adjusting an investment portfolio to return it to its original allocation when the allocation deviates from the target.

[1802] A "community forum" is an online communication platform where investors of the same level can exchange information and opinions.

[1803] "Emotional state" refers to the psychological state of the user that is analyzed from their voice, facial expressions, and text input.

[1804] "Emotion-based investment advice" is investment advice that is optimized and provided according to the user's emotional state.

[1805] "Cooking support" refers to various types of assistance and guidance provided to users when cooking.

[1806] "Information exchange" refers to the act of users sharing their knowledge and opinions about investments and cooking with each other.

[1807] The present invention is a system for providing an advanced food delivery service based on the emotional state of a user. Specific embodiments are described below.

[1808] System Components

[1809] This system consists of the following elements:

[1810] 1. User terminal: A device such as a smartphone or tablet.

[1811] 2. Server: A back-end system that manages user profiles and emotional data and provides various services.

[1812] 3. Emotion recognition engine: Software that analyzes the user's emotional state.

[1813] 4. Database: A storage system for storing user profiles, sentiment data and food recommendations.

[1814] System Features

[1815] 1. Creating and managing user profiles

[1816] A user installs the application and enters basic information (such as name, email address, food preferences, and allergy information). The user's device sends this information to the server, which then generates a user profile based on the information and stores it in a database. The user profile is then used to provide food delivery services based on the user's emotional state.

[1817] 2. Implementing the Emotion Engine

[1818] When a user launches an application and inputs voice, video, or text data, the user device sends it to the emotion recognition engine. The server receives the analysis results from the emotion recognition engine and identifies the user's emotional state. For example, if the user is tired, the emotional state is recognized as "fatigue."

[1819] 3. Personalized Food Recommendations

[1820] The server then suggests appropriate dishes based on the user's emotional state. For example, if the user is "fatigued," the server suggests dishes suitable for a light meal or energy replenishment. These suggestions are sent to the user's terminal and displayed to the user.

[1821] 4. Interactive Cooking Support

[1822] When a user wants to cook at home, the user's device sends the selection information to the server, which then provides recipes based on the user's emotional state. For example, if the user is in a "joy" state, the server will provide fun and easy recipes. It also provides interactive content in the form of quizzes and games, making cooking more enjoyable.

[1823] 5. Community Forum

[1824] The server provides a community forum for users to exchange information with other users. Users can access the forum and share recipes and cooking ratings with other users. The server analyzes the posts using an emotion engine and provides feedback based on the user's emotional state.

[1825] Specific examples

[1826] Below are some examples of specific usage scenarios:

[1827] User registration and profile creation

[1828] A user creates an account and enters information such as "Name: Yamada Taro," "Email address: taro@example.com," "Food preference: Japanese food," and "Allergy: nuts." The user's device sends this information to the server, which then generates a user profile and stores it in a database.

[1829] Personalized Food Recommendations

[1830] When a user inputs "I'm tired today," the emotion recognition engine determines the user's emotional state as "fatigue." The server then suggests snacks and dishes with a relaxing effect and sends them to the user's device.

[1831] Prompt Sentence Examples

[1832] Create an application that uses the emotion recognition API to analyze the user's emotions based on the following user profile data, and recommend food delivery options based on their emotional state. Emotional states are classified as "stressed," "happy," or "tired."

[1833] User Information:

[1834] Name: Ichiro Tanaka

[1835] Email address: ichiro@example.com

[1836] Favorite food: Curry, sushi

[1837] Allergens: nuts

[1838] Purpose of the meal: Maintaining health

[1839] Emotional Data:

[1840] Audio: user_audio

[1841] Video: user_video

[1842] Text: "I'm very tired today"

[1843] Combine this information to make appropriate food suggestions.

[1844] In this way, the present invention allows for the provision of food delivery services that are tailored to the user's emotional state.

[1845] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1846] Step 1:

[1847] The user installs the application and enters basic information (such as name, email address, food preferences, allergy information, etc.) to create a user profile. The device sends this information to the server, which receives it, creates a user profile, and stores it in a database. The input data is the user's basic information, and the output is the user profile.

[1848] Step 2:

[1849] When a user wants to order a meal, they input data, either voice, video, or text. The device sends this emotional data to an emotion recognition engine. The emotion recognition engine analyzes the input data, recognizes the user's emotional state (e.g., "fatigue" or "joy"), and sends it to the server. The input data is emotional data, and the output is the emotional state.

[1850] Step 3:

[1851] The server then suggests the most suitable dishes based on the received emotional state and user profile. For example, if the emotional state is "fatigue," it will list light meals and dishes with a relaxation effect. The server then sends the list of suggested dishes to the user's device. The input data are the emotional state and the user profile, and the output is a list of suggested dishes.

[1852] Step 4:

[1853] When a user selects a dish to order from the provided list of dishes, the selection information is sent from the terminal to the server. The server processes the order information and sends the order to the corresponding restaurant or delivery service. The input data is the user's selection information, and the output is order confirmation information.

[1854] Step 5:

[1855] When a user wants to cook at home, a recipe request is sent from the device to the server. The server provides an appropriate recipe based on the user's emotional state. For example, if the emotional state is "joy," the server selects a fun and easy recipe. The selected recipe is sent to the user's device. The input data is the recipe request and the user's emotional state, and the output is the appropriate recipe.

[1856] Step 6:

[1857] When a user accesses a community forum and exchanges information with other users, the device sends the posted content to the server. The server analyzes the posted content using an emotion engine and provides appropriate comments and feedback based on the user's emotional state. For example, if a comment indicates "anxiety," the server generates feedback that provides a sense of security. The input data is the posted content, and the output is feedback.

[1858] In this way, the entire system can work together to provide optimal food delivery services and interactive experiences based on the user's emotions.

[1859] 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.

[1860] 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.

[1861] 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.

[1862] [Fourth embodiment]

[1863] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[1864] 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.

[1865] 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).

[1866] 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.

[1867] 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.

[1868] 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).

[1869] 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.

[1870] 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.

[1871] 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.

[1872] 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.

[1873] 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.

[1874] 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.

[1875] 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."

[1876] This invention provides a comprehensive system to assist beginners in asset management, specifically designed to enable beginners to safely and effectively learn and practice investing. The system consists of four main functions: personalized investment advice based on user profiles, interactive learning tools, an automated investment planner, and a community forum.

[1877] Creating and managing user profiles

[1878] The server generates a user profile based on the basic information entered by the user (such as name, email address, investment experience, and risk tolerance) and stores it in a database. This profile is used to generate investment goals and advice, customize learning content, and adjust the automated investment planner.

[1879] Personalized Investment Advice

[1880] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI to generate individual investment advice based on the user's profile and investment goals. The generated advice is then displayed to the user through their device. For example, a user with a medium risk tolerance may be offered a balanced portfolio with a diverse asset allocation.

[1881] Interactive Learning Tools

[1882] If a user wants to learn about asset management, they select an interactive learning tool (such as a game or quiz) provided through their device. The device sends the selection information to the server, which then generates the corresponding learning content and sends it to the device. The content also includes investment simulations using real-time market data. For example, if a user selects "The Basics of Stock Investment," they can learn by following a scenario using historical stock market data.

[1883] Automated Investment Planner

[1884] When a user wishes to create an investment plan, they enter their investment goals and risk profile in detail through their device. The device then sends the configuration information to the server, which then uses AI to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio to help users achieve their goals. For example, an investment plan is generated that requires users to save a fixed amount each month, and asset allocation is automatically adjusted based on that.

[1885] Community Forum

[1886] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on the device. Users can post questions or information and receive feedback from other investors and experts. For example, if a user posts "I'm looking for opinions on recent market trends," comments from other users and experts will be displayed in real time.

[1887] Specific examples

[1888] Specific usage scenarios include:

[1889] 1. User registration and profile creation

[1890] User: A beginner who is interested in investing registers by entering the necessary information into the system.

[1891] Terminal: Sends registration information to the server.

[1892] Server: Generates user profiles and stores them in a database.

[1893] 2. Receive personalized investment advice

[1894] Users: Set investment goals and request advice.

[1895] Terminal: Sends investment goals to the server.

[1896] Server: Generates investment advice and sends it to the terminal.

[1897] Terminal: Display the advice in the user interface.

[1898] 3. Use of interactive learning tools

[1899] Users: Select a learning tool to get started.

[1900] Terminal: Sends selection information to the server, receives learning content, and displays it.

[1901] Server: Generates learning content using real-time market data.

[1902] 4. Create and execute automated investment plans

[1903] Users: Set investment goals and risk profile.

[1904] Terminal: Sends configuration information to the server.

[1905] Server: Generates an automatic investment plan and sends it to the device.

[1906] Terminal: The investment plan is displayed and approved by the user.

[1907] 5. Participate in community forums

[1908] Users: Access the forum and exchange information.

[1909] Terminal: View the latest forum updates.

[1910] Server: Processes the posted content and notifies other users.

[1911] This system allows even those new to asset management to learn efficiently while receiving support in their investment practices, and guarantees safety and transparency.

[1912] The processing flow will be explained below.

[1913] Personalized Investment Advice

[1914] Step 1: User Input

[1915] User: Enter basic information (name, email address, investment experience, risk tolerance, etc.).

[1916] Terminal: Sends input data to the server.

[1917] Step 2: Generate a profile

[1918] Server: Generates a user profile based on the received data and stores it in a database.

[1919] Step 3: Set your investment goals

[1920] User: Set specific investment goals (amount, period, etc.).

[1921] Terminal: Sends configuration information to the server.

[1922] Step 4: Investment advice generation

[1923] Server: AI generates optimal investment advice based on user profile and investment goals.

[1924] Terminal: The advice content is displayed on the user interface.

[1925] User: Review the advice provided.

[1926] Interactive Learning Tools

[1927] Step 1: Select a learning tool

[1928] User: Selects learning tools (games and quizzes) available on the device.

[1929] Terminal: Sends the selection information to the server.

[1930] Step 2: Provide learning content

[1931] Server: Generates content corresponding to the selected learning tool and transmits it to the terminal.

[1932] Terminal: Displays learning content (quizzes and game screens) to the user.

[1933] User: Answer quizzes and progress through games.

[1934] Step 3: Provide feedback

[1935] Terminal: Sends the user's answers and operations to the server.

[1936] Server: Analyzes the received data and generates correct answers and explanations.

[1937] Terminal: Display feedback in the user interface.

[1938] User: Review the feedback and retrain if necessary.

[1939] Automated Investment Planner

[1940] Step 1: Set your investment goals and risk profile

[1941] Users: Set detailed investment goals and risk profiles.

[1942] Terminal: Sends configuration information to the server.

[1943] Step 2: Create an automated investment plan

[1944] Server: Based on the received investment goals and risk profile, the AI ​​generates an optimal investment plan.

[1945] Terminal: Displays the generated investment plan in a user interface.

[1946] User: Review the investment plan and make any necessary amendments or approvals.

[1947] Step 3: Automatically adjust and rebalance your portfolio

[1948] Server: Periodically collects market data and optimizes users' portfolios.

[1949] Terminal: Displays the latest portfolio status in the user interface.

[1950] User: Check the progress of their portfolio and set up additional investments from their device.

[1951] Community Forum

[1952] Step 1: Visit the community forums

[1953] Users: Access community forums from their devices.

[1954] Terminal: Retrieves the latest forum posting information from the server and displays it.

[1955] Step 2: New Post

[1956] Users: Post new questions or information to the forum.

[1957] Terminal: Sends the posted content to the server.

[1958] Server: Stores the post in a database and distributes it to other users.

[1959] Step 3: Real-time communication

[1960] Server: Processes new forum posts and comments in real time and notifies relevant users.

[1961] Terminal: Display new comments and feedback in the user interface.

[1962] Users: Exchange information with other users in real time.

[1963] Example 1

[1964] 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."

[1965] Traditional asset management systems were complex and difficult for beginners to understand, and they lacked risk management and learning support. They also lacked personalized advice and automated investment plans based on investment goals, making it difficult to effectively manage assets. Another issue was the lack of a community forum where investors could exchange information with others at the same level.

[1966] 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.

[1967] In this invention, the server includes: means for generating investment advice based on a user's investment goals, risk tolerance, and investment experience; means for generating a user profile based on basic information entered by the user and saving the profile in a database; means for providing interactive learning tools that allow users to learn investment from the basics to advanced applications step by step; means for creating an automatic investment plan based on the user's goals and for automatically adjusting and rebalancing the portfolio using AI; means for displaying advice generated based on the user profile and investment goals on a terminal; means for providing a community forum where investors at the same level can exchange information; and means for performing investment simulations using real-time market data, thereby enabling even beginners to manage their assets safely and effectively.

[1968] An "investment goal" is a goal that sets a specific amount and period that a user wants to achieve through asset management.

[1969] "Risk tolerance" is an indicator that indicates the degree of risk a user can accept in an investment.

[1970] "Investment experience" indicates the level of investment activities and knowledge that the user has had in the past.

[1971] "Investment Advice" means advice regarding optimal investment strategies and asset allocations based on a User's profile and investment goals.

[1972] "Interactive learning tools" are educational content in the form of games or quizzes that enhance learning through user participation.

[1973] A "user profile" is a collection of data generated based on basic information entered by a user into the system, and reflects the characteristics of each individual user.

[1974] An "automated investment plan" is an investment plan that is automatically created using AI based on the user's investment goals and risk profile.

[1975] "Automatic Portfolio Adjustments" are adjustments made automatically to optimize asset allocation within a user's portfolio based on market data.

[1976] "Rebalancing" is the process of adjusting the asset allocation within a portfolio to return it to the optimal balance when it deviates from the optimal balance.

[1977] A "Community Forum" is an online platform for like-minded investors to exchange information and ask questions.

[1978] "Real-time market data" means up-to-date financial data that reflects current market conditions.

[1979] "Investment simulation" is a method of simulating investment results using past or predicted market data.

[1980] "AI" stands for artificial intelligence technology, a system that makes advanced judgments and predictions through machine learning and data analysis.

[1981] A "server" is a computer system used to process requests and manage data over a network.

[1982] A "terminal" is a device such as a computer or smartphone that a user uses to perform operations.

[1983] This invention is a comprehensive system to support beginners in asset management, specifically designed to enable even beginners to learn and practice investing safely and effectively. This system consists of four main functions: personalized investment advice based on user profiles, interactive learning tools, an automated investment planner, and a community forum. Each function is explained in detail below.

[1984] Creating and managing user profiles

[1985] Users access the system using a terminal and enter basic information such as their name, email address, investment experience, and risk tolerance. The terminal sends this information to the server, which stores it in a database (e.g., MySQL). The server generates a user profile based on the information it receives. This profile is used to generate investment goals and advice, customize learning content, and adjust the automated investment planner.

[1986] Personalized Investment Advice

[1987] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI (generative AI model) to generate individual investment advice based on the user's profile and investment goals. The generated advice is then displayed to the user through their device. For example, a user with a medium risk tolerance may be offered a balanced portfolio with a diverse asset allocation.

[1988] Interactive Learning Tools

[1989] If a user wants to learn about asset management, they select an interactive learning tool (such as a game or quiz) provided through their device. The device sends the selection information to the server, which then generates the corresponding learning content and sends it to the device. The content also includes investment simulations using real-time market data. For example, if a user selects "The Basics of Stock Investment," they can learn by following a scenario using historical stock market data.

[1990] Automated Investment Planner

[1991] When a user wishes to create an investment plan, they enter their investment goals and risk profile in detail through their device. The device then sends the configuration information to a server, which then uses AI (generative AI models) to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio to help users achieve their goals. For example, an investment plan is generated that requires users to save a fixed amount each month, and asset allocation is automatically adjusted based on that plan.

[1992] Community Forum

[1993] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on the device. Users can post questions or information and receive feedback from other investors and experts. For example, if a user posts "I'm looking for opinions on recent market trends," comments from other users and experts will be displayed in real time.

[1994] Prompt Sentence Examples

[1995] Below are some examples of prompts for this system:

[1996] User registration and profile creation

[1997] "My name is Taro Yamada, my email address is taro_yamada@example.com, my investment experience is beginner, and my risk tolerance is moderate. Please generate a user profile using this information."

[1998] Receive personalized investment advice

[1999] "What investment advice would you give me to aim for 1 million yen in 5 years?"

[2000] Use of interactive learning tools

[2001] "I'd like to learn the basics of stock investing. Please provide me with the appropriate learning tools."

[2002] Create and execute automated investment plans

[2003] "Create an investment plan to save 10,000 yen a month."

[2004] Community Forum Participation

[2005] "I'm looking for your opinion on recent market trends. Please post in the forum."

[2006] This system allows even those new to asset management to learn efficiently while receiving support in their investment practices, and guarantees safety and transparency.

[2007] The flow of the identification process in the first embodiment will be described with reference to FIG.

[2008] Creating and managing user profiles

[2009] Step 1: Enter your user registration information

[2010] Users log in to the system using a terminal and enter basic information such as their name, email address, investment experience, risk tolerance, etc. This becomes the input data.

[2011] Specific actions

[2012] The user fills in the required information on the registration form.

[2013] The terminal validates the input in real time and formats it appropriately.

[2014] Input: Name, email address, investment experience, risk tolerance

[2015] Output: Formatted user information data

[2016] Step 2: Submit your input

[2017] The terminal transmits the input information to the server.

[2018] Specific actions

[2019] The terminal encodes the input information in JSON format and sends it to the server via the HTTPS protocol.

[2020] Input: Formatted user information data

[2021] Output: JSON data sent to the server

[2022] Step 3: Create and save a user profile

[2023] The server generates a user profile based on the received information and stores it in a database.

[2024] Specific actions

[2025] The server decodes the received data, performs data analysis, and then generates a user profile.

[2026] The server stores the generated user profile in a database (e.g. MySQL).

[2027] Input: Received JSON data

[2028] Output: User profile stored in the database

[2029] Personalized Investment Advice

[2030] Step 1: Set your investment goals

[2031] The user sets his or her investment goals (amount, period, etc.) through the terminal.

[2032] Specific actions

[2033] The user enters investment goal information into the goal setting form.

[2034] The terminal validates the input and formats it appropriately.

[2035] Input: Investment goal (amount, period)

[2036] Output: Formatted investment goal data

[2037] Step 2: Sending configuration information

[2038] The terminal transmits the set investment target information to the server.

[2039] Specific actions

[2040] The terminal encodes the investment target information in JSON format and sends it to the server.

[2041] Input: Formatted investment goal data

[2042] Output: JSON data sent to the server

[2043] Step 3: Generate investment advice

[2044] The server uses AI (generative AI model) to generate investment advice based on the user profile and investment goals.

[2045] Specific actions

[2046] The server analyzes user profile and investment goal data and uses generative AI models to generate personalized investment advice.

[2047] Input: User profile data, investment goal data

[2048] Output: Generated investment advice data

[2049] Step 4: Providing advice

[2050] The terminal displays the received investment advice to the user.

[2051] Specific actions

[2052] The terminal decodes the advice data received from the server and displays it to the user in a visually easy-to-understand format.

[2053] Input: Generated investment advice data

[2054] Output: Investment advice displayed to the user

[2055] Interactive Learning Tools

[2056] Step 1: Choose a learning tool

[2057] The user uses the terminal to select the content they want to learn.

[2058] Specific actions

[2059] The user selects something from the list of learning tools, such as "Stock Investing Basics."

[2060] The terminal confirms the selection information and sends it to the server.

[2061] Input: Selected Study Tool

[2062] Output: Selection information to send to the server

[2063] Step 2: Generate learning content

[2064] The server generates learning content based on the content selected by the user.

[2065] Specific actions

[2066] A server collects market data related to the selected learning tool and generates a learning scenario.

[2067] Input: Selection information

[2068] Output: Generated learning content

[2069] Step 3: View learning content

[2070] The terminal displays the received study content to the user.

[2071] Specific actions

[2072] The terminal analyzes the learning content data received from the server and displays it to the user via the learning interface.

[2073] Input: Generated learning content

[2074] Output: The learning content that is displayed to the user

[2075] Automated Investment Planner

[2076] Step 1: Set up your investment plan

[2077] Users enter detailed investment goals and risk profiles.

[2078] Specific actions

[2079] The user enters the monthly savings amount, investment period, and risk tolerance.

[2080] The terminal sends the input information to the server.

[2081] Inputs: Investment Objectives, Risk Profile

[2082] Output: Formatted investment plan data

[2083] Step 2: Sending configuration information

[2084] The terminal transmits the set investment plan information to the server.

[2085] Specific actions

[2086] The terminal encodes the investment plan information in JSON format and sends it to the server.

[2087] Input: Formatted investment plan data

[2088] Output: JSON data sent to the server

[2089] Step 3: Generate an investment plan

[2090] The server uses AI (generative AI model) to generate an automated investment plan.

[2091] Specific actions

[2092] The server analyzes the input information and generates an automated investment plan.

[2093] Input: Input investment plan data

[2094] Output: Generated automated investment plan data

[2095] Step 4: Adjust your investment plan

[2096] The terminal displays the generated investment plan to the user for approval.

[2097] Specific actions

[2098] The terminal visually presents the plan and awaits the user's approval.

[2099] Input: Generated investment plan data

[2100] Output: Approved investment plan

[2101] Community Forum

[2102] Step 1: Access the forum

[2103] A user accesses a community forum using a terminal.

[2104] Specific actions

[2105] A user accesses the community forum by clicking on the icon.

[2106] The device retrieves and displays the latest information from the forum.

[2107] Input: Forum Access Request

[2108] Output: The most recent forum information displayed

[2109] Step 2: Create a Post

[2110] Users post questions and opinions.

[2111] Specific actions

[2112] The user enters the content of the post (e.g., "Seeking opinions on recent market trends") and presses the send button.

[2113] The device sends the post content to the server.

[2114] Input: Post content

[2115] Output: Post content sent to the server

[2116] Step 3: View your feedback

[2117] The server updates the content of the forum and notifies the user.

[2118] Specific actions

[2119] The server receives the posts and shares them within the community.

[2120] The device displays feedback to the user.

[2121] Input: Post content received by the server

[2122] Output: Feedback that is displayed to the user

[2123] The detailed processing steps described above enable even beginners in asset management to learn efficiently while also being supported in the practice of investment, and guarantee safety and transparency.

[2124] (Application example 1)

[2125] 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."

[2126] Beginners to asset management lack knowledge and experience in investing, making it difficult to manage their assets safely and effectively. Furthermore, existing investment support systems provide separate investment advice and learning tools, and do not provide an environment where users can use these tools comprehensively. Furthermore, the lack of virtual investment simulations and investment plans based on real-time data makes it difficult for users to learn about and practice investing with confidence.

[2127] 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.

[2128] In this invention, the server includes: means for generating investment advice based on a user's investment goals, risk tolerance, and investment experience; means for providing interactive learning tools that allow users to learn investment from the basics to advanced applications step by step; means for creating an automatic investment plan based on the user's goals and automatically adjusting and rebalancing the portfolio; means for providing a community forum where users can exchange information with investors at the same level; means for conducting investment simulations in a virtual space that allow users to visually experience investment plans; and means for generating and managing a user profile on a smartphone and displaying personalized investment advice in real time according to the user's investment goals and risk tolerance. This makes it possible to provide an environment in which even beginners in asset management can learn about and practice investing in a comprehensive and safe manner.

[2129] A "user profile" is a collection of data such as a user's basic information, investment experience, risk tolerance, and investment goals.

[2130] "Investment advice" refers to specific asset management suggestions provided based on a user's investment goals and risk tolerance.

[2131] "Interactive learning tools" are features that allow users to learn investment knowledge and skills in the form of games and quizzes.

[2132] An "automated investment plan" is an investment plan created using AI based on a user's goals and risk profile, including automatic portfolio adjustments and rebalancing.

[2133] A "community forum" is an online platform for like-minded investors to exchange information.

[2134] A "virtual space" is a digital simulation space where users can conduct investment simulations in a realistic environment.

[2135] A "smartphone" is a mobile terminal for communication and information processing, and is a device on which applications are installed and used.

[2136] "Real-time" means that processing and data delivery occurs immediately in actual time.

[2137] "Investment Simulation" is a function that uses past market data and other information to virtually predict investment results while learning and planning.

[2138] This invention provides a system for supporting beginners in asset management, and in particular includes a function for conducting investment simulations using a virtual space and a function for displaying real-time investment advice on a smartphone.

[2139] First, a user uses their smartphone to enter basic information (e.g., name, email address, investment experience, risk tolerance, etc.) to create a user profile. This information is sent from the smartphone to a server and stored in a database. This user profile is used to provide personalized investment advice based on investment goals and risk tolerance, provide interactive learning tools, and adjust automated investment plans.

[2140] When a user wants investment advice, they set their investment goals (amount, period, etc.) on their smartphone and send it to the server. The server then generates AI-powered investment advice based on the user's profile and investment goals and sends it to the smartphone. This allows the user to receive personalized investment advice in real time.

[2141] Furthermore, users can learn about investing using learning tools. They select a learning tool (e.g., a game or quiz) on their smartphone and send the selection information to the server. The server then sends learning content generated using real-time market data to the smartphone, allowing users to learn interactively.

[2142] When a user wants to create an automated investment plan, they use their smartphone to set up their investment goals and risk profile in detail, then send the settings to the server. The server then uses AI to generate an automated investment plan and sends it to the smartphone. This plan also includes a function to automatically adjust and rebalance the portfolio, helping the user achieve their investment goals.

[2143] Users can also access a community forum to exchange information with other investors. The server retrieves the latest information from the forum and displays it on their smartphone, providing an environment where users can post questions and information and receive feedback.

[2144] It also allows users to simulate investment results in a virtual space using a smartphone or head-mounted display in a realistic environment, allowing them to visually experience investment plans and learn about investing in a more realistic way.

[2145] The system's program consists of a backend server using Python and Django, an AI model using TensorFlow or PyTorch, a database using MySQL or PostgreSQL, and a smartphone application using React Native.

[2146] Examples of concrete examples and prompts

[2147] For example, consider a scenario in which a new user registers with an app to obtain investment advice. The user enters basic information into the app to create a profile, then sets investment goals and receives personalized investment advice from the server, including portfolio suggestions based on the user's risk tolerance.

[2148] Example prompt sentence:

[2149] "Implement a scenario where a new user registers with the app and gets investment advice based on the user's risk tolerance."

[2150] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[2151] Step 1:

[2152] The user enters basic information on their smartphone to create a user profile.

[2153] Input: User's basic information (name, email address, investment experience, risk tolerance, etc.)

[2154] Processing: The terminal collects basic information about the user and structures the input data.

[2155] Output: Request data to send to the server based on the input data.

[2156] Step 2:

[2157] The server generates a user profile based on the received basic information of the user and stores it in a database.

[2158] Input: Basic user information sent from the smartphone

[2159] Processing: The server stores the received data in a database and generates a user profile.

[2160] Output: Stored user profile data, which is used in further processing.

[2161] Step 3:

[2162] Users set investment goals and request personalized investment advice from their smartphones.

[2163] Input: User's investment goal (target amount, target period, etc.)

[2164] Processing: The terminal receives the investment objectives input by the user and generates request data to be sent to the server.

[2165] Output: Sends the request data to the server.

[2166] Step 4:

[2167] The server uses AI models to generate investment advice based on the user profile and investment goals.

[2168] Input: User profile data, investment goals

[2169] Processing: The server inputs this data into an AI model to generate investment advice based on risk tolerance and investment experience. Specifically, the model, trained using TensorFlow and PyTorch, suggests optimal investment portfolios.

[2170] Output: Generated personalized investment advice.

[2171] Step 5:

[2172] The device displays personalized investment advice.

[2173] Input: Investment advice received from the server

[2174] Processing: The terminal displays the received advice in a format suitable for the user interface, for example, as a list of recommended investment products and asset allocation details.

[2175] Output: Visually easy-to-understand display of investment advice for the user.

[2176] Step 6:

[2177] Users select learning tools and learn interactively.

[2178] Input: User's study tool selection (study topic, quiz, game, etc.)

[2179] Processing: The device sends the user's selection information to the server, which then generates corresponding learning content and sends it to the device.

[2180] Output: Content that users can use to learn using the learning tools.

[2181] Step 7:

[2182] A server generates learning content using real-time market data.

[2183] Input: Study topics, real-time market data

[2184] Processing: The server collects real-time market data and generates relevant learning scenarios, such as investment scenarios using historical market data, and provides them to users as learning tools.

[2185] Output: Learning content including learning scenarios.

[2186] Step 8:

[2187] Users create and run automated investment plans.

[2188] Input: User's detailed investment goals, risk profile

[2189] Processing: The device sends the user's detailed configuration information to the server, which then uses AI to generate an automated investment plan. The plan periodically collects market data and automatically adjusts and rebalances the portfolio.

[2190] Output: Automated investment plan and execution.

[2191] Step 9:

[2192] Users access community forums and exchange information.

[2193] Input: User forum access requests, posts, and questions

[2194] Processing: The server retrieves the latest information from the forum and sends it to the terminal. Users can receive real-time feedback through an interface to exchange information with other investors.

[2195] Output: Forum updates, posts, and feedback.

[2196] 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.

[2197] This invention combines an emotion engine with a comprehensive system to assist beginners in asset management, providing advanced support based on the user's emotional state. The system consists of five main functions: personalized investment advice based on user profiles, an interactive learning tool, an automated investment planner, a community forum, and an emotion engine.

[2198] Creating and managing user profiles

[2199] The server generates a user profile based on the basic information entered by the user (such as name, email address, investment experience, and risk tolerance) and stores it in a database. This profile is used to generate investment goals and advice, customize learning content, adjust the automated investment planner, and perform analysis using the sentiment engine.

[2200] Personalized Investment Advice

[2201] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI to generate individual investment advice based on the user's profile and investment goals. During this process, the server uses an emotion engine to analyze the user's emotional state and provides advice adapted to that state. The generated advice is then displayed to the user through their device. For example, if the server detects that the user is feeling stressed, it will suggest low-risk investment products.

[2202] Interactive Learning Tools

[2203] When a user wants to learn about asset management, they select an interactive learning tool (such as a game or quiz) provided through their device. The device sends the selection information to the server, which then generates corresponding learning content and sends it to the device. The server recognizes the user's emotional state in real time while learning and customizes the learning content. For example, if the server recognizes that the user is tired, it switches to simple quiz-style content.

[2204] Automated Investment Planner

[2205] When a user wishes to create an investment plan, they enter their investment goals and risk profile in detail through their device. The device then sends the configuration information to the server, which then uses AI to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio to help the user achieve their goals. The server also adjusts the plan based on the user's emotional state. For example, if the user feels anxious, it will make adjustments to reduce risk.

[2206] Community Forum

[2207] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on their device. Users can post questions or information and receive feedback from other investors and experts. During this process, the server uses an emotion engine to analyze the tone and emotional state of the post and recommend experts who will provide appropriate feedback.

[2208] Implementing the Emotion Engine

[2209] The emotion engine has the ability to recognize the user's emotional state in real time by analyzing their voice, facial expressions, text input, etc. The server collects this data and uses the emotion engine to identify the user's emotional state. This information is reflected in the provision of various services (investment advice, learning tools, automated investment planner, community forum).

[2210] Specific examples

[2211] Specific usage scenarios include:

[2212] 1. User registration and profile creation

[2213] User: A beginner who is interested in investing registers by entering the necessary information into the system.

[2214] Terminal: Sends registration information to the server.

[2215] Server: Generates user profiles and stores them in a database.

[2216] 2. Receive personalized investment advice

[2217] Users: Set investment goals and request advice.

[2218] Terminal: Sends investment goals to the server.

[2219] Server: When generating investment advice, the emotion engine analyzes the user's emotions and provides appropriate advice.

[2220] Terminal: Display the advice in the user interface.

[2221] 3. Use of interactive learning tools

[2222] Users: Select a learning tool to get started.

[2223] Terminal: Sends selection information to the server, receives learning content, and displays it.

[2224] Server: Recognizes user emotions in real time and customizes learning content.

[2225] 4. Create and execute automated investment plans

[2226] Users: Set investment goals and risk profile.

[2227] Terminal: Sends configuration information to the server.

[2228] Server: Generates an automated investment plan and makes adjustments taking into account the user's emotional state.

[2229] Terminal: The investment plan is displayed and approved by the user.

[2230] 5. Participate in community forums

[2231] Users: Access the forum and exchange information.

[2232] Terminal: View the latest forum updates.

[2233] Server: Analyzes posts using a sentiment engine and provides appropriate comments and feedback.

[2234] This system allows even beginners to asset management to learn efficiently while being supported in their investment practices, and the emotional engine takes the user's emotional state into consideration, creating an environment where users can use the system with greater peace of mind.

[2235] The processing flow will be explained below.

[2236] User profile creation and management

[2237] Step 1: Enter your user registration information

[2238] User: Enter basic information (name, email address, investment experience, risk tolerance).

[2239] Terminal: Sends the entered information to the server.

[2240] Step 2: Create a user profile

[2241] Server: Generates a user profile based on the received information and stores it in a database.

[2242] Personalized Investment Advice

[2243] Step 1: Set your investment goals

[2244] User: Set specific investment goals (amount, period) through the terminal.

[2245] Terminal: Sends configuration information to the server.

[2246] Step 2: Generate investment advice

[2247] Server: AI generates optimal investment advice based on user profile and investment goals.

[2248] Server: Further analyzes the user's current emotional state using an emotion engine.

[2249] Server: Adjusts investment risk and advice content according to emotional state.

[2250] Step 3: Providing investment advice

[2251] Server: Generates optimized investment advice and sends it to the terminal.

[2252] Terminal: The advice content is displayed on the user interface.

[2253] User: Review the advice provided.

[2254] Interactive Learning Tools

[2255] Step 1: Choose a learning tool

[2256] User: Selects learning tools (games and quizzes) available through the device.

[2257] Terminal: Sends the selection information to the server.

[2258] Step 2: Provide learning content

[2259] Server: Generates content corresponding to the selected learning tool.

[2260] Server: Uses an emotion engine to recognize the user's emotional state in real time and provide appropriate content.

[2261] Device: Displays learning content (quizzes and game screens).

[2262] User: Answer quizzes and progress through games.

[2263] Step 3: Provide feedback

[2264] Terminal: Sends all user responses and operation data to the server.

[2265] Server: Based on the analysis results, generate the accuracy rate and explanation for each user in real time.

[2266] Terminal: Display feedback in the user interface.

[2267] Users: Review the feedback and retrain as needed.

[2268] Automated Investment Planner

[2269] Step 1: Set your investment goals and risk profile

[2270] Users: Define their investment goals and risk profile in detail.

[2271] Terminal: Sends configuration information to the server.

[2272] Step 2: Create an automated investment plan

[2273] Server: Based on the received investment goals and risk profile, the AI ​​generates an optimal investment plan.

[2274] Server: Uses an emotion engine to make adjustments that take into account the user's emotional state.

[2275] Terminal: Displays the generated investment plan in a user interface.

[2276] User: Review the investment plan and make any necessary amendments or approvals.

[2277] Step 3: Automatically adjust and rebalance your portfolio

[2278] Server: Periodically collects market data and optimizes users' portfolios.

[2279] Server: Uses the emotion engine to make adjustments based on the user's emotional state.

[2280] Terminal: Displays the latest portfolio status in the user interface.

[2281] User: Check the progress of the portfolio and make additional investments if necessary.

[2282] Community Forum

[2283] Step 1: Visit the community forums

[2284] Users: Access community forums from their devices.

[2285] On your device: Retrieve the latest forum postings from the server and display them.

[2286] Step 2: Create a new post

[2287] Users: Post new questions or information to the forum.

[2288] Terminal: Sends the posted content to the server.

[2289] Step 3: Post analysis and notifications

[2290] Server: Saves the posted content in a database and notifies other users.

[2291] Server: Uses a sentiment engine to analyze the tone and emotional state of posts.

[2292] On the device: Provide appropriate feedback and comments based on the analysis results.

[2293] Implementing the Emotion Engine

[2294] Step 1: Collecting emotion data

[2295] Terminal: Collects emotional data such as voice, facial expressions, and text input.

[2296] Step 2: Sending emotion data

[2297] Terminal: Sends collected emotion data to the server.

[2298] Step 3: Analyze your emotional state

[2299] Server: Analyzes received emotion data in real time using the emotion engine.

[2300] Step 4: Integrate with the service

[2301] Server: Based on the analysis results, various services (investment advice, learning tools, automated investment planner, community forum) are provided.

[2302] This allows the system to take into account the user's emotional state and provide more personalized and effective support.

[2303] Example 2

[2304] 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."

[2305] Conventional asset management systems provide uniform investment advice, educational content, and automated investment plans without considering the user's emotional state, which makes it difficult to alleviate the anxiety and stress felt by users. Furthermore, it is difficult to provide personalized support to individual users, making them difficult to use, especially for beginners. As a result, it is difficult for users to efficiently learn asset management knowledge or continue investing with peace of mind.

[2306] The specification processing by the specification 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 generating investment advice based on the user's investment goals, risk tolerance, and investment experience, a means for providing interactive learning tools that allow the user to learn investment from the basics to advanced applications step by step, and a means for creating an automatic investment plan based on the user's goals and automatically adjusting and rebalancing the portfolio. This makes it possible to recognize the user's emotional state and adjust investment advice, learning content, and automatic investment plans to suit that state.

[2307] "Investment Advice" means investment guidance or recommendations generated based on a User's investment objectives, risk tolerance, and investment experience.

[2308] "Interactive learning tools" refers to interactive educational tools designed to enable users to learn investment fundamentals through to advanced applications in a step-by-step manner.

[2309] "Automated Investment Plan" refers to an investment plan that is created based on the investment goals and risk profile set by the user and automatically adjusts and rebalances the portfolio.

[2310] A "community forum" refers to an online platform where investors of the same level can exchange information.

[2311] "Emotional state" refers to the user's psychological state, such as stress or satisfaction, analyzed from the user's voice, facial expression, text input, etc.

[2312] An "emotion engine" refers to technology that recognizes a user's emotional state in real time and provides appropriate advice and adjusts content based on that state.

[2313] "Automatic portfolio adjustment" refers to the process of periodically optimizing asset allocation based on a user's investment goals and risk profile.

[2314] "Rebalancing" refers to the process of periodically buying and selling assets to balance investments across different asset classes.

[2315] This invention combines an emotion engine with a comprehensive system to assist beginners in asset management, providing advanced support based on the user's emotional state. The system consists of five main functions: personalized investment advice based on user profiles, interactive learning tools, an automated investment planner, a community forum, and an emotion engine.

[2316] Creating and managing user profiles

[2317] The server generates a user profile based on the basic information entered by the user (such as name, email address, investment experience, and risk tolerance) and stores it in a database. This profile is used to generate investment goals and advice, customize learning content, adjust the automated investment planner, and perform analysis using the sentiment engine.

[2318] Personalized Investment Advice

[2319] When a user wants to receive investment advice, they first set their investment goals (amount, period, etc.) through their device. The device then sends this setting information to the server, which then uses AI to generate individual investment advice based on the user's profile and investment goals. The server uses an emotion engine to analyze the user's emotional state and provides advice adapted to that state. The generated advice is then displayed to the user through their device. For example, if the server detects that the user is feeling stressed, it will suggest low-risk investment products.

[2320] Interactive Learning Tools

[2321] When a user wants to learn about asset management, they select an interactive learning tool (game or quiz) provided through their device. The device sends the selection information to the server, which then generates and sends the corresponding learning content. The system recognizes the user's emotional state in real time while learning and customizes the learning content. For example, if it recognizes that the user is tired, it switches to a simple quiz-style content.

[2322] Automated Investment Planner

[2323] When a user wants to create an investment plan, they set up their investment goals and risk profile in detail through their device. The device then sends the setting information to the server, which then uses AI to generate an automated investment plan. The plan periodically collects market data and automatically adjusts and rebalances the portfolio. The plan also adjusts based on the user's emotional state. For example, if the user feels anxious, it will make adjustments to reduce risk.

[2324] Community Forum

[2325] If a user wishes to exchange information with other investors, they can access the community forum through their device. The server retrieves the latest information from the forum and displays it on their device. Users can post questions or information and receive feedback from other investors and experts. The server uses an emotion engine to analyze the tone and emotional state of the posts and recommend experts who will provide appropriate feedback.

[2326] Implementing the Emotion Engine

[2327] The emotion engine recognizes the user's emotional state in real time by analyzing their voice, facial expressions, text input, etc. The server collects this data and uses the emotion engine to identify the user's emotional state. This information is reflected in various services (investment advice, learning tools, automated investment planner, community forum).

[2328] Specific examples

[2329] 1. User registration and profile creation

[2330] User: A beginner who is interested in investing registers by entering the required information into the system (name, email address, investment experience, risk tolerance, etc.).

[2331] Terminal: Sends registration information to the server.

[2332] Server: Generates user profiles and stores them in a database.

[2333] 2. Receive personalized investment advice

[2334] User: Sets investment goals (amount, period, etc.) and requests advice.

[2335] Terminal: Sends investment goals to the server.

[2336] Server: When generating investment advice, the emotion engine analyzes the user's emotions and provides appropriate advice.

[2337] Terminal: Display the advice in the user interface.

[2338] 3. Use of interactive learning tools

[2339] Users: Select a learning tool to get started.

[2340] Terminal: Sends selection information to the server, receives learning content, and displays it.

[2341] Server: Recognizes user emotions in real time and customizes learning content.

[2342] 4. Create and execute automated investment plans

[2343] Users: Set investment goals and risk profile.

[2344] Terminal: Sends configuration information to the server.

[2345] Server: Generates an automated investment plan and makes adjustments taking into account the user's emotional state.

[2346] Terminal: The investment plan is displayed and approved by the user.

[2347] 5. Participate in community forums

[2348] Users: Access the forum and exchange information.

[2349] Terminal: View the latest forum updates.

[2350] Server: Analyzes posts using a sentiment engine and provides appropriate comments and feedback.

[2351] Prompt Sentence Examples

[2352] "Please explain the specific steps for a beginner to get personalized investment advice with the support of an emotion engine."

[2353] The flow of the identification process in the second embodiment will be described with reference to FIG.

[2354] Step 1:

[2355] A user accesses the system and enters basic information such as their name, email address, investment experience, risk tolerance, etc. The entered information is sent from the terminal to the server.

[2356] Input: Name, email address, investment experience, risk tolerance

[2357] Output: User information sent to the server

[2358] Step 2:

[2359] The server generates a user profile based on the received user information and stores the data in a database, which is used to generate investment goals and advice, customize learning content, adjust the automated investment planner, and analyze using the sentiment engine.

[2360] Input: User information

[2361] Output: Generated user profile

[2362] Step 3:

[2363] The user sets investment goals (amount, period, etc.) through the terminal and requests advice. The set investment goals are sent from the terminal to the server.

[2364] Input: Investment goal (amount, period, etc.)

[2365] Output: Investment goal sent to server

[2366] Step 4:

[2367] The server uses a generative AI model based on the user's profile and investment goals to generate personalized investment advice, and in the process, it uses an emotion engine to analyze the user's emotional state and provide advice adapted to that state.

[2368] Input: User profile, investment goals

[2369] Output: Generated investment advice

[2370] Step 5:

[2371] The generated advice is displayed to the user via the terminal. For example, if the system detects that the user is feeling stressed, it will suggest low-risk investment products.

[2372] Input: Generated Investment Advice

[2373] Output: Advice displayed on terminal

[2374] Step 6:

[2375] The user selects the learning tool they want to use (for example, a quiz to learn basic knowledge) through their terminal, and the selection information is sent from the terminal to the server.

[2376] Input: Learning tool selection information

[2377] Output: Selections sent to the server

[2378] Step 7:

[2379] The server generates the corresponding learning content and sends it to the device. It analyzes the user's emotional state in real time while learning and customizes the content as needed. For example, if it detects that the user is tired, it switches to a simple quiz-style content.

[2380] Input: Learning tool selection information

[2381] Output: Generated learning content

[2382] Step 8:

[2383] The user sets detailed investment goals and risk profiles through the terminal, and the setting information is sent from the terminal to the server.

[2384] Inputs: Investment Objectives, Risk Profile

[2385] Output: Configuration information sent to the server

[2386] Step 9:

[2387] The server uses AI to generate an automated investment plan. This plan periodically collects market data and automatically adjusts and rebalances the portfolio. It also adjusts the plan based on the user's emotional state. For example, if the user feels anxious, it will make adjustments to reduce risk.

[2388] Inputs: Investment goals, risk profile, emotional state

[2389] Output: Generated automated investment plan

[2390] Step 10:

[2391] The user checks and approves the investment plan sent to the terminal. For example, the user checks the investment plan that reflects adjustments such as "reducing risk and increasing the proportion of government bonds."

[2392] Input: Generated automatic investment plan

[2393] Output: The approved investment plan is displayed to the user.

[2394] Step 11:

[2395] A user accesses a community forum through a terminal, and the latest information on the forum is retrieved from the server and displayed on the terminal.

[2396] Input: Forum access request

[2397] Output: Display of the latest information retrieved

[2398] Step 12:

[2399] A user posts to a forum, and the server uses an emotion engine to analyze the tone and emotional state of the post and provide appropriate feedback.

[2400] Input: Forum post

[2401] Output: Analyzed tone, emotional state, provided feedback

[2402] Through these steps, the present invention provides personalized support that takes into account the user's emotional state, realizing a comprehensive system that even beginners in asset management can use with confidence.

[2403] (Application example 2)

[2404] Next, a description will be given of Application Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the robot 414 wi...

Claims

1. means for generating investment advice based on the user's investment goals, risk tolerance, and investment experience; We provide interactive learning tools that allow users to learn step-by-step from the basics to advanced applications of investing. A means to create an automated investment plan based on the user's goals and automatically adjust and rebalance the portfolio; A means to provide a community forum where investors of the same level can exchange information, A system including:

2. 10. The system of claim 1, further comprising means for proposing a personalized investment plan to the user through individual counseling.

3. 10. The system of claim 1, further comprising means for performing an investment simulation using the latest market data.

Images