System

Abstract

A system is provided.SOLUTION: The system includes a means for periodically acquiring loan information of a financial institution, a means for inputting a loan condition by a user, a means for retrieving an appropriate loan product from information in a database on the basis of the inputted condition and presenting a comparison result, a means for performing detailed simulation about the loan product selected by the user, a means for providing a visit reservation with the financial institution and a chat function with a person in charge, and a means for notifying the user of information necessary for a final tax return and supporting a procedure.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

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

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

[0004] Choosing a mortgage is time-consuming and laborious, as it requires finding the best option from the many products offered by financial institutions. Understanding and comparing the differences in interest rates and terms between financial institutions requires specialized knowledge, making it difficult for average users. Furthermore, the procedures for scheduling appointments, communicating with loan agents, and filing tax returns are all complicated, and there is a lack of integrated tools to efficiently complete all of these. Therefore, to solve these challenges, it is necessary to support all procedures in a single system. [Means for solving the problem]

[0005] The present invention is a system that includes means for periodically acquiring loan information from financial institutions, means for users to input loan conditions, means for searching for appropriate loan products from information in a database based on the input conditions and presenting comparison results, means for conducting detailed simulations of the loan products selected by the user, means for providing a function for scheduling visits with financial institutions and chatting with staff, and means for notifying users of information necessary when filing tax returns and supporting the procedures. This allows users to efficiently and easily select the optimal mortgage product and smoothly complete the necessary procedures using a single tool.

[0006] A "financial institution" is an organization that accepts deposits from customers, makes loans and investments, and provides financial services.

[0007] "Loan Information" means detailed information about loan products offered by financial institutions, including interest rates, repayment periods, fees, and other conditions.

[0008] "User" refers to an individual or corporation that uses this system to select and process a mortgage loan.

[0009] "Conditions" refer to the requirements and wishes that a user inputs when selecting a mortgage product, and include the loan amount, repayment period, interest rate type (fixed or variable), etc.

[0010] A "database" is a collection of information that systematically stores loan information obtained from financial institutions and is subject to search and analysis.

[0011] The "comparison result" is the result of comparing multiple loan products in the database in terms of interest rates, total repayment amounts, etc., based on the conditions entered by the user.

[0012] "Simulation" refers to calculating a detailed repayment plan and total repayment amount for the loan product selected by the user, and predicting future repayment details.

[0013] "Visit reservation" refers to a user reserving a date and time to visit a specific financial institution for consultation or procedures.

[0014] The "chat function" allows users to exchange text messages with financial institution staff in real time to ask questions or receive advice.

[0015] Filing a tax return means calculating tax based on income and expenses and completing the necessary procedures for the tax authorities.

[0016] "Notification" refers to a communication made by the system to inform the user of important information or deadlines.

[0017] These definitions are the basis for understanding the important concepts and features encompassed within the scope of the present invention. [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] The present invention relates to a system that enables users to efficiently compare home loans and select and process the loans under the most optimal conditions. Specific embodiments of the system are described below.

[0040] System configuration

[0041] The system consists of the following main elements:

[0042] Server: Responsible for primary data processing and information management.

[0043] Terminal: Provides a user interface for inputting information and displaying results.

[0044] Database: Stores financial institution loan information and user preferences.

[0045] Information gathering

[0046] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[0047] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a database.

[0048] Enter conditions and search for information

[0049] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[0050] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[0051] Presentation of comparison results

[0052] The terminal sends the entered information to the server, which searches the database to extract the loan product that best matches the user's requirements. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the terminal.

[0053] Example: The server detects suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal.

[0054] simulation

[0055] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[0056] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal.

[0057] Visit reservation and chat function

[0058] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[0059] Example: When a user inputs "I would like to visit next Wednesday at 3pm" into a terminal, the server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email.

[0060] Tax return support

[0061] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[0062] Example: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question.

[0063] In this way, the present invention allows users to efficiently and simply go through the complicated process of selecting and applying for a home loan.

[0064] The processing flow will be explained below.

[0065] Step 1:

[0066] The server periodically collects mortgage information using each financial institution's API and web scraping technology, obtaining information such as interest rates, repayment periods, and fees, and stores it in a database.

[0067] Step 2:

[0068] Users access the system from a terminal and enter the terms of the mortgage they want, including the loan amount, repayment period, interest rate type (fixed or variable), and down payment.

[0069] Step 3:

[0070] The terminal sends the entered conditions to the server, which uses the received information to search its database for mortgage products that match the user's conditions.

[0071] Step 4:

[0072] The server calculates the interest rate, total repayment amount, monthly repayment amount, etc. for the loan products found as search results and generates a comparison result, which the server sends to the terminal.

[0073] Step 5:

[0074] The terminal displays the comparison results received from the server to the user, who then checks the displayed comparison results and selects the loan product that interests them.

[0075] Step 6:

[0076] If the user wishes to conduct a detailed simulation, he or she inputs the conditions (e.g., down payment, repayment method) to confirm the details of the selected loan product. The terminal sends this information to the server.

[0077] Step 7:

[0078] The server runs a detailed simulation and calculates a specific repayment plan for the selected loan product, including monthly repayment amounts and total repayment amounts, and sends the simulation results to the terminal.

[0079] Step 8:

[0080] The terminal displays the simulation results to the user, who then checks the presented repayment plan and, if satisfied, proceeds to the next step.

[0081] Step 9:

[0082] If a user wishes to meet with a person in charge of a particular financial institution, the user inputs the desired date and time of the visit, and the terminal transmits this information to the server.

[0083] Step 10:

[0084] The server accesses the reservation system of the affiliated financial institution and makes a reservation for the visit at the user's desired date and time. The server then sends reservation confirmation information to the terminal.

[0085] Step 11:

[0086] The terminal displays the reservation confirmation information to the user and simultaneously sends a confirmation email, which the user can use to confirm the date and time of the visit.

[0087] Step 12:

[0088] When a user wants to ask a question using the chat function, they input the question from their terminal, which then sends the question to the server.

[0089] Step 13:

[0090] The server chats with the financial institution's staff in real time, receives answers to the user's questions from the staff, and sends the answers to the terminal.

[0091] Step 14:

[0092] The terminal displays the answer from the person in charge to the user, which allows the user to resolve their doubts.

[0093] Step 15:

[0094] When tax return filing time approaches, the server sends notifications to users, including information such as filing deadlines, required documents, and the nearest tax return filing location.

[0095] Step 16:

[0096] If the user wants additional support, they input a specific question into the terminal, which then sends the question to the server.

[0097] Step 17:

[0098] The server searches for appropriate information from FAQs and guides to generate answers to the user's questions, and if necessary, provides templates and instructions for filling out forms. The server then sends this information to the device.

[0099] Step 18:

[0100] The device displays answers and guidelines to the user and provides support for filing tax returns, allowing the user to smoothly proceed with the tax return procedure.

[0101] Example 1

[0102] Next, a description will be given of Example 1. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0103] When choosing a mortgage, comparing the vast number of financial institutions and their services takes time and effort. The process of finding the optimal loan product and applying for it is also complicated, placing a significant burden on users. Furthermore, simulating mortgage repayments, contacting financial institutions, and filing tax returns are all time-consuming, creating a need for a system that can manage all of these tasks in a unified manner.

[0104] The specific processing by the specific processing unit 290 of the data processing device 12 in the first embodiment is realized by the following means.

[0105] In this invention, the server includes means for periodically acquiring loan information from financial institutions, means for users to input loan conditions, means for searching for appropriate loan products from information in a database based on the input conditions and presenting comparison results, means for conducting detailed simulations of the loan products selected by the user, means for making appointments with financial institutions and providing chat functions with staff, and means for notifying users of information necessary when it comes time to file their tax returns and supporting the procedures, thereby enabling users to efficiently and easily select and process the most suitable mortgage loan.

[0106] "Financial institutions" refer to organizations such as banks and credit unions that provide mortgage loans.

[0107] "Loan Information" refers to data related to a mortgage, such as interest rates, repayment terms, fees, and loan amounts.

[0108] "User" means an individual who uses the System to compare, select, and process a mortgage loan.

[0109] "API" stands for Application Programming Interface and refers to an interface for exchanging information between different software programs.

[0110] "Web scraping technology" refers to software technology for automatically collecting data from websites.

[0111] "Database" refers to the system for storing and managing acquired loan information.

[0112] "Loan conditions" refer to requirements such as loan amount, repayment period, interest rate type, down payment, etc., that a user specifies when selecting a home loan.

[0113] "Simulation" refers to the process of calculating and predicting the outcome of a loan repayment plan based on specific conditions.

[0114] The "visit reservation function" refers to the function that allows a user to reserve a date and time for an interview with a financial institution representative.

[0115] "Chat function" refers to a function that allows users to exchange text messages in real time.

[0116] "Filing a tax return" refers to the procedure for reporting income and expenses for a specific period and determining the amount of tax due.

[0117] "Notification" refers to a means of communicating information to inform users of the deadline for filing tax returns and other necessary information.

[0118] "Support" refers to providing users with guides and FAQs on how to prepare and complete the necessary documents for tax returns.

[0119] The present invention relates to a system that enables users to efficiently compare home loans and select and process the loans under the most optimal conditions. Specific embodiments of the system are described below.

[0120] System configuration

[0121] The system consists of the following main elements:

[0122] Server: Responsible for primary data processing and information management.

[0123] Terminal: Provides a user interface for inputting information and displaying results.

[0124] Database: Stores financial institution loan information and user preferences.

[0125] Information gathering

[0126] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[0127] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a database.

[0128] Enter conditions and search for information

[0129] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[0130] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[0131] Presentation of comparison results

[0132] The terminal sends the entered information to the server, which searches the database to extract the loan product that best matches the user's requirements. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the terminal.

[0133] Example: The server detects suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal.

[0134] simulation

[0135] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[0136] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal.

[0137] Visit reservation and chat function

[0138] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[0139] Example: When a user inputs "I would like to visit next Wednesday at 3pm" into a terminal, the server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email.

[0140] Tax return support

[0141] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[0142] Example: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question.

[0143] Prompt Sentence Examples

[0144] An example of a prompt sentence to be input to the generative AI model is shown below.

[0145] Prompt statement:

[0146] "Please explain the system that uses an API to obtain mortgage information from financial institutions, stores it in a database, and searches for the best loan product based on specified criteria."

[0147] Using this prompt, the generative AI model can generate text that clearly explains the system's detailed operation and steps.

[0148] In this way, the present invention allows users to efficiently and simply go through the complicated process of selecting and applying for a home loan.

[0149] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0150] Step 1:

[0151] Information collection: The server periodically retrieves mortgage product information using each financial institution's API or web scraping technology. The retrieved information includes interest rates, repayment periods, fees, and loan amounts. This information is stored in a database in JSON format. The input is the financial institution's API or webpage URL, and the output is the loan information stored in the database.

[0152] Specific operation: The server executes a scheduled job set at 3:00 AM every day, accessing the API endpoint of the specified financial institution to obtain the latest loan information. The obtained data is stored in a database.

[0153] Step 2:

[0154] Condition input: The user accesses the system using a terminal and inputs the desired loan conditions. The input conditions include the loan amount, repayment period, interest rate type (fixed or variable), down payment, etc. The input data is sent from the terminal to the server.

[0155] Specific operation: When the user enters "Loan amount 30 million yen, repayment period 35 years, fixed interest rate desired" into the input form on the terminal and presses the "Submit" button, the input data is sent to the server.

[0156] Step 3:

[0157] Data Search: The server searches the database based on the received criteria information. It searches for loan products that match the criteria and extracts their details. The input is the criteria entered by the user, and the output is the details of the loan products that match the criteria.

[0158] How it works: The server executes an SQL query to search for loan information in the database and extracts details of the corresponding loan product. The search results are sent to the device in JSON format.

[0159] Step 4:

[0160] Result presentation: The server organizes the search results and calculates the interest rate, total repayment amount, and monthly repayment amount for each loan product. The server then sends the organized results to the terminal. The output data is displayed to the user.

[0161] Specific operation: The server calculates the interest rate and total repayment amount for the appropriate loan product and sends the results in JSON format to the terminal. The terminal then displays the received data in an easy-to-understand graphical user interface (GUI).

[0162] Step 5:

[0163] Simulation: If the user wants a detailed simulation, they select the loan product they are interested in and enter additional conditions (e.g., down payment and repayment method). The server calculates a detailed repayment plan based on these conditions and displays the results on the terminal.

[0164] Specific operation: When the user enters additional conditions such as "5 million yen down payment, desired monthly repayment amount of 200,000 yen," the server calculates a detailed repayment schedule and sends the results in JSON format to the terminal. The terminal then displays the calculation results in tables and graphs.

[0165] Step 6:

[0166] Appointment: If a user wishes to meet with a representative from a specific financial institution, they input the desired date and time of the appointment. The server receives this information and accesses the affiliated financial institution's reservation system to complete the appointment. A confirmation email is sent to the user.

[0167] Specific operation: When the user enters "I would like to visit next Wednesday at 3pm" into the terminal and presses the "Book" button, the server accesses the financial institution's reservation system for that date and time to complete the reservation and send a confirmation email.

[0168] Step 7:

[0169] Tax return support: When it's time to file tax returns, the server notifies users of the necessary information and documents. Users can request additional support from their devices, and the server provides FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[0170] Specific operation: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides appropriate answers to the user's questions.

[0171] (Application example 1)

[0172] 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."

[0173] The process of comparing mortgage loans is complicated, and it takes time and effort for users to select the most suitable loan product. It is also difficult to obtain the latest loan information in a timely manner and present the most favorable terms to users. Furthermore, the complicated procedures for detailed simulations of repayment plans and scheduling interviews with financial institutions are a source of stress for users. Therefore, there is a need to provide a system that solves these issues and allows users to efficiently select and process mortgage loans.

[0174] 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.

[0175] In this invention, the server includes means for periodically acquiring loan information from financial institutions, means for the user to input loan conditions, means for searching for appropriate loan products from information in a database based on the input conditions and presenting the comparison results, means for conducting detailed simulations of the loan products selected by the user, means for making visit reservations with financial institutions and providing a chat function with a representative, means for notifying the user of information necessary when filing tax returns and supporting the procedures, means for acquiring real-time data on mortgage loans, means for generating and presenting repayment simulation results for each loan product based on user input, and means for automatically setting up visit reservations with financial institutions based on the user's desired date and time. This allows users to obtain the latest mortgage information in real time and efficiently select and process loans under optimal conditions.

[0176] A "financial institution" is an institution that provides financial services such as deposits, loans, payments, and fund management to customers.

[0177] "Loan information" refers to detailed data on loan services provided by financial institutions, including factors such as interest rates, repayment periods, fees, and loan amounts.

[0178] "User" refers to an individual or legal entity who uses the System to obtain mortgage information, compare, select, and process mortgage loans.

[0179] A "database" is a storage device within the system that organizes and stores loan information obtained from financial institutions and data entered by users.

[0180] "Simulation" is a means of calculating and predicting future repayment plans and total repayment amounts based on conditions entered by the user.

[0181] "Visit reservation" is a procedure for making a reservation for a specified date and time when a user wishes to meet with a person in charge of a specific financial institution.

[0182] "Real-time data" refers to information that is constantly updated and up-to-date, and in particular data that is valid at the moment a user accesses the system.

[0183] A "generative AI model" is a mathematical or algorithmic model that uses artificial intelligence techniques to generate and analyze specific information from data.

[0184] A "prompt sentence" is text data that is input into a generative AI model and specifically describes conditions and wishes.

[0185] The present invention is a system that allows users to efficiently compare home loans and select and process the loans under the most optimal conditions. Specific embodiments of the system are described below.

[0186] System configuration

[0187] The system consists of the following main elements:

[0188] Server: Responsible for major data processing and information management. Primarily uses cloud servers such as AWS (registered trademark) and Google (registered trademark) Cloud.

[0189] Terminal: A device such as a smartphone or PC that provides a user interface, inputs information, and displays results. This includes devices running iOS or ANDROID (registered trademark) OS.

[0190] Database: Stores loan information and user settings from financial institutions. SQL databases or NoSQL databases (e.g., MySQL (registered trademark), MongoDB) are used.

[0191] Information gathering

[0192] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[0193] As a specific example, the server accesses the API of a specific financial institution to obtain the latest information on fixed and variable interest rates and stores it in a database.

[0194] Enter conditions and search for information

[0195] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[0196] As a specific example, a user inputs "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired" through a terminal.

[0197] Presentation of comparison results

[0198] The terminal sends the entered information to the server, which searches the database to extract the loan product that best matches the user's requirements. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the terminal.

[0199] As a specific example, the server detects suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal.

[0200] simulation

[0201] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[0202] As a concrete example, if a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server will calculate a specific repayment schedule and display it on the terminal.

[0203] Real-time data acquisition for loan products

[0204] The server uses the generative AI model to periodically retrieve the latest mortgage information and update the database in real time, allowing users to always compare and select based on the most up-to-date information.

[0205] Visit reservation and chat function

[0206] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[0207] For example, if a user enters "I would like to make an appointment to visit Bank A next Wednesday at 3:00 p.m.", the server will access the financial institution's reservation system for that date and time, complete the reservation, and send a confirmation email.

[0208] Tax return support

[0209] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[0210] As a specific example, the server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question.

[0211] The above is a specific embodiment of the system, which allows users to efficiently and easily go through the complicated process of selecting and applying for a home loan.

[0212] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0213] Step 1:

[0214] The server periodically retrieves mortgage product information using each financial institution's API or web scraping technology. As input, it receives the financial institution's API access information and scripts, and as output, it organizes the retrieved loan information into a consistent format and stores it in a database.

[0215] Step 2:

[0216] A user accesses the system using a terminal and inputs the desired loan conditions, such as the loan amount, repayment period, interest rate type, and down payment, and the input form is sent to the server as output.

[0217] Step 3:

[0218] The server searches the database for loan information based on the conditions entered by the user, taking the loan conditions sent by the user as input and generating search results as output.

[0219] Step 4:

[0220] The server extracts appropriate loan products from the search results and generates comparison results such as interest rates, total repayment amounts, monthly repayment amounts, etc. The input is given as loan information in the database and the user's conditions, and the comparison results are generated as output.

[0221] Step 5:

[0222] The terminal presents the comparison results of the loan products sent from the server to the user. The comparison result data from the server is given as input, and the results are displayed on the terminal as output.

[0223] Step 6:

[0224] The user selects the mortgage product they are interested in and requests a detailed simulation. As input, the loan product they are interested in and additional terms (e.g., down payment, desired monthly repayment amount) are given, and as output, a simulation request is sent to the server.

[0225] Step 7:

[0226] The server calculates a detailed repayment schedule based on the down payment and repayment method entered by the user. As input, the user's additional conditions are given, and as output, a detailed repayment plan is generated.

[0227] Step 8:

[0228] The terminal displays the detailed repayment plan sent from the server to the user. As input, detailed repayment plan data from the server is given, and as output, the plan is displayed on the terminal.

[0229] Step 9:

[0230] The server uses the generative AI model to periodically retrieve real-time data on the latest mortgage loans and update the database. The input is a processing prompt and model parameters, and the output is the updated loan information reflected in the database.

[0231] Step 10:

[0232] When a user wishes to make an appointment with a financial institution, the user inputs the desired date and time from the terminal. The desired date and time is given as input, and a reservation request is sent to the server as output.

[0233] Step 11:

[0234] The server accesses the reservation system of the affiliated financial institution based on the user's desired date and time, and automatically sets up an appointment. The user's desired date and time and the financial institution's schedule information are given as input, and reservation confirmation information is generated as output.

[0235] Step 12:

[0236] The terminal presents the reservation confirmation information sent from the server to the user. The reservation confirmation data from the server is given as input, and the reservation information is displayed on the terminal as output.

[0237] 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.

[0238] The present invention relates to a system that allows users to efficiently compare home loans and select and process the loan under the most optimal conditions, and in particular provides more personalized support by incorporating an emotion engine that recognizes the user's emotions. Specific embodiments of the system are described below.

[0239] System configuration

[0240] The system consists of the following main elements:

[0241] Server: Responsible for primary data processing and information management.

[0242] Terminal: Provides a user interface for inputting information and displaying results.

[0243] Database: Stores financial institution loan information and user preferences.

[0244] Emotion engine: Recognizes user emotions and adjusts system behavior accordingly.

[0245] Information gathering

[0246] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[0247] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a database.

[0248] Enter conditions and search for information

[0249] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[0250] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[0251] Emotion recognition and response

[0252] The device uses an emotion engine to analyze emotions from the user's voice input, facial expressions, and text input. The emotion engine recognizes the user's emotions, such as joy, anger, sadness, and happiness, in real time and adjusts the system's behavior accordingly.

[0253] Example: If the user shows an anxious expression when entering conditions, the emotion engine will recognize this and notify the server, which will then instruct the device to display additional guidance or support messages to the user.

[0254] Presentation of comparison results

[0255] The device sends the input information and recognized emotion data to the server. The server then searches its database to extract mortgage products that match the user's requirements and emotional state. It then compares interest rates, total repayment amounts, monthly repayment amounts, and other factors and sends the results to the device.

[0256] Example: The server finds suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal. The terminal adjusts the level of detail and tone of the explanation displayed depending on the user's emotional state.

[0257] simulation

[0258] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[0259] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal. The simulation results present different scenarios depending on the user's emotional state.

[0260] Visit reservation and chat function

[0261] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[0262] Example: When a user types "I'd like to visit next Wednesday at 3pm" into a terminal, the server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email. Also, if a user has a question for a staff member via chat, the emotion engine analyzes the tone of the user's question and suggests an appropriate response.

[0263] Tax return support

[0264] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[0265] Example: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question. The emotion engine analyzes the user's response and provides any additional support needed.

[0266] In this way, the present invention allows users to efficiently and easily go through the complicated process of selecting and applying for a mortgage. Furthermore, the introduction of an emotion engine provides detailed support according to the user's emotional state.

[0267] The processing flow will be explained below.

[0268] Step 1:

[0269] The server periodically collects mortgage information, including interest rates, repayment terms, fees, etc., using each financial institution's API and web scraping technology. The collected information is stored in a database and organized in a consistent format.

[0270] Step 2:

[0271] Users access the system using a terminal and enter the terms of their desired mortgage, including the loan amount, repayment period, interest rate type (fixed or variable), and down payment.

[0272] Step 3:

[0273] The terminal receives the conditions entered by the user and transmits them to the server.

[0274] Step 4:

[0275] Based on the received conditions, the server searches the database for mortgage products that meet the user's conditions.

[0276] Step 5:

[0277] The server calculates the interest rate, total repayment amount, monthly repayment amount, etc. for the loan products found as search results and generates a comparison result, which the server sends to the terminal.

[0278] Step 6:

[0279] The terminal displays the comparison results received from the server to the user.

[0280] Step 7:

[0281] The user checks the displayed comparison results and selects the loan product in which he or she is interested.

[0282] Step 8:

[0283] While the display is being displayed, the device sends the user's voice, facial expressions, and text input to an emotion engine to analyze the user's emotions.

[0284] Step 9:

[0285] The emotion engine analyzes the user's emotions and detects emotions such as anxiety or confusion, and sends the results to the server.

[0286] Step 10:

[0287] The server generates additional guidance and support messages based on the user's emotions and sends them to the terminal.

[0288] Step 11:

[0289] The terminal displays the support message received from the server to the user, providing additional information to resolve the user's question.

[0290] Step 12:

[0291] If the user wishes to conduct a detailed simulation, he or she inputs the conditions (e.g., down payment, repayment method) to confirm the details of the selected loan product. The terminal sends this information to the server.

[0292] Step 13:

[0293] The server runs a detailed simulation and calculates a specific repayment plan for the selected loan product, including monthly repayment amounts and total repayment amounts, and sends the simulation results to the terminal.

[0294] Step 14:

[0295] The device displays the simulation results to the user, and the emotion engine analyzes the user's emotions again to provide the most appropriate information and adjust the approach.

[0296] Step 15:

[0297] If a user wishes to meet with a person in charge of a particular financial institution, the user inputs the desired date and time of the visit, and the terminal transmits this information to the server.

[0298] Step 16:

[0299] The server accesses the reservation system of the affiliated financial institution and makes a reservation for the visit at the user's desired date and time. The server then sends reservation confirmation information to the terminal.

[0300] Step 17:

[0301] The terminal displays the reservation confirmation information to the user and simultaneously sends a confirmation email, which the user can use to confirm the date and time of the visit.

[0302] Step 18:

[0303] When a user wants to ask a question using the chat function, they input the question from their terminal, which then sends the question to the server.

[0304] Step 19:

[0305] The server chats with financial institution staff in real time, receives answers to the user's questions from the staff, and an emotion engine analyzes the tone of the user's words and adjusts the appropriate response.

[0306] Step 20:

[0307] The server sends a response to the terminal.

[0308] Step 21:

[0309] The terminal displays the answer from the person in charge to the user, which allows the user to resolve their doubts.

[0310] Step 22:

[0311] When tax return filing time approaches, the server sends notifications to users, including information such as filing deadlines, required documents, and the nearest tax return filing location.

[0312] Step 23:

[0313] If the user wants additional support, they input a specific question into the terminal, which then sends the question to the server.

[0314] Step 24:

[0315] The server searches for appropriate information from FAQs and guides to generate answers to the user's questions. If necessary, it provides templates and instructions for filling out forms. An emotion engine analyzes the user's responses and tailors additional assistance.

[0316] Step 25:

[0317] The device displays answers and guidelines to the user and provides support for filing tax returns, allowing the user to smoothly proceed with the tax return procedure.

[0318] Example 2

[0319] 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."

[0320] Choosing a home loan requires gathering and comparing a lot of information, making it a very time-consuming and cumbersome process for users. Furthermore, because personal support tailored to the user's emotional state is not provided, it is difficult to select a loan with optimal terms. Furthermore, even after selecting a loan, there is a lack of support for detailed simulations, procedures with financial institutions, and tax returns. To solve these issues, a system is needed that provides efficient information gathering and comparison, as well as personalized support.

[0321] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means. In this invention, the server includes a means for periodically acquiring loan information from financial institutions, a means for a user to input loan conditions, a means for searching for appropriate loan products from information in a data store based on the input conditions and presenting the comparison results, a means for performing detailed calculations for the loan product selected by the user, a means for providing functions for scheduling appointments with financial institutions and communicating with staff, a means for notifying the user of information necessary during the filing period and supporting the procedure, and a means for recognizing the user's emotions and adjusting the system's operation. This enables users to efficiently and easily select and process a home loan and receive personalized support tailored to their emotions.

[0322] "Financial institutions" are organizations that provide financial services, such as banks, credit unions, credit associations, and insurance companies that provide lending services.

[0323] "Loan information" refers to detailed information about loans offered by each financial institution, specifically data such as interest rates, repayment periods, fees, and loan amounts.

[0324] "Means for periodic acquisition" refers to a program or process for automatically collecting data at predetermined time intervals.

[0325] "User" refers to the end user who uses the system to compare and select mortgage loans.

[0326] "Loan conditions" refer to conditions such as the loan amount desired by the user, repayment period, interest rate type (fixed or variable), down payment, etc.

[0327] "Data store" refers to a database or data warehouse for storing acquired loan information.

[0328] The "means for performing detailed calculations" is an algorithm or software for calculating monthly repayment plans and total repayment amounts based on the entered down payment and repayment method.

[0329] "Scheduled appointment" refers to the act of setting a date and time for an interview with a financial institution representative in advance.

[0330] "Communication function" refers to the function that allows users to exchange text messages with financial institution personnel in real time.

[0331] The "filing period" refers to the period during which tax returns are filed, which usually corresponds to the annual final tax return filing period.

[0332] "Means for recognizing emotions and adjusting system behavior" refers to the function of recognizing emotions by analyzing the user's facial expressions, voice, and text input, and dynamically changing the system's display and support content based on the results.

[0333] The present invention relates to a system that allows users to efficiently compare home loans and select and process the loan under the most optimal conditions. In particular, by incorporating an emotion engine that recognizes the user's emotions, the system provides more personalized support. Specific embodiments of the system are described below.

[0334] System configuration

[0335] The system consists of the following main elements:

[0336] Server: Responsible for primary data processing and information management.

[0337] Terminal: Provides a user interface for inputting information and displaying results.

[0338] Data store: Stores loan information from financial institutions and user preferences.

[0339] Emotion engine: Recognizes user emotions and adjusts system behavior accordingly.

[0340] Hardware and Software

[0341] The overall system uses the following hardware and software:

[0342] Server: A server machine equipped with a powerful processor, sufficient memory, and large storage capacity (e.g., Microsoft® Azure® or AWS).

[0343] Terminal: A device that a user operates (e.g., PC, smartphone, tablet).

[0344] Data store: A relational database management system (e.g., MySQL, PostgreSQL).

[0345] Sentiment engine: Machine learning models (e.g., Google Cloud Natural Language API, Microsoft Azure Cognitive Services).

[0346] Specific Examples

[0347] Information gathering

[0348] The server periodically retrieves mortgage product information using each financial institution's API and web collection technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a data store and organized in a consistent format.

[0349] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a data store.

[0350] Enter conditions and search for information

[0351] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[0352] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[0353] Emotion recognition and response

[0354] The device uses an emotion engine to analyze emotions from the user's voice input, facial expressions, and text input. The emotion engine recognizes the user's emotions, such as joy, anger, sadness, and happiness, in real time and adjusts the system's behavior accordingly.

[0355] Example: If the user shows an anxious expression when entering conditions, the emotion engine will recognize this and notify the server, which will then instruct the device to display additional guidance or support messages to the user.

[0356] Presentation of comparison results

[0357] The device sends the input information and recognized emotion data to the server. The server searches its data store to extract mortgage products that match the user's requirements and emotional state. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the device.

[0358] Example: The server finds suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal. The terminal adjusts the level of detail and tone of the explanation displayed depending on the user's emotional state.

[0359] simulation

[0360] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[0361] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal. The simulation results present different scenarios depending on the user's emotional state.

[0362] Visit reservation and chat function

[0363] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[0364] Example: When a user types "I'd like to visit next Wednesday at 3pm" into a terminal, the server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email. Also, if a user has a question for a staff member via chat, the emotion engine analyzes the tone of the user's question and suggests an appropriate response.

[0365] Tax return support

[0366] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[0367] Example: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question. The emotion engine analyzes the user's response and provides any additional support needed.

[0368] Example prompts for generative AI models

[0369] An example prompt might look like this:

[0370] "Tell us how you can use this system to streamline mortgage comparison and selection, and provide personalized support by recognizing users' emotions."

[0371] "Please explain how the system can recognize emotions when users enter conditions and provide support based on those emotions."

[0372] "Please explain with concrete examples how a system works that uses a financial institution's API to collect loan information, stores it in a database, and suggests the best loan for the user."

[0373] As a result, this system streamlines the selection and procedures for home loans and provides personal support that responds to the user's emotions.

[0374] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0375] Step 1: Gather information

[0376] The server periodically retrieves mortgage product information using each financial institution's API or web collection technology. As input, the server has an API key and an access URL. This information includes interest rates, repayment periods, fees, and loan amounts. After collecting the data, the server stores the retrieved information in temporary files and then transfers it to a data store to organize it into a consistent format. As output, the organized loan information is stored in the data store.

[0377] Specific operation: Once a day, the server sends a request to the API of the specified financial institution to obtain the latest mortgage information. The obtained data is temporarily saved in JSON format, then converted to a specified format and stored in the data store.

[0378] Step 2: Enter criteria and search for information

[0379] A user accesses the system using a terminal and enters the terms of the loan they wish to borrow, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), down payment, etc. The terminal sends this input to the server, which then searches the data store for loan products that match the terms. The search results are returned to the terminal as output.

[0380] Specific operation: The user enters "Loan amount 30 million yen, repayment period 35 years, fixed interest rate desired" into the input form on the terminal and clicks the submit button. The terminal sends the input to the server, which searches the data store for loan products that meet the conditions, creates a list, and sends and displays it on the terminal.

[0381] Step 3: Recognize and respond to emotions

[0382] The device uses an emotion engine to analyze emotions from the user's voice input, facial expressions, and text input. The emotion engine recognizes the user's emotional data in real time and sends it to the server. The server then adjusts the system's behavior based on this data and presents an optimal user interface. As an output, guidance and support messages corresponding to the emotion are displayed.

[0383] Specific operation: If the user shows an anxious expression when entering conditions, the device's camera and microphone collect emotional data, which is analyzed by the emotion engine. If the emotional data is recognized as anxiety, it is notified to the server, which then instructs and displays additional guidance or reassuring messages on the device.

[0384] Step 4: Presenting the comparison results

[0385] The terminal sends the entered loan conditions and the recognized emotion data to the server. The server searches the data store and extracts mortgage products that match the user's conditions and emotional state. The server compares the extracted loan information and sends the results to the terminal. The comparison results are displayed on the terminal as an output.

[0386] Specific operation: The server searches the data store for the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," extracts the most suitable loan products, and sends detailed information such as interest rate, total repayment amount, and refund fee for each product in a table format to the terminal. The terminal receives this and displays it in a tone that corresponds to the user's emotion.

[0387] Step 5: Simulation

[0388] When a user selects a mortgage product that interests them, they request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). As an output, a specific repayment schedule is displayed on the terminal.

[0389] Specific operation: The user selects a specific loan product and enters simulation conditions such as a down payment of 5 million yen and desired monthly repayment of 200,000 yen. The server generates a detailed repayment plan based on this information, calculates monthly repayment amounts, total repayment amounts, interest payments, etc., and displays them on the terminal. The terminal then provides additional explanations according to the user's emotional state.

[0390] Step 6: Schedule a visit and chat

[0391] When a user wishes to meet with a person in charge of a specific financial institution, they use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the reservation system of the affiliated financial institution to complete the reservation procedure. A reservation confirmation is displayed on the terminal as an output. In addition, the user and the financial institution's person in charge can exchange text messages in real time via the chat function.

[0392] Specific operation: The user enters "I would like to visit next Wednesday at 3:00 PM" into the reservation form on the device and submits it. The server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email to the user. The user can also open the chat screen on the device and enter a question, allowing them to exchange messages with the person in charge in real time.

[0393] Step 7: Tax return support

[0394] When it's time to file, the server notifies the user of the necessary information and documents. The user can request additional support from the device. The server provides FAQs and guides, and provides templates and instructions for the necessary documents. The output is displayed on the device, detailing the documents and procedures to be prepared.

[0395] Specific operation: When it's time to file tax returns, the server sends the user a notification such as, "The filing deadline is March 15th. The required documents are XX and XX." If the user requests detailed support, the server sends the corresponding FAQ, guide materials, and document templates to the device, providing instructions on how to fill them out. The emotion engine analyzes the user's reaction and provides additional support as needed.

[0396] (Application example 2)

[0397] 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."

[0398] Conventional mortgage comparison systems and shopping assistant systems have been unable to fully alleviate the complexity and stress felt by users. In particular, they lack personalized support because they are unable to respond to users' emotions and psychological state. Furthermore, when selecting loan products or in-store products, they are unable to provide information that takes users' emotions into consideration, making it difficult to improve satisfaction.

[0399] 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 periodically acquiring loan information from financial institutions, means for the user to input loan conditions, means for searching for appropriate loan products from information in a database based on the input conditions and presenting the comparison results, means for performing detailed simulations of the loan products selected by the user, means for scheduling a visit with a financial institution and providing a chat function with a staff member, means for notifying the user of information necessary for tax return filing and supporting the procedure, emotion recognition means for recognizing the user's emotions and adjusting the system's operation based on the emotions, and means for dynamically adjusting product explanations and recommended product information based on the user's emotion data. This makes it possible to provide personalized support and appropriate information according to the user's emotions.

[0400] A "financial institution" is an organization that acts as a lender and offers loan products, such as a bank or credit union.

[0401] "Loan information" is detailed data about loan products offered by financial institutions, such as interest rates, repayment periods, fees, and loan amounts.

[0402] "Users" are individuals or corporations who use this system to compare mortgage loans and receive shopping support.

[0403] "Conditions" refer to requirements such as the characteristics of the loan desired by the user, the specifications of the product being considered for purchase, and the budget.

[0404] A "database" is an information system for storing and managing acquired loan information, product information, user input information, emotional data, etc.

[0405] "Emotion recognition means" is a technology for analyzing and recognizing emotions in real time from a user's voice, facial expressions, text input, etc.

[0406] "Simulation" is a function that specifically calculates future repayment plans and payment scenarios based on the conditions and detailed loan information entered by the user.

[0407] "Visit appointment" is a procedure in which a user makes an appointment online to meet with a person in charge of a specific financial institution.

[0408] The "chat function" allows users to exchange text messages with financial institution staff in real time to ask questions or receive advice.

[0409] "Filing a tax return" is a series of procedures at the end of the fiscal year in which users prepare and submit the necessary documents for tax payment.

[0410] "Emotion Data" means information about a User's emotional state collected and analyzed by the Emotion Recognition Means.

[0411] "Personalized support" is a feature that provides specialized assistance and information tailored to individual needs based on the user's specific conditions and emotional state.

[0412] "Dynamic adjustment" means changing and adapting the information displayed and the response method in real time based on the user's emotional state and input information.

[0413] The system for implementing this invention periodically acquires loan information from financial institutions and recognizes the user's emotions to provide personalized support. This system mainly consists of the following elements.

[0414] server

[0415] The server is responsible for the main data processing and information management functions, including the following key functions:

[0416] 1. Data collection: The server periodically collects mortgage product information using the financial institution's API or web scraping technology, and stores it in a database. The technology used can be, for example, an "API access tool" or a "web scraping library."

[0417] 2. Information search and comparison: Based on the criteria entered by the user, the system searches for information in the database and compares the best loan products. The results are presented in different formats depending on the user's emotional state.

[0418] 3. Emotion analysis: The server analyzes the user's voice and facial expression data sent from the device and recognizes the user's emotions through an emotion engine. For this purpose, it uses the Microsoft Azure Emotion API and Google Cloud Vision API.

[0419] 4. Simulation: A detailed simulation is performed for the loan product selected by the user, and future repayment plans are calculated.

[0420] Terminal

[0421] The terminal provides a user interface for inputting information and displaying results. Its main functions are as follows:

[0422] 1. Condition input: Provides an interface for users to input the conditions of the loan they desire.

[0423] 2. Emotion recognition: Recognizes emotions in real time from the user's voice input, facial expressions, and text input, and sends the data to the server. The device is equipped with a camera and microphone, and the emotion engine processes this data.

[0424] 3. Information display: The comparison results and simulation results sent from the server are displayed. The display method is adjusted according to the user's emotional state.

[0425] 4. Notification function: Notifies users of necessary information when it comes time to file their tax returns and provides support for the procedures.

[0426] User operations

[0427] The user operates the terminal and executes the following procedure.

[0428] 1. Enter the conditions: For example, enter "Loan amount 30 million yen, repayment period 35 years, fixed interest rate desired."

[0429] 2. Information display: If the user shows an anxious expression, the system will recognize this and the server will display additional guidance or support messages.

[0430] 3. Simulation and consultation: Check the detailed simulation results and chat with a financial institution representative or schedule a visit if necessary.

[0431] Prompt Sentence Examples

[0432] "If a user searches for 'running shoes' in the shoe department and the emotion engine recognizes 'anxiety,' explain the logic behind showing the user a personalized product description, a video link about its benefits, and even a chat button to talk to a staff member."

[0433] This invention allows users to receive emotionally sensitive and personal support, reducing the complexity and stress of choosing a home loan.

[0434] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0435] Step 1:

[0436] The user operates the terminal and inputs the loan conditions. Specifically, the user enters information such as "loan amount 30 million yen, repayment period 35 years, fixed interest rate" into the input interface. At this time, the terminal sends these conditions to the server. The input data includes the loan amount, repayment period, interest rate type, etc.

[0437] Step 2:

[0438] The server receives the user's condition data sent from the terminal. Next, the server searches the information in the database for loan products that match the user's conditions. At this time, the server retrieves loan information from the database using an API access tool or web scraping library. The processed data includes detailed information such as the loan product, interest rate, repayment period, and fees.

[0439] Step 3:

[0440] The server sends the search results to the terminal, which receives them and displays them on the screen. As the user checks the search results, the emotion recognition means captures the user's facial expressions and voice and sends them to the server. The input data are the loan comparison results and the user's emotion data.

[0441] Step 4:

[0442] The server receives the user's emotional data sent from the emotion recognition means and analyzes it through the emotion engine. For example, if the user shows an anxious expression, the server recognizes this and instructs the device to display additional guidance or support messages. The processed data is expressed as an action according to the user's emotional state.

[0443] Step 5:

[0444] Based on instructions from the server, the device displays support messages that correspond to the user's emotional state. For example, a user who shows an anxious expression will be shown a detailed product description, a video link, and a consultation chat button. The input data are the instructions from the server, and the output data are details of the information provided to the user.

[0445] Step 6:

[0446] If a user selects a loan product that interests them and wishes to perform a detailed simulation, they can enter the information into the terminal. For example, they can enter detailed conditions such as "down payment of 5 million yen, desired monthly repayment amount of 200,000 yen." This data is sent to the server.

[0447] Step 7:

[0448] The server receives detailed conditions entered by the user and calculates a repayment plan based on them. The simulation results include monthly repayment amounts and total repayment amounts. This calculation is performed on the server, and the processed data is a detailed repayment schedule.

[0449] Step 8:

[0450] The server then sends the simulation results to the terminal, which visually displays the results and provides the user with the option to schedule a visit or chat with a representative, if desired. The final output data is a user-friendly repayment schedule and additional operation options.

[0451] In this way, the system of the present invention is able to dynamically respond and provide personalized support based on the user's input conditions and emotional state.

[0452] 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.

[0453] 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.

[0454] 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.

[0455] [Second embodiment]

[0456] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0457] 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.

[0458] 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).

[0459] 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.

[0460] 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.

[0461] 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).

[0462] 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.

[0463] 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.

[0464] 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.

[0465] 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.

[0466] 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.

[0467] 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."

[0468] The present invention relates to a system that enables users to efficiently compare home loans and select and process the loans under the most optimal conditions. Specific embodiments of the system are described below.

[0469] System configuration

[0470] The system consists of the following main elements:

[0471] Server: Responsible for primary data processing and information management.

[0472] Terminal: Provides a user interface for inputting information and displaying results.

[0473] Database: Stores financial institution loan information and user preferences.

[0474] Information gathering

[0475] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[0476] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a database.

[0477] Enter conditions and search for information

[0478] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[0479] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[0480] Presentation of comparison results

[0481] The terminal sends the entered information to the server, which searches the database to extract the loan product that best matches the user's requirements. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the terminal.

[0482] Example: The server detects suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal.

[0483] simulation

[0484] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[0485] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal.

[0486] Visit reservation and chat function

[0487] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[0488] Example: When a user inputs "I would like to visit next Wednesday at 3pm" into a terminal, the server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email.

[0489] Tax return support

[0490] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[0491] Example: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question.

[0492] In this way, the present invention allows users to efficiently and simply go through the complicated process of selecting and applying for a home loan.

[0493] The processing flow will be explained below.

[0494] Step 1:

[0495] The server periodically collects mortgage information using each financial institution's API and web scraping technology, obtaining information such as interest rates, repayment periods, and fees, and stores it in a database.

[0496] Step 2:

[0497] Users access the system from a terminal and enter the terms of the mortgage they want, including the loan amount, repayment period, interest rate type (fixed or variable), and down payment.

[0498] Step 3:

[0499] The terminal sends the entered conditions to the server, which uses the received information to search its database for mortgage products that match the user's conditions.

[0500] Step 4:

[0501] The server calculates the interest rate, total repayment amount, monthly repayment amount, etc. for the loan products found as search results and generates a comparison result, which the server sends to the terminal.

[0502] Step 5:

[0503] The terminal displays the comparison results received from the server to the user, who then checks the displayed comparison results and selects the loan product that interests them.

[0504] Step 6:

[0505] If the user wishes to conduct a detailed simulation, he or she inputs the conditions (e.g., down payment, repayment method) to confirm the details of the selected loan product. The terminal sends this information to the server.

[0506] Step 7:

[0507] The server runs a detailed simulation and calculates a specific repayment plan for the selected loan product, including monthly repayment amounts and total repayment amounts, and sends the simulation results to the terminal.

[0508] Step 8:

[0509] The terminal displays the simulation results to the user, who then checks the presented repayment plan and, if satisfied, proceeds to the next step.

[0510] Step 9:

[0511] If a user wishes to meet with a person in charge of a particular financial institution, the user inputs the desired date and time of the visit, and the terminal transmits this information to the server.

[0512] Step 10:

[0513] The server accesses the reservation system of the affiliated financial institution and makes a reservation for the visit at the user's desired date and time. The server then sends reservation confirmation information to the terminal.

[0514] Step 11:

[0515] The terminal displays the reservation confirmation information to the user and simultaneously sends a confirmation email, which the user can use to confirm the date and time of the visit.

[0516] Step 12:

[0517] When a user wants to ask a question using the chat function, they input the question from their terminal, which then sends the question to the server.

[0518] Step 13:

[0519] The server chats with the financial institution's staff in real time, receives answers to the user's questions from the staff, and sends the answers to the terminal.

[0520] Step 14:

[0521] The terminal displays the answer from the person in charge to the user, which allows the user to resolve their doubts.

[0522] Step 15:

[0523] When tax return filing time approaches, the server sends notifications to users, including information such as filing deadlines, required documents, and the nearest tax return filing location.

[0524] Step 16:

[0525] If the user wants additional support, they input a specific question into the terminal, which then sends the question to the server.

[0526] Step 17:

[0527] The server searches for appropriate information from FAQs and guides to generate answers to the user's questions, and if necessary, provides templates and instructions for filling out forms. The server then sends this information to the device.

[0528] Step 18:

[0529] The device displays answers and guidelines to the user and provides support for filing tax returns, allowing the user to smoothly proceed with the tax return procedure.

[0530] Example 1

[0531] 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."

[0532] When choosing a mortgage, comparing the vast number of financial institutions and their services takes time and effort. The process of finding the optimal loan product and applying for it is also complicated, placing a significant burden on users. Furthermore, simulating mortgage repayments, contacting financial institutions, and filing tax returns are all time-consuming, creating a need for a system that can manage all of these tasks in a unified manner.

[0533] 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.

[0534] In this invention, the server includes means for periodically acquiring loan information from financial institutions, means for users to input loan conditions, means for searching for appropriate loan products from information in a database based on the input conditions and presenting comparison results, means for conducting detailed simulations of the loan products selected by the user, means for making appointments with financial institutions and providing chat functions with staff, and means for notifying users of information necessary when it comes time to file their tax returns and supporting the procedures, thereby enabling users to efficiently and easily select and process the most suitable mortgage loan.

[0535] "Financial institutions" refer to organizations such as banks and credit unions that provide mortgage loans.

[0536] "Loan Information" refers to data related to a mortgage, such as interest rates, repayment terms, fees, and loan amounts.

[0537] "User" means an individual who uses the System to compare, select, and process a mortgage loan.

[0538] "API" stands for Application Programming Interface and refers to an interface for exchanging information between different software programs.

[0539] "Web scraping technology" refers to software technology for automatically collecting data from websites.

[0540] "Database" refers to the system for storing and managing acquired loan information.

[0541] "Loan conditions" refer to requirements such as loan amount, repayment period, interest rate type, down payment, etc., that a user specifies when selecting a home loan.

[0542] "Simulation" refers to the process of calculating and predicting the outcome of a loan repayment plan based on specific conditions.

[0543] The "visit reservation function" refers to the function that allows a user to reserve a date and time for an interview with a financial institution representative.

[0544] "Chat function" refers to a function that allows users to exchange text messages in real time.

[0545] "Filing a tax return" refers to the procedure for reporting income and expenses for a specific period and determining the amount of tax due.

[0546] "Notification" refers to a means of communicating information to inform users of the deadline for filing tax returns and other necessary information.

[0547] "Support" refers to providing users with guides and FAQs on how to prepare and complete the necessary documents for tax returns.

[0548] The present invention relates to a system that enables users to efficiently compare home loans and select and process the loans under the most optimal conditions. Specific embodiments of the system are described below.

[0549] System configuration

[0550] The system consists of the following main elements:

[0551] Server: Responsible for primary data processing and information management.

[0552] Terminal: Provides a user interface for inputting information and displaying results.

[0553] Database: Stores financial institution loan information and user preferences.

[0554] Information gathering

[0555] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[0556] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a database.

[0557] Enter conditions and search for information

[0558] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[0559] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[0560] Presentation of comparison results

[0561] The terminal sends the entered information to the server, which searches the database to extract the loan product that best matches the user's requirements. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the terminal.

[0562] Example: The server detects suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal.

[0563] simulation

[0564] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[0565] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal.

[0566] Visit reservation and chat function

[0567] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[0568] Example: When a user inputs "I would like to visit next Wednesday at 3pm" into a terminal, the server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email.

[0569] Tax return support

[0570] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[0571] Example: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question.

[0572] Prompt Sentence Examples

[0573] An example of a prompt sentence to be input to the generative AI model is shown below.

[0574] Prompt statement:

[0575] "Please explain the system that uses an API to obtain mortgage information from financial institutions, stores it in a database, and searches for the best loan product based on specified criteria."

[0576] Using this prompt, the generative AI model can generate text that clearly explains the system's detailed operation and steps.

[0577] In this way, the present invention allows users to efficiently and simply go through the complicated process of selecting and applying for a home loan.

[0578] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0579] Step 1:

[0580] Information collection: The server periodically retrieves mortgage product information using each financial institution's API or web scraping technology. The retrieved information includes interest rates, repayment periods, fees, and loan amounts. This information is stored in a database in JSON format. The input is the financial institution's API or webpage URL, and the output is the loan information stored in the database.

[0581] Specific operation: The server executes a scheduled job set at 3:00 AM every day, accessing the API endpoint of the specified financial institution to obtain the latest loan information. The obtained data is stored in a database.

[0582] Step 2:

[0583] Condition input: The user accesses the system using a terminal and inputs the desired loan conditions. The input conditions include the loan amount, repayment period, interest rate type (fixed or variable), down payment, etc. The input data is sent from the terminal to the server.

[0584] Specific operation: When the user enters "Loan amount 30 million yen, repayment period 35 years, fixed interest rate desired" into the input form on the terminal and presses the "Submit" button, the input data is sent to the server.

[0585] Step 3:

[0586] Data Search: The server searches the database based on the received criteria information. It searches for loan products that match the criteria and extracts their details. The input is the criteria entered by the user, and the output is the details of the loan products that match the criteria.

[0587] How it works: The server executes an SQL query to search for loan information in the database and extracts details of the corresponding loan product. The search results are sent to the device in JSON format.

[0588] Step 4:

[0589] Result presentation: The server organizes the search results and calculates the interest rate, total repayment amount, and monthly repayment amount for each loan product. The server then sends the organized results to the terminal. The output data is displayed to the user.

[0590] Specific operation: The server calculates the interest rate and total repayment amount for the appropriate loan product and sends the results in JSON format to the terminal. The terminal then displays the received data in an easy-to-understand graphical user interface (GUI).

[0591] Step 5:

[0592] Simulation: If the user wants a detailed simulation, they select the loan product they are interested in and enter additional conditions (e.g., down payment and repayment method). The server calculates a detailed repayment plan based on these conditions and displays the results on the terminal.

[0593] Specific operation: When the user enters additional conditions such as "5 million yen down payment, desired monthly repayment amount of 200,000 yen," the server calculates a detailed repayment schedule and sends the results in JSON format to the terminal. The terminal then displays the calculation results in tables and graphs.

[0594] Step 6:

[0595] Appointment: If a user wishes to meet with a representative from a specific financial institution, they input the desired date and time of the appointment. The server receives this information and accesses the affiliated financial institution's reservation system to complete the appointment. A confirmation email is sent to the user.

[0596] Specific operation: When the user enters "I would like to visit next Wednesday at 3pm" into the terminal and presses the "Book" button, the server accesses the financial institution's reservation system for that date and time to complete the reservation and send a confirmation email.

[0597] Step 7:

[0598] Tax return support: When it's time to file tax returns, the server notifies users of the necessary information and documents. Users can request additional support from their devices, and the server provides FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[0599] Specific operation: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides appropriate answers to the user's questions.

[0600] (Application example 1)

[0601] 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."

[0602] The process of comparing mortgage loans is complicated, and it takes time and effort for users to select the most suitable loan product. It is also difficult to obtain the latest loan information in a timely manner and present the most favorable terms to users. Furthermore, the complicated procedures for detailed simulations of repayment plans and scheduling interviews with financial institutions are a source of stress for users. Therefore, there is a need to provide a system that solves these issues and allows users to efficiently select and process mortgage loans.

[0603] 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.

[0604] In this invention, the server includes means for periodically acquiring loan information from financial institutions, means for the user to input loan conditions, means for searching for appropriate loan products from information in a database based on the input conditions and presenting the comparison results, means for conducting detailed simulations of the loan products selected by the user, means for making visit reservations with financial institutions and providing a chat function with a representative, means for notifying the user of information necessary when filing tax returns and supporting the procedures, means for acquiring real-time data on mortgage loans, means for generating and presenting repayment simulation results for each loan product based on user input, and means for automatically setting up visit reservations with financial institutions based on the user's desired date and time. This allows users to obtain the latest mortgage information in real time and efficiently select and process loans under optimal conditions.

[0605] A "financial institution" is an institution that provides financial services such as deposits, loans, payments, and fund management to customers.

[0606] "Loan information" refers to detailed data on loan services provided by financial institutions, including factors such as interest rates, repayment periods, fees, and loan amounts.

[0607] "User" refers to an individual or legal entity who uses the System to obtain mortgage information, compare, select, and process mortgage loans.

[0608] A "database" is a storage device within the system that organizes and stores loan information obtained from financial institutions and data entered by users.

[0609] "Simulation" is a means of calculating and predicting future repayment plans and total repayment amounts based on conditions entered by the user.

[0610] "Visit reservation" is a procedure for making a reservation for a specified date and time when a user wishes to meet with a person in charge of a specific financial institution.

[0611] "Real-time data" refers to information that is constantly updated and up-to-date, and in particular data that is valid at the moment a user accesses the system.

[0612] A "generative AI model" is a mathematical or algorithmic model that uses artificial intelligence techniques to generate and analyze specific information from data.

[0613] A "prompt sentence" is text data that is input into a generative AI model and specifically describes conditions and wishes.

[0614] The present invention is a system that allows users to efficiently compare home loans and select and process the loans under the most optimal conditions. Specific embodiments of the system are described below.

[0615] System configuration

[0616] The system consists of the following main elements:

[0617] Server: Responsible for major data processing and information management. Primarily uses cloud servers such as AWS and Google Cloud.

[0618] Terminal: A device such as a smartphone or PC that provides a user interface, inputs information, and displays results. This includes devices running iOS or Android OS.

[0619] Database: Stores loan information and user settings from financial institutions. SQL databases or NoSQL databases (e.g., MySQL, MongoDB) are used.

[0620] Information gathering

[0621] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[0622] As a specific example, the server accesses the API of a specific financial institution to obtain the latest information on fixed and variable interest rates and stores it in a database.

[0623] Enter conditions and search for information

[0624] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[0625] As a specific example, a user inputs "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired" through a terminal.

[0626] Presentation of comparison results

[0627] The terminal sends the entered information to the server, which searches the database to extract the loan product that best matches the user's requirements. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the terminal.

[0628] As a specific example, the server detects suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal.

[0629] simulation

[0630] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[0631] As a concrete example, if a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server will calculate a specific repayment schedule and display it on the terminal.

[0632] Real-time data acquisition for loan products

[0633] The server uses the generative AI model to periodically retrieve the latest mortgage information and update the database in real time, allowing users to always compare and select based on the most up-to-date information.

[0634] Visit reservation and chat function

[0635] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[0636] For example, if a user enters "I would like to make an appointment to visit Bank A next Wednesday at 3:00 p.m.", the server will access the financial institution's reservation system for that date and time, complete the reservation, and send a confirmation email.

[0637] Tax return support

[0638] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[0639] As a specific example, the server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question.

[0640] The above is a specific embodiment of the system, which allows users to efficiently and easily go through the complicated process of selecting and applying for a home loan.

[0641] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0642] Step 1:

[0643] The server periodically retrieves mortgage product information using each financial institution's API or web scraping technology. As input, it receives the financial institution's API access information and scripts, and as output, it organizes the retrieved loan information into a consistent format and stores it in a database.

[0644] Step 2:

[0645] A user accesses the system using a terminal and inputs the desired loan conditions, such as the loan amount, repayment period, interest rate type, and down payment, and the input form is sent to the server as output.

[0646] Step 3:

[0647] The server searches the database for loan information based on the conditions entered by the user, taking the loan conditions sent by the user as input and generating search results as output.

[0648] Step 4:

[0649] The server extracts appropriate loan products from the search results and generates comparison results such as interest rates, total repayment amounts, monthly repayment amounts, etc. The input is given as loan information in the database and the user's conditions, and the comparison results are generated as output.

[0650] Step 5:

[0651] The terminal presents the comparison results of the loan products sent from the server to the user. The comparison result data from the server is given as input, and the results are displayed on the terminal as output.

[0652] Step 6:

[0653] The user selects the mortgage product they are interested in and requests a detailed simulation. As input, the loan product they are interested in and additional terms (e.g., down payment, desired monthly repayment amount) are given, and as output, a simulation request is sent to the server.

[0654] Step 7:

[0655] The server calculates a detailed repayment schedule based on the down payment and repayment method entered by the user. As input, the user's additional conditions are given, and as output, a detailed repayment plan is generated.

[0656] Step 8:

[0657] The terminal displays the detailed repayment plan sent from the server to the user. As input, detailed repayment plan data from the server is given, and as output, the plan is displayed on the terminal.

[0658] Step 9:

[0659] The server uses the generative AI model to periodically retrieve real-time data on the latest mortgage loans and update the database. The input is a processing prompt and model parameters, and the output is the updated loan information reflected in the database.

[0660] Step 10:

[0661] When a user wishes to make an appointment with a financial institution, the user inputs the desired date and time from the terminal. The desired date and time is given as input, and a reservation request is sent to the server as output.

[0662] Step 11:

[0663] The server accesses the reservation system of the affiliated financial institution based on the user's desired date and time, and automatically sets up an appointment. The user's desired date and time and the financial institution's schedule information are given as input, and reservation confirmation information is generated as output.

[0664] Step 12:

[0665] The terminal presents the reservation confirmation information sent from the server to the user. The reservation confirmation data from the server is given as input, and the reservation information is displayed on the terminal as output.

[0666] 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.

[0667] The present invention relates to a system that allows users to efficiently compare home loans and select and process the loan under the most optimal conditions, and in particular provides more personalized support by incorporating an emotion engine that recognizes the user's emotions. Specific embodiments of the system are described below.

[0668] System configuration

[0669] The system consists of the following main elements:

[0670] Server: Responsible for primary data processing and information management.

[0671] Terminal: Provides a user interface for inputting information and displaying results.

[0672] Database: Stores financial institution loan information and user preferences.

[0673] Emotion engine: Recognizes user emotions and adjusts system behavior accordingly.

[0674] Information gathering

[0675] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[0676] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a database.

[0677] Enter conditions and search for information

[0678] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[0679] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[0680] Emotion recognition and response

[0681] The device uses an emotion engine to analyze emotions from the user's voice input, facial expressions, and text input. The emotion engine recognizes the user's emotions, such as joy, anger, sadness, and happiness, in real time and adjusts the system's behavior accordingly.

[0682] Example: If the user shows an anxious expression when entering conditions, the emotion engine will recognize this and notify the server, which will then instruct the device to display additional guidance or support messages to the user.

[0683] Presentation of comparison results

[0684] The device sends the input information and recognized emotion data to the server. The server then searches its database to extract mortgage products that match the user's requirements and emotional state. It then compares interest rates, total repayment amounts, monthly repayment amounts, and other factors and sends the results to the device.

[0685] Example: The server finds suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal. The terminal adjusts the level of detail and tone of the explanation displayed depending on the user's emotional state.

[0686] simulation

[0687] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[0688] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal. The simulation results present different scenarios depending on the user's emotional state.

[0689] Visit reservation and chat function

[0690] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[0691] Example: When a user types "I'd like to visit next Wednesday at 3pm" into a terminal, the server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email. Also, if a user has a question for a staff member via chat, the emotion engine analyzes the tone of the user's question and suggests an appropriate response.

[0692] Tax return support

[0693] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[0694] Example: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question. The emotion engine analyzes the user's response and provides any additional support needed.

[0695] In this way, the present invention allows users to efficiently and easily go through the complicated process of selecting and applying for a mortgage. Furthermore, the introduction of an emotion engine provides detailed support according to the user's emotional state.

[0696] The processing flow will be explained below.

[0697] Step 1:

[0698] The server periodically collects mortgage information, including interest rates, repayment terms, fees, etc., using each financial institution's API and web scraping technology. The collected information is stored in a database and organized in a consistent format.

[0699] Step 2:

[0700] Users access the system using a terminal and enter the terms of their desired mortgage, including the loan amount, repayment period, interest rate type (fixed or variable), and down payment.

[0701] Step 3:

[0702] The terminal receives the conditions entered by the user and transmits them to the server.

[0703] Step 4:

[0704] Based on the received conditions, the server searches the database for mortgage products that meet the user's conditions.

[0705] Step 5:

[0706] The server calculates the interest rate, total repayment amount, monthly repayment amount, etc. for the loan products found as search results and generates a comparison result, which the server sends to the terminal.

[0707] Step 6:

[0708] The terminal displays the comparison results received from the server to the user.

[0709] Step 7:

[0710] The user checks the displayed comparison results and selects the loan product in which he or she is interested.

[0711] Step 8:

[0712] While the display is being displayed, the device sends the user's voice, facial expressions, and text input to an emotion engine to analyze the user's emotions.

[0713] Step 9:

[0714] The emotion engine analyzes the user's emotions and detects emotions such as anxiety or confusion, and sends the results to the server.

[0715] Step 10:

[0716] The server generates additional guidance and support messages based on the user's emotions and sends them to the terminal.

[0717] Step 11:

[0718] The terminal displays the support message received from the server to the user, providing additional information to resolve the user's question.

[0719] Step 12:

[0720] If the user wishes to conduct a detailed simulation, he or she inputs the conditions (e.g., down payment, repayment method) to confirm the details of the selected loan product. The terminal sends this information to the server.

[0721] Step 13:

[0722] The server runs a detailed simulation and calculates a specific repayment plan for the selected loan product, including monthly repayment amounts and total repayment amounts, and sends the simulation results to the terminal.

[0723] Step 14:

[0724] The device displays the simulation results to the user, and the emotion engine analyzes the user's emotions again to provide the most appropriate information and adjust the approach.

[0725] Step 15:

[0726] If a user wishes to meet with a person in charge of a particular financial institution, the user inputs the desired date and time of the visit, and the terminal transmits this information to the server.

[0727] Step 16:

[0728] The server accesses the reservation system of the affiliated financial institution and makes a reservation for the visit at the user's desired date and time. The server then sends reservation confirmation information to the terminal.

[0729] Step 17:

[0730] The terminal displays the reservation confirmation information to the user and simultaneously sends a confirmation email, which the user can use to confirm the date and time of the visit.

[0731] Step 18:

[0732] When a user wants to ask a question using the chat function, they input the question from their terminal, which then sends the question to the server.

[0733] Step 19:

[0734] The server chats with financial institution staff in real time, receives answers to the user's questions from the staff, and an emotion engine analyzes the tone of the user's words and adjusts the appropriate response.

[0735] Step 20:

[0736] The server sends a response to the terminal.

[0737] Step 21:

[0738] The terminal displays the answer from the person in charge to the user, which allows the user to resolve their doubts.

[0739] Step 22:

[0740] When tax return filing time approaches, the server sends notifications to users, including information such as filing deadlines, required documents, and the nearest tax return filing location.

[0741] Step 23:

[0742] If the user wants additional support, they input a specific question into the terminal, which then sends the question to the server.

[0743] Step 24:

[0744] The server searches for appropriate information from FAQs and guides to generate answers to the user's questions. If necessary, it provides templates and instructions for filling out forms. An emotion engine analyzes the user's responses and tailors additional assistance.

[0745] Step 25:

[0746] The device displays answers and guidelines to the user and provides support for filing tax returns, allowing the user to smoothly proceed with the tax return procedure.

[0747] Example 2

[0748] 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."

[0749] Choosing a home loan requires gathering and comparing a lot of information, making it a very time-consuming and cumbersome process for users. Furthermore, because personal support tailored to the user's emotional state is not provided, it is difficult to select a loan with optimal terms. Furthermore, even after selecting a loan, there is a lack of support for detailed simulations, procedures with financial institutions, and tax returns. To solve these issues, a system is needed that provides efficient information gathering and comparison, as well as personalized support.

[0750] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means. In this invention, the server includes a means for periodically acquiring loan information from financial institutions, a means for a user to input loan conditions, a means for searching for appropriate loan products from information in a data store based on the input conditions and presenting the comparison results, a means for performing detailed calculations for the loan product selected by the user, a means for providing functions for scheduling appointments with financial institutions and communicating with staff, a means for notifying the user of information necessary during the filing period and supporting the procedure, and a means for recognizing the user's emotions and adjusting the system's operation. This enables users to efficiently and easily select and process a home loan and receive personalized support tailored to their emotions.

[0751] "Financial institutions" are organizations that provide financial services, such as banks, credit unions, credit associations, and insurance companies that provide lending services.

[0752] "Loan information" refers to detailed information about loans offered by each financial institution, specifically data such as interest rates, repayment periods, fees, and loan amounts.

[0753] "Means for periodic acquisition" refers to a program or process for automatically collecting data at predetermined time intervals.

[0754] "User" refers to the end user who uses the system to compare and select mortgage loans.

[0755] "Loan conditions" refer to conditions such as the loan amount desired by the user, repayment period, interest rate type (fixed or variable), down payment, etc.

[0756] "Data store" refers to a database or data warehouse for storing acquired loan information.

[0757] The "means for performing detailed calculations" is an algorithm or software for calculating monthly repayment plans and total repayment amounts based on the entered down payment and repayment method.

[0758] "Scheduled appointment" refers to the act of setting a date and time for an interview with a financial institution representative in advance.

[0759] "Communication function" refers to the function that allows users to exchange text messages with financial institution personnel in real time.

[0760] The "filing period" refers to the period during which tax returns are filed, which usually corresponds to the annual final tax return filing period.

[0761] "Means for recognizing emotions and adjusting system behavior" refers to the function of recognizing emotions by analyzing the user's facial expressions, voice, and text input, and dynamically changing the system's display and support content based on the results.

[0762] The present invention relates to a system that allows users to efficiently compare home loans and select and process the loan under the most optimal conditions. In particular, by incorporating an emotion engine that recognizes the user's emotions, the system provides more personalized support. Specific embodiments of the system are described below.

[0763] System configuration

[0764] The system consists of the following main elements:

[0765] Server: Responsible for primary data processing and information management.

[0766] Terminal: Provides a user interface for inputting information and displaying results.

[0767] Data store: Stores loan information from financial institutions and user preferences.

[0768] Emotion engine: Recognizes user emotions and adjusts system behavior accordingly.

[0769] Hardware and Software

[0770] The overall system uses the following hardware and software:

[0771] Server: A server machine with a powerful processor, sufficient memory, and large storage capacity (e.g., Microsoft Azure or AWS).

[0772] Terminal: A device that a user operates (e.g., PC, smartphone, tablet).

[0773] Data store: A relational database management system (e.g., MySQL, PostgreSQL).

[0774] Sentiment engine: Machine learning models (e.g., Google Cloud Natural Language API, Microsoft Azure Cognitive Services).

[0775] Specific Examples

[0776] Information gathering

[0777] The server periodically retrieves mortgage product information using each financial institution's API and web collection technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a data store and organized in a consistent format.

[0778] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a data store.

[0779] Enter conditions and search for information

[0780] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[0781] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[0782] Emotion recognition and response

[0783] The device uses an emotion engine to analyze emotions from the user's voice input, facial expressions, and text input. The emotion engine recognizes the user's emotions, such as joy, anger, sadness, and happiness, in real time and adjusts the system's behavior accordingly.

[0784] Example: If the user shows an anxious expression when entering conditions, the emotion engine will recognize this and notify the server, which will then instruct the device to display additional guidance or support messages to the user.

[0785] Presentation of comparison results

[0786] The device sends the input information and recognized emotion data to the server. The server searches its data store to extract mortgage products that match the user's requirements and emotional state. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the device.

[0787] Example: The server finds suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal. The terminal adjusts the level of detail and tone of the explanation displayed depending on the user's emotional state.

[0788] simulation

[0789] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[0790] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal. The simulation results present different scenarios depending on the user's emotional state.

[0791] Visit reservation and chat function

[0792] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[0793] Example: When a user types "I'd like to visit next Wednesday at 3pm" into a terminal, the server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email. Also, if a user has a question for a staff member via chat, the emotion engine analyzes the tone of the user's question and suggests an appropriate response.

[0794] Tax return support

[0795] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[0796] Example: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question. The emotion engine analyzes the user's response and provides any additional support needed.

[0797] Example prompts for generative AI models

[0798] An example prompt might look like this:

[0799] "Tell us how you can use this system to streamline mortgage comparison and selection, and provide personalized support by recognizing users' emotions."

[0800] "Please explain how the system can recognize emotions when users enter conditions and provide support based on those emotions."

[0801] "Please explain with concrete examples how a system works that uses a financial institution's API to collect loan information, stores it in a database, and suggests the best loan for the user."

[0802] As a result, this system streamlines the selection and procedures for home loans and provides personal support that responds to the user's emotions.

[0803] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0804] Step 1: Gather information

[0805] The server periodically retrieves mortgage product information using each financial institution's API or web collection technology. As input, the server has an API key and an access URL. This information includes interest rates, repayment periods, fees, and loan amounts. After collecting the data, the server stores the retrieved information in temporary files and then transfers it to a data store to organize it into a consistent format. As output, the organized loan information is stored in the data store.

[0806] Specific operation: Once a day, the server sends a request to the API of the specified financial institution to obtain the latest mortgage information. The obtained data is temporarily saved in JSON format, then converted to a specified format and stored in the data store.

[0807] Step 2: Enter criteria and search for information

[0808] A user accesses the system using a terminal and enters the terms of the loan they wish to borrow, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), down payment, etc. The terminal sends this input to the server, which then searches the data store for loan products that match the terms. The search results are returned to the terminal as output.

[0809] Specific operation: The user enters "Loan amount 30 million yen, repayment period 35 years, fixed interest rate desired" into the input form on the terminal and clicks the submit button. The terminal sends the input to the server, which searches the data store for loan products that meet the conditions, creates a list, and sends and displays it on the terminal.

[0810] Step 3: Recognize and respond to emotions

[0811] The device uses an emotion engine to analyze emotions from the user's voice input, facial expressions, and text input. The emotion engine recognizes the user's emotional data in real time and sends it to the server. The server then adjusts the system's behavior based on this data and presents an optimal user interface. As an output, guidance and support messages corresponding to the emotion are displayed.

[0812] Specific operation: If the user shows an anxious expression when entering conditions, the device's camera and microphone collect emotional data, which is analyzed by the emotion engine. If the emotional data is recognized as anxiety, it is notified to the server, which then instructs and displays additional guidance or reassuring messages on the device.

[0813] Step 4: Presenting the comparison results

[0814] The terminal sends the entered loan conditions and the recognized emotion data to the server. The server searches the data store and extracts mortgage products that match the user's conditions and emotional state. The server compares the extracted loan information and sends the results to the terminal. The comparison results are displayed on the terminal as an output.

[0815] Specific operation: The server searches the data store for the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," extracts the most suitable loan products, and sends detailed information such as interest rate, total repayment amount, and refund fee for each product in a table format to the terminal. The terminal receives this and displays it in a tone that corresponds to the user's emotion.

[0816] Step 5: Simulation

[0817] When a user selects a mortgage product that interests them, they request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). As an output, a specific repayment schedule is displayed on the terminal.

[0818] Specific operation: The user selects a specific loan product and enters simulation conditions such as a down payment of 5 million yen and desired monthly repayment of 200,000 yen. The server generates a detailed repayment plan based on this information, calculates monthly repayment amounts, total repayment amounts, interest payments, etc., and displays them on the terminal. The terminal then provides additional explanations according to the user's emotional state.

[0819] Step 6: Schedule a visit and chat

[0820] When a user wishes to meet with a person in charge of a specific financial institution, they use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the reservation system of the affiliated financial institution to complete the reservation procedure. A reservation confirmation is displayed on the terminal as an output. In addition, the user and the financial institution's person in charge can exchange text messages in real time via the chat function.

[0821] Specific operation: The user enters "I would like to visit next Wednesday at 3:00 PM" into the reservation form on the device and submits it. The server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email to the user. The user can also open the chat screen on the device and enter a question, allowing them to exchange messages with the person in charge in real time.

[0822] Step 7: Tax return support

[0823] When it's time to file, the server notifies the user of the necessary information and documents. The user can request additional support from the device. The server provides FAQs and guides, and provides templates and instructions for the necessary documents. The output is displayed on the device, detailing the documents and procedures to be prepared.

[0824] Specific operation: When it's time to file tax returns, the server sends the user a notification such as, "The filing deadline is March 15th. The required documents are XX and XX." If the user requests detailed support, the server sends the corresponding FAQ, guide materials, and document templates to the device, providing instructions on how to fill them out. The emotion engine analyzes the user's reaction and provides additional support as needed.

[0825] (Application example 2)

[0826] 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."

[0827] Conventional mortgage comparison systems and shopping assistant systems have been unable to fully alleviate the complexity and stress felt by users. In particular, they lack personalized support because they are unable to respond to users' emotions and psychological state. Furthermore, when selecting loan products or in-store products, they are unable to provide information that takes users' emotions into consideration, making it difficult to improve satisfaction.

[0828] 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 periodically acquiring loan information from financial institutions, means for the user to input loan conditions, means for searching for appropriate loan products from information in a database based on the input conditions and presenting the comparison results, means for performing detailed simulations of the loan products selected by the user, means for scheduling a visit with a financial institution and providing a chat function with a staff member, means for notifying the user of information necessary for tax return filing and supporting the procedure, emotion recognition means for recognizing the user's emotions and adjusting the system's operation based on the emotions, and means for dynamically adjusting product explanations and recommended product information based on the user's emotion data. This makes it possible to provide personalized support and appropriate information according to the user's emotions.

[0829] A "financial institution" is an organization that acts as a lender and offers loan products, such as a bank or credit union.

[0830] "Loan information" is detailed data about loan products offered by financial institutions, such as interest rates, repayment periods, fees, and loan amounts.

[0831] "Users" are individuals or corporations who use this system to compare mortgage loans and receive shopping support.

[0832] "Conditions" refer to requirements such as the characteristics of the loan desired by the user, the specifications of the product being considered for purchase, and the budget.

[0833] A "database" is an information system for storing and managing acquired loan information, product information, user input information, emotional data, etc.

[0834] "Emotion recognition means" is a technology for analyzing and recognizing emotions in real time from a user's voice, facial expressions, text input, etc.

[0835] "Simulation" is a function that specifically calculates future repayment plans and payment scenarios based on the conditions and detailed loan information entered by the user.

[0836] "Visit appointment" is a procedure in which a user makes an appointment online to meet with a person in charge of a specific financial institution.

[0837] The "chat function" allows users to exchange text messages with financial institution staff in real time to ask questions or receive advice.

[0838] "Filing a tax return" is a series of procedures at the end of the fiscal year in which users prepare and submit the necessary documents for tax payment.

[0839] "Emotion Data" means information about a User's emotional state collected and analyzed by the Emotion Recognition Means.

[0840] "Personalized support" is a feature that provides specialized assistance and information tailored to individual needs based on the user's specific conditions and emotional state.

[0841] "Dynamic adjustment" means changing and adapting the information displayed and the response method in real time based on the user's emotional state and input information.

[0842] The system for implementing this invention periodically acquires loan information from financial institutions and recognizes the user's emotions to provide personalized support. This system mainly consists of the following elements.

[0843] server

[0844] The server is responsible for the main data processing and information management functions, including the following key functions:

[0845] 1. Data collection: The server periodically collects mortgage product information using the financial institution's API or web scraping technology, and stores it in a database. The technology used can be, for example, an "API access tool" or a "web scraping library."

[0846] 2. Information search and comparison: Based on the criteria entered by the user, the system searches for information in the database and compares the best loan products. The results are presented in different formats depending on the user's emotional state.

[0847] 3. Emotion analysis: The server analyzes the user's voice and facial expression data sent from the device and recognizes the user's emotions through an emotion engine. For this purpose, it uses the Microsoft Azure Emotion API and Google Cloud Vision API.

[0848] 4. Simulation: A detailed simulation is performed for the loan product selected by the user, and future repayment plans are calculated.

[0849] Terminal

[0850] The terminal provides a user interface for inputting information and displaying results. Its main functions are as follows:

[0851] 1. Condition input: Provides an interface for users to input the conditions of the loan they desire.

[0852] 2. Emotion recognition: Recognizes emotions in real time from the user's voice input, facial expressions, and text input, and sends the data to the server. The device is equipped with a camera and microphone, and the emotion engine processes this data.

[0853] 3. Information display: The comparison results and simulation results sent from the server are displayed. The display method is adjusted according to the user's emotional state.

[0854] 4. Notification function: Notifies users of necessary information when it comes time to file their tax returns and provides support for the procedures.

[0855] User operations

[0856] The user operates the terminal and executes the following procedure.

[0857] 1. Enter the conditions: For example, enter "Loan amount 30 million yen, repayment period 35 years, fixed interest rate desired."

[0858] 2. Information display: If the user shows an anxious expression, the system will recognize this and the server will display additional guidance or support messages.

[0859] 3. Simulation and consultation: Check the detailed simulation results and chat with a financial institution representative or schedule a visit if necessary.

[0860] Prompt Sentence Examples

[0861] "If a user searches for 'running shoes' in the shoe department and the emotion engine recognizes 'anxiety,' explain the logic behind showing the user a personalized product description, a video link about its benefits, and even a chat button to talk to a staff member."

[0862] This invention allows users to receive emotionally sensitive and personal support, reducing the complexity and stress of choosing a home loan.

[0863] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0864] Step 1:

[0865] The user operates the terminal and inputs the loan conditions. Specifically, the user enters information such as "loan amount 30 million yen, repayment period 35 years, fixed interest rate" into the input interface. At this time, the terminal sends these conditions to the server. The input data includes the loan amount, repayment period, interest rate type, etc.

[0866] Step 2:

[0867] The server receives the user's condition data sent from the terminal. Next, the server searches the information in the database for loan products that match the user's conditions. At this time, the server retrieves loan information from the database using an API access tool or web scraping library. The processed data includes detailed information such as the loan product, interest rate, repayment period, and fees.

[0868] Step 3:

[0869] The server sends the search results to the terminal, which receives them and displays them on the screen. As the user checks the search results, the emotion recognition means captures the user's facial expressions and voice and sends them to the server. The input data are the loan comparison results and the user's emotion data.

[0870] Step 4:

[0871] The server receives the user's emotional data sent from the emotion recognition means and analyzes it through the emotion engine. For example, if the user shows an anxious expression, the server recognizes this and instructs the device to display additional guidance or support messages. The processed data is expressed as an action according to the user's emotional state.

[0872] Step 5:

[0873] Based on instructions from the server, the device displays support messages that correspond to the user's emotional state. For example, a user who shows an anxious expression will be shown a detailed product description, a video link, and a consultation chat button. The input data are the instructions from the server, and the output data are details of the information provided to the user.

[0874] Step 6:

[0875] If a user selects a loan product that interests them and wishes to perform a detailed simulation, they can enter the information into the terminal. For example, they can enter detailed conditions such as "down payment of 5 million yen, desired monthly repayment amount of 200,000 yen." This data is sent to the server.

[0876] Step 7:

[0877] The server receives detailed conditions entered by the user and calculates a repayment plan based on them. The simulation results include monthly repayment amounts and total repayment amounts. This calculation is performed on the server, and the processed data is a detailed repayment schedule.

[0878] Step 8:

[0879] The server then sends the simulation results to the terminal, which visually displays the results and provides the user with the option to schedule a visit or chat with a representative, if desired. The final output data is a user-friendly repayment schedule and additional operation options.

[0880] In this way, the system of the present invention is able to dynamically respond and provide personalized support based on the user's input conditions and emotional state.

[0881] 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.

[0882] 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.

[0883] 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.

[0884] [Third embodiment]

[0885] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[0886] 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.

[0887] 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).

[0888] 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.

[0889] 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.

[0890] 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).

[0891] 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.

[0892] 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.

[0893] 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.

[0894] 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.

[0895] 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.

[0896] 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."

[0897] The present invention relates to a system that enables users to efficiently compare home loans and select and process the loans under the most optimal conditions. Specific embodiments of the system are described below.

[0898] System configuration

[0899] The system consists of the following main elements:

[0900] Server: Responsible for primary data processing and information management.

[0901] Terminal: Provides a user interface for inputting information and displaying results.

[0902] Database: Stores financial institution loan information and user preferences.

[0903] Information gathering

[0904] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[0905] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a database.

[0906] Enter conditions and search for information

[0907] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[0908] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[0909] Presentation of comparison results

[0910] The terminal sends the entered information to the server, which searches the database to extract the loan product that best matches the user's requirements. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the terminal.

[0911] Example: The server detects suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal.

[0912] simulation

[0913] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[0914] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal.

[0915] Visit reservation and chat function

[0916] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[0917] Example: When a user inputs "I would like to visit next Wednesday at 3pm" into a terminal, the server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email.

[0918] Tax return support

[0919] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[0920] Example: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question.

[0921] In this way, the present invention allows users to efficiently and simply go through the complicated process of selecting and applying for a home loan.

[0922] The processing flow will be explained below.

[0923] Step 1:

[0924] The server periodically collects mortgage information using each financial institution's API and web scraping technology, obtaining information such as interest rates, repayment periods, and fees, and stores it in a database.

[0925] Step 2:

[0926] Users access the system from a terminal and enter the terms of the mortgage they want, including the loan amount, repayment period, interest rate type (fixed or variable), and down payment.

[0927] Step 3:

[0928] The terminal sends the entered conditions to the server, which uses the received information to search its database for mortgage products that match the user's conditions.

[0929] Step 4:

[0930] The server calculates the interest rate, total repayment amount, monthly repayment amount, etc. for the loan products found as search results and generates a comparison result, which the server sends to the terminal.

[0931] Step 5:

[0932] The terminal displays the comparison results received from the server to the user, who then checks the displayed comparison results and selects the loan product that interests them.

[0933] Step 6:

[0934] If the user wishes to conduct a detailed simulation, he or she inputs the conditions (e.g., down payment, repayment method) to confirm the details of the selected loan product. The terminal sends this information to the server.

[0935] Step 7:

[0936] The server runs a detailed simulation and calculates a specific repayment plan for the selected loan product, including monthly repayment amounts and total repayment amounts, and sends the simulation results to the terminal.

[0937] Step 8:

[0938] The terminal displays the simulation results to the user, who then checks the presented repayment plan and, if satisfied, proceeds to the next step.

[0939] Step 9:

[0940] If a user wishes to meet with a person in charge of a particular financial institution, the user inputs the desired date and time of the visit, and the terminal transmits this information to the server.

[0941] Step 10:

[0942] The server accesses the reservation system of the affiliated financial institution and makes a reservation for the visit at the user's desired date and time. The server then sends reservation confirmation information to the terminal.

[0943] Step 11:

[0944] The terminal displays the reservation confirmation information to the user and simultaneously sends a confirmation email, which the user can use to confirm the date and time of the visit.

[0945] Step 12:

[0946] When a user wants to ask a question using the chat function, they input the question from their terminal, which then sends the question to the server.

[0947] Step 13:

[0948] The server chats with the financial institution's staff in real time, receives answers to the user's questions from the staff, and sends the answers to the terminal.

[0949] Step 14:

[0950] The terminal displays the answer from the person in charge to the user, which allows the user to resolve their doubts.

[0951] Step 15:

[0952] When tax return filing time approaches, the server sends notifications to users, including information such as filing deadlines, required documents, and the nearest tax return filing location.

[0953] Step 16:

[0954] If the user wants additional support, they input a specific question into the terminal, which then sends the question to the server.

[0955] Step 17:

[0956] The server searches for appropriate information from FAQs and guides to generate answers to the user's questions, and if necessary, provides templates and instructions for filling out forms. The server then sends this information to the device.

[0957] Step 18:

[0958] The device displays answers and guidelines to the user and provides support for filing tax returns, allowing the user to smoothly proceed with the tax return procedure.

[0959] Example 1

[0960] 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."

[0961] When choosing a mortgage, comparing the vast number of financial institutions and their services takes time and effort. The process of finding the optimal loan product and applying for it is also complicated, placing a significant burden on users. Furthermore, simulating mortgage repayments, contacting financial institutions, and filing tax returns are all time-consuming, creating a need for a system that can manage all of these tasks in a unified manner.

[0962] 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.

[0963] In this invention, the server includes means for periodically acquiring loan information from financial institutions, means for users to input loan conditions, means for searching for appropriate loan products from information in a database based on the input conditions and presenting comparison results, means for conducting detailed simulations of the loan products selected by the user, means for making appointments with financial institutions and providing chat functions with staff, and means for notifying users of information necessary when it comes time to file their tax returns and supporting the procedures, thereby enabling users to efficiently and easily select and process the most suitable mortgage loan.

[0964] "Financial institutions" refer to organizations such as banks and credit unions that provide mortgage loans.

[0965] "Loan Information" refers to data related to a mortgage, such as interest rates, repayment terms, fees, and loan amounts.

[0966] "User" means an individual who uses the System to compare, select, and process a mortgage loan.

[0967] "API" stands for Application Programming Interface and refers to an interface for exchanging information between different software programs.

[0968] "Web scraping technology" refers to software technology for automatically collecting data from websites.

[0969] "Database" refers to the system for storing and managing acquired loan information.

[0970] "Loan conditions" refer to requirements such as loan amount, repayment period, interest rate type, down payment, etc., that a user specifies when selecting a home loan.

[0971] "Simulation" refers to the process of calculating and predicting the outcome of a loan repayment plan based on specific conditions.

[0972] The "visit reservation function" refers to the function that allows a user to reserve a date and time for an interview with a financial institution representative.

[0973] "Chat function" refers to a function that allows users to exchange text messages in real time.

[0974] "Filing a tax return" refers to the procedure for reporting income and expenses for a specific period and determining the amount of tax due.

[0975] "Notification" refers to a means of communicating information to inform users of the deadline for filing tax returns and other necessary information.

[0976] "Support" refers to providing users with guides and FAQs on how to prepare and complete the necessary documents for tax returns.

[0977] The present invention relates to a system that enables users to efficiently compare home loans and select and process the loans under the most optimal conditions. Specific embodiments of the system are described below.

[0978] System configuration

[0979] The system consists of the following main elements:

[0980] Server: Responsible for primary data processing and information management.

[0981] Terminal: Provides a user interface for inputting information and displaying results.

[0982] Database: Stores financial institution loan information and user preferences.

[0983] Information gathering

[0984] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[0985] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a database.

[0986] Enter conditions and search for information

[0987] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[0988] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[0989] Presentation of comparison results

[0990] The terminal sends the entered information to the server, which searches the database to extract the loan product that best matches the user's requirements. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the terminal.

[0991] Example: The server detects suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal.

[0992] simulation

[0993] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[0994] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal.

[0995] Visit reservation and chat function

[0996] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[0997] Example: When a user inputs "I would like to visit next Wednesday at 3pm" into a terminal, the server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email.

[0998] Tax return support

[0999] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[1000] Example: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question.

[1001] Prompt Sentence Examples

[1002] An example of a prompt sentence to be input to the generative AI model is shown below.

[1003] Prompt statement:

[1004] "Please explain the system that uses an API to obtain mortgage information from financial institutions, stores it in a database, and searches for the best loan product based on specified criteria."

[1005] Using this prompt, the generative AI model can generate text that clearly explains the system's detailed operation and steps.

[1006] In this way, the present invention allows users to efficiently and simply go through the complicated process of selecting and applying for a home loan.

[1007] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1008] Step 1:

[1009] Information collection: The server periodically retrieves mortgage product information using each financial institution's API or web scraping technology. The retrieved information includes interest rates, repayment periods, fees, and loan amounts. This information is stored in a database in JSON format. The input is the financial institution's API or webpage URL, and the output is the loan information stored in the database.

[1010] Specific operation: The server executes a scheduled job set at 3:00 AM every day, accessing the API endpoint of the specified financial institution to obtain the latest loan information. The obtained data is stored in a database.

[1011] Step 2:

[1012] Condition input: The user accesses the system using a terminal and inputs the desired loan conditions. The input conditions include the loan amount, repayment period, interest rate type (fixed or variable), down payment, etc. The input data is sent from the terminal to the server.

[1013] Specific operation: When the user enters "Loan amount 30 million yen, repayment period 35 years, fixed interest rate desired" into the input form on the terminal and presses the "Submit" button, the input data is sent to the server.

[1014] Step 3:

[1015] Data Search: The server searches the database based on the received criteria information. It searches for loan products that match the criteria and extracts their details. The input is the criteria entered by the user, and the output is the details of the loan products that match the criteria.

[1016] How it works: The server executes an SQL query to search for loan information in the database and extracts details of the corresponding loan product. The search results are sent to the device in JSON format.

[1017] Step 4:

[1018] Result presentation: The server organizes the search results and calculates the interest rate, total repayment amount, and monthly repayment amount for each loan product. The server then sends the organized results to the terminal. The output data is displayed to the user.

[1019] Specific operation: The server calculates the interest rate and total repayment amount for the appropriate loan product and sends the results in JSON format to the terminal. The terminal then displays the received data in an easy-to-understand graphical user interface (GUI).

[1020] Step 5:

[1021] Simulation: If the user wants a detailed simulation, they select the loan product they are interested in and enter additional conditions (e.g., down payment and repayment method). The server calculates a detailed repayment plan based on these conditions and displays the results on the terminal.

[1022] Specific operation: When the user enters additional conditions such as "5 million yen down payment, desired monthly repayment amount of 200,000 yen," the server calculates a detailed repayment schedule and sends the results in JSON format to the terminal. The terminal then displays the calculation results in tables and graphs.

[1023] Step 6:

[1024] Appointment: If a user wishes to meet with a representative from a specific financial institution, they input the desired date and time of the appointment. The server receives this information and accesses the affiliated financial institution's reservation system to complete the appointment. A confirmation email is sent to the user.

[1025] Specific operation: When the user enters "I would like to visit next Wednesday at 3pm" into the terminal and presses the "Book" button, the server accesses the financial institution's reservation system for that date and time to complete the reservation and send a confirmation email.

[1026] Step 7:

[1027] Tax return support: When it's time to file tax returns, the server notifies users of the necessary information and documents. Users can request additional support from their devices, and the server provides FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[1028] Specific operation: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides appropriate answers to the user's questions.

[1029] (Application example 1)

[1030] 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."

[1031] The process of comparing mortgage loans is complicated, and it takes time and effort for users to select the most suitable loan product. It is also difficult to obtain the latest loan information in a timely manner and present the most favorable terms to users. Furthermore, the complicated procedures for detailed simulations of repayment plans and scheduling interviews with financial institutions are a source of stress for users. Therefore, there is a need to provide a system that solves these issues and allows users to efficiently select and process mortgage loans.

[1032] 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.

[1033] In this invention, the server includes means for periodically acquiring loan information from financial institutions, means for the user to input loan conditions, means for searching for appropriate loan products from information in a database based on the input conditions and presenting the comparison results, means for conducting detailed simulations of the loan products selected by the user, means for making visit reservations with financial institutions and providing a chat function with a representative, means for notifying the user of information necessary when filing tax returns and supporting the procedures, means for acquiring real-time data on mortgage loans, means for generating and presenting repayment simulation results for each loan product based on user input, and means for automatically setting up visit reservations with financial institutions based on the user's desired date and time. This allows users to obtain the latest mortgage information in real time and efficiently select and process loans under optimal conditions.

[1034] A "financial institution" is an institution that provides financial services such as deposits, loans, payments, and fund management to customers.

[1035] "Loan information" refers to detailed data on loan services provided by financial institutions, including factors such as interest rates, repayment periods, fees, and loan amounts.

[1036] "User" refers to an individual or legal entity who uses the System to obtain mortgage information, compare, select, and process mortgage loans.

[1037] A "database" is a storage device within the system that organizes and stores loan information obtained from financial institutions and data entered by users.

[1038] "Simulation" is a means of calculating and predicting future repayment plans and total repayment amounts based on conditions entered by the user.

[1039] "Visit reservation" is a procedure for making a reservation for a specified date and time when a user wishes to meet with a person in charge of a specific financial institution.

[1040] "Real-time data" refers to information that is constantly updated and up-to-date, and in particular data that is valid at the moment a user accesses the system.

[1041] A "generative AI model" is a mathematical or algorithmic model that uses artificial intelligence techniques to generate and analyze specific information from data.

[1042] A "prompt sentence" is text data that is input into a generative AI model and specifically describes conditions and wishes.

[1043] The present invention is a system that allows users to efficiently compare home loans and select and process the loans under the most optimal conditions. Specific embodiments of the system are described below.

[1044] System configuration

[1045] The system consists of the following main elements:

[1046] Server: Responsible for major data processing and information management. Primarily uses cloud servers such as AWS and Google Cloud.

[1047] Terminal: A device such as a smartphone or PC that provides a user interface, inputs information, and displays results. This includes devices running iOS or Android OS.

[1048] Database: Stores loan information and user settings from financial institutions. SQL databases or NoSQL databases (e.g., MySQL, MongoDB) are used.

[1049] Information gathering

[1050] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[1051] As a specific example, the server accesses the API of a specific financial institution to obtain the latest information on fixed and variable interest rates and stores it in a database.

[1052] Enter conditions and search for information

[1053] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[1054] As a specific example, a user inputs "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired" through a terminal.

[1055] Presentation of comparison results

[1056] The terminal sends the entered information to the server, which searches the database to extract the loan product that best matches the user's requirements. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the terminal.

[1057] As a specific example, the server detects suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal.

[1058] simulation

[1059] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[1060] As a concrete example, if a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server will calculate a specific repayment schedule and display it on the terminal.

[1061] Real-time data acquisition for loan products

[1062] The server uses the generative AI model to periodically retrieve the latest mortgage information and update the database in real time, allowing users to always compare and select based on the most up-to-date information.

[1063] Visit reservation and chat function

[1064] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[1065] For example, if a user enters "I would like to make an appointment to visit Bank A next Wednesday at 3:00 p.m.", the server will access the financial institution's reservation system for that date and time, complete the reservation, and send a confirmation email.

[1066] Tax return support

[1067] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[1068] As a specific example, the server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question.

[1069] The above is a specific embodiment of the system, which allows users to efficiently and easily go through the complicated process of selecting and applying for a home loan.

[1070] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1071] Step 1:

[1072] The server periodically retrieves mortgage product information using each financial institution's API or web scraping technology. As input, it receives the financial institution's API access information and scripts, and as output, it organizes the retrieved loan information into a consistent format and stores it in a database.

[1073] Step 2:

[1074] A user accesses the system using a terminal and inputs the desired loan conditions, such as the loan amount, repayment period, interest rate type, and down payment, and the input form is sent to the server as output.

[1075] Step 3:

[1076] The server searches the database for loan information based on the conditions entered by the user, taking the loan conditions sent by the user as input and generating search results as output.

[1077] Step 4:

[1078] The server extracts appropriate loan products from the search results and generates comparison results such as interest rates, total repayment amounts, monthly repayment amounts, etc. The input is given as loan information in the database and the user's conditions, and the comparison results are generated as output.

[1079] Step 5:

[1080] The terminal presents the comparison results of the loan products sent from the server to the user. The comparison result data from the server is given as input, and the results are displayed on the terminal as output.

[1081] Step 6:

[1082] The user selects the mortgage product they are interested in and requests a detailed simulation. As input, the loan product they are interested in and additional terms (e.g., down payment, desired monthly repayment amount) are given, and as output, a simulation request is sent to the server.

[1083] Step 7:

[1084] The server calculates a detailed repayment schedule based on the down payment and repayment method entered by the user. As input, the user's additional conditions are given, and as output, a detailed repayment plan is generated.

[1085] Step 8:

[1086] The terminal displays the detailed repayment plan sent from the server to the user. As input, detailed repayment plan data from the server is given, and as output, the plan is displayed on the terminal.

[1087] Step 9:

[1088] The server uses the generative AI model to periodically retrieve real-time data on the latest mortgage loans and update the database. The input is a processing prompt and model parameters, and the output is the updated loan information reflected in the database.

[1089] Step 10:

[1090] When a user wishes to make an appointment with a financial institution, the user inputs the desired date and time from the terminal. The desired date and time is given as input, and a reservation request is sent to the server as output.

[1091] Step 11:

[1092] The server accesses the reservation system of the affiliated financial institution based on the user's desired date and time, and automatically sets up an appointment. The user's desired date and time and the financial institution's schedule information are given as input, and reservation confirmation information is generated as output.

[1093] Step 12:

[1094] The terminal presents the reservation confirmation information sent from the server to the user. The reservation confirmation data from the server is given as input, and the reservation information is displayed on the terminal as output.

[1095] 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.

[1096] The present invention relates to a system that allows users to efficiently compare home loans and select and process the loan under the most optimal conditions, and in particular provides more personalized support by incorporating an emotion engine that recognizes the user's emotions. Specific embodiments of the system are described below.

[1097] System configuration

[1098] The system consists of the following main elements:

[1099] Server: Responsible for primary data processing and information management.

[1100] Terminal: Provides a user interface for inputting information and displaying results.

[1101] Database: Stores financial institution loan information and user preferences.

[1102] Emotion engine: Recognizes user emotions and adjusts system behavior accordingly.

[1103] Information gathering

[1104] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[1105] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a database.

[1106] Enter conditions and search for information

[1107] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[1108] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[1109] Emotion recognition and response

[1110] The device uses an emotion engine to analyze emotions from the user's voice input, facial expressions, and text input. The emotion engine recognizes the user's emotions, such as joy, anger, sadness, and happiness, in real time and adjusts the system's behavior accordingly.

[1111] Example: If the user shows an anxious expression when entering conditions, the emotion engine will recognize this and notify the server, which will then instruct the device to display additional guidance or support messages to the user.

[1112] Presentation of comparison results

[1113] The device sends the input information and recognized emotion data to the server. The server then searches its database to extract mortgage products that match the user's requirements and emotional state. It then compares interest rates, total repayment amounts, monthly repayment amounts, and other factors and sends the results to the device.

[1114] Example: The server finds suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal. The terminal adjusts the level of detail and tone of the explanation displayed depending on the user's emotional state.

[1115] simulation

[1116] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[1117] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal. The simulation results present different scenarios depending on the user's emotional state.

[1118] Visit reservation and chat function

[1119] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[1120] Example: When a user types "I'd like to visit next Wednesday at 3pm" into a terminal, the server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email. Also, if a user has a question for a staff member via chat, the emotion engine analyzes the tone of the user's question and suggests an appropriate response.

[1121] Tax return support

[1122] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[1123] Example: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question. The emotion engine analyzes the user's response and provides any additional support needed.

[1124] In this way, the present invention allows users to efficiently and easily go through the complicated process of selecting and applying for a mortgage. Furthermore, the introduction of an emotion engine provides detailed support according to the user's emotional state.

[1125] The processing flow will be explained below.

[1126] Step 1:

[1127] The server periodically collects mortgage information, including interest rates, repayment terms, fees, etc., using each financial institution's API and web scraping technology. The collected information is stored in a database and organized in a consistent format.

[1128] Step 2:

[1129] Users access the system using a terminal and enter the terms of their desired mortgage, including the loan amount, repayment period, interest rate type (fixed or variable), and down payment.

[1130] Step 3:

[1131] The terminal receives the conditions entered by the user and transmits them to the server.

[1132] Step 4:

[1133] Based on the received conditions, the server searches the database for mortgage products that meet the user's conditions.

[1134] Step 5:

[1135] The server calculates the interest rate, total repayment amount, monthly repayment amount, etc. for the loan products found as search results and generates a comparison result, which the server sends to the terminal.

[1136] Step 6:

[1137] The terminal displays the comparison results received from the server to the user.

[1138] Step 7:

[1139] The user checks the displayed comparison results and selects the loan product in which he or she is interested.

[1140] Step 8:

[1141] While the display is being displayed, the device sends the user's voice, facial expressions, and text input to an emotion engine to analyze the user's emotions.

[1142] Step 9:

[1143] The emotion engine analyzes the user's emotions and detects emotions such as anxiety or confusion, and sends the results to the server.

[1144] Step 10:

[1145] The server generates additional guidance and support messages based on the user's emotions and sends them to the terminal.

[1146] Step 11:

[1147] The terminal displays the support message received from the server to the user, providing additional information to resolve the user's question.

[1148] Step 12:

[1149] If the user wishes to conduct a detailed simulation, he or she inputs the conditions (e.g., down payment, repayment method) to confirm the details of the selected loan product. The terminal sends this information to the server.

[1150] Step 13:

[1151] The server runs a detailed simulation and calculates a specific repayment plan for the selected loan product, including monthly repayment amounts and total repayment amounts, and sends the simulation results to the terminal.

[1152] Step 14:

[1153] The device displays the simulation results to the user, and the emotion engine analyzes the user's emotions again to provide the most appropriate information and adjust the approach.

[1154] Step 15:

[1155] If a user wishes to meet with a person in charge of a particular financial institution, the user inputs the desired date and time of the visit, and the terminal transmits this information to the server.

[1156] Step 16:

[1157] The server accesses the reservation system of the affiliated financial institution and makes a reservation for the visit at the user's desired date and time. The server then sends reservation confirmation information to the terminal.

[1158] Step 17:

[1159] The terminal displays the reservation confirmation information to the user and simultaneously sends a confirmation email, which the user can use to confirm the date and time of the visit.

[1160] Step 18:

[1161] When a user wants to ask a question using the chat function, they input the question from their terminal, which then sends the question to the server.

[1162] Step 19:

[1163] The server chats with financial institution staff in real time, receives answers to the user's questions from the staff, and an emotion engine analyzes the tone of the user's words and adjusts the appropriate response.

[1164] Step 20:

[1165] The server sends a response to the terminal.

[1166] Step 21:

[1167] The terminal displays the answer from the person in charge to the user, which allows the user to resolve their doubts.

[1168] Step 22:

[1169] When tax return filing time approaches, the server sends notifications to users, including information such as filing deadlines, required documents, and the nearest tax return filing location.

[1170] Step 23:

[1171] If the user wants additional support, they input a specific question into the terminal, which then sends the question to the server.

[1172] Step 24:

[1173] The server searches for appropriate information from FAQs and guides to generate answers to the user's questions. If necessary, it provides templates and instructions for filling out forms. An emotion engine analyzes the user's responses and tailors additional assistance.

[1174] Step 25:

[1175] The device displays answers and guidelines to the user and provides support for filing tax returns, allowing the user to smoothly proceed with the tax return procedure.

[1176] Example 2

[1177] 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."

[1178] Choosing a home loan requires gathering and comparing a lot of information, making it a very time-consuming and cumbersome process for users. Furthermore, because personal support tailored to the user's emotional state is not provided, it is difficult to select a loan with optimal terms. Furthermore, even after selecting a loan, there is a lack of support for detailed simulations, procedures with financial institutions, and tax returns. To solve these issues, a system is needed that provides efficient information gathering and comparison, as well as personalized support.

[1179] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means. In this invention, the server includes a means for periodically acquiring loan information from financial institutions, a means for a user to input loan conditions, a means for searching for appropriate loan products from information in a data store based on the input conditions and presenting the comparison results, a means for performing detailed calculations for the loan product selected by the user, a means for providing functions for scheduling appointments with financial institutions and communicating with staff, a means for notifying the user of information necessary during the filing period and supporting the procedure, and a means for recognizing the user's emotions and adjusting the system's operation. This enables users to efficiently and easily select and process a home loan and receive personalized support tailored to their emotions.

[1180] "Financial institutions" are organizations that provide financial services, such as banks, credit unions, credit associations, and insurance companies that provide lending services.

[1181] "Loan information" refers to detailed information about loans offered by each financial institution, specifically data such as interest rates, repayment periods, fees, and loan amounts.

[1182] "Means for periodic acquisition" refers to a program or process for automatically collecting data at predetermined time intervals.

[1183] "User" refers to the end user who uses the system to compare and select mortgage loans.

[1184] "Loan conditions" refer to conditions such as the loan amount desired by the user, repayment period, interest rate type (fixed or variable), down payment, etc.

[1185] "Data store" refers to a database or data warehouse for storing acquired loan information.

[1186] The "means for performing detailed calculations" is an algorithm or software for calculating monthly repayment plans and total repayment amounts based on the entered down payment and repayment method.

[1187] "Scheduled appointment" refers to the act of setting a date and time for an interview with a financial institution representative in advance.

[1188] "Communication function" refers to the function that allows users to exchange text messages with financial institution personnel in real time.

[1189] The "filing period" refers to the period during which tax returns are filed, which usually corresponds to the annual final tax return filing period.

[1190] "Means for recognizing emotions and adjusting system behavior" refers to the function of recognizing emotions by analyzing the user's facial expressions, voice, and text input, and dynamically changing the system's display and support content based on the results.

[1191] The present invention relates to a system that allows users to efficiently compare home loans and select and process the loan under the most optimal conditions. In particular, by incorporating an emotion engine that recognizes the user's emotions, the system provides more personalized support. Specific embodiments of the system are described below.

[1192] System configuration

[1193] The system consists of the following main elements:

[1194] Server: Responsible for primary data processing and information management.

[1195] Terminal: Provides a user interface for inputting information and displaying results.

[1196] Data store: Stores loan information from financial institutions and user preferences.

[1197] Emotion engine: Recognizes user emotions and adjusts system behavior accordingly.

[1198] Hardware and Software

[1199] The overall system uses the following hardware and software:

[1200] Server: A server machine with a powerful processor, sufficient memory, and large storage capacity (e.g., Microsoft Azure or AWS).

[1201] Terminal: A device that a user operates (e.g., PC, smartphone, tablet).

[1202] Data store: A relational database management system (e.g., MySQL, PostgreSQL).

[1203] Sentiment engine: Machine learning models (e.g., Google Cloud Natural Language API, Microsoft Azure Cognitive Services).

[1204] Specific Examples

[1205] Information gathering

[1206] The server periodically retrieves mortgage product information using each financial institution's API and web collection technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a data store and organized in a consistent format.

[1207] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a data store.

[1208] Enter conditions and search for information

[1209] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[1210] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[1211] Emotion recognition and response

[1212] The device uses an emotion engine to analyze emotions from the user's voice input, facial expressions, and text input. The emotion engine recognizes the user's emotions, such as joy, anger, sadness, and happiness, in real time and adjusts the system's behavior accordingly.

[1213] Example: If the user shows an anxious expression when entering conditions, the emotion engine will recognize this and notify the server, which will then instruct the device to display additional guidance or support messages to the user.

[1214] Presentation of comparison results

[1215] The device sends the input information and recognized emotion data to the server. The server searches its data store to extract mortgage products that match the user's requirements and emotional state. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the device.

[1216] Example: The server finds suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal. The terminal adjusts the level of detail and tone of the explanation displayed depending on the user's emotional state.

[1217] simulation

[1218] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[1219] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal. The simulation results present different scenarios depending on the user's emotional state.

[1220] Visit reservation and chat function

[1221] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[1222] Example: When a user types "I'd like to visit next Wednesday at 3pm" into a terminal, the server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email. Also, if a user has a question for a staff member via chat, the emotion engine analyzes the tone of the user's question and suggests an appropriate response.

[1223] Tax return support

[1224] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[1225] Example: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question. The emotion engine analyzes the user's response and provides any additional support needed.

[1226] Example prompts for generative AI models

[1227] An example prompt might look like this:

[1228] "Tell us how you can use this system to streamline mortgage comparison and selection, and provide personalized support by recognizing users' emotions."

[1229] "Please explain how the system can recognize emotions when users enter conditions and provide support based on those emotions."

[1230] "Please explain with concrete examples how a system works that uses a financial institution's API to collect loan information, stores it in a database, and suggests the best loan for the user."

[1231] As a result, this system streamlines the selection and procedures for home loans and provides personal support that responds to the user's emotions.

[1232] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1233] Step 1: Gather information

[1234] The server periodically retrieves mortgage product information using each financial institution's API or web collection technology. As input, the server has an API key and an access URL. This information includes interest rates, repayment periods, fees, and loan amounts. After collecting the data, the server stores the retrieved information in temporary files and then transfers it to a data store to organize it into a consistent format. As output, the organized loan information is stored in the data store.

[1235] Specific operation: Once a day, the server sends a request to the API of the specified financial institution to obtain the latest mortgage information. The obtained data is temporarily saved in JSON format, then converted to a specified format and stored in the data store.

[1236] Step 2: Enter criteria and search for information

[1237] A user accesses the system using a terminal and enters the terms of the loan they wish to borrow, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), down payment, etc. The terminal sends this input to the server, which then searches the data store for loan products that match the terms. The search results are returned to the terminal as output.

[1238] Specific operation: The user enters "Loan amount 30 million yen, repayment period 35 years, fixed interest rate desired" into the input form on the terminal and clicks the submit button. The terminal sends the input to the server, which searches the data store for loan products that meet the conditions, creates a list, and sends and displays it on the terminal.

[1239] Step 3: Recognize and respond to emotions

[1240] The device uses an emotion engine to analyze emotions from the user's voice input, facial expressions, and text input. The emotion engine recognizes the user's emotional data in real time and sends it to the server. The server then adjusts the system's behavior based on this data and presents an optimal user interface. As an output, guidance and support messages corresponding to the emotion are displayed.

[1241] Specific operation: If the user shows an anxious expression when entering conditions, the device's camera and microphone collect emotional data, which is analyzed by the emotion engine. If the emotional data is recognized as anxiety, it is notified to the server, which then instructs and displays additional guidance or reassuring messages on the device.

[1242] Step 4: Presenting the comparison results

[1243] The terminal sends the entered loan conditions and the recognized emotion data to the server. The server searches the data store and extracts mortgage products that match the user's conditions and emotional state. The server compares the extracted loan information and sends the results to the terminal. The comparison results are displayed on the terminal as an output.

[1244] Specific operation: The server searches the data store for the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," extracts the most suitable loan products, and sends detailed information such as interest rate, total repayment amount, and refund fee for each product in a table format to the terminal. The terminal receives this and displays it in a tone that corresponds to the user's emotion.

[1245] Step 5: Simulation

[1246] When a user selects a mortgage product that interests them, they request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). As an output, a specific repayment schedule is displayed on the terminal.

[1247] Specific operation: The user selects a specific loan product and enters simulation conditions such as a down payment of 5 million yen and desired monthly repayment of 200,000 yen. The server generates a detailed repayment plan based on this information, calculates monthly repayment amounts, total repayment amounts, interest payments, etc., and displays them on the terminal. The terminal then provides additional explanations according to the user's emotional state.

[1248] Step 6: Schedule a visit and chat

[1249] When a user wishes to meet with a person in charge of a specific financial institution, they use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the reservation system of the affiliated financial institution to complete the reservation procedure. A reservation confirmation is displayed on the terminal as an output. In addition, the user and the financial institution's person in charge can exchange text messages in real time via the chat function.

[1250] Specific operation: The user enters "I would like to visit next Wednesday at 3:00 PM" into the reservation form on the device and submits it. The server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email to the user. The user can also open the chat screen on the device and enter a question, allowing them to exchange messages with the person in charge in real time.

[1251] Step 7: Tax return support

[1252] When it's time to file, the server notifies the user of the necessary information and documents. The user can request additional support from the device. The server provides FAQs and guides, and provides templates and instructions for the necessary documents. The output is displayed on the device, detailing the documents and procedures to be prepared.

[1253] Specific operation: When it's time to file tax returns, the server sends the user a notification such as, "The filing deadline is March 15th. The required documents are XX and XX." If the user requests detailed support, the server sends the corresponding FAQ, guide materials, and document templates to the device, providing instructions on how to fill them out. The emotion engine analyzes the user's reaction and provides additional support as needed.

[1254] (Application example 2)

[1255] 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."

[1256] Conventional mortgage comparison systems and shopping assistant systems have been unable to fully alleviate the complexity and stress felt by users. In particular, they lack personalized support because they are unable to respond to users' emotions and psychological state. Furthermore, when selecting loan products or in-store products, they are unable to provide information that takes users' emotions into consideration, making it difficult to improve satisfaction.

[1257] 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 periodically acquiring loan information from financial institutions, means for the user to input loan conditions, means for searching for appropriate loan products from information in a database based on the input conditions and presenting the comparison results, means for performing detailed simulations of the loan products selected by the user, means for scheduling a visit with a financial institution and providing a chat function with a staff member, means for notifying the user of information necessary for tax return filing and supporting the procedure, emotion recognition means for recognizing the user's emotions and adjusting the system's operation based on the emotions, and means for dynamically adjusting product explanations and recommended product information based on the user's emotion data. This makes it possible to provide personalized support and appropriate information according to the user's emotions.

[1258] A "financial institution" is an organization that acts as a lender and offers loan products, such as a bank or credit union.

[1259] "Loan information" is detailed data about loan products offered by financial institutions, such as interest rates, repayment periods, fees, and loan amounts.

[1260] "Users" are individuals or corporations who use this system to compare mortgage loans and receive shopping support.

[1261] "Conditions" refer to requirements such as the characteristics of the loan desired by the user, the specifications of the product being considered for purchase, and the budget.

[1262] A "database" is an information system for storing and managing acquired loan information, product information, user input information, emotional data, etc.

[1263] "Emotion recognition means" is a technology for analyzing and recognizing emotions in real time from a user's voice, facial expressions, text input, etc.

[1264] "Simulation" is a function that specifically calculates future repayment plans and payment scenarios based on the conditions and detailed loan information entered by the user.

[1265] "Visit appointment" is a procedure in which a user makes an appointment online to meet with a person in charge of a specific financial institution.

[1266] The "chat function" allows users to exchange text messages with financial institution staff in real time to ask questions or receive advice.

[1267] "Filing a tax return" is a series of procedures at the end of the fiscal year in which users prepare and submit the necessary documents for tax payment.

[1268] "Emotion Data" means information about a User's emotional state collected and analyzed by the Emotion Recognition Means.

[1269] "Personalized support" is a feature that provides specialized assistance and information tailored to individual needs based on the user's specific conditions and emotional state.

[1270] "Dynamic adjustment" means changing and adapting the information displayed and the response method in real time based on the user's emotional state and input information.

[1271] The system for implementing this invention periodically acquires loan information from financial institutions and recognizes the user's emotions to provide personalized support. This system mainly consists of the following elements.

[1272] server

[1273] The server is responsible for the main data processing and information management functions, including the following key functions:

[1274] 1. Data collection: The server periodically collects mortgage product information using the financial institution's API or web scraping technology, and stores it in a database. The technology used can be, for example, an "API access tool" or a "web scraping library."

[1275] 2. Information search and comparison: Based on the criteria entered by the user, the system searches for information in the database and compares the best loan products. The results are presented in different formats depending on the user's emotional state.

[1276] 3. Emotion analysis: The server analyzes the user's voice and facial expression data sent from the device and recognizes the user's emotions through an emotion engine. For this purpose, it uses the Microsoft Azure Emotion API and Google Cloud Vision API.

[1277] 4. Simulation: A detailed simulation is performed for the loan product selected by the user, and future repayment plans are calculated.

[1278] Terminal

[1279] The terminal provides a user interface for inputting information and displaying results. Its main functions are as follows:

[1280] 1. Condition input: Provides an interface for users to input the conditions of the loan they desire.

[1281] 2. Emotion recognition: Recognizes emotions in real time from the user's voice input, facial expressions, and text input, and sends the data to the server. The device is equipped with a camera and microphone, and the emotion engine processes this data.

[1282] 3. Information display: The comparison results and simulation results sent from the server are displayed. The display method is adjusted according to the user's emotional state.

[1283] 4. Notification function: Notifies users of necessary information when it comes time to file their tax returns and provides support for the procedures.

[1284] User operations

[1285] The user operates the terminal and executes the following procedure.

[1286] 1. Enter the conditions: For example, enter "Loan amount 30 million yen, repayment period 35 years, fixed interest rate desired."

[1287] 2. Information display: If the user shows an anxious expression, the system will recognize this and the server will display additional guidance or support messages.

[1288] 3. Simulation and consultation: Check the detailed simulation results and chat with a financial institution representative or schedule a visit if necessary.

[1289] Prompt Sentence Examples

[1290] "If a user searches for 'running shoes' in the shoe department and the emotion engine recognizes 'anxiety,' explain the logic behind showing the user a personalized product description, a video link about its benefits, and even a chat button to talk to a staff member."

[1291] This invention allows users to receive emotionally sensitive and personal support, reducing the complexity and stress of choosing a home loan.

[1292] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1293] Step 1:

[1294] The user operates the terminal and inputs the loan conditions. Specifically, the user enters information such as "loan amount 30 million yen, repayment period 35 years, fixed interest rate" into the input interface. At this time, the terminal sends these conditions to the server. The input data includes the loan amount, repayment period, interest rate type, etc.

[1295] Step 2:

[1296] The server receives the user's condition data sent from the terminal. Next, the server searches the information in the database for loan products that match the user's conditions. At this time, the server retrieves loan information from the database using an API access tool or web scraping library. The processed data includes detailed information such as the loan product, interest rate, repayment period, and fees.

[1297] Step 3:

[1298] The server sends the search results to the terminal, which receives them and displays them on the screen. As the user checks the search results, the emotion recognition means captures the user's facial expressions and voice and sends them to the server. The input data are the loan comparison results and the user's emotion data.

[1299] Step 4:

[1300] The server receives the user's emotional data sent from the emotion recognition means and analyzes it through the emotion engine. For example, if the user shows an anxious expression, the server recognizes this and instructs the device to display additional guidance or support messages. The processed data is expressed as an action according to the user's emotional state.

[1301] Step 5:

[1302] Based on instructions from the server, the device displays support messages that correspond to the user's emotional state. For example, a user who shows an anxious expression will be shown a detailed product description, a video link, and a consultation chat button. The input data are the instructions from the server, and the output data are details of the information provided to the user.

[1303] Step 6:

[1304] If a user selects a loan product that interests them and wishes to perform a detailed simulation, they can enter the information into the terminal. For example, they can enter detailed conditions such as "down payment of 5 million yen, desired monthly repayment amount of 200,000 yen." This data is sent to the server.

[1305] Step 7:

[1306] The server receives detailed conditions entered by the user and calculates a repayment plan based on them. The simulation results include monthly repayment amounts and total repayment amounts. This calculation is performed on the server, and the processed data is a detailed repayment schedule.

[1307] Step 8:

[1308] The server then sends the simulation results to the terminal, which visually displays the results and provides the user with the option to schedule a visit or chat with a representative, if desired. The final output data is a user-friendly repayment schedule and additional operation options.

[1309] In this way, the system of the present invention is able to dynamically respond and provide personalized support based on the user's input conditions and emotional state.

[1310] 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.

[1311] 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.

[1312] 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.

[1313] [Fourth embodiment]

[1314] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[1315] 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.

[1316] 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).

[1317] 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.

[1318] 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.

[1319] 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).

[1320] 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.

[1321] 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.

[1322] 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.

[1323] 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.

[1324] 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.

[1325] 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.

[1326] 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."

[1327] The present invention relates to a system that enables users to efficiently compare home loans and select and process the loans under the most optimal conditions. Specific embodiments of the system are described below.

[1328] System configuration

[1329] The system consists of the following main elements:

[1330] Server: Responsible for primary data processing and information management.

[1331] Terminal: Provides a user interface for inputting information and displaying results.

[1332] Database: Stores financial institution loan information and user preferences.

[1333] Information gathering

[1334] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[1335] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a database.

[1336] Enter conditions and search for information

[1337] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[1338] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[1339] Presentation of comparison results

[1340] The terminal sends the entered information to the server, which searches the database to extract the loan product that best matches the user's requirements. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the terminal.

[1341] Example: The server detects suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal.

[1342] simulation

[1343] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[1344] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal.

[1345] Visit reservation and chat function

[1346] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[1347] Example: When a user inputs "I would like to visit next Wednesday at 3pm" into a terminal, the server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email.

[1348] Tax return support

[1349] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[1350] Example: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question.

[1351] In this way, the present invention allows users to efficiently and simply go through the complicated process of selecting and applying for a home loan.

[1352] The processing flow will be explained below.

[1353] Step 1:

[1354] The server periodically collects mortgage information using each financial institution's API and web scraping technology, obtaining information such as interest rates, repayment periods, and fees, and stores it in a database.

[1355] Step 2:

[1356] Users access the system from a terminal and enter the terms of the mortgage they want, including the loan amount, repayment period, interest rate type (fixed or variable), and down payment.

[1357] Step 3:

[1358] The terminal sends the entered conditions to the server, which uses the received information to search its database for mortgage products that match the user's conditions.

[1359] Step 4:

[1360] The server calculates the interest rate, total repayment amount, monthly repayment amount, etc. for the loan products found as search results and generates a comparison result, which the server sends to the terminal.

[1361] Step 5:

[1362] The terminal displays the comparison results received from the server to the user, who then checks the displayed comparison results and selects the loan product that interests them.

[1363] Step 6:

[1364] If the user wishes to conduct a detailed simulation, he or she inputs the conditions (e.g., down payment, repayment method) to confirm the details of the selected loan product. The terminal sends this information to the server.

[1365] Step 7:

[1366] The server runs a detailed simulation and calculates a specific repayment plan for the selected loan product, including monthly repayment amounts and total repayment amounts, and sends the simulation results to the terminal.

[1367] Step 8:

[1368] The terminal displays the simulation results to the user, who then checks the presented repayment plan and, if satisfied, proceeds to the next step.

[1369] Step 9:

[1370] If a user wishes to meet with a person in charge of a particular financial institution, the user inputs the desired date and time of the visit, and the terminal transmits this information to the server.

[1371] Step 10:

[1372] The server accesses the reservation system of the affiliated financial institution and makes a reservation for the visit at the user's desired date and time. The server then sends reservation confirmation information to the terminal.

[1373] Step 11:

[1374] The terminal displays the reservation confirmation information to the user and simultaneously sends a confirmation email, which the user can use to confirm the date and time of the visit.

[1375] Step 12:

[1376] When a user wants to ask a question using the chat function, they input the question from their terminal, which then sends the question to the server.

[1377] Step 13:

[1378] The server chats with the financial institution's staff in real time, receives answers to the user's questions from the staff, and sends the answers to the terminal.

[1379] Step 14:

[1380] The terminal displays the answer from the person in charge to the user, which allows the user to resolve their doubts.

[1381] Step 15:

[1382] When tax return filing time approaches, the server sends notifications to users, including information such as filing deadlines, required documents, and the nearest tax return filing location.

[1383] Step 16:

[1384] If the user wants additional support, they input a specific question into the terminal, which then sends the question to the server.

[1385] Step 17:

[1386] The server searches for appropriate information from FAQs and guides to generate answers to the user's questions, and if necessary, provides templates and instructions for filling out forms. The server then sends this information to the device.

[1387] Step 18:

[1388] The device displays answers and guidelines to the user and provides support for filing tax returns, allowing the user to smoothly proceed with the tax return procedure.

[1389] Example 1

[1390] 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."

[1391] When choosing a mortgage, comparing the vast number of financial institutions and their services takes time and effort. The process of finding the optimal loan product and applying for it is also complicated, placing a significant burden on users. Furthermore, simulating mortgage repayments, contacting financial institutions, and filing tax returns are all time-consuming, creating a need for a system that can manage all of these tasks in a unified manner.

[1392] 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.

[1393] In this invention, the server includes means for periodically acquiring loan information from financial institutions, means for users to input loan conditions, means for searching for appropriate loan products from information in a database based on the input conditions and presenting comparison results, means for conducting detailed simulations of the loan products selected by the user, means for making appointments with financial institutions and providing chat functions with staff, and means for notifying users of information necessary when it comes time to file their tax returns and supporting the procedures, thereby enabling users to efficiently and easily select and process the most suitable mortgage loan.

[1394] "Financial institutions" refer to organizations such as banks and credit unions that provide mortgage loans.

[1395] "Loan Information" refers to data related to a mortgage, such as interest rates, repayment terms, fees, and loan amounts.

[1396] "User" means an individual who uses the System to compare, select, and process a mortgage loan.

[1397] "API" stands for Application Programming Interface and refers to an interface for exchanging information between different software programs.

[1398] "Web scraping technology" refers to software technology for automatically collecting data from websites.

[1399] "Database" refers to the system for storing and managing acquired loan information.

[1400] "Loan conditions" refer to requirements such as loan amount, repayment period, interest rate type, down payment, etc., that a user specifies when selecting a home loan.

[1401] "Simulation" refers to the process of calculating and predicting the outcome of a loan repayment plan based on specific conditions.

[1402] The "visit reservation function" refers to the function that allows a user to reserve a date and time for an interview with a financial institution representative.

[1403] "Chat function" refers to a function that allows users to exchange text messages in real time.

[1404] "Filing a tax return" refers to the procedure for reporting income and expenses for a specific period and determining the amount of tax due.

[1405] "Notification" refers to a means of communicating information to inform users of the deadline for filing tax returns and other necessary information.

[1406] "Support" refers to providing users with guides and FAQs on how to prepare and complete the necessary documents for tax returns.

[1407] The present invention relates to a system that enables users to efficiently compare home loans and select and process the loans under the most optimal conditions. Specific embodiments of the system are described below.

[1408] System configuration

[1409] The system consists of the following main elements:

[1410] Server: Responsible for primary data processing and information management.

[1411] Terminal: Provides a user interface for inputting information and displaying results.

[1412] Database: Stores financial institution loan information and user preferences.

[1413] Information gathering

[1414] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[1415] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a database.

[1416] Enter conditions and search for information

[1417] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[1418] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[1419] Presentation of comparison results

[1420] The terminal sends the entered information to the server, which searches the database to extract the loan product that best matches the user's requirements. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the terminal.

[1421] Example: The server detects suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal.

[1422] simulation

[1423] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[1424] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal.

[1425] Visit reservation and chat function

[1426] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[1427] Example: When a user inputs "I would like to visit next Wednesday at 3pm" into a terminal, the server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email.

[1428] Tax return support

[1429] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[1430] Example: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question.

[1431] Prompt Sentence Examples

[1432] An example of a prompt sentence to be input to the generative AI model is shown below.

[1433] Prompt statement:

[1434] "Please explain the system that uses an API to obtain mortgage information from financial institutions, stores it in a database, and searches for the best loan product based on specified criteria."

[1435] Using this prompt, the generative AI model can generate text that clearly explains the system's detailed operation and steps.

[1436] In this way, the present invention allows users to efficiently and simply go through the complicated process of selecting and applying for a home loan.

[1437] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1438] Step 1:

[1439] Information collection: The server periodically retrieves mortgage product information using each financial institution's API or web scraping technology. The retrieved information includes interest rates, repayment periods, fees, and loan amounts. This information is stored in a database in JSON format. The input is the financial institution's API or webpage URL, and the output is the loan information stored in the database.

[1440] Specific operation: The server executes a scheduled job set at 3:00 AM every day, accessing the API endpoint of the specified financial institution to obtain the latest loan information. The obtained data is stored in a database.

[1441] Step 2:

[1442] Condition input: The user accesses the system using a terminal and inputs the desired loan conditions. The input conditions include the loan amount, repayment period, interest rate type (fixed or variable), down payment, etc. The input data is sent from the terminal to the server.

[1443] Specific operation: When the user enters "Loan amount 30 million yen, repayment period 35 years, fixed interest rate desired" into the input form on the terminal and presses the "Submit" button, the input data is sent to the server.

[1444] Step 3:

[1445] Data Search: The server searches the database based on the received criteria information. It searches for loan products that match the criteria and extracts their details. The input is the criteria entered by the user, and the output is the details of the loan products that match the criteria.

[1446] How it works: The server executes an SQL query to search for loan information in the database and extracts details of the corresponding loan product. The search results are sent to the device in JSON format.

[1447] Step 4:

[1448] Result presentation: The server organizes the search results and calculates the interest rate, total repayment amount, and monthly repayment amount for each loan product. The server then sends the organized results to the terminal. The output data is displayed to the user.

[1449] Specific operation: The server calculates the interest rate and total repayment amount for the appropriate loan product and sends the results in JSON format to the terminal. The terminal then displays the received data in an easy-to-understand graphical user interface (GUI).

[1450] Step 5:

[1451] Simulation: If the user wants a detailed simulation, they select the loan product they are interested in and enter additional conditions (e.g., down payment and repayment method). The server calculates a detailed repayment plan based on these conditions and displays the results on the terminal.

[1452] Specific operation: When the user enters additional conditions such as "5 million yen down payment, desired monthly repayment amount of 200,000 yen," the server calculates a detailed repayment schedule and sends the results in JSON format to the terminal. The terminal then displays the calculation results in tables and graphs.

[1453] Step 6:

[1454] Appointment: If a user wishes to meet with a representative from a specific financial institution, they input the desired date and time of the appointment. The server receives this information and accesses the affiliated financial institution's reservation system to complete the appointment. A confirmation email is sent to the user.

[1455] Specific operation: When the user enters "I would like to visit next Wednesday at 3pm" into the terminal and presses the "Book" button, the server accesses the financial institution's reservation system for that date and time to complete the reservation and send a confirmation email.

[1456] Step 7:

[1457] Tax return support: When it's time to file tax returns, the server notifies users of the necessary information and documents. Users can request additional support from their devices, and the server provides FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[1458] Specific operation: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides appropriate answers to the user's questions.

[1459] (Application example 1)

[1460] 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."

[1461] The process of comparing mortgage loans is complicated, and it takes time and effort for users to select the most suitable loan product. It is also difficult to obtain the latest loan information in a timely manner and present the most favorable terms to users. Furthermore, the complicated procedures for detailed simulations of repayment plans and scheduling interviews with financial institutions are a source of stress for users. Therefore, there is a need to provide a system that solves these issues and allows users to efficiently select and process mortgage loans.

[1462] 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.

[1463] In this invention, the server includes means for periodically acquiring loan information from financial institutions, means for the user to input loan conditions, means for searching for appropriate loan products from information in a database based on the input conditions and presenting the comparison results, means for conducting detailed simulations of the loan products selected by the user, means for making visit reservations with financial institutions and providing a chat function with a representative, means for notifying the user of information necessary when filing tax returns and supporting the procedures, means for acquiring real-time data on mortgage loans, means for generating and presenting repayment simulation results for each loan product based on user input, and means for automatically setting up visit reservations with financial institutions based on the user's desired date and time. This allows users to obtain the latest mortgage information in real time and efficiently select and process loans under optimal conditions.

[1464] A "financial institution" is an institution that provides financial services such as deposits, loans, payments, and fund management to customers.

[1465] "Loan information" refers to detailed data on loan services provided by financial institutions, including factors such as interest rates, repayment periods, fees, and loan amounts.

[1466] "User" refers to an individual or legal entity who uses the System to obtain mortgage information, compare, select, and process mortgage loans.

[1467] A "database" is a storage device within the system that organizes and stores loan information obtained from financial institutions and data entered by users.

[1468] "Simulation" is a means of calculating and predicting future repayment plans and total repayment amounts based on conditions entered by the user.

[1469] "Visit reservation" is a procedure for making a reservation for a specified date and time when a user wishes to meet with a person in charge of a specific financial institution.

[1470] "Real-time data" refers to information that is constantly updated and up-to-date, and in particular data that is valid at the moment a user accesses the system.

[1471] A "generative AI model" is a mathematical or algorithmic model that uses artificial intelligence techniques to generate and analyze specific information from data.

[1472] A "prompt sentence" is text data that is input into a generative AI model and specifically describes conditions and wishes.

[1473] The present invention is a system that allows users to efficiently compare home loans and select and process the loans under the most optimal conditions. Specific embodiments of the system are described below.

[1474] System configuration

[1475] The system consists of the following main elements:

[1476] Server: Responsible for major data processing and information management. Primarily uses cloud servers such as AWS and Google Cloud.

[1477] Terminal: A device such as a smartphone or PC that provides a user interface, inputs information, and displays results. This includes devices running iOS or Android OS.

[1478] Database: Stores loan information and user settings from financial institutions. SQL databases or NoSQL databases (e.g., MySQL, MongoDB) are used.

[1479] Information gathering

[1480] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[1481] As a specific example, the server accesses the API of a specific financial institution to obtain the latest information on fixed and variable interest rates and stores it in a database.

[1482] Enter conditions and search for information

[1483] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[1484] As a specific example, a user inputs "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired" through a terminal.

[1485] Presentation of comparison results

[1486] The terminal sends the entered information to the server, which searches the database to extract the loan product that best matches the user's requirements. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the terminal.

[1487] As a specific example, the server detects suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal.

[1488] simulation

[1489] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[1490] As a concrete example, if a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server will calculate a specific repayment schedule and display it on the terminal.

[1491] Real-time data acquisition for loan products

[1492] The server uses the generative AI model to periodically retrieve the latest mortgage information and update the database in real time, allowing users to always compare and select based on the most up-to-date information.

[1493] Visit reservation and chat function

[1494] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[1495] For example, if a user enters "I would like to make an appointment to visit Bank A next Wednesday at 3:00 p.m.", the server will access the financial institution's reservation system for that date and time, complete the reservation, and send a confirmation email.

[1496] Tax return support

[1497] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[1498] As a specific example, the server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question.

[1499] The above is a specific embodiment of the system, which allows users to efficiently and easily go through the complicated process of selecting and applying for a home loan.

[1500] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1501] Step 1:

[1502] The server periodically retrieves mortgage product information using each financial institution's API or web scraping technology. As input, it receives the financial institution's API access information and scripts, and as output, it organizes the retrieved loan information into a consistent format and stores it in a database.

[1503] Step 2:

[1504] A user accesses the system using a terminal and inputs the desired loan conditions, such as the loan amount, repayment period, interest rate type, and down payment, and the input form is sent to the server as output.

[1505] Step 3:

[1506] The server searches the database for loan information based on the conditions entered by the user, taking the loan conditions sent by the user as input and generating search results as output.

[1507] Step 4:

[1508] The server extracts appropriate loan products from the search results and generates comparison results such as interest rates, total repayment amounts, monthly repayment amounts, etc. The input is given as loan information in the database and the user's conditions, and the comparison results are generated as output.

[1509] Step 5:

[1510] The terminal presents the comparison results of the loan products sent from the server to the user. The comparison result data from the server is given as input, and the results are displayed on the terminal as output.

[1511] Step 6:

[1512] The user selects the mortgage product they are interested in and requests a detailed simulation. As input, the loan product they are interested in and additional terms (e.g., down payment, desired monthly repayment amount) are given, and as output, a simulation request is sent to the server.

[1513] Step 7:

[1514] The server calculates a detailed repayment schedule based on the down payment and repayment method entered by the user. As input, the user's additional conditions are given, and as output, a detailed repayment plan is generated.

[1515] Step 8:

[1516] The terminal displays the detailed repayment plan sent from the server to the user. As input, detailed repayment plan data from the server is given, and as output, the plan is displayed on the terminal.

[1517] Step 9:

[1518] The server uses the generative AI model to periodically retrieve real-time data on the latest mortgage loans and update the database. The input is a processing prompt and model parameters, and the output is the updated loan information reflected in the database.

[1519] Step 10:

[1520] When a user wishes to make an appointment with a financial institution, the user inputs the desired date and time from the terminal. The desired date and time is given as input, and a reservation request is sent to the server as output.

[1521] Step 11:

[1522] The server accesses the reservation system of the affiliated financial institution based on the user's desired date and time, and automatically sets up an appointment. The user's desired date and time and the financial institution's schedule information are given as input, and reservation confirmation information is generated as output.

[1523] Step 12:

[1524] The terminal presents the reservation confirmation information sent from the server to the user. The reservation confirmation data from the server is given as input, and the reservation information is displayed on the terminal as output.

[1525] 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.

[1526] The present invention relates to a system that allows users to efficiently compare home loans and select and process the loan under the most optimal conditions, and in particular provides more personalized support by incorporating an emotion engine that recognizes the user's emotions. Specific embodiments of the system are described below.

[1527] System configuration

[1528] The system consists of the following main elements:

[1529] Server: Responsible for primary data processing and information management.

[1530] Terminal: Provides a user interface for inputting information and displaying results.

[1531] Database: Stores financial institution loan information and user preferences.

[1532] Emotion engine: Recognizes user emotions and adjusts system behavior accordingly.

[1533] Information gathering

[1534] The server periodically retrieves mortgage product information using each financial institution's API and web scraping technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a database and organized in a consistent format.

[1535] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a database.

[1536] Enter conditions and search for information

[1537] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[1538] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[1539] Emotion recognition and response

[1540] The device uses an emotion engine to analyze emotions from the user's voice input, facial expressions, and text input. The emotion engine recognizes the user's emotions, such as joy, anger, sadness, and happiness, in real time and adjusts the system's behavior accordingly.

[1541] Example: If the user shows an anxious expression when entering conditions, the emotion engine will recognize this and notify the server, which will then instruct the device to display additional guidance or support messages to the user.

[1542] Presentation of comparison results

[1543] The device sends the input information and recognized emotion data to the server. The server then searches its database to extract mortgage products that match the user's requirements and emotional state. It then compares interest rates, total repayment amounts, monthly repayment amounts, and other factors and sends the results to the device.

[1544] Example: The server finds suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal. The terminal adjusts the level of detail and tone of the explanation displayed depending on the user's emotional state.

[1545] simulation

[1546] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[1547] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal. The simulation results present different scenarios depending on the user's emotional state.

[1548] Visit reservation and chat function

[1549] If a user wishes to meet with a representative from a specific financial institution, they can use the visit reservation function. The desired date and time is entered on the terminal, and the server accesses the affiliated financial institution's reservation system to complete the reservation procedure. In addition, a chat function allows the user and the financial institution's representative to exchange text messages in real time, allowing for detailed questions and consultations.

[1550] Example: When a user types "I'd like to visit next Wednesday at 3pm" into a terminal, the server accesses the financial institution's reservation system for that date and time, completes the reservation, and sends a confirmation email. Also, if a user has a question for a staff member via chat, the emotion engine analyzes the tone of the user's question and suggests an appropriate response.

[1551] Tax return support

[1552] When it's time to file, the server notifies users of the necessary information and documents. Users can also request additional support from their device, with the server providing FAQs and guides, along with templates and instructions on how to fill out the necessary documents.

[1553] Example: The server notifies the user, "The filing deadline is March 15th. The required documents are XX and XX," and provides an appropriate answer to the user's question. The emotion engine analyzes the user's response and provides any additional support needed.

[1554] In this way, the present invention allows users to efficiently and easily go through the complicated process of selecting and applying for a mortgage. Furthermore, the introduction of an emotion engine provides detailed support according to the user's emotional state.

[1555] The processing flow will be explained below.

[1556] Step 1:

[1557] The server periodically collects mortgage information, including interest rates, repayment terms, fees, etc., using each financial institution's API and web scraping technology. The collected information is stored in a database and organized in a consistent format.

[1558] Step 2:

[1559] Users access the system using a terminal and enter the terms of their desired mortgage, including the loan amount, repayment period, interest rate type (fixed or variable), and down payment.

[1560] Step 3:

[1561] The terminal receives the conditions entered by the user and transmits them to the server.

[1562] Step 4:

[1563] Based on the received conditions, the server searches the database for mortgage products that meet the user's conditions.

[1564] Step 5:

[1565] The server calculates the interest rate, total repayment amount, monthly repayment amount, etc. for the loan products found as search results and generates a comparison result, which the server sends to the terminal.

[1566] Step 6:

[1567] The terminal displays the comparison results received from the server to the user.

[1568] Step 7:

[1569] The user checks the displayed comparison results and selects the loan product in which he or she is interested.

[1570] Step 8:

[1571] While the display is being displayed, the device sends the user's voice, facial expressions, and text input to an emotion engine to analyze the user's emotions.

[1572] Step 9:

[1573] The emotion engine analyzes the user's emotions and detects emotions such as anxiety or confusion, and sends the results to the server.

[1574] Step 10:

[1575] The server generates additional guidance and support messages based on the user's emotions and sends them to the terminal.

[1576] Step 11:

[1577] The terminal displays the support message received from the server to the user, providing additional information to resolve the user's question.

[1578] Step 12:

[1579] If the user wishes to conduct a detailed simulation, he or she inputs the conditions (e.g., down payment, repayment method) to confirm the details of the selected loan product. The terminal sends this information to the server.

[1580] Step 13:

[1581] The server runs a detailed simulation and calculates a specific repayment plan for the selected loan product, including monthly repayment amounts and total repayment amounts, and sends the simulation results to the terminal.

[1582] Step 14:

[1583] The device displays the simulation results to the user, and the emotion engine analyzes the user's emotions again to provide the most appropriate information and adjust the approach.

[1584] Step 15:

[1585] If a user wishes to meet with a person in charge of a particular financial institution, the user inputs the desired date and time of the visit, and the terminal transmits this information to the server.

[1586] Step 16:

[1587] The server accesses the reservation system of the affiliated financial institution and makes a reservation for the visit at the user's desired date and time. The server then sends reservation confirmation information to the terminal.

[1588] Step 17:

[1589] The terminal displays the reservation confirmation information to the user and simultaneously sends a confirmation email, which the user can use to confirm the date and time of the visit.

[1590] Step 18:

[1591] When a user wants to ask a question using the chat function, they input the question from their terminal, which then sends the question to the server.

[1592] Step 19:

[1593] The server chats with financial institution staff in real time, receives answers to the user's questions from the staff, and an emotion engine analyzes the tone of the user's words and adjusts the appropriate response.

[1594] Step 20:

[1595] The server sends a response to the terminal.

[1596] Step 21:

[1597] The terminal displays the answer from the person in charge to the user, which allows the user to resolve their doubts.

[1598] Step 22:

[1599] When tax return filing time approaches, the server sends notifications to users, including information such as filing deadlines, required documents, and the nearest tax return filing location.

[1600] Step 23:

[1601] If the user wants additional support, they input a specific question into the terminal, which then sends the question to the server.

[1602] Step 24:

[1603] The server searches for appropriate information from FAQs and guides to generate answers to the user's questions. If necessary, it provides templates and instructions for filling out forms. An emotion engine analyzes the user's responses and tailors additional assistance.

[1604] Step 25:

[1605] The device displays answers and guidelines to the user and provides support for filing tax returns, allowing the user to smoothly proceed with the tax return procedure.

[1606] Example 2

[1607] 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."

[1608] Choosing a home loan requires gathering and comparing a lot of information, making it a very time-consuming and cumbersome process for users. Furthermore, because personal support tailored to the user's emotional state is not provided, it is difficult to select a loan with optimal terms. Furthermore, even after selecting a loan, there is a lack of support for detailed simulations, procedures with financial institutions, and tax returns. To solve these issues, a system is needed that provides efficient information gathering and comparison, as well as personalized support.

[1609] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means. In this invention, the server includes a means for periodically acquiring loan information from financial institutions, a means for a user to input loan conditions, a means for searching for appropriate loan products from information in a data store based on the input conditions and presenting the comparison results, a means for performing detailed calculations for the loan product selected by the user, a means for providing functions for scheduling appointments with financial institutions and communicating with staff, a means for notifying the user of information necessary during the filing period and supporting the procedure, and a means for recognizing the user's emotions and adjusting the system's operation. This enables users to efficiently and easily select and process a home loan and receive personalized support tailored to their emotions.

[1610] "Financial institutions" are organizations that provide financial services, such as banks, credit unions, credit associations, and insurance companies that provide lending services.

[1611] "Loan information" refers to detailed information about loans offered by each financial institution, specifically data such as interest rates, repayment periods, fees, and loan amounts.

[1612] "Means for periodic acquisition" refers to a program or process for automatically collecting data at predetermined time intervals.

[1613] "User" refers to the end user who uses the system to compare and select mortgage loans.

[1614] "Loan conditions" refer to conditions such as the loan amount desired by the user, repayment period, interest rate type (fixed or variable), down payment, etc.

[1615] "Data store" refers to a database or data warehouse for storing acquired loan information.

[1616] The "means for performing detailed calculations" is an algorithm or software for calculating monthly repayment plans and total repayment amounts based on the entered down payment and repayment method.

[1617] "Scheduled appointment" refers to the act of setting a date and time for an interview with a financial institution representative in advance.

[1618] "Communication function" refers to the function that allows users to exchange text messages with financial institution personnel in real time.

[1619] The "filing period" refers to the period during which tax returns are filed, which usually corresponds to the annual final tax return filing period.

[1620] "Means for recognizing emotions and adjusting system behavior" refers to the function of recognizing emotions by analyzing the user's facial expressions, voice, and text input, and dynamically changing the system's display and support content based on the results.

[1621] The present invention relates to a system that allows users to efficiently compare home loans and select and process the loan under the most optimal conditions. In particular, by incorporating an emotion engine that recognizes the user's emotions, the system provides more personalized support. Specific embodiments of the system are described below.

[1622] System configuration

[1623] The system consists of the following main elements:

[1624] Server: Responsible for primary data processing and information management.

[1625] Terminal: Provides a user interface for inputting information and displaying results.

[1626] Data store: Stores loan information from financial institutions and user preferences.

[1627] Emotion engine: Recognizes user emotions and adjusts system behavior accordingly.

[1628] Hardware and Software

[1629] The overall system uses the following hardware and software:

[1630] Server: A server machine with a powerful processor, sufficient memory, and large storage capacity (e.g., Microsoft Azure or AWS).

[1631] Terminal: A device that a user operates (e.g., PC, smartphone, tablet).

[1632] Data store: A relational database management system (e.g., MySQL, PostgreSQL).

[1633] Sentiment engine: Machine learning models (e.g., Google Cloud Natural Language API, Microsoft Azure Cognitive Services).

[1634] Specific Examples

[1635] Information gathering

[1636] The server periodically retrieves mortgage product information using each financial institution's API and web collection technology, including interest rates, repayment terms, fees, loan amounts, etc. The retrieved information is stored in a data store and organized in a consistent format.

[1637] Example: A server accesses the API of a specific financial institution to obtain the latest fixed and variable interest rate information and saves it in a data store.

[1638] Enter conditions and search for information

[1639] Users can access the system using a terminal and enter the terms of the loan they want, including the loan amount, repayment period, interest rate type (e.g., fixed or variable), and down payment.

[1640] Example: A user inputs "Loan amount 30 million yen, repayment period 35 years, fixed interest rate" through a terminal.

[1641] Emotion recognition and response

[1642] The device uses an emotion engine to analyze emotions from the user's voice input, facial expressions, and text input. The emotion engine recognizes the user's emotions, such as joy, anger, sadness, and happiness, in real time and adjusts the system's behavior accordingly.

[1643] Example: If the user shows an anxious expression when entering conditions, the emotion engine will recognize this and notify the server, which will then instruct the device to display additional guidance or support messages to the user.

[1644] Presentation of comparison results

[1645] The device sends the input information and recognized emotion data to the server. The server searches its data store to extract mortgage products that match the user's requirements and emotional state. It then compares interest rates, total repayment amounts, monthly repayment amounts, etc. and sends the results to the device.

[1646] Example: The server finds suitable loan products based on the conditions "loan amount 30 million yen, repayment period 35 years, fixed interest rate desired," compares the interest rates and total repayment amounts, and sends the results to the terminal. The terminal adjusts the level of detail and tone of the explanation displayed depending on the user's emotional state.

[1647] simulation

[1648] When a user selects a mortgage product that interests them, they can request a detailed simulation. The server calculates a detailed repayment plan based on the conditions entered by the user (e.g., down payment and repayment method). The calculation results are displayed so that the user can concretely understand their future repayment plan.

[1649] Example: When a user inputs "5 million yen down payment, desired monthly repayment amount 200,000 yen," the server calculates a specific repayment schedule and displays it on the terminal. The simulation results present different scenarios depending on the user's emotional state.

[1650] Visit reservation and chat function

[1651] If a user...

Claims

1. A means of regularly obtaining loan information from financial institutions; a means for a user to input loan terms; A means for searching for suitable loan products from information in a database based on input conditions and presenting comparison results; a means for performing detailed simulations of the loan product selected by the user; A means to provide the ability to schedule visits with financial institutions and chat with representatives; A means to notify users of the information they need when filing their tax returns and support the process. A system including:

2. The system according to claim 1, characterized in that the means for obtaining loan information from the financial institution collects information using API or web scraping technology.

3. 2. The system according to claim 1, wherein the means for performing the detailed simulation calculates a monthly repayment plan based on the down payment and repayment method input by the user.

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