system

Abstract

Provide a system. The system includes a means for a user to input information about their financial situation and future plans using an interactive interface; server means for receiving the information entered by the user, validating the format, and storing the information in a database; A means to run AI models that predict future income and expenses based on stored information; and A means of monitoring changes in social and economic conditions and generating up-to-date forecasts; A means for transmitting the generated prediction result to a user terminal and notifying the user; A system including:

Description

[Technical Field]

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

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

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

[0004] Maintaining a comfortable financial situation for the future is an extremely difficult task amidst constantly changing social, economic, and family circumstances. There is also the psychological hurdle of individuals being reluctant to openly disclose their financial situation to a financial planner. Furthermore, managing household finances requires decision-making based on real-time, up-to-date information, which is difficult to achieve. Therefore, there is a need for a system that can accurately forecast household finances in real time while maintaining privacy. [Means for solving the problem]

[0005] The present invention solves the above-mentioned problems with a system that includes: a means for a user to input information about their financial situation and future plans using an interactive interface; a server means for receiving the information input by the user, validating the format, and storing it in a database; a means for running an AI model that predicts future income and expenses based on the stored information; a means for monitoring changes in social conditions and the economic environment and generating updated forecasts; and a means for transmitting and notifying the generated forecast results to a user's terminal. This system reflects changes in the economic situation and social environment in real time and provides the user with the latest advice. This allows users to accurately understand their household financial situation and take appropriate measures without worrying about their privacy.

[0006] An "interactive interface" is an interface that allows a user to enter information while interacting with the system in natural language.

[0007] "Financial Status" is information about a user's assets, liabilities, income, and expenses.

[0008] "Future plans" is information about the user's upcoming life events and financial goals.

[0009] "Server means" means a computing device for receiving, storing, and analyzing data input by a user and for interfacing with other system components.

[0010] A "database" is a data management system that stores user information in an organized manner and makes it easy to retrieve when needed.

[0011] An "AI model" is an algorithm or program that learns based on user input and predicts future income and expenses.

[0012] "Social conditions" refers to changes in the external environment that affect users' household finances, such as current news and policy changes.

[0013] "Economic environment" refers to market conditions that affect users' economic activities, such as interest rates, prices, and the economy.

[0014] "Forecasting future income and expenses" refers to predicting future financial inflows and outflows based on current data and past trends.

[0015] "Notification methods" are the methods by which the system communicates important information and updates to users. [Brief explanation of the drawings]

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

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

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

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

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

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

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

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

[0024] [First embodiment]

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

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

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

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

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

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

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

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

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

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

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

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

[0037] This invention is a system that allows users to respond to daily changes in the economic and social environment and maintain a household financial situation that will not cause future problems.The system uses an interactive interface to input information about the user's financial situation and future plans, and based on that information, AI makes household financial forecasts and identifies risks and opportunities in real time.

[0038] Overall system configuration

[0039] 1. User input

[0040] Users use an interactive interface to input their current financial situation (income, expenses, savings) and future plans (life events, home purchase, children's education, etc.).

[0041] For example, a user might enter information such as "I am expecting my second child in 2024" or "I plan to purchase a home for 30 million yen in 2026."

[0042] 2. Sending and saving input data

[0043] The device sends the information entered by the user to the server, where the data is converted into the appropriate format.

[0044] The server validates the information it receives and checks that it does not contain any invalid data.

[0045] The server saves the data that passes the validation in the database.

[0046] 3. Performing household forecasts

[0047] The server runs the AI ​​model based on user information stored in the database.

[0048] The AI ​​model predicts the balance of income, expenses, and savings based on the user's current situation and future aspirations.

[0049] For example, generate a forecast that shows spending increasing by about 20% per year between 2024 and 2026, while income remains roughly constant, resulting in lower savings.

[0050] 4. Real-time updates and notifications

[0051] The server monitors changes in the economic and social environment, and when new information becomes available, it re-runs the AI ​​model to generate updated forecasts.

[0052] The latest forecast results generated are sent to the user's device in real time and notifications are sent.

[0053] For example, a sudden change in economic conditions could generate a notification saying, "You need to reconsider your 2026 home purchase plans."

[0054] 5. Providing information to users

[0055] The device displays the prediction results and notifications received from the server to the user.

[0056] Through the app, users can view the latest household forecasts and recommended actions.

[0057] Specific examples

[0058] 1. Enter information

[0059] User A enters into the app, "My second child will be born in 2024" and "I plan to purchase a house for 30 million yen in 2026."

[0060] 2. Data transmission and storage

[0061] User A's input information is sent from the terminal to the server and stored in the database.

[0062] 3. Household forecast

[0063] The server runs an AI model based on the stored information to predict the "balance of income, expenses, and savings from 2024 to 2026."

[0064] The AI ​​model predicts that "the birth of a child will increase annual expenses by 20%, while income will remain largely unchanged, resulting in a decrease in savings."

[0065] 4. Real-time updates and notifications

[0066] If economic or social conditions change, for example if information is obtained that "real estate prices are predicted to rise sharply in 2025," the server will generate a new prediction and send a notification to User A saying, "Consider bringing forward your home purchase plans."

[0067] 5. Providing information to users

[0068] User A checks the notification in the app and sees the household budget forecast and recommended actions, which may lead to User A revising their plan.

[0069] This allows users to accurately manage their household finances while maintaining their privacy and making real-time decisions to mitigate future risks.

[0070] The processing flow will be explained below.

[0071] Step 1:

[0072] User input

[0073] The user launches an interactive interface and enters information about their current financial situation (e.g., income, expenses, savings) and future plans (e.g., marriage, childbirth, home purchase, etc.).

[0074] For example, a user might enter, "I plan to have a child in 2024" or "I plan to buy a home worth 30 million yen in 2026."

[0075] Step 2:

[0076] Data transmission by the terminal

[0077] The device receives the data entered by the user and temporarily stores it.

[0078] The device formats the data appropriately and sends it to the server.

[0079] Step 3:

[0080] Receiving and storing data on the server

[0081] The server receives the data sent from the terminal.

[0082] The data received by the server is format-checked to verify that it does not contain invalid data.

[0083] The server stores the received information in a database.

[0084] Step 4:

[0085] Server-based household forecasting

[0086] The server runs the AI ​​model based on the user information stored in the database.

[0087] The server inputs user information into an AI model to predict the balance of income, expenses, and savings.

[0088] For example, it generates predictions such as, "Between 2023 and 2026, expenses are expected to increase by 20% annually and savings to decrease due to the birth of children."

[0089] Step 5:

[0090] Real-time updates from the server

[0091] The server monitors changes in social conditions and the economic environment.

[0092] If there are changes in social conditions or the economic environment, the AI ​​model is re-run based on the new information to generate the latest predictions.

[0093] For example, based on a sudden change in economic conditions, the forecast could be updated to a message saying, "Consider bringing forward your home purchase plans."

[0094] Step 6:

[0095] Sending notifications from the server to the device

[0096] The latest prediction results generated by the server are sent to the terminal.

[0097] The server generates notifications containing important information and recommended actions and sends them to the device.

[0098] Step 7:

[0099] Receiving and displaying notifications on your device

[0100] The terminal receives the notification from the server.

[0101] The device displays the notification received to the user.

[0102] For example, a message such as "Your savings are declining. Please reconsider your savings plan" may be displayed.

[0103] Step 8:

[0104] User confirmation and action

[0105] The user checks the notifications and prediction results on the device.

[0106] Users can review their household plans as needed and enter new information into the system.

[0107] By following these steps, users can always keep track of their household finances and take the most appropriate measures.

[0108] Example 1

[0109] 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."

[0110] In today's complex economic and social environment, it is difficult for individual users to accurately predict their future household finances and take appropriate measures. Advanced analysis is particularly necessary to forecast household finances based on life events and major financial plans. However, traditional methods make it difficult to accurately and quickly collect the necessary information and communicate future risks and opportunities to users in a timely manner. This can prevent users from optimally managing their household finances and potentially prevent them from responding to future risks.

[0111] 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.

[0112] In this invention, the server includes a means for a user to input information about their asset status and future plans using an interactive interface, a device that receives the information input by the user, formats it appropriately, and stores it in a database, a device that runs a generative AI model based on the stored information to predict future income and expenses, a device that monitors changes in social conditions and the economic environment and generates the latest forecasts in real time, and a device that transmits the generated forecast results to a user terminal and notifies them. This enables users to receive accurate household forecasts in real time based on the information they input, enabling them to respond quickly to future risks and opportunities.

[0113] An "interactive interface" is a user interface that allows a user to input information into a system in real time and receive a response from the system.

[0114] "Asset status" refers to the user's financial situation, including current income, expenses, and savings.

[0115] "Future planning" refers to plans for life events and large expenditures (such as buying a home or paying for a child's education) that the user is planning.

[0116] "Format" refers to the rules and structure used to store, transmit, and process data, and is necessary to ensure data consistency and accuracy.

[0117] "Database" means a system for systematically collecting and managing received and stored data.

[0118] A "generative AI model" is an artificial intelligence algorithm that predicts future economic conditions based on incoming data.

[0119] "Social conditions" refers to the economic, political, cultural, and other conditions of society as a whole, and are factors that influence household financial decisions.

[0120] The "economic environment" refers to the overall state of the economy and includes economic indicators such as prices, interest rates, and employment rates.

[0121] "Real-time" refers to a state in which data is processed and reflected immediately after it is generated.

[0122] "Prediction results" are predictive data such as future income, expenses, and savings calculated by the generative AI model.

[0123] "Notifications" are messages or alerts sent by the system to inform users of information.

[0124] "User terminal" refers to a device (e.g., smartphone, computer, etc.) used by a user to operate this system.

[0125] This invention is a system that allows users to respond to daily changes in the economic and social environment and maintain a household financial situation that will not cause future problems.The system uses an interactive interface to allow users to input information about their asset status and future plans, and a generative AI model based on that information predicts household finances and identifies risks and opportunities in real time.

[0126] User input

[0127] Users access an interactive interface using a device such as a smartphone or computer. The system begins to operate when the user inputs information about their current financial situation (income, expenses, savings) and future plans (life events and large-scale spending plans). For example, a user might input specific information such as "I plan to have my second child in 2024" or "I plan to purchase a home for 30 million yen in 2026."

[0128] Data transmission and storage

[0129] The terminal converts the information entered by the user into an appropriate format (for example, JSON format) and sends it to the server. The server verifies the received data, checks whether it contains any invalid data, and then stores it in a database.

[0130] Running a household forecast

[0131] The server runs a generative AI model based on the user's information stored in the database. This AI model predicts the balance of income, expenses, and savings based on the user's current and future aspirations. For example, it predicts that "expenses will increase by approximately 20% annually between 2024 and 2026, while income will remain roughly constant, resulting in a decrease in savings."

[0132] Real-time updates and notifications

[0133] The server monitors changes in the economic and social environment, and when new information becomes available, it re-runs the AI ​​model to generate the latest forecast. The server then sends the latest forecast results to the user's device in real time and notifies them. For example, if there is a sudden change in the economic situation, a notification may be generated that says, "You need to reconsider your home purchase plans for 2026."

[0134] Providing information to users

[0135] The device receives the forecast results and notifications from the server and displays them to the user. Users can check the latest household forecasts and recommended actions through the app, and can review their plans based on this information.

[0136] Specific examples

[0137] 1. Enter information

[0138] User A enters into the app, "My second child will be born in 2024" and "I plan to purchase a house for 30 million yen in 2026."

[0139] 2. Data transmission and storage

[0140] The information entered by User A is sent from the terminal to the server and stored in the database.

[0141] 3. Household forecast

[0142] The server runs an AI model based on the stored information to predict the "balance of income, expenses, and savings from 2024 to 2026."

[0143] For example, the AI ​​model predicts that the birth of a child will increase annual expenses by 20%, while income will remain largely unchanged, resulting in a decrease in savings.

[0144] 4. Real-time updates and notifications

[0145] If economic or social conditions change, for example, if information is obtained that "real estate prices are predicted to rise sharply in 2025," the server will generate a new prediction and send a notification to User A saying, "Please consider bringing forward your home purchase plans."

[0146] 5. Providing information to users

[0147] User A checks the notification in the app and sees the household budget forecast and recommended actions. Based on this, User A may revise their plan.

[0148] Prompt Sentence Examples

[0149] "We are expecting our second child in 2024 and are planning to purchase a home for 30 million yen in 2026. Please forecast our household finances from 2024 to 2026 based on these conditions."

[0150] "Do changing economic conditions require you to reconsider your 2026 home buying plans?"

[0151] In this way, the system of the present invention allows users to maintain privacy while accurately managing their household finances and making real-time decisions to mitigate future risks.

[0152] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0153] Step 1:

[0154] The user enters information using an interactive interface.

[0155] Input: User's current financial situation (income, expenses, savings) and future plans (life events, large-scale spending plans)

[0156] Specific operation: A user enters data such as "My second child will be born in 2024" or "I plan to purchase a house for 30 million yen in 2026" into an input form on a smartphone or computer application and presses the "Submit" button.

[0157] Output: The input information is temporarily stored in the device's memory.

[0158] Step 2:

[0159] The terminal converts the input information into an appropriate format and sends it to the server.

[0160] Input: Raw information entered by the user

[0161] Data processing / calculation: Converts the information entered on the device into an appropriate format such as JSON.

[0162] Specific operation: The terminal formats the data "Income: 1 million yen," "Expenses: 700,000 yen," and "Future plans: Purchase a house for 30 million yen" into JSON format, generates an HTTP request, and sends it to the server.

[0163] Output: The formatted data is sent to the server.

[0164] Step 3:

[0165] The server validates the received data and stores it in a database.

[0166] Input: Formatted data sent from the terminal

[0167] Data processing / calculation: The server checks the format and value range of the received data and eliminates invalid data.

[0168] Specific operation: The server receives the data, checks the format and value range, and inserts valid data into the database using an SQL query. If there is a mismatch, an error message is returned to the terminal.

[0169] Output: The correct data is saved in the database.

[0170] Step 4:

[0171] The server runs the generated AI model and makes household forecasts.

[0172] Input: Good data stored in the database

[0173] Data processing / calculation: The server retrieves the necessary data from the database and creates and inputs prompt statements to the generative AI model.

[0174] Specific operation: The server sends the prompt statement "We are planning to have a second child in 2024 and purchase a house for 30 million yen in 2026. Please predict our household finances from 2024 to 2026 under these conditions" to the generation AI model, and the AI ​​model performs calculations and returns the predicted results.

[0175] Output: Predictions from the generative AI model

[0176] Step 5:

[0177] The server sends the prediction results to the user's device and notifies them.

[0178] Input: Prediction results returned by the generative AI model

[0179] Data processing / calculation: Formatting the prediction results into notification format

[0180] Specific behavior: The server creates a notification message such as "You should reconsider your home purchase plans for 2026" and sends a push notification to the user's device via the HTTP protocol.

[0181] Output: Informational messages are displayed on the user's terminal.

[0182] Step 6:

[0183] Users can view prediction results and notifications through the app.

[0184] Input: Notification message

[0185] What happens: The user opens the app and clicks the notification banner to see detailed prediction results and recommended actions.

[0186] Output: A display showing the latest household forecast and recommended actions.

[0187] (Application example 1)

[0188] 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."

[0189] In modern society, economic and social conditions fluctuate daily, making it extremely difficult to manage personal finances. Furthermore, manually managing finances requires time and effort, and there is a risk of missing future risks and opportunities. Given this background, there is a demand for systems that can predict income and expenses in real time and support future finance management. However, existing systems lack the ability to provide appropriate advice in real time based on the user's financial situation and future plans. Furthermore, there are issues with low user convenience due to the limited intuitive interface and availability via smart devices.

[0190] 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.

[0191] In this invention, the server includes: a means for a user to input information about their financial situation and future plans using an interactive interface; a means for receiving the information input by the user, validating its format, and storing it in a database; a means for running an AI model that predicts future income and expenses based on the stored information; a means for monitoring changes in social and economic conditions and generating updated forecasts; a means for sending and notifying the generated forecast results to a user terminal; and a means for the user to check the input information and the latest household forecast via a smartwatch or smart device. This allows users to easily input information through an intuitive interface and receive the latest household forecasts and recommended actions in real time. Furthermore, using a smart device makes it easy to manage household finances anytime, anywhere, and enables quick response to changes in the economic and social environment.

[0192] An "interactive interface" is a specialized interface that allows a user to directly interact with a system through input and operation.

[0193] "Financial Status" shows the overall picture of the user's current assets and liabilities, including cash, savings, investments, and debts.

[0194] "Future plans" are plans for important life events and expenses that the user is planning, such as buying a house or children's education.

[0195] "Server means" refers to a server having the functionality to receive information entered by a user, validate the format appropriately, and store the information in a database.

[0196] The "AI model" is an artificial intelligence model that predicts future income and expenses based on saved user information and generates advice for optimal household management.

[0197] "Monitoring" refers to the process of continuously observing changes in social and economic conditions and generating new predictions.

[0198] The "notification means" is a part of the system that immediately transmits the generated prediction results to the user terminal and notifies them.

[0199] A "user terminal" is an electronic device, such as a smartphone or PC, that a user operates to interact with the system.

[0200] A "smart device" is an electronic device (e.g., smartwatch, tablet) that has Internet connectivity and allows users to directly input and check information.

[0201] "Household finances forecast" is the process of predicting the future balance of income, expenses, and savings based on the user's current financial situation and future plans.

[0202] "Recommended actions" are specific actions or measures suggested to users based on their predicted household financial situation.

[0203] "Real-time updates" means that the system is updated to reflect the latest information as soon as the data changes.

[0204] The present invention is a system that uses an interactive interface to input information about a user's financial situation and future plans, and based on that information, predicts future income and expenses and provides the user with appropriate advice. The system includes the following components and functions:

[0205] First, an interactive interface provides users with a means to input information about their financial situation (income, expenses, savings) and future life events (e.g., buying a home, having a child). For example, users can easily input this information via a smartwatch or smartphone. This information is then appropriately formatted and sent to a server.

[0206] The server verifies the received information, converts it into the appropriate format, and stores it in a database. At this time, it checks to see if any invalid data is included. A general cloud server can be used as the server. For example, services such as Amazon Web Services (AWS (registered trademark)) or Google (registered trademark) Cloud Platform (GCP) can be used.

[0207] Next, there is a way to run an AI model based on the stored data. This AI model analyzes the user's income and spending trends and predicts the balance of future income, expenses, and savings. This model is run using a programming language such as Python and utilizes machine learning libraries such as TENSORFLOW (registered trademark) and PyTorch. For example, based on the information a user enters, "I will have my second child in 2024," it can predict how much expenses will increase.

[0208] The server also has a means of monitoring changes in social and economic conditions. For example, this can be achieved by using APIs for economic news and market data to obtain the latest information, rerunning the AI ​​model to generate the latest predictions. The generated prediction results are then sent to the user's device in real time and used as notifications. For example, a user planning to purchase a home might be notified that "real estate prices are likely to rise sharply, so we recommend that you bring your plans forward."

[0209] By using a smart device, users can check the latest household forecasts in real time, anytime and anywhere, and take appropriate measures. The system aims to respond quickly to changes in the economic and social environment and support users in making decisions to mitigate future risks.

[0210] As a concrete example, consider the case where a user enters, "I plan to purchase a home for 30 million yen in 2026." This information is sent to the server, properly formatted, and saved. The server's AI model predicts the balance of income, expenses, and savings from 2024 to 2026, predicting that "annual expenses will increase by 20% due to the birth of a child, while income will not change significantly, resulting in a decrease in savings." This prediction is sent to the user's device, where the user can view it via their smartwatch.

[0211] Example prompt sentence:

[0212] Input data:

[0213] Current income: 500,000 yen

[0214] Current expenses: 200,000 yen

[0215] Savings: 1,000,000 yen

[0216] Future events: Birth of second child in 2024, purchase of a home (30 million yen) in 2026

[0217] question:

[0218] It takes into account economic data from the past three years to make projections for household finances through 2026.

[0219] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0220] Step 1:

[0221] Users use smart devices to input information about their financial situation and future plans. Input data includes income, expenses, savings, and future life events (e.g., buying a home or having a child). This information is input through an interactive interface. Specific examples of input include "I plan to have my second child in 2024" and "I plan to purchase a home for 30 million yen in 2026."

[0222] Step 2:

[0223] The terminal receives information input from the user in real time and sends it to the server. Before sending, the input data is formatted into an appropriate format, such as JSON, if necessary. The output is the formatted data, and the input is the raw data provided by the user.

[0224] Step 3:

[0225] The server validates the information it receives, converts it to the proper format, and stores it in a database. The validation process checks that the input data is not malformed or contains unwanted data. The output is the validated data, and the input is the formatted data sent from the terminal.

[0226] Step 4:

[0227] The server runs an AI model based on the user's financial situation and future plans stored in a database. The AI ​​model analyzes income and expenditure trends and predicts the balance of future income, expenditure, and savings. The input is the user information stored in the database, and the output is the predicted result. For example, the server predicts the "balance of income, expenditure, and savings from 2024 to 2026" and generates a result such as "annual expenditure will increase by 20% due to the birth of a child, and income will not change significantly, so savings will decrease."

[0228] Step 5:

[0229] The server monitors changes in social conditions and the economic environment and generates the latest forecasts. Monitoring is performed using APIs for economic news and market data to obtain the latest information. Based on this information, the AI ​​model is re-run to generate new forecasts. The input is economic news and market data, and the output is updated forecasts.

[0230] Step 6:

[0231] The latest forecast result is sent to the user's device and a notification is generated. For example, a notification such as "Consider bringing forward your 2026 home purchase plan" is generated. The input is the latest forecast result, and the output is the notification sent to the user's device.

[0232] Step 7:

[0233] The device receives the forecast results and notifications from the server and displays them to the user. The user can check the notifications on their smartwatch or smartphone to see the household forecast and recommended actions. For example, if the notification reads, "There is a possibility of a sudden rise in real estate prices, so we recommend that you bring your plans forward," the user can consider specific actions based on this.

[0234] Through these processing steps, users can receive real-time, up-to-date household forecasts and take appropriate actions to mitigate future risks.

[0235] Furthermore, an emotion engine that estimates the user's emotion may be combined. That is, the identification processing unit 290 may estimate the user's emotion using the emotion identification model 59 and perform identification processing using the user's emotion.

[0236] This system aims to help users adapt to the ever-changing economic and social environment and maintain a comfortable household finances for the future. Furthermore, by combining this system with an emotion engine that recognizes the user's emotions, the system provides appropriate advice according to the user's psychological state.

[0237] Overall system configuration

[0238] 1. User input

[0239] The user launches an interactive interface and enters information about their current financial situation (income, expenses, savings) and future plans (life events, home purchase, children's education, etc.).

[0240] For example, you might enter information such as, "My second child is due in 2024," or "I plan to purchase a home worth 30 million yen in 2026."

[0241] 2. Sending and saving input data

[0242] The device temporarily stores the information entered by the user and sends it to the server, where it is formatted appropriately.

[0243] The server validates the information it receives and checks that it does not contain any invalid data.

[0244] The server stores the information in a database.

[0245] 3. Performing household forecasts

[0246] The server runs an AI model based on user information stored in a database to predict the balance of income, expenses, and savings.

[0247] For example, it generates predictions such as, "Expenses are expected to increase by approximately 20% annually between 2023 and 2026, while savings are expected to decline."

[0248] 4. Emotion Recognition by Emotion Engine

[0249] The server uses an emotion engine to analyze the user's emotions based on the user's input data and data collected from the interactive interface.

[0250] The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[0251] 5. Real-time updates and notifications

[0252] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions.

[0253] Based on the recognition results of the emotion engine, appropriate advice and notification content is tailored to the user.

[0254] For example, if a user is temporarily feeling anxious due to a sudden change in the economic situation, a reassuring notification such as "Let's wait and see for a while" will be generated.

[0255] 6. Notification and Information to Users

[0256] The device displays the prediction results and notifications received from the server to the user.

[0257] Through the app, users can view the latest household forecasts and sentiment-based recommendations.

[0258] Specific examples

[0259] 1. Enter information

[0260] User A enters the following information into the app: "My second child is due to be born in 2024" and "I plan to purchase a home for 30 million yen in 2026."

[0261] 2. Data transmission and storage

[0262] User A's input information is sent from the terminal to the server and stored in the database.

[0263] 3. Household forecast

[0264] The server runs an AI model based on the stored information to predict the "balance of income, expenses, and savings from 2024 to 2026."

[0265] For example, predict that "the birth of a child will increase annual expenses by 20% and decrease savings."

[0266] 4. Emotion recognition

[0267] The server uses user A's input data and information from the interactive interface to analyze user A's emotions using an emotion engine.

[0268] For example, the emotion engine recognizes that user A is feeling "anxiety."

[0269] 5. Real-time updates and notifications

[0270] If economic or social conditions change, for example if information is obtained that "a sharp rise in real estate prices is predicted," the server will generate a new prediction and send a notification to User A saying, "Consider bringing forward your home purchase plans."

[0271] Based on the analysis results of the emotion engine, it is determined that User A is feeling anxious, so a notification is generated stating, "Please rest assured that we will consider support measures to help you purchase a home."

[0272] 6. Information provision

[0273] User A checks the notification sent by the app and sees the household budget forecast and recommended actions based on emotions. Based on this, User A may reconsider their plan.

[0274] This allows users to accurately manage their household finances while maintaining their privacy and receiving appropriate advice based on their emotional state.

[0275] The processing flow will be explained below.

[0276] Step 1:

[0277] User input

[0278] The user launches an interactive interface and enters information about their current financial situation (e.g., income, expenses, savings) and future plans (e.g., marriage, childbirth, home purchase, etc.).

[0279] For example, a user might enter, "I plan to have a child in 2024" or "I plan to buy a home worth 30 million yen in 2026."

[0280] Step 2:

[0281] Data transmission by the terminal

[0282] The device temporarily stores data entered by the user.

[0283] The device formats the data appropriately and sends it to the server.

[0284] Step 3:

[0285] Receiving and storing data on the server

[0286] The server receives the data sent from the terminal.

[0287] The data received by the server is format-checked to verify that it does not contain invalid data.

[0288] The server stores the received information in a database.

[0289] Step 4:

[0290] Server-based household forecasting

[0291] The server runs the AI ​​model based on the user information stored in the database.

[0292] The server inputs user information into an AI model to predict the balance of income, expenses, and savings.

[0293] For example, it generates predictions such as, "Between 2023 and 2026, expenses are expected to increase by 20% annually and savings to decrease due to the birth of children."

[0294] Step 5:

[0295] Emotion recognition by emotion engine

[0296] The server uses an emotion engine to analyze the user's emotions based on the user's input data and data collected from the interactive interface.

[0297] The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[0298] Step 6:

[0299] Real-time updates from the server

[0300] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions.

[0301] Based on the recognition results of the emotion engine, notification content and advice are adjusted to match the user's emotional state.

[0302] For example, if a user is feeling anxious, a reassuring notification such as "Let's wait and see" will be generated.

[0303] Step 7:

[0304] Sending notifications from the server to the device

[0305] The latest prediction results generated by the server are sent to the terminal.

[0306] The server generates notifications containing important information and recommended actions and sends them to the device.

[0307] Step 8:

[0308] Receiving and displaying notifications on your device

[0309] The device receives the notification from the server and displays the notification content to the user.

[0310] For example, it could display a message like "Your savings are declining. Please reconsider your savings plan" or a reassuring notification like "Just wait and see."

[0311] Step 9:

[0312] User confirmation and action

[0313] The user checks the notifications and prediction results on the device.

[0314] Users can review their household plans as needed and enter new information into the system.

[0315] By following these steps, users can always keep track of their current household finances and take optimal measures according to their emotional state.

[0316] Example 2

[0317] Next, a description will be given of Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the smart device 14 will be referred to as a "terminal."

[0318] Conventional household management systems only manage basic financial information such as users' income, expenses, and savings, making it difficult to reflect changes in economic and social circumstances in real time. Furthermore, they are unable to provide appropriate advice based on the user's emotional state, which can lead to stress and anxiety for users.

[0319] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[0320] In this invention, the server includes means for a user to input information about their financial situation and future plans using an interactive interface, means for receiving the information input by the user, verifying the format, and saving it in a database, means for running an AI model that predicts future income and expenses based on the saved information, means for monitoring changes in social conditions and the economic environment and generating the latest predictions, means for sending the generated prediction results to a user terminal and notifying them, means for analyzing the user's emotional state using an emotion engine, and means for adjusting appropriate advice and notification content based on the user's emotional state. This makes it possible to reflect changes in the economic situation and social environment in real time and provide appropriate advice according to the user's emotional state.

[0321] An "interactive interface" is an interactive input means used by a user to input information.

[0322] "Financial Status" is information about a user's income, expenses, and savings.

[0323] "Future plans" is information about life events and major expenditures that the user plans to make in the future.

[0324] A "server" is a computer system that receives, stores, and processes information from users.

[0325] A "database" is a system for organizing and managing stored information.

[0326] An "AI model" is an algorithm that uses machine learning and artificial intelligence technology to predict future income and expenses.

[0327] "Social conditions and economic environment" refers to information related to society and the economy, such as economic indicators and news.

[0328] An "emotion engine" is a software technology for analyzing a user's emotional state.

[0329] The "user's emotional state" refers to the psychological state, such as stress, anxiety, or relief, that the user is currently experiencing.

[0330] "Appropriate advice" is advice that helps users take appropriate action for their current situation and future.

[0331] "Notification" is a means of informing the user of prediction results and advice generated by the server.

[0332] "Monitoring" refers to the continuous observation and surveillance of changes in social conditions and the economic environment.

[0333] This system aims to help users adapt to the ever-changing economic and social environment and maintain a comfortable household finances for the future. Furthermore, by combining this system with an emotion engine that recognizes the user's emotions, the system provides appropriate advice according to the user's psychological state.

[0334] Overall system configuration

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

[0336] 1. User input

[0337] Users launch an interactive interface and input information about their current financial situation (income, expenses, savings) and future plans (life events, home purchase, children's education, etc.) For example, they can input information such as "I plan to have my second child in 2024" or "I plan to purchase a home for 30 million yen in 2026."

[0338] 2. Sending and saving input data

[0339] The device temporarily stores the information entered by the user and sends it to the server. At this time, the data is converted into the appropriate format. The server verifies the received information and checks for any invalid data. The verified data is then stored in the server's database.

[0340] 3. Performing household forecasts

[0341] The server runs an AI model based on user information stored in a database to predict the balance of income, expenses, and savings. For example, it generates a prediction such as, "Expenses are expected to increase by approximately 20% annually between 2023 and 2026, while savings are expected to decrease." The AI ​​model uses machine learning frameworks such as TensorFlow and PyTorch.

[0342] 4. Emotion Recognition by Emotion Engine

[0343] The server uses an emotion engine to analyze the user's emotions based on the user's input data and data collected from the interactive interface. The emotion engine uses, for example, IBM Watson (registered trademark) emotion analysis API. The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[0344] 5. Real-time updates and notifications

[0345] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions. Based on the recognition results of the emotion engine, the system tailors appropriate advice and notifications to the user. For example, if a user is temporarily feeling anxious due to a sudden change in the economic situation, it generates a reassuring notification such as "Let's wait and see for a while."

[0346] 6. Notification and Information to Users

[0347] The device receives the forecast results and notifications from the server and displays them to the user, who can then view the latest household forecasts and recommended actions based on their emotions through the app.

[0348] Specific examples

[0349] 1. Enter information

[0350] User A enters the following information into the app: "My second child is due to be born in 2024" and "I plan to purchase a home for 30 million yen in 2026."

[0351] 2. Data transmission and storage

[0352] User A's input information is sent from the terminal to the server and stored in the database.

[0353] 3. Household forecast

[0354] The server runs an AI model based on the stored information to predict the balance of income, expenses, and savings from 2024 to 2026. For example, it predicts that annual expenses will increase by 20% and savings will decrease with the birth of a child.

[0355] 4. Emotion recognition

[0356] The server uses the input data of user A and information from the interactive interface to analyze the emotions of user A using an emotion engine. For example, the emotion analysis recognizes that user A is feeling "anxiety."

[0357] 5. Real-time updates and notifications

[0358] If economic or social conditions change, for example if information is obtained that "real estate prices are predicted to rise sharply," the server generates a new prediction and sends a notification to User A saying, "Please consider bringing forward your home purchase plans." Also, since User A is feeling anxious, a notification is generated saying, "Please rest assured that we will consider support measures for home purchases."

[0359] 6. Information provision

[0360] User A checks the notification sent by the app and sees the household budget forecast and the recommended actions based on their emotions. Based on this, User A may reconsider their plan.

[0361] These steps allow users to maintain their privacy while accurately managing their finances and receiving appropriate advice based on their emotional state.

[0362] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0363] Step 1:

[0364] The user launches an application.

[0365] Input: A user taps or clicks an application icon on their phone or computer.

[0366] What happens: The application launches and displays an interactive interface.

[0367] Output: The user is presented with the initial application screen and is prompted to enter further information.

[0368] Step 2:

[0369] The user enters information about their financial situation and future plans using an interactive interface.

[0370] Input: The user enters information into an interactive interface about income, expenses, savings, and life events (e.g., "I plan to have my second child in 2024" or "I plan to purchase a home for $300,000 in 2026").

[0371] What happens: The user enters information into an input field and clicks the "Submit" button.

[0372] Output: The entered information is stored in the device's temporary memory.

[0373] Step 3:

[0374] The terminal sends the information entered by the user to the server.

[0375] Input: Information stored on your device after you click the "Submit" button.

[0376] Specific operation: The device converts the input information into JSON format and sends an HTTP POST request to the server's API endpoint.

[0377] Output: The server receives the data in JSON format.

[0378] Step 4:

[0379] The server validates the received information and stores it in a database.

[0380] Input: JSON format data sent from the terminal.

[0381] Specific operation: The server validates the format and content of the data, checking for invalid data, and stores data that passes validation in a MySQL database.

[0382] Output: Validated data is stored in a database.

[0383] Step 5:

[0384] The server runs an AI model based on user information stored in a database to make household forecasts.

[0385] Input: User information stored in the database.

[0386] Specific operation: The server executes a query such as "SELECT FROM User_Info WHERE UserID = 'xxx'" to retrieve data and input it into the AI ​​model.

[0387] Output: The AI ​​model generates a forecast of your income, expenses, and savings balance.

[0388] Step 6:

[0389] The server uses an emotion engine to analyze the user's emotional state.

[0390] Input: Data entered by the user or collected from an interactive interface.

[0391] Specific operation: The server calls an emotion engine (e.g., IBM Watson's emotion analysis API) and analyzes the user's emotion data.

[0392] Output: The user's emotional state (e.g., anxious, relieved) returned by the emotion engine.

[0393] Step 7:

[0394] The server monitors changes in social and economic conditions and re-runs the AI ​​model to generate the latest predictions.

[0395] Input: Latest economic data and information on social conditions.

[0396] What it does: The server periodically retrieves new data through the API and re-inputs it into the AI ​​model.

[0397] Output: Updated household forecast results.

[0398] Step 8:

[0399] The server tailors appropriate advice and notifications to users based on the generated predictions and sentiment analysis results.

[0400] Input: Household forecast results and sentiment analysis results.

[0401] Specific behavior: The server generates a notification message such as "Don't worry, we will consider ways to help you purchase a home."

[0402] Output: The generated notification message.

[0403] Step 9:

[0404] The device displays the prediction results and notifications received from the server to the user.

[0405] Input: The latest prediction result and notification message sent from the server.

[0406] Specific behavior: The device displays it to the user as a push notification or in-app message.

[0407] Output: The user can view the latest financial forecast and sentiment-based recommended actions through the app.

[0408] (Application example 2)

[0409] 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."

[0410] The current economic and social environment changes very rapidly, making it difficult for users to effectively manage their own household finances and prepare appropriately for future events. Furthermore, a user's psychological state and emotions can significantly affect household finances, but no system exists that provides advice that takes these into account. Therefore, it is necessary to propose a system that provides advice in real time based on the user's economic situation and individual psychological state, creating an environment in which users can manage their household finances with peace of mind.

[0411] 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 a user to input information about their financial situation and future plans using an interactive interface; means for receiving the information input by the user, verifying the format, and saving it in a database; means for executing an AI model that predicts future income and expenses based on the saved information; means for monitoring changes in social and economic conditions and generating updated predictions; means for sending and notifying the generated prediction results to a user terminal; an emotion engine that analyzes the user's emotions and generates appropriate advice based on the user's emotional state; and means for notifying real-time advice based on the user's latest economic situation and psychological state. This not only enables the user to accurately manage their household finances in response to changes in the economic and social environment, but also allows them to manage their household finances with peace of mind by receiving advice tailored to their emotional state.

[0412] An "interactive interface" is a user interface that allows a user to input information about their financial situation and future plans.

[0413] A "server" is a device or system that receives information entered by a user, validates the format, and stores it in a database.

[0414] An "AI model" is an artificial intelligence technology that predicts future income and expenses based on stored information.

[0415] "Means for monitoring changes in social conditions and the economic environment" refers to the function of continuously monitoring the latest economic data and social trends and updating forecasts based on them.

[0416] A "user terminal" is a device (e.g., a smartphone or tablet) that receives the generated prediction results and notifies the user.

[0417] An "emotion engine" is a system that analyzes a user's emotions and generates appropriate advice based on their emotional state.

[0418] "Means of notifying real-time advice" is a function that provides users with immediate advice based on the latest economic situation and the user's psychological state.

[0419] This system aims to help users adapt to the ever-changing economic and social environment and maintain a comfortable financial situation for the future. Furthermore, by combining this system with an emotion engine that recognizes the user's emotions, the system provides appropriate advice according to the user's psychological state.

[0420] Overall system flow:

[0421] 1. Enter your information:

[0422] Through an interactive interface, users input information about their financial situation and future plans, such as "I plan to have a second child in 2024" or "I plan to purchase a home worth 30 million yen in 2026."

[0423] 2. Data Receipt and Storage:

[0424] The server receives the information entered by the user, validates the format, and stores it in a database, where the data is formatted appropriately.

[0425] 3. Run household forecast:

[0426] The server runs an AI model based on the stored information to predict the user's future income and expenses, for example, predicting the balance of income, expenses, and savings from 2024 to 2026.

[0427] 4. Emotion recognition:

[0428] The server analyzes the user's emotions using an emotion engine based on the user's input data and data collected from the interactive interface. The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[0429] 5. Real-time updates and notifications:

[0430] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions. Furthermore, based on the results of the emotion engine's recognition, it tailors appropriate advice and notifications to the user. For example, if a user is feeling anxious due to a sudden change in the economic situation, it generates a reassuring notification such as "Let's wait and see for a while."

[0431] 6. User Notice and Information:

[0432] The user's device receives the forecast results and notifications from the server and displays them to the user. The user can then check the latest household forecasts and recommended actions based on their emotions through the app.

[0433] Example of a system:

[0434] User ID: user_12345

[0435] Input information: For example, "We plan to have our second child in 2024" or "We plan to purchase a home for 30 million yen in 2026."

[0436] Forecast data: For example, "The birth of a child will increase annual expenses by 20% and decrease savings."

[0437] Emotion Recognition: When the user feels "anxiety"

[0438] Notification content: For example, "Please rest assured that we will consider support measures to help you purchase a home."

[0439] Example prompt sentence:

[0440] Generate advice based on the user's emotional state. The user ID is "user_12345", and the future household forecast shows that annual expenses are expected to increase by 20%. The user's emotional state is "anxious". Notify this user of appropriate advice.

[0441] The system combines a smartphone app, server, database, AI model, emotion engine, and real-time notification system to provide an environment where users can manage their household finances with peace of mind. Specific hardware and software used include cloud infrastructure such as AWS and Google Cloud, notification services such as Firebase Cloud Messaging, and a dedicated emotion analysis engine and AI model.

[0442] This not only enables users to accurately manage their household finances in response to changes in the economic and social environment, but also allows them to receive appropriate support for their emotions.

[0443] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0444] Step 1:

[0445] The user uses an interactive interface to input information about their financial situation and future plans. For example, they might input, "I plan to have my second child in 2024," or "I plan to purchase a home worth 30 million yen in 2026." The input information is temporarily stored on the device.

[0446] Step 2:

[0447] The terminal sends the information entered by the user to the server, which then verifies the format of the received data and stores it in a database. At this time, the data is formatted properly and checked to see if it contains any invalid data.

[0448] Step 3:

[0449] The server runs an AI model based on the stored information to predict future income and expenses. The input is the user's financial situation and future plans, and the output is a predicted household financial situation. For example, it generates a result such as "expenses are expected to increase by approximately 20% annually between 2024 and 2026, and savings are expected to decrease."

[0450] Step 4:

[0451] The server runs an emotion engine based on input data and user interaction data to analyze the user's emotional state. The input is the user's input information and interaction data, and the output is the recognized emotional state (e.g., stress, anxiety, relief).

[0452] Step 5:

[0453] The server monitors changes in social and economic conditions in real time and re-runs the AI ​​model as needed to generate updated predictions. For example, if a sudden rise in real estate prices is predicted, a new household forecast is generated. The input is the latest economic data, and the output is the updated prediction.

[0454] Step 6:

[0455] The server generates appropriate advice and notifications based on the generated household forecast and the analysis results of the emotion engine. For example, if the user is feeling anxious, it generates a notification saying, "Please rest assured that we will consider support measures for purchasing a home." The input is the forecast result and emotional state, and the output is advice.

[0456] Step 7:

[0457] The server sends the generated notification to the user's device. The device displays the received notification to the user. The user can check the latest household forecast and recommended actions based on their emotions through the app. The input is the generated notification, and the output is the information displayed to the user.

[0458] Through these steps, users can accurately manage their household finances in response to changes in the economic and social environment, and receive appropriate advice according to their emotional state, allowing them to manage their household finances with peace of mind.

[0459] 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.

[0460] 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.

[0461] 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.

[0462] [Second embodiment]

[0463] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0464] 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.

[0465] 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).

[0466] 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.

[0467] 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.

[0468] 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).

[0469] 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. 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.

[0470] 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.

[0471] 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.

[0472] 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.

[0473] 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.

[0474] 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."

[0475] This invention is a system that allows users to respond to daily changes in the economic and social environment and maintain a household financial situation that will not cause future problems.The system uses an interactive interface to input information about the user's financial situation and future plans, and based on that information, AI makes household financial forecasts and identifies risks and opportunities in real time.

[0476] Overall system configuration

[0477] 1. User input

[0478] Users use an interactive interface to input their current financial situation (income, expenses, savings) and future plans (life events, home purchase, children's education, etc.).

[0479] For example, a user might enter information such as "I am expecting my second child in 2024" or "I plan to purchase a home for 30 million yen in 2026."

[0480] 2. Sending and saving input data

[0481] The device sends the information entered by the user to the server, where the data is converted into the appropriate format.

[0482] The server validates the information it receives and checks that it does not contain any invalid data.

[0483] The server saves the data that passes the validation in the database.

[0484] 3. Performing household forecasts

[0485] The server runs the AI ​​model based on user information stored in the database.

[0486] The AI ​​model predicts the balance of income, expenses, and savings based on the user's current situation and future aspirations.

[0487] For example, generate a forecast that shows spending increasing by about 20% per year between 2024 and 2026, while income remains roughly constant, resulting in lower savings.

[0488] 4. Real-time updates and notifications

[0489] The server monitors changes in the economic and social environment, and when new information becomes available, it re-runs the AI ​​model to generate updated forecasts.

[0490] The latest forecast results generated are sent to the user's device in real time and notifications are sent.

[0491] For example, a sudden change in economic conditions could generate a notification saying, "You need to reconsider your 2026 home purchase plans."

[0492] 5. Providing information to users

[0493] The device displays the prediction results and notifications received from the server to the user.

[0494] Through the app, users can view the latest household forecasts and recommended actions.

[0495] Specific examples

[0496] 1. Enter information

[0497] User A enters into the app, "My second child will be born in 2024" and "I plan to purchase a house for 30 million yen in 2026."

[0498] 2. Data transmission and storage

[0499] User A's input information is sent from the terminal to the server and stored in the database.

[0500] 3. Household forecast

[0501] The server runs an AI model based on the stored information to predict the "balance of income, expenses, and savings from 2024 to 2026."

[0502] The AI ​​model predicts that "the birth of a child will increase annual expenses by 20%, while income will remain largely unchanged, resulting in a decrease in savings."

[0503] 4. Real-time updates and notifications

[0504] If economic or social conditions change, for example if information is obtained that "real estate prices are predicted to rise sharply in 2025," the server will generate a new prediction and send a notification to User A saying, "Consider bringing forward your home purchase plans."

[0505] 5. Providing information to users

[0506] User A checks the notification in the app and sees the household budget forecast and recommended actions, which may lead to User A revising their plan.

[0507] This allows users to accurately manage their household finances while maintaining their privacy and making real-time decisions to mitigate future risks.

[0508] The processing flow will be explained below.

[0509] Step 1:

[0510] User input

[0511] The user launches an interactive interface and enters information about their current financial situation (e.g., income, expenses, savings) and future plans (e.g., marriage, childbirth, home purchase, etc.).

[0512] For example, a user might enter, "I plan to have a child in 2024" or "I plan to buy a home worth 30 million yen in 2026."

[0513] Step 2:

[0514] Data transmission by the terminal

[0515] The device receives the data entered by the user and temporarily stores it.

[0516] The device formats the data appropriately and sends it to the server.

[0517] Step 3:

[0518] Receiving and storing data on the server

[0519] The server receives the data sent from the terminal.

[0520] The data received by the server is format-checked to verify that it does not contain invalid data.

[0521] The server stores the received information in a database.

[0522] Step 4:

[0523] Server-based household forecasting

[0524] The server runs the AI ​​model based on the user information stored in the database.

[0525] The server inputs user information into an AI model to predict the balance of income, expenses, and savings.

[0526] For example, it generates predictions such as, "Between 2023 and 2026, expenses are expected to increase by 20% annually and savings to decrease due to the birth of children."

[0527] Step 5:

[0528] Real-time updates from the server

[0529] The server monitors changes in social conditions and the economic environment.

[0530] If there are changes in social conditions or the economic environment, the AI ​​model is re-run based on the new information to generate the latest predictions.

[0531] For example, based on a sudden change in economic conditions, the forecast could be updated to a message saying, "Consider bringing forward your home purchase plans."

[0532] Step 6:

[0533] Sending notifications from the server to the device

[0534] The latest prediction results generated by the server are sent to the terminal.

[0535] The server generates notifications containing important information and recommended actions and sends them to the device.

[0536] Step 7:

[0537] Receiving and displaying notifications on your device

[0538] The terminal receives the notification from the server.

[0539] The device displays the notification received to the user.

[0540] For example, a message such as "Your savings are declining. Please reconsider your savings plan" may be displayed.

[0541] Step 8:

[0542] User confirmation and action

[0543] The user checks the notifications and prediction results on the device.

[0544] Users can review their household plans as needed and enter new information into the system.

[0545] By following these steps, users can always keep track of their household finances and take the most appropriate measures.

[0546] Example 1

[0547] 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."

[0548] In today's complex economic and social environment, it is difficult for individual users to accurately predict their future household finances and take appropriate measures. Advanced analysis is particularly necessary to forecast household finances based on life events and major financial plans. However, traditional methods make it difficult to accurately and quickly collect the necessary information and communicate future risks and opportunities to users in a timely manner. This can prevent users from optimally managing their household finances and potentially prevent them from responding to future risks.

[0549] 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.

[0550] In this invention, the server includes a means for a user to input information about their asset status and future plans using an interactive interface, a device that receives the information input by the user, formats it appropriately, and stores it in a database, a device that runs a generative AI model based on the stored information to predict future income and expenses, a device that monitors changes in social conditions and the economic environment and generates the latest forecasts in real time, and a device that transmits the generated forecast results to a user terminal and notifies them. This enables users to receive accurate household forecasts in real time based on the information they input, enabling them to respond quickly to future risks and opportunities.

[0551] An "interactive interface" is a user interface that allows a user to input information into a system in real time and receive a response from the system.

[0552] "Asset status" refers to the user's financial situation, including current income, expenses, and savings.

[0553] "Future planning" refers to plans for life events and large expenditures (such as buying a home or paying for a child's education) that the user is planning.

[0554] "Format" refers to the rules and structure used to store, transmit, and process data, and is necessary to ensure data consistency and accuracy.

[0555] "Database" means a system for systematically collecting and managing received and stored data.

[0556] A "generative AI model" is an artificial intelligence algorithm that predicts future economic conditions based on incoming data.

[0557] "Social conditions" refers to the economic, political, cultural, and other conditions of society as a whole, and are factors that influence household financial decisions.

[0558] The "economic environment" refers to the overall state of the economy and includes economic indicators such as prices, interest rates, and employment rates.

[0559] "Real-time" refers to a state in which data is processed and reflected immediately after it is generated.

[0560] "Prediction results" are predictive data such as future income, expenses, and savings calculated by the generative AI model.

[0561] "Notifications" are messages or alerts sent by the system to inform users of information.

[0562] "User terminal" refers to a device (e.g., smartphone, computer, etc.) used by a user to operate this system.

[0563] This invention is a system that allows users to respond to daily changes in the economic and social environment and maintain a household financial situation that will not cause future problems.The system uses an interactive interface to allow users to input information about their asset status and future plans, and a generative AI model based on that information predicts household finances and identifies risks and opportunities in real time.

[0564] User input

[0565] Users access an interactive interface using a device such as a smartphone or computer. The system begins to operate when the user inputs information about their current financial situation (income, expenses, savings) and future plans (life events and large-scale spending plans). For example, a user might input specific information such as "I plan to have my second child in 2024" or "I plan to purchase a home for 30 million yen in 2026."

[0566] Data transmission and storage

[0567] The terminal converts the information entered by the user into an appropriate format (for example, JSON format) and sends it to the server. The server verifies the received data, checks whether it contains any invalid data, and then stores it in a database.

[0568] Running a household forecast

[0569] The server runs a generative AI model based on the user's information stored in the database. This AI model predicts the balance of income, expenses, and savings based on the user's current and future aspirations. For example, it predicts that "expenses will increase by approximately 20% annually between 2024 and 2026, while income will remain roughly constant, resulting in a decrease in savings."

[0570] Real-time updates and notifications

[0571] The server monitors changes in the economic and social environment, and when new information becomes available, it re-runs the AI ​​model to generate the latest forecast. The server then sends the latest forecast results to the user's device in real time and notifies them. For example, if there is a sudden change in the economic situation, a notification may be generated that says, "You need to reconsider your home purchase plans for 2026."

[0572] Providing information to users

[0573] The device receives the forecast results and notifications from the server and displays them to the user. Users can check the latest household forecasts and recommended actions through the app, and can review their plans based on this information.

[0574] Specific examples

[0575] 1. Enter information

[0576] User A enters into the app, "My second child will be born in 2024" and "I plan to purchase a house for 30 million yen in 2026."

[0577] 2. Data transmission and storage

[0578] The information entered by User A is sent from the terminal to the server and stored in the database.

[0579] 3. Household forecast

[0580] The server runs an AI model based on the stored information to predict the "balance of income, expenses, and savings from 2024 to 2026."

[0581] For example, the AI ​​model predicts that the birth of a child will increase annual expenses by 20%, while income will remain largely unchanged, resulting in a decrease in savings.

[0582] 4. Real-time updates and notifications

[0583] If economic or social conditions change, for example, if information is obtained that "real estate prices are predicted to rise sharply in 2025," the server will generate a new prediction and send a notification to User A saying, "Please consider bringing forward your home purchase plans."

[0584] 5. Providing information to users

[0585] User A checks the notification in the app and sees the household budget forecast and recommended actions. Based on this, User A may revise their plan.

[0586] Prompt Sentence Examples

[0587] "We are expecting our second child in 2024 and are planning to purchase a home for 30 million yen in 2026. Please forecast our household finances from 2024 to 2026 based on these conditions."

[0588] "Do changing economic conditions require you to reconsider your 2026 home buying plans?"

[0589] In this way, the system of the present invention allows users to maintain privacy while accurately managing their household finances and making real-time decisions to mitigate future risks.

[0590] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0591] Step 1:

[0592] The user enters information using an interactive interface.

[0593] Input: User's current financial situation (income, expenses, savings) and future plans (life events, large-scale spending plans)

[0594] Specific operation: A user enters data such as "My second child will be born in 2024" or "I plan to purchase a house for 30 million yen in 2026" into an input form on a smartphone or computer application and presses the "Submit" button.

[0595] Output: The input information is temporarily stored in the device's memory.

[0596] Step 2:

[0597] The terminal converts the input information into an appropriate format and sends it to the server.

[0598] Input: Raw information entered by the user

[0599] Data processing / calculation: Converts the information entered on the device into an appropriate format such as JSON.

[0600] Specific operation: The terminal formats the data "Income: 1 million yen," "Expenses: 700,000 yen," and "Future plans: Purchase a house for 30 million yen" into JSON format, generates an HTTP request, and sends it to the server.

[0601] Output: The formatted data is sent to the server.

[0602] Step 3:

[0603] The server validates the received data and stores it in a database.

[0604] Input: Formatted data sent from the terminal

[0605] Data processing / calculation: The server checks the format and value range of the received data and eliminates invalid data.

[0606] Specific operation: The server receives the data, checks the format and value range, and inserts valid data into the database using an SQL query. If there is a mismatch, an error message is returned to the terminal.

[0607] Output: The correct data is saved in the database.

[0608] Step 4:

[0609] The server runs the generated AI model and makes household forecasts.

[0610] Input: Good data stored in the database

[0611] Data processing / calculation: The server retrieves the necessary data from the database and creates and inputs prompt statements to the generative AI model.

[0612] Specific operation: The server sends the prompt statement "We are planning to have a second child in 2024 and purchase a house for 30 million yen in 2026. Please predict our household finances from 2024 to 2026 under these conditions" to the generation AI model, and the AI ​​model performs calculations and returns the predicted results.

[0613] Output: Predictions from the generative AI model

[0614] Step 5:

[0615] The server sends the prediction results to the user's device and notifies them.

[0616] Input: Prediction results returned by the generative AI model

[0617] Data processing / calculation: Formatting the prediction results into notification format

[0618] Specific behavior: The server creates a notification message such as "You should reconsider your home purchase plans for 2026" and sends a push notification to the user's device via the HTTP protocol.

[0619] Output: Informational messages are displayed on the user's terminal.

[0620] Step 6:

[0621] Users can view prediction results and notifications through the app.

[0622] Input: Notification message

[0623] What happens: The user opens the app and clicks the notification banner to see detailed prediction results and recommended actions.

[0624] Output: A display showing the latest household forecast and recommended actions.

[0625] (Application example 1)

[0626] 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."

[0627] In modern society, economic and social conditions fluctuate daily, making it extremely difficult to manage personal finances. Furthermore, manually managing finances requires time and effort, and there is a risk of missing future risks and opportunities. Given this background, there is a demand for systems that can predict income and expenses in real time and support future finance management. However, existing systems lack the ability to provide appropriate advice in real time based on the user's financial situation and future plans. Furthermore, there are issues with low user convenience due to the limited intuitive interface and availability via smart devices.

[0628] 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.

[0629] In this invention, the server includes: a means for a user to input information about their financial situation and future plans using an interactive interface; a means for receiving the information input by the user, validating its format, and storing it in a database; a means for running an AI model that predicts future income and expenses based on the stored information; a means for monitoring changes in social and economic conditions and generating updated forecasts; a means for sending and notifying the generated forecast results to a user terminal; and a means for the user to check the input information and the latest household forecast via a smartwatch or smart device. This allows users to easily input information through an intuitive interface and receive the latest household forecasts and recommended actions in real time. Furthermore, using a smart device makes it easy to manage household finances anytime, anywhere, and enables quick response to changes in the economic and social environment.

[0630] An "interactive interface" is a specialized interface that allows a user to directly interact with a system through input and operation.

[0631] "Financial Status" shows the overall picture of the user's current assets and liabilities, including cash, savings, investments, and debts.

[0632] "Future plans" are plans for important life events and expenses that the user is planning, such as buying a house or children's education.

[0633] "Server means" refers to a server having the functionality to receive information entered by a user, validate the format appropriately, and store the information in a database.

[0634] The "AI model" is an artificial intelligence model that predicts future income and expenses based on saved user information and generates advice for optimal household management.

[0635] "Monitoring" refers to the process of continuously observing changes in social and economic conditions and generating new predictions.

[0636] The "notification means" is a part of the system that immediately transmits the generated prediction results to the user terminal and notifies them.

[0637] A "user terminal" is an electronic device, such as a smartphone or PC, that a user operates to interact with the system.

[0638] A "smart device" is an electronic device (e.g., smartwatch, tablet) that has Internet connectivity and allows users to directly input and check information.

[0639] "Household finances forecast" is the process of predicting the future balance of income, expenses, and savings based on the user's current financial situation and future plans.

[0640] "Recommended actions" are specific actions or measures suggested to users based on their predicted household financial situation.

[0641] "Real-time updates" means that the system is updated to reflect the latest information as soon as the data changes.

[0642] The present invention is a system that uses an interactive interface to input information about a user's financial situation and future plans, and based on that information, predicts future income and expenses and provides the user with appropriate advice. The system includes the following components and functions:

[0643] First, an interactive interface provides users with a means to input information about their financial situation (income, expenses, savings) and future life events (e.g., buying a home, having a child). For example, users can easily input this information via a smartwatch or smartphone. This information is then appropriately formatted and sent to a server.

[0644] The server verifies the received information, converts it into the appropriate format, and stores it in a database. At this time, it checks to see if it contains any invalid data. A general cloud server can be used as the server. For example, services such as Amazon Web Services (AWS) or Google Cloud Platform (GCP) can be used.

[0645] Next, there is a way to run an AI model based on the stored data. This AI model analyzes the user's income and spending trends and predicts the balance of future income, expenses, and savings. This model is run using programming languages ​​such as Python and utilizing machine learning libraries such as TensorFlow and PyTorch. For example, based on the information a user enters, "I will have my second child in 2024," it can predict how much their expenses will increase.

[0646] The server also has a means of monitoring changes in social and economic conditions. For example, this can be achieved by using APIs for economic news and market data to obtain the latest information, rerunning the AI ​​model to generate the latest predictions. The generated prediction results are then sent to the user's device in real time and used as notifications. For example, a user planning to purchase a home might be notified that "real estate prices are likely to rise sharply, so we recommend that you bring your plans forward."

[0647] By using a smart device, users can check the latest household forecasts in real time, anytime and anywhere, and take appropriate measures. The system aims to respond quickly to changes in the economic and social environment and support users in making decisions to mitigate future risks.

[0648] As a concrete example, consider the case where a user enters, "I plan to purchase a home for 30 million yen in 2026." This information is sent to the server, properly formatted, and saved. The server's AI model predicts the balance of income, expenses, and savings from 2024 to 2026, predicting that "annual expenses will increase by 20% due to the birth of a child, while income will not change significantly, resulting in a decrease in savings." This prediction is sent to the user's device, where the user can view it via their smartwatch.

[0649] Example prompt sentence:

[0650] Input data:

[0651] Current income: 500,000 yen

[0652] Current expenses: 200,000 yen

[0653] Savings: 1,000,000 yen

[0654] Future events: Birth of second child in 2024, purchase of a home (30 million yen) in 2026

[0655] question:

[0656] It takes into account economic data from the past three years to make projections for household finances through 2026.

[0657] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0658] Step 1:

[0659] Users use smart devices to input information about their financial situation and future plans. Input data includes income, expenses, savings, and future life events (e.g., buying a home or having a child). This information is input through an interactive interface. Specific examples of input include "I plan to have my second child in 2024" and "I plan to purchase a home for 30 million yen in 2026."

[0660] Step 2:

[0661] The terminal receives information input from the user in real time and sends it to the server. Before sending, the input data is formatted into an appropriate format, such as JSON, if necessary. The output is the formatted data, and the input is the raw data provided by the user.

[0662] Step 3:

[0663] The server validates the information it receives, converts it to the proper format, and stores it in a database. The validation process checks that the input data is not malformed or contains unwanted data. The output is the validated data, and the input is the formatted data sent from the terminal.

[0664] Step 4:

[0665] The server runs an AI model based on the user's financial situation and future plans stored in a database. The AI ​​model analyzes income and expenditure trends and predicts the balance of future income, expenditure, and savings. The input is the user information stored in the database, and the output is the predicted result. For example, the server predicts the "balance of income, expenditure, and savings from 2024 to 2026" and generates a result such as "annual expenditure will increase by 20% due to the birth of a child, and income will not change significantly, so savings will decrease."

[0666] Step 5:

[0667] The server monitors changes in social conditions and the economic environment and generates the latest forecasts. Monitoring is performed using APIs for economic news and market data to obtain the latest information. Based on this information, the AI ​​model is re-run to generate new forecasts. The input is economic news and market data, and the output is updated forecasts.

[0668] Step 6:

[0669] The latest forecast result is sent to the user's device and a notification is generated. For example, a notification such as "Consider bringing forward your 2026 home purchase plan" is generated. The input is the latest forecast result, and the output is the notification sent to the user's device.

[0670] Step 7:

[0671] The device receives the forecast results and notifications from the server and displays them to the user. The user can check the notifications on their smartwatch or smartphone to see the household forecast and recommended actions. For example, if the notification reads, "There is a possibility of a sudden rise in real estate prices, so we recommend that you bring your plans forward," the user can consider specific actions based on this.

[0672] Through these processing steps, users can receive real-time, up-to-date household forecasts and take appropriate actions to mitigate future risks.

[0673] 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.

[0674] This system aims to help users adapt to the ever-changing economic and social environment and maintain a comfortable household finances for the future. Furthermore, by combining this system with an emotion engine that recognizes the user's emotions, the system provides appropriate advice according to the user's psychological state.

[0675] Overall system configuration

[0676] 1. User input

[0677] The user launches an interactive interface and enters information about their current financial situation (income, expenses, savings) and future plans (life events, home purchase, children's education, etc.).

[0678] For example, you might enter information such as, "My second child is due in 2024," or "I plan to purchase a home worth 30 million yen in 2026."

[0679] 2. Sending and saving input data

[0680] The device temporarily stores the information entered by the user and sends it to the server, where it is formatted appropriately.

[0681] The server validates the information it receives and checks that it does not contain any invalid data.

[0682] The server stores the information in a database.

[0683] 3. Performing household forecasts

[0684] The server runs an AI model based on user information stored in a database to predict the balance of income, expenses, and savings.

[0685] For example, it generates predictions such as, "Expenses are expected to increase by approximately 20% annually between 2023 and 2026, while savings are expected to decline."

[0686] 4. Emotion Recognition by Emotion Engine

[0687] The server uses an emotion engine to analyze the user's emotions based on the user's input data and data collected from the interactive interface.

[0688] The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[0689] 5. Real-time updates and notifications

[0690] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions.

[0691] Based on the recognition results of the emotion engine, appropriate advice and notification content is tailored to the user.

[0692] For example, if a user is temporarily feeling anxious due to a sudden change in the economic situation, a reassuring notification such as "Let's wait and see for a while" will be generated.

[0693] 6. Notification and Information to Users

[0694] The device displays the prediction results and notifications received from the server to the user.

[0695] Through the app, users can view the latest household forecasts and sentiment-based recommendations.

[0696] Specific examples

[0697] 1. Enter information

[0698] User A enters the following information into the app: "My second child is due to be born in 2024" and "I plan to purchase a home for 30 million yen in 2026."

[0699] 2. Data transmission and storage

[0700] User A's input information is sent from the terminal to the server and stored in the database.

[0701] 3. Household forecast

[0702] The server runs an AI model based on the stored information to predict the "balance of income, expenses, and savings from 2024 to 2026."

[0703] For example, predict that "the birth of a child will increase annual expenses by 20% and decrease savings."

[0704] 4. Emotion recognition

[0705] The server uses user A's input data and information from the interactive interface to analyze user A's emotions using an emotion engine.

[0706] For example, the emotion engine recognizes that user A is feeling "anxiety."

[0707] 5. Real-time updates and notifications

[0708] If economic or social conditions change, for example if information is obtained that "a sharp rise in real estate prices is predicted," the server will generate a new prediction and send a notification to User A saying, "Consider bringing forward your home purchase plans."

[0709] Based on the analysis results of the emotion engine, it is determined that User A is feeling anxious, so a notification is generated stating, "Please rest assured that we will consider support measures to help you purchase a home."

[0710] 6. Information provision

[0711] User A checks the notification sent by the app and sees the household budget forecast and recommended actions based on emotions. Based on this, User A may reconsider their plan.

[0712] This allows users to accurately manage their household finances while maintaining their privacy and receiving appropriate advice based on their emotional state.

[0713] The processing flow will be explained below.

[0714] Step 1:

[0715] User input

[0716] The user launches an interactive interface and enters information about their current financial situation (e.g., income, expenses, savings) and future plans (e.g., marriage, childbirth, home purchase, etc.).

[0717] For example, a user might enter, "I plan to have a child in 2024" or "I plan to buy a home worth 30 million yen in 2026."

[0718] Step 2:

[0719] Data transmission by the terminal

[0720] The device temporarily stores data entered by the user.

[0721] The device formats the data appropriately and sends it to the server.

[0722] Step 3:

[0723] Receiving and storing data on the server

[0724] The server receives the data sent from the terminal.

[0725] The data received by the server is format-checked to verify that it does not contain invalid data.

[0726] The server stores the received information in a database.

[0727] Step 4:

[0728] Server-based household forecasting

[0729] The server runs the AI ​​model based on the user information stored in the database.

[0730] The server inputs user information into an AI model to predict the balance of income, expenses, and savings.

[0731] For example, it generates predictions such as, "Between 2023 and 2026, expenses are expected to increase by 20% annually and savings to decrease due to the birth of children."

[0732] Step 5:

[0733] Emotion recognition by emotion engine

[0734] The server uses an emotion engine to analyze the user's emotions based on the user's input data and data collected from the interactive interface.

[0735] The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[0736] Step 6:

[0737] Real-time updates from the server

[0738] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions.

[0739] Based on the recognition results of the emotion engine, notification content and advice are adjusted to match the user's emotional state.

[0740] For example, if a user is feeling anxious, a reassuring notification such as "Let's wait and see" will be generated.

[0741] Step 7:

[0742] Sending notifications from the server to the device

[0743] The latest prediction results generated by the server are sent to the terminal.

[0744] The server generates notifications containing important information and recommended actions and sends them to the device.

[0745] Step 8:

[0746] Receiving and displaying notifications on your device

[0747] The device receives the notification from the server and displays the notification content to the user.

[0748] For example, it could display a message like "Your savings are declining. Please reconsider your savings plan" or a reassuring notification like "Just wait and see."

[0749] Step 9:

[0750] User confirmation and action

[0751] The user checks the notifications and prediction results on the device.

[0752] Users can review their household plans as needed and enter new information into the system.

[0753] By following these steps, users can always keep track of their current household finances and take optimal measures according to their emotional state.

[0754] Example 2

[0755] 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."

[0756] Conventional household management systems only manage basic financial information such as users' income, expenses, and savings, making it difficult to reflect changes in economic and social circumstances in real time. Furthermore, they are unable to provide appropriate advice based on the user's emotional state, which can lead to stress and anxiety for users.

[0757] 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.

[0758] In this invention, the server includes means for a user to input information about their financial situation and future plans using an interactive interface, means for receiving the information input by the user, verifying the format, and saving it in a database, means for running an AI model that predicts future income and expenses based on the saved information, means for monitoring changes in social conditions and the economic environment and generating the latest predictions, means for sending the generated prediction results to a user terminal and notifying them, means for analyzing the user's emotional state using an emotion engine, and means for adjusting appropriate advice and notification content based on the user's emotional state. This makes it possible to reflect changes in the economic situation and social environment in real time and provide appropriate advice according to the user's emotional state.

[0759] An "interactive interface" is an interactive input means used by a user to input information.

[0760] "Financial Status" is information about a user's income, expenses, and savings.

[0761] "Future plans" is information about life events and major expenditures that the user plans to make in the future.

[0762] A "server" is a computer system that receives, stores, and processes information from users.

[0763] A "database" is a system for organizing and managing stored information.

[0764] An "AI model" is an algorithm that uses machine learning and artificial intelligence technology to predict future income and expenses.

[0765] "Social conditions and economic environment" refers to information related to society and the economy, such as economic indicators and news.

[0766] An "emotion engine" is a software technology for analyzing a user's emotional state.

[0767] The "user's emotional state" refers to the psychological state, such as stress, anxiety, or relief, that the user is currently experiencing.

[0768] "Appropriate advice" is advice that helps users take appropriate action for their current situation and future.

[0769] "Notification" is a means of informing the user of prediction results and advice generated by the server.

[0770] "Monitoring" refers to the continuous observation and surveillance of changes in social conditions and the economic environment.

[0771] This system aims to help users adapt to the ever-changing economic and social environment and maintain a comfortable household finances for the future. Furthermore, by combining this system with an emotion engine that recognizes the user's emotions, the system provides appropriate advice according to the user's psychological state.

[0772] Overall system configuration

[0773] The system consists of the following main components:

[0774] 1. User input

[0775] Users launch an interactive interface and input information about their current financial situation (income, expenses, savings) and future plans (life events, home purchase, children's education, etc.) For example, they can input information such as "I plan to have my second child in 2024" or "I plan to purchase a home for 30 million yen in 2026."

[0776] 2. Sending and saving input data

[0777] The device temporarily stores the information entered by the user and sends it to the server. At this time, the data is converted into the appropriate format. The server verifies the received information and checks for any invalid data. The verified data is then stored in the server's database.

[0778] 3. Performing household forecasts

[0779] The server runs an AI model based on user information stored in a database to predict the balance of income, expenses, and savings. For example, it generates a prediction such as, "Expenses are expected to increase by approximately 20% annually between 2023 and 2026, while savings are expected to decrease." The AI ​​model uses machine learning frameworks such as TensorFlow and PyTorch.

[0780] 4. Emotion Recognition by Emotion Engine

[0781] The server uses an emotion engine to analyze the user's emotions based on the user's input data and data collected from the conversational interface. The emotion engine uses, for example, IBM Watson's emotion analysis API. The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[0782] 5. Real-time updates and notifications

[0783] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions. Based on the recognition results of the emotion engine, the system tailors appropriate advice and notifications to the user. For example, if a user is temporarily feeling anxious due to a sudden change in the economic situation, it generates a reassuring notification such as "Let's wait and see for a while."

[0784] 6. Notification and Information to Users

[0785] The device receives the forecast results and notifications from the server and displays them to the user, who can then view the latest household forecasts and recommended actions based on their emotions through the app.

[0786] Specific examples

[0787] 1. Enter information

[0788] User A enters the following information into the app: "My second child is due to be born in 2024" and "I plan to purchase a home for 30 million yen in 2026."

[0789] 2. Data transmission and storage

[0790] User A's input information is sent from the terminal to the server and stored in the database.

[0791] 3. Household forecast

[0792] The server runs an AI model based on the stored information to predict the balance of income, expenses, and savings from 2024 to 2026. For example, it predicts that annual expenses will increase by 20% and savings will decrease with the birth of a child.

[0793] 4. Emotion recognition

[0794] The server uses the input data of user A and information from the interactive interface to analyze the emotions of user A using an emotion engine. For example, the emotion analysis recognizes that user A is feeling "anxiety."

[0795] 5. Real-time updates and notifications

[0796] If economic or social conditions change, for example if information is obtained that "real estate prices are predicted to rise sharply," the server generates a new prediction and sends a notification to User A saying, "Please consider bringing forward your home purchase plans." Also, since User A is feeling anxious, a notification is generated saying, "Please rest assured that we will consider support measures for home purchases."

[0797] 6. Information provision

[0798] User A checks the notification sent by the app and sees the household budget forecast and the recommended actions based on their emotions. Based on this, User A may reconsider their plan.

[0799] These steps allow users to maintain their privacy while accurately managing their finances and receiving appropriate advice based on their emotional state.

[0800] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0801] Step 1:

[0802] The user launches an application.

[0803] Input: A user taps or clicks an application icon on their phone or computer.

[0804] What happens: The application launches and displays an interactive interface.

[0805] Output: The user is presented with the initial application screen and is prompted to enter further information.

[0806] Step 2:

[0807] The user enters information about their financial situation and future plans using an interactive interface.

[0808] Input: The user enters information into an interactive interface about income, expenses, savings, and life events (e.g., "I plan to have my second child in 2024" or "I plan to purchase a home for $300,000 in 2026").

[0809] What happens: The user enters information into an input field and clicks the "Submit" button.

[0810] Output: The entered information is stored in the device's temporary memory.

[0811] Step 3:

[0812] The terminal sends the information entered by the user to the server.

[0813] Input: Information stored on your device after you click the "Submit" button.

[0814] Specific operation: The device converts the input information into JSON format and sends an HTTP POST request to the server's API endpoint.

[0815] Output: The server receives the data in JSON format.

[0816] Step 4:

[0817] The server validates the received information and stores it in a database.

[0818] Input: JSON format data sent from the terminal.

[0819] What happens: The server validates the data format and content, checks for invalid data, and saves data that passes validation to the MySQL database.

[0820] Output: Validated data is stored in a database.

[0821] Step 5:

[0822] The server runs an AI model based on user information stored in a database to make household forecasts.

[0823] Input: User information stored in the database.

[0824] Specific operation: The server executes a query such as "SELECT FROM User_Info WHERE UserID = 'xxx'" to retrieve data and input it into the AI ​​model.

[0825] Output: The AI ​​model generates a forecast of your income, expenses, and savings balance.

[0826] Step 6:

[0827] The server uses an emotion engine to analyze the user's emotional state.

[0828] Input: Data entered by the user or collected from an interactive interface.

[0829] Specific operation: The server calls an emotion engine (e.g., IBM Watson's emotion analysis API) and analyzes the user's emotion data.

[0830] Output: The user's emotional state (e.g., anxious, relieved) returned by the emotion engine.

[0831] Step 7:

[0832] The server monitors changes in social and economic conditions and re-runs the AI ​​model to generate the latest predictions.

[0833] Input: Latest economic data and information on social conditions.

[0834] What it does: The server periodically retrieves new data through the API and re-inputs it into the AI ​​model.

[0835] Output: Updated household forecast results.

[0836] Step 8:

[0837] The server tailors appropriate advice and notifications to users based on the generated predictions and sentiment analysis results.

[0838] Input: Household forecast results and sentiment analysis results.

[0839] Specific behavior: The server generates a notification message such as "Don't worry, we will consider ways to help you purchase a home."

[0840] Output: The generated notification message.

[0841] Step 9:

[0842] The device displays the prediction results and notifications received from the server to the user.

[0843] Input: The latest prediction result and notification message sent from the server.

[0844] Specific behavior: The device displays it to the user as a push notification or in-app message.

[0845] Output: The user can view the latest financial forecast and sentiment-based recommended actions through the app.

[0846] (Application example 2)

[0847] 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."

[0848] The current economic and social environment changes very rapidly, making it difficult for users to effectively manage their own household finances and prepare appropriately for future events. Furthermore, a user's psychological state and emotions can significantly affect household finances, but no system exists that provides advice that takes these into account. Therefore, it is necessary to propose a system that provides advice in real time based on the user's economic situation and individual psychological state, creating an environment in which users can manage their household finances with peace of mind.

[0849] 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 a user to input information about their financial situation and future plans using an interactive interface; means for receiving the information input by the user, verifying the format, and saving it in a database; means for executing an AI model that predicts future income and expenses based on the saved information; means for monitoring changes in social and economic conditions and generating updated predictions; means for sending and notifying the generated prediction results to a user terminal; an emotion engine that analyzes the user's emotions and generates appropriate advice based on the user's emotional state; and means for notifying real-time advice based on the user's latest economic situation and psychological state. This not only enables the user to accurately manage their household finances in response to changes in the economic and social environment, but also allows them to manage their household finances with peace of mind by receiving advice tailored to their emotional state.

[0850] An "interactive interface" is a user interface that allows a user to input information about their financial situation and future plans.

[0851] A "server" is a device or system that receives information entered by a user, validates the format, and stores it in a database.

[0852] An "AI model" is an artificial intelligence technology that predicts future income and expenses based on stored information.

[0853] "Means for monitoring changes in social conditions and the economic environment" refers to the function of continuously monitoring the latest economic data and social trends and updating forecasts based on them.

[0854] A "user terminal" is a device (e.g., a smartphone or tablet) that receives the generated prediction results and notifies the user.

[0855] An "emotion engine" is a system that analyzes a user's emotions and generates appropriate advice based on their emotional state.

[0856] "Means of notifying real-time advice" is a function that provides users with immediate advice based on the latest economic situation and the user's psychological state.

[0857] This system aims to help users adapt to the ever-changing economic and social environment and maintain a comfortable financial situation for the future. Furthermore, by combining this system with an emotion engine that recognizes the user's emotions, the system provides appropriate advice according to the user's psychological state.

[0858] Overall system flow:

[0859] 1. Enter your information:

[0860] Through an interactive interface, users input information about their financial situation and future plans, such as "I plan to have a second child in 2024" or "I plan to purchase a home worth 30 million yen in 2026."

[0861] 2. Data Receipt and Storage:

[0862] The server receives the information entered by the user, validates the format, and stores it in a database, where the data is formatted appropriately.

[0863] 3. Run household forecast:

[0864] The server runs an AI model based on the stored information to predict the user's future income and expenses, for example, predicting the balance of income, expenses, and savings from 2024 to 2026.

[0865] 4. Emotion recognition:

[0866] The server analyzes the user's emotions using an emotion engine based on the user's input data and data collected from the interactive interface. The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[0867] 5. Real-time updates and notifications:

[0868] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions. Furthermore, based on the results of the emotion engine's recognition, it tailors appropriate advice and notifications to the user. For example, if a user is feeling anxious due to a sudden change in the economic situation, it generates a reassuring notification such as "Let's wait and see for a while."

[0869] 6. User Notice and Information:

[0870] The user's device receives the forecast results and notifications from the server and displays them to the user. The user can then check the latest household forecasts and recommended actions based on their emotions through the app.

[0871] Example of a system:

[0872] User ID: user_12345

[0873] Input information: For example, "We plan to have our second child in 2024" or "We plan to purchase a home for 30 million yen in 2026."

[0874] Forecast data: For example, "The birth of a child will increase annual expenses by 20% and decrease savings."

[0875] Emotion Recognition: When the user feels "anxiety"

[0876] Notification content: For example, "Please rest assured that we will consider support measures to help you purchase a home."

[0877] Example prompt sentence:

[0878] Generate advice based on the user's emotional state. The user ID is "user_12345", and the future household forecast shows that annual expenses are expected to increase by 20%. The user's emotional state is "anxious". Notify this user of appropriate advice.

[0879] The system combines a smartphone app, server, database, AI model, emotion engine, and real-time notification system to provide an environment where users can manage their household finances with peace of mind. Specific hardware and software used include cloud infrastructure such as AWS and Google Cloud, notification services such as Firebase Cloud Messaging, and a dedicated emotion analysis engine and AI model.

[0880] This not only enables users to accurately manage their household finances in response to changes in the economic and social environment, but also allows them to receive appropriate support for their emotions.

[0881] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0882] Step 1:

[0883] The user uses an interactive interface to input information about their financial situation and future plans. For example, they might input, "I plan to have my second child in 2024," or "I plan to purchase a home worth 30 million yen in 2026." The input information is temporarily stored on the device.

[0884] Step 2:

[0885] The terminal sends the information entered by the user to the server, which then verifies the format of the received data and stores it in a database. At this time, the data is formatted properly and checked to see if it contains any invalid data.

[0886] Step 3:

[0887] The server runs an AI model based on the stored information to predict future income and expenses. The input is the user's financial situation and future plans, and the output is a predicted household financial situation. For example, it generates a result such as "expenses are expected to increase by approximately 20% annually between 2024 and 2026, and savings are expected to decrease."

[0888] Step 4:

[0889] The server runs an emotion engine based on input data and user interaction data to analyze the user's emotional state. The input is the user's input information and interaction data, and the output is the recognized emotional state (e.g., stress, anxiety, relief).

[0890] Step 5:

[0891] The server monitors changes in social and economic conditions in real time and re-runs the AI ​​model as needed to generate updated predictions. For example, if a sudden rise in real estate prices is predicted, a new household forecast is generated. The input is the latest economic data, and the output is the updated prediction.

[0892] Step 6:

[0893] The server generates appropriate advice and notifications based on the generated household forecast and the analysis results of the emotion engine. For example, if the user is feeling anxious, it generates a notification saying, "Please rest assured that we will consider support measures for purchasing a home." The input is the forecast result and emotional state, and the output is advice.

[0894] Step 7:

[0895] The server sends the generated notification to the user's device. The device displays the received notification to the user. The user can check the latest household forecast and recommended actions based on their emotions through the app. The input is the generated notification, and the output is the information displayed to the user.

[0896] Through these steps, users can accurately manage their household finances in response to changes in the economic and social environment, and receive appropriate advice according to their emotional state, allowing them to manage their household finances with peace of mind.

[0897] 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.

[0898] 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.

[0899] 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.

[0900] [Third embodiment]

[0901] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[0902] 5, the data processing system 310 includes the data processing device 12 and a headset type terminal 314. An example of the data processing device 12 is a server.

[0903] 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).

[0904] 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.

[0905] 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.

[0906] 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).

[0907] 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. 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.

[0908] 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.

[0909] 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.

[0910] 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.

[0911] 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.

[0912] 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."

[0913] This invention is a system that allows users to respond to daily changes in the economic and social environment and maintain a household financial situation that will not cause future problems.The system uses an interactive interface to input information about the user's financial situation and future plans, and based on that information, AI makes household financial forecasts and identifies risks and opportunities in real time.

[0914] Overall system configuration

[0915] 1. User input

[0916] Users use an interactive interface to input their current financial situation (income, expenses, savings) and future plans (life events, home purchase, children's education, etc.).

[0917] For example, a user might enter information such as "I am expecting my second child in 2024" or "I plan to purchase a home for 30 million yen in 2026."

[0918] 2. Sending and saving input data

[0919] The device sends the information entered by the user to the server, where the data is converted into the appropriate format.

[0920] The server validates the information it receives and checks that it does not contain any invalid data.

[0921] The server saves the data that passes the validation in the database.

[0922] 3. Performing household forecasts

[0923] The server runs the AI ​​model based on user information stored in the database.

[0924] The AI ​​model predicts the balance of income, expenses, and savings based on the user's current situation and future aspirations.

[0925] For example, generate a forecast that shows spending increasing by about 20% per year between 2024 and 2026, while income remains roughly constant, resulting in lower savings.

[0926] 4. Real-time updates and notifications

[0927] The server monitors changes in the economic and social environment, and when new information becomes available, it re-runs the AI ​​model to generate updated forecasts.

[0928] The latest forecast results generated are sent to the user's device in real time and notifications are sent.

[0929] For example, a sudden change in economic conditions could generate a notification saying, "You need to reconsider your 2026 home purchase plans."

[0930] 5. Providing information to users

[0931] The device displays the prediction results and notifications received from the server to the user.

[0932] Through the app, users can view the latest household forecasts and recommended actions.

[0933] Specific examples

[0934] 1. Enter information

[0935] User A enters into the app, "My second child will be born in 2024" and "I plan to purchase a house for 30 million yen in 2026."

[0936] 2. Data transmission and storage

[0937] User A's input information is sent from the terminal to the server and stored in the database.

[0938] 3. Household forecast

[0939] The server runs an AI model based on the stored information to predict the "balance of income, expenses, and savings from 2024 to 2026."

[0940] The AI ​​model predicts that "the birth of a child will increase annual expenses by 20%, while income will remain largely unchanged, resulting in a decrease in savings."

[0941] 4. Real-time updates and notifications

[0942] If economic or social conditions change, for example if information is obtained that "real estate prices are predicted to rise sharply in 2025," the server will generate a new prediction and send a notification to User A saying, "Consider bringing forward your home purchase plans."

[0943] 5. Providing information to users

[0944] User A checks the notification in the app and sees the household budget forecast and recommended actions, which may lead to User A revising their plan.

[0945] This allows users to accurately manage their household finances while maintaining their privacy and making real-time decisions to mitigate future risks.

[0946] The processing flow will be explained below.

[0947] Step 1:

[0948] User input

[0949] The user launches an interactive interface and enters information about their current financial situation (e.g., income, expenses, savings) and future plans (e.g., marriage, childbirth, home purchase, etc.).

[0950] For example, a user might enter, "I plan to have a child in 2024" or "I plan to buy a home worth 30 million yen in 2026."

[0951] Step 2:

[0952] Data transmission by the terminal

[0953] The device receives the data entered by the user and temporarily stores it.

[0954] The device formats the data appropriately and sends it to the server.

[0955] Step 3:

[0956] Receiving and storing data on the server

[0957] The server receives the data sent from the terminal.

[0958] The data received by the server is format-checked to verify that it does not contain invalid data.

[0959] The server stores the received information in a database.

[0960] Step 4:

[0961] Server-based household forecasting

[0962] The server runs the AI ​​model based on the user information stored in the database.

[0963] The server inputs user information into an AI model to predict the balance of income, expenses, and savings.

[0964] For example, it generates predictions such as, "Between 2023 and 2026, expenses are expected to increase by 20% annually and savings to decrease due to the birth of children."

[0965] Step 5:

[0966] Real-time updates from the server

[0967] The server monitors changes in social conditions and the economic environment.

[0968] If there are changes in social conditions or the economic environment, the AI ​​model is re-run based on the new information to generate the latest predictions.

[0969] For example, based on a sudden change in economic conditions, the forecast could be updated to a message saying, "Consider bringing forward your home purchase plans."

[0970] Step 6:

[0971] Sending notifications from the server to the device

[0972] The latest prediction results generated by the server are sent to the terminal.

[0973] The server generates notifications containing important information and recommended actions and sends them to the device.

[0974] Step 7:

[0975] Receiving and displaying notifications on your device

[0976] The terminal receives the notification from the server.

[0977] The device displays the notification received to the user.

[0978] For example, a message such as "Your savings are declining. Please reconsider your savings plan" may be displayed.

[0979] Step 8:

[0980] User confirmation and action

[0981] The user checks the notifications and prediction results on the device.

[0982] Users can review their household plans as needed and enter new information into the system.

[0983] By following these steps, users can always keep track of their household finances and take the most appropriate measures.

[0984] Example 1

[0985] 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."

[0986] In today's complex economic and social environment, it is difficult for individual users to accurately predict their future household finances and take appropriate measures. Advanced analysis is particularly necessary to forecast household finances based on life events and major financial plans. However, traditional methods make it difficult to accurately and quickly collect the necessary information and communicate future risks and opportunities to users in a timely manner. This can prevent users from optimally managing their household finances and potentially prevent them from responding to future risks.

[0987] 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.

[0988] In this invention, the server includes a means for a user to input information about their asset status and future plans using an interactive interface, a device that receives the information input by the user, formats it appropriately, and stores it in a database, a device that runs a generative AI model based on the stored information to predict future income and expenses, a device that monitors changes in social conditions and the economic environment and generates the latest forecasts in real time, and a device that transmits the generated forecast results to a user terminal and notifies them. This enables users to receive accurate household forecasts in real time based on the information they input, enabling them to respond quickly to future risks and opportunities.

[0989] An "interactive interface" is a user interface that allows a user to input information into a system in real time and receive a response from the system.

[0990] "Asset status" refers to the user's financial situation, including current income, expenses, and savings.

[0991] "Future planning" refers to plans for life events and large expenditures (such as buying a home or paying for a child's education) that the user is planning.

[0992] "Format" refers to the rules and structure used to store, transmit, and process data, and is necessary to ensure data consistency and accuracy.

[0993] "Database" means a system for systematically collecting and managing received and stored data.

[0994] A "generative AI model" is an artificial intelligence algorithm that predicts future economic conditions based on incoming data.

[0995] "Social conditions" refers to the economic, political, cultural, and other conditions of society as a whole, and are factors that influence household financial decisions.

[0996] The "economic environment" refers to the overall state of the economy and includes economic indicators such as prices, interest rates, and employment rates.

[0997] "Real-time" refers to a state in which data is processed and reflected immediately after it is generated.

[0998] "Prediction results" are predictive data such as future income, expenses, and savings calculated by the generative AI model.

[0999] "Notifications" are messages or alerts sent by the system to inform users of information.

[1000] "User terminal" refers to a device (e.g., smartphone, computer, etc.) used by a user to operate this system.

[1001] This invention is a system that allows users to respond to daily changes in the economic and social environment and maintain a household financial situation that will not cause future problems.The system uses an interactive interface to allow users to input information about their asset status and future plans, and a generative AI model based on that information predicts household finances and identifies risks and opportunities in real time.

[1002] User input

[1003] Users access an interactive interface using a device such as a smartphone or computer. The system begins to operate when the user inputs information about their current financial situation (income, expenses, savings) and future plans (life events and large-scale spending plans). For example, a user might input specific information such as "I plan to have my second child in 2024" or "I plan to purchase a home for 30 million yen in 2026."

[1004] Data transmission and storage

[1005] The terminal converts the information entered by the user into an appropriate format (for example, JSON format) and sends it to the server. The server verifies the received data, checks whether it contains any invalid data, and then stores it in a database.

[1006] Running a household forecast

[1007] The server runs a generative AI model based on the user's information stored in the database. This AI model predicts the balance of income, expenses, and savings based on the user's current and future aspirations. For example, it predicts that "expenses will increase by approximately 20% annually between 2024 and 2026, while income will remain roughly constant, resulting in a decrease in savings."

[1008] Real-time updates and notifications

[1009] The server monitors changes in the economic and social environment, and when new information becomes available, it re-runs the AI ​​model to generate the latest forecast. The server then sends the latest forecast results to the user's device in real time and notifies them. For example, if there is a sudden change in the economic situation, a notification may be generated that says, "You need to reconsider your home purchase plans for 2026."

[1010] Providing information to users

[1011] The device receives the forecast results and notifications from the server and displays them to the user. Users can check the latest household forecasts and recommended actions through the app, and can review their plans based on this information.

[1012] Specific examples

[1013] 1. Enter information

[1014] User A enters into the app, "My second child will be born in 2024" and "I plan to purchase a house for 30 million yen in 2026."

[1015] 2. Data transmission and storage

[1016] The information entered by User A is sent from the terminal to the server and stored in the database.

[1017] 3. Household forecast

[1018] The server runs an AI model based on the stored information to predict the "balance of income, expenses, and savings from 2024 to 2026."

[1019] For example, the AI ​​model predicts that the birth of a child will increase annual expenses by 20%, while income will remain largely unchanged, resulting in a decrease in savings.

[1020] 4. Real-time updates and notifications

[1021] If economic or social conditions change, for example, if information is obtained that "real estate prices are predicted to rise sharply in 2025," the server will generate a new prediction and send a notification to User A saying, "Please consider bringing forward your home purchase plans."

[1022] 5. Providing information to users

[1023] User A checks the notification in the app and sees the household budget forecast and recommended actions. Based on this, User A may revise their plan.

[1024] Prompt Sentence Examples

[1025] "We are expecting our second child in 2024 and are planning to purchase a home for 30 million yen in 2026. Please forecast our household finances from 2024 to 2026 based on these conditions."

[1026] "Do changing economic conditions require you to reconsider your 2026 home buying plans?"

[1027] In this way, the system of the present invention allows users to maintain privacy while accurately managing their household finances and making real-time decisions to mitigate future risks.

[1028] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1029] Step 1:

[1030] The user enters information using an interactive interface.

[1031] Input: User's current financial situation (income, expenses, savings) and future plans (life events, large-scale spending plans)

[1032] Specific operation: A user enters data such as "My second child will be born in 2024" or "I plan to purchase a house for 30 million yen in 2026" into an input form on a smartphone or computer application and presses the "Submit" button.

[1033] Output: The input information is temporarily stored in the device's memory.

[1034] Step 2:

[1035] The terminal converts the input information into an appropriate format and sends it to the server.

[1036] Input: Raw information entered by the user

[1037] Data processing / calculation: Converts the information entered on the device into an appropriate format such as JSON.

[1038] Specific operation: The terminal formats the data "Income: 1 million yen," "Expenses: 700,000 yen," and "Future plans: Purchase a house for 30 million yen" into JSON format, generates an HTTP request, and sends it to the server.

[1039] Output: The formatted data is sent to the server.

[1040] Step 3:

[1041] The server validates the received data and stores it in a database.

[1042] Input: Formatted data sent from the terminal

[1043] Data processing / calculation: The server checks the format and value range of the received data and eliminates invalid data.

[1044] Specific operation: The server receives the data, checks the format and value range, and inserts valid data into the database using an SQL query. If there is a mismatch, an error message is returned to the terminal.

[1045] Output: The correct data is saved in the database.

[1046] Step 4:

[1047] The server runs the generated AI model and makes household forecasts.

[1048] Input: Good data stored in the database

[1049] Data processing / calculation: The server retrieves the necessary data from the database and creates and inputs prompt statements to the generative AI model.

[1050] Specific operation: The server sends the prompt statement "We are planning to have a second child in 2024 and purchase a house for 30 million yen in 2026. Please predict our household finances from 2024 to 2026 under these conditions" to the generation AI model, and the AI ​​model performs calculations and returns the predicted results.

[1051] Output: Predictions from the generative AI model

[1052] Step 5:

[1053] The server sends the prediction results to the user's device and notifies them.

[1054] Input: Prediction results returned by the generative AI model

[1055] Data processing / calculation: Formatting the prediction results into notification format

[1056] Specific behavior: The server creates a notification message such as "You should reconsider your home purchase plans for 2026" and sends a push notification to the user's device via the HTTP protocol.

[1057] Output: Informational messages are displayed on the user's terminal.

[1058] Step 6:

[1059] Users can view prediction results and notifications through the app.

[1060] Input: Notification message

[1061] What happens: The user opens the app and clicks the notification banner to see detailed prediction results and recommended actions.

[1062] Output: A display showing the latest household forecast and recommended actions.

[1063] (Application example 1)

[1064] 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."

[1065] In modern society, economic and social conditions fluctuate daily, making it extremely difficult to manage personal finances. Furthermore, manually managing finances requires time and effort, and there is a risk of missing future risks and opportunities. Given this background, there is a demand for systems that can predict income and expenses in real time and support future finance management. However, existing systems lack the ability to provide appropriate advice in real time based on the user's financial situation and future plans. Furthermore, there are issues with low user convenience due to the limited intuitive interface and availability via smart devices.

[1066] 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.

[1067] In this invention, the server includes: a means for a user to input information about their financial situation and future plans using an interactive interface; a means for receiving the information input by the user, validating its format, and storing it in a database; a means for running an AI model that predicts future income and expenses based on the stored information; a means for monitoring changes in social and economic conditions and generating updated forecasts; a means for sending and notifying the generated forecast results to a user terminal; and a means for the user to check the input information and the latest household forecast via a smartwatch or smart device. This allows users to easily input information through an intuitive interface and receive the latest household forecasts and recommended actions in real time. Furthermore, using a smart device makes it easy to manage household finances anytime, anywhere, and enables quick response to changes in the economic and social environment.

[1068] An "interactive interface" is a specialized interface that allows a user to directly interact with a system through input and operation.

[1069] "Financial Status" shows the overall picture of the user's current assets and liabilities, including cash, savings, investments, and debts.

[1070] "Future plans" are plans for important life events and expenses that the user is planning, such as buying a house or children's education.

[1071] "Server means" refers to a server having the functionality to receive information entered by a user, validate the format appropriately, and store the information in a database.

[1072] The "AI model" is an artificial intelligence model that predicts future income and expenses based on saved user information and generates advice for optimal household management.

[1073] "Monitoring" refers to the process of continuously observing changes in social and economic conditions and generating new predictions.

[1074] The "notification means" is a part of the system that immediately transmits the generated prediction results to the user terminal and notifies them.

[1075] A "user terminal" is an electronic device, such as a smartphone or PC, that a user operates to interact with the system.

[1076] A "smart device" is an electronic device (e.g., smartwatch, tablet) that has Internet connectivity and allows users to directly input and check information.

[1077] "Household finances forecast" is the process of predicting the future balance of income, expenses, and savings based on the user's current financial situation and future plans.

[1078] "Recommended actions" are specific actions or measures suggested to users based on their predicted household financial situation.

[1079] "Real-time updates" means that the system is updated to reflect the latest information as soon as the data changes.

[1080] The present invention is a system that uses an interactive interface to input information about a user's financial situation and future plans, and based on that information, predicts future income and expenses and provides the user with appropriate advice. The system includes the following components and functions:

[1081] First, an interactive interface provides users with a means to input information about their financial situation (income, expenses, savings) and future life events (e.g., buying a home, having a child). For example, users can easily input this information via a smartwatch or smartphone. This information is then appropriately formatted and sent to a server.

[1082] The server verifies the received information, converts it into the appropriate format, and stores it in a database. At this time, it checks to see if it contains any invalid data. A general cloud server can be used as the server. For example, services such as Amazon Web Services (AWS) or Google Cloud Platform (GCP) can be used.

[1083] Next, there is a way to run an AI model based on the stored data. This AI model analyzes the user's income and spending trends and predicts the balance of future income, expenses, and savings. This model is run using programming languages ​​such as Python and utilizing machine learning libraries such as TensorFlow and PyTorch. For example, based on the information a user enters, "I will have my second child in 2024," it can predict how much their expenses will increase.

[1084] The server also has a means of monitoring changes in social and economic conditions. For example, this can be achieved by using APIs for economic news and market data to obtain the latest information, rerunning the AI ​​model to generate the latest predictions. The generated prediction results are then sent to the user's device in real time and used as notifications. For example, a user planning to purchase a home might be notified that "real estate prices are likely to rise sharply, so we recommend that you bring your plans forward."

[1085] By using a smart device, users can check the latest household forecasts in real time, anytime and anywhere, and take appropriate measures. The system aims to respond quickly to changes in the economic and social environment and support users in making decisions to mitigate future risks.

[1086] As a concrete example, consider the case where a user enters, "I plan to purchase a home for 30 million yen in 2026." This information is sent to the server, properly formatted, and saved. The server's AI model predicts the balance of income, expenses, and savings from 2024 to 2026, predicting that "annual expenses will increase by 20% due to the birth of a child, while income will not change significantly, resulting in a decrease in savings." This prediction is sent to the user's device, where the user can view it via their smartwatch.

[1087] Example prompt sentence:

[1088] Input data:

[1089] Current income: 500,000 yen

[1090] Current expenses: 200,000 yen

[1091] Savings: 1,000,000 yen

[1092] Future events: Birth of second child in 2024, purchase of a home (30 million yen) in 2026

[1093] question:

[1094] It takes into account economic data from the past three years to make projections for household finances through 2026.

[1095] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1096] Step 1:

[1097] Users use smart devices to input information about their financial situation and future plans. Input data includes income, expenses, savings, and future life events (e.g., buying a home or having a child). This information is input through an interactive interface. Specific examples of input include "I plan to have my second child in 2024" and "I plan to purchase a home for 30 million yen in 2026."

[1098] Step 2:

[1099] The terminal receives information input from the user in real time and sends it to the server. Before sending, the input data is formatted into an appropriate format, such as JSON, if necessary. The output is the formatted data, and the input is the raw data provided by the user.

[1100] Step 3:

[1101] The server validates the information it receives, converts it to the proper format, and stores it in a database. The validation process checks that the input data is not malformed or contains unwanted data. The output is the validated data, and the input is the formatted data sent from the terminal.

[1102] Step 4:

[1103] The server runs an AI model based on the user's financial situation and future plans stored in a database. The AI ​​model analyzes income and expenditure trends and predicts the balance of future income, expenditure, and savings. The input is the user information stored in the database, and the output is the predicted result. For example, the server predicts the "balance of income, expenditure, and savings from 2024 to 2026" and generates a result such as "annual expenditure will increase by 20% due to the birth of a child, and income will not change significantly, so savings will decrease."

[1104] Step 5:

[1105] The server monitors changes in social conditions and the economic environment and generates the latest forecasts. Monitoring is performed using APIs for economic news and market data to obtain the latest information. Based on this information, the AI ​​model is re-run to generate new forecasts. The input is economic news and market data, and the output is updated forecasts.

[1106] Step 6:

[1107] The latest forecast result is sent to the user's device and a notification is generated. For example, a notification such as "Consider bringing forward your 2026 home purchase plan" is generated. The input is the latest forecast result, and the output is the notification sent to the user's device.

[1108] Step 7:

[1109] The device receives the forecast results and notifications from the server and displays them to the user. The user can check the notifications on their smartwatch or smartphone to see the household forecast and recommended actions. For example, if the notification reads, "There is a possibility of a sudden rise in real estate prices, so we recommend that you bring your plans forward," the user can consider specific actions based on this.

[1110] Through these processing steps, users can receive real-time, up-to-date household forecasts and take appropriate actions to mitigate future risks.

[1111] 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.

[1112] This system aims to help users adapt to the ever-changing economic and social environment and maintain a comfortable household finances for the future. Furthermore, by combining this system with an emotion engine that recognizes the user's emotions, the system provides appropriate advice according to the user's psychological state.

[1113] Overall system configuration

[1114] 1. User input

[1115] The user launches an interactive interface and enters information about their current financial situation (income, expenses, savings) and future plans (life events, home purchase, children's education, etc.).

[1116] For example, you might enter information such as, "My second child is due in 2024," or "I plan to purchase a home worth 30 million yen in 2026."

[1117] 2. Sending and saving input data

[1118] The device temporarily stores the information entered by the user and sends it to the server, where it is formatted appropriately.

[1119] The server validates the information it receives and checks that it does not contain any invalid data.

[1120] The server stores the information in a database.

[1121] 3. Performing household forecasts

[1122] The server runs an AI model based on user information stored in a database to predict the balance of income, expenses, and savings.

[1123] For example, it generates predictions such as, "Expenses are expected to increase by approximately 20% annually between 2023 and 2026, while savings are expected to decline."

[1124] 4. Emotion Recognition by Emotion Engine

[1125] The server uses an emotion engine to analyze the user's emotions based on the user's input data and data collected from the interactive interface.

[1126] The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[1127] 5. Real-time updates and notifications

[1128] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions.

[1129] Based on the recognition results of the emotion engine, appropriate advice and notification content is tailored to the user.

[1130] For example, if a user is temporarily feeling anxious due to a sudden change in the economic situation, a reassuring notification such as "Let's wait and see for a while" will be generated.

[1131] 6. Notification and Information to Users

[1132] The device displays the prediction results and notifications received from the server to the user.

[1133] Through the app, users can view the latest household forecasts and sentiment-based recommendations.

[1134] Specific examples

[1135] 1. Enter information

[1136] User A enters the following information into the app: "My second child is due to be born in 2024" and "I plan to purchase a home for 30 million yen in 2026."

[1137] 2. Data transmission and storage

[1138] User A's input information is sent from the terminal to the server and stored in the database.

[1139] 3. Household forecast

[1140] The server runs an AI model based on the stored information to predict the "balance of income, expenses, and savings from 2024 to 2026."

[1141] For example, predict that "the birth of a child will increase annual expenses by 20% and decrease savings."

[1142] 4. Emotion recognition

[1143] The server uses user A's input data and information from the interactive interface to analyze user A's emotions using an emotion engine.

[1144] For example, the emotion engine recognizes that user A is feeling "anxiety."

[1145] 5. Real-time updates and notifications

[1146] If economic or social conditions change, for example if information is obtained that "a sharp rise in real estate prices is predicted," the server will generate a new prediction and send a notification to User A saying, "Consider bringing forward your home purchase plans."

[1147] Based on the analysis results of the emotion engine, it is determined that User A is feeling anxious, so a notification is generated stating, "Please rest assured that we will consider support measures to help you purchase a home."

[1148] 6. Information provision

[1149] User A checks the notification sent by the app and sees the household budget forecast and recommended actions based on emotions. Based on this, User A may reconsider their plan.

[1150] This allows users to accurately manage their household finances while maintaining their privacy and receiving appropriate advice based on their emotional state.

[1151] The processing flow will be explained below.

[1152] Step 1:

[1153] User input

[1154] The user launches an interactive interface and enters information about their current financial situation (e.g., income, expenses, savings) and future plans (e.g., marriage, childbirth, home purchase, etc.).

[1155] For example, a user might enter, "I plan to have a child in 2024" or "I plan to buy a home worth 30 million yen in 2026."

[1156] Step 2:

[1157] Data transmission by the terminal

[1158] The device temporarily stores data entered by the user.

[1159] The device formats the data appropriately and sends it to the server.

[1160] Step 3:

[1161] Receiving and storing data on the server

[1162] The server receives the data sent from the terminal.

[1163] The data received by the server is format-checked to verify that it does not contain invalid data.

[1164] The server stores the received information in a database.

[1165] Step 4:

[1166] Server-based household forecasting

[1167] The server runs the AI ​​model based on the user information stored in the database.

[1168] The server inputs user information into an AI model to predict the balance of income, expenses, and savings.

[1169] For example, it generates predictions such as, "Between 2023 and 2026, expenses are expected to increase by 20% annually and savings to decrease due to the birth of children."

[1170] Step 5:

[1171] Emotion recognition by emotion engine

[1172] The server uses an emotion engine to analyze the user's emotions based on the user's input data and data collected from the interactive interface.

[1173] The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[1174] Step 6:

[1175] Real-time updates from the server

[1176] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions.

[1177] Based on the recognition results of the emotion engine, notification content and advice are adjusted to match the user's emotional state.

[1178] For example, if a user is feeling anxious, a reassuring notification such as "Let's wait and see" will be generated.

[1179] Step 7:

[1180] Sending notifications from the server to the device

[1181] The latest prediction results generated by the server are sent to the terminal.

[1182] The server generates notifications containing important information and recommended actions and sends them to the device.

[1183] Step 8:

[1184] Receiving and displaying notifications on your device

[1185] The device receives the notification from the server and displays the notification content to the user.

[1186] For example, it could display a message like "Your savings are declining. Please reconsider your savings plan" or a reassuring notification like "Just wait and see."

[1187] Step 9:

[1188] User confirmation and action

[1189] The user checks the notifications and prediction results on the device.

[1190] Users can review their household plans as needed and enter new information into the system.

[1191] By following these steps, users can always keep track of their current household finances and take optimal measures according to their emotional state.

[1192] Example 2

[1193] 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."

[1194] Conventional household management systems only manage basic financial information such as users' income, expenses, and savings, making it difficult to reflect changes in economic and social circumstances in real time. Furthermore, they are unable to provide appropriate advice based on the user's emotional state, which can lead to stress and anxiety for users.

[1195] 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.

[1196] In this invention, the server includes means for a user to input information about their financial situation and future plans using an interactive interface, means for receiving the information input by the user, verifying the format, and saving it in a database, means for running an AI model that predicts future income and expenses based on the saved information, means for monitoring changes in social conditions and the economic environment and generating the latest predictions, means for sending the generated prediction results to a user terminal and notifying them, means for analyzing the user's emotional state using an emotion engine, and means for adjusting appropriate advice and notification content based on the user's emotional state. This makes it possible to reflect changes in the economic situation and social environment in real time and provide appropriate advice according to the user's emotional state.

[1197] An "interactive interface" is an interactive input means used by a user to input information.

[1198] "Financial Status" is information about a user's income, expenses, and savings.

[1199] "Future plans" is information about life events and major expenditures that the user plans to make in the future.

[1200] A "server" is a computer system that receives, stores, and processes information from users.

[1201] A "database" is a system for organizing and managing stored information.

[1202] An "AI model" is an algorithm that uses machine learning and artificial intelligence technology to predict future income and expenses.

[1203] "Social conditions and economic environment" refers to information related to society and the economy, such as economic indicators and news.

[1204] An "emotion engine" is a software technology for analyzing a user's emotional state.

[1205] The "user's emotional state" refers to the psychological state, such as stress, anxiety, or relief, that the user is currently experiencing.

[1206] "Appropriate advice" is advice that helps users take appropriate action for their current situation and future.

[1207] "Notification" is a means of informing the user of prediction results and advice generated by the server.

[1208] "Monitoring" refers to the continuous observation and surveillance of changes in social conditions and the economic environment.

[1209] This system aims to help users adapt to the ever-changing economic and social environment and maintain a comfortable household finances for the future. Furthermore, by combining this system with an emotion engine that recognizes the user's emotions, the system provides appropriate advice according to the user's psychological state.

[1210] Overall system configuration

[1211] The system consists of the following main components:

[1212] 1. User input

[1213] Users launch an interactive interface and input information about their current financial situation (income, expenses, savings) and future plans (life events, home purchase, children's education, etc.) For example, they can input information such as "I plan to have my second child in 2024" or "I plan to purchase a home for 30 million yen in 2026."

[1214] 2. Sending and saving input data

[1215] The device temporarily stores the information entered by the user and sends it to the server. At this time, the data is converted into the appropriate format. The server verifies the received information and checks for any invalid data. The verified data is then stored in the server's database.

[1216] 3. Performing household forecasts

[1217] The server runs an AI model based on user information stored in a database to predict the balance of income, expenses, and savings. For example, it generates a prediction such as, "Expenses are expected to increase by approximately 20% annually between 2023 and 2026, while savings are expected to decrease." The AI ​​model uses machine learning frameworks such as TensorFlow and PyTorch.

[1218] 4. Emotion Recognition by Emotion Engine

[1219] The server uses an emotion engine to analyze the user's emotions based on the user's input data and data collected from the conversational interface. The emotion engine uses, for example, IBM Watson's emotion analysis API. The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[1220] 5. Real-time updates and notifications

[1221] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions. Based on the recognition results of the emotion engine, the system tailors appropriate advice and notifications to the user. For example, if a user is temporarily feeling anxious due to a sudden change in the economic situation, it generates a reassuring notification such as "Let's wait and see for a while."

[1222] 6. Notification and Information to Users

[1223] The device receives the forecast results and notifications from the server and displays them to the user, who can then view the latest household forecasts and recommended actions based on their emotions through the app.

[1224] Specific examples

[1225] 1. Enter information

[1226] User A enters the following information into the app: "My second child is due to be born in 2024" and "I plan to purchase a home for 30 million yen in 2026."

[1227] 2. Data transmission and storage

[1228] User A's input information is sent from the terminal to the server and stored in the database.

[1229] 3. Household forecast

[1230] The server runs an AI model based on the stored information to predict the balance of income, expenses, and savings from 2024 to 2026. For example, it predicts that annual expenses will increase by 20% and savings will decrease with the birth of a child.

[1231] 4. Emotion recognition

[1232] The server uses the input data of user A and information from the interactive interface to analyze the emotions of user A using an emotion engine. For example, the emotion analysis recognizes that user A is feeling "anxiety."

[1233] 5. Real-time updates and notifications

[1234] If economic or social conditions change, for example if information is obtained that "real estate prices are predicted to rise sharply," the server generates a new prediction and sends a notification to User A saying, "Please consider bringing forward your home purchase plans." Also, since User A is feeling anxious, a notification is generated saying, "Please rest assured that we will consider support measures for home purchases."

[1235] 6. Information provision

[1236] User A checks the notification sent by the app and sees the household budget forecast and the recommended actions based on their emotions. Based on this, User A may reconsider their plan.

[1237] These steps allow users to maintain their privacy while accurately managing their finances and receiving appropriate advice based on their emotional state.

[1238] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1239] Step 1:

[1240] The user launches an application.

[1241] Input: A user taps or clicks an application icon on their phone or computer.

[1242] What happens: The application launches and displays an interactive interface.

[1243] Output: The user is presented with the initial application screen and is prompted to enter further information.

[1244] Step 2:

[1245] The user enters information about their financial situation and future plans using an interactive interface.

[1246] Input: The user enters information into an interactive interface about income, expenses, savings, and life events (e.g., "I plan to have my second child in 2024" or "I plan to purchase a home for $300,000 in 2026").

[1247] What happens: The user enters information into an input field and clicks the "Submit" button.

[1248] Output: The entered information is stored in the device's temporary memory.

[1249] Step 3:

[1250] The terminal sends the information entered by the user to the server.

[1251] Input: Information stored on your device after you click the "Submit" button.

[1252] Specific operation: The device converts the input information into JSON format and sends an HTTP POST request to the server's API endpoint.

[1253] Output: The server receives the data in JSON format.

[1254] Step 4:

[1255] The server validates the received information and stores it in a database.

[1256] Input: JSON format data sent from the terminal.

[1257] What happens: The server validates the data format and content, checks for invalid data, and saves data that passes validation to the MySQL database.

[1258] Output: Validated data is stored in a database.

[1259] Step 5:

[1260] The server runs an AI model based on user information stored in a database to make household forecasts.

[1261] Input: User information stored in the database.

[1262] Specific operation: The server executes a query such as "SELECT FROM User_Info WHERE UserID = 'xxx'" to retrieve data and input it into the AI ​​model.

[1263] Output: The AI ​​model generates a forecast of your income, expenses, and savings balance.

[1264] Step 6:

[1265] The server uses an emotion engine to analyze the user's emotional state.

[1266] Input: Data entered by the user or collected from an interactive interface.

[1267] Specific operation: The server calls an emotion engine (e.g., IBM Watson's emotion analysis API) and analyzes the user's emotion data.

[1268] Output: The user's emotional state (e.g., anxious, relieved) returned by the emotion engine.

[1269] Step 7:

[1270] The server monitors changes in social and economic conditions and re-runs the AI ​​model to generate the latest predictions.

[1271] Input: Latest economic data and information on social conditions.

[1272] What it does: The server periodically retrieves new data through the API and re-inputs it into the AI ​​model.

[1273] Output: Updated household forecast results.

[1274] Step 8:

[1275] The server tailors appropriate advice and notifications to users based on the generated predictions and sentiment analysis results.

[1276] Input: Household forecast results and sentiment analysis results.

[1277] Specific behavior: The server generates a notification message such as "Don't worry, we will consider ways to help you purchase a home."

[1278] Output: The generated notification message.

[1279] Step 9:

[1280] The device displays the prediction results and notifications received from the server to the user.

[1281] Input: The latest prediction result and notification message sent from the server.

[1282] Specific behavior: The device displays it to the user as a push notification or in-app message.

[1283] Output: The user can view the latest financial forecast and sentiment-based recommended actions through the app.

[1284] (Application example 2)

[1285] 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."

[1286] The current economic and social environment changes very rapidly, making it difficult for users to effectively manage their own household finances and prepare appropriately for future events. Furthermore, a user's psychological state and emotions can significantly affect household finances, but no system exists that provides advice that takes these into account. Therefore, it is necessary to propose a system that provides advice in real time based on the user's economic situation and individual psychological state, creating an environment in which users can manage their household finances with peace of mind.

[1287] 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 a user to input information about their financial situation and future plans using an interactive interface; means for receiving the information input by the user, verifying the format, and saving it in a database; means for executing an AI model that predicts future income and expenses based on the saved information; means for monitoring changes in social and economic conditions and generating updated predictions; means for sending and notifying the generated prediction results to a user terminal; an emotion engine that analyzes the user's emotions and generates appropriate advice based on the user's emotional state; and means for notifying real-time advice based on the user's latest economic situation and psychological state. This not only enables the user to accurately manage their household finances in response to changes in the economic and social environment, but also allows them to manage their household finances with peace of mind by receiving advice tailored to their emotional state.

[1288] An "interactive interface" is a user interface that allows a user to input information about their financial situation and future plans.

[1289] A "server" is a device or system that receives information entered by a user, validates the format, and stores it in a database.

[1290] An "AI model" is an artificial intelligence technology that predicts future income and expenses based on stored information.

[1291] "Means for monitoring changes in social conditions and the economic environment" refers to the function of continuously monitoring the latest economic data and social trends and updating forecasts based on them.

[1292] A "user terminal" is a device (e.g., a smartphone or tablet) that receives the generated prediction results and notifies the user.

[1293] An "emotion engine" is a system that analyzes a user's emotions and generates appropriate advice based on their emotional state.

[1294] "Means of notifying real-time advice" is a function that provides users with immediate advice based on the latest economic situation and the user's psychological state.

[1295] This system aims to help users adapt to the ever-changing economic and social environment and maintain a comfortable financial situation for the future. Furthermore, by combining this system with an emotion engine that recognizes the user's emotions, the system provides appropriate advice according to the user's psychological state.

[1296] Overall system flow:

[1297] 1. Enter your information:

[1298] Through an interactive interface, users input information about their financial situation and future plans, such as "I plan to have a second child in 2024" or "I plan to purchase a home worth 30 million yen in 2026."

[1299] 2. Data Receipt and Storage:

[1300] The server receives the information entered by the user, validates the format, and stores it in a database, where the data is formatted appropriately.

[1301] 3. Run household forecast:

[1302] The server runs an AI model based on the stored information to predict the user's future income and expenses, for example, predicting the balance of income, expenses, and savings from 2024 to 2026.

[1303] 4. Emotion recognition:

[1304] The server analyzes the user's emotions using an emotion engine based on the user's input data and data collected from the interactive interface. The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[1305] 5. Real-time updates and notifications:

[1306] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions. Furthermore, based on the results of the emotion engine's recognition, it tailors appropriate advice and notifications to the user. For example, if a user is feeling anxious due to a sudden change in the economic situation, it generates a reassuring notification such as "Let's wait and see for a while."

[1307] 6. User Notice and Information:

[1308] The user's device receives the forecast results and notifications from the server and displays them to the user. The user can then check the latest household forecasts and recommended actions based on their emotions through the app.

[1309] Example of a system:

[1310] User ID: user_12345

[1311] Input information: For example, "We plan to have our second child in 2024" or "We plan to purchase a home for 30 million yen in 2026."

[1312] Forecast data: For example, "The birth of a child will increase annual expenses by 20% and decrease savings."

[1313] Emotion Recognition: When the user feels "anxiety"

[1314] Notification content: For example, "Please rest assured that we will consider support measures to help you purchase a home."

[1315] Example prompt sentence:

[1316] Generate advice based on the user's emotional state. The user ID is "user_12345", and the future household forecast shows that annual expenses are expected to increase by 20%. The user's emotional state is "anxious". Notify this user of appropriate advice.

[1317] The system combines a smartphone app, server, database, AI model, emotion engine, and real-time notification system to provide an environment where users can manage their household finances with peace of mind. Specific hardware and software used include cloud infrastructure such as AWS and Google Cloud, notification services such as Firebase Cloud Messaging, and a dedicated emotion analysis engine and AI model.

[1318] This not only enables users to accurately manage their household finances in response to changes in the economic and social environment, but also allows them to receive appropriate support for their emotions.

[1319] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1320] Step 1:

[1321] The user uses an interactive interface to input information about their financial situation and future plans. For example, they might input, "I plan to have my second child in 2024," or "I plan to purchase a home worth 30 million yen in 2026." The input information is temporarily stored on the device.

[1322] Step 2:

[1323] The terminal sends the information entered by the user to the server, which then verifies the format of the received data and stores it in a database. At this time, the data is formatted properly and checked to see if it contains any invalid data.

[1324] Step 3:

[1325] The server runs an AI model based on the stored information to predict future income and expenses. The input is the user's financial situation and future plans, and the output is a predicted household financial situation. For example, it generates a result such as "expenses are expected to increase by approximately 20% annually between 2024 and 2026, and savings are expected to decrease."

[1326] Step 4:

[1327] The server runs an emotion engine based on input data and user interaction data to analyze the user's emotional state. The input is the user's input information and interaction data, and the output is the recognized emotional state (e.g., stress, anxiety, relief).

[1328] Step 5:

[1329] The server monitors changes in social and economic conditions in real time and re-runs the AI ​​model as needed to generate updated predictions. For example, if a sudden rise in real estate prices is predicted, a new household forecast is generated. The input is the latest economic data, and the output is the updated prediction.

[1330] Step 6:

[1331] The server generates appropriate advice and notifications based on the generated household forecast and the analysis results of the emotion engine. For example, if the user is feeling anxious, it generates a notification saying, "Please rest assured that we will consider support measures for purchasing a home." The input is the forecast result and emotional state, and the output is advice.

[1332] Step 7:

[1333] The server sends the generated notification to the user's device. The device displays the received notification to the user. The user can check the latest household forecast and recommended actions based on their emotions through the app. The input is the generated notification, and the output is the information displayed to the user.

[1334] Through these steps, users can accurately manage their household finances in response to changes in the economic and social environment, and receive appropriate advice according to their emotional state, allowing them to manage their household finances with peace of mind.

[1335] 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.

[1336] 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.

[1337] 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.

[1338] [Fourth embodiment]

[1339] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[1340] 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.

[1341] 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).

[1342] 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.

[1343] 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.

[1344] 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).

[1345] 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. 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.

[1346] 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.

[1347] 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.

[1348] 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.

[1349] 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.

[1350] 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.

[1351] 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."

[1352] This invention is a system that allows users to respond to daily changes in the economic and social environment and maintain a household financial situation that will not cause future problems.The system uses an interactive interface to input information about the user's financial situation and future plans, and based on that information, AI makes household financial forecasts and identifies risks and opportunities in real time.

[1353] Overall system configuration

[1354] 1. User input

[1355] Users use an interactive interface to input their current financial situation (income, expenses, savings) and future plans (life events, home purchase, children's education, etc.).

[1356] For example, a user might enter information such as "I am expecting my second child in 2024" or "I plan to purchase a home for 30 million yen in 2026."

[1357] 2. Sending and saving input data

[1358] The device sends the information entered by the user to the server, where the data is converted into the appropriate format.

[1359] The server validates the information it receives and checks that it does not contain any invalid data.

[1360] The server saves the data that passes the validation in the database.

[1361] 3. Performing household forecasts

[1362] The server runs the AI ​​model based on user information stored in the database.

[1363] The AI ​​model predicts the balance of income, expenses, and savings based on the user's current situation and future aspirations.

[1364] For example, generate a forecast that shows spending increasing by about 20% per year between 2024 and 2026, while income remains roughly constant, resulting in lower savings.

[1365] 4. Real-time updates and notifications

[1366] The server monitors changes in the economic and social environment, and when new information becomes available, it re-runs the AI ​​model to generate updated forecasts.

[1367] The latest forecast results generated are sent to the user's device in real time and notifications are sent.

[1368] For example, a sudden change in economic conditions could generate a notification saying, "You need to reconsider your 2026 home purchase plans."

[1369] 5. Providing information to users

[1370] The device displays the prediction results and notifications received from the server to the user.

[1371] Through the app, users can view the latest household forecasts and recommended actions.

[1372] Specific examples

[1373] 1. Enter information

[1374] User A enters into the app, "My second child will be born in 2024" and "I plan to purchase a house for 30 million yen in 2026."

[1375] 2. Data transmission and storage

[1376] User A's input information is sent from the terminal to the server and stored in the database.

[1377] 3. Household forecast

[1378] The server runs an AI model based on the stored information to predict the "balance of income, expenses, and savings from 2024 to 2026."

[1379] The AI ​​model predicts that "the birth of a child will increase annual expenses by 20%, while income will remain largely unchanged, resulting in a decrease in savings."

[1380] 4. Real-time updates and notifications

[1381] If economic or social conditions change, for example if information is obtained that "real estate prices are predicted to rise sharply in 2025," the server will generate a new prediction and send a notification to User A saying, "Consider bringing forward your home purchase plans."

[1382] 5. Providing information to users

[1383] User A checks the notification in the app and sees the household budget forecast and recommended actions, which may lead to User A revising their plan.

[1384] This allows users to accurately manage their household finances while maintaining their privacy and making real-time decisions to mitigate future risks.

[1385] The processing flow will be explained below.

[1386] Step 1:

[1387] User input

[1388] The user launches an interactive interface and enters information about their current financial situation (e.g., income, expenses, savings) and future plans (e.g., marriage, childbirth, home purchase, etc.).

[1389] For example, a user might enter, "I plan to have a child in 2024" or "I plan to buy a home worth 30 million yen in 2026."

[1390] Step 2:

[1391] Data transmission by the terminal

[1392] The device receives the data entered by the user and temporarily stores it.

[1393] The device formats the data appropriately and sends it to the server.

[1394] Step 3:

[1395] Receiving and storing data on the server

[1396] The server receives the data sent from the terminal.

[1397] The data received by the server is format-checked to verify that it does not contain invalid data.

[1398] The server stores the received information in a database.

[1399] Step 4:

[1400] Server-based household forecasting

[1401] The server runs the AI ​​model based on the user information stored in the database.

[1402] The server inputs user information into an AI model to predict the balance of income, expenses, and savings.

[1403] For example, it generates predictions such as, "Between 2023 and 2026, expenses are expected to increase by 20% annually and savings to decrease due to the birth of children."

[1404] Step 5:

[1405] Real-time updates from the server

[1406] The server monitors changes in social conditions and the economic environment.

[1407] If there are changes in social conditions or the economic environment, the AI ​​model is re-run based on the new information to generate the latest predictions.

[1408] For example, based on a sudden change in economic conditions, the forecast could be updated to a message saying, "Consider bringing forward your home purchase plans."

[1409] Step 6:

[1410] Sending notifications from the server to the device

[1411] The latest prediction results generated by the server are sent to the terminal.

[1412] The server generates notifications containing important information and recommended actions and sends them to the device.

[1413] Step 7:

[1414] Receiving and displaying notifications on your device

[1415] The terminal receives the notification from the server.

[1416] The device displays the notification received to the user.

[1417] For example, a message such as "Your savings are declining. Please reconsider your savings plan" may be displayed.

[1418] Step 8:

[1419] User confirmation and action

[1420] The user checks the notifications and prediction results on the device.

[1421] Users can review their household plans as needed and enter new information into the system.

[1422] By following these steps, users can always keep track of their household finances and take the most appropriate measures.

[1423] Example 1

[1424] 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."

[1425] In today's complex economic and social environment, it is difficult for individual users to accurately predict their future household finances and take appropriate measures. Advanced analysis is particularly necessary to forecast household finances based on life events and major financial plans. However, traditional methods make it difficult to accurately and quickly collect the necessary information and communicate future risks and opportunities to users in a timely manner. This can prevent users from optimally managing their household finances and potentially prevent them from responding to future risks.

[1426] 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.

[1427] In this invention, the server includes a means for a user to input information about their asset status and future plans using an interactive interface, a device that receives the information input by the user, formats it appropriately, and stores it in a database, a device that runs a generative AI model based on the stored information to predict future income and expenses, a device that monitors changes in social conditions and the economic environment and generates the latest forecasts in real time, and a device that transmits the generated forecast results to a user terminal and notifies them. This enables users to receive accurate household forecasts in real time based on the information they input, enabling them to respond quickly to future risks and opportunities.

[1428] An "interactive interface" is a user interface that allows a user to input information into a system in real time and receive a response from the system.

[1429] "Asset status" refers to the user's financial situation, including current income, expenses, and savings.

[1430] "Future planning" refers to plans for life events and large expenditures (such as buying a home or paying for a child's education) that the user is planning.

[1431] "Format" refers to the rules and structure used to store, transmit, and process data, and is necessary to ensure data consistency and accuracy.

[1432] "Database" means a system for systematically collecting and managing received and stored data.

[1433] A "generative AI model" is an artificial intelligence algorithm that predicts future economic conditions based on incoming data.

[1434] "Social conditions" refers to the economic, political, cultural, and other conditions of society as a whole, and are factors that influence household financial decisions.

[1435] The "economic environment" refers to the overall state of the economy and includes economic indicators such as prices, interest rates, and employment rates.

[1436] "Real-time" refers to a state in which data is processed and reflected immediately after it is generated.

[1437] "Prediction results" are predictive data such as future income, expenses, and savings calculated by the generative AI model.

[1438] "Notifications" are messages or alerts sent by the system to inform users of information.

[1439] "User terminal" refers to a device (e.g., smartphone, computer, etc.) used by a user to operate this system.

[1440] This invention is a system that allows users to respond to daily changes in the economic and social environment and maintain a household financial situation that will not cause future problems.The system uses an interactive interface to allow users to input information about their asset status and future plans, and a generative AI model based on that information predicts household finances and identifies risks and opportunities in real time.

[1441] User input

[1442] Users access an interactive interface using a device such as a smartphone or computer. The system begins to operate when the user inputs information about their current financial situation (income, expenses, savings) and future plans (life events and large-scale spending plans). For example, a user might input specific information such as "I plan to have my second child in 2024" or "I plan to purchase a home for 30 million yen in 2026."

[1443] Data transmission and storage

[1444] The terminal converts the information entered by the user into an appropriate format (for example, JSON format) and sends it to the server. The server verifies the received data, checks whether it contains any invalid data, and then stores it in a database.

[1445] Running a household forecast

[1446] The server runs a generative AI model based on the user's information stored in the database. This AI model predicts the balance of income, expenses, and savings based on the user's current and future aspirations. For example, it predicts that "expenses will increase by approximately 20% annually between 2024 and 2026, while income will remain roughly constant, resulting in a decrease in savings."

[1447] Real-time updates and notifications

[1448] The server monitors changes in the economic and social environment, and when new information becomes available, it re-runs the AI ​​model to generate the latest forecast. The server then sends the latest forecast results to the user's device in real time and notifies them. For example, if there is a sudden change in the economic situation, a notification may be generated that says, "You need to reconsider your home purchase plans for 2026."

[1449] Providing information to users

[1450] The device receives the forecast results and notifications from the server and displays them to the user. Users can check the latest household forecasts and recommended actions through the app, and can review their plans based on this information.

[1451] Specific examples

[1452] 1. Enter information

[1453] User A enters into the app, "My second child will be born in 2024" and "I plan to purchase a house for 30 million yen in 2026."

[1454] 2. Data transmission and storage

[1455] The information entered by User A is sent from the terminal to the server and stored in the database.

[1456] 3. Household forecast

[1457] The server runs an AI model based on the stored information to predict the "balance of income, expenses, and savings from 2024 to 2026."

[1458] For example, the AI ​​model predicts that the birth of a child will increase annual expenses by 20%, while income will remain largely unchanged, resulting in a decrease in savings.

[1459] 4. Real-time updates and notifications

[1460] If economic or social conditions change, for example, if information is obtained that "real estate prices are predicted to rise sharply in 2025," the server will generate a new prediction and send a notification to User A saying, "Please consider bringing forward your home purchase plans."

[1461] 5. Providing information to users

[1462] User A checks the notification in the app and sees the household budget forecast and recommended actions. Based on this, User A may revise their plan.

[1463] Prompt Sentence Examples

[1464] "We are expecting our second child in 2024 and are planning to purchase a home for 30 million yen in 2026. Please forecast our household finances from 2024 to 2026 based on these conditions."

[1465] "Do changing economic conditions require you to reconsider your 2026 home buying plans?"

[1466] In this way, the system of the present invention allows users to maintain privacy while accurately managing their household finances and making real-time decisions to mitigate future risks.

[1467] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1468] Step 1:

[1469] The user enters information using an interactive interface.

[1470] Input: User's current financial situation (income, expenses, savings) and future plans (life events, large-scale spending plans)

[1471] Specific operation: A user enters data such as "My second child will be born in 2024" or "I plan to purchase a house for 30 million yen in 2026" into an input form on a smartphone or computer application and presses the "Submit" button.

[1472] Output: The input information is temporarily stored in the device's memory.

[1473] Step 2:

[1474] The terminal converts the input information into an appropriate format and sends it to the server.

[1475] Input: Raw information entered by the user

[1476] Data processing / calculation: Converts the information entered on the device into an appropriate format such as JSON.

[1477] Specific operation: The terminal formats the data "Income: 1 million yen," "Expenses: 700,000 yen," and "Future plans: Purchase a house for 30 million yen" into JSON format, generates an HTTP request, and sends it to the server.

[1478] Output: The formatted data is sent to the server.

[1479] Step 3:

[1480] The server validates the received data and stores it in a database.

[1481] Input: Formatted data sent from the terminal

[1482] Data processing / calculation: The server checks the format and value range of the received data and eliminates invalid data.

[1483] Specific operation: The server receives the data, checks the format and value range, and inserts valid data into the database using an SQL query. If there is a mismatch, an error message is returned to the terminal.

[1484] Output: The correct data is saved in the database.

[1485] Step 4:

[1486] The server runs the generated AI model and makes household forecasts.

[1487] Input: Good data stored in the database

[1488] Data processing / calculation: The server retrieves the necessary data from the database and creates and inputs prompt statements to the generative AI model.

[1489] Specific operation: The server sends the prompt statement "We are planning to have a second child in 2024 and purchase a house for 30 million yen in 2026. Please predict our household finances from 2024 to 2026 under these conditions" to the generation AI model, and the AI ​​model performs calculations and returns the predicted results.

[1490] Output: Predictions from the generative AI model

[1491] Step 5:

[1492] The server sends the prediction results to the user's device and notifies them.

[1493] Input: Prediction results returned by the generative AI model

[1494] Data processing / calculation: Formatting the prediction results into notification format

[1495] Specific behavior: The server creates a notification message such as "You should reconsider your home purchase plans for 2026" and sends a push notification to the user's device via the HTTP protocol.

[1496] Output: Informational messages are displayed on the user's terminal.

[1497] Step 6:

[1498] Users can view prediction results and notifications through the app.

[1499] Input: Notification message

[1500] What happens: The user opens the app and clicks the notification banner to see detailed prediction results and recommended actions.

[1501] Output: A display showing the latest household forecast and recommended actions.

[1502] (Application example 1)

[1503] 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."

[1504] In modern society, economic and social conditions fluctuate daily, making it extremely difficult to manage personal finances. Furthermore, manually managing finances requires time and effort, and there is a risk of missing future risks and opportunities. Given this background, there is a demand for systems that can predict income and expenses in real time and support future finance management. However, existing systems lack the ability to provide appropriate advice in real time based on the user's financial situation and future plans. Furthermore, there are issues with low user convenience due to the limited intuitive interface and availability via smart devices.

[1505] 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.

[1506] In this invention, the server includes: a means for a user to input information about their financial situation and future plans using an interactive interface; a means for receiving the information input by the user, validating its format, and storing it in a database; a means for running an AI model that predicts future income and expenses based on the stored information; a means for monitoring changes in social and economic conditions and generating updated forecasts; a means for sending and notifying the generated forecast results to a user terminal; and a means for the user to check the input information and the latest household forecast via a smartwatch or smart device. This allows users to easily input information through an intuitive interface and receive the latest household forecasts and recommended actions in real time. Furthermore, using a smart device makes it easy to manage household finances anytime, anywhere, and enables quick response to changes in the economic and social environment.

[1507] An "interactive interface" is a specialized interface that allows a user to directly interact with a system through input and operation.

[1508] "Financial Status" shows the overall picture of the user's current assets and liabilities, including cash, savings, investments, and debts.

[1509] "Future plans" are plans for important life events and expenses that the user is planning, such as buying a house or children's education.

[1510] "Server means" refers to a server having the functionality to receive information entered by a user, validate the format appropriately, and store the information in a database.

[1511] The "AI model" is an artificial intelligence model that predicts future income and expenses based on saved user information and generates advice for optimal household management.

[1512] "Monitoring" refers to the process of continuously observing changes in social and economic conditions and generating new predictions.

[1513] The "notification means" is a part of the system that immediately transmits the generated prediction results to the user terminal and notifies them.

[1514] A "user terminal" is an electronic device, such as a smartphone or PC, that a user operates to interact with the system.

[1515] A "smart device" is an electronic device (e.g., smartwatch, tablet) that has Internet connectivity and allows users to directly input and check information.

[1516] "Household finances forecast" is the process of predicting the future balance of income, expenses, and savings based on the user's current financial situation and future plans.

[1517] "Recommended actions" are specific actions or measures suggested to users based on their predicted household financial situation.

[1518] "Real-time updates" means that the system is updated to reflect the latest information as soon as the data changes.

[1519] The present invention is a system that uses an interactive interface to input information about a user's financial situation and future plans, and based on that information, predicts future income and expenses and provides the user with appropriate advice. The system includes the following components and functions:

[1520] First, an interactive interface provides users with a means to input information about their financial situation (income, expenses, savings) and future life events (e.g., buying a home, having a child). For example, users can easily input this information via a smartwatch or smartphone. This information is then appropriately formatted and sent to a server.

[1521] The server verifies the received information, converts it into the appropriate format, and stores it in a database. At this time, it checks to see if it contains any invalid data. A general cloud server can be used as the server. For example, services such as Amazon Web Services (AWS) or Google Cloud Platform (GCP) can be used.

[1522] Next, there is a way to run an AI model based on the stored data. This AI model analyzes the user's income and spending trends and predicts the balance of future income, expenses, and savings. This model is run using programming languages ​​such as Python and utilizing machine learning libraries such as TensorFlow and PyTorch. For example, based on the information a user enters, "I will have my second child in 2024," it can predict how much their expenses will increase.

[1523] The server also has a means of monitoring changes in social and economic conditions. For example, this can be achieved by using APIs for economic news and market data to obtain the latest information, rerunning the AI ​​model to generate the latest predictions. The generated prediction results are then sent to the user's device in real time and used as notifications. For example, a user planning to purchase a home might be notified that "real estate prices are likely to rise sharply, so we recommend that you bring your plans forward."

[1524] By using a smart device, users can check the latest household forecasts in real time, anytime and anywhere, and take appropriate measures. The system aims to respond quickly to changes in the economic and social environment and support users in making decisions to mitigate future risks.

[1525] As a concrete example, consider the case where a user enters, "I plan to purchase a home for 30 million yen in 2026." This information is sent to the server, properly formatted, and saved. The server's AI model predicts the balance of income, expenses, and savings from 2024 to 2026, predicting that "annual expenses will increase by 20% due to the birth of a child, while income will not change significantly, resulting in a decrease in savings." This prediction is sent to the user's device, where the user can view it via their smartwatch.

[1526] Example prompt sentence:

[1527] Input data:

[1528] Current income: 500,000 yen

[1529] Current expenses: 200,000 yen

[1530] Savings: 1,000,000 yen

[1531] Future events: Birth of second child in 2024, purchase of a home (30 million yen) in 2026

[1532] question:

[1533] It takes into account economic data from the past three years to make projections for household finances through 2026.

[1534] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1535] Step 1:

[1536] Users use smart devices to input information about their financial situation and future plans. Input data includes income, expenses, savings, and future life events (e.g., buying a home or having a child). This information is input through an interactive interface. Specific examples of input include "I plan to have my second child in 2024" and "I plan to purchase a home for 30 million yen in 2026."

[1537] Step 2:

[1538] The terminal receives information input from the user in real time and sends it to the server. Before sending, the input data is formatted into an appropriate format, such as JSON, if necessary. The output is the formatted data, and the input is the raw data provided by the user.

[1539] Step 3:

[1540] The server validates the information it receives, converts it to the proper format, and stores it in a database. The validation process checks that the input data is not malformed or contains unwanted data. The output is the validated data, and the input is the formatted data sent from the terminal.

[1541] Step 4:

[1542] The server runs an AI model based on the user's financial situation and future plans stored in a database. The AI ​​model analyzes income and expenditure trends and predicts the balance of future income, expenditure, and savings. The input is the user information stored in the database, and the output is the predicted result. For example, the server predicts the "balance of income, expenditure, and savings from 2024 to 2026" and generates a result such as "annual expenditure will increase by 20% due to the birth of a child, and income will not change significantly, so savings will decrease."

[1543] Step 5:

[1544] The server monitors changes in social conditions and the economic environment and generates the latest forecasts. Monitoring is performed using APIs for economic news and market data to obtain the latest information. Based on this information, the AI ​​model is re-run to generate new forecasts. The input is economic news and market data, and the output is updated forecasts.

[1545] Step 6:

[1546] The latest forecast result is sent to the user's device and a notification is generated. For example, a notification such as "Consider bringing forward your 2026 home purchase plan" is generated. The input is the latest forecast result, and the output is the notification sent to the user's device.

[1547] Step 7:

[1548] The device receives the forecast results and notifications from the server and displays them to the user. The user can check the notifications on their smartwatch or smartphone to see the household forecast and recommended actions. For example, if the notification reads, "There is a possibility of a sudden rise in real estate prices, so we recommend that you bring your plans forward," the user can consider specific actions based on this.

[1549] Through these processing steps, users can receive real-time, up-to-date household forecasts and take appropriate actions to mitigate future risks.

[1550] 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.

[1551] This system aims to help users adapt to the ever-changing economic and social environment and maintain a comfortable household finances for the future. Furthermore, by combining this system with an emotion engine that recognizes the user's emotions, the system provides appropriate advice according to the user's psychological state.

[1552] Overall system configuration

[1553] 1. User input

[1554] The user launches an interactive interface and enters information about their current financial situation (income, expenses, savings) and future plans (life events, home purchase, children's education, etc.).

[1555] For example, you might enter information such as, "My second child is due in 2024," or "I plan to purchase a home worth 30 million yen in 2026."

[1556] 2. Sending and saving input data

[1557] The device temporarily stores the information entered by the user and sends it to the server, where it is formatted appropriately.

[1558] The server validates the information it receives and checks that it does not contain any invalid data.

[1559] The server stores the information in a database.

[1560] 3. Performing household forecasts

[1561] The server runs an AI model based on user information stored in a database to predict the balance of income, expenses, and savings.

[1562] For example, it generates predictions such as, "Expenses are expected to increase by approximately 20% annually between 2023 and 2026, while savings are expected to decline."

[1563] 4. Emotion Recognition by Emotion Engine

[1564] The server uses an emotion engine to analyze the user's emotions based on the user's input data and data collected from the interactive interface.

[1565] The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[1566] 5. Real-time updates and notifications

[1567] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions.

[1568] Based on the recognition results of the emotion engine, appropriate advice and notification content is tailored to the user.

[1569] For example, if a user is temporarily feeling anxious due to a sudden change in the economic situation, a reassuring notification such as "Let's wait and see for a while" will be generated.

[1570] 6. Notification and Information to Users

[1571] The device displays the prediction results and notifications received from the server to the user.

[1572] Through the app, users can view the latest household forecasts and sentiment-based recommendations.

[1573] Specific examples

[1574] 1. Enter information

[1575] User A enters the following information into the app: "My second child is due to be born in 2024" and "I plan to purchase a home for 30 million yen in 2026."

[1576] 2. Data transmission and storage

[1577] User A's input information is sent from the terminal to the server and stored in the database.

[1578] 3. Household forecast

[1579] The server runs an AI model based on the stored information to predict the "balance of income, expenses, and savings from 2024 to 2026."

[1580] For example, predict that "the birth of a child will increase annual expenses by 20% and decrease savings."

[1581] 4. Emotion recognition

[1582] The server uses user A's input data and information from the interactive interface to analyze user A's emotions using an emotion engine.

[1583] For example, the emotion engine recognizes that user A is feeling "anxiety."

[1584] 5. Real-time updates and notifications

[1585] If economic or social conditions change, for example if information is obtained that "a sharp rise in real estate prices is predicted," the server will generate a new prediction and send a notification to User A saying, "Consider bringing forward your home purchase plans."

[1586] Based on the analysis results of the emotion engine, it is determined that User A is feeling anxious, so a notification is generated stating, "Please rest assured that we will consider support measures to help you purchase a home."

[1587] 6. Information provision

[1588] User A checks the notification sent by the app and sees the household budget forecast and recommended actions based on emotions. Based on this, User A may reconsider their plan.

[1589] This allows users to accurately manage their household finances while maintaining their privacy and receiving appropriate advice based on their emotional state.

[1590] The processing flow will be explained below.

[1591] Step 1:

[1592] User input

[1593] The user launches an interactive interface and enters information about their current financial situation (e.g., income, expenses, savings) and future plans (e.g., marriage, childbirth, home purchase, etc.).

[1594] For example, a user might enter, "I plan to have a child in 2024" or "I plan to buy a home worth 30 million yen in 2026."

[1595] Step 2:

[1596] Data transmission by the terminal

[1597] The device temporarily stores data entered by the user.

[1598] The device formats the data appropriately and sends it to the server.

[1599] Step 3:

[1600] Receiving and storing data on the server

[1601] The server receives the data sent from the terminal.

[1602] The data received by the server is format-checked to verify that it does not contain invalid data.

[1603] The server stores the received information in a database.

[1604] Step 4:

[1605] Server-based household forecasting

[1606] The server runs the AI ​​model based on the user information stored in the database.

[1607] The server inputs user information into an AI model to predict the balance of income, expenses, and savings.

[1608] For example, it generates predictions such as, "Between 2023 and 2026, expenses are expected to increase by 20% annually and savings to decrease due to the birth of children."

[1609] Step 5:

[1610] Emotion recognition by emotion engine

[1611] The server uses an emotion engine to analyze the user's emotions based on the user's input data and data collected from the interactive interface.

[1612] The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[1613] Step 6:

[1614] Real-time updates from the server

[1615] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions.

[1616] Based on the recognition results of the emotion engine, notification content and advice are adjusted to match the user's emotional state.

[1617] For example, if a user is feeling anxious, a reassuring notification such as "Let's wait and see" will be generated.

[1618] Step 7:

[1619] Sending notifications from the server to the device

[1620] The latest prediction results generated by the server are sent to the terminal.

[1621] The server generates notifications containing important information and recommended actions and sends them to the device.

[1622] Step 8:

[1623] Receiving and displaying notifications on your device

[1624] The device receives the notification from the server and displays the notification content to the user.

[1625] For example, it could display a message like "Your savings are declining. Please reconsider your savings plan" or a reassuring notification like "Just wait and see."

[1626] Step 9:

[1627] User confirmation and action

[1628] The user checks the notifications and prediction results on the device.

[1629] Users can review their household plans as needed and enter new information into the system.

[1630] By following these steps, users can always keep track of their current household finances and take optimal measures according to their emotional state.

[1631] Example 2

[1632] 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."

[1633] Conventional household management systems only manage basic financial information such as users' income, expenses, and savings, making it difficult to reflect changes in economic and social circumstances in real time. Furthermore, they are unable to provide appropriate advice based on the user's emotional state, which can lead to stress and anxiety for users.

[1634] 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.

[1635] In this invention, the server includes means for a user to input information about their financial situation and future plans using an interactive interface, means for receiving the information input by the user, verifying the format, and saving it in a database, means for running an AI model that predicts future income and expenses based on the saved information, means for monitoring changes in social conditions and the economic environment and generating the latest predictions, means for sending the generated prediction results to a user terminal and notifying them, means for analyzing the user's emotional state using an emotion engine, and means for adjusting appropriate advice and notification content based on the user's emotional state. This makes it possible to reflect changes in the economic situation and social environment in real time and provide appropriate advice according to the user's emotional state.

[1636] An "interactive interface" is an interactive input means used by a user to input information.

[1637] "Financial Status" is information about a user's income, expenses, and savings.

[1638] "Future plans" is information about life events and major expenditures that the user plans to make in the future.

[1639] A "server" is a computer system that receives, stores, and processes information from users.

[1640] A "database" is a system for organizing and managing stored information.

[1641] An "AI model" is an algorithm that uses machine learning and artificial intelligence technology to predict future income and expenses.

[1642] "Social conditions and economic environment" refers to information related to society and the economy, such as economic indicators and news.

[1643] An "emotion engine" is a software technology for analyzing a user's emotional state.

[1644] The "user's emotional state" refers to the psychological state, such as stress, anxiety, or relief, that the user is currently experiencing.

[1645] "Appropriate advice" is advice that helps users take appropriate action for their current situation and future.

[1646] "Notification" is a means of informing the user of prediction results and advice generated by the server.

[1647] "Monitoring" refers to the continuous observation and surveillance of changes in social conditions and the economic environment.

[1648] This system aims to help users adapt to the ever-changing economic and social environment and maintain a comfortable household finances for the future. Furthermore, by combining this system with an emotion engine that recognizes the user's emotions, the system provides appropriate advice according to the user's psychological state.

[1649] Overall system configuration

[1650] The system consists of the following main components:

[1651] 1. User input

[1652] Users launch an interactive interface and input information about their current financial situation (income, expenses, savings) and future plans (life events, home purchase, children's education, etc.) For example, they can input information such as "I plan to have my second child in 2024" or "I plan to purchase a home for 30 million yen in 2026."

[1653] 2. Sending and saving input data

[1654] The device temporarily stores the information entered by the user and sends it to the server. At this time, the data is converted into the appropriate format. The server verifies the received information and checks for any invalid data. The verified data is then stored in the server's database.

[1655] 3. Performing household forecasts

[1656] The server runs an AI model based on user information stored in a database to predict the balance of income, expenses, and savings. For example, it generates a prediction such as, "Expenses are expected to increase by approximately 20% annually between 2023 and 2026, while savings are expected to decrease." The AI ​​model uses machine learning frameworks such as TensorFlow and PyTorch.

[1657] 4. Emotion Recognition by Emotion Engine

[1658] The server uses an emotion engine to analyze the user's emotions based on the user's input data and data collected from the conversational interface. The emotion engine uses, for example, IBM Watson's emotion analysis API. The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[1659] 5. Real-time updates and notifications

[1660] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions. Based on the recognition results of the emotion engine, the system tailors appropriate advice and notifications to the user. For example, if a user is temporarily feeling anxious due to a sudden change in the economic situation, it generates a reassuring notification such as "Let's wait and see for a while."

[1661] 6. Notification and Information to Users

[1662] The device receives the forecast results and notifications from the server and displays them to the user, who can then view the latest household forecasts and recommended actions based on their emotions through the app.

[1663] Specific examples

[1664] 1. Enter information

[1665] User A enters the following information into the app: "My second child is due to be born in 2024" and "I plan to purchase a home for 30 million yen in 2026."

[1666] 2. Data transmission and storage

[1667] User A's input information is sent from the terminal to the server and stored in the database.

[1668] 3. Household forecast

[1669] The server runs an AI model based on the stored information to predict the balance of income, expenses, and savings from 2024 to 2026. For example, it predicts that annual expenses will increase by 20% and savings will decrease with the birth of a child.

[1670] 4. Emotion recognition

[1671] The server uses the input data of user A and information from the interactive interface to analyze the emotions of user A using an emotion engine. For example, the emotion analysis recognizes that user A is feeling "anxiety."

[1672] 5. Real-time updates and notifications

[1673] If economic or social conditions change, for example if information is obtained that "real estate prices are predicted to rise sharply," the server generates a new prediction and sends a notification to User A saying, "Please consider bringing forward your home purchase plans." Also, since User A is feeling anxious, a notification is generated saying, "Please rest assured that we will consider support measures for home purchases."

[1674] 6. Information provision

[1675] User A checks the notification sent by the app and sees the household budget forecast and the recommended actions based on their emotions. Based on this, User A may reconsider their plan.

[1676] These steps allow users to maintain their privacy while accurately managing their finances and receiving appropriate advice based on their emotional state.

[1677] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1678] Step 1:

[1679] The user launches an application.

[1680] Input: A user taps or clicks an application icon on their phone or computer.

[1681] What happens: The application launches and displays an interactive interface.

[1682] Output: The user is presented with the initial application screen and is prompted to enter further information.

[1683] Step 2:

[1684] The user enters information about their financial situation and future plans using an interactive interface.

[1685] Input: The user enters information into an interactive interface about income, expenses, savings, and life events (e.g., "I plan to have my second child in 2024" or "I plan to purchase a home for $300,000 in 2026").

[1686] What happens: The user enters information into an input field and clicks the "Submit" button.

[1687] Output: The entered information is stored in the device's temporary memory.

[1688] Step 3:

[1689] The terminal sends the information entered by the user to the server.

[1690] Input: Information stored on your device after you click the "Submit" button.

[1691] Specific operation: The device converts the input information into JSON format and sends an HTTP POST request to the server's API endpoint.

[1692] Output: The server receives the data in JSON format.

[1693] Step 4:

[1694] The server validates the received information and stores it in a database.

[1695] Input: JSON format data sent from the terminal.

[1696] What happens: The server validates the data format and content, checks for invalid data, and saves data that passes validation to the MySQL database.

[1697] Output: Validated data is stored in a database.

[1698] Step 5:

[1699] The server runs an AI model based on user information stored in a database to make household forecasts.

[1700] Input: User information stored in the database.

[1701] Specific operation: The server executes a query such as "SELECT FROM User_Info WHERE UserID = 'xxx'" to retrieve data and input it into the AI ​​model.

[1702] Output: The AI ​​model generates a forecast of your income, expenses, and savings balance.

[1703] Step 6:

[1704] The server uses an emotion engine to analyze the user's emotional state.

[1705] Input: Data entered by the user or collected from an interactive interface.

[1706] Specific operation: The server calls an emotion engine (e.g., IBM Watson's emotion analysis API) and analyzes the user's emotion data.

[1707] Output: The user's emotional state (e.g., anxious, relieved) returned by the emotion engine.

[1708] Step 7:

[1709] The server monitors changes in social and economic conditions and re-runs the AI ​​model to generate the latest predictions.

[1710] Input: Latest economic data and information on social conditions.

[1711] What it does: The server periodically retrieves new data through the API and re-inputs it into the AI ​​model.

[1712] Output: Updated household forecast results.

[1713] Step 8:

[1714] The server tailors appropriate advice and notifications to users based on the generated predictions and sentiment analysis results.

[1715] Input: Household forecast results and sentiment analysis results.

[1716] Specific behavior: The server generates a notification message such as "Don't worry, we will consider ways to help you purchase a home."

[1717] Output: The generated notification message.

[1718] Step 9:

[1719] The device displays the prediction results and notifications received from the server to the user.

[1720] Input: The latest prediction result and notification message sent from the server.

[1721] Specific behavior: The device displays it to the user as a push notification or in-app message.

[1722] Output: The user can view the latest financial forecast and sentiment-based recommended actions through the app.

[1723] (Application example 2)

[1724] Next, a description will be given of Application Example 2. In the following description, the data processing device 12 will be referred to as a "server" and the robot 414 will be referred to as a "terminal."

[1725] The current economic and social environment changes very rapidly, making it difficult for users to effectively manage their own household finances and prepare appropriately for future events. Furthermore, a user's psychological state and emotions can significantly affect household finances, but no system exists that provides advice that takes these into account. Therefore, it is necessary to propose a system that provides advice in real time based on the user's economic situation and individual psychological state, creating an environment in which users can manage their household finances with peace of mind.

[1726] 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 a user to input information about their financial situation and future plans using an interactive interface; means for receiving the information input by the user, verifying the format, and saving it in a database; means for executing an AI model that predicts future income and expenses based on the saved information; means for monitoring changes in social and economic conditions and generating updated predictions; means for sending and notifying the generated prediction results to a user terminal; an emotion engine that analyzes the user's emotions and generates appropriate advice based on the user's emotional state; and means for notifying real-time advice based on the user's latest economic situation and psychological state. This not only enables the user to accurately manage their household finances in response to changes in the economic and social environment, but also allows them to manage their household finances with peace of mind by receiving advice tailored to their emotional state.

[1727] An "interactive interface" is a user interface that allows a user to input information about their financial situation and future plans.

[1728] A "server" is a device or system that receives information entered by a user, validates the format, and stores it in a database.

[1729] An "AI model" is an artificial intelligence technology that predicts future income and expenses based on stored information.

[1730] "Means for monitoring changes in social conditions and the economic environment" refers to the function of continuously monitoring the latest economic data and social trends and updating forecasts based on them.

[1731] A "user terminal" is a device (e.g., a smartphone or tablet) that receives the generated prediction results and notifies the user.

[1732] An "emotion engine" is a system that analyzes a user's emotions and generates appropriate advice based on their emotional state.

[1733] "Means of notifying real-time advice" is a function that provides users with immediate advice based on the latest economic situation and the user's psychological state.

[1734] This system aims to help users adapt to the ever-changing economic and social environment and maintain a comfortable financial situation for the future. Furthermore, by combining this system with an emotion engine that recognizes the user's emotions, the system provides appropriate advice according to the user's psychological state.

[1735] Overall system flow:

[1736] 1. Enter your information:

[1737] Through an interactive interface, users input information about their financial situation and future plans, such as "I plan to have a second child in 2024" or "I plan to purchase a home worth 30 million yen in 2026."

[1738] 2. Data Receipt and Storage:

[1739] The server receives the information entered by the user, validates the format, and stores it in a database, where the data is formatted appropriately.

[1740] 3. Run household forecast:

[1741] The server runs an AI model based on the stored information to predict the user's future income and expenses, for example, predicting the balance of income, expenses, and savings from 2024 to 2026.

[1742] 4. Emotion recognition:

[1743] The server analyzes the user's emotions using an emotion engine based on the user's input data and data collected from the interactive interface. The emotion engine recognizes the user's emotional state (e.g., stress, anxiety, relief).

[1744] 5. Real-time updates and notifications:

[1745] The server monitors changes in social and economic conditions, and when new information becomes available, it re-runs the AI ​​model to generate updated predictions. Furthermore, based on the results of the emotion engine's recognition, it tailors appropriate advice and notifications to the user. For example, if a user is feeling anxious due to a sudden change in the economic situation, it generates a reassuring notification such as "Let's wait and see for a while."

[1746] 6. User Notice and Information:

[1747] The user's device receives the forecast results and notifications from the server and displays them to the user. The user can then check the latest household forecasts and recommended actions based on their emotions through the app.

[1748] Example of a system:

[1749] User ID: user_12345

[1750] Input information: For example, "We plan to have our second child in 2024" or "We plan to purchase a home for 30 million yen in 2026."

[1751] Forecast data: For example, "The birth of a child will increase annual expenses by 20% and decrease savings."

[1752] Emotion Recognition: When the user feels "anxiety"

[1753] Notification content: For example, "Please rest assured that we will consider support measures to help you purchase a home."

[1754] Example prompt sentence:

[1755] Generate advice based on the user's emotional state. The user ID is "user_12345", and the future household forecast shows that annual expenses are expected to increase by 20%. The user's emotional state is "anxious". Notify this user of appropriate advice.

[1756] The system combines a smartphone app, server, database, AI model, emotion engine, and real-time notification system to provide an environment where users can manage their household finances with peace of mind. Specific hardware and software used include cloud infrastructure such as AWS and Google Cloud, notification services such as Firebase Cloud Messaging, and a dedicated emotion analysis engine and AI model.

[1757] This not only enables users to accurately manage their household finances in response to changes in the economic and social environment, but also allows them to receive appropriate support for their emotions.

[1758] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1759] Step 1:

[1760] The user uses an interactive interface to input information about their financial situation and future plans. For example, they might input, "I plan to have my second child in 2024," or "I plan to purchase a home worth 30 million yen in 2026." The input information is temporarily stored on the device.

[1761] Step 2:

[1762] The terminal sends the information entered by the user to the server, which then verifies the format of the received data and stores it in a database. At this time, the data is formatted properly and checked to see if it contains any invalid data.

[1763] Step 3:

[1764] The server runs an AI model based on the stored information to predict future income and expenses. The input is the user's financial situation and future plans, and the output is a predicted household financial situation. For example, it generates a result such as "expenses are expected to increase by approximately 20% annually between 2024 and 2026, and savings are expected to decrease."

[1765] Step 4:

[1766] The server runs an emotion engine based on input data and user interaction data to analyze the user's emotional state. The input is the user's input information and interaction data, and the output is the recognized emotional state (e.g., stress, anxiety, relief).

[1767] Step 5:

[1768] The server monitors changes in social and economic conditions in real time and re-runs the AI ​​model as needed to generate updated predictions. For example, if a sudden rise in real estate prices is predicted, a new household forecast is generated. The input is the latest economic data, and the output is the updated prediction.

[1769] Step 6:

[1770] The server generates appropriate advice and notifications based on the generated household forecast and the analysis results of the emotion engine. For example, if the user is feeling anxious, it generates a notification saying, "Please rest assured that we will consider support measures for purchasing a home." The input is the forecast result and emotional state, and the output is advice.

[1771] Step 7:

[1772] The server sends the generated notification to the user's device. The device displays the received notification to the user. The user can check the latest household forecast and recommended actions based on their emotions through the app. The input is the generated notification, and the output is the information displayed to the user.

[1773] Through these steps, users can accurately manage their household finances in response to changes in the economic and social environment, and receive appropriate advice according to their emotional state, allowing them to manage their household finances with peace of mind.

[1774] The specific processing unit 290 transmits the result of the specific processing to the robot 414. In the robot 414, the control unit 46A causes the speaker 240 and the control target 443 to output the result of the specific processing. The microphone 238 acquires voice indicating a user input regarding the result of the specific processing. The control unit 46A transmits voice data indicating the user input acquired by the microphone 238 to the data processing device 12. In the data processing device 12, the specific processing unit 290 acquires the voice data.

[1775] 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.

[1776] In the above embodiment, an example was given in which the specific processing is performed by the data processing device 12, but the technology of the present disclosure is not limited to this, and the specific processing may be performed by the robot 414.

[1777] The emotion identification model 59 as an emotion engine may determine the user's emotion according to a specific mapping. Specifically, the emotion identification model 59 may determine the user's emotion according to an emotion map (see FIG. 9), which is a specific mapping. Similarly, the emotion identification model 59 may determine the robot's emotion, and the identification processing unit 290 may perform identification processing using the robot's emotion.

[1778] FIG. 9 illustrates an emotion map 400 on which multiple emotions are mapped. In the emotion map 400, emotions are arranged in concentric circles radiating from the center. Emotions closer to the center of the concentric circles are more primitive. Emotions representing states and behaviors arising from a state of mind are arranged on the outer edges of the concentric circles. The concept of emotion includes both affect and mental states. Emotions generally generated from reactions occurring in the brain are arranged on the left side of the concentric circles. Emotions generally induced by situational judgment are arranged on the right side of the concentric circles. Emotions generally generated from reactions occurring in the brain and induced by situational judgment are arranged on the upper and lower sides of the concentric circles. Furthermore, the emotion of "pleasure" is arranged on the upper side of the concentric circles, and the emotion of "discomfort" is arranged on the lower side. In this way, in the emotion map 400, multiple emotions are mapped based on the structure by which emotions are generated, and emotions that tend to occur simultaneously are mapped close to each other.

[1779] These emotions are distributed in the 3 o'clock direction on emotion map 400, and typically fluctuate between relief and anxiety. In the right half of emotion map 400, situational awareness dominates over internal sensations, resulting in a sense of calm.

[1780] The inside of emotion map 400 represents what is going on in the mind, and the outside of emotion map 400 represents behavior, so the further you go outside emotion map 400, the more visible the emotions become (the more they are expressed in behavior).

[1781] Human emotions are based on various balances, such as posture and blood sugar levels. When these balances deviate from the ideal, a state of discomfort is indicated, and when they approach the ideal, a state of pleasure is indicated. Emotions can also be created for robots, automobiles, and motorcycles, based on various balances, such as posture and remaining battery life. When these balances deviate from the ideal, a state of discomfort is indicated, and when they approach the ideal, a state of pleasure is indicated. An emotion map can be generated, for example, based on Dr. Mitsuyoshi's emotion map (Research on Voice Emotion Recognition and Emotional Brain Physiological Signal Analysis Systems, Tokushima University, Doctoral Dissertation: https: / / ci.nii.ac.jp / naid / 500000375379). The left half of the emotion map lists emotions belonging to the "reaction" domain, where sensation is dominant. The right half of the emotion map lists emotions belonging to the "situation" domain, where situational awareness is dominant.

[1782] The emotion map defines two emotions that promote learning. One is a negative emotion on the situation side, around the middle of "repentance" or "reflection." In other words, this occurs when the robot experiences negative emotions such as "I never want to feel this way again" or "I don't want to be scolded again." The other is a positive emotion on the response side, around "desire." In other words, this occurs when the robot experiences positive feelings such as "I want more" or "I want to know more."

[1783] The emotion identification model 59 inputs user input into a pre-trained neural network, obtains emotion values ​​indicating each emotion shown in the emotion map 400, and determines the user's emotion. This neural network is pre-trained based on multiple pieces of training data that are combinations of user input and emotion values ​​indicating each emotion shown in the emotion map 400. Furthermore, this neural network is trained so that emotions that are located close to each other have similar values, as in the emotion map 900 shown in FIG. 10. FIG. 10 shows an example in which multiple emotions, "relieved," "calm," and "reassuring," have similar emotion values.

[1784] The system according to the present disclosure has been described above mainly with respect to the functions of the data processing device 12, but the system according to the present disclosure is not necessarily implemented on a server. The system according to the present disclosure may be implemented as a general information processing system. The present disclosure may be implemented, for example, as a software program running on a personal computer or an application running on a smartphone, etc. The method according to the present disclosure may be provided to users in the form of SaaS (Software as a Service).

[1785] In the above embodiment, an example was given in which the specific processing is performed by one computer 22, but the technology of the present disclosure is not limited to this, and the specific processing may be distributed and performed by a plurality of computers including the computer 22. For example, the data generation model 58 may be provided in an external device of the data processing device 12, and data may be generated in the external device in accordance with input data.

[1786] In the above embodiment, an example in which the specific processing program 56 is stored in the storage 32 has been described, but the technology of the present disclosure is not limited to this. For example, the specific processing program 56 may be stored in a portable, computer-readable, non-transitory storage medium such as a USB (Universal Serial Bus) memory. The specific processing program 56 stored in the non-transitory storage medium is installed in the computer 22 of the data processing device 12. The processor 28 executes the specific processing in accordance with the specific processing program 56.

[1787] Alternatively, the specific processing program 56 may be stored in a storage device such as a server connected to the data processing device 12 via the network 54, and the specific processing program 56 may be downloaded and installed on the computer 22 in response to a request from the data processing device 12.

[1788] It is not necessary to store all of the specific processing program 56 in a storage device such as a server connected to the data processing device 12 via the network 54, or to store all of the specific processing program 56 in the storage 32; only a portion of the specific processing program 56 may be stored.

[1789] The hardware resource for executing a specific process can be any of the following processors: An example of a processor is a CPU, which is a general-purpose processor that functions as a hardware resource for executing a specific process by executing software, i.e., a program. Another example of a processor is a dedicated electrical circuit, such as an FPGA (Field-Programmable Gate Array), a PLD (Programmable Logic Device), or an ASIC (Application Specific Integrated Circuit), which is a processor with a circuit configuration designed specifically for executing a specific process. Each processor has built-in or connected memory, and each processor uses the memory to execute the specific process.

[1790] The hardware resource that executes the specific processing may be configured with one of these various processors, or may be configured with a combination of two or more processors of the same or different types (for example, a combination of multiple FPGAs, or a combination of a CPU and an FPGA). Also, the hardware resource that executes the specific processing may be a single processor.

[1791] As an example of a system configured with a single processor, first, one processor is configured by combining one or more CPUs and software, and this processor functions as a hardware resource that executes a specific process. Second, there is a system that uses a processor that realizes the functions of an entire system including multiple hardware resources that execute a specific process on a single IC chip, as typified by SoC (System-on-a-chip). In this way, a specific process is realized using one or more of the above-mentioned various processors as hardware resources.

[1792] Furthermore, the hardware structure of these various processors can be, more specifically, an electric circuit that combines circuit elements such as semiconductor devices. The specific processing described above is merely an example. Therefore, it goes without saying that unnecessary steps may be deleted, new steps may be added, or the processing order may be rearranged, without departing from the spirit of the invention.

[1793] The above-described description and illustrations are a detailed explanation of the parts related to the technology of the present disclosure and are merely an example of the technology of the present disclosure. For example, the above description of the configuration, functions, actions, and effects is an explanation of an example of the configuration, functions, actions, and effects of the parts related to the technology of the present disclosure. Therefore, it goes without saying that unnecessary parts may be deleted, new elements may be added, or replacements may be made to the above-described description and illustrations within the scope of the gist of the technology of the present disclosure. Furthermore, to avoid confusion and facilitate understanding of the parts related to the technology of the present disclosure, the above-described description and illustrations omit explanations of common technical knowledge that do not require particular explanation to enable the implementation of the technology of the present disclosure.

[1794] All publications, patent applications, and technical standards mentioned in this specification are herein incorporated by reference to the same extent as if each individual publication, patent application, or technical standard was specifically and individually indicated to be incorporated by reference.

[1795] The following is further disclosed regarding the above embodiment.

[1796] (Claim 1)

[1797] A means for a user to input information about his / her financial situation and future plans using an interactive interface;

[1798] server means for receiving the information entered by the user, validating the format, and storing the information in a database;

[1799] A means to run AI models that predict future income and expenses based on stored information; and

[1800] A means of monitoring changes in social and economic conditions and generating up-to-date forecasts;

[1801] A means for transmitting the generated prediction result to a user terminal and notifying the user;

[1802] A system including:

[1803] (Claim 2)

[1804] 2. The system according to claim 1, further comprising means for reflecting changes in economic conditions and social environments in real time and providing the user with the latest advice.

[1805] (Claim 3)

[1806] The system of claim 1, further comprising means for the AI ​​model to predict household finances based on user input information and calculate future income, expenditure, and savings balances.

[1807] "Example 1"

[1808] (Claim 1)

[1809] A means for a user to input information about his / her financial situation and future plans using an interactive interface;

[1810] A device that receives information input by a user, formats it into an appropriate format, and stores it in a database;

[1811] A device that runs a generative AI model based on the stored information to predict future income and expenses;

[1812] A device that monitors changes in social conditions and the economic environment and generates the latest forecasts in real time.

[1813] a device for transmitting the generated prediction result to a user terminal and notifying the user;

[1814] A system including:

[1815] (Claim 2)

[1816] 2. The system according to claim 1, further comprising means for reflecting changes in economic conditions and social environments in real time and providing the user with the latest advice.

[1817] (Claim 3)

[1818] The system of claim 1 further includes a device in which the generative AI model predicts household finances based on user input information and calculates the balance of future income, expenses, and savings.

[1819] "Application Example 1"

[1820] (Claim 1)

[1821] A means for a user to input information about his / her financial situation and future plans using an interactive interface;

[1822] server means for receiving the information entered by the user, validating the format, and storing the information in a database;

[1823] A means to run AI models that predict future income and expenses based on stored information; and

[1824] A means of monitoring changes in social and economic conditions and generating up-to-date forecasts;

[1825] A means for transmitting the generated prediction result to a user terminal and notifying the user;

[1826] A means for users to check their input information and latest household forecasts via smartwatches or smart devices, and

[1827] A system including:

[1828] (Claim 2)

[1829] 2. The system according to claim 1, further comprising means for reflecting changes in economic conditions and social environments in real time and providing the user with the latest advice.

[1830] (Claim 3)

[1831] The system of claim 1, further comprising means for the AI ​​model to predict household finances based on user input information, calculate future income, expenditure, and savings balances, and notify recommended actions.

[1832] "Example 2: Combining Emotion Engines"

[1833] (Claim 1)

[1834] A means for a user to input information about his / her financial situation and future plans using an interactive interface;

[1835] server means for receiving the information entered by the user, validating the format, and storing the information in a database;

[1836] A means to run AI models that predict future income and expenses based on stored information; and

[1837] A means of monitoring changes in social and economic conditions and generating up-to-date forecasts;

[1838] A means for transmitting the generated prediction result to a user terminal and notifying the user;

[1839] means for analyzing the emotional state of a user using an emotion engine;

[1840] A means to tailor appropriate advice and notification content based on the user's emotional state; and

[1841] A system including:

[1842] (Claim 2)

[1843] 2. The system according to claim 1, further comprising means for reflecting changes in economic conditions and social environments in real time and providing the user with the latest advice.

[1844] (Claim 3)

[1845] The system of claim 1, further comprising means for the AI ​​model to predict household finances based on user input information and calculate future income, expenditure, and savings balances.

[1846] "Application example 2 when combining emotion engines"

[1847] (Claim 1)

[1848] A means for a user to input information about his / her financial situation and future plans using an interactive interface;

[1849] server means for receiving the information entered by the user, validating the format, and storing the information in a database;

[1850] A means to run AI models that predict future income and expenses based on stored information; and

[1851] A means of monitoring changes in social and economic conditions and generating up-to-date forecasts;

[1852] A means for transmitting the generated prediction result to a user terminal and notifying the user;

[1853] an emotion engine that analyzes the user's emotions and generates appropriate advice based on the user's emotional state;

[1854] A means of providing real-time advice based on the latest economic situation and the user's psychological state,

[1855] A system including:

[1856] (Claim 2)

[1857] 2. The system according to claim 1, further comprising means for reflecting changes in economic conditions and social environments in real time and providing the user with the latest advice.

[1858] (Claim 3)

[1859] The system of claim 1, further comprising means for the AI ​​model to predict household finances based on user input information and calculate future income, expenditure, and savings balances. [Explanation of symbols]

[1860] 10, 210, 310, 410 Data Processing Systems 12 Data Processing Device 14 Smart Devices 214 Smart Glasses 314 Headset-type terminal 414 Robot< / url:> < / url:> < / url:> < / url:>

Claims

1. A means for a user to input information about his / her financial situation and future plans using an interactive interface; server means for receiving the information entered by the user, validating the format, and storing the information in a database; A means to run AI models that predict future income and expenses based on stored information; and A means of monitoring changes in social and economic conditions and generating up-to-date forecasts; A means for transmitting the generated prediction result to a user terminal and notifying the user; A system including:

2. 2. The system according to claim 1, further comprising means for reflecting changes in economic conditions and social environments in real time and providing the user with the latest advice.

3. The system of claim 1 further comprising means for the AI ​​model to predict household finances based on user input information and calculate future income, expenditure, and savings balances.

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