System

Abstract

A system is provided.SOLUTION: A system comprising: means for a user to input life plan and budget information through a terminal; means for a server to store and analyze the inputted life plan and budget information; means for the server to propose an optimal credit card and point program based on the analysis result; means for the user to perform settlement based on the proposed credit card and point program; means for the server to acquire settlement information in real time and reflect it on a household account book; and means for the server to evaluate a target achievement degree and notify a user of a progress.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

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

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

[0004] Conventional household management systems struggled to provide optimal suggestions based on users' life plans and specific household goals. They also lacked guidance on how to effectively utilize credit card reward rates and point programs. Furthermore, they lacked a way to obtain real-time spending information and track progress toward household goals, preventing users from efficiently managing their household finances. This made it difficult for users to achieve their savings goals as planned. [Means for solving the problem]

[0005] The present invention provides a means for a user to input life plan and budget information via a terminal, thereby enabling the system to reflect the user's specific household goals. The server also provides a means for saving and analyzing the input life plan and budget information, and proposes the optimal credit card and point program based on the user's individual circumstances. The system also provides a means for the user to make payments based on the proposed credit card and point program, and a means for the server to acquire payment information in real time and reflect it in the household account book. Additionally, the server evaluates the degree of goal achievement and notifies the user of progress, enabling the user to manage their household finances according to their plan. This solves the problems of conventional household finance management systems and provides a means for efficiently and effectively achieving household goals.

[0006] "User" means an individual or organization that uses the System and inputs life plan and budget information.

[0007] "Terminal" means a device used by a user to access the system and input information, including a PC, smartphone, tablet, etc.

[0008] "Life plan" includes plans and goals related to the user's life planning, such as annual travel plans and frequency of credit card use.

[0009] "Budget information" refers to financial data such as a user's income, fixed expenses, and savings goals, and serves as the basic data for managing household finances within the system.

[0010] A "server" is a main computer device that constitutes a system and has the function of storing and analyzing information input by users.

[0011] "Database" means a system in which the server systematically stores and manages information, and stores users' life plans and budget information.

[0012] "Analysis" refers to the calculation process that the server performs to propose the most suitable credit card and point program based on the input data.

[0013] A "credit card" is a financial tool used by users when purchasing goods or services, including those that offer reward points or special benefits.

[0014] A "points program" refers to a system in which points are awarded for purchases made with a specific credit card and can be exchanged for various benefits.

[0015] "Payment" refers to the act of a user paying for goods or services using a credit card.

[0016] "API" refers to an application programming interface that enables communication between the server and other systems, and is used to obtain transaction data from credit card companies.

[0017] A "household account book" is a recording system for managing a user's income and expenses, with the server updating the information in real time.

[0018] "Goal achievement level" is an indicator for evaluating progress toward the household goals set by the user, and the server notifies the user of the achievement status. [Brief explanation of the drawings]

[0019] [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

[0020] 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.

[0021] First, the terms used in the following description will be explained.

[0022] 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).

[0023] 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.

[0024] 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.

[0025] 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.

[0026] 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."

[0027] [First embodiment]

[0028] FIG. 1 shows an example of the configuration of a data processing system 10 according to the first embodiment.

[0029] 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.

[0030] 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).

[0031] 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.

[0032] 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.

[0033] 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.

[0034] 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.

[0035] FIG. 2 shows an example of the main functions of the data processing device 12 and the smart device 14.

[0036] 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.

[0037] 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.

[0038] 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.

[0039] 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."

[0040] The present invention will now be described in detail with reference to how the elements of the user, terminal, and server cooperate and operate.

[0041] System Overview

[0042] The system of the present invention allows users to input their life plan and budget information, and based on that information, the server proposes the most suitable credit card and point program, and the user then makes payments using the proposed method, thereby achieving efficient household management.

[0043] System Configuration

[0044] 1. User Device

[0045] This is a device for users to input life plan and budget information. Terminals include PCs, smartphones, and tablets.

[0046] 2. Server

[0047] It stores and analyzes the entered information, suggests the most suitable credit card and point program to the user, and reflects the executed payment information in the household account book.

[0048] 3. Database

[0049] It is connected to a server and stores the user's life plan and budget information.

[0050] 4. Credit card company API

[0051] Used by the server to obtain payment information in real time.

[0052] Program processing

[0053] 1. Enter user information

[0054] The user logs in to the system using a terminal and enters their life plan (e.g., two trips a year, credit card training) and budget information (e.g., monthly income, fixed expenses, savings goals). The information entered by the user is sent to the server.

[0055] 2. Information storage and analysis

[0056] The server stores the received life plan and budget information in a database and performs analysis based on the data to calculate the user's monthly disposable income and annual savings goal.

[0057] 3. Proposal Generation

[0058] Based on the analysis results, the server considers the credit card's return rate and point program and proposes the most suitable credit card and point program. For example, it generates a proposal that Card A is suitable for travel and Card B is suitable for everyday shopping.

[0059] 4. User execution

[0060] The user checks the proposal from the server, selects a credit card as suggested, and makes the payment. The server obtains the user's payment information in real time via the credit card company's API.

[0061] 5. Update your household budget

[0062] The server then updates the household account book with the acquired payment information, allowing users to manage their household finances based on monthly and yearly expenditures and savings goals. Progress toward the user's savings goals is continuously recorded.

[0063] 6. Evaluation and notification of goal achievement

[0064] The server compiles the user's spending information and compares it with the budget to evaluate the progress of the goal. The evaluation results are periodically notified to the user, and information such as "Your savings for March were 80,000 yen, which means you have achieved 75% of your goal" is provided.

[0065] Specific examples

[0066] Let's assume that Mr. Sato has entered "two overseas trips per year" as his life plan, and set his budget information as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." The server receives this and analyzes it, calculating that his monthly disposable income is 150,000 yen and that he needs to save approximately 83,000 yen each month. Based on the analysis results, it suggests credit card A for travel and credit card B for everyday use, and Mr. Sato makes payments using these cards as suggested. The server obtains the payment information in real time, updates the household account book, and notifies Mr. Sato of his monthly goal achievement. For example, it sends a notification saying, "Savings for March are 80,000 yen. You have achieved 75% of your goal."

[0067] The system will enable Sato to manage her household finances efficiently and provide specific guidance on how to achieve her savings goals.

[0068] The processing flow will be explained below.

[0069] Step 1:

[0070] The user logs in to the system using a terminal and inputs their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen).

[0071] Step 2:

[0072] The terminal transmits the life plan and budget information entered by the user to the server. When transmission is complete, a confirmation message is displayed to the user.

[0073] Step 3:

[0074] The server saves the received life plan and budget information in the database, and then logs a confirmation message.

[0075] Step 4:

[0076] The server then begins analyzing the information stored in the database, performing calculations to calculate monthly disposable income and annual savings goals.

[0077] Step 5:

[0078] Based on the analysis results, the server executes a script that considers the credit card return rate and point program and proposes the most suitable credit card and point program for the user. For example, it generates a proposal such as "Card A for travel, Card B for everyday shopping."

[0079] Step 6:

[0080] The server sends the proposal to the terminal and displays it to the user, who then checks the proposal and chooses whether to accept it.

[0081] Step 7:

[0082] If the user accepts the offer, the actual payment is made using the proposed credit card. At the time of payment, transaction information is sent to the server using the credit card company's API.

[0083] Step 8:

[0084] The server obtains payment information in real time through the credit card company's API, and the information is stored in a database.

[0085] Step 9:

[0086] The server updates the household account book based on the payment information acquired. Specifically, the system manages household finances based on monthly and yearly expenditures and savings goals.

[0087] Step 10:

[0088] The server aggregates the user's spending information and executes an evaluation script to evaluate the achievement of the goal by comparing it with the budget. The evaluation result is generated as a notification message.

[0089] Step 11:

[0090] The server notifies the device of the evaluation results and displays a message indicating the user's progress. For example, it might say, "You saved 80,000 yen in March, achieving 75% of your goal." The user can then review this and decide what to do next.

[0091] Through the above steps, the system of the present invention can propose the most suitable credit card and point program based on the user's life plan and budget information, enabling efficient household management.

[0092] Example 1

[0093] 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."

[0094] Conventional household management systems require users to manually input spending information and select appropriate savings plans and credit cards, making efficient household management difficult. Furthermore, selecting the appropriate credit card or point program requires manual information collection and analysis, which is time-consuming and inaccurate. Furthermore, the lack of a mechanism for timely evaluation and notification of goal achievement makes it difficult for users to systematically manage their spending toward their goals.

[0095] 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.

[0096] In this invention, the server includes: means for a user to input life plan and budget information via a terminal; means for the server to save and analyze the input life plan and budget information; means for the server to suggest optimal credit cards and point programs based on the analysis results; means for the user to make payments based on the suggested credit cards and point programs; means for the server to obtain payment information in real time using a credit card company's communication protocol and reflect it in the household management record; means for the server to evaluate goal achievement and notify the user of progress; and means for using a generative AI model to suggest credit cards and point programs according to the user's life plan. This enables users to manage their household finances efficiently and accurately without hassle.

[0097] "User terminal" refers to the device used by a user to input life plan and budget information, specifically a PC, smartphone, tablet, etc.

[0098] A "server" is a computer system that stores and analyzes information entered by users and has the function of proposing the most suitable credit card and point program to users.

[0099] A "life plan" refers to the lifestyle plans and goals that users want to achieve in the future, specifically events including travel and big purchases.

[0100] "Budget Information" means financial information such as a user's income, expenses, and savings goals, including specific monetary data necessary for the user to manage their household finances.

[0101] A "credit card" is a plastic card issued by a financial institution that a user uses to make payments and provides a means of payment that can be used to make payments at a later date.

[0102] A "points program" refers to benefits and discounts that users can receive by using a specific credit card or payment method, and is a system in which points can be accumulated and exchanged for products and services.

[0103] A "communication protocol" refers to the standardized procedures and rules for a server to communicate with a credit card company, and specifically refers to the mechanism for obtaining data using an API.

[0104] "Household management records" refers to data that compiles information such as a user's income, expenses, and savings, and is a record that can be used as a household account book.

[0105] A "generative AI model" is an algorithm that uses artificial intelligence to analyze user data and suggest appropriate credit cards and point programs.

[0106] "Goal achievement" is an indicator that evaluates the actual progress toward the savings goal or spending plan set by the user, and is used by the server to notify the user of the progress.

[0107] The present invention will be described below with reference to how the elements of the user, terminal, and server cooperate and operate in detail.

[0108] System Overview

[0109] The system of the present invention allows users to input their life plan and budget information, and based on that information, the server proposes the most suitable credit card and point program, and the user then makes payments using the proposed method, thereby achieving efficient household management.

[0110] System Configuration

[0111] 1. User Device

[0112] This is a device for users to input life plan and budget information. Terminals include PCs, smartphones, and tablets.

[0113] 2. Server

[0114] It is responsible for storing and analyzing the entered information. It also suggests the most suitable credit card and point program to the user and reflects the executed payment information in the household account book. The server performs analysis and suggestions using a generative AI model.

[0115] 3. Database

[0116] It connects to a server and stores the user's life plan and budget information, often in an SQL database.

[0117] 4. Credit card company communication protocols

[0118] The server uses this to obtain payment information in real time, specifically via the APIs of VISA and MasterCard.

[0119] Program processing

[0120] Enter user information

[0121] The user logs into the system using a terminal and enters their life plan and budget information. For example, they enter information such as "two overseas trips per year" or "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." The information entered by the user is sent to the server.

[0122] Information storage and analysis

[0123] The server then stores the received life plan and budget information in a database and performs analysis using Python and R programming languages ​​to calculate the user's monthly disposable income and annual savings goal.

[0124] Proposal Generation

[0125] Based on the analysis results, the server considers the credit card's return rate and point program and proposes the most suitable credit card and point program. For example, it generates a proposal that Card A is suitable for travel and Card B is suitable for everyday shopping. A generative AI model is used to make the proposal.

[0126] User execution

[0127] The user checks the proposal from the server, selects a credit card as suggested, and makes the payment. The server obtains the user's payment information in real time via the credit card company's communication protocol.

[0128] Updating your household budget

[0129] The server updates the acquired payment information into the household account book, allowing users to manage their household finances based on monthly and yearly expenditure and savings goals. Data is automatically entered into household account book software (e.g., MICROSOFT(R) EXCEL(R), Google(R) Sheets).

[0130] Goal achievement evaluation and notification

[0131] The server aggregates the user's spending information and compares it with the budget to evaluate the progress of the goal. The evaluation results are periodically notified to the user. For example, information such as "Your savings for March were 80,000 yen, which means you have achieved 75% of your goal" is provided. Notifications are sent using Firebase Cloud Messaging and Amazon SNS.

[0132] Specific examples

[0133] For example, consider the case where Mr. Sato enters "two overseas trips per year" as his life plan, and sets "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen" as his budget information. The server receives this and analyzes it, calculating that his monthly disposable income is 150,000 yen and that he needs to save approximately 83,000 yen each month. Based on the analysis results, it suggests credit card A for travel and credit card B for everyday use, and Mr. Sato makes payments using these cards as suggested. The server obtains payment information in real time, updates the household account book, and notifies Mr. Sato of his monthly goal achievement. For example, it sends a notification saying, "Savings for March are 80,000 yen. You have achieved 75% of your goal."

[0134] Prompt Sentence Examples

[0135] "I'm planning a trip and have entered 'two international trips per year' as part of my life plan. My budget information is 'monthly income of 300,000 yen, fixed expenses of 150,000 yen, and an annual savings goal of 1 million yen.' Please suggest a credit card or points program that would be suitable for me."

[0136] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0137] Step 1: User logs into the system via a terminal

[0138] Input: User ID and password

[0139] Processing: The terminal sends the user ID and password to the server, which checks them against the database and performs authentication.

[0140] Output: If authentication is successful, the dashboard screen will be displayed on the user's device. If authentication is unsuccessful, an error message will be displayed.

[0141] Specific operation: The user opens the login screen on the device, enters their ID and password, and clicks the "Login" button.

[0142] Step 2: The user inputs life plan and budget information via the terminal.

[0143] Input: Life plan (e.g., "Two overseas trips per year"), budget information (e.g., "Monthly income of 300,000 yen," "Fixed expenses of 150,000 yen," "Annual savings goal of 1 million yen")

[0144] Processing: The user enters information into the dashboard input form, and the device sends the input information to the server.

[0145] Output: The input is saved on the server.

[0146] Specific behavior: The user fills out the dashboard input form with life plan and budget information and clicks the "Submit" button.

[0147] Step 3: The server stores the received information in a database

[0148] Input: Life plan and budget information

[0149] Process: The server uses an SQL query to save the information to a database

[0150] Output: User information is updated in the database

[0151] Specific operation: The server saves the received information using an "INSERT INTO" query.

[0152] Step 4: The server performs analysis based on the stored information

[0153] Input: Saved life plan and budget information

[0154] Processing: The server uses a Python script to calculate disposable income and savings goals.

[0155] Output: The analysis results are "monthly savings goal" and "yearly savings goal"

[0156] Specific operation: Reads the information stored in the database and calculates disposable income by subtracting "fixed expenses" from "monthly income"

[0157] Step 5: The server recommends the best credit cards and rewards programs

[0158] Input: Analysis results (e.g., "Monthly savings goal," "Yearly savings goal")

[0159] Processing: Using generative AI models to recommend the best credit cards and rewards programs

[0160] Output: Display suggestions to the user (e.g., "Use Card A for travel, Card B for everyday shopping")

[0161] How it works: The AI ​​model analyzes reward rates and point programs and notifies users of the best options.

[0162] Step 6: User pays using suggested credit card

[0163] Input: Proposed credit card

[0164] Processing: The user pays with a credit card, and the server obtains payment information using the credit card company's communication protocol.

[0165] Output: Payment information is saved in the database in real time.

[0166] Specific Action: User makes a purchase using a credit card at a specified location or online

[0167] Step 7: The server updates the payment information to the household account book.

[0168] Input: Payment information obtained in real time

[0169] Processing: The server automatically inputs payment information into household accounting software (e.g., Excel or Google Sheets).

[0170] Output: Household account book updated

[0171] Specific operation: The data acquired by the server is automatically entered into the household accounting software using an API.

[0172] Step 8: The server evaluates the goal achievement and notifies the user

[0173] Input: Household account data

[0174] Processing: The server performs calculations to evaluate the progress of the goal and sends notifications to the user using the notification system.

[0175] Output: Notification to the user (e.g., "You saved $80,000 in March, achieving 75% of your goal.")

[0176] Specific behavior: Sends notifications to the user's device using Firebase Cloud Messaging or Amazon SNS.

[0177] (Application example 1)

[0178] 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."

[0179] Conventional household management systems have struggled to provide efficient household management based on the life plan and budget information entered by the user. Comprehensive integration of functions is required, such as suggesting optimal credit cards and point programs, acquiring payment information in real time and updating it in the household ledger, and evaluating monthly and annual savings status. A method is also needed to generate prompts using a generative AI model and continuously update optimal suggestions.

[0180] 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.

[0181] In this invention, the server includes a means for aggregating the user's payment information and evaluating the monthly and yearly savings status, a means for evaluating the degree of achievement of monthly savings goals and notifying the user of specific progress, and a means for generating prompts using a generative AI model to suggest optimal credit cards and point programs, thereby enabling efficient and accurate household management.

[0182] A "user" is someone who inputs life plans and budget information via the server and receives offers for credit cards and point programs.

[0183] "Terminal" means a device used by a user to input life plan and budget information, including a smartphone or tablet.

[0184] A "life plan" is a lifestyle plan set by the user, and includes specific activities and goals such as overseas travel and savings goals.

[0185] "Budget information" refers to financial information entered by the user, such as monthly income, fixed expenses, and savings goals.

[0186] The "server" is a computer system that stores and analyzes the life plan and budget information entered by the user, generates optimal credit card and point program proposals, and obtains payment information in real time and reflects it in the household account book.

[0187] "Analysis results" are the results of the analysis performed by the server based on the user's life plan and budget information.

[0188] A "credit card" is a card that a user uses to pay for goods or services, and is the card that the server will suggest.

[0189] A "points program" is a system for managing points earned in response to credit card usage.

[0190] "Payment Information" means detailed information about transactions made by a User using a credit card.

[0191] A "household account book" is a means of recording and managing a user's income and expenses and progress toward savings goals.

[0192] "Goal achievement" measures the actual progress of the user toward the savings goal they set.

[0193] "Progress" refers to the progress of a user toward the goals they have set.

[0194] "API" stands for Application Programming Interface, a means by which different software systems communicate with each other.

[0195] A "generative AI model" is a model that uses artificial intelligence to generate prompt sentences, and serves as the basis for suggesting optimal credit cards and point programs.

[0196] A "prompt sentence" is an input sentence that a generative AI model uses to generate suggestions.

[0197] The present invention is a household management system in which a user inputs life plan and budget information, and a server analyzes the information and proposes optimal credit cards and point programs. This system is implemented using the following means.

[0198] System configuration

[0199] The system mainly consists of the following elements:

[0200] 1. User Device

[0201] This is a device for users to input life plan and budget information. A variety of devices, including smartphones and tablets, can be used.

[0202] 2. Server

[0203] The system saves and analyzes the input life plan and budget information, and suggests the most suitable credit card and point program based on the analysis results. It also obtains the user's payment information in real time and reflects it in the household account book.

[0204] 3. Database

[0205] It is connected to a server and is used to store the user's life plan and budget information.

[0206] 4. Credit card company API

[0207] Used by the server to capture payment information in real time.

[0208] 5. Generative AI Models

[0209] Generate prompt sentences to suggest the best credit card and point program.

[0210] Processing flow

[0211] 1. Enter your user information

[0212] The user uses a terminal to input life plans and budget information into the system. For example, the user can input a life plan such as "two overseas trips per year" and budget information such as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen."

[0213] 2. Information storage and analysis

[0214] The server stores the entered life plan and budget information in a database and performs analysis based on this information, calculating monthly disposable income and annual savings goals.

[0215] 3. Prompt generation using a generative AI model

[0216] The generative AI model generates prompts and suggests the most suitable credit cards and point programs based on these. For example, it generates a prompt such as, "Suggest the most suitable credit cards and point programs based on the user's annual savings goal."

[0217] 4. Proposal Production

[0218] Based on the analysis results and the prompt, the server will suggest the best credit card and point program for a specific condition. For example, it may suggest that Credit Card A is suitable for travel and Credit Card B is suitable for everyday shopping.

[0219] 5. Acquiring payment information and reflecting it in the household account book

[0220] The server uses the credit card company's API to obtain payment information in real time and updates the household account book based on this information.

[0221] 6. Evaluation and notification of goal achievement

[0222] The server compiles monthly and yearly spending information, evaluates the user's progress toward their savings goal, and periodically notifies the user of their progress. For example, the server sends a notification saying, "You saved 80,000 yen in March, achieving 75% of your goal."

[0223] Specific examples

[0224] Suppose Mr. Sato sets "two overseas trips a year" as his life plan and enters "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen" as his budget information. The server analyzes this information and calculates that his monthly disposable income is 150,000 yen and that he needs to save approximately 83,000 yen each month. Based on this, it suggests credit card A for travel and credit card B for everyday use. Mr. Sato makes payments using these cards, and the server obtains the payment information in real time and updates it in the household account book. At the end of the month, the server sends a notification saying, "Your savings for this month are 80,000 yen, which means you've achieved 75% of your goal."

[0225] Example prompt sentence:

[0226] "We will explain the design and implementation of a smart finance management app that suggests the most suitable credit card based on the user's life plan and budget information, and updates the payment information in the household ledger."

[0227] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0228] Step 1:

[0229] Enter your user information:

[0230] Users use their own devices to input their life plan and budget information, such as annual savings goals, monthly income, fixed expenses, travel plans, etc. This information is then sent to the server.

[0231] Input: User's life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, annual savings goal of 1 million yen)

[0232] Output: Life plan and budget information data

[0233] Step 2:

[0234] Information storage:

[0235] The server stores the life plan and budget information sent by the user in a database, ensuring the data necessary for subsequent analysis.

[0236] Input: User's life plan and budget information

[0237] Output: Life plan and budget information stored in a database

[0238] Step 3:

[0239] Analysis of information:

[0240] The server performs an analysis based on the stored life plan and budget information, calculating monthly disposable income and annual savings goals.

[0241] Input: Life plan and budget information stored in a database

[0242] Output: Monthly disposable income, annual savings goal data

[0243] Step 4:

[0244] Prompt generation using a generative AI model:

[0245] The server uses a generative AI model to generate prompts to suggest the most suitable credit cards and point programs.

[0246] Input: Analysis results (e.g. disposable income, savings goal)

[0247] Output: Prompt for suggestion

[0248] Step 5:

[0249] Proposal generation:

[0250] The server generates recommendations for optimal credit cards and rewards programs based on the generated prompts. For example, it may suggest that Card A is suitable for a specific life plan, while Card B is suitable for everyday shopping.

[0251] Input: Prompt text, credit card reward rate and point program information

[0252] Output: Best credit card and rewards program recommendations

[0253] Step 6:

[0254] Get payment information:

[0255] The user makes a payment using the proposed credit card. The server obtains payment information in real time using the credit card company's API.

[0256] Input: User payment action, credit card company payment information API

[0257] Output: Real-time payment information

[0258] Step 7:

[0259] Reflection in household budget:

[0260] The server updates the user's household account book based on the acquired payment information, allowing the user to understand their current spending situation.

[0261] Input: Real-time payment information

[0262] Output: Updated household account book

[0263] Step 8:

[0264] Goal achievement assessment and notification:

[0265] The server compiles the user's monthly and yearly spending information, evaluates the degree of achievement of the savings goal, and notifies the user of the specific progress. For example, it may notify the user that "You saved 80,000 yen in March, achieving 75% of your goal."

[0266] Input: Updated household budget and savings goal information

[0267] Output: Progress notification to the user

[0268] 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.

[0269] The present invention will now be described in detail, showing how the elements of the user, terminal, server, and emotion engine cooperate and operate.

[0270] System Overview

[0271] The system of the present invention realizes efficient household management by having the user input their life plan and budget information, and then having the server suggest the most suitable credit card and point program based on that information, and then having the user make payments using the suggested method.Furthermore, by combining it with an emotion engine that recognizes the user's emotions and adjusts the content of suggestions and notifications according to the user's emotions, we provide a user-friendly system.

[0272] System Configuration

[0273] 1. User Device

[0274] This is a device that allows users to input their life plan and budget information and acquire emotional data. Terminals such as PCs, smartphones, and tablets can be used.

[0275] 2. Server

[0276] It stores and analyzes the entered information, suggests the most suitable credit card and point program to the user, and reflects the executed payment information in the household account book.

[0277] 3. Database

[0278] It is connected to a server and stores the user's life plan and budget information.

[0279] 4. Emotion Engine

[0280] It has the ability to recognize the user's emotions and adjust the suggestions and progress notifications. The emotion engine analyzes data obtained from the device and determines the user's emotional state.

[0281] 5. Credit card company API

[0282] Used by the server to obtain payment information in real time.

[0283] Program processing

[0284] 1. Enter user information

[0285] A user logs in to the system using a terminal and inputs their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen). In addition, the terminal collects the user's emotional data (e.g., facial expressions, voice, and text).

[0286] 2. Information storage and analysis

[0287] The device sends the user's input life plan, budget information, and emotional data to the server. The server stores the received data in a database and begins analysis. The analysis calculates the user's monthly disposable income and annual savings goal.

[0288] 3. Proposal Generation

[0289] Based on the analysis results, the server considers credit card return rates and point programs to recommend the most suitable credit card and point program for the user. Furthermore, the emotion engine analyzes the user's emotional data and adjusts the recommendations accordingly. For example, if the user is in a positive emotional state, it will suggest a risky payment method, and if the user is in a negative emotional state, it will suggest a safe payment method.

[0290] 4. User execution

[0291] The user makes the actual payment using the proposed credit card. The server obtains the user's payment information in real time through the credit card company's API.

[0292] 5. Update your household budget

[0293] The server updates the household account book based on the acquired payment information, specifically managing household finances based on monthly and yearly expenditures and savings goals.

[0294] 6. Evaluation and notification of goal achievement

[0295] The server aggregates the user's spending information and compares it with the budget to evaluate the degree of goal achievement. The emotion engine adjusts the notification content based on the user's emotional data and notifies the user of their progress. For example, information such as "Your savings for March are 80,000 yen. You have achieved 75% of your goal" is adjusted according to the user's emotional state.

[0296] Specific examples

[0297] Suppose Suzuki-san enters "two overseas trips per year" as her life plan and sets her budget information as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." The server receives and analyzes this information, calculating that her monthly disposable income is 150,000 yen and that she needs to save approximately 83,000 yen per month. Based on the analysis results, it recommends credit card A for travel and credit card B for everyday use. Furthermore, the emotion engine determines Suzuki-san's emotions to be positive and suggests a risky payment method. Suzuki-san makes payments using these cards as suggested. The server obtains payment information in real time, updates the household account book, and notifies Suzuki-san of her monthly goal progress. For example, it sends a notification saying, "Savings for March are 80,000 yen. 75% of the goal achieved." The content of this notification is also adjusted based on Suzuki-san's emotions.

[0298] This system will enable Suzuki to efficiently manage her household finances and receive detailed advice and notifications tailored to her emotions.

[0299] The processing flow will be explained below.

[0300] Step 1:

[0301] The user logs in to the system using a terminal. The user enters their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen). The terminal also collects the user's emotional data (e.g., from a facial recognition camera or voice input).

[0302] Step 2:

[0303] The terminal transmits the life plan, budget information, and emotion data entered by the user to the server. When transmission is complete, a confirmation message is displayed to the user.

[0304] Step 3:

[0305] The server stores the received life plan, budget information, and emotion data in a database. After storing the data, it labels the data and prepares it for analysis.

[0306] Step 4:

[0307] The server retrieves the necessary data from the database and begins analyzing the life plan and budget information, performing calculations to calculate monthly disposable income and annual savings goals.

[0308] Step 5:

[0309] Based on the analysis results, the server considers credit card return rates and point programs to recommend the most suitable credit card and point program for the user. The emotion engine also analyzes the emotional data and adjusts the recommendations based on the user's emotional state. For example, if the user's emotional state is positive, it will suggest a risky payment method, and if the user's emotional state is negative, it will suggest a safe payment method.

[0310] Step 6:

[0311] The server sends the proposal to the terminal and displays it to the user. The user checks the proposal and chooses whether to accept it. If the user accepts, he or she clicks the "Confirm" button.

[0312] Step 7:

[0313] If the user accepts the offer, the actual payment is made using the proposed credit card. At the time of payment, transaction information is sent to the server using the credit card company's API.

[0314] Step 8:

[0315] The server obtains payment information in real time through the credit card company's API. The obtained information is saved in a database. After saving, a confirmation message is recorded in the server log.

[0316] Step 9:

[0317] The server updates the household account book based on the payment information acquired. Specifically, it executes update processing to manage household finances based on monthly and yearly expenditures and savings goals.

[0318] Step 10:

[0319] The server aggregates the user's spending information and executes an evaluation script that evaluates the progress of the goal by comparing it with the budget. The emotion engine adjusts the notification content based on the user's emotion data and generates messages to notify the user of the progress.

[0320] Step 11:

[0321] The server sends the evaluation results and a notification message to the device, which displays them to the user. For example, the message might read, "Your savings for March are 80,000 yen. You've achieved 75% of your goal." The content of the message is also adjusted based on the user's emotional state. The user can review the message and decide on their next action.

[0322] Through these steps, the system of the present invention can propose optimal credit cards and point programs based on the user's life plan, budget information, and emotional data, enabling efficient household finance management. The emotion engine provides detailed advice and notifications that reflect the user's emotional state.

[0323] Example 2

[0324] 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."

[0325] While conventional household management systems have mechanisms for managing budgets based on the user's life plan and budget information, they are unable to provide advice or suggestions that take the user's emotions into consideration. This makes it difficult for users to manage their spending appropriately from an emotional perspective. Furthermore, there is also the issue of users being unable to efficiently manage their household finances because payment information is not acquired in real time and reflected in the household account book smoothly.

[0326] The specific processing by the specific processing unit 290 of the data processing device 12 in Example 2 is realized by the following means. In this invention, the server includes: means for the user to input a life plan and budget information via a terminal; means for the terminal to collect emotional data of the user; means for the server to save and analyze the input life plan and budget information and emotional data; means for the server to suggest an optimal credit card and point program based on the analysis results and the emotional data; means for the user to make a payment based on the suggested credit card and point program; means for the server to obtain payment information in real time using the API of the credit card company and reflect it in the household account book; and means for the server to evaluate the degree of goal achievement using the emotional data and notify the user of the progress.

[0327] This allows users to efficiently manage their household finances and receive detailed advice and notifications tailored to their emotions.

[0328] A "user terminal" is a device on which a user inputs life plan and budget information and collects emotional data. Examples of such devices include PCs, smartphones, and tablets.

[0329] The "server" is a device that stores and analyzes the input life plan, budget information, and emotional data. The server also plays a role in proposing optimal credit cards and point programs.

[0330] A "life plan" refers to the lifestyle plans and goals set by the user, such as two trips per year.

[0331] "Budget information" is information that indicates a user's financial plan, such as monthly income, expenses, savings goals, etc. For example, a monthly income of 300,000 yen, fixed expenses of 150,000 yen, and an annual savings goal of 1 million yen.

[0332] "Emotion data" is data that represents the user's emotional state and is collected based on facial expressions, voice, text, and the like.

[0333] A "credit card company API" is an application programming interface provided by a credit card company, which can be used to obtain payment information in real time.

[0334] A "household account book" is a book or electronic record used to record a user's income and expenses and is used for budgetary management.

[0335] The "emotion engine" is an engine that has the function of analyzing the user's emotional data and appropriately adjusting the content of suggestions and notifications.

[0336] MODE FOR CARRYING OUT THE INVENTION

[0337] The system of this invention realizes efficient household management by having the user input their life plan and budget information, and the server then proposes the most suitable credit card and point program based on that information.Furthermore, by combining it with an emotion engine that recognizes the user's emotions and adjusts the content of proposals and notifications according to the user's emotions, a user-friendly system is provided.

[0338] System Configuration

[0339] 1. User Device

[0340] This is a device that allows users to input their life plan and budget information and acquire emotional data. Terminals such as PCs, smartphones, and tablets can be used.

[0341] 2. Server

[0342] The server stores and analyzes the entered information, recommends the most suitable credit card and point program to the user, and updates the executed payment information in the household account book.

[0343] 3. Database

[0344] MySQL (registered trademark) is used as a database connected to the server to store users' life plans and budget information.

[0345] 4. Emotion Engine

[0346] The emotion engine recognizes the user's emotions and adjusts the content of suggestions and progress notifications. The emotion engine analyzes data obtained from the device and determines the user's emotional state.

[0347] 5. Credit card company API

[0348] Used by the server to obtain payment information in real time.

[0349] Specifically, this system performs the following program processing: The user logs into the system using a terminal and enters their life plan and budget information. The terminal also uses a camera and microphone to collect the user's facial expressions and voice in real time and saves them as emotional data.

[0350] example:

[0351] As a specific example, a user inputs a life plan such as "two trips per year" into the device and sets budget information such as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." At this time, the device analyzes the user's facial expressions and voice to collect emotional data.

[0352] The collected data is sent to a server, which stores it in a database. The server then uses Python to analyze the data and calculates monthly disposable income and annual savings goals. For example, if monthly disposable income is 150,000 yen, it calculates that approximately 83,000 yen needs to be saved each month.

[0353] Based on the analysis results, the server suggests the most suitable credit card and point program for the user. For example, it may suggest "Credit card A for travel and credit card B for everyday use." At the same time, if the emotion engine judges the user's emotions to be positive, it will suggest a riskier payment method. When the user actually makes a payment using the suggested credit card, the server obtains the payment information in real time via the credit card company's API and reflects it in the household account book.

[0354] The server aggregates the user's spending information and compares it with the budget to evaluate the degree of goal achievement. The emotion engine adjusts the content of notifications based on the user's emotional data, notifying them with information such as, "Your savings for March are 80,000 yen. You have achieved 75% of your goal." The content of these notifications is also adjusted based on the user's emotions.

[0355] Prompt Sentence Examples

[0356] Design a system that recognizes user emotions. The system allows users to input their life plan and budget information, and then recommends the best credit cards and rewards programs based on that information. The system operates in the following steps: 1) input information, 2) store and analyze information, 3) generate recommendations, 4) execute, 5) update the household budget, and 6) evaluate and notify. The system adjusts the recommendations and notifications based on the user's emotions.

[0357] This system allows users to efficiently manage their household finances and receive detailed advice and notifications based on their emotions.

[0358] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0359] Program processing flow

[0360] Step 1: Enter your information

[0361] explanation

[0362] Users log in to the system using a device and enter their life plan and budget information. The device also uses a camera and microphone to collect the user's facial expressions and voice in real time and save them as emotional data.

[0363] Specific actions

[0364] Input: The user enters their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, annual savings goal of 1,000,000 yen) into the terminal.

[0365] Data processing: The device collects the user's facial expressions and voice and formats them as emotion data.

[0366] Output: Life plan, budget information, and emotional data entered into the device.

[0367] Step 2: Store and analyze information

[0368] explanation

[0369] The device sends the user's input data, such as life plan, budget information, and emotional data, to the server, which then stores the data in a database. The server then analyzes the data using analysis software and outputs the analysis results.

[0370] Specific actions

[0371] Input: Life plan, budget information, and emotional data sent from the device.

[0372] Data processing: The server stores the received data in a database (e.g., MySQL) and uses analytical software (e.g., Python) to calculate monthly disposable income and annual savings goals.

[0373] Output: Analysis results such as monthly disposable income and savings goals.

[0374] Step 3: Generate proposals

[0375] explanation

[0376] The server proposes the most suitable credit card and point program to the user based on the analysis results and emotional data, and the emotion engine adjusts the proposal content according to the user's emotions.

[0377] Specific actions

[0378] Input: Analysis results and emotion data.

[0379] Data processing: The server selects the most suitable credit card and point program, and the emotion engine analyzes the user's emotion data and adjusts the proposal content.

[0380] Output: Recommendations for the best credit cards and rewards programs.

[0381] Step 4: User execution

[0382] explanation

[0383] The user makes the actual payment using the proposed credit card. The server obtains the payment information in real time through the credit card company's API.

[0384] Specific actions

[0385] Input: The actual payment information the user makes using the suggested credit card.

[0386] Data processing: The server obtains and stores payment information in real time via the credit card company's API.

[0387] Output: Payment information captured in real time.

[0388] Step 5: Update your household finances

[0389] explanation

[0390] The server updates the household account book based on the acquired payment information, and manages household finances based on monthly and yearly expenditure and savings goals.

[0391] Specific actions

[0392] Input: Payment information captured in real time.

[0393] Data Processing: The server stores payment information in a database and uses automated scripts (e.g., SQL queries) to update monthly and yearly spending data.

[0394] Output: Updated household accounting data.

[0395] Step 6: Assess and communicate goal progress

[0396] explanation

[0397] The server aggregates the user's spending information and evaluates the progress of the goal by comparing it with the budget. The emotion engine adjusts the notification content based on the user's emotion data and notifies the user of the progress.

[0398] Specific actions

[0399] Input: Updated household accounting data and user emotion data.

[0400] Data processing: The server aggregates spending information and compares it with the budget. The emotion engine analyzes the aggregated results and emotion data to adjust the notification content.

[0401] Output: The notification message sent to the user (e.g., "You saved $80,000 in March. You're 75% of your goal.").

[0402] Through these steps, users can efficiently manage their finances and receive personalized advice and notifications based on their emotions.

[0403] (Application example 2)

[0404] 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."

[0405] Conventional household management systems were able to suggest optimal credit cards and point programs based on the user's life plan and budget information, but they were unable to adjust suggestions and notifications based on the user's emotional state. Furthermore, food delivery services lacked functionality such as optimal menu suggestions and appropriate coupon recommendations based on the user's emotions. This created a need for improved user satisfaction and usage efficiency.

[0406] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[0407] In this invention, the server includes means for analyzing the user's emotional data using an emotion engine and adjusting the content of suggestions, means for selecting a food delivery menu and analyzing the emotional data to adjust the meal suggestions, and means for acquiring payment and order information using the API of the credit card company and the API of the food delivery service. This enables detailed suggestions and notifications based on the user's emotional state, realizing a system that improves user satisfaction and usage efficiency.

[0408] A "user" is an individual who uses the system to input their life plan and budget information and receive recommendations for the most suitable credit card or point program.

[0409] A "terminal" is an electronic device used by a user to input information and receive suggestions and notifications from a server, and includes PCs, smartphones, tablets, etc.

[0410] "Life plan" refers to the life goals and plans that users want to achieve in the future.

[0411] "Budget Information" means financial data necessary for managing your household finances, such as your income, expenses, and savings goals.

[0412] A "server" is a central computer that stores the information entered by users, analyzes it, generates optimal suggestions, and sends notifications.

[0413] The "emotion engine" is a software engine that analyzes the user's emotional data and adjusts the content of suggestions and notifications based on the results.

[0414] "Emotional data" is data that indicates the user's emotional state and is obtained from facial expressions, voice, text, etc.

[0415] A "credit card" is a card-type payment method that users use to purchase goods and services.

[0416] A "points program" is a service in which points are awarded based on the amount of credit card usage, and these points can be exchanged for various benefits and products.

[0417] "Payment" refers to the act of a user paying for goods or services using a credit card or other means.

[0418] "Real-time" refers to processing occurring almost immediately in real time.

[0419] A "household account book" is a ledger that records the user's income and expenses and supports household management.

[0420] "Goal achievement" is an indicator that evaluates progress toward the savings goals and spending plans set by the user.

[0421] "Food delivery" is a service where you order food via the internet and have it delivered.

[0422] "Menu suggestion" refers to the act of recommending the most suitable meal menu to a user in a food delivery service.

[0423] A "coupon" refers to a ticket or code that can be used to receive special benefits or discounts, allowing users to make purchases at a discount.

[0424] An "API" is an interface that allows different software applications to communicate with each other and access data and functionality.

[0425] This invention is a system that allows users to input their life plan and budget information, and the server uses that information to suggest optimal credit cards and point programs, thereby achieving efficient household management. It also recognizes the user's emotions and adjusts the content of suggestions and notifications accordingly. It also suggests optimal menus and recommends appropriate coupons for food delivery services, based on the user's emotions.

[0426] System configuration

[0427] 1. User Device

[0428] This is a device that allows users to input their life plan and budget information and acquire emotional data. Terminals can include PCs, smartphones, and tablets.

[0429] 2. Server

[0430] The server is responsible for storing and analyzing the input life plan and budget information. It also suggests optimal credit cards and point programs to users and reflects the executed payment information in the household account book. Furthermore, the server is equipped with an emotion engine that analyzes the user's emotional data and adjusts the content of the suggestions.

[0431] 3. Database

[0432] The database is connected to the server and is responsible for storing the user's life plan and budget information.

[0433] 4. Emotion Engine

[0434] The emotion engine recognizes the user's emotions and adjusts the content of suggestions and progress notifications. The emotion engine analyzes data obtained from the device (e.g., facial expressions, voice, text) to determine the user's emotional state.

[0435] 5. Credit Card and Food Delivery APIs

[0436] The server uses the credit card company's API and the food delivery service's API to obtain payment information and order information in real time.

[0437] System Operation

[0438] 1. Enter your user information

[0439] The user logs into the system using a terminal and enters their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen). At the same time, the terminal also collects the user's emotional data (e.g., facial expressions, voice, and text).

[0440] 2. Data storage and analysis

[0441] The device sends the user's input life plan, budget information, and emotional data to the server, which stores the data in a database and begins analysis. The analysis then calculates the user's monthly disposable income and annual savings goal.

[0442] 3. Proposal Generation

[0443] Based on the analysis results, the server considers credit card return rates and point programs to recommend the most suitable credit card and point program to the user. The emotion engine analyzes the user's emotional data and adjusts the recommendations accordingly. For example, if the user is in a positive emotional state, it will suggest a risky payment method, and if the user is in a negative emotional state, it will suggest a safe payment method.

[0444] 4. Food delivery proposals

[0445] When a user uses a food delivery service, the server analyzes their emotional data using an emotion engine and suggests the most appropriate menu items and coupons based on their emotions. For example, if the emotion is positive, the server suggests new menu items and promotions, and if the emotion is negative, it suggests the user's favorite comfort food and discount coupons.

[0446] Specific examples

[0447] If Takahashi uses a food delivery app and enters "I'm busy, so I'd like to order dinner," and emotional data is collected, if the emotion is positive, suggestions for new menu items and information about limited-time promotions will be displayed. In addition, a credit card with a high point reward rate will be recommended as a payment method. A message such as "If you use credit card A today, you will receive a high point reward rate!" will be displayed.

[0448] Prompt Sentence Examples

[0449] "How can we provide optimal menu suggestions and coupons based on the emotional data of users when using food delivery services? Please pay particular attention to the difference between positive and negative emotions."

[0450] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0451] Step 1:

[0452] The user inputs life plan and budget information via a terminal and provides emotion data.

[0453] Input: Life plan (e.g., two trips per year), budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen), emotional data (e.g., facial expressions, voice, text)

[0454] How it works: The user logs in to the device, enters the required information using a form, and uses the camera and microphone to collect emotional data.

[0455] Output: The input data is stored on the terminal as a dataset for initial processing.

[0456] Step 2:

[0457] The terminal transmits the input data to the server.

[0458] Input: Life plan, budget information, and emotional data collected in Step 1

[0459] How it works: Data is sent from the device to the server via the API. Security measures such as encryption are applied during data transmission.

[0460] Output: The server stores the received data in the database.

[0461] Step 3:

[0462] The server analyzes the life plan and budget information stored in the database.

[0463] Input: Life plan and budget information stored in a database

[0464] How it works: The server extracts data from the database and uses analytical algorithms to calculate monthly disposable income and annual savings goals.

[0465] Output: The analysis results in the user's financial information (disposable income, savings goals, etc.).

[0466] Step 4:

[0467] The server proposes the most suitable credit card and point program based on the generated analysis results.

[0468] Input: Analysis results, credit card and rewards program database

[0469] How it works: The server evaluates credit card reward rates and rewards programs, and selects the most suitable card and program for the user.

[0470] Output: Best credit card and rewards program recommendations

[0471] Step 5:

[0472] The emotion engine analyzes the user's emotional data and adjusts the suggestions.

[0473] Input: User's emotional data, server analysis results

[0474] How it works: The emotion engine uses emotion recognition algorithms to analyze data and determine the user's emotional state. Suggestions are then tailored based on the emotion.

[0475] Output: Emotionally tailored recommendations

[0476] Step 6:

[0477] The user makes the payment using the suggested credit card and points program.

[0478] Input: Proposed credit card and rewards programs

[0479] How it works: The user selects a card according to the suggestions and makes the actual purchase and payment.

[0480] Output: The payment information is recorded in the credit card company's system and sent to the server.

[0481] Step 7:

[0482] The server obtains payment information in real time and updates the household account book.

[0483] Input: Payment information provided by the credit card company's API

[0484] How it works: The server uses the API to get the latest payment information and updates it in the user's household accounting database.

[0485] Output: Updated household account book

[0486] Step 8:

[0487] The server evaluates goal achievement and notifies the user of progress.

[0488] Input: Updated household account book, emotion data

[0489] How it works: The server analyzes the household finance data and evaluates the user's progress toward their savings goal. The emotion engine adjusts notifications based on the user's latest emotion data.

[0490] Output: Progress notification sent to the user (e.g., "You saved $80,000 in March. You're 75% of your goal.")

[0491] Step 9:

[0492] The user selects a food delivery menu, and the server suggests the most suitable menu based on emotional data.

[0493] Input: Food delivery app orders, user sentiment data

[0494] How it works: When a user selects a menu and places an order, the server analyzes the user's emotional state and provides menu suggestions and coupons according to the user's emotions.

[0495] Output: Optimal menu suggestions and coupons

[0496] 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.

[0497] 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.

[0498] 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.

[0499] [Second embodiment]

[0500] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0501] 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.

[0502] 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).

[0503] 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.

[0504] 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.

[0505] 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).

[0506] 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.

[0507] 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.

[0508] 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.

[0509] 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.

[0510] 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.

[0511] 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."

[0512] The present invention will now be described in detail with reference to how the elements of the user, terminal, and server cooperate and operate.

[0513] System Overview

[0514] The system of the present invention allows users to input their life plan and budget information, and based on that information, the server proposes the most suitable credit card and point program, and the user then makes payments using the proposed method, thereby achieving efficient household management.

[0515] System Configuration

[0516] 1. User Device

[0517] This is a device for users to input life plan and budget information. Terminals include PCs, smartphones, and tablets.

[0518] 2. Server

[0519] It stores and analyzes the entered information, suggests the most suitable credit card and point program to the user, and reflects the executed payment information in the household account book.

[0520] 3. Database

[0521] It is connected to a server and stores the user's life plan and budget information.

[0522] 4. Credit card company API

[0523] Used by the server to obtain payment information in real time.

[0524] Program processing

[0525] 1. Enter user information

[0526] The user logs in to the system using a terminal and enters their life plan (e.g., two trips a year, credit card training) and budget information (e.g., monthly income, fixed expenses, savings goals). The information entered by the user is sent to the server.

[0527] 2. Information storage and analysis

[0528] The server stores the received life plan and budget information in a database and performs analysis based on the data to calculate the user's monthly disposable income and annual savings goal.

[0529] 3. Proposal Generation

[0530] Based on the analysis results, the server considers the credit card's return rate and point program and proposes the most suitable credit card and point program. For example, it generates a proposal that Card A is suitable for travel and Card B is suitable for everyday shopping.

[0531] 4. User execution

[0532] The user checks the proposal from the server, selects a credit card as suggested, and makes the payment. The server obtains the user's payment information in real time via the credit card company's API.

[0533] 5. Update your household budget

[0534] The server then updates the household account book with the acquired payment information, allowing users to manage their household finances based on monthly and yearly expenditures and savings goals. Progress toward the user's savings goals is continuously recorded.

[0535] 6. Evaluation and notification of goal achievement

[0536] The server compiles the user's spending information and compares it with the budget to evaluate the progress of the goal. The evaluation results are periodically notified to the user, and information such as "Your savings for March were 80,000 yen, which means you have achieved 75% of your goal" is provided.

[0537] Specific examples

[0538] Let's assume that Mr. Sato has entered "two overseas trips per year" as his life plan, and set his budget information as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." The server receives this and analyzes it, calculating that his monthly disposable income is 150,000 yen and that he needs to save approximately 83,000 yen each month. Based on the analysis results, it suggests credit card A for travel and credit card B for everyday use, and Mr. Sato makes payments using these cards as suggested. The server obtains the payment information in real time, updates the household account book, and notifies Mr. Sato of his monthly goal achievement. For example, it sends a notification saying, "Savings for March are 80,000 yen. You have achieved 75% of your goal."

[0539] The system will enable Sato to manage her household finances efficiently and provide specific guidance on how to achieve her savings goals.

[0540] The processing flow will be explained below.

[0541] Step 1:

[0542] The user logs in to the system using a terminal and inputs their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen).

[0543] Step 2:

[0544] The terminal transmits the life plan and budget information entered by the user to the server. When transmission is complete, a confirmation message is displayed to the user.

[0545] Step 3:

[0546] The server saves the received life plan and budget information in the database, and then logs a confirmation message.

[0547] Step 4:

[0548] The server then begins analyzing the information stored in the database, performing calculations to calculate monthly disposable income and annual savings goals.

[0549] Step 5:

[0550] Based on the analysis results, the server executes a script that considers the credit card return rate and point program and proposes the most suitable credit card and point program for the user. For example, it generates a proposal such as "Card A for travel, Card B for everyday shopping."

[0551] Step 6:

[0552] The server sends the proposal to the terminal and displays it to the user, who then checks the proposal and chooses whether to accept it.

[0553] Step 7:

[0554] If the user accepts the offer, the actual payment is made using the proposed credit card. At the time of payment, transaction information is sent to the server using the credit card company's API.

[0555] Step 8:

[0556] The server obtains payment information in real time through the credit card company's API, and the information is stored in a database.

[0557] Step 9:

[0558] The server updates the household account book based on the payment information acquired. Specifically, the system manages household finances based on monthly and yearly expenditures and savings goals.

[0559] Step 10:

[0560] The server aggregates the user's spending information and executes an evaluation script to evaluate the achievement of the goal by comparing it with the budget. The evaluation result is generated as a notification message.

[0561] Step 11:

[0562] The server notifies the device of the evaluation results and displays a message indicating the user's progress. For example, it might say, "You saved 80,000 yen in March, achieving 75% of your goal." The user can then review this and decide what to do next.

[0563] Through the above steps, the system of the present invention can propose the most suitable credit card and point program based on the user's life plan and budget information, enabling efficient household management.

[0564] Example 1

[0565] 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."

[0566] Conventional household management systems require users to manually input spending information and select appropriate savings plans and credit cards, making efficient household management difficult. Furthermore, selecting the appropriate credit card or point program requires manual information collection and analysis, which is time-consuming and inaccurate. Furthermore, the lack of a mechanism for timely evaluation and notification of goal achievement makes it difficult for users to systematically manage their spending toward their goals.

[0567] 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.

[0568] In this invention, the server includes: means for a user to input life plan and budget information via a terminal; means for the server to save and analyze the input life plan and budget information; means for the server to suggest optimal credit cards and point programs based on the analysis results; means for the user to make payments based on the suggested credit cards and point programs; means for the server to obtain payment information in real time using a credit card company's communication protocol and reflect it in the household management record; means for the server to evaluate goal achievement and notify the user of progress; and means for using a generative AI model to suggest credit cards and point programs according to the user's life plan. This enables users to manage their household finances efficiently and accurately without hassle.

[0569] "User terminal" refers to the device used by a user to input life plan and budget information, specifically a PC, smartphone, tablet, etc.

[0570] A "server" is a computer system that stores and analyzes information entered by users and has the function of proposing the most suitable credit card and point program to users.

[0571] A "life plan" refers to the lifestyle plans and goals that users want to achieve in the future, specifically events including travel and big purchases.

[0572] "Budget Information" means financial information such as a user's income, expenses, and savings goals, including specific monetary data necessary for the user to manage their household finances.

[0573] A "credit card" is a plastic card issued by a financial institution that a user uses to make payments and provides a means of payment that can be used to make payments at a later date.

[0574] A "points program" refers to benefits and discounts that users can receive by using a specific credit card or payment method, and is a system in which points can be accumulated and exchanged for products and services.

[0575] A "communication protocol" refers to the standardized procedures and rules for a server to communicate with a credit card company, and specifically refers to the mechanism for obtaining data using an API.

[0576] "Household management records" refers to data that compiles information such as a user's income, expenses, and savings, and is a record that can be used as a household account book.

[0577] A "generative AI model" is an algorithm that uses artificial intelligence to analyze user data and suggest appropriate credit cards and point programs.

[0578] "Goal achievement" is an indicator that evaluates the actual progress toward the savings goal or spending plan set by the user, and is used by the server to notify the user of the progress.

[0579] The present invention will be described below with reference to how the elements of the user, terminal, and server cooperate and operate in detail.

[0580] System Overview

[0581] The system of the present invention allows users to input their life plan and budget information, and based on that information, the server proposes the most suitable credit card and point program, and the user then makes payments using the proposed method, thereby achieving efficient household management.

[0582] System Configuration

[0583] 1. User Device

[0584] This is a device for users to input life plan and budget information. Terminals include PCs, smartphones, and tablets.

[0585] 2. Server

[0586] It is responsible for storing and analyzing the entered information. It also suggests the most suitable credit card and point program to the user and reflects the executed payment information in the household account book. The server performs analysis and suggestions using a generative AI model.

[0587] 3. Database

[0588] It connects to a server and stores the user's life plan and budget information, often in an SQL database.

[0589] 4. Credit card company communication protocols

[0590] The server uses this to obtain payment information in real time, specifically via the APIs of VISA and MasterCard.

[0591] Program processing

[0592] Enter user information

[0593] The user logs into the system using a terminal and enters their life plan and budget information. For example, they enter information such as "two overseas trips per year" or "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." The information entered by the user is sent to the server.

[0594] Information storage and analysis

[0595] The server then stores the received life plan and budget information in a database and performs analysis using Python and R programming languages ​​to calculate the user's monthly disposable income and annual savings goal.

[0596] Proposal Generation

[0597] Based on the analysis results, the server considers the credit card's return rate and point program and proposes the most suitable credit card and point program. For example, it generates a proposal that Card A is suitable for travel and Card B is suitable for everyday shopping. A generative AI model is used to make the proposal.

[0598] User execution

[0599] The user checks the proposal from the server, selects a credit card as suggested, and makes the payment. The server obtains the user's payment information in real time via the credit card company's communication protocol.

[0600] Updating your household budget

[0601] The server updates the acquired payment information into the household account book, allowing users to manage their household finances based on monthly and yearly spending and savings goals. Data is automatically entered into household accounting software (e.g., Microsoft Excel, Google Sheets).

[0602] Goal achievement evaluation and notification

[0603] The server aggregates the user's spending information and compares it with the budget to evaluate the progress of the goal. The evaluation results are periodically notified to the user. For example, information such as "Your savings for March were 80,000 yen, which means you have achieved 75% of your goal" is provided. Notifications are sent using Firebase Cloud Messaging and Amazon SNS.

[0604] Specific examples

[0605] For example, consider the case where Mr. Sato enters "two overseas trips per year" as his life plan, and sets "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen" as his budget information. The server receives this and analyzes it, calculating that his monthly disposable income is 150,000 yen and that he needs to save approximately 83,000 yen each month. Based on the analysis results, it suggests credit card A for travel and credit card B for everyday use, and Mr. Sato makes payments using these cards as suggested. The server obtains payment information in real time, updates the household account book, and notifies Mr. Sato of his monthly goal achievement. For example, it sends a notification saying, "Savings for March are 80,000 yen. You have achieved 75% of your goal."

[0606] Prompt Sentence Examples

[0607] "I'm planning a trip and have entered "two international trips per year" as part of my life plan. My budget information is "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and an annual savings goal of 1 million yen." Please suggest a credit card and points program that would be suitable for me."

[0608] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0609] Step 1: User logs into the system via a terminal

[0610] Input: User ID and password

[0611] Processing: The terminal sends the user ID and password to the server, which checks them against the database and performs authentication.

[0612] Output: If authentication is successful, the dashboard screen will be displayed on the user's device. If authentication is unsuccessful, an error message will be displayed.

[0613] Specific operation: The user opens the login screen on the device, enters their ID and password, and clicks the "Login" button.

[0614] Step 2: The user inputs life plan and budget information via the terminal.

[0615] Input: Life plan (e.g., "Two overseas trips per year"), budget information (e.g., "Monthly income of 300,000 yen," "Fixed expenses of 150,000 yen," "Annual savings goal of 1 million yen")

[0616] Processing: The user enters information into the dashboard input form, and the device sends the input information to the server.

[0617] Output: The input is saved on the server.

[0618] Specific behavior: The user fills out the dashboard input form with life plan and budget information and clicks the "Submit" button.

[0619] Step 3: The server stores the received information in a database

[0620] Input: Life plan and budget information

[0621] Process: The server uses an SQL query to save the information to a database

[0622] Output: User information is updated in the database

[0623] Specific operation: The server saves the received information using an "INSERT INTO" query.

[0624] Step 4: The server performs analysis based on the stored information

[0625] Input: Saved life plan and budget information

[0626] Processing: The server uses a Python script to calculate disposable income and savings goals.

[0627] Output: The analysis results are "monthly savings goal" and "yearly savings goal"

[0628] Specific operation: Reads the information stored in the database and calculates disposable income by subtracting "fixed expenses" from "monthly income"

[0629] Step 5: The server recommends the best credit cards and rewards programs

[0630] Input: Analysis results (e.g., "Monthly savings goal," "Yearly savings goal")

[0631] Processing: Using generative AI models to recommend the best credit cards and rewards programs

[0632] Output: Display suggestions to the user (e.g., "Use Card A for travel, Card B for everyday shopping")

[0633] How it works: The AI ​​model analyzes reward rates and point programs and notifies users of the best options.

[0634] Step 6: User pays using suggested credit card

[0635] Input: Proposed credit card

[0636] Processing: The user pays with a credit card, and the server obtains payment information using the credit card company's communication protocol.

[0637] Output: Payment information is saved in the database in real time.

[0638] Specific Action: User makes a purchase using a credit card at a specified location or online

[0639] Step 7: The server updates the payment information to the household account book.

[0640] Input: Payment information obtained in real time

[0641] Processing: The server automatically inputs payment information into household accounting software (e.g., Excel or Google Sheets).

[0642] Output: Household account book updated

[0643] Specific operation: The data acquired by the server is automatically entered into the household accounting software using an API.

[0644] Step 8: The server evaluates the goal achievement and notifies the user

[0645] Input: Household account data

[0646] Processing: The server performs calculations to evaluate the progress of the goal and sends notifications to the user using the notification system.

[0647] Output: Notification to the user (e.g., "You saved $80,000 in March, achieving 75% of your goal.")

[0648] Specific behavior: Sends notifications to the user's device using Firebase Cloud Messaging or Amazon SNS.

[0649] (Application example 1)

[0650] 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."

[0651] Conventional household management systems have struggled to provide efficient household management based on the life plan and budget information entered by the user. Comprehensive integration of functions is required, such as suggesting optimal credit cards and point programs, acquiring payment information in real time and updating it in the household ledger, and evaluating monthly and annual savings status. A method is also needed to generate prompts using a generative AI model and continuously update optimal suggestions.

[0652] 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.

[0653] In this invention, the server includes a means for aggregating the user's payment information and evaluating the monthly and yearly savings status, a means for evaluating the degree of achievement of monthly savings goals and notifying the user of specific progress, and a means for generating prompts using a generative AI model to suggest optimal credit cards and point programs, thereby enabling efficient and accurate household management.

[0654] A "user" is someone who inputs life plans and budget information via the server and receives offers for credit cards and point programs.

[0655] "Terminal" means a device used by a user to input life plan and budget information, including a smartphone or tablet.

[0656] A "life plan" is a lifestyle plan set by the user, and includes specific activities and goals such as overseas travel and savings goals.

[0657] "Budget information" refers to financial information entered by the user, such as monthly income, fixed expenses, and savings goals.

[0658] The "server" is a computer system that stores and analyzes the life plan and budget information entered by the user, generates optimal credit card and point program proposals, and obtains payment information in real time and reflects it in the household account book.

[0659] "Analysis results" are the results of the analysis performed by the server based on the user's life plan and budget information.

[0660] A "credit card" is a card that a user uses to pay for goods or services, and is the card that the server will suggest.

[0661] A "points program" is a system for managing points earned in response to credit card usage.

[0662] "Payment Information" means detailed information about transactions made by a User using a credit card.

[0663] A "household account book" is a means of recording and managing a user's income and expenses and progress toward savings goals.

[0664] "Goal achievement" measures the actual progress of the user toward the savings goal they set.

[0665] "Progress" refers to the progress of a user toward the goals they have set.

[0666] "API" stands for Application Programming Interface, a means by which different software systems communicate with each other.

[0667] A "generative AI model" is a model that uses artificial intelligence to generate prompt sentences, and serves as the basis for suggesting optimal credit cards and point programs.

[0668] A "prompt sentence" is an input sentence that a generative AI model uses to generate suggestions.

[0669] The present invention is a household management system in which a user inputs life plan and budget information, and a server analyzes the information and proposes optimal credit cards and point programs. This system is implemented using the following means.

[0670] System configuration

[0671] The system mainly consists of the following elements:

[0672] 1. User Device

[0673] This is a device for users to input life plan and budget information. A variety of devices, including smartphones and tablets, can be used.

[0674] 2. Server

[0675] The system saves and analyzes the input life plan and budget information, and suggests the most suitable credit card and point program based on the analysis results. It also obtains the user's payment information in real time and reflects it in the household account book.

[0676] 3. Database

[0677] It is connected to a server and is used to store the user's life plan and budget information.

[0678] 4. Credit card company API

[0679] Used by the server to capture payment information in real time.

[0680] 5. Generative AI Models

[0681] Generate prompt sentences to suggest the best credit card and point program.

[0682] Processing flow

[0683] 1. Enter your user information

[0684] The user uses a terminal to input life plans and budget information into the system. For example, the user can input a life plan such as "two overseas trips per year" and budget information such as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen."

[0685] 2. Information storage and analysis

[0686] The server stores the entered life plan and budget information in a database and performs analysis based on this information, calculating monthly disposable income and annual savings goals.

[0687] 3. Prompt generation using a generative AI model

[0688] The generative AI model generates prompts and suggests the most suitable credit cards and point programs based on these. For example, it generates a prompt such as, "Suggest the most suitable credit cards and point programs based on the user's annual savings goal."

[0689] 4. Proposal Production

[0690] Based on the analysis results and the prompt, the server will suggest the best credit card and point program for a specific condition. For example, it may suggest that Credit Card A is suitable for travel and Credit Card B is suitable for everyday shopping.

[0691] 5. Acquiring payment information and reflecting it in the household account book

[0692] The server uses the credit card company's API to obtain payment information in real time and updates the household account book based on this information.

[0693] 6. Evaluation and notification of goal achievement

[0694] The server compiles monthly and yearly spending information, evaluates the user's progress toward their savings goal, and periodically notifies the user of their progress. For example, the server sends a notification saying, "You saved 80,000 yen in March, achieving 75% of your goal."

[0695] Specific examples

[0696] Suppose Mr. Sato sets "two overseas trips a year" as his life plan and enters "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen" as his budget information. The server analyzes this information and calculates that his monthly disposable income is 150,000 yen and that he needs to save approximately 83,000 yen each month. Based on this, it suggests credit card A for travel and credit card B for everyday use. Mr. Sato makes payments using these cards, and the server obtains the payment information in real time and updates it in the household account book. At the end of the month, the server sends a notification saying, "Your savings for this month are 80,000 yen, which means you've achieved 75% of your goal."

[0697] Example prompt sentence:

[0698] "We will explain the design and implementation of a smart finance management app that suggests the most suitable credit card based on the user's life plan and budget information, and updates the payment information in the household ledger."

[0699] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0700] Step 1:

[0701] Enter your user information:

[0702] Users use their own devices to input their life plan and budget information, such as annual savings goals, monthly income, fixed expenses, travel plans, etc. This information is then sent to the server.

[0703] Input: User's life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, annual savings goal of 1 million yen)

[0704] Output: Life plan and budget information data

[0705] Step 2:

[0706] Information storage:

[0707] The server stores the life plan and budget information sent by the user in a database, ensuring the data necessary for subsequent analysis.

[0708] Input: User's life plan and budget information

[0709] Output: Life plan and budget information stored in a database

[0710] Step 3:

[0711] Analysis of information:

[0712] The server performs an analysis based on the stored life plan and budget information, calculating monthly disposable income and annual savings goals.

[0713] Input: Life plan and budget information stored in a database

[0714] Output: Monthly disposable income, annual savings goal data

[0715] Step 4:

[0716] Prompt generation using a generative AI model:

[0717] The server uses a generative AI model to generate prompts to suggest the most suitable credit cards and point programs.

[0718] Input: Analysis results (e.g. disposable income, savings goal)

[0719] Output: Prompt for suggestion

[0720] Step 5:

[0721] Proposal generation:

[0722] The server generates recommendations for optimal credit cards and rewards programs based on the generated prompts. For example, it may suggest that Card A is suitable for a specific life plan, while Card B is suitable for everyday shopping.

[0723] Input: Prompt text, credit card reward rate and point program information

[0724] Output: Best credit card and rewards program recommendations

[0725] Step 6:

[0726] Get payment information:

[0727] The user makes a payment using the proposed credit card. The server obtains payment information in real time using the credit card company's API.

[0728] Input: User payment action, credit card company payment information API

[0729] Output: Real-time payment information

[0730] Step 7:

[0731] Reflection in household budget:

[0732] The server updates the user's household account book based on the acquired payment information, allowing the user to understand their current spending situation.

[0733] Input: Real-time payment information

[0734] Output: Updated household account book

[0735] Step 8:

[0736] Goal achievement assessment and notification:

[0737] The server compiles the user's monthly and yearly spending information, evaluates the degree of achievement of the savings goal, and notifies the user of the specific progress. For example, it may notify the user that "You saved 80,000 yen in March, achieving 75% of your goal."

[0738] Input: Updated household budget and savings goal information

[0739] Output: Progress notification to the user

[0740] 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.

[0741] The present invention will now be described in detail, showing how the elements of the user, terminal, server, and emotion engine cooperate and operate.

[0742] System Overview

[0743] The system of the present invention realizes efficient household management by having the user input their life plan and budget information, and then having the server suggest the most suitable credit card and point program based on that information, and then having the user make payments using the suggested method.Furthermore, by combining it with an emotion engine that recognizes the user's emotions and adjusts the content of suggestions and notifications according to the user's emotions, we provide a user-friendly system.

[0744] System Configuration

[0745] 1. User Device

[0746] This is a device that allows users to input their life plan and budget information and acquire emotional data. Terminals such as PCs, smartphones, and tablets can be used.

[0747] 2. Server

[0748] It stores and analyzes the entered information, suggests the most suitable credit card and point program to the user, and reflects the executed payment information in the household account book.

[0749] 3. Database

[0750] It is connected to a server and stores the user's life plan and budget information.

[0751] 4. Emotion Engine

[0752] It has the ability to recognize the user's emotions and adjust the suggestions and progress notifications. The emotion engine analyzes data obtained from the device and determines the user's emotional state.

[0753] 5. Credit card company API

[0754] Used by the server to obtain payment information in real time.

[0755] Program processing

[0756] 1. Enter user information

[0757] A user logs in to the system using a terminal and inputs their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen). In addition, the terminal collects the user's emotional data (e.g., facial expressions, voice, and text).

[0758] 2. Information storage and analysis

[0759] The device sends the user's input life plan, budget information, and emotional data to the server. The server stores the received data in a database and begins analysis. The analysis calculates the user's monthly disposable income and annual savings goal.

[0760] 3. Proposal Generation

[0761] Based on the analysis results, the server considers credit card return rates and point programs to recommend the most suitable credit card and point program for the user. Furthermore, the emotion engine analyzes the user's emotional data and adjusts the recommendations accordingly. For example, if the user is in a positive emotional state, it will suggest a risky payment method, and if the user is in a negative emotional state, it will suggest a safe payment method.

[0762] 4. User execution

[0763] The user makes the actual payment using the proposed credit card. The server obtains the user's payment information in real time through the credit card company's API.

[0764] 5. Update your household budget

[0765] The server updates the household account book based on the acquired payment information, specifically managing household finances based on monthly and yearly expenditures and savings goals.

[0766] 6. Evaluation and notification of goal achievement

[0767] The server aggregates the user's spending information and compares it with the budget to evaluate the degree of goal achievement. The emotion engine adjusts the notification content based on the user's emotional data and notifies the user of their progress. For example, information such as "Your savings for March are 80,000 yen. You have achieved 75% of your goal" is adjusted according to the user's emotional state.

[0768] Specific examples

[0769] Suppose Suzuki-san enters "two overseas trips per year" as her life plan and sets her budget information as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." The server receives and analyzes this information, calculating that her monthly disposable income is 150,000 yen and that she needs to save approximately 83,000 yen per month. Based on the analysis results, it recommends credit card A for travel and credit card B for everyday use. Furthermore, the emotion engine determines Suzuki-san's emotions to be positive and suggests a risky payment method. Suzuki-san makes payments using these cards as suggested. The server obtains payment information in real time, updates the household account book, and notifies Suzuki-san of her monthly goal progress. For example, it sends a notification saying, "Savings for March are 80,000 yen. 75% of the goal achieved." The content of this notification is also adjusted based on Suzuki-san's emotions.

[0770] This system will enable Suzuki to efficiently manage her household finances and receive detailed advice and notifications tailored to her emotions.

[0771] The processing flow will be explained below.

[0772] Step 1:

[0773] The user logs in to the system using a terminal. The user enters their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen). The terminal also collects the user's emotional data (e.g., from a facial recognition camera or voice input).

[0774] Step 2:

[0775] The terminal transmits the life plan, budget information, and emotion data entered by the user to the server. When transmission is complete, a confirmation message is displayed to the user.

[0776] Step 3:

[0777] The server stores the received life plan, budget information, and emotion data in a database. After storing the data, it labels the data and prepares it for analysis.

[0778] Step 4:

[0779] The server retrieves the necessary data from the database and begins analyzing the life plan and budget information, performing calculations to calculate monthly disposable income and annual savings goals.

[0780] Step 5:

[0781] Based on the analysis results, the server considers credit card return rates and point programs to recommend the most suitable credit card and point program for the user. The emotion engine also analyzes the emotional data and adjusts the recommendations based on the user's emotional state. For example, if the user's emotional state is positive, it will suggest a risky payment method, and if the user's emotional state is negative, it will suggest a safe payment method.

[0782] Step 6:

[0783] The server sends the proposal to the terminal and displays it to the user. The user checks the proposal and chooses whether to accept it. If the user accepts, he or she clicks the "Confirm" button.

[0784] Step 7:

[0785] If the user accepts the offer, the actual payment is made using the proposed credit card. At the time of payment, transaction information is sent to the server using the credit card company's API.

[0786] Step 8:

[0787] The server obtains payment information in real time through the credit card company's API. The obtained information is saved in a database. After saving, a confirmation message is recorded in the server log.

[0788] Step 9:

[0789] The server updates the household account book based on the payment information acquired. Specifically, it executes update processing to manage household finances based on monthly and yearly expenditures and savings goals.

[0790] Step 10:

[0791] The server aggregates the user's spending information and executes an evaluation script that evaluates the progress of the goal by comparing it with the budget. The emotion engine adjusts the notification content based on the user's emotion data and generates messages to notify the user of the progress.

[0792] Step 11:

[0793] The server sends the evaluation results and a notification message to the device, which displays them to the user. For example, the message might read, "Your savings for March are 80,000 yen. You've achieved 75% of your goal." The content of the message is also adjusted based on the user's emotional state. The user can review the message and decide on their next action.

[0794] Through these steps, the system of the present invention can propose optimal credit cards and point programs based on the user's life plan, budget information, and emotional data, enabling efficient household finance management. The emotion engine provides detailed advice and notifications that reflect the user's emotional state.

[0795] Example 2

[0796] 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."

[0797] While conventional household management systems have mechanisms for managing budgets based on the user's life plan and budget information, they are unable to provide advice or suggestions that take the user's emotions into consideration. This makes it difficult for users to manage their spending appropriately from an emotional perspective. Furthermore, there is also the issue of users being unable to efficiently manage their household finances because payment information is not acquired in real time and reflected in the household account book smoothly.

[0798] The specific processing by the specific processing unit 290 of the data processing device 12 in Example 2 is realized by the following means. In this invention, the server includes: means for the user to input a life plan and budget information via a terminal; means for the terminal to collect emotional data of the user; means for the server to save and analyze the input life plan and budget information and emotional data; means for the server to suggest an optimal credit card and point program based on the analysis results and the emotional data; means for the user to make a payment based on the suggested credit card and point program; means for the server to obtain payment information in real time using the API of the credit card company and reflect it in the household account book; and means for the server to evaluate the degree of goal achievement using the emotional data and notify the user of the progress.

[0799] This allows users to efficiently manage their household finances and receive detailed advice and notifications tailored to their emotions.

[0800] A "user terminal" is a device on which a user inputs life plan and budget information and collects emotional data. Examples of such devices include PCs, smartphones, and tablets.

[0801] The "server" is a device that stores and analyzes the input life plan, budget information, and emotional data. The server also plays a role in proposing optimal credit cards and point programs.

[0802] A "life plan" refers to the lifestyle plans and goals set by the user, such as two trips per year.

[0803] "Budget information" is information that indicates a user's financial plan, such as monthly income, expenses, savings goals, etc. For example, a monthly income of 300,000 yen, fixed expenses of 150,000 yen, and an annual savings goal of 1 million yen.

[0804] "Emotion data" is data that represents the user's emotional state and is collected based on facial expressions, voice, text, and the like.

[0805] A "credit card company API" is an application programming interface provided by a credit card company, which can be used to obtain payment information in real time.

[0806] A "household account book" is a book or electronic record used to record a user's income and expenses and is used for budgetary management.

[0807] The "emotion engine" is an engine that has the function of analyzing the user's emotional data and appropriately adjusting the content of suggestions and notifications.

[0808] MODE FOR CARRYING OUT THE INVENTION

[0809] The system of this invention realizes efficient household management by having the user input their life plan and budget information, and the server then proposes the most suitable credit card and point program based on that information.Furthermore, by combining it with an emotion engine that recognizes the user's emotions and adjusts the content of proposals and notifications according to the user's emotions, a user-friendly system is provided.

[0810] System Configuration

[0811] 1. User Device

[0812] This is a device that allows users to input their life plan and budget information and acquire emotional data. Terminals such as PCs, smartphones, and tablets can be used.

[0813] 2. Server

[0814] The server stores and analyzes the entered information, recommends the most suitable credit card and point program to the user, and updates the executed payment information in the household account book.

[0815] 3. Database

[0816] MySQL is used as a database connected to the server to store users' life plans and budget information.

[0817] 4. Emotion Engine

[0818] The emotion engine recognizes the user's emotions and adjusts the content of suggestions and progress notifications. The emotion engine analyzes data obtained from the device and determines the user's emotional state.

[0819] 5. Credit card company API

[0820] Used by the server to obtain payment information in real time.

[0821] Specifically, this system performs the following program processing: The user logs into the system using a terminal and enters their life plan and budget information. The terminal also uses a camera and microphone to collect the user's facial expressions and voice in real time and saves them as emotional data.

[0822] example:

[0823] As a specific example, a user inputs a life plan such as "two trips per year" into the device and sets budget information such as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." At this time, the device analyzes the user's facial expressions and voice to collect emotional data.

[0824] The collected data is sent to a server, which stores it in a database. The server then uses Python to analyze the data and calculates monthly disposable income and annual savings goals. For example, if monthly disposable income is 150,000 yen, it calculates that approximately 83,000 yen needs to be saved each month.

[0825] Based on the analysis results, the server suggests the most suitable credit card and point program for the user. For example, it may suggest "Credit card A for travel and credit card B for everyday use." At the same time, if the emotion engine judges the user's emotions to be positive, it will suggest a riskier payment method. When the user actually makes a payment using the suggested credit card, the server obtains the payment information in real time via the credit card company's API and reflects it in the household account book.

[0826] The server aggregates the user's spending information and compares it with the budget to evaluate the degree of goal achievement. The emotion engine adjusts the content of notifications based on the user's emotional data, notifying them with information such as, "Your savings for March are 80,000 yen. You have achieved 75% of your goal." The content of these notifications is also adjusted based on the user's emotions.

[0827] Prompt Sentence Examples

[0828] Design a system that recognizes user emotions. The system allows users to input their life plan and budget information, and then recommends the best credit cards and rewards programs based on that information. The system operates in the following steps: 1) input information, 2) store and analyze information, 3) generate recommendations, 4) execute, 5) update the household budget, and 6) evaluate and notify. The system adjusts the recommendations and notifications based on the user's emotions.

[0829] This system allows users to efficiently manage their household finances and receive detailed advice and notifications based on their emotions.

[0830] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0831] Program processing flow

[0832] Step 1: Enter your information

[0833] explanation

[0834] Users log in to the system using a device and enter their life plan and budget information. The device also uses a camera and microphone to collect the user's facial expressions and voice in real time and save them as emotional data.

[0835] Specific actions

[0836] Input: The user enters their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, annual savings goal of 1,000,000 yen) into the terminal.

[0837] Data processing: The device collects the user's facial expressions and voice and formats them as emotion data.

[0838] Output: Life plan, budget information, and emotional data entered into the device.

[0839] Step 2: Store and analyze information

[0840] explanation

[0841] The device sends the user's input data, such as life plan, budget information, and emotional data, to the server, which then stores the data in a database. The server then analyzes the data using analysis software and outputs the analysis results.

[0842] Specific actions

[0843] Input: Life plan, budget information, and emotional data sent from the device.

[0844] Data processing: The server stores the received data in a database (e.g., MySQL) and uses analytical software (e.g., Python) to calculate monthly disposable income and annual savings goals.

[0845] Output: Analysis results such as monthly disposable income and savings goals.

[0846] Step 3: Generate proposals

[0847] explanation

[0848] The server proposes the most suitable credit card and point program to the user based on the analysis results and emotional data, and the emotion engine adjusts the proposal content according to the user's emotions.

[0849] Specific actions

[0850] Input: Analysis results and emotion data.

[0851] Data processing: The server selects the most suitable credit card and point program, and the emotion engine analyzes the user's emotion data and adjusts the proposal content.

[0852] Output: Recommendations for the best credit cards and rewards programs.

[0853] Step 4: User execution

[0854] explanation

[0855] The user makes the actual payment using the proposed credit card. The server obtains the payment information in real time through the credit card company's API.

[0856] Specific actions

[0857] Input: The actual payment information the user makes using the suggested credit card.

[0858] Data processing: The server obtains and stores payment information in real time via the credit card company's API.

[0859] Output: Payment information captured in real time.

[0860] Step 5: Update your household finances

[0861] explanation

[0862] The server updates the household account book based on the acquired payment information, and manages household finances based on monthly and yearly expenditure and savings goals.

[0863] Specific actions

[0864] Input: Payment information captured in real time.

[0865] Data Processing: The server stores payment information in a database and uses automated scripts (e.g., SQL queries) to update monthly and yearly spending data.

[0866] Output: Updated household accounting data.

[0867] Step 6: Assess and communicate goal progress

[0868] explanation

[0869] The server aggregates the user's spending information and evaluates the progress of the goal by comparing it with the budget. The emotion engine adjusts the notification content based on the user's emotion data and notifies the user of the progress.

[0870] Specific actions

[0871] Input: Updated household accounting data and user emotion data.

[0872] Data processing: The server aggregates spending information and compares it with the budget. The emotion engine analyzes the aggregated results and emotion data to adjust the notification content.

[0873] Output: The notification message sent to the user (e.g., "You saved $80,000 in March. You're 75% of your goal.").

[0874] Through these steps, users can efficiently manage their finances and receive personalized advice and notifications based on their emotions.

[0875] (Application example 2)

[0876] 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."

[0877] Conventional household management systems were able to suggest optimal credit cards and point programs based on the user's life plan and budget information, but they were unable to adjust suggestions and notifications based on the user's emotional state. Furthermore, food delivery services lacked functionality such as optimal menu suggestions and appropriate coupon recommendations based on the user's emotions. This created a need for improved user satisfaction and usage efficiency.

[0878] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[0879] In this invention, the server includes means for analyzing the user's emotional data using an emotion engine and adjusting the content of suggestions, means for selecting a food delivery menu and analyzing the emotional data to adjust the meal suggestions, and means for acquiring payment and order information using the API of the credit card company and the API of the food delivery service. This enables detailed suggestions and notifications based on the user's emotional state, realizing a system that improves user satisfaction and usage efficiency.

[0880] A "user" is an individual who uses the system to input their life plan and budget information and receive recommendations for the most suitable credit card or point program.

[0881] A "terminal" is an electronic device used by a user to input information and receive suggestions and notifications from a server, and includes PCs, smartphones, tablets, etc.

[0882] "Life plan" refers to the life goals and plans that users want to achieve in the future.

[0883] "Budget Information" means financial data necessary for managing your household finances, such as your income, expenses, and savings goals.

[0884] A "server" is a central computer that stores the information entered by users, analyzes it, generates optimal suggestions, and sends notifications.

[0885] The "emotion engine" is a software engine that analyzes the user's emotional data and adjusts the content of suggestions and notifications based on the results.

[0886] "Emotional data" is data that indicates the user's emotional state and is obtained from facial expressions, voice, text, etc.

[0887] A "credit card" is a card-type payment method that users use to purchase goods and services.

[0888] A "points program" is a service in which points are awarded based on the amount of credit card usage, and these points can be exchanged for various benefits and products.

[0889] "Payment" refers to the act of a user paying for goods or services using a credit card or other means.

[0890] "Real-time" refers to processing occurring almost immediately in real time.

[0891] A "household account book" is a ledger that records the user's income and expenses and supports household management.

[0892] "Goal achievement" is an indicator that evaluates progress toward the savings goals and spending plans set by the user.

[0893] "Food delivery" is a service where you order food via the internet and have it delivered.

[0894] "Menu suggestion" refers to the act of recommending the most suitable meal menu to a user in a food delivery service.

[0895] A "coupon" refers to a ticket or code that can be used to receive special benefits or discounts, allowing users to make purchases at a discount.

[0896] An "API" is an interface that allows different software applications to communicate with each other and access data and functionality.

[0897] This invention is a system that allows users to input their life plan and budget information, and the server uses that information to suggest optimal credit cards and point programs, thereby achieving efficient household management. It also recognizes the user's emotions and adjusts the content of suggestions and notifications accordingly. It also suggests optimal menus and recommends appropriate coupons for food delivery services, based on the user's emotions.

[0898] System configuration

[0899] 1. User Device

[0900] This is a device that allows users to input their life plan and budget information and acquire emotional data. Terminals can include PCs, smartphones, and tablets.

[0901] 2. Server

[0902] The server is responsible for storing and analyzing the input life plan and budget information. It also suggests optimal credit cards and point programs to users and reflects the executed payment information in the household account book. Furthermore, the server is equipped with an emotion engine that analyzes the user's emotional data and adjusts the content of the suggestions.

[0903] 3. Database

[0904] The database is connected to the server and is responsible for storing the user's life plan and budget information.

[0905] 4. Emotion Engine

[0906] The emotion engine recognizes the user's emotions and adjusts the content of suggestions and progress notifications. The emotion engine analyzes data obtained from the device (e.g., facial expressions, voice, text) to determine the user's emotional state.

[0907] 5. Credit Card and Food Delivery APIs

[0908] The server uses the credit card company's API and the food delivery service's API to obtain payment information and order information in real time.

[0909] System Operation

[0910] 1. Enter your user information

[0911] The user logs into the system using a terminal and enters their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen). At the same time, the terminal also collects the user's emotional data (e.g., facial expressions, voice, and text).

[0912] 2. Data storage and analysis

[0913] The device sends the user's input life plan, budget information, and emotional data to the server, which stores the data in a database and begins analysis. The analysis then calculates the user's monthly disposable income and annual savings goal.

[0914] 3. Proposal Generation

[0915] Based on the analysis results, the server considers credit card return rates and point programs to recommend the most suitable credit card and point program to the user. The emotion engine analyzes the user's emotional data and adjusts the recommendations accordingly. For example, if the user is in a positive emotional state, it will suggest a risky payment method, and if the user is in a negative emotional state, it will suggest a safe payment method.

[0916] 4. Food delivery proposals

[0917] When a user uses a food delivery service, the server analyzes their emotional data using an emotion engine and suggests the most appropriate menu items and coupons based on their emotions. For example, if the emotion is positive, the server suggests new menu items and promotions, and if the emotion is negative, it suggests the user's favorite comfort food and discount coupons.

[0918] Specific examples

[0919] If Takahashi uses a food delivery app and enters "I'm busy, so I'd like to order dinner," and emotional data is collected, if the emotion is positive, suggestions for new menu items and information about limited-time promotions will be displayed. In addition, a credit card with a high point reward rate will be recommended as a payment method. A message such as "If you use credit card A today, you will receive a high point reward rate!" will be displayed.

[0920] Prompt Sentence Examples

[0921] "How can we provide optimal menu suggestions and coupons based on the emotional data of users when using food delivery services? Please pay particular attention to the difference between positive and negative emotions."

[0922] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0923] Step 1:

[0924] The user inputs life plan and budget information via a terminal and provides emotion data.

[0925] Input: Life plan (e.g., two trips per year), budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen), emotional data (e.g., facial expressions, voice, text)

[0926] How it works: The user logs in to the device, enters the required information using a form, and uses the camera and microphone to collect emotional data.

[0927] Output: The input data is stored on the terminal as a dataset for initial processing.

[0928] Step 2:

[0929] The terminal transmits the input data to the server.

[0930] Input: Life plan, budget information, and emotional data collected in Step 1

[0931] How it works: Data is sent from the device to the server via the API. Security measures such as encryption are applied during data transmission.

[0932] Output: The server stores the received data in the database.

[0933] Step 3:

[0934] The server analyzes the life plan and budget information stored in the database.

[0935] Input: Life plan and budget information stored in a database

[0936] How it works: The server extracts data from the database and uses analytical algorithms to calculate monthly disposable income and annual savings goals.

[0937] Output: The analysis results in the user's financial information (disposable income, savings goals, etc.).

[0938] Step 4:

[0939] The server proposes the most suitable credit card and point program based on the generated analysis results.

[0940] Input: Analysis results, credit card and rewards program database

[0941] How it works: The server evaluates credit card reward rates and rewards programs, and selects the most suitable card and program for the user.

[0942] Output: Best credit card and rewards program recommendations

[0943] Step 5:

[0944] The emotion engine analyzes the user's emotional data and adjusts the suggestions.

[0945] Input: User's emotional data, server analysis results

[0946] How it works: The emotion engine uses emotion recognition algorithms to analyze data and determine the user's emotional state. Suggestions are then tailored based on the emotion.

[0947] Output: Emotionally tailored recommendations

[0948] Step 6:

[0949] The user makes the payment using the suggested credit card and points program.

[0950] Input: Proposed credit card and rewards programs

[0951] How it works: The user selects a card according to the suggestions and makes the actual purchase and payment.

[0952] Output: The payment information is recorded in the credit card company's system and sent to the server.

[0953] Step 7:

[0954] The server obtains payment information in real time and updates the household account book.

[0955] Input: Payment information provided by the credit card company's API

[0956] How it works: The server uses the API to get the latest payment information and updates it in the user's household accounting database.

[0957] Output: Updated household account book

[0958] Step 8:

[0959] The server evaluates goal achievement and notifies the user of progress.

[0960] Input: Updated household account book, emotion data

[0961] How it works: The server analyzes the household finance data and evaluates the user's progress toward their savings goal. The emotion engine adjusts notifications based on the user's latest emotion data.

[0962] Output: Progress notification sent to the user (e.g., "You saved $80,000 in March. You're 75% of your goal.")

[0963] Step 9:

[0964] The user selects a food delivery menu, and the server suggests the most suitable menu based on emotional data.

[0965] Input: Food delivery app orders, user sentiment data

[0966] How it works: When a user selects a menu and places an order, the server analyzes the user's emotional state and provides menu suggestions and coupons according to the user's emotions.

[0967] Output: Optimal menu suggestions and coupons

[0968] 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.

[0969] 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.

[0970] 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.

[0971] [Third embodiment]

[0972] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[0973] 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.

[0974] 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).

[0975] 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.

[0976] 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.

[0977] 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).

[0978] 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.

[0979] 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.

[0980] 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.

[0981] 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.

[0982] 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.

[0983] 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."

[0984] The present invention will now be described in detail with reference to how the elements of the user, terminal, and server cooperate and operate.

[0985] System Overview

[0986] The system of the present invention allows users to input their life plan and budget information, and based on that information, the server proposes the most suitable credit card and point program, and the user then makes payments using the proposed method, thereby achieving efficient household management.

[0987] System Configuration

[0988] 1. User Device

[0989] This is a device for users to input life plan and budget information. Terminals include PCs, smartphones, and tablets.

[0990] 2. Server

[0991] It stores and analyzes the entered information, suggests the most suitable credit card and point program to the user, and reflects the executed payment information in the household account book.

[0992] 3. Database

[0993] It is connected to a server and stores the user's life plan and budget information.

[0994] 4. Credit card company API

[0995] Used by the server to obtain payment information in real time.

[0996] Program processing

[0997] 1. Enter user information

[0998] The user logs in to the system using a terminal and enters their life plan (e.g., two trips a year, credit card training) and budget information (e.g., monthly income, fixed expenses, savings goals). The information entered by the user is sent to the server.

[0999] 2. Information storage and analysis

[1000] The server stores the received life plan and budget information in a database and performs analysis based on the data to calculate the user's monthly disposable income and annual savings goal.

[1001] 3. Proposal Generation

[1002] Based on the analysis results, the server considers the credit card's return rate and point program and proposes the most suitable credit card and point program. For example, it generates a proposal that Card A is suitable for travel and Card B is suitable for everyday shopping.

[1003] 4. User execution

[1004] The user checks the proposal from the server, selects a credit card as suggested, and makes the payment. The server obtains the user's payment information in real time via the credit card company's API.

[1005] 5. Update your household budget

[1006] The server then updates the household account book with the acquired payment information, allowing users to manage their household finances based on monthly and yearly expenditures and savings goals. Progress toward the user's savings goals is continuously recorded.

[1007] 6. Evaluation and notification of goal achievement

[1008] The server compiles the user's spending information and compares it with the budget to evaluate the progress of the goal. The evaluation results are periodically notified to the user, and information such as "Your savings for March were 80,000 yen, which means you have achieved 75% of your goal" is provided.

[1009] Specific examples

[1010] Let's assume that Mr. Sato has entered "two overseas trips per year" as his life plan, and set his budget information as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." The server receives this and analyzes it, calculating that his monthly disposable income is 150,000 yen and that he needs to save approximately 83,000 yen each month. Based on the analysis results, it suggests credit card A for travel and credit card B for everyday use, and Mr. Sato makes payments using these cards as suggested. The server obtains the payment information in real time, updates the household account book, and notifies Mr. Sato of his monthly goal achievement. For example, it sends a notification saying, "Savings for March are 80,000 yen. You have achieved 75% of your goal."

[1011] The system will enable Sato to manage her household finances efficiently and provide specific guidance on how to achieve her savings goals.

[1012] The processing flow will be explained below.

[1013] Step 1:

[1014] The user logs in to the system using a terminal and inputs their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen).

[1015] Step 2:

[1016] The terminal transmits the life plan and budget information entered by the user to the server. When transmission is complete, a confirmation message is displayed to the user.

[1017] Step 3:

[1018] The server saves the received life plan and budget information in the database, and then logs a confirmation message.

[1019] Step 4:

[1020] The server then begins analyzing the information stored in the database, performing calculations to calculate monthly disposable income and annual savings goals.

[1021] Step 5:

[1022] Based on the analysis results, the server executes a script that considers the credit card return rate and point program and proposes the most suitable credit card and point program for the user. For example, it generates a proposal such as "Card A for travel, Card B for everyday shopping."

[1023] Step 6:

[1024] The server sends the proposal to the terminal and displays it to the user, who then checks the proposal and chooses whether to accept it.

[1025] Step 7:

[1026] If the user accepts the offer, the actual payment is made using the proposed credit card. At the time of payment, transaction information is sent to the server using the credit card company's API.

[1027] Step 8:

[1028] The server obtains payment information in real time through the credit card company's API, and the information is stored in a database.

[1029] Step 9:

[1030] The server updates the household account book based on the payment information acquired. Specifically, the system manages household finances based on monthly and yearly expenditures and savings goals.

[1031] Step 10:

[1032] The server aggregates the user's spending information and executes an evaluation script to evaluate the achievement of the goal by comparing it with the budget. The evaluation result is generated as a notification message.

[1033] Step 11:

[1034] The server notifies the device of the evaluation results and displays a message indicating the user's progress. For example, it might say, "You saved 80,000 yen in March, achieving 75% of your goal." The user can then review this and decide what to do next.

[1035] Through the above steps, the system of the present invention can propose the most suitable credit card and point program based on the user's life plan and budget information, enabling efficient household management.

[1036] Example 1

[1037] 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."

[1038] Conventional household management systems require users to manually input spending information and select appropriate savings plans and credit cards, making efficient household management difficult. Furthermore, selecting the appropriate credit card or point program requires manual information collection and analysis, which is time-consuming and inaccurate. Furthermore, the lack of a mechanism for timely evaluation and notification of goal achievement makes it difficult for users to systematically manage their spending toward their goals.

[1039] 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.

[1040] In this invention, the server includes: means for a user to input life plan and budget information via a terminal; means for the server to save and analyze the input life plan and budget information; means for the server to suggest optimal credit cards and point programs based on the analysis results; means for the user to make payments based on the suggested credit cards and point programs; means for the server to obtain payment information in real time using a credit card company's communication protocol and reflect it in the household management record; means for the server to evaluate goal achievement and notify the user of progress; and means for using a generative AI model to suggest credit cards and point programs according to the user's life plan. This enables users to manage their household finances efficiently and accurately without hassle.

[1041] "User terminal" refers to the device used by a user to input life plan and budget information, specifically a PC, smartphone, tablet, etc.

[1042] A "server" is a computer system that stores and analyzes information entered by users and has the function of proposing the most suitable credit card and point program to users.

[1043] A "life plan" refers to the lifestyle plans and goals that users want to achieve in the future, specifically events including travel and big purchases.

[1044] "Budget Information" means financial information such as a user's income, expenses, and savings goals, including specific monetary data necessary for the user to manage their household finances.

[1045] A "credit card" is a plastic card issued by a financial institution that a user uses to make payments and provides a means of payment that can be used to make payments at a later date.

[1046] A "points program" refers to benefits and discounts that users can receive by using a specific credit card or payment method, and is a system in which points can be accumulated and exchanged for products and services.

[1047] A "communication protocol" refers to the standardized procedures and rules for a server to communicate with a credit card company, and specifically refers to the mechanism for obtaining data using an API.

[1048] "Household management records" refers to data that compiles information such as a user's income, expenses, and savings, and is a record that can be used as a household account book.

[1049] A "generative AI model" is an algorithm that uses artificial intelligence to analyze user data and suggest appropriate credit cards and point programs.

[1050] "Goal achievement" is an indicator that evaluates the actual progress toward the savings goal or spending plan set by the user, and is used by the server to notify the user of the progress.

[1051] The present invention will be described below with reference to how the elements of the user, terminal, and server cooperate and operate in detail.

[1052] System Overview

[1053] The system of the present invention allows users to input their life plan and budget information, and based on that information, the server proposes the most suitable credit card and point program, and the user then makes payments using the proposed method, thereby achieving efficient household management.

[1054] System Configuration

[1055] 1. User Device

[1056] This is a device for users to input life plan and budget information. Terminals include PCs, smartphones, and tablets.

[1057] 2. Server

[1058] It is responsible for storing and analyzing the entered information. It also suggests the most suitable credit card and point program to the user and reflects the executed payment information in the household account book. The server performs analysis and suggestions using a generative AI model.

[1059] 3. Database

[1060] It connects to a server and stores the user's life plan and budget information, often in an SQL database.

[1061] 4. Credit card company communication protocols

[1062] The server uses this to obtain payment information in real time, specifically via the APIs of VISA and MasterCard.

[1063] Program processing

[1064] Enter user information

[1065] The user logs into the system using a terminal and enters their life plan and budget information. For example, they enter information such as "two overseas trips per year" or "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." The information entered by the user is sent to the server.

[1066] Information storage and analysis

[1067] The server then stores the received life plan and budget information in a database and performs analysis using Python and R programming languages ​​to calculate the user's monthly disposable income and annual savings goal.

[1068] Proposal Generation

[1069] Based on the analysis results, the server considers the credit card's return rate and point program and proposes the most suitable credit card and point program. For example, it generates a proposal that Card A is suitable for travel and Card B is suitable for everyday shopping. A generative AI model is used to make the proposal.

[1070] User execution

[1071] The user checks the proposal from the server, selects a credit card as suggested, and makes the payment. The server obtains the user's payment information in real time via the credit card company's communication protocol.

[1072] Updating your household budget

[1073] The server updates the acquired payment information into the household account book, allowing users to manage their household finances based on monthly and yearly spending and savings goals. Data is automatically entered into household accounting software (e.g., Microsoft Excel, Google Sheets).

[1074] Goal achievement evaluation and notification

[1075] The server aggregates the user's spending information and compares it with the budget to evaluate the progress of the goal. The evaluation results are periodically notified to the user. For example, information such as "Your savings for March were 80,000 yen, which means you have achieved 75% of your goal" is provided. Notifications are sent using Firebase Cloud Messaging and Amazon SNS.

[1076] Specific examples

[1077] For example, consider the case where Mr. Sato enters "two overseas trips per year" as his life plan, and sets "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen" as his budget information. The server receives this and analyzes it, calculating that his monthly disposable income is 150,000 yen and that he needs to save approximately 83,000 yen each month. Based on the analysis results, it suggests credit card A for travel and credit card B for everyday use, and Mr. Sato makes payments using these cards as suggested. The server obtains payment information in real time, updates the household account book, and notifies Mr. Sato of his monthly goal achievement. For example, it sends a notification saying, "Savings for March are 80,000 yen. You have achieved 75% of your goal."

[1078] Prompt Sentence Examples

[1079] "I'm planning a trip and have entered "two international trips per year" as part of my life plan. My budget information is "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and an annual savings goal of 1 million yen." Please suggest a credit card and points program that would be suitable for me."

[1080] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1081] Step 1: User logs into the system via a terminal

[1082] Input: User ID and password

[1083] Processing: The terminal sends the user ID and password to the server, which checks them against the database and performs authentication.

[1084] Output: If authentication is successful, the dashboard screen will be displayed on the user's device. If authentication is unsuccessful, an error message will be displayed.

[1085] Specific operation: The user opens the login screen on the device, enters their ID and password, and clicks the "Login" button.

[1086] Step 2: The user inputs life plan and budget information via the terminal.

[1087] Input: Life plan (e.g., "Two overseas trips per year"), budget information (e.g., "Monthly income of 300,000 yen," "Fixed expenses of 150,000 yen," "Annual savings goal of 1 million yen")

[1088] Processing: The user enters information into the dashboard input form, and the device sends the input information to the server.

[1089] Output: The input is saved on the server.

[1090] Specific behavior: The user fills out the dashboard input form with life plan and budget information and clicks the "Submit" button.

[1091] Step 3: The server stores the received information in a database

[1092] Input: Life plan and budget information

[1093] Process: The server uses an SQL query to save the information to a database

[1094] Output: User information is updated in the database

[1095] Specific operation: The server saves the received information using an "INSERT INTO" query.

[1096] Step 4: The server performs analysis based on the stored information

[1097] Input: Saved life plan and budget information

[1098] Processing: The server uses a Python script to calculate disposable income and savings goals.

[1099] Output: The analysis results are "monthly savings goal" and "yearly savings goal"

[1100] Specific operation: Reads the information stored in the database and calculates disposable income by subtracting "fixed expenses" from "monthly income"

[1101] Step 5: The server recommends the best credit cards and rewards programs

[1102] Input: Analysis results (e.g., "Monthly savings goal," "Yearly savings goal")

[1103] Processing: Using generative AI models to recommend the best credit cards and rewards programs

[1104] Output: Display suggestions to the user (e.g., "Use Card A for travel, Card B for everyday shopping")

[1105] How it works: The AI ​​model analyzes reward rates and point programs and notifies users of the best options.

[1106] Step 6: User pays using suggested credit card

[1107] Input: Proposed credit card

[1108] Processing: The user pays with a credit card, and the server obtains payment information using the credit card company's communication protocol.

[1109] Output: Payment information is saved in the database in real time.

[1110] Specific Action: User makes a purchase using a credit card at a specified location or online

[1111] Step 7: The server updates the payment information to the household account book.

[1112] Input: Payment information obtained in real time

[1113] Processing: The server automatically inputs payment information into household accounting software (e.g., Excel or Google Sheets).

[1114] Output: Household account book updated

[1115] Specific operation: The data acquired by the server is automatically entered into the household accounting software using an API.

[1116] Step 8: The server evaluates the goal achievement and notifies the user

[1117] Input: Household account data

[1118] Processing: The server performs calculations to evaluate the progress of the goal and sends notifications to the user using the notification system.

[1119] Output: Notification to the user (e.g., "You saved $80,000 in March, achieving 75% of your goal.")

[1120] Specific behavior: Sends notifications to the user's device using Firebase Cloud Messaging or Amazon SNS.

[1121] (Application example 1)

[1122] 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."

[1123] Conventional household management systems have struggled to provide efficient household management based on the life plan and budget information entered by the user. Comprehensive integration of functions is required, such as suggesting optimal credit cards and point programs, acquiring payment information in real time and updating it in the household ledger, and evaluating monthly and annual savings status. A method is also needed to generate prompts using a generative AI model and continuously update optimal suggestions.

[1124] 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.

[1125] In this invention, the server includes a means for aggregating the user's payment information and evaluating the monthly and yearly savings status, a means for evaluating the degree of achievement of monthly savings goals and notifying the user of specific progress, and a means for generating prompts using a generative AI model to suggest optimal credit cards and point programs, thereby enabling efficient and accurate household management.

[1126] A "user" is someone who inputs life plans and budget information via the server and receives offers for credit cards and point programs.

[1127] "Terminal" means a device used by a user to input life plan and budget information, including a smartphone or tablet.

[1128] A "life plan" is a lifestyle plan set by the user, and includes specific activities and goals such as overseas travel and savings goals.

[1129] "Budget information" refers to financial information entered by the user, such as monthly income, fixed expenses, and savings goals.

[1130] The "server" is a computer system that stores and analyzes the life plan and budget information entered by the user, generates optimal credit card and point program proposals, and obtains payment information in real time and reflects it in the household account book.

[1131] "Analysis results" are the results of the analysis performed by the server based on the user's life plan and budget information.

[1132] A "credit card" is a card that a user uses to pay for goods or services, and is the card that the server will suggest.

[1133] A "points program" is a system for managing points earned in response to credit card usage.

[1134] "Payment Information" means detailed information about transactions made by a User using a credit card.

[1135] A "household account book" is a means of recording and managing a user's income and expenses and progress toward savings goals.

[1136] "Goal achievement" measures the actual progress of the user toward the savings goal they set.

[1137] "Progress" refers to the progress of a user toward the goals they have set.

[1138] "API" stands for Application Programming Interface, a means by which different software systems communicate with each other.

[1139] A "generative AI model" is a model that uses artificial intelligence to generate prompt sentences, and serves as the basis for suggesting optimal credit cards and point programs.

[1140] A "prompt sentence" is an input sentence that a generative AI model uses to generate suggestions.

[1141] The present invention is a household management system in which a user inputs life plan and budget information, and a server analyzes the information and proposes optimal credit cards and point programs. This system is implemented using the following means.

[1142] System configuration

[1143] The system mainly consists of the following elements:

[1144] 1. User Device

[1145] This is a device for users to input life plan and budget information. A variety of devices, including smartphones and tablets, can be used.

[1146] 2. Server

[1147] The system saves and analyzes the input life plan and budget information, and suggests the most suitable credit card and point program based on the analysis results. It also obtains the user's payment information in real time and reflects it in the household account book.

[1148] 3. Database

[1149] It is connected to a server and is used to store the user's life plan and budget information.

[1150] 4. Credit card company API

[1151] Used by the server to capture payment information in real time.

[1152] 5. Generative AI Models

[1153] Generate prompt sentences to suggest the best credit card and point program.

[1154] Processing flow

[1155] 1. Enter your user information

[1156] The user uses a terminal to input life plans and budget information into the system. For example, the user can input a life plan such as "two overseas trips per year" and budget information such as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen."

[1157] 2. Information storage and analysis

[1158] The server stores the entered life plan and budget information in a database and performs analysis based on this information, calculating monthly disposable income and annual savings goals.

[1159] 3. Prompt generation using a generative AI model

[1160] The generative AI model generates prompts and suggests the most suitable credit cards and point programs based on these. For example, it generates a prompt such as, "Suggest the most suitable credit cards and point programs based on the user's annual savings goal."

[1161] 4. Proposal Production

[1162] Based on the analysis results and the prompt, the server will suggest the best credit card and point program for a specific condition. For example, it may suggest that Credit Card A is suitable for travel and Credit Card B is suitable for everyday shopping.

[1163] 5. Acquiring payment information and reflecting it in the household account book

[1164] The server uses the credit card company's API to obtain payment information in real time and updates the household account book based on this information.

[1165] 6. Evaluation and notification of goal achievement

[1166] The server compiles monthly and yearly spending information, evaluates the user's progress toward their savings goal, and periodically notifies the user of their progress. For example, the server sends a notification saying, "You saved 80,000 yen in March, achieving 75% of your goal."

[1167] Specific examples

[1168] Suppose Mr. Sato sets "two overseas trips a year" as his life plan and enters "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen" as his budget information. The server analyzes this information and calculates that his monthly disposable income is 150,000 yen and that he needs to save approximately 83,000 yen each month. Based on this, it suggests credit card A for travel and credit card B for everyday use. Mr. Sato makes payments using these cards, and the server obtains the payment information in real time and updates it in the household account book. At the end of the month, the server sends a notification saying, "Your savings for this month are 80,000 yen, which means you've achieved 75% of your goal."

[1169] Example prompt sentence:

[1170] "We will explain the design and implementation of a smart finance management app that suggests the most suitable credit card based on the user's life plan and budget information, and updates the payment information in the household ledger."

[1171] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1172] Step 1:

[1173] Enter your user information:

[1174] Users use their own devices to input their life plan and budget information, such as annual savings goals, monthly income, fixed expenses, travel plans, etc. This information is then sent to the server.

[1175] Input: User's life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, annual savings goal of 1 million yen)

[1176] Output: Life plan and budget information data

[1177] Step 2:

[1178] Information storage:

[1179] The server stores the life plan and budget information sent by the user in a database, ensuring the data necessary for subsequent analysis.

[1180] Input: User's life plan and budget information

[1181] Output: Life plan and budget information stored in a database

[1182] Step 3:

[1183] Analysis of information:

[1184] The server performs an analysis based on the stored life plan and budget information, calculating monthly disposable income and annual savings goals.

[1185] Input: Life plan and budget information stored in a database

[1186] Output: Monthly disposable income, annual savings goal data

[1187] Step 4:

[1188] Prompt generation using a generative AI model:

[1189] The server uses a generative AI model to generate prompts to suggest the most suitable credit cards and point programs.

[1190] Input: Analysis results (e.g. disposable income, savings goal)

[1191] Output: Prompt for suggestion

[1192] Step 5:

[1193] Proposal generation:

[1194] The server generates recommendations for optimal credit cards and rewards programs based on the generated prompts. For example, it may suggest that Card A is suitable for a specific life plan, while Card B is suitable for everyday shopping.

[1195] Input: Prompt text, credit card reward rate and point program information

[1196] Output: Best credit card and rewards program recommendations

[1197] Step 6:

[1198] Get payment information:

[1199] The user makes a payment using the proposed credit card. The server obtains payment information in real time using the credit card company's API.

[1200] Input: User payment action, credit card company payment information API

[1201] Output: Real-time payment information

[1202] Step 7:

[1203] Reflection in household budget:

[1204] The server updates the user's household account book based on the acquired payment information, allowing the user to understand their current spending situation.

[1205] Input: Real-time payment information

[1206] Output: Updated household account book

[1207] Step 8:

[1208] Goal achievement assessment and notification:

[1209] The server compiles the user's monthly and yearly spending information, evaluates the degree of achievement of the savings goal, and notifies the user of the specific progress. For example, it may notify the user that "You saved 80,000 yen in March, achieving 75% of your goal."

[1210] Input: Updated household budget and savings goal information

[1211] Output: Progress notification to the user

[1212] 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.

[1213] The present invention will now be described in detail, showing how the elements of the user, terminal, server, and emotion engine cooperate and operate.

[1214] System Overview

[1215] The system of the present invention realizes efficient household management by having the user input their life plan and budget information, and then having the server suggest the most suitable credit card and point program based on that information, and then having the user make payments using the suggested method.Furthermore, by combining it with an emotion engine that recognizes the user's emotions and adjusts the content of suggestions and notifications according to the user's emotions, we provide a user-friendly system.

[1216] System Configuration

[1217] 1. User Device

[1218] This is a device that allows users to input their life plan and budget information and acquire emotional data. Terminals such as PCs, smartphones, and tablets can be used.

[1219] 2. Server

[1220] It stores and analyzes the entered information, suggests the most suitable credit card and point program to the user, and reflects the executed payment information in the household account book.

[1221] 3. Database

[1222] It is connected to a server and stores the user's life plan and budget information.

[1223] 4. Emotion Engine

[1224] It has the ability to recognize the user's emotions and adjust the suggestions and progress notifications. The emotion engine analyzes data obtained from the device and determines the user's emotional state.

[1225] 5. Credit card company API

[1226] Used by the server to obtain payment information in real time.

[1227] Program processing

[1228] 1. Enter user information

[1229] A user logs in to the system using a terminal and inputs their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen). In addition, the terminal collects the user's emotional data (e.g., facial expressions, voice, and text).

[1230] 2. Information storage and analysis

[1231] The device sends the user's input life plan, budget information, and emotional data to the server. The server stores the received data in a database and begins analysis. The analysis calculates the user's monthly disposable income and annual savings goal.

[1232] 3. Proposal Generation

[1233] Based on the analysis results, the server considers credit card return rates and point programs to recommend the most suitable credit card and point program for the user. Furthermore, the emotion engine analyzes the user's emotional data and adjusts the recommendations accordingly. For example, if the user is in a positive emotional state, it will suggest a risky payment method, and if the user is in a negative emotional state, it will suggest a safe payment method.

[1234] 4. User execution

[1235] The user makes the actual payment using the proposed credit card. The server obtains the user's payment information in real time through the credit card company's API.

[1236] 5. Update your household budget

[1237] The server updates the household account book based on the acquired payment information, specifically managing household finances based on monthly and yearly expenditures and savings goals.

[1238] 6. Evaluation and notification of goal achievement

[1239] The server aggregates the user's spending information and compares it with the budget to evaluate the degree of goal achievement. The emotion engine adjusts the notification content based on the user's emotional data and notifies the user of their progress. For example, information such as "Your savings for March are 80,000 yen. You have achieved 75% of your goal" is adjusted according to the user's emotional state.

[1240] Specific examples

[1241] Suppose Suzuki-san enters "two overseas trips per year" as her life plan and sets her budget information as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." The server receives and analyzes this information, calculating that her monthly disposable income is 150,000 yen and that she needs to save approximately 83,000 yen per month. Based on the analysis results, it recommends credit card A for travel and credit card B for everyday use. Furthermore, the emotion engine determines Suzuki-san's emotions to be positive and suggests a risky payment method. Suzuki-san makes payments using these cards as suggested. The server obtains payment information in real time, updates the household account book, and notifies Suzuki-san of her monthly goal progress. For example, it sends a notification saying, "Savings for March are 80,000 yen. 75% of the goal achieved." The content of this notification is also adjusted based on Suzuki-san's emotions.

[1242] This system will enable Suzuki to efficiently manage her household finances and receive detailed advice and notifications tailored to her emotions.

[1243] The processing flow will be explained below.

[1244] Step 1:

[1245] The user logs in to the system using a terminal. The user enters their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen). The terminal also collects the user's emotional data (e.g., from a facial recognition camera or voice input).

[1246] Step 2:

[1247] The terminal transmits the life plan, budget information, and emotion data entered by the user to the server. When transmission is complete, a confirmation message is displayed to the user.

[1248] Step 3:

[1249] The server stores the received life plan, budget information, and emotion data in a database. After storing the data, it labels the data and prepares it for analysis.

[1250] Step 4:

[1251] The server retrieves the necessary data from the database and begins analyzing the life plan and budget information, performing calculations to calculate monthly disposable income and annual savings goals.

[1252] Step 5:

[1253] Based on the analysis results, the server considers credit card return rates and point programs to recommend the most suitable credit card and point program for the user. The emotion engine also analyzes the emotional data and adjusts the recommendations based on the user's emotional state. For example, if the user's emotional state is positive, it will suggest a risky payment method, and if the user's emotional state is negative, it will suggest a safe payment method.

[1254] Step 6:

[1255] The server sends the proposal to the terminal and displays it to the user. The user checks the proposal and chooses whether to accept it. If the user accepts, he or she clicks the "Confirm" button.

[1256] Step 7:

[1257] If the user accepts the offer, the actual payment is made using the proposed credit card. At the time of payment, transaction information is sent to the server using the credit card company's API.

[1258] Step 8:

[1259] The server obtains payment information in real time through the credit card company's API. The obtained information is saved in a database. After saving, a confirmation message is recorded in the server log.

[1260] Step 9:

[1261] The server updates the household account book based on the payment information acquired. Specifically, it executes update processing to manage household finances based on monthly and yearly expenditures and savings goals.

[1262] Step 10:

[1263] The server aggregates the user's spending information and executes an evaluation script that evaluates the progress of the goal by comparing it with the budget. The emotion engine adjusts the notification content based on the user's emotion data and generates messages to notify the user of the progress.

[1264] Step 11:

[1265] The server sends the evaluation results and a notification message to the device, which displays them to the user. For example, the message might read, "Your savings for March are 80,000 yen. You've achieved 75% of your goal." The content of the message is also adjusted based on the user's emotional state. The user can review the message and decide on their next action.

[1266] Through these steps, the system of the present invention can propose optimal credit cards and point programs based on the user's life plan, budget information, and emotional data, enabling efficient household finance management. The emotion engine provides detailed advice and notifications that reflect the user's emotional state.

[1267] Example 2

[1268] 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."

[1269] While conventional household management systems have mechanisms for managing budgets based on the user's life plan and budget information, they are unable to provide advice or suggestions that take the user's emotions into consideration. This makes it difficult for users to manage their spending appropriately from an emotional perspective. Furthermore, there is also the issue of users being unable to efficiently manage their household finances because payment information is not acquired in real time and reflected in the household account book smoothly.

[1270] The specific processing by the specific processing unit 290 of the data processing device 12 in Example 2 is realized by the following means. In this invention, the server includes: means for the user to input a life plan and budget information via a terminal; means for the terminal to collect emotional data of the user; means for the server to save and analyze the input life plan and budget information and emotional data; means for the server to suggest an optimal credit card and point program based on the analysis results and the emotional data; means for the user to make a payment based on the suggested credit card and point program; means for the server to obtain payment information in real time using the API of the credit card company and reflect it in the household account book; and means for the server to evaluate the degree of goal achievement using the emotional data and notify the user of the progress.

[1271] This allows users to efficiently manage their household finances and receive detailed advice and notifications tailored to their emotions.

[1272] A "user terminal" is a device on which a user inputs life plan and budget information and collects emotional data. Examples of such devices include PCs, smartphones, and tablets.

[1273] The "server" is a device that stores and analyzes the input life plan, budget information, and emotional data. The server also plays a role in proposing optimal credit cards and point programs.

[1274] A "life plan" refers to the lifestyle plans and goals set by the user, such as two trips per year.

[1275] "Budget information" is information that indicates a user's financial plan, such as monthly income, expenses, savings goals, etc. For example, a monthly income of 300,000 yen, fixed expenses of 150,000 yen, and an annual savings goal of 1 million yen.

[1276] "Emotion data" is data that represents the user's emotional state and is collected based on facial expressions, voice, text, and the like.

[1277] A "credit card company API" is an application programming interface provided by a credit card company, which can be used to obtain payment information in real time.

[1278] A "household account book" is a book or electronic record used to record a user's income and expenses and is used for budgetary management.

[1279] The "emotion engine" is an engine that has the function of analyzing the user's emotional data and appropriately adjusting the content of suggestions and notifications.

[1280] MODE FOR CARRYING OUT THE INVENTION

[1281] The system of this invention realizes efficient household management by having the user input their life plan and budget information, and the server then proposes the most suitable credit card and point program based on that information.Furthermore, by combining it with an emotion engine that recognizes the user's emotions and adjusts the content of proposals and notifications according to the user's emotions, a user-friendly system is provided.

[1282] System Configuration

[1283] 1. User Device

[1284] This is a device that allows users to input their life plan and budget information and acquire emotional data. Terminals such as PCs, smartphones, and tablets can be used.

[1285] 2. Server

[1286] The server stores and analyzes the entered information, recommends the most suitable credit card and point program to the user, and updates the executed payment information in the household account book.

[1287] 3. Database

[1288] MySQL is used as a database connected to the server to store users' life plans and budget information.

[1289] 4. Emotion Engine

[1290] The emotion engine recognizes the user's emotions and adjusts the content of suggestions and progress notifications. The emotion engine analyzes data obtained from the device and determines the user's emotional state.

[1291] 5. Credit card company API

[1292] Used by the server to obtain payment information in real time.

[1293] Specifically, this system performs the following program processing: The user logs into the system using a terminal and enters their life plan and budget information. The terminal also uses a camera and microphone to collect the user's facial expressions and voice in real time and saves them as emotional data.

[1294] example:

[1295] As a specific example, a user inputs a life plan such as "two trips per year" into the device and sets budget information such as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." At this time, the device analyzes the user's facial expressions and voice to collect emotional data.

[1296] The collected data is sent to a server, which stores it in a database. The server then uses Python to analyze the data and calculates monthly disposable income and annual savings goals. For example, if monthly disposable income is 150,000 yen, it calculates that approximately 83,000 yen needs to be saved each month.

[1297] Based on the analysis results, the server suggests the most suitable credit card and point program for the user. For example, it may suggest "Credit card A for travel and credit card B for everyday use." At the same time, if the emotion engine judges the user's emotions to be positive, it will suggest a riskier payment method. When the user actually makes a payment using the suggested credit card, the server obtains the payment information in real time via the credit card company's API and reflects it in the household account book.

[1298] The server aggregates the user's spending information and compares it with the budget to evaluate the degree of goal achievement. The emotion engine adjusts the content of notifications based on the user's emotional data, notifying them with information such as, "Your savings for March are 80,000 yen. You have achieved 75% of your goal." The content of these notifications is also adjusted based on the user's emotions.

[1299] Prompt Sentence Examples

[1300] Design a system that recognizes user emotions. The system allows users to input their life plan and budget information, and then recommends the best credit cards and rewards programs based on that information. The system operates in the following steps: 1) input information, 2) store and analyze information, 3) generate recommendations, 4) execute, 5) update the household budget, and 6) evaluate and notify. The system adjusts the recommendations and notifications based on the user's emotions.

[1301] This system allows users to efficiently manage their household finances and receive detailed advice and notifications based on their emotions.

[1302] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1303] Program processing flow

[1304] Step 1: Enter your information

[1305] explanation

[1306] Users log in to the system using a device and enter their life plan and budget information. The device also uses a camera and microphone to collect the user's facial expressions and voice in real time and save them as emotional data.

[1307] Specific actions

[1308] Input: The user enters their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, annual savings goal of 1,000,000 yen) into the terminal.

[1309] Data processing: The device collects the user's facial expressions and voice and formats them as emotion data.

[1310] Output: Life plan, budget information, and emotional data entered into the device.

[1311] Step 2: Store and analyze information

[1312] explanation

[1313] The device sends the user's input data, such as life plan, budget information, and emotional data, to the server, which then stores the data in a database. The server then analyzes the data using analysis software and outputs the analysis results.

[1314] Specific actions

[1315] Input: Life plan, budget information, and emotional data sent from the device.

[1316] Data processing: The server stores the received data in a database (e.g., MySQL) and uses analytical software (e.g., Python) to calculate monthly disposable income and annual savings goals.

[1317] Output: Analysis results such as monthly disposable income and savings goals.

[1318] Step 3: Generate proposals

[1319] explanation

[1320] The server proposes the most suitable credit card and point program to the user based on the analysis results and emotional data, and the emotion engine adjusts the proposal content according to the user's emotions.

[1321] Specific actions

[1322] Input: Analysis results and emotion data.

[1323] Data processing: The server selects the most suitable credit card and point program, and the emotion engine analyzes the user's emotion data and adjusts the proposal content.

[1324] Output: Recommendations for the best credit cards and rewards programs.

[1325] Step 4: User execution

[1326] explanation

[1327] The user makes the actual payment using the proposed credit card. The server obtains the payment information in real time through the credit card company's API.

[1328] Specific actions

[1329] Input: The actual payment information the user makes using the suggested credit card.

[1330] Data processing: The server obtains and stores payment information in real time via the credit card company's API.

[1331] Output: Payment information captured in real time.

[1332] Step 5: Update your household finances

[1333] explanation

[1334] The server updates the household account book based on the acquired payment information, and manages household finances based on monthly and yearly expenditure and savings goals.

[1335] Specific actions

[1336] Input: Payment information captured in real time.

[1337] Data Processing: The server stores payment information in a database and uses automated scripts (e.g., SQL queries) to update monthly and yearly spending data.

[1338] Output: Updated household accounting data.

[1339] Step 6: Assess and communicate goal progress

[1340] explanation

[1341] The server aggregates the user's spending information and evaluates the progress of the goal by comparing it with the budget. The emotion engine adjusts the notification content based on the user's emotion data and notifies the user of the progress.

[1342] Specific actions

[1343] Input: Updated household accounting data and user emotion data.

[1344] Data processing: The server aggregates spending information and compares it with the budget. The emotion engine analyzes the aggregated results and emotion data to adjust the notification content.

[1345] Output: The notification message sent to the user (e.g., "You saved $80,000 in March. You're 75% of your goal.").

[1346] Through these steps, users can efficiently manage their finances and receive personalized advice and notifications based on their emotions.

[1347] (Application example 2)

[1348] 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."

[1349] Conventional household management systems were able to suggest optimal credit cards and point programs based on the user's life plan and budget information, but they were unable to adjust suggestions and notifications based on the user's emotional state. Furthermore, food delivery services lacked functionality such as optimal menu suggestions and appropriate coupon recommendations based on the user's emotions. This created a need for improved user satisfaction and usage efficiency.

[1350] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[1351] In this invention, the server includes means for analyzing the user's emotional data using an emotion engine and adjusting the content of suggestions, means for selecting a food delivery menu and analyzing the emotional data to adjust the meal suggestions, and means for acquiring payment and order information using the API of the credit card company and the API of the food delivery service. This enables detailed suggestions and notifications based on the user's emotional state, realizing a system that improves user satisfaction and usage efficiency.

[1352] A "user" is an individual who uses the system to input their life plan and budget information and receive recommendations for the most suitable credit card or point program.

[1353] A "terminal" is an electronic device used by a user to input information and receive suggestions and notifications from a server, and includes PCs, smartphones, tablets, etc.

[1354] "Life plan" refers to the life goals and plans that users want to achieve in the future.

[1355] "Budget Information" means financial data necessary for managing your household finances, such as your income, expenses, and savings goals.

[1356] A "server" is a central computer that stores the information entered by users, analyzes it, generates optimal suggestions, and sends notifications.

[1357] The "emotion engine" is a software engine that analyzes the user's emotional data and adjusts the content of suggestions and notifications based on the results.

[1358] "Emotional data" is data that indicates the user's emotional state and is obtained from facial expressions, voice, text, etc.

[1359] A "credit card" is a card-type payment method that users use to purchase goods and services.

[1360] A "points program" is a service in which points are awarded based on the amount of credit card usage, and these points can be exchanged for various benefits and products.

[1361] "Payment" refers to the act of a user paying for goods or services using a credit card or other means.

[1362] "Real-time" refers to processing occurring almost immediately in real time.

[1363] A "household account book" is a ledger that records the user's income and expenses and supports household management.

[1364] "Goal achievement" is an indicator that evaluates progress toward the savings goals and spending plans set by the user.

[1365] "Food delivery" is a service where you order food via the internet and have it delivered.

[1366] "Menu suggestion" refers to the act of recommending the most suitable meal menu to a user in a food delivery service.

[1367] A "coupon" refers to a ticket or code that can be used to receive special benefits or discounts, allowing users to make purchases at a discount.

[1368] An "API" is an interface that allows different software applications to communicate with each other and access data and functionality.

[1369] This invention is a system that allows users to input their life plan and budget information, and the server uses that information to suggest optimal credit cards and point programs, thereby achieving efficient household management. It also recognizes the user's emotions and adjusts the content of suggestions and notifications accordingly. It also suggests optimal menus and recommends appropriate coupons for food delivery services, based on the user's emotions.

[1370] System configuration

[1371] 1. User Device

[1372] This is a device that allows users to input their life plan and budget information and acquire emotional data. Terminals can include PCs, smartphones, and tablets.

[1373] 2. Server

[1374] The server is responsible for storing and analyzing the input life plan and budget information. It also suggests optimal credit cards and point programs to users and reflects the executed payment information in the household account book. Furthermore, the server is equipped with an emotion engine that analyzes the user's emotional data and adjusts the content of the suggestions.

[1375] 3. Database

[1376] The database is connected to the server and is responsible for storing the user's life plan and budget information.

[1377] 4. Emotion Engine

[1378] The emotion engine recognizes the user's emotions and adjusts the content of suggestions and progress notifications. The emotion engine analyzes data obtained from the device (e.g., facial expressions, voice, text) to determine the user's emotional state.

[1379] 5. Credit Card and Food Delivery APIs

[1380] The server uses the credit card company's API and the food delivery service's API to obtain payment information and order information in real time.

[1381] System Operation

[1382] 1. Enter your user information

[1383] The user logs into the system using a terminal and enters their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen). At the same time, the terminal also collects the user's emotional data (e.g., facial expressions, voice, and text).

[1384] 2. Data storage and analysis

[1385] The device sends the user's input life plan, budget information, and emotional data to the server, which stores the data in a database and begins analysis. The analysis then calculates the user's monthly disposable income and annual savings goal.

[1386] 3. Proposal Generation

[1387] Based on the analysis results, the server considers credit card return rates and point programs to recommend the most suitable credit card and point program to the user. The emotion engine analyzes the user's emotional data and adjusts the recommendations accordingly. For example, if the user is in a positive emotional state, it will suggest a risky payment method, and if the user is in a negative emotional state, it will suggest a safe payment method.

[1388] 4. Food delivery proposals

[1389] When a user uses a food delivery service, the server analyzes their emotional data using an emotion engine and suggests the most appropriate menu items and coupons based on their emotions. For example, if the emotion is positive, the server suggests new menu items and promotions, and if the emotion is negative, it suggests the user's favorite comfort food and discount coupons.

[1390] Specific examples

[1391] If Takahashi uses a food delivery app and enters "I'm busy, so I'd like to order dinner," and emotional data is collected, if the emotion is positive, suggestions for new menu items and information about limited-time promotions will be displayed. In addition, a credit card with a high point reward rate will be recommended as a payment method. A message such as "If you use credit card A today, you will receive a high point reward rate!" will be displayed.

[1392] Prompt Sentence Examples

[1393] "How can we provide optimal menu suggestions and coupons based on the emotional data of users when using food delivery services? Please pay particular attention to the difference between positive and negative emotions."

[1394] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1395] Step 1:

[1396] The user inputs life plan and budget information via a terminal and provides emotion data.

[1397] Input: Life plan (e.g., two trips per year), budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen), emotional data (e.g., facial expressions, voice, text)

[1398] How it works: The user logs in to the device, enters the required information using a form, and uses the camera and microphone to collect emotional data.

[1399] Output: The input data is stored on the terminal as a dataset for initial processing.

[1400] Step 2:

[1401] The terminal transmits the input data to the server.

[1402] Input: Life plan, budget information, and emotional data collected in Step 1

[1403] How it works: Data is sent from the device to the server via the API. Security measures such as encryption are applied during data transmission.

[1404] Output: The server stores the received data in the database.

[1405] Step 3:

[1406] The server analyzes the life plan and budget information stored in the database.

[1407] Input: Life plan and budget information stored in a database

[1408] How it works: The server extracts data from the database and uses analytical algorithms to calculate monthly disposable income and annual savings goals.

[1409] Output: The analysis results in the user's financial information (disposable income, savings goals, etc.).

[1410] Step 4:

[1411] The server proposes the most suitable credit card and point program based on the generated analysis results.

[1412] Input: Analysis results, credit card and rewards program database

[1413] How it works: The server evaluates credit card reward rates and rewards programs, and selects the most suitable card and program for the user.

[1414] Output: Best credit card and rewards program recommendations

[1415] Step 5:

[1416] The emotion engine analyzes the user's emotional data and adjusts the suggestions.

[1417] Input: User's emotional data, server analysis results

[1418] How it works: The emotion engine uses emotion recognition algorithms to analyze data and determine the user's emotional state. Suggestions are then tailored based on the emotion.

[1419] Output: Emotionally tailored recommendations

[1420] Step 6:

[1421] The user makes the payment using the suggested credit card and points program.

[1422] Input: Proposed credit card and rewards programs

[1423] How it works: The user selects a card according to the suggestions and makes the actual purchase and payment.

[1424] Output: The payment information is recorded in the credit card company's system and sent to the server.

[1425] Step 7:

[1426] The server obtains payment information in real time and updates the household account book.

[1427] Input: Payment information provided by the credit card company's API

[1428] How it works: The server uses the API to get the latest payment information and updates it in the user's household accounting database.

[1429] Output: Updated household account book

[1430] Step 8:

[1431] The server evaluates goal achievement and notifies the user of progress.

[1432] Input: Updated household account book, emotion data

[1433] How it works: The server analyzes the household finance data and evaluates the user's progress toward their savings goal. The emotion engine adjusts notifications based on the user's latest emotion data.

[1434] Output: Progress notification sent to the user (e.g., "You saved $80,000 in March. You're 75% of your goal.")

[1435] Step 9:

[1436] The user selects a food delivery menu, and the server suggests the most suitable menu based on emotional data.

[1437] Input: Food delivery app orders, user sentiment data

[1438] How it works: When a user selects a menu and places an order, the server analyzes the user's emotional state and provides menu suggestions and coupons according to the user's emotions.

[1439] Output: Optimal menu suggestions and coupons

[1440] 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.

[1441] 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.

[1442] 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.

[1443] [Fourth embodiment]

[1444] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[1445] 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.

[1446] 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).

[1447] 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.

[1448] 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.

[1449] 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).

[1450] 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.

[1451] 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.

[1452] 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.

[1453] 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.

[1454] 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.

[1455] 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.

[1456] 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."

[1457] The present invention will now be described in detail with reference to how the elements of the user, terminal, and server cooperate and operate.

[1458] System Overview

[1459] The system of the present invention allows users to input their life plan and budget information, and based on that information, the server proposes the most suitable credit card and point program, and the user then makes payments using the proposed method, thereby achieving efficient household management.

[1460] System Configuration

[1461] 1. User Device

[1462] This is a device for users to input life plan and budget information. Terminals include PCs, smartphones, and tablets.

[1463] 2. Server

[1464] It stores and analyzes the entered information, suggests the most suitable credit card and point program to the user, and reflects the executed payment information in the household account book.

[1465] 3. Database

[1466] It is connected to a server and stores the user's life plan and budget information.

[1467] 4. Credit card company API

[1468] Used by the server to obtain payment information in real time.

[1469] Program processing

[1470] 1. Enter user information

[1471] The user logs in to the system using a terminal and enters their life plan (e.g., two trips a year, credit card training) and budget information (e.g., monthly income, fixed expenses, savings goals). The information entered by the user is sent to the server.

[1472] 2. Information storage and analysis

[1473] The server stores the received life plan and budget information in a database and performs analysis based on the data to calculate the user's monthly disposable income and annual savings goal.

[1474] 3. Proposal Generation

[1475] Based on the analysis results, the server considers the credit card's return rate and point program and proposes the most suitable credit card and point program. For example, it generates a proposal that Card A is suitable for travel and Card B is suitable for everyday shopping.

[1476] 4. User execution

[1477] The user checks the proposal from the server, selects a credit card as suggested, and makes the payment. The server obtains the user's payment information in real time via the credit card company's API.

[1478] 5. Update your household budget

[1479] The server then updates the household account book with the acquired payment information, allowing users to manage their household finances based on monthly and yearly expenditures and savings goals. Progress toward the user's savings goals is continuously recorded.

[1480] 6. Evaluation and notification of goal achievement

[1481] The server compiles the user's spending information and compares it with the budget to evaluate the progress of the goal. The evaluation results are periodically notified to the user, and information such as "Your savings for March were 80,000 yen, which means you have achieved 75% of your goal" is provided.

[1482] Specific examples

[1483] Let's assume that Mr. Sato has entered "two overseas trips per year" as his life plan, and set his budget information as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." The server receives this and analyzes it, calculating that his monthly disposable income is 150,000 yen and that he needs to save approximately 83,000 yen each month. Based on the analysis results, it suggests credit card A for travel and credit card B for everyday use, and Mr. Sato makes payments using these cards as suggested. The server obtains the payment information in real time, updates the household account book, and notifies Mr. Sato of his monthly goal achievement. For example, it sends a notification saying, "Savings for March are 80,000 yen. You have achieved 75% of your goal."

[1484] The system will enable Sato to manage her household finances efficiently and provide specific guidance on how to achieve her savings goals.

[1485] The processing flow will be explained below.

[1486] Step 1:

[1487] The user logs in to the system using a terminal and inputs their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen).

[1488] Step 2:

[1489] The terminal transmits the life plan and budget information entered by the user to the server. When transmission is complete, a confirmation message is displayed to the user.

[1490] Step 3:

[1491] The server saves the received life plan and budget information in the database, and then logs a confirmation message.

[1492] Step 4:

[1493] The server then begins analyzing the information stored in the database, performing calculations to calculate monthly disposable income and annual savings goals.

[1494] Step 5:

[1495] Based on the analysis results, the server executes a script that considers the credit card return rate and point program and proposes the most suitable credit card and point program for the user. For example, it generates a proposal such as "Card A for travel, Card B for everyday shopping."

[1496] Step 6:

[1497] The server sends the proposal to the terminal and displays it to the user, who then checks the proposal and chooses whether to accept it.

[1498] Step 7:

[1499] If the user accepts the offer, the actual payment is made using the proposed credit card. At the time of payment, transaction information is sent to the server using the credit card company's API.

[1500] Step 8:

[1501] The server obtains payment information in real time through the credit card company's API, and the information is stored in a database.

[1502] Step 9:

[1503] The server updates the household account book based on the payment information acquired. Specifically, the system manages household finances based on monthly and yearly expenditures and savings goals.

[1504] Step 10:

[1505] The server aggregates the user's spending information and executes an evaluation script to evaluate the achievement of the goal by comparing it with the budget. The evaluation result is generated as a notification message.

[1506] Step 11:

[1507] The server notifies the device of the evaluation results and displays a message indicating the user's progress. For example, it might say, "You saved 80,000 yen in March, achieving 75% of your goal." The user can then review this and decide what to do next.

[1508] Through the above steps, the system of the present invention can propose the most suitable credit card and point program based on the user's life plan and budget information, enabling efficient household management.

[1509] Example 1

[1510] 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."

[1511] Conventional household management systems require users to manually input spending information and select appropriate savings plans and credit cards, making efficient household management difficult. Furthermore, selecting the appropriate credit card or point program requires manual information collection and analysis, which is time-consuming and inaccurate. Furthermore, the lack of a mechanism for timely evaluation and notification of goal achievement makes it difficult for users to systematically manage their spending toward their goals.

[1512] 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.

[1513] In this invention, the server includes: means for a user to input life plan and budget information via a terminal; means for the server to save and analyze the input life plan and budget information; means for the server to suggest optimal credit cards and point programs based on the analysis results; means for the user to make payments based on the suggested credit cards and point programs; means for the server to obtain payment information in real time using a credit card company's communication protocol and reflect it in the household management record; means for the server to evaluate goal achievement and notify the user of progress; and means for using a generative AI model to suggest credit cards and point programs according to the user's life plan. This enables users to manage their household finances efficiently and accurately without hassle.

[1514] "User terminal" refers to the device used by a user to input life plan and budget information, specifically a PC, smartphone, tablet, etc.

[1515] A "server" is a computer system that stores and analyzes information entered by users and has the function of proposing the most suitable credit card and point program to users.

[1516] A "life plan" refers to the lifestyle plans and goals that users want to achieve in the future, specifically events including travel and big purchases.

[1517] "Budget Information" means financial information such as a user's income, expenses, and savings goals, including specific monetary data necessary for the user to manage their household finances.

[1518] A "credit card" is a plastic card issued by a financial institution that a user uses to make payments and provides a means of payment that can be used to make payments at a later date.

[1519] A "points program" refers to benefits and discounts that users can receive by using a specific credit card or payment method, and is a system in which points can be accumulated and exchanged for products and services.

[1520] A "communication protocol" refers to the standardized procedures and rules for a server to communicate with a credit card company, and specifically refers to the mechanism for obtaining data using an API.

[1521] "Household management records" refers to data that compiles information such as a user's income, expenses, and savings, and is a record that can be used as a household account book.

[1522] A "generative AI model" is an algorithm that uses artificial intelligence to analyze user data and suggest appropriate credit cards and point programs.

[1523] "Goal achievement" is an indicator that evaluates the actual progress toward the savings goal or spending plan set by the user, and is used by the server to notify the user of the progress.

[1524] The present invention will be described below with reference to how the elements of the user, terminal, and server cooperate and operate in detail.

[1525] System Overview

[1526] The system of the present invention allows users to input their life plan and budget information, and based on that information, the server proposes the most suitable credit card and point program, and the user then makes payments using the proposed method, thereby achieving efficient household management.

[1527] System Configuration

[1528] 1. User Device

[1529] This is a device for users to input life plan and budget information. Terminals include PCs, smartphones, and tablets.

[1530] 2. Server

[1531] It is responsible for storing and analyzing the entered information. It also suggests the most suitable credit card and point program to the user and reflects the executed payment information in the household account book. The server performs analysis and suggestions using a generative AI model.

[1532] 3. Database

[1533] It connects to a server and stores the user's life plan and budget information, often in an SQL database.

[1534] 4. Credit card company communication protocols

[1535] The server uses this to obtain payment information in real time, specifically via the APIs of VISA and MasterCard.

[1536] Program processing

[1537] Enter user information

[1538] The user logs into the system using a terminal and enters their life plan and budget information. For example, they enter information such as "two overseas trips per year" or "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." The information entered by the user is sent to the server.

[1539] Information storage and analysis

[1540] The server then stores the received life plan and budget information in a database and performs analysis using Python and R programming languages ​​to calculate the user's monthly disposable income and annual savings goal.

[1541] Proposal Generation

[1542] Based on the analysis results, the server considers the credit card's return rate and point program and proposes the most suitable credit card and point program. For example, it generates a proposal that Card A is suitable for travel and Card B is suitable for everyday shopping. A generative AI model is used to make the proposal.

[1543] User execution

[1544] The user checks the proposal from the server, selects a credit card as suggested, and makes the payment. The server obtains the user's payment information in real time via the credit card company's communication protocol.

[1545] Updating your household budget

[1546] The server updates the acquired payment information into the household account book, allowing users to manage their household finances based on monthly and yearly spending and savings goals. Data is automatically entered into household accounting software (e.g., Microsoft Excel, Google Sheets).

[1547] Goal achievement evaluation and notification

[1548] The server aggregates the user's spending information and compares it with the budget to evaluate the progress of the goal. The evaluation results are periodically notified to the user. For example, information such as "Your savings for March were 80,000 yen, which means you have achieved 75% of your goal" is provided. Notifications are sent using Firebase Cloud Messaging and Amazon SNS.

[1549] Specific examples

[1550] For example, consider the case where Mr. Sato enters "two overseas trips per year" as his life plan, and sets "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen" as his budget information. The server receives this and analyzes it, calculating that his monthly disposable income is 150,000 yen and that he needs to save approximately 83,000 yen each month. Based on the analysis results, it suggests credit card A for travel and credit card B for everyday use, and Mr. Sato makes payments using these cards as suggested. The server obtains payment information in real time, updates the household account book, and notifies Mr. Sato of his monthly goal achievement. For example, it sends a notification saying, "Savings for March are 80,000 yen. You have achieved 75% of your goal."

[1551] Prompt Sentence Examples

[1552] "I'm planning a trip and have entered "two international trips per year" as part of my life plan. My budget information is "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and an annual savings goal of 1 million yen." Please suggest a credit card and points program that would be suitable for me."

[1553] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1554] Step 1: User logs into the system via a terminal

[1555] Input: User ID and password

[1556] Processing: The terminal sends the user ID and password to the server, which checks them against the database and performs authentication.

[1557] Output: If authentication is successful, the dashboard screen will be displayed on the user's device. If authentication is unsuccessful, an error message will be displayed.

[1558] Specific operation: The user opens the login screen on the device, enters their ID and password, and clicks the "Login" button.

[1559] Step 2: The user inputs life plan and budget information via the terminal.

[1560] Input: Life plan (e.g., "Two overseas trips per year"), budget information (e.g., "Monthly income of 300,000 yen," "Fixed expenses of 150,000 yen," "Annual savings goal of 1 million yen")

[1561] Processing: The user enters information into the dashboard input form, and the device sends the input information to the server.

[1562] Output: The input is saved on the server.

[1563] Specific behavior: The user fills out the dashboard input form with life plan and budget information and clicks the "Submit" button.

[1564] Step 3: The server stores the received information in a database

[1565] Input: Life plan and budget information

[1566] Process: The server uses an SQL query to save the information to a database

[1567] Output: User information is updated in the database

[1568] Specific operation: The server saves the received information using an "INSERT INTO" query.

[1569] Step 4: The server performs analysis based on the stored information

[1570] Input: Saved life plan and budget information

[1571] Processing: The server uses a Python script to calculate disposable income and savings goals.

[1572] Output: The analysis results are "monthly savings goal" and "yearly savings goal"

[1573] Specific operation: Reads the information stored in the database and calculates disposable income by subtracting "fixed expenses" from "monthly income"

[1574] Step 5: The server recommends the best credit cards and rewards programs

[1575] Input: Analysis results (e.g., "Monthly savings goal," "Yearly savings goal")

[1576] Processing: Using generative AI models to recommend the best credit cards and rewards programs

[1577] Output: Display suggestions to the user (e.g., "Use Card A for travel, Card B for everyday shopping")

[1578] How it works: The AI ​​model analyzes reward rates and point programs and notifies users of the best options.

[1579] Step 6: User pays using suggested credit card

[1580] Input: Proposed credit card

[1581] Processing: The user pays with a credit card, and the server obtains payment information using the credit card company's communication protocol.

[1582] Output: Payment information is saved in the database in real time.

[1583] Specific Action: User makes a purchase using a credit card at a specified location or online

[1584] Step 7: The server updates the payment information to the household account book.

[1585] Input: Payment information obtained in real time

[1586] Processing: The server automatically inputs payment information into household accounting software (e.g., Excel or Google Sheets).

[1587] Output: Household account book updated

[1588] Specific operation: The data acquired by the server is automatically entered into the household accounting software using an API.

[1589] Step 8: The server evaluates the goal achievement and notifies the user

[1590] Input: Household account data

[1591] Processing: The server performs calculations to evaluate the progress of the goal and sends notifications to the user using the notification system.

[1592] Output: Notification to the user (e.g., "You saved $80,000 in March, achieving 75% of your goal.")

[1593] Specific behavior: Sends notifications to the user's device using Firebase Cloud Messaging or Amazon SNS.

[1594] (Application example 1)

[1595] 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."

[1596] Conventional household management systems have struggled to provide efficient household management based on the life plan and budget information entered by the user. Comprehensive integration of functions is required, such as suggesting optimal credit cards and point programs, acquiring payment information in real time and updating it in the household ledger, and evaluating monthly and annual savings status. A method is also needed to generate prompts using a generative AI model and continuously update optimal suggestions.

[1597] 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.

[1598] In this invention, the server includes a means for aggregating the user's payment information and evaluating the monthly and yearly savings status, a means for evaluating the degree of achievement of monthly savings goals and notifying the user of specific progress, and a means for generating prompts using a generative AI model to suggest optimal credit cards and point programs, thereby enabling efficient and accurate household management.

[1599] A "user" is someone who inputs life plans and budget information via the server and receives offers for credit cards and point programs.

[1600] "Terminal" means a device used by a user to input life plan and budget information, including a smartphone or tablet.

[1601] A "life plan" is a lifestyle plan set by the user, and includes specific activities and goals such as overseas travel and savings goals.

[1602] "Budget information" refers to financial information entered by the user, such as monthly income, fixed expenses, and savings goals.

[1603] The "server" is a computer system that stores and analyzes the life plan and budget information entered by the user, generates optimal credit card and point program proposals, and obtains payment information in real time and reflects it in the household account book.

[1604] "Analysis results" are the results of the analysis performed by the server based on the user's life plan and budget information.

[1605] A "credit card" is a card that a user uses to pay for goods or services, and is the card that the server will suggest.

[1606] A "points program" is a system for managing points earned in response to credit card usage.

[1607] "Payment Information" means detailed information about transactions made by a User using a credit card.

[1608] A "household account book" is a means of recording and managing a user's income and expenses and progress toward savings goals.

[1609] "Goal achievement" measures the actual progress of the user toward the savings goal they set.

[1610] "Progress" refers to the progress of a user toward the goals they have set.

[1611] "API" stands for Application Programming Interface, a means by which different software systems communicate with each other.

[1612] A "generative AI model" is a model that uses artificial intelligence to generate prompt sentences, and serves as the basis for suggesting optimal credit cards and point programs.

[1613] A "prompt sentence" is an input sentence that a generative AI model uses to generate suggestions.

[1614] The present invention is a household management system in which a user inputs life plan and budget information, and a server analyzes the information and proposes optimal credit cards and point programs. This system is implemented using the following means.

[1615] System configuration

[1616] The system mainly consists of the following elements:

[1617] 1. User Device

[1618] This is a device for users to input life plan and budget information. A variety of devices, including smartphones and tablets, can be used.

[1619] 2. Server

[1620] The system saves and analyzes the input life plan and budget information, and suggests the most suitable credit card and point program based on the analysis results. It also obtains the user's payment information in real time and reflects it in the household account book.

[1621] 3. Database

[1622] It is connected to a server and is used to store the user's life plan and budget information.

[1623] 4. Credit card company API

[1624] Used by the server to capture payment information in real time.

[1625] 5. Generative AI Models

[1626] Generate prompt sentences to suggest the best credit card and point program.

[1627] Processing flow

[1628] 1. Enter your user information

[1629] The user uses a terminal to input life plans and budget information into the system. For example, the user can input a life plan such as "two overseas trips per year" and budget information such as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen."

[1630] 2. Information storage and analysis

[1631] The server stores the entered life plan and budget information in a database and performs analysis based on this information, calculating monthly disposable income and annual savings goals.

[1632] 3. Prompt generation using a generative AI model

[1633] The generative AI model generates prompts and suggests the most suitable credit cards and point programs based on these. For example, it generates a prompt such as, "Suggest the most suitable credit cards and point programs based on the user's annual savings goal."

[1634] 4. Proposal Production

[1635] Based on the analysis results and the prompt, the server will suggest the best credit card and point program for a specific condition. For example, it may suggest that Credit Card A is suitable for travel and Credit Card B is suitable for everyday shopping.

[1636] 5. Acquiring payment information and reflecting it in the household account book

[1637] The server uses the credit card company's API to obtain payment information in real time and updates the household account book based on this information.

[1638] 6. Evaluation and notification of goal achievement

[1639] The server compiles monthly and yearly spending information, evaluates the user's progress toward their savings goal, and periodically notifies the user of their progress. For example, the server sends a notification saying, "You saved 80,000 yen in March, achieving 75% of your goal."

[1640] Specific examples

[1641] Suppose Mr. Sato sets "two overseas trips a year" as his life plan and enters "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen" as his budget information. The server analyzes this information and calculates that his monthly disposable income is 150,000 yen and that he needs to save approximately 83,000 yen each month. Based on this, it suggests credit card A for travel and credit card B for everyday use. Mr. Sato makes payments using these cards, and the server obtains the payment information in real time and updates it in the household account book. At the end of the month, the server sends a notification saying, "Your savings for this month are 80,000 yen, which means you've achieved 75% of your goal."

[1642] Example prompt sentence:

[1643] "We will explain the design and implementation of a smart finance management app that suggests the most suitable credit card based on the user's life plan and budget information, and updates the payment information in the household ledger."

[1644] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1645] Step 1:

[1646] Enter your user information:

[1647] Users use their own devices to input their life plan and budget information, such as annual savings goals, monthly income, fixed expenses, travel plans, etc. This information is then sent to the server.

[1648] Input: User's life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, annual savings goal of 1 million yen)

[1649] Output: Life plan and budget information data

[1650] Step 2:

[1651] Information storage:

[1652] The server stores the life plan and budget information sent by the user in a database, ensuring the data necessary for subsequent analysis.

[1653] Input: User's life plan and budget information

[1654] Output: Life plan and budget information stored in a database

[1655] Step 3:

[1656] Analysis of information:

[1657] The server performs an analysis based on the stored life plan and budget information, calculating monthly disposable income and annual savings goals.

[1658] Input: Life plan and budget information stored in a database

[1659] Output: Monthly disposable income, annual savings goal data

[1660] Step 4:

[1661] Prompt generation using a generative AI model:

[1662] The server uses a generative AI model to generate prompts to suggest the most suitable credit cards and point programs.

[1663] Input: Analysis results (e.g. disposable income, savings goal)

[1664] Output: Prompt for suggestion

[1665] Step 5:

[1666] Proposal generation:

[1667] The server generates recommendations for optimal credit cards and rewards programs based on the generated prompts. For example, it may suggest that Card A is suitable for a specific life plan, while Card B is suitable for everyday shopping.

[1668] Input: Prompt text, credit card reward rate and point program information

[1669] Output: Best credit card and rewards program recommendations

[1670] Step 6:

[1671] Get payment information:

[1672] The user makes a payment using the proposed credit card. The server obtains payment information in real time using the credit card company's API.

[1673] Input: User payment action, credit card company payment information API

[1674] Output: Real-time payment information

[1675] Step 7:

[1676] Reflection in household budget:

[1677] The server updates the user's household account book based on the acquired payment information, allowing the user to understand their current spending situation.

[1678] Input: Real-time payment information

[1679] Output: Updated household account book

[1680] Step 8:

[1681] Goal achievement assessment and notification:

[1682] The server compiles the user's monthly and yearly spending information, evaluates the degree of achievement of the savings goal, and notifies the user of the specific progress. For example, it may notify the user that "You saved 80,000 yen in March, achieving 75% of your goal."

[1683] Input: Updated household budget and savings goal information

[1684] Output: Progress notification to the user

[1685] 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.

[1686] The present invention will now be described in detail, showing how the elements of the user, terminal, server, and emotion engine cooperate and operate.

[1687] System Overview

[1688] The system of the present invention realizes efficient household management by having the user input their life plan and budget information, and then having the server suggest the most suitable credit card and point program based on that information, and then having the user make payments using the suggested method.Furthermore, by combining it with an emotion engine that recognizes the user's emotions and adjusts the content of suggestions and notifications according to the user's emotions, we provide a user-friendly system.

[1689] System Configuration

[1690] 1. User Device

[1691] This is a device that allows users to input their life plan and budget information and acquire emotional data. Terminals such as PCs, smartphones, and tablets can be used.

[1692] 2. Server

[1693] It stores and analyzes the entered information, suggests the most suitable credit card and point program to the user, and reflects the executed payment information in the household account book.

[1694] 3. Database

[1695] It is connected to a server and stores the user's life plan and budget information.

[1696] 4. Emotion Engine

[1697] It has the ability to recognize the user's emotions and adjust the suggestions and progress notifications. The emotion engine analyzes data obtained from the device and determines the user's emotional state.

[1698] 5. Credit card company API

[1699] Used by the server to obtain payment information in real time.

[1700] Program processing

[1701] 1. Enter user information

[1702] A user logs in to the system using a terminal and inputs their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen). In addition, the terminal collects the user's emotional data (e.g., facial expressions, voice, and text).

[1703] 2. Information storage and analysis

[1704] The device sends the user's input life plan, budget information, and emotional data to the server. The server stores the received data in a database and begins analysis. The analysis calculates the user's monthly disposable income and annual savings goal.

[1705] 3. Proposal Generation

[1706] Based on the analysis results, the server considers credit card return rates and point programs to recommend the most suitable credit card and point program for the user. Furthermore, the emotion engine analyzes the user's emotional data and adjusts the recommendations accordingly. For example, if the user is in a positive emotional state, it will suggest a risky payment method, and if the user is in a negative emotional state, it will suggest a safe payment method.

[1707] 4. User execution

[1708] The user makes the actual payment using the proposed credit card. The server obtains the user's payment information in real time through the credit card company's API.

[1709] 5. Update your household budget

[1710] The server updates the household account book based on the acquired payment information, specifically managing household finances based on monthly and yearly expenditures and savings goals.

[1711] 6. Evaluation and notification of goal achievement

[1712] The server aggregates the user's spending information and compares it with the budget to evaluate the degree of goal achievement. The emotion engine adjusts the notification content based on the user's emotional data and notifies the user of their progress. For example, information such as "Your savings for March are 80,000 yen. You have achieved 75% of your goal" is adjusted according to the user's emotional state.

[1713] Specific examples

[1714] Suppose Suzuki-san enters "two overseas trips per year" as her life plan and sets her budget information as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." The server receives and analyzes this information, calculating that her monthly disposable income is 150,000 yen and that she needs to save approximately 83,000 yen per month. Based on the analysis results, it recommends credit card A for travel and credit card B for everyday use. Furthermore, the emotion engine determines Suzuki-san's emotions to be positive and suggests a risky payment method. Suzuki-san makes payments using these cards as suggested. The server obtains payment information in real time, updates the household account book, and notifies Suzuki-san of her monthly goal progress. For example, it sends a notification saying, "Savings for March are 80,000 yen. 75% of the goal achieved." The content of this notification is also adjusted based on Suzuki-san's emotions.

[1715] This system will enable Suzuki to efficiently manage her household finances and receive detailed advice and notifications tailored to her emotions.

[1716] The processing flow will be explained below.

[1717] Step 1:

[1718] The user logs in to the system using a terminal. The user enters their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen). The terminal also collects the user's emotional data (e.g., from a facial recognition camera or voice input).

[1719] Step 2:

[1720] The terminal transmits the life plan, budget information, and emotion data entered by the user to the server. When transmission is complete, a confirmation message is displayed to the user.

[1721] Step 3:

[1722] The server stores the received life plan, budget information, and emotion data in a database. After storing the data, it labels the data and prepares it for analysis.

[1723] Step 4:

[1724] The server retrieves the necessary data from the database and begins analyzing the life plan and budget information, performing calculations to calculate monthly disposable income and annual savings goals.

[1725] Step 5:

[1726] Based on the analysis results, the server considers credit card return rates and point programs to recommend the most suitable credit card and point program for the user. The emotion engine also analyzes the emotional data and adjusts the recommendations based on the user's emotional state. For example, if the user's emotional state is positive, it will suggest a risky payment method, and if the user's emotional state is negative, it will suggest a safe payment method.

[1727] Step 6:

[1728] The server sends the proposal to the terminal and displays it to the user. The user checks the proposal and chooses whether to accept it. If the user accepts, he or she clicks the "Confirm" button.

[1729] Step 7:

[1730] If the user accepts the offer, the actual payment is made using the proposed credit card. At the time of payment, transaction information is sent to the server using the credit card company's API.

[1731] Step 8:

[1732] The server obtains payment information in real time through the credit card company's API. The obtained information is saved in a database. After saving, a confirmation message is recorded in the server log.

[1733] Step 9:

[1734] The server updates the household account book based on the payment information acquired. Specifically, it executes update processing to manage household finances based on monthly and yearly expenditures and savings goals.

[1735] Step 10:

[1736] The server aggregates the user's spending information and executes an evaluation script that evaluates the progress of the goal by comparing it with the budget. The emotion engine adjusts the notification content based on the user's emotion data and generates messages to notify the user of the progress.

[1737] Step 11:

[1738] The server sends the evaluation results and a notification message to the device, which displays them to the user. For example, the message might read, "Your savings for March are 80,000 yen. You've achieved 75% of your goal." The content of the message is also adjusted based on the user's emotional state. The user can review the message and decide on their next action.

[1739] Through these steps, the system of the present invention can propose optimal credit cards and point programs based on the user's life plan, budget information, and emotional data, enabling efficient household finance management. The emotion engine provides detailed advice and notifications that reflect the user's emotional state.

[1740] Example 2

[1741] 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."

[1742] While conventional household management systems have mechanisms for managing budgets based on the user's life plan and budget information, they are unable to provide advice or suggestions that take the user's emotions into consideration. This makes it difficult for users to manage their spending appropriately from an emotional perspective. Furthermore, there is also the issue of users being unable to efficiently manage their household finances because payment information is not acquired in real time and reflected in the household account book smoothly.

[1743] The specific processing by the specific processing unit 290 of the data processing device 12 in Example 2 is realized by the following means. In this invention, the server includes: means for the user to input a life plan and budget information via a terminal; means for the terminal to collect emotional data of the user; means for the server to save and analyze the input life plan and budget information and emotional data; means for the server to suggest an optimal credit card and point program based on the analysis results and the emotional data; means for the user to make a payment based on the suggested credit card and point program; means for the server to obtain payment information in real time using the API of the credit card company and reflect it in the household account book; and means for the server to evaluate the degree of goal achievement using the emotional data and notify the user of the progress.

[1744] This allows users to efficiently manage their household finances and receive detailed advice and notifications tailored to their emotions.

[1745] A "user terminal" is a device on which a user inputs life plan and budget information and collects emotional data. Examples of such devices include PCs, smartphones, and tablets.

[1746] The "server" is a device that stores and analyzes the input life plan, budget information, and emotional data. The server also plays a role in proposing optimal credit cards and point programs.

[1747] A "life plan" refers to the lifestyle plans and goals set by the user, such as two trips per year.

[1748] "Budget information" is information that indicates a user's financial plan, such as monthly income, expenses, savings goals, etc. For example, a monthly income of 300,000 yen, fixed expenses of 150,000 yen, and an annual savings goal of 1 million yen.

[1749] "Emotion data" is data that represents the user's emotional state and is collected based on facial expressions, voice, text, and the like.

[1750] A "credit card company API" is an application programming interface provided by a credit card company, which can be used to obtain payment information in real time.

[1751] A "household account book" is a book or electronic record used to record a user's income and expenses and is used for budgetary management.

[1752] The "emotion engine" is an engine that has the function of analyzing the user's emotional data and appropriately adjusting the content of suggestions and notifications.

[1753] MODE FOR CARRYING OUT THE INVENTION

[1754] The system of this invention realizes efficient household management by having the user input their life plan and budget information, and the server then proposes the most suitable credit card and point program based on that information.Furthermore, by combining it with an emotion engine that recognizes the user's emotions and adjusts the content of proposals and notifications according to the user's emotions, a user-friendly system is provided.

[1755] System Configuration

[1756] 1. User Device

[1757] This is a device that allows users to input their life plan and budget information and acquire emotional data. Terminals such as PCs, smartphones, and tablets can be used.

[1758] 2. Server

[1759] The server stores and analyzes the entered information, recommends the most suitable credit card and point program to the user, and updates the executed payment information in the household account book.

[1760] 3. Database

[1761] MySQL is used as a database connected to the server to store users' life plans and budget information.

[1762] 4. Emotion Engine

[1763] The emotion engine recognizes the user's emotions and adjusts the content of suggestions and progress notifications. The emotion engine analyzes data obtained from the device and determines the user's emotional state.

[1764] 5. Credit card company API

[1765] Used by the server to obtain payment information in real time.

[1766] Specifically, this system performs the following program processing: The user logs into the system using a terminal and enters their life plan and budget information. The terminal also uses a camera and microphone to collect the user's facial expressions and voice in real time and saves them as emotional data.

[1767] example:

[1768] As a specific example, a user inputs a life plan such as "two trips per year" into the device and sets budget information such as "monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen." At this time, the device analyzes the user's facial expressions and voice to collect emotional data.

[1769] The collected data is sent to a server, which stores it in a database. The server then uses Python to analyze the data and calculates monthly disposable income and annual savings goals. For example, if monthly disposable income is 150,000 yen, it calculates that approximately 83,000 yen needs to be saved each month.

[1770] Based on the analysis results, the server suggests the most suitable credit card and point program for the user. For example, it may suggest "Credit card A for travel and credit card B for everyday use." At the same time, if the emotion engine judges the user's emotions to be positive, it will suggest a riskier payment method. When the user actually makes a payment using the suggested credit card, the server obtains the payment information in real time via the credit card company's API and reflects it in the household account book.

[1771] The server aggregates the user's spending information and compares it with the budget to evaluate the degree of goal achievement. The emotion engine adjusts the content of notifications based on the user's emotional data, notifying them with information such as, "Your savings for March are 80,000 yen. You have achieved 75% of your goal." The content of these notifications is also adjusted based on the user's emotions.

[1772] Prompt Sentence Examples

[1773] Design a system that recognizes user emotions. The system allows users to input their life plan and budget information, and then recommends the best credit cards and rewards programs based on that information. The system operates in the following steps: 1) input information, 2) store and analyze information, 3) generate recommendations, 4) execute, 5) update the household budget, and 6) evaluate and notify. The system adjusts the recommendations and notifications based on the user's emotions.

[1774] This system allows users to efficiently manage their household finances and receive detailed advice and notifications based on their emotions.

[1775] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1776] Program processing flow

[1777] Step 1: Enter your information

[1778] explanation

[1779] Users log in to the system using a device and enter their life plan and budget information. The device also uses a camera and microphone to collect the user's facial expressions and voice in real time and save them as emotional data.

[1780] Specific actions

[1781] Input: The user enters their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, annual savings goal of 1,000,000 yen) into the terminal.

[1782] Data processing: The device collects the user's facial expressions and voice and formats them as emotion data.

[1783] Output: Life plan, budget information, and emotional data entered into the device.

[1784] Step 2: Store and analyze information

[1785] explanation

[1786] The device sends the user's input data, such as life plan, budget information, and emotional data, to the server, which then stores the data in a database. The server then analyzes the data using analysis software and outputs the analysis results.

[1787] Specific actions

[1788] Input: Life plan, budget information, and emotional data sent from the device.

[1789] Data processing: The server stores the received data in a database (e.g., MySQL) and uses analytical software (e.g., Python) to calculate monthly disposable income and annual savings goals.

[1790] Output: Analysis results such as monthly disposable income and savings goals.

[1791] Step 3: Generate proposals

[1792] explanation

[1793] The server proposes the most suitable credit card and point program to the user based on the analysis results and emotional data, and the emotion engine adjusts the proposal content according to the user's emotions.

[1794] Specific actions

[1795] Input: Analysis results and emotion data.

[1796] Data processing: The server selects the most suitable credit card and point program, and the emotion engine analyzes the user's emotion data and adjusts the proposal content.

[1797] Output: Recommendations for the best credit cards and rewards programs.

[1798] Step 4: User execution

[1799] explanation

[1800] The user makes the actual payment using the proposed credit card. The server obtains the payment information in real time through the credit card company's API.

[1801] Specific actions

[1802] Input: The actual payment information the user makes using the suggested credit card.

[1803] Data processing: The server obtains and stores payment information in real time via the credit card company's API.

[1804] Output: Payment information captured in real time.

[1805] Step 5: Update your household finances

[1806] explanation

[1807] The server updates the household account book based on the acquired payment information, and manages household finances based on monthly and yearly expenditure and savings goals.

[1808] Specific actions

[1809] Input: Payment information captured in real time.

[1810] Data Processing: The server stores payment information in a database and uses automated scripts (e.g., SQL queries) to update monthly and yearly spending data.

[1811] Output: Updated household accounting data.

[1812] Step 6: Assess and communicate goal progress

[1813] explanation

[1814] The server aggregates the user's spending information and evaluates the progress of the goal by comparing it with the budget. The emotion engine adjusts the notification content based on the user's emotion data and notifies the user of the progress.

[1815] Specific actions

[1816] Input: Updated household accounting data and user emotion data.

[1817] Data processing: The server aggregates spending information and compares it with the budget. The emotion engine analyzes the aggregated results and emotion data to adjust the notification content.

[1818] Output: The notification message sent to the user (e.g., "You saved $80,000 in March. You're 75% of your goal.").

[1819] Through these steps, users can efficiently manage their finances and receive personalized advice and notifications based on their emotions.

[1820] (Application example 2)

[1821] 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."

[1822] Conventional household management systems were able to suggest optimal credit cards and point programs based on the user's life plan and budget information, but they were unable to adjust suggestions and notifications based on the user's emotional state. Furthermore, food delivery services lacked functionality such as optimal menu suggestions and appropriate coupon recommendations based on the user's emotions. This created a need for improved user satisfaction and usage efficiency.

[1823] The specific processing by the specific processing unit 290 of the data processing device 12 in the application example 2 is realized by the following means.

[1824] In this invention, the server includes means for analyzing the user's emotional data using an emotion engine and adjusting the content of suggestions, means for selecting a food delivery menu and analyzing the emotional data to adjust the meal suggestions, and means for acquiring payment and order information using the API of the credit card company and the API of the food delivery service. This enables detailed suggestions and notifications based on the user's emotional state, realizing a system that improves user satisfaction and usage efficiency.

[1825] A "user" is an individual who uses the system to input their life plan and budget information and receive recommendations for the most suitable credit card or point program.

[1826] A "terminal" is an electronic device used by a user to input information and receive suggestions and notifications from a server, and includes PCs, smartphones, tablets, etc.

[1827] "Life plan" refers to the life goals and plans that users want to achieve in the future.

[1828] "Budget Information" means financial data necessary for managing your household finances, such as your income, expenses, and savings goals.

[1829] A "server" is a central computer that stores the information entered by users, analyzes it, generates optimal suggestions, and sends notifications.

[1830] The "emotion engine" is a software engine that analyzes the user's emotional data and adjusts the content of suggestions and notifications based on the results.

[1831] "Emotional data" is data that indicates the user's emotional state and is obtained from facial expressions, voice, text, etc.

[1832] A "credit card" is a card-type payment method that users use to purchase goods and services.

[1833] A "points program" is a service in which points are awarded based on the amount of credit card usage, and these points can be exchanged for various benefits and products.

[1834] "Payment" refers to the act of a user paying for goods or services using a credit card or other means.

[1835] "Real-time" refers to processing occurring almost immediately in real time.

[1836] A "household account book" is a ledger that records the user's income and expenses and supports household management.

[1837] "Goal achievement" is an indicator that evaluates progress toward the savings goals and spending plans set by the user.

[1838] "Food delivery" is a service where you order food via the internet and have it delivered.

[1839] "Menu suggestion" refers to the act of recommending the most suitable meal menu to a user in a food delivery service.

[1840] A "coupon" refers to a ticket or code that can be used to receive special benefits or discounts, allowing users to make purchases at a discount.

[1841] An "API" is an interface that allows different software applications to communicate with each other and access data and functionality.

[1842] This invention is a system that allows users to input their life plan and budget information, and the server uses that information to suggest optimal credit cards and point programs, thereby achieving efficient household management. It also recognizes the user's emotions and adjusts the content of suggestions and notifications accordingly. It also suggests optimal menus and recommends appropriate coupons for food delivery services, based on the user's emotions.

[1843] System configuration

[1844] 1. User Device

[1845] This is a device that allows users to input their life plan and budget information and acquire emotional data. Terminals can include PCs, smartphones, and tablets.

[1846] 2. Server

[1847] The server is responsible for storing and analyzing the input life plan and budget information. It also suggests optimal credit cards and point programs to users and reflects the executed payment information in the household account book. Furthermore, the server is equipped with an emotion engine that analyzes the user's emotional data and adjusts the content of the suggestions.

[1848] 3. Database

[1849] The database is connected to the server and is responsible for storing the user's life plan and budget information.

[1850] 4. Emotion Engine

[1851] The emotion engine recognizes the user's emotions and adjusts the content of suggestions and progress notifications. The emotion engine analyzes data obtained from the device (e.g., facial expressions, voice, text) to determine the user's emotional state.

[1852] 5. Credit Card and Food Delivery APIs

[1853] The server uses the credit card company's API and the food delivery service's API to obtain payment information and order information in real time.

[1854] System Operation

[1855] 1. Enter your user information

[1856] The user logs into the system using a terminal and enters their life plan (e.g., two trips per year) and budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen, and annual savings goal of 1 million yen). At the same time, the terminal also collects the user's emotional data (e.g., facial expressions, voice, and text).

[1857] 2. Data storage and analysis

[1858] The device sends the user's input life plan, budget information, and emotional data to the server, which stores the data in a database and begins analysis. The analysis then calculates the user's monthly disposable income and annual savings goal.

[1859] 3. Proposal Generation

[1860] Based on the analysis results, the server considers credit card return rates and point programs to recommend the most suitable credit card and point program to the user. The emotion engine analyzes the user's emotional data and adjusts the recommendations accordingly. For example, if the user is in a positive emotional state, it will suggest a risky payment method, and if the user is in a negative emotional state, it will suggest a safe payment method.

[1861] 4. Food delivery proposals

[1862] When a user uses a food delivery service, the server analyzes their emotional data using an emotion engine and suggests the most appropriate menu items and coupons based on their emotions. For example, if the emotion is positive, the server suggests new menu items and promotions, and if the emotion is negative, it suggests the user's favorite comfort food and discount coupons.

[1863] Specific examples

[1864] If Takahashi uses a food delivery app and enters "I'm busy, so I'd like to order dinner," and emotional data is collected, if the emotion is positive, suggestions for new menu items and information about limited-time promotions will be displayed. In addition, a credit card with a high point reward rate will be recommended as a payment method. A message such as "If you use credit card A today, you will receive a high point reward rate!" will be displayed.

[1865] Prompt Sentence Examples

[1866] "How can we provide optimal menu suggestions and coupons based on the emotional data of users when using food delivery services? Please pay particular attention to the difference between positive and negative emotions."

[1867] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1868] Step 1:

[1869] The user inputs life plan and budget information via a terminal and provides emotion data.

[1870] Input: Life plan (e.g., two trips per year), budget information (e.g., monthly income of 300,000 yen, fixed expenses of 150,000 yen), emotional data (e.g., facial expressions, voice, text)

[1871] How it works: The user logs in to the device, enters the required information using a form, and uses the camera and microphone to collect emotional data.

[1872] Output: The input data is stored on the terminal as a dataset for initial processing.

[1873] Step 2:

[1874] The terminal transmits the input data to the server.

[1875] Input: Life plan, budget information, and emotional data collected in Step 1

[1876] How it works: Data is sent from the device to the server via the API. Security measures such as encryption are applied during data transmission.

[1877] Output: The server stores the received data in the database.

[1878] Step 3:

[1879] The server analyzes the life plan and budget information stored in the database.

[1880] Input: Life plan and budget information stored in a database

[1881] How it works: The server extracts data from the database and uses analytical algorithms to calculate monthly disposable income and annual savings goals.

[1882] Output: The analysis results in the user's financial information (disposable income, savings goals, etc.).

[1883] Step 4:

[1884] The server proposes the most suitable credit card and point program based on the generated analysis results.

[1885] Input: Analysis results, credit card and rewards program database

[1886] How it works: The server evaluates credit card reward rates and rewards programs, and selects the most suitable card and program for the user.

[1887] Output: Best credit card and rewards program recommendations

[1888] Step 5:

[1889] The emotion engine analyzes the user's emotional data and adjusts the suggestions.

[1890] Input: User's emotional data, server analysis results

[1891] How it works: The emotion engine uses emotion recognition algorithms to analyze data and determine the user's emotional state. Suggestions are then tailored based on the emotion.

[1892] Output: Emotionally tailored recommendations

[1893] Step 6:

[1894] The user makes the payment using the suggested credit card and points program.

[1895] Input: Proposed credit card and rewards programs

[1896] How it works: The user selects a card according to the suggestions and makes the actual purchase and payment.

[1897] Output: The payment information is recorded in the credit card company's system and sent to the server.

[1898] Step 7:

[1899] The server obtains payment information in real time and updates the household account book.

[1900] Input: Payment information provided by the credit card company's API

[1901] How it works: The server uses the API to get the latest payment information and updates it in the user's household accounting database.

[1902] Output: Updated household account book

[1903] Step 8:

[1904] The server evaluates goal achievement and notifies the user of progress.

[1905] Input: Updated household account book, emotion data

[1906] How it works: The server analyzes the household finance data and evaluates the user's progress toward their savings goal. The emotion engine adjusts notifications based on the user's latest emotion data.

[1907] Output: Progress notification sent to the user (e.g., "You saved $80,000 in March. You're 75% of your goal.")

[1908] Step 9:

[1909] The user selects a food delivery menu, and the server suggests the most suitable menu based on emotional data.

[1910] Input: Food delivery app orders, user sentiment data

[1911] How it works: When a user selects a menu and places an order, the server analyzes the user's emotional state and provides menu suggestions and coupons according to the user's emotions.

[1912] Output: Optimal menu suggestions and coupons

[1913] 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.

[1914] 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.

[1915] 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.

[1916] 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.

[1917] FIG. 9 is a diagram illustrating an emotion map 400 on which multiple emotions are mapped. In the emotion map 400, emotions are arranged in concentric circles radiating from the center. Emotions closer to the center of the concentric circles are more primitive. Emotions representing states and actions arising from a state of mind are arranged on the outer edges of the concentric circles. The concept of emotion includes both affect and mental states. Emotions generally generated from reactions occurring in the brain are arranged on the left side of the concentric circles. Emotions generally induced by situational judgment are arranged on the right side of the concentric circles. Emotions generally generated from reactions occurring in the brain and induced by situational judgment are arranged on the upper and lower sides of the concentric circles. Furthermore, the emotion of "pleasure" is arranged on the upper side of the concentric circles, and the emotion of "discomfort" is arranged on the lower side. In this way, in the emotion map 400, multiple emotions are mapped based on the structure by which emotions are generated, and emotions that tend to occur simultaneously are mapped close to each other.

[1918] 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.

[1919] 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).

[1920] 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.

[1921] 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."

[1922] 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.

[1923] 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).

[1924] 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.

[1925] 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.

[1926] 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.

[1927] It is not necessary to store all of the specific processing program 56 in a storage device such as a server c...

Claims

1. A means for a user to input life plan and budget information via a terminal; A server stores and analyzes the input life plan and budget information; A means for the server to propose the most suitable credit card and point program based on the analysis results; A means for the user to make a payment based on the proposed credit card and point program; The server acquires payment information in real time and reflects it in the household account book. a means by which the server evaluates goal achievement and notifies the user of progress; A system including:

2. The system according to claim 1, wherein the server acquires payment information using an API of a credit card company.

3. 10. The system of claim 1, wherein the server notifies the user of progress based on monthly and yearly spending and savings goals.

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