system

Abstract

Provide a system. [Solution] means for receiving user authentication information and creating a user account; means for collecting financial data of a user and calculating a credit score; A means for accepting loan applications from users, examining the loans based on the credit scores, and providing the loans; means for scheduling loan repayments and sending repayment reminders to the user; means for generating and providing money management and savings advice to the user based on the user's financial situation; A system including:

Description

[Technical Field]

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

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

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

[0004] Today, people in poor areas have difficulty obtaining loans from traditional financial institutions due to a lack of credit. As a result, they are unable to secure funds to start a business or improve their lives, missing out on opportunities to escape poverty. Furthermore, if people in poor areas do not have the knowledge to properly manage and save money, they tend to use their meager income inefficiently, which can hinder their efforts to improve their lives. The present invention aims to provide a system that provides effective financial services on a small scale in order to resolve this situation. [Means for solving the problem]

[0005] The present invention solves this problem by providing a system including: means for receiving user authentication information and creating a user account; means for collecting user financial data and calculating a credit score; means for accepting loan applications from users, appraising the loan based on the credit score, and providing the loan; means for setting a loan repayment schedule and sending repayment reminders to the user; and means for generating and providing money management and savings advice based on the user's financial situation. Specifically, the system receives the user's name, address, phone number, and email address as authentication information and collects the user's income, expenses, past borrowing history, and repayment history as financial data, thereby enabling effective credit score calculation and loan service provision. As a result, people in impoverished areas can build credit, obtain funds to start businesses, and improve their lives.

[0006] "User authentication information" refers to information required for personal identification of a user and account authentication procedures, and specifically includes name, address, telephone number, email address, etc.

[0007] "User Account" refers to the collection of personal data and rights information that is set up for a User to access and use the System.

[0008] "Financial data" refers to information related to a user's economic activities, and specifically includes income, expenditures, past borrowing history, repayment history, and the like.

[0009] A "credit score" is a numerical value calculated based on a user's financial history, and is an index used to evaluate a user's creditworthiness.

[0010] "Loan Application" refers to the formal request process by a User to borrow funds.

[0011] "Loan screening" refers to the process of evaluating a user's loan application and determining whether or not to grant the loan.

[0012] "Repayment schedule" refers to a timetable showing the intended repayment of a loan within a given period of time.

[0013] "Payment reminder" refers to a message or alert that notifies a user of a loan repayment due date.

[0014] "Money Management" refers to the practice and guidance of effectively managing a user's income and expenses.

[0015] "Savings Advice" refers to guidance that includes specific methods or suggestions for a user to reduce living expenses. [Brief explanation of the drawings]

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

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

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

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

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

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

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

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

[0024] [First embodiment]

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

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

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

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

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

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

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

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

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

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

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

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

[0037] The present invention relates to a system for realizing a mobile banking app that is easily accessible to users. The system aims to effectively provide small-scale financial services to people in impoverished areas. The system collects user authentication information to create an account, collects the user's financial data, and calculates a credit score. The system also accepts loan applications from users, approves the loan based on the user's credit score, sets a repayment schedule, and sends repayment reminders. The system also generates and provides money management and savings advice based on the user's financial situation.

[0038] 1. User authentication module

[0039] Program processing and concrete examples:

[0040] Device: The user installs the app on their mobile device and opens the sign-up screen.

[0041] On the device: The user enters information into the app, such as their name, address, phone number, and email address.

[0042] Terminal: Sends the entered authentication information to the server.

[0043] Server: Stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[0044] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[0045] Server: Verifies that the entered passcode is correct and activates the account.

[0046] Example: User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[0047] 2. Credit Scoring Module

[0048] Program processing and concrete examples:

[0049] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[0050] Server: Runs the algorithm that calculates the credit score based on the collected data.

[0051] Server: Notifies the user of the calculated credit score.

[0052] Terminal: Displays the credit score to the user.

[0053] Example: User B enters income and expenditure information on the app. The server calculates a credit score based on this information and notifies User B of the result.

[0054] 3. Loan Service Module

[0055] Program processing and concrete examples:

[0056] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[0057] Terminal: Sends the entered information to the server.

[0058] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[0059] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[0060] Server: Sends a notification to the user that the transfer is complete.

[0061] Example: User C applies for a loan of 5,000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5,000 yen to User C's bank account.

[0062] 4. Repayment Management Module

[0063] Program processing and concrete examples:

[0064] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[0065] Terminal: The user makes the repayment and sends the information to the server.

[0066] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[0067] Example: If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[0068] 5. Advisory Module

[0069] Program processing and concrete examples:

[0070] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[0071] Server: Generates money management and savings advice based on collected data.

[0072] Server: Notifies the user of the advice.

[0073] Terminal: The user receives and confirms the advice.

[0074] Example: If user E frequently takes out small loans, the server can recognize this pattern and provide him with advice on saving and managing his money.

[0075] Through this system, it is possible to provide support to people in poor areas to build credit and aim for economic advancement.

[0076] The processing flow will be explained below.

[0077] The present invention relates to a system for realizing a mobile banking app that is easily accessible to users. The system aims to effectively provide small-scale financial services to people in impoverished areas. The system collects user authentication information to create an account, collects the user's financial data, and calculates a credit score. The system also accepts loan applications from users, approves the loan based on the user's credit score, sets a repayment schedule, and sends repayment reminders. The system also generates and provides money management and savings advice based on the user's financial situation.

[0078] 1. User authentication module

[0079] Program processing:

[0080] Step 1:

[0081] Device: The user installs the app on their mobile device and opens the sign-up screen.

[0082] Step 2:

[0083] On the device: The user enters information into the app, such as their name, address, phone number, and email address.

[0084] Step 3:

[0085] Terminal: Sends the entered authentication information to the server.

[0086] Step 4:

[0087] Server: Stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[0088] Step 5:

[0089] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[0090] Step 6:

[0091] Server: Verifies that the entered passcode is correct and activates the account.

[0092] Examples:

[0093] User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[0094] 2. Credit Scoring Module

[0095] Program processing:

[0096] Step 1:

[0097] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[0098] Step 2:

[0099] Server: Runs the algorithm that calculates the credit score based on the collected data.

[0100] Step 3:

[0101] Server: Notifies the user of the calculated credit score.

[0102] Step 4:

[0103] Terminal: Displays the credit score to the user.

[0104] Examples:

[0105] User B enters income and expenditure information into the app. The server calculates a credit score based on this information and notifies User B of the result.

[0106] 3. Loan Service Module

[0107] Program processing:

[0108] Step 1:

[0109] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[0110] Step 2:

[0111] Terminal: Sends the entered information to the server.

[0112] Step 3:

[0113] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[0114] Step 4:

[0115] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[0116] Step 5:

[0117] Server: Sends a notification to the user that the transfer is complete.

[0118] Examples:

[0119] User C applies for a loan of 5,000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5,000 yen to User C's bank account.

[0120] 4. Repayment Management Module

[0121] Program processing:

[0122] Step 1:

[0123] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[0124] Step 2:

[0125] Terminal: The user makes the repayment and sends the information to the server.

[0126] Step 3:

[0127] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[0128] Examples:

[0129] If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[0130] 5. Advisory Module

[0131] Program processing:

[0132] Step 1:

[0133] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[0134] Step 2:

[0135] Server: Generates money management and savings advice based on collected data.

[0136] Step 3:

[0137] Server: Notifies the user of the advice.

[0138] Step 4:

[0139] Terminal: The user receives and confirms the advice.

[0140] Examples:

[0141] If user E frequently takes out small loans, the server will recognize this pattern and provide user E with advice on saving and managing their money.

[0142] Through this system, it is possible to provide support to people in poor areas to build credit and aim for economic advancement.

[0143] Example 1

[0144] 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."

[0145] Providing effective financial services to people in poor regions is a major challenge. There is a need for methods to provide reliable financial services, particularly in environments where access to banks and financial institutions is limited. Furthermore, people in these regions lack credit information, making it difficult to use traditional credit screening methods. Furthermore, a lack of advice on loan repayment management and money management makes it difficult to manage finances sustainably.

[0146] 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.

[0147] In this invention, the server includes means for installing an app on a user's mobile device and opening a new registration screen, means for the user to input authentication information such as name, address, telephone number, and email address and send it to the server, means for the server to store the received authentication information in a database, generate a temporary passcode, and send it to the user's email address and telephone number, means for the user to input the received temporary passcode into the app and the server to authenticate and activate the account, means for collecting the user's financial data and calculating a credit score, means for accepting a loan application from the user, screening the loan based on the credit score, and providing the loan, means for setting a loan repayment schedule and sending repayment reminders to the user, and means for generating and providing money management and savings advice based on the user's financial situation. This makes it possible to provide financial services easily and effectively to people in impoverished areas and support credit information management and fund management.

[0148] A "user's mobile device" is a portable information terminal such as a smartphone or tablet used by a user.

[0149] "App" means a software application that runs on a mobile device.

[0150] The "new registration screen" is a user interface screen for entering necessary information when the user uses the app for the first time.

[0151] "Authentication information" refers to information such as name, address, telephone number, and email address required to identify a user.

[0152] A "server" is a computer system for processing, storing, and communicating with other devices.

[0153] A "database" is a system for efficiently storing, managing, and searching large amounts of data.

[0154] A "temporary passcode" is a one-time valid authentication code used to strengthen user authentication.

[0155] "Financial data" refers to financial information such as a user's income, expenses, past borrowing history, and repayment history.

[0156] A "credit score" is a score used to quantitatively evaluate a user's creditworthiness, and is calculated based on financial data.

[0157] A "loan application" is a formal request made by a user to be loaned a specific amount of money.

[0158] A "payment reminder" is an alert or message that reminds a user to remember when a loan payment is due.

[0159] "Financial management" refers to effectively managing a user's income and expenses and planning a budget.

[0160] "Savings advice" refers to providing users with suggestions on how to save money and how to manage their funds efficiently.

[0161] The present invention is a system for effectively providing small-scale financial services to people in poor areas. This system provides a mobile banking app that users can easily access using their mobile devices and provides a variety of financial assistance.

[0162] First, a user installs the app on their mobile device and opens the new registration screen. This app can be installed on portable devices such as smartphones and tablets. Next, the user enters authentication information such as name, address, phone number, and email address into the app. This information is temporarily stored by the device and sent to the server using a secure protocol (e.g., HTTPS).

[0163] The server stores the received authentication information in a database and generates a temporary passcode. This temporary passcode is sent to the user's email address or phone number. The user re-enters the received temporary passcode in the app, and the server verifies it. If the correct passcode is entered, the server activates the user's account.

[0164] After a user creates an account, the app collects the user's financial data, including the user's income, expenses, past borrowing history, and repayment history. The server calculates a credit score based on this data and notifies the user of the result. This allows the user to check their credit score in real time.

[0165] When a user applies for a loan, they enter the desired loan amount and repayment period into the app's loan application form. This information is sent to the server, which then reviews the loan based on the user's credit score and the application details. If the loan is approved, the server transfers the funds to the user's specified bank account and notifies the user that the transfer has been completed.

[0166] Regarding loan repayment management, after the loan is approved, the server sets up a repayment schedule and sends reminders to the user on the repayment due date. The user makes the repayment on the due date and sends the information from the app to the server. The server records the repayment history in a database and sends another reminder to the user on the next repayment due date.

[0167] The server then analyzes data such as the user's credit score, repayment history, and spending patterns to generate money management and savings advice, which is then sent to the user, who can view it on the app.

[0168] Through this system, it is possible to provide support to people in poor areas to build credit and aim for economic advancement.

[0169] Example prompts for generative AI models

[0170] "Please provide a detailed description of the steps a user takes to install and register a mobile banking app. In particular, please explain what the server and device processes are, including the specific actions taken at each step."

[0171] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0172] Step 1:

[0173] User: Installs the app on a mobile device and opens the new registration screen.

[0174] Specific actions: Open the app store, search for the mobile banking app, and tap the install button. After installation is complete, open the app and the new registration screen will be displayed.

[0175] Input: Mobile device, app

[0176] Output: Installed apps, new registration screen

[0177] Step 2:

[0178] User: Enters authentication information into the app, such as name, address, phone number, and email address.

[0179] Specific actions: Enter the required information in the form on the new registration screen and tap the [Submit] button.

[0180] Input: Name, address, phone number, email address

[0181] Output: The entered credentials

[0182] Step 3:

[0183] Device: Sends authentication information to the server.

[0184] Specific operation: When the submit button is tapped, the entered authentication information is temporarily stored, a data packet is generated, and it is sent to the server using the HTTPS protocol.

[0185] Input: The credentials entered by the user

[0186] Output: Authentication information sent to the server

[0187] Step 4:

[0188] Server: Stores the received authentication information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[0189] What it does: It queries a database to store the credentials, runs an algorithm to generate a temporary passcode, and then sends the generated passcode to the user via email or SMS.

[0190] Input: Submitted credentials

[0191] Output: Stored information, temporary passcode, email / SMS sent to user

[0192] Step 5:

[0193] User: Enter the temporary passcode they received into the app.

[0194] Specific actions: Check the temporary passcode received via email or SMS and enter it into the app's authentication screen.

[0195] Enter: Temporary passcode

[0196] Output: Passcode entered on the authentication screen

[0197] Step 6:

[0198] Device: Sends the entered passcode to the server.

[0199] What it does: Temporarily stores the passcode, generates a data packet, and sends it to the server using the HTTPS protocol.

[0200] Input: The passcode entered by the user

[0201] Output: Passcode sent to the server

[0202] Step 7:

[0203] Server: Verifies passcode accuracy and activates account.

[0204] Specific behavior: Retrieves the stored passcode from the database and compares it with the passcode entered by the user. If it is correct, updates the database to activate the account.

[0205] Enter: The passcode sent to you

[0206] Output: Account activated, user notified

[0207] Step 8:

[0208] Server: Collects and stores users' financial data and calculates their credit score.

[0209] What it does: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history, and stores it in a database. Runs an algorithm to calculate a credit score and generates the result.

[0210] Input: User's financial data

[0211] Output: The calculated credit score

[0212] Step 9:

[0213] Server: Notifies the user of the calculated credit score.

[0214] Specific operations: Generate and send a data packet that notifies the user's mobile device of the credit score.

[0215] Input: Calculated credit score

[0216] Output: Notify user, display credit score

[0217] Step 10:

[0218] User: Enters the desired loan amount and repayment period into the loan application form.

[0219] Specific actions: Open the loan application screen in the app, enter the required information in the form, and tap the "Apply" button.

[0220] Input: Loan amount, repayment period

[0221] Output: The entered loan application information

[0222] Step 11:

[0223] Terminal: Sends the entered loan application information to the server.

[0224] Specific operation: Temporarily store the application information, generate a data packet, and send it to the server using the HTTPS protocol.

[0225] Input: Loan application information

[0226] Output: Loan application information sent to the server

[0227] Step 12:

[0228] Server: Performs loan screening based on the submitted information and the user's credit score.

[0229] What it does: Retrieves the user's credit score from a database, matches it with the application information, runs a loan screening algorithm, and approves or denies the loan based on the results.

[0230] Input: Loan application information, credit score

[0231] Output: Loan screening results

[0232] Step 13:

[0233] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[0234] Specific behavior: After the loan is approved, the bank API is called to transfer funds to the bank account specified by the user. Once the transfer is complete, a notification is generated.

[0235] Input: Loan approval information, user's bank information

[0236] Output: Transfer completion notification

[0237] Step 14:

[0238] Server: Sends a notification to the user that the transfer is complete.

[0239] Specific operation: A data packet containing information on the completion of the transfer is generated and sent to the user's mobile device.

[0240] Input: Transfer completion information

[0241] Output: Sending a transfer completion notification

[0242] Step 15:

[0243] Server: Sets the loan repayment schedule and sends repayment reminders to the user.

[0244] What it does: Runs an algorithm to set a repayment schedule, and based on the results, generates and sends reminders to the user.

[0245] Input: Loan approval information, repayment schedule

[0246] Output: Repayment reminder

[0247] Step 16:

[0248] User: Makes a repayment and sends the information from the app to the server.

[0249] Specific operation: The repayment procedure is carried out on the app and the results are sent to the server.

[0250] Input: Repayment information

[0251] Output: Send repayment information to the server

[0252] Step 17:

[0253] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[0254] Specific operations: Record repayment information in the database, calculate the next repayment due date, generate reminders and send them to the user.

[0255] Input: Repayment information

[0256] Output: Recorded repayment information, next repayment reminder

[0257] Step 18:

[0258] Server: Collects data such as the user's credit score, repayment history, and spending patterns, and generates money management and savings advice.

[0259] Specific behavior: Collects necessary data from the database, runs algorithms to generate money management and savings advice, and notifies the user of the results.

[0260] Inputs: Credit score, repayment history, spending patterns

[0261] Output: Money management and saving advice

[0262] Step 19:

[0263] Server: Notifies the user of the advice.

[0264] Specific operation: A data packet is generated and sent to the user's mobile device to notify the generated advice.

[0265] Input: Money management and saving advice

[0266] Output: Advice notice

[0267] (Application example 1)

[0268] 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."

[0269] Conventional mobile banking systems focus on managing users' financial data and calculating credit scores, but they lack sufficient security measures, particularly when it comes to protecting financial data when using public networks. They also lack mechanisms to provide appropriate alerts and reminders when users are facing risky environments. Given this background, a system that can provide safe and reliable financial services is needed.

[0270] 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.

[0271] In this invention, the server includes means for receiving user authentication information and creating a user account, means for collecting user financial data and calculating a credit score, means for accepting a loan application from a user, screening the loan based on the credit score, and providing the loan, means for setting a loan repayment schedule and sending repayment reminders to the user, means for generating and providing money management and savings advice to the user based on the user's financial situation, means for detecting security risks and sending alerts, means for encrypting and protecting financial transactions, and means for sending reminders to the user when a security risk is detected. This strengthens the protection of financial data and enables the provision of safe and reliable financial services.

[0272] "User authentication" means that a user provides information to verify their identity and then creates an account based on that information.

[0273] "Financial Data" refers to information related to a user's finances, such as income, expenses, borrowing history, and repayment history.

[0274] A "credit score" is a numerical representation of a user's creditworthiness calculated based on financial data.

[0275] "Loan screening" is the process of determining whether or not a loan will be approved based on the user's credit score.

[0276] "Repayment Reminder" means a notification to a User to make Loan repayments on time.

[0277] "Fund management" means analyzing the user's financial situation and providing effective methods for managing funds.

[0278] "Money Savings Advice" means providing specific suggestions for users to save money.

[0279] "Security Risk" refers to any potential threat or danger to a User's financial data.

[0280] "Alert" means immediately notifying the user that a security risk exists.

[0281] "Financial transaction encryption" refers to the encryption of data for financial transactions conducted by users to ensure its security.

[0282] The following describes in detail the embodiments of the present invention. The present invention relates to a system for realizing a mobile banking app that is easily accessible to users, and aims to effectively provide small-scale financial services, particularly to people in poor areas. However, the present invention is not limited to these examples and can be applied to other situations.

[0283] 1. User authentication module

[0284] When a user installs the app on their mobile device and opens the new registration screen, the server collects authentication information such as name, address, phone number, and email address. This information is sent to the server and stored in a database. A temporary passcode is then generated and sent to the user's email address or phone number. The user enters the received temporary passcode into the app, and after the server verifies the passcode's validity, the user's account is activated.

[0285] Software used: Web frameworks such as Flask and Django, databases such as PostgreSQL

[0286] 2. Credit Scoring Module

[0287] The server collects financial data such as the user's income, expenses, and past borrowing and repayment history, and calculates a credit score based on this data. The calculated credit score is notified to the user, who can check the credit score on the app.

[0288] Software used: Python, Pandas library, etc.

[0289] 3. Loan Service Module

[0290] When a user enters the desired loan amount and repayment period into a loan application form, that information is sent to the server. The server reviews the loan based on the submitted information and the user's credit score, and if approved, transfers the funds to the bank account specified by the user. A notification of transfer completion is sent to the user.

[0291] Software used: Web frameworks such as Flask and Django, databases such as PostgreSQL

[0292] 4. Repayment Management Module

[0293] Once the loan is approved, the user server will set up a repayment schedule and send reminders to the user when the repayment is due. When the user makes a repayment, the information is sent to the server, which records it in the database. The server will also send reminders for the next repayment date.

[0294] Software used: Scheduling tools such as Celery

[0295] 5. Advisory Module

[0296] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns, and based on this data, generates and provides money management and savings advice to the user.

[0297] Software used: Machine learning libraries such as Scikit-learn

[0298] 6. Security Risk Detection Module

[0299] The server runs the app in the background, constantly monitoring the user's network environment and detecting security risks in real time (e.g., public Wi-Fi, phishing sites, etc.). When a risk is detected, it is recorded and handed over to the next module.

[0300] Software used: Network sniffing tools such as Scapy or Wireshark

[0301] 7. Financial Data Protection Module

[0302] The server automatically restricts financial transactions if a security risk is detected, for example, financial data is encrypted and users are given the option to discontinue transactions in this environment.

[0303] Software used: AES encryption library, etc.

[0304] 8. Security Reminder Module

[0305] The server sends instant notifications when a user engages in an insecure activity, for example, sending a reminder when the user connects to public Wi-Fi.

[0306] Software used: Firebase Cloud Messaging, etc.

[0307] Examples of concrete examples and prompts

[0308] A concrete example would be a scenario where a user tries to connect to public Wi-Fi in a cafe, and the app detects the risk, takes action to protect the data, and sends a warning message to the user.

[0309] Example prompt sentence:

[0310] When a user connects to public Wi-Fi, the app should detect security risks, protect their data, and generate a code to send a warning message.

[0311] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[0312] Step 1: Gather user credentials

[0313] A user installs the app on their mobile device and opens the new registration screen. The user enters their name, address, phone number, and email address. The entered authentication information is sent from the device to the server. The server stores the received information in a database and generates a temporary passcode that is sent to the user's email address or phone number.

[0314] Input: User authentication information (name, address, phone number, email address)

[0315] Output: Temporary passcode

[0316] Step 2: Authenticate and activate your account

[0317] The user receives a temporary passcode and enters it into the app. The device sends the entered temporary passcode to the server. The server verifies that the temporary passcode is valid and, if so, activates the account.

[0318] Enter: temporary passcode

[0319] Output: Activated accounts

[0320] Step 3: Collect financial data

[0321] The server collects financial data about the user, such as income, expenses, past borrowing history, and repayment history, which is stored in a database based on information provided by the user through online forms and additional input screens.

[0322] Input: User's financial data (income, expenses, borrowing history, repayment history)

[0323] Output: Stored financial data

[0324] Step 4: Calculate your credit score

[0325] The server calculates a credit score based on the collected financial data, using machine learning algorithms and statistical models to generate a reliable credit score, which is then communicated to the user and displayed on the app.

[0326] Input: Stored financial data

[0327] Output: Credit score

[0328] Step 5: Loan application and approval

[0329] The user enters the desired loan amount and repayment period into a loan application form. The application information is sent from the terminal to the server, where it is reviewed along with the user's credit score. Once the review is complete and the loan is approved, the funds are transferred to the specified bank account.

[0330] Input: Loan application information, credit score

[0331] Output: Screening results, transfer completion notification

[0332] Step 6: Set up and manage your repayment schedule

[0333] If the loan is approved, the server schedules the repayments and sends the user notifications when the repayments are due. When the user makes a payment, the information is sent back to the server, which updates the database and sends another notification when the next payment is due.

[0334] Input: Approved Loan Information

[0335] Output: Repayment schedule, repayment due date notice

[0336] Step 7: Money Management and Savings Advice

[0337] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns, and based on this data, generates and provides money management and savings advice to the user.

[0338] Input: User's credit score, spending patterns

[0339] Output: Money management, saving advice

[0340] Step 8: Detect security risks

[0341] The app constantly monitors the user's network environment in the background, detecting security risks such as public Wi-Fi and phishing sites. When a risk is detected, the information is sent to a server.

[0342] Input: User's network environment

[0343] Output: Security risk information

[0344] Step 9: Protect your financial data

[0345] If a security risk is detected, the server will encrypt the data of the financial transaction and provide the user with the option to abort the transaction if necessary.

[0346] Input: Security Risk Information

[0347] Output: Encrypted financial data, option to abort transaction

[0348] Step 10: Send security reminders

[0349] When a security risk is detected, the app will immediately notify the user, for example, if they connect to public Wi-Fi, a reminder will be sent to encourage them to take action.

[0350] Input: Security Risk Information

[0351] Output: Security reminder

[0352] 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.

[0353] The present invention relates to a mobile banking application system that is easily accessible to users. The system aims to effectively provide small-scale financial services to people in poor areas. To this end, the system can collect user authentication information, create accounts, collect financial data, and calculate credit scores. It can also accept loan applications from users, approve loans based on their credit scores, set repayment schedules, and send repayment reminders. It can also generate and provide money management and savings advice based on the user's financial situation.

[0354] Furthermore, the present invention can provide more personalized financial services by collecting and analyzing user emotion data through the combination of an emotion engine that recognizes user emotions. This emotion engine can evaluate correlations with the user's financial data and reflect this in the calculation of credit scores and adjustments to advice.

[0355] 1. User authentication module

[0356] Program processing and concrete examples:

[0357] Device: The user installs the app on their mobile device and opens the sign-up screen.

[0358] On the device: The user enters information into the app, such as their name, address, phone number, and email address.

[0359] Terminal: Sends the entered authentication information to the server.

[0360] Server: Stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[0361] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[0362] Server: Verifies that the entered passcode is correct and activates the account.

[0363] Example: User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[0364] 2. Credit Scoring Module

[0365] Program processing and concrete examples:

[0366] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[0367] Server: Runs the algorithm that calculates the credit score based on the collected data.

[0368] Server: Notifies the user of the calculated credit score.

[0369] Terminal: Displays the credit score to the user.

[0370] Example: User B enters income and expenditure information on the app. The server calculates a credit score based on this information and notifies User B of the result.

[0371] 3. Loan Service Module

[0372] Program processing and concrete examples:

[0373] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[0374] Terminal: Sends the entered information to the server.

[0375] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[0376] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[0377] Server: Sends a notification to the user that the transfer is complete.

[0378] Example: User C applies for a loan of 5,000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5,000 yen to User C's bank account.

[0379] 4. Repayment Management Module

[0380] Program processing and concrete examples:

[0381] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[0382] Terminal: The user makes the repayment and sends the information to the server.

[0383] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[0384] Example: If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[0385] 5. Advisory Module

[0386] Program processing and concrete examples:

[0387] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[0388] Server: Generates money management and savings advice based on collected data.

[0389] Server: Notifies the user of the advice.

[0390] Terminal: The user receives and confirms the advice.

[0391] Example: If user E frequently takes out small loans, the server can recognize this pattern and provide him with advice on saving and managing his money.

[0392] 6. Emotion Engine Module

[0393] Program processing and concrete examples:

[0394] Device: The emotion engine analyzes the user's facial expressions, voice, text input, etc. to collect emotional data.

[0395] Server: Analyzes the collected sentiment data and intersects the results with financial data to assess the user's overall state.

[0396] Server: Reflects the evaluation results in the calculation of the credit score and adjusts the advice content as necessary.

[0397] Server: Generates emotion-based advice and suggestions and notifies the user.

[0398] Example: If the emotion engine detects user F's stress state while using the app, the server will use that information to adjust the trust score and advice, suggesting ways to relax and reduce mental stress.

[0399] Through this system, it is possible to provide support to people in poor areas to build credit and move up financially, as well as provide more human support that takes into account their emotional state.

[0400] The processing flow will be explained below.

[0401] The present invention relates to a mobile banking application system that is easily accessible to users. The system aims to effectively provide small-scale financial services to people in poor areas. To this end, the system can collect user authentication information, create accounts, collect financial data, and calculate credit scores. It can also accept loan applications from users, approve loans based on their credit scores, set repayment schedules, and send repayment reminders. It can also generate and provide money management and savings advice based on the user's financial situation.

[0402] Furthermore, the present invention can provide more personalized financial services by collecting and analyzing user emotion data through the combination of an emotion engine that recognizes user emotions. This emotion engine can evaluate correlations with the user's financial data and reflect this in the calculation of credit scores and adjustments to advice.

[0403] 1. User authentication module

[0404] Program processing:

[0405] Step 1:

[0406] Device: The user installs the app on their mobile device and opens the sign-up screen.

[0407] Step 2:

[0408] On the device: The user enters information into the app, such as their name, address, phone number, and email address.

[0409] Step 3:

[0410] Terminal: Sends the entered authentication information to the server.

[0411] Step 4:

[0412] Server: Stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[0413] Step 5:

[0414] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[0415] Step 6:

[0416] Server: Verifies that the entered passcode is correct and activates the account.

[0417] Examples:

[0418] User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[0419] 2. Credit Scoring Module

[0420] Program processing:

[0421] Step 1:

[0422] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[0423] Step 2:

[0424] Server: Runs the algorithm that calculates the credit score based on the collected data.

[0425] Step 3:

[0426] Server: Notifies the user of the calculated credit score.

[0427] Step 4:

[0428] Terminal: Displays the credit score to the user.

[0429] Examples:

[0430] User B enters income and expenditure information into the app. The server calculates a credit score based on this information and notifies User B of the result.

[0431] 3. Loan Service Module

[0432] Program processing:

[0433] Step 1:

[0434] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[0435] Step 2:

[0436] Terminal: Sends the entered information to the server.

[0437] Step 3:

[0438] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[0439] Step 4:

[0440] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[0441] Step 5:

[0442] Server: Sends a notification to the user that the transfer is complete.

[0443] Examples:

[0444] User C applies for a loan of 5,000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5,000 yen to User C's bank account.

[0445] 4. Repayment Management Module

[0446] Program processing:

[0447] Step 1:

[0448] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[0449] Step 2:

[0450] Terminal: The user makes the repayment and sends the information to the server.

[0451] Step 3:

[0452] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[0453] Examples:

[0454] If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[0455] 5. Advisory Module

[0456] Program processing:

[0457] Step 1:

[0458] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[0459] Step 2:

[0460] Server: Generates money management and savings advice based on collected data.

[0461] Step 3:

[0462] Server: Notifies the user of the advice.

[0463] Step 4:

[0464] Terminal: The user receives and confirms the advice.

[0465] Examples:

[0466] If user E frequently takes out small loans, the server will recognize this pattern and provide user E with advice on saving and managing their money.

[0467] 6. Emotion Engine Module

[0468] Program processing:

[0469] Step 1:

[0470] Device: The emotion engine analyzes the user's facial expressions, voice, text input, etc. to collect emotional data.

[0471] Step 2:

[0472] Server: Analyzes the collected sentiment data and intersects the results with financial data to assess the user's overall state.

[0473] Step 3:

[0474] Server: Reflects the evaluation results in the calculation of the credit score and adjusts the advice content as necessary.

[0475] Step 4:

[0476] Server: Generates emotion-based advice and suggestions and notifies the user.

[0477] Examples:

[0478] If the emotion engine detects user F's stress state while using the app, the server will adjust the credit score and advice based on that information, and suggest ways to relax or reduce mental stress.

[0479] Through this system, it is possible to provide support to people in poor areas to build credit and move up financially, as well as provide more human support that takes into account their emotional state.

[0480] Example 2

[0481] 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."

[0482] Conventional mobile banking systems provide credit score calculations and loan services based on users' financial data, but it has been difficult to provide personalized financial services that take into account the user's emotional state. In particular, users in poor areas require more flexible and personal support, so a comprehensive evaluation system that incorporates emotional data is needed.

[0483] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[0484] In this invention, the server includes means for receiving user authentication information and creating a user account, means for collecting the user's financial data and calculating a credit score, and means for evaluating the user's status together with the financial data using an emotion engine that collects and analyzes the user's emotional data, and for adjusting the calculation of the credit score and the content of advice. This makes it possible to perform a comprehensive evaluation that integrates the user's financial data and emotional data, thereby providing more personalized financial services and advice.

[0485] "Authentication Information" means information used to identify a user and create an account, such as the user's name, address, phone number, and email address.

[0486] A "user account" is an account that is generated based on authentication information and that grants dedicated access rights to a specific user.

[0487] "Financial data" refers to data that indicates the user's financial situation, such as the user's income, expenses, past borrowing history, and repayment history.

[0488] A "credit score" is a numerical value used to assess a user's creditworthiness based on collected financial and emotional data.

[0489] A "loan application" is an act in which a user requests the system to request a loan of a specific amount.

[0490] "Loan screening" is the process of accepting a loan application from a user and determining whether or not to grant the loan based on factors such as credit score.

[0491] A "repayment schedule" is a plan that indicates when a user should make regular repayments on an approved loan.

[0492] A "repayment reminder" is a message that notifies the user of the loan repayment due date.

[0493] "Fund Management" is a service that monitors users' financial status and provides advice on how to manage their funds more effectively.

[0494] "Savings advice" is specific instructions or suggestions for how a user can reduce spending and use funds more efficiently.

[0495] "Emotion data" is data on the emotional state analyzed by the emotion engine based on the user's facial expressions, voice, text input, etc.

[0496] The "emotion engine" is an engine that collects and analyzes user emotional data and reflects the results in the system's evaluation process and advice generation.

[0497] The mobile banking application system of the present invention is designed to provide small-scale financial services to users living in poor areas. The system collects user authentication information, creates a user account, and calculates a credit score based on the user's financial data. It also accepts loan applications from users, reviews the loan based on the user's credit score, sets a repayment schedule, and sends repayment reminders. It can also provide money management and savings advice based on the user's financial situation. It also incorporates an emotion engine to analyze the user's emotion data and provide more personalized financial services.

[0498] User Authentication Module

[0499] A user installs the app on their mobile device and opens the new registration screen. The user enters authentication information such as name, address, phone number, and email address, and sends it to the server. The server stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number. When the user enters the received temporary passcode into the app, the server verifies the passcode and activates the account.

[0500] Examples:

[0501] User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[0502] Credit Scoring Module

[0503] The server collects financial data such as the user's income, expenses, past borrowing history, and repayment history. Based on this data, the server runs an algorithm to calculate a credit score and notifies the user of the result. The user can then check their credit score on their device.

[0504] Examples:

[0505] User B enters income and expenditure information into the app. The server calculates a credit score based on this information and notifies User B of the result.

[0506] Loan Service Module

[0507] The user enters the desired loan amount and repayment period into a loan application form and sends it to the server. The server then performs a loan review based on the user's credit score and application information. If the loan is approved, the server transfers the funds to the bank account specified by the user and sends a notification that the transfer has been completed.

[0508] Examples:

[0509] User C applies for a loan of 5000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5000 yen to User C's bank account.

[0510] Repayment Management Module

[0511] After the loan is approved, the server sets up a repayment schedule and sends the user reminders for the repayment due date. The user makes the repayment and sends the information to the server. The server records the repayment information in a database and sends the user another reminder for the next repayment due date.

[0512] Examples:

[0513] If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[0514] Advisory Module

[0515] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns. Based on the results, it generates money management and savings advice and notifies the user. The user receives and confirms the advice.

[0516] Examples:

[0517] If user E frequently takes out small loans, the server will recognize this pattern and provide user E with advice on saving and managing their money.

[0518] Emotion Engine Module

[0519] The emotion engine collects emotional data by analyzing the user's facial expressions, voice, text input, etc. The server analyzes the collected emotional data and cross-references the results with financial data to evaluate the user's overall condition. The evaluation results are reflected in the calculation of credit scores and advice content. Advice and suggestions based on emotions are generated and notified to the user.

[0520] Examples:

[0521] If the emotion engine detects user F's stress state while using the app, the server will adjust the credit score and advice based on that information, and suggest ways to relax or reduce mental stress.

[0522] Prompt Sentence Examples

[0523] "Please describe in detail the process that User A goes through when installing a new mobile banking app and entering the required information during initial registration to activate their account."

[0524] "Please explain in detail how User B enters income and expense information into the app, and a credit score is calculated based on that information."

[0525] "Please explain the process from when User C applies for a 5,000 yen loan through the app, to when the application is approved and the funds are transferred to his bank account."

[0526] "In managing loan repayments, please explain in detail how User D submits monthly repayment information and the server sends reminders."

[0527] "Please explain the process of generating advice to be provided to User E when he frequently uses small loans, from analyzing collected data to notification."

[0528] "Please explain in detail how the emotion engine analyzes the data and what advice or suggestions it would give to User F, who is detected to be in a state of stress while using the app."

[0529] The flow of the identification process in the second embodiment will be described with reference to FIG.

[0530] User Authentication Module

[0531] Step 1:

[0532] Device: The user installs the app on their mobile device and opens the sign-up screen.

[0533] Input: App installation and launch behavior

[0534] Output: Display of new registration screen

[0535] The user downloads and installs the app on the device. After the installation is complete, the user launches the app for the first time and the new registration screen is automatically displayed.

[0536] Step 2:

[0537] Terminal: The user enters authentication information such as name, address, phone number, and email address.

[0538] Input: User's name, address, phone number, email address

[0539] Output: Temporarily save the entered authentication information

[0540] The user enters authentication information such as their name, address, phone number, and email address into the input fields displayed on the new registration screen. Once the information is complete, the user taps the "Submit" button.

[0541] Step 3:

[0542] Terminal: Sends the entered authentication information to the server.

[0543] Input: User credentials

[0544] Output: Data transfer to the server

[0545] The terminal collects the authentication information entered by the user into a single data packet, encrypts it, and sends it to the server.

[0546] Step 4:

[0547] Server: Stores the received information in a database and generates a temporary passcode that is sent to the user's email address or phone number.

[0548] Input: Received credentials

[0549] Data processing: Record information in database, generate temporary passcode

[0550] Output: A temporary passcode is sent to the user.

[0551] The server stores the received authentication information in a database and simultaneously generates a temporary passcode, which is sent to the user's registered email address or phone number.

[0552] Step 5:

[0553] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[0554] Enter: the temporary passcode you received via email or SMS

[0555] Output: Temporary passcode sent

[0556] The user enters the received temporary passcode into the app's authentication screen and taps the "Authenticate" button. The entered data is sent to the server.

[0557] Step 6:

[0558] Server: Verifies that the entered passcode is correct and activates the account.

[0559] Input: The temporary passcode entered by the user

[0560] Data calculation: Passcode verification

[0561] Output: Account activation notification

[0562] The server verifies the temporary passcode entered by the user, and if correct, activates the account and notifies the user of the result.

[0563] Credit Scoring Module

[0564] Step 1:

[0565] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[0566] Input: User's request to retrieve financial data

[0567] Data collection: Collect financial data from each data source

[0568] Output: Collected financial data

[0569] The server makes API calls to each data source to collect financial data such as the user's income, expenses, borrowing history, and repayment history.

[0570] Step 2:

[0571] Server: Runs the algorithm that calculates the credit score based on the collected data.

[0572] Input: Collected financial data

[0573] Data Computing: Running Credit Scoring Algorithms

[0574] Output: The calculated credit score

[0575] The server runs an algorithm for calculating credit scores based on the collected financial data and calculates the user's credit score.

[0576] Step 3:

[0577] Server: Notifies the user of the calculated credit score.

[0578] Input: Calculated credit score

[0579] Output: Notification message to the user terminal

[0580] The server generates a notification message based on the calculation result and sends it to the user's terminal.

[0581] Step 4:

[0582] Terminal: Displays the credit score to the user.

[0583] Input: Notification message from the server

[0584] Output: Credit score displayed on screen

[0585] The terminal analyzes the received notification message and displays the credit score to the user.

[0586] Loan Service Module

[0587] Step 1:

[0588] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[0589] Input: Desired loan amount, repayment period

[0590] Output: Loan application data to be submitted

[0591] The user enters the desired loan amount and repayment period into the loan application form and taps the "Apply" button.

[0592] Step 2:

[0593] Terminal: Sends the entered information to the server.

[0594] Input: Loan application data

[0595] Output: Data transfer to the server

[0596] The terminal transmits the user's input to the server.

[0597] Step 3:

[0598] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[0599] Input: Loan application data, user's credit score

[0600] Data calculation: Running loan screening algorithms

[0601] Output: Review results

[0602] The server conducts a loan screening based on the user's input information and credit score, and generates the screening results.

[0603] Step 4:

[0604] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[0605] Input: Screening results, user account information

[0606] Output: Funds transfer execution

[0607] If approved, the server transfers the funds to the account specified by the user via the bank API.

[0608] Step 5:

[0609] Server: Sends a notification to the user that the transfer is complete.

[0610] Input: Transfer execution result

[0611] Output: Send a notification message to the user

[0612] The server generates a notification message notifying the user that the transfer has been completed and sends it to the user.

[0613] Repayment Management Module

[0614] Step 1:

[0615] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[0616] Input: Loan Approval Information

[0617] Data processing: Setting repayment schedules

[0618] Output: Send reminder

[0619] After approving the loan, the server sets up a repayment schedule and sends reminders to the user on repayment due dates.

[0620] Step 2:

[0621] Terminal: The user makes the repayment and sends the information to the server.

[0622] Input: Repayment information

[0623] Output: Repayment data to be sent

[0624] The user makes the repayment and sends the information to the server via the terminal.

[0625] Step 3:

[0626] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[0627] Input: Repayment data

[0628] Data recording: recording repayment information in a database

[0629] Output: Send next payment reminder

[0630] The server records the received repayment information in a database and sends the user a reminder of the next repayment due date.

[0631] Advisory Module

[0632] Step 1:

[0633] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[0634] Input: User's financial data

[0635] Data analysis: Analysis of collected data

[0636] Output: Generate analysis results

[0637] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns.

[0638] Step 2:

[0639] Server: Generates money management and savings advice based on collected data.

[0640] Input: Analysis results

[0641] Data Generation: Advice Generation

[0642] Output: Advice data

[0643] The server generates money management and savings advice based on the analysis results.

[0644] Step 3:

[0645] Server: Notifies the user of the advice.

[0646] Input: Advice data

[0647] Output: Send a notification message to the user

[0648] The server notifies the user of the generated advice.

[0649] Step 4:

[0650] Terminal: The user receives and confirms the advice.

[0651] Input: Notification message from the server

[0652] Output: Display advice

[0653] The device analyzes the received notification and displays advice.

[0654] Emotion Engine Module

[0655] Step 1:

[0656] Device: The emotion engine analyzes the user's facial expressions, voice, text input, etc. to collect emotional data.

[0657] Input: User facial expressions, voice, and text input

[0658] Data collection: Collecting emotional data

[0659] Output: Collected emotion data

[0660] The emotion engine analyzes and collects emotional data from the user's facial expressions, voice, and text input.

[0661] Step 2:

[0662] Server: Analyzes the collected sentiment data and intersects the results with financial data to assess the user's overall state.

[0663] Input: Emotion data, financial data

[0664] Data analysis: Cross-analysis of data

[0665] Output: Overall evaluation result

[0666] The server cross-analyzes the collected emotional data with financial data to assess the user's overall state.

[0667] Step 3:

[0668] Server: Reflects the evaluation results in the calculation of the credit score and adjusts the advice content as necessary.

[0669] Input: Overall evaluation result

[0670] Data calculations: credit score adjustments, advice updates

[0671] Output: Updated credit score, advice

[0672] The server adjusts the credit score based on the overall evaluation result and updates the advice.

[0673] Step 4:

[0674] Server: Generates emotion-based advice and suggestions and notifies the user.

[0675] Input: Updated advice

[0676] Output: Send a notification message to the user

[0677] The server generates emotion-based advice and suggestions and notifies the user.

[0678] (Application example 2)

[0679] 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."

[0680] Residents in poor areas have limited access to traditional financial services, lacking the means to build their credit or obtain loans quickly and easily. It is also difficult for them to receive appropriate money management and saving advice based on their financial situation, making it difficult for them to escape poverty. Another problem is the inability to provide personalized financial support that takes into account the user's emotional state.

[0681] 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.

[0682] In this invention, the server includes: means for receiving user authentication information and creating a user account; means for collecting the user's financial data and calculating a credit score; means for accepting loan applications from users, screening the loan based on the credit score, and providing the loan; means for setting a loan repayment schedule and sending repayment reminders to the user; means for generating and providing money management and savings advice based on the user's financial situation; and means for collecting the user's emotional data, analyzing the emotional data in conjunction with the financial data, and adjusting the advice content. This allows residents of impoverished areas to build their credit, quickly and easily obtain loans, and aim for economic improvement by receiving appropriate money management and savings advice. Furthermore, personalized financial support that takes emotional data into account allows them to receive more personal support.

[0683] "User Credentials" means personal information provided by a User to create their Account, including, but not limited to, name, address, telephone number, and email address.

[0684] A "means for generating a user account" is a method or technology for creating a new account based on the user's authentication information and managing it on the system.

[0685] "Financial data" refers to information related to the user's financial situation, such as the user's income, expenses, past borrowing history, and repayment history.

[0686] A "credit score" is a numerical value that evaluates a user's creditworthiness, calculated using an algorithm based on collected financial data.

[0687] "Loan underwriting" is the process of analyzing credit scores and other information to determine whether a user's application for a loan will be approved.

[0688] A "repayment schedule" is a schedule of loan repayments, including repayment dates and repayment amounts.

[0689] A "payment reminder" is an electronic message or alert that notifies a user of a loan repayment due date.

[0690] "Money management and savings advice" is a suggestion for appropriate money management and spending control that is created based on the user's financial situation.

[0691] "Emotion data" is information that represents the user's emotional state, obtained by analyzing the user's facial expressions, voice, text input, and the like.

[0692] An "emotion engine" is a system or algorithm that collects and analyzes users' emotional data and uses that data to provide personalized services and advice.

[0693] The present invention relates to a mobile banking application system that is easily accessible to users, and aims to effectively provide small-scale financial services, especially to residents in poor areas.

[0694] System Configuration

[0695] The system consists of the following main modules:

[0696] User Authentication Module

[0697] Credit Scoring Module

[0698] Loan Service Module

[0699] Repayment Management Module

[0700] Advisory Module

[0701] Emotion Engine Module

[0702] Hardware and software used

[0703] Hardware

[0704] Smartphone: A client device used by a user

[0705] Server: a back-end system for data processing and storage

[0706] software

[0707] Mobile Application (iOS / ANDROID): A front-end app for users to access financial services

[0708] Server-side backend (Node.js, Express): Responsible for processing each module

[0709] Database (MongoDB): Stores user and financial data

[0710] Emotion recognition engine (Microsoft® Azure® Cognitive Services): An engine that analyzes emotion data

[0711] Program processing explanation

[0712] User Authentication Module

[0713] An application installed on the device receives authentication information such as the user's name, address, phone number, and email address and sends it to a server. The server generates a temporary passcode and sends it to the user's email address or phone number. The user enters the received passcode into the app for authentication and an account is created.

[0714] Credit Scoring Module

[0715] The server collects financial data such as the user's income, expenses, borrowing history, and repayment history, and then runs an algorithm to calculate a credit score based on that data. The calculated credit score is then notified to the user and displayed on the app.

[0716] Loan Service Module

[0717] Users enter the desired loan amount and repayment period into a loan application form on the app and submit it to the server. The server then reviews the loan based on the submitted information and the user's credit score, and if approved, transfers the funds to the bank account specified by the user.

[0718] Repayment Management Module

[0719] After the loan is approved, the server schedules the repayments and sends the user reminders when the repayments are due. When the user makes a payment, the information is sent to the server, which updates the database and sends another reminder when the next payment is due.

[0720] Advisory Module

[0721] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns, and based on this data, generates money management and savings advice and notifies the user.

[0722] Emotion Engine Module

[0723] The emotion engine installed on the device collects emotional data by analyzing the user's facial expressions, voice, text input, etc. The server analyzes the collected emotional data and compares the results with financial data to evaluate the user's overall condition. The evaluation results are reflected in the calculation of the credit score, and advice content is adjusted as necessary. Advice and suggestions based on emotions are then notified to the user.

[0724] Specific examples

[0725] A user logs into a smartphone application and uses banking services. When the user applies for a small loan, it is reviewed based on their credit score and instantly approved. The user checks their monthly repayment schedule and receives reminders in the app. Furthermore, if the emotion engine detects that the user is stressed, it provides advice on saving money.

[0726] Prompt Sentence Examples

[0727] "You are a smartphone application developer. Design a mobile banking application for electronic payment services based on the following requirements: 1. User authentication, 2. Credit scoring, 3. Loan servicing, 4. Repayment management, 5. Advisory module, 6. Emotion engine module. For a specific scenario, please design it to ensure easy access for users in impoverished areas."

[0728] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[0729] Step 1:

[0730] A user opens an app installed on a smartphone application and accesses the new registration screen. The user enters authentication information such as name, address, phone number, and email address. The entered information is sent from the application to the server. The server receives this information, generates a temporary passcode, and sends it to the user's email address or phone number. When the user enters the received temporary passcode into the app, the server verifies the passcode's validity, creates a user account, and activates it. The input data is the user's authentication information, and the output data is the account activation status.

[0731] Step 2:

[0732] The server begins collecting financial data from the authenticated user. The user enters their income, expenses, borrowing history, repayment history, etc. through the application. This data is sent from the application to the server. The server stores the received financial data in a database and runs an algorithm to calculate a credit score based on that data. The calculated credit score is again notified to the user and displayed on the app. The input data is the user's financial information, and the output data is the credit score.

[0733] Step 3:

[0734] The user enters the desired loan amount and repayment period into a loan application form on the application. This information is sent to the server. The server runs a loan screening algorithm based on the received loan application data and a pre-calculated credit score. If the screening is approved, the server transfers the funds to the specified bank account and notifies the user. The input data is the loan application information, and the output data is the loan screening result and the status of the fund transfer.

[0735] Step 4:

[0736] The server automatically sets up a repayment schedule for approved loans and sends reminders to the user on repayment due dates. The user makes repayments through the application and the information is sent to the server. The server records the repayment information in a database and sends another reminder to the user on the next repayment due date. The input data is the repayment information and the output data is the reminder sending status.

[0737] Step 5:

[0738] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns. Based on the analysis results, it generates money management and savings advice. The generated advice is notified to the user, who can review it on the application. The input data is the user's continuous financial pattern data, and the output data is the generated advice.

[0739] Step 6:

[0740] The device's emotion engine analyzes the user's facial expressions, voice, text input, etc. to collect emotion data. This data is sent to a server where it is analyzed in conjunction with financial data. The server evaluates the user's overall condition based on the analysis results, calculates a credit score, and adjusts the advice content. Finally, personalized advice and suggestions based on emotions are notified to the user. The input data is emotion data, and the output data is adjusted advice.

[0741] 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.

[0742] 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.

[0743] 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.

[0744] [Second embodiment]

[0745] FIG. 3 shows an example of the configuration of a data processing system 210 according to the second embodiment.

[0746] 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.

[0747] 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).

[0748] 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.

[0749] 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.

[0750] 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).

[0751] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 are responsible for the exchange of various information between the processor 46 and the processor 28 via the network 54. The exchange of various information between the processor 46 and the processor 28 using the communication I / Fs 44 and 26 is carried out in a secure state.

[0752] 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.

[0753] 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.

[0754] 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.

[0755] 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.

[0756] 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."

[0757] The present invention relates to a system for realizing a mobile banking app that is easily accessible to users. The system aims to effectively provide small-scale financial services to people in impoverished areas. The system collects user authentication information to create an account, collects the user's financial data, and calculates a credit score. The system also accepts loan applications from users, approves the loan based on the user's credit score, sets a repayment schedule, and sends repayment reminders. The system also generates and provides money management and savings advice based on the user's financial situation.

[0758] 1. User authentication module

[0759] Program processing and concrete examples:

[0760] Device: The user installs the app on their mobile device and opens the sign-up screen.

[0761] On the device: The user enters information into the app, such as their name, address, phone number, and email address.

[0762] Terminal: Sends the entered authentication information to the server.

[0763] Server: Stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[0764] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[0765] Server: Verifies that the entered passcode is correct and activates the account.

[0766] Example: User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[0767] 2. Credit Scoring Module

[0768] Program processing and concrete examples:

[0769] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[0770] Server: Runs the algorithm that calculates the credit score based on the collected data.

[0771] Server: Notifies the user of the calculated credit score.

[0772] Terminal: Displays the credit score to the user.

[0773] Example: User B enters income and expenditure information on the app. The server calculates a credit score based on this information and notifies User B of the result.

[0774] 3. Loan Service Module

[0775] Program processing and concrete examples:

[0776] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[0777] Terminal: Sends the entered information to the server.

[0778] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[0779] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[0780] Server: Sends a notification to the user that the transfer is complete.

[0781] Example: User C applies for a loan of 5,000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5,000 yen to User C's bank account.

[0782] 4. Repayment Management Module

[0783] Program processing and concrete examples:

[0784] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[0785] Terminal: The user makes the repayment and sends the information to the server.

[0786] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[0787] Example: If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[0788] 5. Advisory Module

[0789] Program processing and concrete examples:

[0790] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[0791] Server: Generates money management and savings advice based on collected data.

[0792] Server: Notifies the user of the advice.

[0793] Terminal: The user receives and confirms the advice.

[0794] Example: If user E frequently takes out small loans, the server can recognize this pattern and provide him with advice on saving and managing his money.

[0795] Through this system, it is possible to provide support to people in poor areas to build credit and aim for economic advancement.

[0796] The processing flow will be explained below.

[0797] The present invention relates to a system for realizing a mobile banking app that is easily accessible to users. The system aims to effectively provide small-scale financial services to people in impoverished areas. The system collects user authentication information to create an account, collects the user's financial data, and calculates a credit score. The system also accepts loan applications from users, approves the loan based on the user's credit score, sets a repayment schedule, and sends repayment reminders. The system also generates and provides money management and savings advice based on the user's financial situation.

[0798] 1. User authentication module

[0799] Program processing:

[0800] Step 1:

[0801] Device: The user installs the app on their mobile device and opens the sign-up screen.

[0802] Step 2:

[0803] On the device: The user enters information into the app, such as their name, address, phone number, and email address.

[0804] Step 3:

[0805] Terminal: Sends the entered authentication information to the server.

[0806] Step 4:

[0807] Server: Stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[0808] Step 5:

[0809] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[0810] Step 6:

[0811] Server: Verifies that the entered passcode is correct and activates the account.

[0812] Examples:

[0813] User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[0814] 2. Credit Scoring Module

[0815] Program processing:

[0816] Step 1:

[0817] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[0818] Step 2:

[0819] Server: Runs the algorithm that calculates the credit score based on the collected data.

[0820] Step 3:

[0821] Server: Notifies the user of the calculated credit score.

[0822] Step 4:

[0823] Terminal: Displays the credit score to the user.

[0824] Examples:

[0825] User B enters income and expenditure information into the app. The server calculates a credit score based on this information and notifies User B of the result.

[0826] 3. Loan Service Module

[0827] Program processing:

[0828] Step 1:

[0829] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[0830] Step 2:

[0831] Terminal: Sends the entered information to the server.

[0832] Step 3:

[0833] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[0834] Step 4:

[0835] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[0836] Step 5:

[0837] Server: Sends a notification to the user that the transfer is complete.

[0838] Examples:

[0839] User C applies for a loan of 5,000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5,000 yen to User C's bank account.

[0840] 4. Repayment Management Module

[0841] Program processing:

[0842] Step 1:

[0843] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[0844] Step 2:

[0845] Terminal: The user makes the repayment and sends the information to the server.

[0846] Step 3:

[0847] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[0848] Examples:

[0849] If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[0850] 5. Advisory Module

[0851] Program processing:

[0852] Step 1:

[0853] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[0854] Step 2:

[0855] Server: Generates money management and savings advice based on collected data.

[0856] Step 3:

[0857] Server: Notifies the user of the advice.

[0858] Step 4:

[0859] Terminal: The user receives and confirms the advice.

[0860] Examples:

[0861] If user E frequently takes out small loans, the server will recognize this pattern and provide user E with advice on saving and managing their money.

[0862] Through this system, it is possible to provide support to people in poor areas to build credit and aim for economic advancement.

[0863] Example 1

[0864] 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."

[0865] Providing effective financial services to people in poor regions is a major challenge. There is a need for methods to provide reliable financial services, particularly in environments where access to banks and financial institutions is limited. Furthermore, people in these regions lack credit information, making it difficult to use traditional credit screening methods. Furthermore, a lack of advice on loan repayment management and money management makes it difficult to manage finances sustainably.

[0866] 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.

[0867] In this invention, the server includes means for installing an app on a user's mobile device and opening a new registration screen, means for the user to input authentication information such as name, address, telephone number, and email address and send it to the server, means for the server to store the received authentication information in a database, generate a temporary passcode, and send it to the user's email address and telephone number, means for the user to input the received temporary passcode into the app and the server to authenticate and activate the account, means for collecting the user's financial data and calculating a credit score, means for accepting a loan application from the user, screening the loan based on the credit score, and providing the loan, means for setting a loan repayment schedule and sending repayment reminders to the user, and means for generating and providing money management and savings advice based on the user's financial situation. This makes it possible to provide financial services easily and effectively to people in impoverished areas and support credit information management and fund management.

[0868] A "user's mobile device" is a portable information terminal such as a smartphone or tablet used by a user.

[0869] "App" means a software application that runs on a mobile device.

[0870] The "new registration screen" is a user interface screen for entering necessary information when the user uses the app for the first time.

[0871] "Authentication information" refers to information such as name, address, telephone number, and email address required to identify a user.

[0872] A "server" is a computer system for processing, storing, and communicating with other devices.

[0873] A "database" is a system for efficiently storing, managing, and searching large amounts of data.

[0874] A "temporary passcode" is a one-time valid authentication code used to strengthen user authentication.

[0875] "Financial data" refers to financial information such as a user's income, expenses, past borrowing history, and repayment history.

[0876] A "credit score" is a score used to quantitatively evaluate a user's creditworthiness, and is calculated based on financial data.

[0877] A "loan application" is a formal request made by a user to be loaned a specific amount of money.

[0878] A "payment reminder" is an alert or message that reminds a user to remember when a loan payment is due.

[0879] "Financial management" refers to effectively managing a user's income and expenses and planning a budget.

[0880] "Savings advice" refers to providing users with suggestions on how to save money and how to manage their funds efficiently.

[0881] The present invention is a system for effectively providing small-scale financial services to people in poor areas. This system provides a mobile banking app that users can easily access using their mobile devices and provides a variety of financial assistance.

[0882] First, a user installs the app on their mobile device and opens the new registration screen. This app can be installed on portable devices such as smartphones and tablets. Next, the user enters authentication information such as name, address, phone number, and email address into the app. This information is temporarily stored by the device and sent to the server using a secure protocol (e.g., HTTPS).

[0883] The server stores the received authentication information in a database and generates a temporary passcode. This temporary passcode is sent to the user's email address or phone number. The user re-enters the received temporary passcode in the app, and the server verifies it. If the correct passcode is entered, the server activates the user's account.

[0884] After a user creates an account, the app collects the user's financial data, including the user's income, expenses, past borrowing history, and repayment history. The server calculates a credit score based on this data and notifies the user of the result. This allows the user to check their credit score in real time.

[0885] When a user applies for a loan, they enter the desired loan amount and repayment period into the app's loan application form. This information is sent to the server, which then reviews the loan based on the user's credit score and the application details. If the loan is approved, the server transfers the funds to the user's specified bank account and notifies the user that the transfer has been completed.

[0886] Regarding loan repayment management, after the loan is approved, the server sets up a repayment schedule and sends reminders to the user on the repayment due date. The user makes the repayment on the due date and sends the information from the app to the server. The server records the repayment history in a database and sends another reminder to the user on the next repayment due date.

[0887] The server then analyzes data such as the user's credit score, repayment history, and spending patterns to generate money management and savings advice, which is then sent to the user, who can view it on the app.

[0888] Through this system, it is possible to provide support to people in poor areas to build credit and aim for economic advancement.

[0889] Example prompts for generative AI models

[0890] "Please provide a detailed description of the steps a user takes to install and register a mobile banking app. In particular, please explain what the server and device processes are, including the specific actions taken at each step."

[0891] The flow of the identification process in the first embodiment will be described with reference to FIG.

[0892] Step 1:

[0893] User: Installs the app on a mobile device and opens the new registration screen.

[0894] Specific actions: Open the app store, search for the mobile banking app, and tap the install button. After installation is complete, open the app and the new registration screen will be displayed.

[0895] Input: Mobile device, app

[0896] Output: Installed apps, new registration screen

[0897] Step 2:

[0898] User: Enters authentication information into the app, such as name, address, phone number, and email address.

[0899] Specific actions: Enter the required information in the form on the new registration screen and tap the [Submit] button.

[0900] Input: Name, address, phone number, email address

[0901] Output: The entered credentials

[0902] Step 3:

[0903] Device: Sends authentication information to the server.

[0904] Specific operation: When the submit button is tapped, the entered authentication information is temporarily stored, a data packet is generated, and it is sent to the server using the HTTPS protocol.

[0905] Input: The credentials entered by the user

[0906] Output: Authentication information sent to the server

[0907] Step 4:

[0908] Server: Stores the received authentication information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[0909] What it does: It queries a database to store the credentials, runs an algorithm to generate a temporary passcode, and then sends the generated passcode to the user via email or SMS.

[0910] Input: Submitted credentials

[0911] Output: Stored information, temporary passcode, email / SMS sent to user

[0912] Step 5:

[0913] User: Enter the temporary passcode they received into the app.

[0914] Specific actions: Check the temporary passcode received via email or SMS and enter it into the app's authentication screen.

[0915] Enter: Temporary passcode

[0916] Output: Passcode entered on the authentication screen

[0917] Step 6:

[0918] Device: Sends the entered passcode to the server.

[0919] What it does: Temporarily stores the passcode, generates a data packet, and sends it to the server using the HTTPS protocol.

[0920] Input: The passcode entered by the user

[0921] Output: Passcode sent to the server

[0922] Step 7:

[0923] Server: Verifies passcode accuracy and activates account.

[0924] Specific behavior: Retrieves the stored passcode from the database and compares it with the passcode entered by the user. If it is correct, updates the database to activate the account.

[0925] Enter: The passcode sent to you

[0926] Output: Account activated, user notified

[0927] Step 8:

[0928] Server: Collects and stores users' financial data and calculates their credit score.

[0929] What it does: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history, and stores it in a database. Runs an algorithm to calculate a credit score and generates the result.

[0930] Input: User's financial data

[0931] Output: The calculated credit score

[0932] Step 9:

[0933] Server: Notifies the user of the calculated credit score.

[0934] Specific operations: Generate and send a data packet that notifies the user's mobile device of the credit score.

[0935] Input: Calculated credit score

[0936] Output: Notify user, display credit score

[0937] Step 10:

[0938] User: Enters the desired loan amount and repayment period into the loan application form.

[0939] Specific actions: Open the loan application screen in the app, enter the required information in the form, and tap the "Apply" button.

[0940] Input: Loan amount, repayment period

[0941] Output: The entered loan application information

[0942] Step 11:

[0943] Terminal: Sends the entered loan application information to the server.

[0944] Specific operation: Temporarily store the application information, generate a data packet, and send it to the server using the HTTPS protocol.

[0945] Input: Loan application information

[0946] Output: Loan application information sent to the server

[0947] Step 12:

[0948] Server: Performs loan screening based on the submitted information and the user's credit score.

[0949] What it does: Retrieves the user's credit score from a database, matches it with the application information, runs a loan screening algorithm, and approves or denies the loan based on the results.

[0950] Input: Loan application information, credit score

[0951] Output: Loan screening results

[0952] Step 13:

[0953] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[0954] Specific behavior: After the loan is approved, the bank API is called to transfer funds to the bank account specified by the user. Once the transfer is complete, a notification is generated.

[0955] Input: Loan approval information, user's bank information

[0956] Output: Transfer completion notification

[0957] Step 14:

[0958] Server: Sends a notification to the user that the transfer is complete.

[0959] Specific operation: A data packet containing information on the completion of the transfer is generated and sent to the user's mobile device.

[0960] Input: Transfer completion information

[0961] Output: Sending a transfer completion notification

[0962] Step 15:

[0963] Server: Sets the loan repayment schedule and sends repayment reminders to the user.

[0964] What it does: Runs an algorithm to set a repayment schedule, and based on the results, generates and sends reminders to the user.

[0965] Input: Loan approval information, repayment schedule

[0966] Output: Repayment reminder

[0967] Step 16:

[0968] User: Makes a repayment and sends the information from the app to the server.

[0969] Specific operation: The repayment procedure is carried out on the app and the results are sent to the server.

[0970] Input: Repayment information

[0971] Output: Send repayment information to the server

[0972] Step 17:

[0973] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[0974] Specific operations: Record repayment information in the database, calculate the next repayment due date, generate reminders and send them to the user.

[0975] Input: Repayment information

[0976] Output: Recorded repayment information, next repayment reminder

[0977] Step 18:

[0978] Server: Collects data such as the user's credit score, repayment history, and spending patterns, and generates money management and savings advice.

[0979] Specific behavior: Collects necessary data from the database, runs algorithms to generate money management and savings advice, and notifies the user of the results.

[0980] Inputs: Credit score, repayment history, spending patterns

[0981] Output: Money management and saving advice

[0982] Step 19:

[0983] Server: Notifies the user of the advice.

[0984] Specific operation: A data packet is generated and sent to the user's mobile device to notify the generated advice.

[0985] Input: Money management and saving advice

[0986] Output: Advice notice

[0987] (Application example 1)

[0988] 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."

[0989] Conventional mobile banking systems focus on managing users' financial data and calculating credit scores, but they lack sufficient security measures, particularly when it comes to protecting financial data when using public networks. They also lack mechanisms to provide appropriate alerts and reminders when users are facing risky environments. Given this background, a system that can provide safe and reliable financial services is needed.

[0990] 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.

[0991] In this invention, the server includes means for receiving user authentication information and creating a user account, means for collecting user financial data and calculating a credit score, means for accepting a loan application from a user, screening the loan based on the credit score, and providing the loan, means for setting a loan repayment schedule and sending repayment reminders to the user, means for generating and providing money management and savings advice to the user based on the user's financial situation, means for detecting security risks and sending alerts, means for encrypting and protecting financial transactions, and means for sending reminders to the user when a security risk is detected. This strengthens the protection of financial data and enables the provision of safe and reliable financial services.

[0992] "User authentication" means that a user provides information to verify their identity and then creates an account based on that information.

[0993] "Financial Data" refers to information related to a user's finances, such as income, expenses, borrowing history, and repayment history.

[0994] A "credit score" is a numerical representation of a user's creditworthiness calculated based on financial data.

[0995] "Loan screening" is the process of determining whether or not a loan will be approved based on the user's credit score.

[0996] "Repayment Reminder" means a notification to a User to make Loan repayments on time.

[0997] "Fund management" means analyzing the user's financial situation and providing effective methods for managing funds.

[0998] "Money Savings Advice" means providing specific suggestions for users to save money.

[0999] "Security Risk" refers to any potential threat or danger to a User's financial data.

[1000] "Alert" means immediately notifying the user that a security risk exists.

[1001] "Financial transaction encryption" refers to the encryption of data for financial transactions conducted by users to ensure its security.

[1002] The following describes in detail the embodiments of the present invention. The present invention relates to a system for realizing a mobile banking app that is easily accessible to users, and aims to effectively provide small-scale financial services, particularly to people in poor areas. However, the present invention is not limited to these examples and can be applied to other situations.

[1003] 1. User authentication module

[1004] When a user installs the app on their mobile device and opens the new registration screen, the server collects authentication information such as name, address, phone number, and email address. This information is sent to the server and stored in a database. A temporary passcode is then generated and sent to the user's email address or phone number. The user enters the received temporary passcode into the app, and after the server verifies the passcode's validity, the user's account is activated.

[1005] Software used: Web frameworks such as Flask and Django, databases such as PostgreSQL

[1006] 2. Credit Scoring Module

[1007] The server collects financial data such as the user's income, expenses, and past borrowing and repayment history, and calculates a credit score based on this data. The calculated credit score is notified to the user, who can check the credit score on the app.

[1008] Software used: Python, Pandas library, etc.

[1009] 3. Loan Service Module

[1010] When a user enters the desired loan amount and repayment period into a loan application form, that information is sent to the server. The server reviews the loan based on the submitted information and the user's credit score, and if approved, transfers the funds to the bank account specified by the user. A notification of transfer completion is sent to the user.

[1011] Software used: Web frameworks such as Flask and Django, databases such as PostgreSQL

[1012] 4. Repayment Management Module

[1013] Once the loan is approved, the user server will set up a repayment schedule and send reminders to the user when the repayment is due. When the user makes a repayment, the information is sent to the server, which records it in the database. The server will also send reminders for the next repayment date.

[1014] Software used: Scheduling tools such as Celery

[1015] 5. Advisory Module

[1016] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns, and based on this data, generates and provides money management and savings advice to the user.

[1017] Software used: Machine learning libraries such as Scikit-learn

[1018] 6. Security Risk Detection Module

[1019] The server runs the app in the background, constantly monitoring the user's network environment and detecting security risks in real time (e.g., public Wi-Fi, phishing sites, etc.). When a risk is detected, it is recorded and handed over to the next module.

[1020] Software used: Network sniffing tools such as Scapy or Wireshark

[1021] 7. Financial Data Protection Module

[1022] The server automatically restricts financial transactions if a security risk is detected, for example, financial data is encrypted and users are given the option to discontinue transactions in this environment.

[1023] Software used: AES encryption library, etc.

[1024] 8. Security Reminder Module

[1025] The server sends instant notifications when a user engages in an insecure activity, for example, sending a reminder when the user connects to public Wi-Fi.

[1026] Software used: Firebase Cloud Messaging, etc.

[1027] Examples of concrete examples and prompts

[1028] A concrete example would be a scenario where a user tries to connect to public Wi-Fi in a cafe, and the app detects the risk, takes action to protect the data, and sends a warning message to the user.

[1029] Example prompt sentence:

[1030] When a user connects to public Wi-Fi, the app should detect security risks, protect their data, and generate a code to send a warning message.

[1031] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1032] Step 1: Gather user credentials

[1033] A user installs the app on their mobile device and opens the new registration screen. The user enters their name, address, phone number, and email address. The entered authentication information is sent from the device to the server. The server stores the received information in a database and generates a temporary passcode that is sent to the user's email address or phone number.

[1034] Input: User authentication information (name, address, phone number, email address)

[1035] Output: Temporary passcode

[1036] Step 2: Authenticate and activate your account

[1037] The user receives a temporary passcode and enters it into the app. The device sends the entered temporary passcode to the server. The server verifies that the temporary passcode is valid and, if so, activates the account.

[1038] Enter: temporary passcode

[1039] Output: Activated accounts

[1040] Step 3: Collect financial data

[1041] The server collects financial data about the user, such as income, expenses, past borrowing history, and repayment history, which is stored in a database based on information provided by the user through online forms and additional input screens.

[1042] Input: User's financial data (income, expenses, borrowing history, repayment history)

[1043] Output: Stored financial data

[1044] Step 4: Calculate your credit score

[1045] The server calculates a credit score based on the collected financial data, using machine learning algorithms and statistical models to generate a reliable credit score, which is then communicated to the user and displayed on the app.

[1046] Input: Stored financial data

[1047] Output: Credit score

[1048] Step 5: Loan application and approval

[1049] The user enters the desired loan amount and repayment period into a loan application form. The application information is sent from the terminal to the server, where it is reviewed along with the user's credit score. Once the review is complete and the loan is approved, the funds are transferred to the specified bank account.

[1050] Input: Loan application information, credit score

[1051] Output: Screening results, transfer completion notification

[1052] Step 6: Set up and manage your repayment schedule

[1053] If the loan is approved, the server schedules the repayments and sends the user notifications when the repayments are due. When the user makes a payment, the information is sent back to the server, which updates the database and sends another notification when the next payment is due.

[1054] Input: Approved Loan Information

[1055] Output: Repayment schedule, repayment due date notice

[1056] Step 7: Money Management and Savings Advice

[1057] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns, and based on this data, generates and provides money management and savings advice to the user.

[1058] Input: User's credit score, spending patterns

[1059] Output: Money management, saving advice

[1060] Step 8: Detect security risks

[1061] The app constantly monitors the user's network environment in the background, detecting security risks such as public Wi-Fi and phishing sites. When a risk is detected, the information is sent to a server.

[1062] Input: User's network environment

[1063] Output: Security risk information

[1064] Step 9: Protect your financial data

[1065] If a security risk is detected, the server will encrypt the data of the financial transaction and provide the user with the option to abort the transaction if necessary.

[1066] Input: Security Risk Information

[1067] Output: Encrypted financial data, option to abort transaction

[1068] Step 10: Send security reminders

[1069] When a security risk is detected, the app will immediately notify the user, for example, if they connect to public Wi-Fi, a reminder will be sent to encourage them to take action.

[1070] Input: Security Risk Information

[1071] Output: Security reminder

[1072] 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.

[1073] The present invention relates to a mobile banking application system that is easily accessible to users. The system aims to effectively provide small-scale financial services to people in poor areas. To this end, the system can collect user authentication information, create accounts, collect financial data, and calculate credit scores. It can also accept loan applications from users, approve loans based on their credit scores, set repayment schedules, and send repayment reminders. It can also generate and provide money management and savings advice based on the user's financial situation.

[1074] Furthermore, the present invention can provide more personalized financial services by collecting and analyzing user emotion data through the combination of an emotion engine that recognizes user emotions. This emotion engine can evaluate correlations with the user's financial data and reflect this in the calculation of credit scores and adjustments to advice.

[1075] 1. User authentication module

[1076] Program processing and concrete examples:

[1077] Device: The user installs the app on their mobile device and opens the sign-up screen.

[1078] On the device: The user enters information into the app, such as their name, address, phone number, and email address.

[1079] Terminal: Sends the entered authentication information to the server.

[1080] Server: Stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[1081] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[1082] Server: Verifies that the entered passcode is correct and activates the account.

[1083] Example: User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[1084] 2. Credit Scoring Module

[1085] Program processing and concrete examples:

[1086] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[1087] Server: Runs the algorithm that calculates the credit score based on the collected data.

[1088] Server: Notifies the user of the calculated credit score.

[1089] Terminal: Displays the credit score to the user.

[1090] Example: User B enters income and expenditure information on the app. The server calculates a credit score based on this information and notifies User B of the result.

[1091] 3. Loan Service Module

[1092] Program processing and concrete examples:

[1093] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[1094] Terminal: Sends the entered information to the server.

[1095] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[1096] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[1097] Server: Sends a notification to the user that the transfer is complete.

[1098] Example: User C applies for a loan of 5,000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5,000 yen to User C's bank account.

[1099] 4. Repayment Management Module

[1100] Program processing and concrete examples:

[1101] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[1102] Terminal: The user makes the repayment and sends the information to the server.

[1103] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[1104] Example: If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[1105] 5. Advisory Module

[1106] Program processing and concrete examples:

[1107] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[1108] Server: Generates money management and savings advice based on collected data.

[1109] Server: Notifies the user of the advice.

[1110] Terminal: The user receives and confirms the advice.

[1111] Example: If user E frequently takes out small loans, the server can recognize this pattern and provide him with advice on saving and managing his money.

[1112] 6. Emotion Engine Module

[1113] Program processing and concrete examples:

[1114] Device: The emotion engine analyzes the user's facial expressions, voice, text input, etc. to collect emotional data.

[1115] Server: Analyzes the collected sentiment data and intersects the results with financial data to assess the user's overall state.

[1116] Server: Reflects the evaluation results in the calculation of the credit score and adjusts the advice content as necessary.

[1117] Server: Generates emotion-based advice and suggestions and notifies the user.

[1118] Example: If the emotion engine detects user F's stress state while using the app, the server will use that information to adjust the trust score and advice, suggesting ways to relax and reduce mental stress.

[1119] Through this system, it is possible to provide support to people in poor areas to build credit and move up financially, as well as provide more human support that takes into account their emotional state.

[1120] The processing flow will be explained below.

[1121] The present invention relates to a mobile banking application system that is easily accessible to users. The system aims to effectively provide small-scale financial services to people in poor areas. To this end, the system can collect user authentication information, create accounts, collect financial data, and calculate credit scores. It can also accept loan applications from users, approve loans based on their credit scores, set repayment schedules, and send repayment reminders. It can also generate and provide money management and savings advice based on the user's financial situation.

[1122] Furthermore, the present invention can provide more personalized financial services by collecting and analyzing user emotion data through the combination of an emotion engine that recognizes user emotions. This emotion engine can evaluate correlations with the user's financial data and reflect this in the calculation of credit scores and adjustments to advice.

[1123] 1. User authentication module

[1124] Program processing:

[1125] Step 1:

[1126] Device: The user installs the app on their mobile device and opens the sign-up screen.

[1127] Step 2:

[1128] On the device: The user enters information into the app, such as their name, address, phone number, and email address.

[1129] Step 3:

[1130] Terminal: Sends the entered authentication information to the server.

[1131] Step 4:

[1132] Server: Stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[1133] Step 5:

[1134] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[1135] Step 6:

[1136] Server: Verifies that the entered passcode is correct and activates the account.

[1137] Examples:

[1138] User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[1139] 2. Credit Scoring Module

[1140] Program processing:

[1141] Step 1:

[1142] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[1143] Step 2:

[1144] Server: Runs the algorithm that calculates the credit score based on the collected data.

[1145] Step 3:

[1146] Server: Notifies the user of the calculated credit score.

[1147] Step 4:

[1148] Terminal: Displays the credit score to the user.

[1149] Examples:

[1150] User B enters income and expenditure information into the app. The server calculates a credit score based on this information and notifies User B of the result.

[1151] 3. Loan Service Module

[1152] Program processing:

[1153] Step 1:

[1154] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[1155] Step 2:

[1156] Terminal: Sends the entered information to the server.

[1157] Step 3:

[1158] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[1159] Step 4:

[1160] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[1161] Step 5:

[1162] Server: Sends a notification to the user that the transfer is complete.

[1163] Examples:

[1164] User C applies for a loan of 5,000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5,000 yen to User C's bank account.

[1165] 4. Repayment Management Module

[1166] Program processing:

[1167] Step 1:

[1168] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[1169] Step 2:

[1170] Terminal: The user makes the repayment and sends the information to the server.

[1171] Step 3:

[1172] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[1173] Examples:

[1174] If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[1175] 5. Advisory Module

[1176] Program processing:

[1177] Step 1:

[1178] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[1179] Step 2:

[1180] Server: Generates money management and savings advice based on collected data.

[1181] Step 3:

[1182] Server: Notifies the user of the advice.

[1183] Step 4:

[1184] Terminal: The user receives and confirms the advice.

[1185] Examples:

[1186] If user E frequently takes out small loans, the server will recognize this pattern and provide user E with advice on saving and managing their money.

[1187] 6. Emotion Engine Module

[1188] Program processing:

[1189] Step 1:

[1190] Device: The emotion engine analyzes the user's facial expressions, voice, text input, etc. to collect emotional data.

[1191] Step 2:

[1192] Server: Analyzes the collected sentiment data and intersects the results with financial data to assess the user's overall state.

[1193] Step 3:

[1194] Server: Reflects the evaluation results in the calculation of the credit score and adjusts the advice content as necessary.

[1195] Step 4:

[1196] Server: Generates emotion-based advice and suggestions and notifies the user.

[1197] Examples:

[1198] If the emotion engine detects user F's stress state while using the app, the server will adjust the credit score and advice based on that information, and suggest ways to relax or reduce mental stress.

[1199] Through this system, it is possible to provide support to people in poor areas to build credit and move up financially, as well as provide more human support that takes into account their emotional state.

[1200] Example 2

[1201] 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."

[1202] Conventional mobile banking systems provide credit score calculations and loan services based on users' financial data, but it has been difficult to provide personalized financial services that take into account the user's emotional state. In particular, users in poor areas require more flexible and personal support, so a comprehensive evaluation system that incorporates emotional data is needed.

[1203] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[1204] In this invention, the server includes means for receiving user authentication information and creating a user account, means for collecting the user's financial data and calculating a credit score, and means for evaluating the user's status together with the financial data using an emotion engine that collects and analyzes the user's emotional data, and for adjusting the calculation of the credit score and the content of advice. This makes it possible to perform a comprehensive evaluation that integrates the user's financial data and emotional data, thereby providing more personalized financial services and advice.

[1205] "Authentication Information" means information used to identify a user and create an account, such as the user's name, address, phone number, and email address.

[1206] A "user account" is an account that is generated based on authentication information and that grants dedicated access rights to a specific user.

[1207] "Financial data" refers to data that indicates the user's financial situation, such as the user's income, expenses, past borrowing history, and repayment history.

[1208] A "credit score" is a numerical value used to assess a user's creditworthiness based on collected financial and emotional data.

[1209] A "loan application" is an act in which a user requests the system to request a loan of a specific amount.

[1210] "Loan screening" is the process of accepting a loan application from a user and determining whether or not to grant the loan based on factors such as credit score.

[1211] A "repayment schedule" is a plan that indicates when a user should make regular repayments on an approved loan.

[1212] A "repayment reminder" is a message that notifies the user of the loan repayment due date.

[1213] "Fund Management" is a service that monitors users' financial status and provides advice on how to manage their funds more effectively.

[1214] "Savings advice" is specific instructions or suggestions for how a user can reduce spending and use funds more efficiently.

[1215] "Emotion data" is data on the emotional state analyzed by the emotion engine based on the user's facial expressions, voice, text input, etc.

[1216] The "emotion engine" is an engine that collects and analyzes user emotional data and reflects the results in the system's evaluation process and advice generation.

[1217] The mobile banking application system of the present invention is designed to provide small-scale financial services to users living in poor areas. The system collects user authentication information, creates a user account, and calculates a credit score based on the user's financial data. It also accepts loan applications from users, reviews the loan based on the user's credit score, sets a repayment schedule, and sends repayment reminders. It can also provide money management and savings advice based on the user's financial situation. It also incorporates an emotion engine to analyze the user's emotion data and provide more personalized financial services.

[1218] User Authentication Module

[1219] A user installs the app on their mobile device and opens the new registration screen. The user enters authentication information such as name, address, phone number, and email address, and sends it to the server. The server stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number. When the user enters the received temporary passcode into the app, the server verifies the passcode and activates the account.

[1220] Examples:

[1221] User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[1222] Credit Scoring Module

[1223] The server collects financial data such as the user's income, expenses, past borrowing history, and repayment history. Based on this data, the server runs an algorithm to calculate a credit score and notifies the user of the result. The user can then check their credit score on their device.

[1224] Examples:

[1225] User B enters income and expenditure information into the app. The server calculates a credit score based on this information and notifies User B of the result.

[1226] Loan Service Module

[1227] The user enters the desired loan amount and repayment period into a loan application form and sends it to the server. The server then performs a loan review based on the user's credit score and application information. If the loan is approved, the server transfers the funds to the bank account specified by the user and sends a notification that the transfer has been completed.

[1228] Examples:

[1229] User C applies for a loan of 5000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5000 yen to User C's bank account.

[1230] Repayment Management Module

[1231] After the loan is approved, the server sets up a repayment schedule and sends the user reminders for the repayment due date. The user makes the repayment and sends the information to the server. The server records the repayment information in a database and sends the user another reminder for the next repayment due date.

[1232] Examples:

[1233] If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[1234] Advisory Module

[1235] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns. Based on the results, it generates money management and savings advice and notifies the user. The user receives and confirms the advice.

[1236] Examples:

[1237] If user E frequently takes out small loans, the server will recognize this pattern and provide user E with advice on saving and managing their money.

[1238] Emotion Engine Module

[1239] The emotion engine collects emotional data by analyzing the user's facial expressions, voice, text input, etc. The server analyzes the collected emotional data and cross-references the results with financial data to evaluate the user's overall condition. The evaluation results are reflected in the calculation of credit scores and advice content. Advice and suggestions based on emotions are generated and notified to the user.

[1240] Examples:

[1241] If the emotion engine detects user F's stress state while using the app, the server will adjust the credit score and advice based on that information, and suggest ways to relax or reduce mental stress.

[1242] Prompt Sentence Examples

[1243] "Please describe in detail the process that User A goes through when installing a new mobile banking app and entering the required information during initial registration to activate their account."

[1244] "Please explain in detail how User B enters income and expense information into the app, and a credit score is calculated based on that information."

[1245] "Please explain the process from when User C applies for a 5,000 yen loan through the app, to when the application is approved and the funds are transferred to his bank account."

[1246] "In managing loan repayments, please explain in detail how User D submits monthly repayment information and the server sends reminders."

[1247] "Please explain the process of generating advice to be provided to User E when he frequently uses small loans, from analyzing collected data to notification."

[1248] "Please explain in detail how the emotion engine analyzes the data and what advice or suggestions it would give to User F, who is detected to be in a state of stress while using the app."

[1249] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1250] User Authentication Module

[1251] Step 1:

[1252] Device: The user installs the app on their mobile device and opens the sign-up screen.

[1253] Input: App installation and launch behavior

[1254] Output: Display of new registration screen

[1255] The user downloads and installs the app on the device. After the installation is complete, the user launches the app for the first time and the new registration screen is automatically displayed.

[1256] Step 2:

[1257] Terminal: The user enters authentication information such as name, address, phone number, and email address.

[1258] Input: User's name, address, phone number, email address

[1259] Output: Temporarily save the entered authentication information

[1260] The user enters authentication information such as their name, address, phone number, and email address into the input fields displayed on the new registration screen. Once the information is complete, the user taps the "Submit" button.

[1261] Step 3:

[1262] Terminal: Sends the entered authentication information to the server.

[1263] Input: User credentials

[1264] Output: Data transfer to the server

[1265] The terminal collects the authentication information entered by the user into a single data packet, encrypts it, and sends it to the server.

[1266] Step 4:

[1267] Server: Stores the received information in a database and generates a temporary passcode that is sent to the user's email address or phone number.

[1268] Input: Received credentials

[1269] Data processing: Record information in database, generate temporary passcode

[1270] Output: A temporary passcode is sent to the user.

[1271] The server stores the received authentication information in a database and simultaneously generates a temporary passcode, which is sent to the user's registered email address or phone number.

[1272] Step 5:

[1273] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[1274] Enter: the temporary passcode you received via email or SMS

[1275] Output: Temporary passcode sent

[1276] The user enters the received temporary passcode into the app's authentication screen and taps the "Authenticate" button. The entered data is sent to the server.

[1277] Step 6:

[1278] Server: Verifies that the entered passcode is correct and activates the account.

[1279] Input: The temporary passcode entered by the user

[1280] Data calculation: Passcode verification

[1281] Output: Account activation notification

[1282] The server verifies the temporary passcode entered by the user, and if correct, activates the account and notifies the user of the result.

[1283] Credit Scoring Module

[1284] Step 1:

[1285] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[1286] Input: User's request to retrieve financial data

[1287] Data collection: Collect financial data from each data source

[1288] Output: Collected financial data

[1289] The server makes API calls to each data source to collect financial data such as the user's income, expenses, borrowing history, and repayment history.

[1290] Step 2:

[1291] Server: Runs the algorithm that calculates the credit score based on the collected data.

[1292] Input: Collected financial data

[1293] Data Computing: Running Credit Scoring Algorithms

[1294] Output: The calculated credit score

[1295] The server runs an algorithm for calculating credit scores based on the collected financial data and calculates the user's credit score.

[1296] Step 3:

[1297] Server: Notifies the user of the calculated credit score.

[1298] Input: Calculated credit score

[1299] Output: Notification message to the user terminal

[1300] The server generates a notification message based on the calculation result and sends it to the user's terminal.

[1301] Step 4:

[1302] Terminal: Displays the credit score to the user.

[1303] Input: Notification message from the server

[1304] Output: Credit score displayed on screen

[1305] The terminal analyzes the received notification message and displays the credit score to the user.

[1306] Loan Service Module

[1307] Step 1:

[1308] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[1309] Input: Desired loan amount, repayment period

[1310] Output: Loan application data to be submitted

[1311] The user enters the desired loan amount and repayment period into the loan application form and taps the "Apply" button.

[1312] Step 2:

[1313] Terminal: Sends the entered information to the server.

[1314] Input: Loan application data

[1315] Output: Data transfer to the server

[1316] The terminal transmits the user's input to the server.

[1317] Step 3:

[1318] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[1319] Input: Loan application data, user's credit score

[1320] Data calculation: Running loan screening algorithms

[1321] Output: Review results

[1322] The server conducts a loan screening based on the user's input information and credit score, and generates the screening results.

[1323] Step 4:

[1324] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[1325] Input: Screening results, user account information

[1326] Output: Funds transfer execution

[1327] If approved, the server transfers the funds to the account specified by the user via the bank API.

[1328] Step 5:

[1329] Server: Sends a notification to the user that the transfer is complete.

[1330] Input: Transfer execution result

[1331] Output: Send a notification message to the user

[1332] The server generates a notification message notifying the user that the transfer has been completed and sends it to the user.

[1333] Repayment Management Module

[1334] Step 1:

[1335] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[1336] Input: Loan Approval Information

[1337] Data processing: Setting repayment schedules

[1338] Output: Send reminder

[1339] After approving the loan, the server sets up a repayment schedule and sends reminders to the user on repayment due dates.

[1340] Step 2:

[1341] Terminal: The user makes the repayment and sends the information to the server.

[1342] Input: Repayment information

[1343] Output: Repayment data to be sent

[1344] The user makes the repayment and sends the information to the server via the terminal.

[1345] Step 3:

[1346] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[1347] Input: Repayment data

[1348] Data recording: recording repayment information in a database

[1349] Output: Send next payment reminder

[1350] The server records the received repayment information in a database and sends the user a reminder of the next repayment due date.

[1351] Advisory Module

[1352] Step 1:

[1353] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[1354] Input: User's financial data

[1355] Data analysis: Analysis of collected data

[1356] Output: Generate analysis results

[1357] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns.

[1358] Step 2:

[1359] Server: Generates money management and savings advice based on collected data.

[1360] Input: Analysis results

[1361] Data Generation: Advice Generation

[1362] Output: Advice data

[1363] The server generates money management and savings advice based on the analysis results.

[1364] Step 3:

[1365] Server: Notifies the user of the advice.

[1366] Input: Advice data

[1367] Output: Send a notification message to the user

[1368] The server notifies the user of the generated advice.

[1369] Step 4:

[1370] Terminal: The user receives and confirms the advice.

[1371] Input: Notification message from the server

[1372] Output: Display advice

[1373] The device analyzes the received notification and displays advice.

[1374] Emotion Engine Module

[1375] Step 1:

[1376] Device: The emotion engine analyzes the user's facial expressions, voice, text input, etc. to collect emotional data.

[1377] Input: User facial expressions, voice, and text input

[1378] Data collection: Collecting emotional data

[1379] Output: Collected emotion data

[1380] The emotion engine analyzes and collects emotional data from the user's facial expressions, voice, and text input.

[1381] Step 2:

[1382] Server: Analyzes the collected sentiment data and intersects the results with financial data to assess the user's overall state.

[1383] Input: Emotion data, financial data

[1384] Data analysis: Cross-analysis of data

[1385] Output: Overall evaluation result

[1386] The server cross-analyzes the collected emotional data with financial data to assess the user's overall state.

[1387] Step 3:

[1388] Server: Reflects the evaluation results in the calculation of the credit score and adjusts the advice content as necessary.

[1389] Input: Overall evaluation result

[1390] Data calculations: credit score adjustments, advice updates

[1391] Output: Updated credit score, advice

[1392] The server adjusts the credit score based on the overall evaluation result and updates the advice.

[1393] Step 4:

[1394] Server: Generates emotion-based advice and suggestions and notifies the user.

[1395] Input: Updated advice

[1396] Output: Send a notification message to the user

[1397] The server generates emotion-based advice and suggestions and notifies the user.

[1398] (Application example 2)

[1399] 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."

[1400] Residents in poor areas have limited access to traditional financial services, lacking the means to build their credit or obtain loans quickly and easily. It is also difficult for them to receive appropriate money management and saving advice based on their financial situation, making it difficult for them to escape poverty. Another problem is the inability to provide personalized financial support that takes into account the user's emotional state.

[1401] 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.

[1402] In this invention, the server includes: means for receiving user authentication information and creating a user account; means for collecting the user's financial data and calculating a credit score; means for accepting loan applications from users, screening the loan based on the credit score, and providing the loan; means for setting a loan repayment schedule and sending repayment reminders to the user; means for generating and providing money management and savings advice based on the user's financial situation; and means for collecting the user's emotional data, analyzing the emotional data in conjunction with the financial data, and adjusting the advice content. This allows residents of impoverished areas to build their credit, quickly and easily obtain loans, and aim for economic improvement by receiving appropriate money management and savings advice. Furthermore, personalized financial support that takes emotional data into account allows them to receive more personal support.

[1403] "User Credentials" means personal information provided by a User to create their Account, including, but not limited to, name, address, telephone number, and email address.

[1404] A "means for generating a user account" is a method or technology for creating a new account based on the user's authentication information and managing it on the system.

[1405] "Financial data" refers to information related to the user's financial situation, such as the user's income, expenses, past borrowing history, and repayment history.

[1406] A "credit score" is a numerical value that evaluates a user's creditworthiness, calculated using an algorithm based on collected financial data.

[1407] "Loan underwriting" is the process of analyzing credit scores and other information to determine whether a user's application for a loan will be approved.

[1408] A "repayment schedule" is a schedule of loan repayments, including repayment dates and repayment amounts.

[1409] A "payment reminder" is an electronic message or alert that notifies a user of a loan repayment due date.

[1410] "Money management and savings advice" is a suggestion for appropriate money management and spending control that is created based on the user's financial situation.

[1411] "Emotion data" is information that represents the user's emotional state, obtained by analyzing the user's facial expressions, voice, text input, and the like.

[1412] An "emotion engine" is a system or algorithm that collects and analyzes users' emotional data and uses that data to provide personalized services and advice.

[1413] The present invention relates to a mobile banking application system that is easily accessible to users, and aims to effectively provide small-scale financial services, especially to residents in poor areas.

[1414] System Configuration

[1415] The system consists of the following main modules:

[1416] User Authentication Module

[1417] Credit Scoring Module

[1418] Loan Service Module

[1419] Repayment Management Module

[1420] Advisory Module

[1421] Emotion Engine Module

[1422] Hardware and software used

[1423] Hardware

[1424] Smartphone: A client device used by a user

[1425] Server: a back-end system for data processing and storage

[1426] software

[1427] Mobile Application (iOS / Android): Front-end app for users to access financial services

[1428] Server-side backend (Node.js, Express): Responsible for processing each module

[1429] Database (MongoDB): Stores user and financial data

[1430] Emotion recognition engine (Microsoft Azure Cognitive Services): An engine that analyzes emotion data

[1431] Program processing explanation

[1432] User Authentication Module

[1433] An application installed on the device receives authentication information such as the user's name, address, phone number, and email address and sends it to a server. The server generates a temporary passcode and sends it to the user's email address or phone number. The user enters the received passcode into the app for authentication and an account is created.

[1434] Credit Scoring Module

[1435] The server collects financial data such as the user's income, expenses, borrowing history, and repayment history, and then runs an algorithm to calculate a credit score based on that data. The calculated credit score is then notified to the user and displayed on the app.

[1436] Loan Service Module

[1437] Users enter the desired loan amount and repayment period into a loan application form on the app and submit it to the server. The server then reviews the loan based on the submitted information and the user's credit score, and if approved, transfers the funds to the bank account specified by the user.

[1438] Repayment Management Module

[1439] After the loan is approved, the server schedules the repayments and sends the user reminders when the repayments are due. When the user makes a payment, the information is sent to the server, which updates the database and sends another reminder when the next payment is due.

[1440] Advisory Module

[1441] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns, and based on this data, generates money management and savings advice and notifies the user.

[1442] Emotion Engine Module

[1443] The emotion engine installed on the device collects emotional data by analyzing the user's facial expressions, voice, text input, etc. The server analyzes the collected emotional data and compares the results with financial data to evaluate the user's overall condition. The evaluation results are reflected in the calculation of the credit score, and advice content is adjusted as necessary. Advice and suggestions based on emotions are then notified to the user.

[1444] Specific examples

[1445] A user logs into a smartphone application and uses banking services. When the user applies for a small loan, it is reviewed based on their credit score and instantly approved. The user checks their monthly repayment schedule and receives reminders in the app. Furthermore, if the emotion engine detects that the user is stressed, it provides advice on saving money.

[1446] Prompt Sentence Examples

[1447] "You are a smartphone application developer. Design a mobile banking application for electronic payment services based on the following requirements: 1. User authentication, 2. Credit scoring, 3. Loan servicing, 4. Repayment management, 5. Advisory module, 6. Emotion engine module. For a specific scenario, please design it to ensure easy access for users in impoverished areas."

[1448] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[1449] Step 1:

[1450] A user opens an app installed on a smartphone application and accesses the new registration screen. The user enters authentication information such as name, address, phone number, and email address. The entered information is sent from the application to the server. The server receives this information, generates a temporary passcode, and sends it to the user's email address or phone number. When the user enters the received temporary passcode into the app, the server verifies the passcode's validity, creates a user account, and activates it. The input data is the user's authentication information, and the output data is the account activation status.

[1451] Step 2:

[1452] The server begins collecting financial data from the authenticated user. The user enters their income, expenses, borrowing history, repayment history, etc. through the application. This data is sent from the application to the server. The server stores the received financial data in a database and runs an algorithm to calculate a credit score based on that data. The calculated credit score is again notified to the user and displayed on the app. The input data is the user's financial information, and the output data is the credit score.

[1453] Step 3:

[1454] The user enters the desired loan amount and repayment period into a loan application form on the application. This information is sent to the server. The server runs a loan screening algorithm based on the received loan application data and a pre-calculated credit score. If the screening is approved, the server transfers the funds to the specified bank account and notifies the user. The input data is the loan application information, and the output data is the loan screening result and the status of the fund transfer.

[1455] Step 4:

[1456] The server automatically sets up a repayment schedule for approved loans and sends reminders to the user on repayment due dates. The user makes repayments through the application and the information is sent to the server. The server records the repayment information in a database and sends another reminder to the user on the next repayment due date. The input data is the repayment information and the output data is the reminder sending status.

[1457] Step 5:

[1458] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns. Based on the analysis results, it generates money management and savings advice. The generated advice is notified to the user, who can review it on the application. The input data is the user's continuous financial pattern data, and the output data is the generated advice.

[1459] Step 6:

[1460] The device's emotion engine analyzes the user's facial expressions, voice, text input, etc. to collect emotion data. This data is sent to a server where it is analyzed in conjunction with financial data. The server evaluates the user's overall condition based on the analysis results, calculates a credit score, and adjusts the advice content. Finally, personalized advice and suggestions based on emotions are notified to the user. The input data is emotion data, and the output data is adjusted advice.

[1461] 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.

[1462] 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.

[1463] 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.

[1464] [Third embodiment]

[1465] FIG. 5 shows an example of the configuration of a data processing system 310 according to the third embodiment.

[1466] 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.

[1467] 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).

[1468] 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.

[1469] 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.

[1470] 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).

[1471] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 are responsible for the exchange of various information between the processor 46 and the processor 28 via the network 54. The exchange of various information between the processor 46 and the processor 28 using the communication I / Fs 44 and 26 is carried out in a secure state.

[1472] 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.

[1473] 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.

[1474] 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.

[1475] 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.

[1476] 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."

[1477] The present invention relates to a system for realizing a mobile banking app that is easily accessible to users. The system aims to effectively provide small-scale financial services to people in impoverished areas. The system collects user authentication information to create an account, collects the user's financial data, and calculates a credit score. The system also accepts loan applications from users, approves the loan based on the user's credit score, sets a repayment schedule, and sends repayment reminders. The system also generates and provides money management and savings advice based on the user's financial situation.

[1478] 1. User authentication module

[1479] Program processing and concrete examples:

[1480] Device: The user installs the app on their mobile device and opens the sign-up screen.

[1481] On the device: The user enters information into the app, such as their name, address, phone number, and email address.

[1482] Terminal: Sends the entered authentication information to the server.

[1483] Server: Stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[1484] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[1485] Server: Verifies that the entered passcode is correct and activates the account.

[1486] Example: User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[1487] 2. Credit Scoring Module

[1488] Program processing and concrete examples:

[1489] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[1490] Server: Runs the algorithm that calculates the credit score based on the collected data.

[1491] Server: Notifies the user of the calculated credit score.

[1492] Terminal: Displays the credit score to the user.

[1493] Example: User B enters income and expenditure information on the app. The server calculates a credit score based on this information and notifies User B of the result.

[1494] 3. Loan Service Module

[1495] Program processing and concrete examples:

[1496] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[1497] Terminal: Sends the entered information to the server.

[1498] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[1499] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[1500] Server: Sends a notification to the user that the transfer is complete.

[1501] Example: User C applies for a loan of 5,000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5,000 yen to User C's bank account.

[1502] 4. Repayment Management Module

[1503] Program processing and concrete examples:

[1504] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[1505] Terminal: The user makes the repayment and sends the information to the server.

[1506] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[1507] Example: If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[1508] 5. Advisory Module

[1509] Program processing and concrete examples:

[1510] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[1511] Server: Generates money management and savings advice based on collected data.

[1512] Server: Notifies the user of the advice.

[1513] Terminal: The user receives and confirms the advice.

[1514] Example: If user E frequently takes out small loans, the server can recognize this pattern and provide him with advice on saving and managing his money.

[1515] Through this system, it is possible to provide support to people in poor areas to build credit and aim for economic advancement.

[1516] The processing flow will be explained below.

[1517] The present invention relates to a system for realizing a mobile banking app that is easily accessible to users. The system aims to effectively provide small-scale financial services to people in impoverished areas. The system collects user authentication information to create an account, collects the user's financial data, and calculates a credit score. The system also accepts loan applications from users, approves the loan based on the user's credit score, sets a repayment schedule, and sends repayment reminders. The system also generates and provides money management and savings advice based on the user's financial situation.

[1518] 1. User authentication module

[1519] Program processing:

[1520] Step 1:

[1521] Device: The user installs the app on their mobile device and opens the sign-up screen.

[1522] Step 2:

[1523] On the device: The user enters information into the app, such as their name, address, phone number, and email address.

[1524] Step 3:

[1525] Terminal: Sends the entered authentication information to the server.

[1526] Step 4:

[1527] Server: Stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[1528] Step 5:

[1529] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[1530] Step 6:

[1531] Server: Verifies that the entered passcode is correct and activates the account.

[1532] Examples:

[1533] User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[1534] 2. Credit Scoring Module

[1535] Program processing:

[1536] Step 1:

[1537] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[1538] Step 2:

[1539] Server: Runs the algorithm that calculates the credit score based on the collected data.

[1540] Step 3:

[1541] Server: Notifies the user of the calculated credit score.

[1542] Step 4:

[1543] Terminal: Displays the credit score to the user.

[1544] Examples:

[1545] User B enters income and expenditure information into the app. The server calculates a credit score based on this information and notifies User B of the result.

[1546] 3. Loan Service Module

[1547] Program processing:

[1548] Step 1:

[1549] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[1550] Step 2:

[1551] Terminal: Sends the entered information to the server.

[1552] Step 3:

[1553] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[1554] Step 4:

[1555] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[1556] Step 5:

[1557] Server: Sends a notification to the user that the transfer is complete.

[1558] Examples:

[1559] User C applies for a loan of 5,000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5,000 yen to User C's bank account.

[1560] 4. Repayment Management Module

[1561] Program processing:

[1562] Step 1:

[1563] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[1564] Step 2:

[1565] Terminal: The user makes the repayment and sends the information to the server.

[1566] Step 3:

[1567] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[1568] Examples:

[1569] If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[1570] 5. Advisory Module

[1571] Program processing:

[1572] Step 1:

[1573] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[1574] Step 2:

[1575] Server: Generates money management and savings advice based on collected data.

[1576] Step 3:

[1577] Server: Notifies the user of the advice.

[1578] Step 4:

[1579] Terminal: The user receives and confirms the advice.

[1580] Examples:

[1581] If user E frequently takes out small loans, the server will recognize this pattern and provide user E with advice on saving and managing their money.

[1582] Through this system, it is possible to provide support to people in poor areas to build credit and aim for economic advancement.

[1583] Example 1

[1584] 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."

[1585] Providing effective financial services to people in poor regions is a major challenge. There is a need for methods to provide reliable financial services, particularly in environments where access to banks and financial institutions is limited. Furthermore, people in these regions lack credit information, making it difficult to use traditional credit screening methods. Furthermore, a lack of advice on loan repayment management and money management makes it difficult to manage finances sustainably.

[1586] 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.

[1587] In this invention, the server includes means for installing an app on a user's mobile device and opening a new registration screen, means for the user to input authentication information such as name, address, telephone number, and email address and send it to the server, means for the server to store the received authentication information in a database, generate a temporary passcode, and send it to the user's email address and telephone number, means for the user to input the received temporary passcode into the app and the server to authenticate and activate the account, means for collecting the user's financial data and calculating a credit score, means for accepting a loan application from the user, screening the loan based on the credit score, and providing the loan, means for setting a loan repayment schedule and sending repayment reminders to the user, and means for generating and providing money management and savings advice based on the user's financial situation. This makes it possible to provide financial services easily and effectively to people in impoverished areas and support credit information management and fund management.

[1588] A "user's mobile device" is a portable information terminal such as a smartphone or tablet used by a user.

[1589] "App" means a software application that runs on a mobile device.

[1590] The "new registration screen" is a user interface screen for entering necessary information when the user uses the app for the first time.

[1591] "Authentication information" refers to information such as name, address, telephone number, and email address required to identify a user.

[1592] A "server" is a computer system for processing, storing, and communicating with other devices.

[1593] A "database" is a system for efficiently storing, managing, and searching large amounts of data.

[1594] A "temporary passcode" is a one-time valid authentication code used to strengthen user authentication.

[1595] "Financial data" refers to financial information such as a user's income, expenses, past borrowing history, and repayment history.

[1596] A "credit score" is a score used to quantitatively evaluate a user's creditworthiness, and is calculated based on financial data.

[1597] A "loan application" is a formal request made by a user to be loaned a specific amount of money.

[1598] A "payment reminder" is an alert or message that reminds a user to remember when a loan payment is due.

[1599] "Financial management" refers to effectively managing a user's income and expenses and planning a budget.

[1600] "Savings advice" refers to providing users with suggestions on how to save money and how to manage their funds efficiently.

[1601] The present invention is a system for effectively providing small-scale financial services to people in poor areas. This system provides a mobile banking app that users can easily access using their mobile devices and provides a variety of financial assistance.

[1602] First, a user installs the app on their mobile device and opens the new registration screen. This app can be installed on portable devices such as smartphones and tablets. Next, the user enters authentication information such as name, address, phone number, and email address into the app. This information is temporarily stored by the device and sent to the server using a secure protocol (e.g., HTTPS).

[1603] The server stores the received authentication information in a database and generates a temporary passcode. This temporary passcode is sent to the user's email address or phone number. The user re-enters the received temporary passcode in the app, and the server verifies it. If the correct passcode is entered, the server activates the user's account.

[1604] After a user creates an account, the app collects the user's financial data, including the user's income, expenses, past borrowing history, and repayment history. The server calculates a credit score based on this data and notifies the user of the result. This allows the user to check their credit score in real time.

[1605] When a user applies for a loan, they enter the desired loan amount and repayment period into the app's loan application form. This information is sent to the server, which then reviews the loan based on the user's credit score and the application details. If the loan is approved, the server transfers the funds to the user's specified bank account and notifies the user that the transfer has been completed.

[1606] Regarding loan repayment management, after the loan is approved, the server sets up a repayment schedule and sends reminders to the user on the repayment due date. The user makes the repayment on the due date and sends the information from the app to the server. The server records the repayment history in a database and sends another reminder to the user on the next repayment due date.

[1607] The server then analyzes data such as the user's credit score, repayment history, and spending patterns to generate money management and savings advice, which is then sent to the user, who can view it on the app.

[1608] Through this system, it is possible to provide support to people in poor areas to build credit and aim for economic advancement.

[1609] Example prompts for generative AI models

[1610] "Please provide a detailed description of the steps a user takes to install and register a mobile banking app. In particular, please explain what the server and device processes are, including the specific actions taken at each step."

[1611] The flow of the identification process in the first embodiment will be described with reference to FIG.

[1612] Step 1:

[1613] User: Installs the app on a mobile device and opens the new registration screen.

[1614] Specific actions: Open the app store, search for the mobile banking app, and tap the install button. After installation is complete, open the app and the new registration screen will be displayed.

[1615] Input: Mobile device, app

[1616] Output: Installed apps, new registration screen

[1617] Step 2:

[1618] User: Enters authentication information into the app, such as name, address, phone number, and email address.

[1619] Specific actions: Enter the required information in the form on the new registration screen and tap the [Submit] button.

[1620] Input: Name, address, phone number, email address

[1621] Output: The entered credentials

[1622] Step 3:

[1623] Device: Sends authentication information to the server.

[1624] Specific operation: When the submit button is tapped, the entered authentication information is temporarily stored, a data packet is generated, and it is sent to the server using the HTTPS protocol.

[1625] Input: The credentials entered by the user

[1626] Output: Authentication information sent to the server

[1627] Step 4:

[1628] Server: Stores the received authentication information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[1629] What it does: It queries a database to store the credentials, runs an algorithm to generate a temporary passcode, and then sends the generated passcode to the user via email or SMS.

[1630] Input: Submitted credentials

[1631] Output: Stored information, temporary passcode, email / SMS sent to user

[1632] Step 5:

[1633] User: Enter the temporary passcode they received into the app.

[1634] Specific actions: Check the temporary passcode received via email or SMS and enter it into the app's authentication screen.

[1635] Enter: Temporary passcode

[1636] Output: Passcode entered on the authentication screen

[1637] Step 6:

[1638] Device: Sends the entered passcode to the server.

[1639] What it does: Temporarily stores the passcode, generates a data packet, and sends it to the server using the HTTPS protocol.

[1640] Input: The passcode entered by the user

[1641] Output: Passcode sent to the server

[1642] Step 7:

[1643] Server: Verifies passcode accuracy and activates account.

[1644] Specific behavior: Retrieves the stored passcode from the database and compares it with the passcode entered by the user. If it is correct, updates the database to activate the account.

[1645] Enter: The passcode sent to you

[1646] Output: Account activated, user notified

[1647] Step 8:

[1648] Server: Collects and stores users' financial data and calculates their credit score.

[1649] What it does: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history, and stores it in a database. Runs an algorithm to calculate a credit score and generates the result.

[1650] Input: User's financial data

[1651] Output: The calculated credit score

[1652] Step 9:

[1653] Server: Notifies the user of the calculated credit score.

[1654] Specific operations: Generate and send a data packet that notifies the user's mobile device of the credit score.

[1655] Input: Calculated credit score

[1656] Output: Notify user, display credit score

[1657] Step 10:

[1658] User: Enters the desired loan amount and repayment period into the loan application form.

[1659] Specific actions: Open the loan application screen in the app, enter the required information in the form, and tap the "Apply" button.

[1660] Input: Loan amount, repayment period

[1661] Output: The entered loan application information

[1662] Step 11:

[1663] Terminal: Sends the entered loan application information to the server.

[1664] Specific operation: Temporarily store the application information, generate a data packet, and send it to the server using the HTTPS protocol.

[1665] Input: Loan application information

[1666] Output: Loan application information sent to the server

[1667] Step 12:

[1668] Server: Performs loan screening based on the submitted information and the user's credit score.

[1669] What it does: Retrieves the user's credit score from a database, matches it with the application information, runs a loan screening algorithm, and approves or denies the loan based on the results.

[1670] Input: Loan application information, credit score

[1671] Output: Loan screening results

[1672] Step 13:

[1673] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[1674] Specific behavior: After the loan is approved, the bank API is called to transfer funds to the bank account specified by the user. Once the transfer is complete, a notification is generated.

[1675] Input: Loan approval information, user's bank information

[1676] Output: Transfer completion notification

[1677] Step 14:

[1678] Server: Sends a notification to the user that the transfer is complete.

[1679] Specific operation: A data packet containing information on the completion of the transfer is generated and sent to the user's mobile device.

[1680] Input: Transfer completion information

[1681] Output: Sending a transfer completion notification

[1682] Step 15:

[1683] Server: Sets the loan repayment schedule and sends repayment reminders to the user.

[1684] What it does: Runs an algorithm to set a repayment schedule, and based on the results, generates and sends reminders to the user.

[1685] Input: Loan approval information, repayment schedule

[1686] Output: Repayment reminder

[1687] Step 16:

[1688] User: Makes a repayment and sends the information from the app to the server.

[1689] Specific operation: The repayment procedure is carried out on the app and the results are sent to the server.

[1690] Input: Repayment information

[1691] Output: Send repayment information to the server

[1692] Step 17:

[1693] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[1694] Specific operations: Record repayment information in the database, calculate the next repayment due date, generate reminders and send them to the user.

[1695] Input: Repayment information

[1696] Output: Recorded repayment information, next repayment reminder

[1697] Step 18:

[1698] Server: Collects data such as the user's credit score, repayment history, and spending patterns, and generates money management and savings advice.

[1699] Specific behavior: Collects necessary data from the database, runs algorithms to generate money management and savings advice, and notifies the user of the results.

[1700] Inputs: Credit score, repayment history, spending patterns

[1701] Output: Money management and saving advice

[1702] Step 19:

[1703] Server: Notifies the user of the advice.

[1704] Specific operation: A data packet is generated and sent to the user's mobile device to notify the generated advice.

[1705] Input: Money management and saving advice

[1706] Output: Advice notice

[1707] (Application example 1)

[1708] 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."

[1709] Conventional mobile banking systems focus on managing users' financial data and calculating credit scores, but they lack sufficient security measures, particularly when it comes to protecting financial data when using public networks. They also lack mechanisms to provide appropriate alerts and reminders when users are facing risky environments. Given this background, a system that can provide safe and reliable financial services is needed.

[1710] 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.

[1711] In this invention, the server includes means for receiving user authentication information and creating a user account, means for collecting user financial data and calculating a credit score, means for accepting a loan application from a user, screening the loan based on the credit score, and providing the loan, means for setting a loan repayment schedule and sending repayment reminders to the user, means for generating and providing money management and savings advice to the user based on the user's financial situation, means for detecting security risks and sending alerts, means for encrypting and protecting financial transactions, and means for sending reminders to the user when a security risk is detected. This strengthens the protection of financial data and enables the provision of safe and reliable financial services.

[1712] "User authentication" means that a user provides information to verify their identity and then creates an account based on that information.

[1713] "Financial Data" refers to information related to a user's finances, such as income, expenses, borrowing history, and repayment history.

[1714] A "credit score" is a numerical representation of a user's creditworthiness calculated based on financial data.

[1715] "Loan screening" is the process of determining whether or not a loan will be approved based on the user's credit score.

[1716] "Repayment Reminder" means a notification to a User to make Loan repayments on time.

[1717] "Fund management" means analyzing the user's financial situation and providing effective methods for managing funds.

[1718] "Money Savings Advice" means providing specific suggestions for users to save money.

[1719] "Security Risk" refers to any potential threat or danger to a User's financial data.

[1720] "Alert" means immediately notifying the user that a security risk exists.

[1721] "Financial transaction encryption" refers to the encryption of data for financial transactions conducted by users to ensure its security.

[1722] The following describes in detail the embodiments of the present invention. The present invention relates to a system for realizing a mobile banking app that is easily accessible to users, and aims to effectively provide small-scale financial services, particularly to people in poor areas. However, the present invention is not limited to these examples and can be applied to other situations.

[1723] 1. User authentication module

[1724] When a user installs the app on their mobile device and opens the new registration screen, the server collects authentication information such as name, address, phone number, and email address. This information is sent to the server and stored in a database. A temporary passcode is then generated and sent to the user's email address or phone number. The user enters the received temporary passcode into the app, and after the server verifies the passcode's validity, the user's account is activated.

[1725] Software used: Web frameworks such as Flask and Django, databases such as PostgreSQL

[1726] 2. Credit Scoring Module

[1727] The server collects financial data such as the user's income, expenses, and past borrowing and repayment history, and calculates a credit score based on this data. The calculated credit score is notified to the user, who can check the credit score on the app.

[1728] Software used: Python, Pandas library, etc.

[1729] 3. Loan Service Module

[1730] When a user enters the desired loan amount and repayment period into a loan application form, that information is sent to the server. The server reviews the loan based on the submitted information and the user's credit score, and if approved, transfers the funds to the bank account specified by the user. A notification of transfer completion is sent to the user.

[1731] Software used: Web frameworks such as Flask and Django, databases such as PostgreSQL

[1732] 4. Repayment Management Module

[1733] Once the loan is approved, the user server will set up a repayment schedule and send reminders to the user when the repayment is due. When the user makes a repayment, the information is sent to the server, which records it in the database. The server will also send reminders for the next repayment date.

[1734] Software used: Scheduling tools such as Celery

[1735] 5. Advisory Module

[1736] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns, and based on this data, generates and provides money management and savings advice to the user.

[1737] Software used: Machine learning libraries such as Scikit-learn

[1738] 6. Security Risk Detection Module

[1739] The server runs the app in the background, constantly monitoring the user's network environment and detecting security risks in real time (e.g., public Wi-Fi, phishing sites, etc.). When a risk is detected, it is recorded and handed over to the next module.

[1740] Software used: Network sniffing tools such as Scapy or Wireshark

[1741] 7. Financial Data Protection Module

[1742] The server automatically restricts financial transactions if a security risk is detected, for example, financial data is encrypted and users are given the option to discontinue transactions in this environment.

[1743] Software used: AES encryption library, etc.

[1744] 8. Security Reminder Module

[1745] The server sends instant notifications when a user engages in an insecure activity, for example, sending a reminder when the user connects to public Wi-Fi.

[1746] Software used: Firebase Cloud Messaging, etc.

[1747] Examples of concrete examples and prompts

[1748] A concrete example would be a scenario where a user tries to connect to public Wi-Fi in a cafe, and the app detects the risk, takes action to protect the data, and sends a warning message to the user.

[1749] Example prompt sentence:

[1750] When a user connects to public Wi-Fi, the app should detect security risks, protect their data, and generate a code to send a warning message.

[1751] The flow of the specific processing in the application example 1 will be described with reference to FIG.

[1752] Step 1: Gather user credentials

[1753] A user installs the app on their mobile device and opens the new registration screen. The user enters their name, address, phone number, and email address. The entered authentication information is sent from the device to the server. The server stores the received information in a database and generates a temporary passcode that is sent to the user's email address or phone number.

[1754] Input: User authentication information (name, address, phone number, email address)

[1755] Output: Temporary passcode

[1756] Step 2: Authenticate and activate your account

[1757] The user receives a temporary passcode and enters it into the app. The device sends the entered temporary passcode to the server. The server verifies that the temporary passcode is valid and, if so, activates the account.

[1758] Enter: temporary passcode

[1759] Output: Activated accounts

[1760] Step 3: Collect financial data

[1761] The server collects financial data about the user, such as income, expenses, past borrowing history, and repayment history, which is stored in a database based on information provided by the user through online forms and additional input screens.

[1762] Input: User's financial data (income, expenses, borrowing history, repayment history)

[1763] Output: Stored financial data

[1764] Step 4: Calculate your credit score

[1765] The server calculates a credit score based on the collected financial data, using machine learning algorithms and statistical models to generate a reliable credit score, which is then communicated to the user and displayed on the app.

[1766] Input: Stored financial data

[1767] Output: Credit score

[1768] Step 5: Loan application and approval

[1769] The user enters the desired loan amount and repayment period into a loan application form. The application information is sent from the terminal to the server, where it is reviewed along with the user's credit score. Once the review is complete and the loan is approved, the funds are transferred to the specified bank account.

[1770] Input: Loan application information, credit score

[1771] Output: Screening results, transfer completion notification

[1772] Step 6: Set up and manage your repayment schedule

[1773] If the loan is approved, the server schedules the repayments and sends the user notifications when the repayments are due. When the user makes a payment, the information is sent back to the server, which updates the database and sends another notification when the next payment is due.

[1774] Input: Approved Loan Information

[1775] Output: Repayment schedule, repayment due date notice

[1776] Step 7: Money Management and Savings Advice

[1777] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns, and based on this data, generates and provides money management and savings advice to the user.

[1778] Input: User's credit score, spending patterns

[1779] Output: Money management, saving advice

[1780] Step 8: Detect security risks

[1781] The app constantly monitors the user's network environment in the background, detecting security risks such as public Wi-Fi and phishing sites. When a risk is detected, the information is sent to a server.

[1782] Input: User's network environment

[1783] Output: Security risk information

[1784] Step 9: Protect your financial data

[1785] If a security risk is detected, the server will encrypt the data of the financial transaction and provide the user with the option to abort the transaction if necessary.

[1786] Input: Security Risk Information

[1787] Output: Encrypted financial data, option to abort transaction

[1788] Step 10: Send security reminders

[1789] When a security risk is detected, the app will immediately notify the user, for example, if they connect to public Wi-Fi, a reminder will be sent to encourage them to take action.

[1790] Input: Security Risk Information

[1791] Output: Security reminder

[1792] 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.

[1793] The present invention relates to a mobile banking application system that is easily accessible to users. The system aims to effectively provide small-scale financial services to people in poor areas. To this end, the system can collect user authentication information, create accounts, collect financial data, and calculate credit scores. It can also accept loan applications from users, approve loans based on their credit scores, set repayment schedules, and send repayment reminders. It can also generate and provide money management and savings advice based on the user's financial situation.

[1794] Furthermore, the present invention can provide more personalized financial services by collecting and analyzing user emotion data through the combination of an emotion engine that recognizes user emotions. This emotion engine can evaluate correlations with the user's financial data and reflect this in the calculation of credit scores and adjustments to advice.

[1795] 1. User authentication module

[1796] Program processing and concrete examples:

[1797] Device: The user installs the app on their mobile device and opens the sign-up screen.

[1798] On the device: The user enters information into the app, such as their name, address, phone number, and email address.

[1799] Terminal: Sends the entered authentication information to the server.

[1800] Server: Stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[1801] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[1802] Server: Verifies that the entered passcode is correct and activates the account.

[1803] Example: User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[1804] 2. Credit Scoring Module

[1805] Program processing and concrete examples:

[1806] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[1807] Server: Runs the algorithm that calculates the credit score based on the collected data.

[1808] Server: Notifies the user of the calculated credit score.

[1809] Terminal: Displays the credit score to the user.

[1810] Example: User B enters income and expenditure information on the app. The server calculates a credit score based on this information and notifies User B of the result.

[1811] 3. Loan Service Module

[1812] Program processing and concrete examples:

[1813] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[1814] Terminal: Sends the entered information to the server.

[1815] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[1816] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[1817] Server: Sends a notification to the user that the transfer is complete.

[1818] Example: User C applies for a loan of 5,000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5,000 yen to User C's bank account.

[1819] 4. Repayment Management Module

[1820] Program processing and concrete examples:

[1821] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[1822] Terminal: The user makes the repayment and sends the information to the server.

[1823] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[1824] Example: If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[1825] 5. Advisory Module

[1826] Program processing and concrete examples:

[1827] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[1828] Server: Generates money management and savings advice based on collected data.

[1829] Server: Notifies the user of the advice.

[1830] Terminal: The user receives and confirms the advice.

[1831] Example: If user E frequently takes out small loans, the server can recognize this pattern and provide him with advice on saving and managing his money.

[1832] 6. Emotion Engine Module

[1833] Program processing and concrete examples:

[1834] Device: The emotion engine analyzes the user's facial expressions, voice, text input, etc. to collect emotional data.

[1835] Server: Analyzes the collected sentiment data and intersects the results with financial data to assess the user's overall state.

[1836] Server: Reflects the evaluation results in the calculation of the credit score and adjusts the advice content as necessary.

[1837] Server: Generates emotion-based advice and suggestions and notifies the user.

[1838] Example: If the emotion engine detects user F's stress state while using the app, the server will use that information to adjust the trust score and advice, suggesting ways to relax and reduce mental stress.

[1839] Through this system, it is possible to provide support to people in poor areas to build credit and move up financially, as well as provide more human support that takes into account their emotional state.

[1840] The processing flow will be explained below.

[1841] The present invention relates to a mobile banking application system that is easily accessible to users. The system aims to effectively provide small-scale financial services to people in poor areas. To this end, the system can collect user authentication information, create accounts, collect financial data, and calculate credit scores. It can also accept loan applications from users, approve loans based on their credit scores, set repayment schedules, and send repayment reminders. It can also generate and provide money management and savings advice based on the user's financial situation.

[1842] Furthermore, the present invention can provide more personalized financial services by collecting and analyzing user emotion data through the combination of an emotion engine that recognizes user emotions. This emotion engine can evaluate correlations with the user's financial data and reflect this in the calculation of credit scores and adjustments to advice.

[1843] 1. User authentication module

[1844] Program processing:

[1845] Step 1:

[1846] Device: The user installs the app on their mobile device and opens the sign-up screen.

[1847] Step 2:

[1848] On the device: The user enters information into the app, such as their name, address, phone number, and email address.

[1849] Step 3:

[1850] Terminal: Sends the entered authentication information to the server.

[1851] Step 4:

[1852] Server: Stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[1853] Step 5:

[1854] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[1855] Step 6:

[1856] Server: Verifies that the entered passcode is correct and activates the account.

[1857] Examples:

[1858] User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[1859] 2. Credit Scoring Module

[1860] Program processing:

[1861] Step 1:

[1862] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[1863] Step 2:

[1864] Server: Runs the algorithm that calculates the credit score based on the collected data.

[1865] Step 3:

[1866] Server: Notifies the user of the calculated credit score.

[1867] Step 4:

[1868] Terminal: Displays the credit score to the user.

[1869] Examples:

[1870] User B enters income and expenditure information into the app. The server calculates a credit score based on this information and notifies User B of the result.

[1871] 3. Loan Service Module

[1872] Program processing:

[1873] Step 1:

[1874] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[1875] Step 2:

[1876] Terminal: Sends the entered information to the server.

[1877] Step 3:

[1878] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[1879] Step 4:

[1880] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[1881] Step 5:

[1882] Server: Sends a notification to the user that the transfer is complete.

[1883] Examples:

[1884] User C applies for a loan of 5,000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5,000 yen to User C's bank account.

[1885] 4. Repayment Management Module

[1886] Program processing:

[1887] Step 1:

[1888] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[1889] Step 2:

[1890] Terminal: The user makes the repayment and sends the information to the server.

[1891] Step 3:

[1892] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[1893] Examples:

[1894] If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[1895] 5. Advisory Module

[1896] Program processing:

[1897] Step 1:

[1898] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[1899] Step 2:

[1900] Server: Generates money management and savings advice based on collected data.

[1901] Step 3:

[1902] Server: Notifies the user of the advice.

[1903] Step 4:

[1904] Terminal: The user receives and confirms the advice.

[1905] Examples:

[1906] If user E frequently takes out small loans, the server will recognize this pattern and provide user E with advice on saving and managing their money.

[1907] 6. Emotion Engine Module

[1908] Program processing:

[1909] Step 1:

[1910] Device: The emotion engine analyzes the user's facial expressions, voice, text input, etc. to collect emotional data.

[1911] Step 2:

[1912] Server: Analyzes the collected sentiment data and intersects the results with financial data to assess the user's overall state.

[1913] Step 3:

[1914] Server: Reflects the evaluation results in the calculation of the credit score and adjusts the advice content as necessary.

[1915] Step 4:

[1916] Server: Generates emotion-based advice and suggestions and notifies the user.

[1917] Examples:

[1918] If the emotion engine detects user F's stress state while using the app, the server will adjust the credit score and advice based on that information, and suggest ways to relax or reduce mental stress.

[1919] Through this system, it is possible to provide support to people in poor areas to build credit and move up financially, as well as provide more human support that takes into account their emotional state.

[1920] Example 2

[1921] 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."

[1922] Conventional mobile banking systems provide credit score calculations and loan services based on users' financial data, but it has been difficult to provide personalized financial services that take into account the user's emotional state. In particular, users in poor areas require more flexible and personal support, so a comprehensive evaluation system that incorporates emotional data is needed.

[1923] The specific processing by the specific processing unit 290 of the data processing device 12 in the second embodiment is realized by the following means.

[1924] In this invention, the server includes means for receiving user authentication information and creating a user account, means for collecting the user's financial data and calculating a credit score, and means for evaluating the user's status together with the financial data using an emotion engine that collects and analyzes the user's emotional data, and for adjusting the calculation of the credit score and the content of advice. This makes it possible to perform a comprehensive evaluation that integrates the user's financial data and emotional data, thereby providing more personalized financial services and advice.

[1925] "Authentication Information" means information used to identify a user and create an account, such as the user's name, address, phone number, and email address.

[1926] A "user account" is an account that is generated based on authentication information and that grants dedicated access rights to a specific user.

[1927] "Financial data" refers to data that indicates the user's financial situation, such as the user's income, expenses, past borrowing history, and repayment history.

[1928] A "credit score" is a numerical value used to assess a user's creditworthiness based on collected financial and emotional data.

[1929] A "loan application" is an act in which a user requests the system to request a loan of a specific amount.

[1930] "Loan screening" is the process of accepting a loan application from a user and determining whether or not to grant the loan based on factors such as credit score.

[1931] A "repayment schedule" is a plan that indicates when a user should make regular repayments on an approved loan.

[1932] A "repayment reminder" is a message that notifies the user of the loan repayment due date.

[1933] "Fund Management" is a service that monitors users' financial status and provides advice on how to manage their funds more effectively.

[1934] "Savings advice" is specific instructions or suggestions for how a user can reduce spending and use funds more efficiently.

[1935] "Emotion data" is data on the emotional state analyzed by the emotion engine based on the user's facial expressions, voice, text input, etc.

[1936] The "emotion engine" is an engine that collects and analyzes user emotional data and reflects the results in the system's evaluation process and advice generation.

[1937] The mobile banking application system of the present invention is designed to provide small-scale financial services to users living in poor areas. The system collects user authentication information, creates a user account, and calculates a credit score based on the user's financial data. It also accepts loan applications from users, reviews the loan based on the user's credit score, sets a repayment schedule, and sends repayment reminders. It can also provide money management and savings advice based on the user's financial situation. It also incorporates an emotion engine to analyze the user's emotion data and provide more personalized financial services.

[1938] User Authentication Module

[1939] A user installs the app on their mobile device and opens the new registration screen. The user enters authentication information such as name, address, phone number, and email address, and sends it to the server. The server stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number. When the user enters the received temporary passcode into the app, the server verifies the passcode and activates the account.

[1940] Examples:

[1941] User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[1942] Credit Scoring Module

[1943] The server collects financial data such as the user's income, expenses, past borrowing history, and repayment history. Based on this data, the server runs an algorithm to calculate a credit score and notifies the user of the result. The user can then check their credit score on their device.

[1944] Examples:

[1945] User B enters income and expenditure information into the app. The server calculates a credit score based on this information and notifies User B of the result.

[1946] Loan Service Module

[1947] The user enters the desired loan amount and repayment period into a loan application form and sends it to the server. The server then performs a loan review based on the user's credit score and application information. If the loan is approved, the server transfers the funds to the bank account specified by the user and sends a notification that the transfer has been completed.

[1948] Examples:

[1949] User C applies for a loan of 5000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5000 yen to User C's bank account.

[1950] Repayment Management Module

[1951] After the loan is approved, the server sets up a repayment schedule and sends the user reminders for the repayment due date. The user makes the repayment and sends the information to the server. The server records the repayment information in a database and sends the user another reminder for the next repayment due date.

[1952] Examples:

[1953] If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[1954] Advisory Module

[1955] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns. Based on the results, it generates money management and savings advice and notifies the user. The user receives and confirms the advice.

[1956] Examples:

[1957] If user E frequently takes out small loans, the server will recognize this pattern and provide user E with advice on saving and managing their money.

[1958] Emotion Engine Module

[1959] The emotion engine collects emotional data by analyzing the user's facial expressions, voice, text input, etc. The server analyzes the collected emotional data and cross-references the results with financial data to evaluate the user's overall condition. The evaluation results are reflected in the calculation of credit scores and advice content. Advice and suggestions based on emotions are generated and notified to the user.

[1960] Examples:

[1961] If the emotion engine detects user F's stress state while using the app, the server will adjust the credit score and advice based on that information, and suggest ways to relax or reduce mental stress.

[1962] Prompt Sentence Examples

[1963] "Please describe in detail the process that User A goes through when installing a new mobile banking app and entering the required information during initial registration to activate their account."

[1964] "Please explain in detail how User B enters income and expense information into the app, and a credit score is calculated based on that information."

[1965] "Please explain the process from when User C applies for a 5,000 yen loan through the app, to when the application is approved and the funds are transferred to his bank account."

[1966] "In managing loan repayments, please explain in detail how User D submits monthly repayment information and the server sends reminders."

[1967] "Please explain the process of generating advice to be provided to User E when he frequently uses small loans, from analyzing collected data to notification."

[1968] "Please explain in detail how the emotion engine analyzes the data and what advice or suggestions it would give to User F, who is detected to be in a state of stress while using the app."

[1969] The flow of the identification process in the second embodiment will be described with reference to FIG.

[1970] User Authentication Module

[1971] Step 1:

[1972] Device: The user installs the app on their mobile device and opens the sign-up screen.

[1973] Input: App installation and launch behavior

[1974] Output: Display of new registration screen

[1975] The user downloads and installs the app on the device. After the installation is complete, the user launches the app for the first time and the new registration screen is automatically displayed.

[1976] Step 2:

[1977] Terminal: The user enters authentication information such as name, address, phone number, and email address.

[1978] Input: User's name, address, phone number, email address

[1979] Output: Temporarily save the entered authentication information

[1980] The user enters authentication information such as their name, address, phone number, and email address into the input fields displayed on the new registration screen. Once the information is complete, the user taps the "Submit" button.

[1981] Step 3:

[1982] Terminal: Sends the entered authentication information to the server.

[1983] Input: User credentials

[1984] Output: Data transfer to the server

[1985] The terminal collects the authentication information entered by the user into a single data packet, encrypts it, and sends it to the server.

[1986] Step 4:

[1987] Server: Stores the received information in a database and generates a temporary passcode that is sent to the user's email address or phone number.

[1988] Input: Received credentials

[1989] Data processing: Record information in database, generate temporary passcode

[1990] Output: A temporary passcode is sent to the user.

[1991] The server stores the received authentication information in a database and simultaneously generates a temporary passcode, which is sent to the user's registered email address or phone number.

[1992] Step 5:

[1993] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[1994] Enter: the temporary passcode you received via email or SMS

[1995] Output: Temporary passcode sent

[1996] The user enters the received temporary passcode into the app's authentication screen and taps the "Authenticate" button. The entered data is sent to the server.

[1997] Step 6:

[1998] Server: Verifies that the entered passcode is correct and activates the account.

[1999] Input: The temporary passcode entered by the user

[2000] Data calculation: Passcode verification

[2001] Output: Account activation notification

[2002] The server verifies the temporary passcode entered by the user, and if correct, activates the account and notifies the user of the result.

[2003] Credit Scoring Module

[2004] Step 1:

[2005] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[2006] Input: User's request to retrieve financial data

[2007] Data collection: Collect financial data from each data source

[2008] Output: Collected financial data

[2009] The server makes API calls to each data source to collect financial data such as the user's income, expenses, borrowing history, and repayment history.

[2010] Step 2:

[2011] Server: Runs the algorithm that calculates the credit score based on the collected data.

[2012] Input: Collected financial data

[2013] Data Computing: Running Credit Scoring Algorithms

[2014] Output: The calculated credit score

[2015] The server runs an algorithm for calculating credit scores based on the collected financial data and calculates the user's credit score.

[2016] Step 3:

[2017] Server: Notifies the user of the calculated credit score.

[2018] Input: Calculated credit score

[2019] Output: Notification message to the user terminal

[2020] The server generates a notification message based on the calculation result and sends it to the user's terminal.

[2021] Step 4:

[2022] Terminal: Displays the credit score to the user.

[2023] Input: Notification message from the server

[2024] Output: Credit score displayed on screen

[2025] The terminal analyzes the received notification message and displays the credit score to the user.

[2026] Loan Service Module

[2027] Step 1:

[2028] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[2029] Input: Desired loan amount, repayment period

[2030] Output: Loan application data to be submitted

[2031] The user enters the desired loan amount and repayment period into the loan application form and taps the "Apply" button.

[2032] Step 2:

[2033] Terminal: Sends the entered information to the server.

[2034] Input: Loan application data

[2035] Output: Data transfer to the server

[2036] The terminal transmits the user's input to the server.

[2037] Step 3:

[2038] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[2039] Input: Loan application data, user's credit score

[2040] Data calculation: Running loan screening algorithms

[2041] Output: Review results

[2042] The server conducts a loan screening based on the user's input information and credit score, and generates the screening results.

[2043] Step 4:

[2044] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[2045] Input: Screening results, user account information

[2046] Output: Funds transfer execution

[2047] If approved, the server transfers the funds to the account specified by the user via the bank API.

[2048] Step 5:

[2049] Server: Sends a notification to the user that the transfer is complete.

[2050] Input: Transfer execution result

[2051] Output: Send a notification message to the user

[2052] The server generates a notification message notifying the user that the transfer has been completed and sends it to the user.

[2053] Repayment Management Module

[2054] Step 1:

[2055] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[2056] Input: Loan Approval Information

[2057] Data processing: Setting repayment schedules

[2058] Output: Send reminder

[2059] After approving the loan, the server sets up a repayment schedule and sends reminders to the user on repayment due dates.

[2060] Step 2:

[2061] Terminal: The user makes the repayment and sends the information to the server.

[2062] Input: Repayment information

[2063] Output: Repayment data to be sent

[2064] The user makes the repayment and sends the information to the server via the terminal.

[2065] Step 3:

[2066] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[2067] Input: Repayment data

[2068] Data recording: recording repayment information in a database

[2069] Output: Send next payment reminder

[2070] The server records the received repayment information in a database and sends the user a reminder of the next repayment due date.

[2071] Advisory Module

[2072] Step 1:

[2073] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[2074] Input: User's financial data

[2075] Data analysis: Analysis of collected data

[2076] Output: Generate analysis results

[2077] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns.

[2078] Step 2:

[2079] Server: Generates money management and savings advice based on collected data.

[2080] Input: Analysis results

[2081] Data Generation: Advice Generation

[2082] Output: Advice data

[2083] The server generates money management and savings advice based on the analysis results.

[2084] Step 3:

[2085] Server: Notifies the user of the advice.

[2086] Input: Advice data

[2087] Output: Send a notification message to the user

[2088] The server notifies the user of the generated advice.

[2089] Step 4:

[2090] Terminal: The user receives and confirms the advice.

[2091] Input: Notification message from the server

[2092] Output: Display advice

[2093] The device analyzes the received notification and displays advice.

[2094] Emotion Engine Module

[2095] Step 1:

[2096] Device: The emotion engine analyzes the user's facial expressions, voice, text input, etc. to collect emotional data.

[2097] Input: User facial expressions, voice, and text input

[2098] Data collection: Collecting emotional data

[2099] Output: Collected emotion data

[2100] The emotion engine analyzes and collects emotional data from the user's facial expressions, voice, and text input.

[2101] Step 2:

[2102] Server: Analyzes the collected sentiment data and intersects the results with financial data to assess the user's overall state.

[2103] Input: Emotion data, financial data

[2104] Data analysis: Cross-analysis of data

[2105] Output: Overall evaluation result

[2106] The server cross-analyzes the collected emotional data with financial data to assess the user's overall state.

[2107] Step 3:

[2108] Server: Reflects the evaluation results in the calculation of the credit score and adjusts the advice content as necessary.

[2109] Input: Overall evaluation result

[2110] Data calculations: credit score adjustments, advice updates

[2111] Output: Updated credit score, advice

[2112] The server adjusts the credit score based on the overall evaluation result and updates the advice.

[2113] Step 4:

[2114] Server: Generates emotion-based advice and suggestions and notifies the user.

[2115] Input: Updated advice

[2116] Output: Send a notification message to the user

[2117] The server generates emotion-based advice and suggestions and notifies the user.

[2118] (Application example 2)

[2119] 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."

[2120] Residents in poor areas have limited access to traditional financial services, lacking the means to build their credit or obtain loans quickly and easily. It is also difficult for them to receive appropriate money management and saving advice based on their financial situation, making it difficult for them to escape poverty. Another problem is the inability to provide personalized financial support that takes into account the user's emotional state.

[2121] 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.

[2122] In this invention, the server includes: means for receiving user authentication information and creating a user account; means for collecting the user's financial data and calculating a credit score; means for accepting loan applications from users, screening the loan based on the credit score, and providing the loan; means for setting a loan repayment schedule and sending repayment reminders to the user; means for generating and providing money management and savings advice based on the user's financial situation; and means for collecting the user's emotional data, analyzing the emotional data in conjunction with the financial data, and adjusting the advice content. This allows residents of impoverished areas to build their credit, quickly and easily obtain loans, and aim for economic improvement by receiving appropriate money management and savings advice. Furthermore, personalized financial support that takes emotional data into account allows them to receive more personal support.

[2123] "User Credentials" means personal information provided by a User to create their Account, including, but not limited to, name, address, telephone number, and email address.

[2124] A "means for generating a user account" is a method or technology for creating a new account based on the user's authentication information and managing it on the system.

[2125] "Financial data" refers to information related to the user's financial situation, such as the user's income, expenses, past borrowing history, and repayment history.

[2126] A "credit score" is a numerical value that evaluates a user's creditworthiness, calculated using an algorithm based on collected financial data.

[2127] "Loan underwriting" is the process of analyzing credit scores and other information to determine whether a user's application for a loan will be approved.

[2128] A "repayment schedule" is a schedule of loan repayments, including repayment dates and repayment amounts.

[2129] A "payment reminder" is an electronic message or alert that notifies a user of a loan repayment due date.

[2130] "Money management and savings advice" is a suggestion for appropriate money management and spending control that is created based on the user's financial situation.

[2131] "Emotion data" is information that represents the user's emotional state, obtained by analyzing the user's facial expressions, voice, text input, and the like.

[2132] An "emotion engine" is a system or algorithm that collects and analyzes users' emotional data and uses that data to provide personalized services and advice.

[2133] The present invention relates to a mobile banking application system that is easily accessible to users, and aims to effectively provide small-scale financial services, especially to residents in poor areas.

[2134] System Configuration

[2135] The system consists of the following main modules:

[2136] User Authentication Module

[2137] Credit Scoring Module

[2138] Loan Service Module

[2139] Repayment Management Module

[2140] Advisory Module

[2141] Emotion Engine Module

[2142] Hardware and software used

[2143] Hardware

[2144] Smartphone: A client device used by a user

[2145] Server: a back-end system for data processing and storage

[2146] software

[2147] Mobile Application (iOS / Android): Front-end app for users to access financial services

[2148] Server-side backend (Node.js, Express): Responsible for processing each module

[2149] Database (MongoDB): Stores user and financial data

[2150] Emotion recognition engine (Microsoft Azure Cognitive Services): An engine that analyzes emotion data

[2151] Program processing explanation

[2152] User Authentication Module

[2153] An application installed on the device receives authentication information such as the user's name, address, phone number, and email address and sends it to a server. The server generates a temporary passcode and sends it to the user's email address or phone number. The user enters the received passcode into the app for authentication and an account is created.

[2154] Credit Scoring Module

[2155] The server collects financial data such as the user's income, expenses, borrowing history, and repayment history, and then runs an algorithm to calculate a credit score based on that data. The calculated credit score is then notified to the user and displayed on the app.

[2156] Loan Service Module

[2157] Users enter the desired loan amount and repayment period into a loan application form on the app and submit it to the server. The server then reviews the loan based on the submitted information and the user's credit score, and if approved, transfers the funds to the bank account specified by the user.

[2158] Repayment Management Module

[2159] After the loan is approved, the server schedules the repayments and sends the user reminders when the repayments are due. When the user makes a payment, the information is sent to the server, which updates the database and sends another reminder when the next payment is due.

[2160] Advisory Module

[2161] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns, and based on this data, generates money management and savings advice and notifies the user.

[2162] Emotion Engine Module

[2163] The emotion engine installed on the device collects emotional data by analyzing the user's facial expressions, voice, text input, etc. The server analyzes the collected emotional data and compares the results with financial data to evaluate the user's overall condition. The evaluation results are reflected in the calculation of the credit score, and advice content is adjusted as necessary. Advice and suggestions based on emotions are then notified to the user.

[2164] Specific examples

[2165] A user logs into a smartphone application and uses banking services. When the user applies for a small loan, it is reviewed based on their credit score and instantly approved. The user checks their monthly repayment schedule and receives reminders in the app. Furthermore, if the emotion engine detects that the user is stressed, it provides advice on saving money.

[2166] Prompt Sentence Examples

[2167] "You are a smartphone application developer. Design a mobile banking application for electronic payment services based on the following requirements: 1. User authentication, 2. Credit scoring, 3. Loan servicing, 4. Repayment management, 5. Advisory module, 6. Emotion engine module. For a specific scenario, please design it to ensure easy access for users in impoverished areas."

[2168] The flow of the specific processing in the application example 2 will be described with reference to FIG.

[2169] Step 1:

[2170] A user opens an app installed on a smartphone application and accesses the new registration screen. The user enters authentication information such as name, address, phone number, and email address. The entered information is sent from the application to the server. The server receives this information, generates a temporary passcode, and sends it to the user's email address or phone number. When the user enters the received temporary passcode into the app, the server verifies the passcode's validity, creates a user account, and activates it. The input data is the user's authentication information, and the output data is the account activation status.

[2171] Step 2:

[2172] The server begins collecting financial data from the authenticated user. The user enters their income, expenses, borrowing history, repayment history, etc. through the application. This data is sent from the application to the server. The server stores the received financial data in a database and runs an algorithm to calculate a credit score based on that data. The calculated credit score is again notified to the user and displayed on the app. The input data is the user's financial information, and the output data is the credit score.

[2173] Step 3:

[2174] The user enters the desired loan amount and repayment period into a loan application form on the application. This information is sent to the server. The server runs a loan screening algorithm based on the received loan application data and a pre-calculated credit score. If the screening is approved, the server transfers the funds to the specified bank account and notifies the user. The input data is the loan application information, and the output data is the loan screening result and the status of the fund transfer.

[2175] Step 4:

[2176] The server automatically sets up a repayment schedule for approved loans and sends reminders to the user on repayment due dates. The user makes repayments through the application and the information is sent to the server. The server records the repayment information in a database and sends another reminder to the user on the next repayment due date. The input data is the repayment information and the output data is the reminder sending status.

[2177] Step 5:

[2178] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns. Based on the analysis results, it generates money management and savings advice. The generated advice is notified to the user, who can review it on the application. The input data is the user's continuous financial pattern data, and the output data is the generated advice.

[2179] Step 6:

[2180] The device's emotion engine analyzes the user's facial expressions, voice, text input, etc. to collect emotion data. This data is sent to a server where it is analyzed in conjunction with financial data. The server evaluates the user's overall condition based on the analysis results, calculates a credit score, and adjusts the advice content. Finally, personalized advice and suggestions based on emotions are notified to the user. The input data is emotion data, and the output data is adjusted advice.

[2181] 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.

[2182] 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.

[2183] 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.

[2184] [Fourth embodiment]

[2185] FIG. 7 shows an example of the configuration of a data processing system 410 according to the fourth embodiment.

[2186] 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.

[2187] 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).

[2188] 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.

[2189] 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.

[2190] 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).

[2191] The communication I / F 44 is connected to a network 54. The communication I / Fs 44 and 26 are responsible for the exchange of various information between the processor 46 and the processor 28 via the network 54. The exchange of various information between the processor 46 and the processor 28 using the communication I / Fs 44 and 26 is carried out in a secure state.

[2192] 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.

[2193] 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.

[2194] 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.

[2195] 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.

[2196] 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.

[2197] 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."

[2198] The present invention relates to a system for realizing a mobile banking app that is easily accessible to users. The system aims to effectively provide small-scale financial services to people in impoverished areas. The system collects user authentication information to create an account, collects the user's financial data, and calculates a credit score. The system also accepts loan applications from users, approves the loan based on the user's credit score, sets a repayment schedule, and sends repayment reminders. The system also generates and provides money management and savings advice based on the user's financial situation.

[2199] 1. User authentication module

[2200] Program processing and concrete examples:

[2201] Device: The user installs the app on their mobile device and opens the sign-up screen.

[2202] On the device: The user enters information into the app, such as their name, address, phone number, and email address.

[2203] Terminal: Sends the entered authentication information to the server.

[2204] Server: Stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[2205] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[2206] Server: Verifies that the entered passcode is correct and activates the account.

[2207] Example: User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[2208] 2. Credit Scoring Module

[2209] Program processing and concrete examples:

[2210] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[2211] Server: Runs the algorithm that calculates the credit score based on the collected data.

[2212] Server: Notifies the user of the calculated credit score.

[2213] Terminal: Displays the credit score to the user.

[2214] Example: User B enters income and expenditure information on the app. The server calculates a credit score based on this information and notifies User B of the result.

[2215] 3. Loan Service Module

[2216] Program processing and concrete examples:

[2217] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[2218] Terminal: Sends the entered information to the server.

[2219] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[2220] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[2221] Server: Sends a notification to the user that the transfer is complete.

[2222] Example: User C applies for a loan of 5,000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5,000 yen to User C's bank account.

[2223] 4. Repayment Management Module

[2224] Program processing and concrete examples:

[2225] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[2226] Terminal: The user makes the repayment and sends the information to the server.

[2227] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[2228] Example: If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[2229] 5. Advisory Module

[2230] Program processing and concrete examples:

[2231] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[2232] Server: Generates money management and savings advice based on collected data.

[2233] Server: Notifies the user of the advice.

[2234] Terminal: The user receives and confirms the advice.

[2235] Example: If user E frequently takes out small loans, the server can recognize this pattern and provide him with advice on saving and managing his money.

[2236] Through this system, it is possible to provide support to people in poor areas to build credit and aim for economic advancement.

[2237] The processing flow will be explained below.

[2238] The present invention relates to a system for realizing a mobile banking app that is easily accessible to users. The system aims to effectively provide small-scale financial services to people in impoverished areas. The system collects user authentication information to create an account, collects the user's financial data, and calculates a credit score. The system also accepts loan applications from users, approves the loan based on the user's credit score, sets a repayment schedule, and sends repayment reminders. The system also generates and provides money management and savings advice based on the user's financial situation.

[2239] 1. User authentication module

[2240] Program processing:

[2241] Step 1:

[2242] Device: The user installs the app on their mobile device and opens the sign-up screen.

[2243] Step 2:

[2244] On the device: The user enters information into the app, such as their name, address, phone number, and email address.

[2245] Step 3:

[2246] Terminal: Sends the entered authentication information to the server.

[2247] Step 4:

[2248] Server: Stores the received information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[2249] Step 5:

[2250] On the device: The user enters the temporary passcode they received into the app to authenticate their account.

[2251] Step 6:

[2252] Server: Verifies that the entered passcode is correct and activates the account.

[2253] Examples:

[2254] User A installs the app, enters the required information, and sends it to the server. The server generates a temporary passcode and sends it to User A's email address. When User A enters the passcode, the account is activated.

[2255] 2. Credit Scoring Module

[2256] Program processing:

[2257] Step 1:

[2258] Server: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history.

[2259] Step 2:

[2260] Server: Runs the algorithm that calculates the credit score based on the collected data.

[2261] Step 3:

[2262] Server: Notifies the user of the calculated credit score.

[2263] Step 4:

[2264] Terminal: Displays the credit score to the user.

[2265] Examples:

[2266] User B enters income and expenditure information into the app. The server calculates a credit score based on this information and notifies User B of the result.

[2267] 3. Loan Service Module

[2268] Program processing:

[2269] Step 1:

[2270] Terminal: The user enters the desired loan amount and repayment period into a loan application form.

[2271] Step 2:

[2272] Terminal: Sends the entered information to the server.

[2273] Step 3:

[2274] Server: Based on the submitted information and the user's credit score, the loan application is approved.

[2275] Step 4:

[2276] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[2277] Step 5:

[2278] Server: Sends a notification to the user that the transfer is complete.

[2279] Examples:

[2280] User C applies for a loan of 5,000 yen. The server checks User C's credit score and application information, approves the loan, and transfers 5,000 yen to User C's bank account.

[2281] 4. Repayment Management Module

[2282] Program processing:

[2283] Step 1:

[2284] Server: After the loan is approved, it sets up the repayment schedule and sends the user reminders of repayment dates.

[2285] Step 2:

[2286] Terminal: The user makes the repayment and sends the information to the server.

[2287] Step 3:

[2288] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[2289] Examples:

[2290] If User D takes out a loan with a monthly repayment schedule of 1000 yen, the server will send a reminder at the beginning of each month when the next repayment is due. When User D makes a repayment, the information is sent to the server and the database is updated.

[2291] 5. Advisory Module

[2292] Program processing:

[2293] Step 1:

[2294] Server: Continuously collects and analyzes data such as users' credit scores, repayment history, and spending patterns.

[2295] Step 2:

[2296] Server: Generates money management and savings advice based on collected data.

[2297] Step 3:

[2298] Server: Notifies the user of the advice.

[2299] Step 4:

[2300] Terminal: The user receives and confirms the advice.

[2301] Examples:

[2302] If user E frequently takes out small loans, the server will recognize this pattern and provide user E with advice on saving and managing their money.

[2303] Through this system, it is possible to provide support to people in poor areas to build credit and aim for economic advancement.

[2304] Example 1

[2305] 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."

[2306] Providing effective financial services to people in poor regions is a major challenge. There is a need for methods to provide reliable financial services, particularly in environments where access to banks and financial institutions is limited. Furthermore, people in these regions lack credit information, making it difficult to use traditional credit screening methods. Furthermore, a lack of advice on loan repayment management and money management makes it difficult to manage finances sustainably.

[2307] 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.

[2308] In this invention, the server includes means for installing an app on a user's mobile device and opening a new registration screen, means for the user to input authentication information such as name, address, telephone number, and email address and send it to the server, means for the server to store the received authentication information in a database, generate a temporary passcode, and send it to the user's email address and telephone number, means for the user to input the received temporary passcode into the app and the server to authenticate and activate the account, means for collecting the user's financial data and calculating a credit score, means for accepting a loan application from the user, screening the loan based on the credit score, and providing the loan, means for setting a loan repayment schedule and sending repayment reminders to the user, and means for generating and providing money management and savings advice based on the user's financial situation. This makes it possible to provide financial services easily and effectively to people in impoverished areas and support credit information management and fund management.

[2309] A "user's mobile device" is a portable information terminal such as a smartphone or tablet used by a user.

[2310] "App" means a software application that runs on a mobile device.

[2311] The "new registration screen" is a user interface screen for entering necessary information when the user uses the app for the first time.

[2312] "Authentication information" refers to information such as name, address, telephone number, and email address required to identify a user.

[2313] A "server" is a computer system for processing, storing, and communicating with other devices.

[2314] A "database" is a system for efficiently storing, managing, and searching large amounts of data.

[2315] A "temporary passcode" is a one-time valid authentication code used to strengthen user authentication.

[2316] "Financial data" refers to financial information such as a user's income, expenses, past borrowing history, and repayment history.

[2317] A "credit score" is a score used to quantitatively evaluate a user's creditworthiness, and is calculated based on financial data.

[2318] A "loan application" is a formal request made by a user to be loaned a specific amount of money.

[2319] A "payment reminder" is an alert or message that reminds a user to remember when a loan payment is due.

[2320] "Financial management" refers to effectively managing a user's income and expenses and planning a budget.

[2321] "Savings advice" refers to providing users with suggestions on how to save money and how to manage their funds efficiently.

[2322] The present invention is a system for effectively providing small-scale financial services to people in poor areas. This system provides a mobile banking app that users can easily access using their mobile devices and provides a variety of financial assistance.

[2323] First, a user installs the app on their mobile device and opens the new registration screen. This app can be installed on portable devices such as smartphones and tablets. Next, the user enters authentication information such as name, address, phone number, and email address into the app. This information is temporarily stored by the device and sent to the server using a secure protocol (e.g., HTTPS).

[2324] The server stores the received authentication information in a database and generates a temporary passcode. This temporary passcode is sent to the user's email address or phone number. The user re-enters the received temporary passcode in the app, and the server verifies it. If the correct passcode is entered, the server activates the user's account.

[2325] After a user creates an account, the app collects the user's financial data, including the user's income, expenses, past borrowing history, and repayment history. The server calculates a credit score based on this data and notifies the user of the result. This allows the user to check their credit score in real time.

[2326] When a user applies for a loan, they enter the desired loan amount and repayment period into the app's loan application form. This information is sent to the server, which then reviews the loan based on the user's credit score and the application details. If the loan is approved, the server transfers the funds to the user's specified bank account and notifies the user that the transfer has been completed.

[2327] Regarding loan repayment management, after the loan is approved, the server sets up a repayment schedule and sends reminders to the user on the repayment due date. The user makes the repayment on the due date and sends the information from the app to the server. The server records the repayment history in a database and sends another reminder to the user on the next repayment due date.

[2328] The server then analyzes data such as the user's credit score, repayment history, and spending patterns to generate money management and savings advice, which is then sent to the user, who can view it on the app.

[2329] Through this system, it is possible to provide support to people in poor areas to build credit and aim for economic advancement.

[2330] Example prompts for generative AI models

[2331] "Please provide a detailed description of the steps a user takes to install and register a mobile banking app. In particular, please explain what the server and device processes are, including the specific actions taken at each step."

[2332] The flow of the identification process in the first embodiment will be described with reference to FIG.

[2333] Step 1:

[2334] User: Installs the app on a mobile device and opens the new registration screen.

[2335] Specific actions: Open the app store, search for the mobile banking app, and tap the install button. After installation is complete, open the app and the new registration screen will be displayed.

[2336] Input: Mobile device, app

[2337] Output: Installed apps, new registration screen

[2338] Step 2:

[2339] User: Enters authentication information into the app, such as name, address, phone number, and email address.

[2340] Specific actions: Enter the required information in the form on the new registration screen and tap the [Submit] button.

[2341] Input: Name, address, phone number, email address

[2342] Output: The entered credentials

[2343] Step 3:

[2344] Device: Sends authentication information to the server.

[2345] Specific operation: When the submit button is tapped, the entered authentication information is temporarily stored, a data packet is generated, and it is sent to the server using the HTTPS protocol.

[2346] Input: The credentials entered by the user

[2347] Output: Authentication information sent to the server

[2348] Step 4:

[2349] Server: Stores the received authentication information in a database, generates a temporary passcode, and sends it to the user's email address or phone number.

[2350] What it does: It queries a database to store the credentials, runs an algorithm to generate a temporary passcode, and then sends the generated passcode to the user via email or SMS.

[2351] Input: Submitted credentials

[2352] Output: Stored information, temporary passcode, email / SMS sent to user

[2353] Step 5:

[2354] User: Enter the temporary passcode they received into the app.

[2355] Specific actions: Check the temporary passcode received via email or SMS and enter it into the app's authentication screen.

[2356] Enter: Temporary passcode

[2357] Output: Passcode entered on the authentication screen

[2358] Step 6:

[2359] Device: Sends the entered passcode to the server.

[2360] What it does: Temporarily stores the passcode, generates a data packet, and sends it to the server using the HTTPS protocol.

[2361] Input: The passcode entered by the user

[2362] Output: Passcode sent to the server

[2363] Step 7:

[2364] Server: Verifies passcode accuracy and activates account.

[2365] Specific behavior: Retrieves the stored passcode from the database and compares it with the passcode entered by the user. If it is correct, updates the database to activate the account.

[2366] Enter: The passcode sent to you

[2367] Output: Account activated, user notified

[2368] Step 8:

[2369] Server: Collects and stores users' financial data and calculates their credit score.

[2370] What it does: Collects financial data such as the user's income, expenses, past borrowing history, and repayment history, and stores it in a database. Runs an algorithm to calculate a credit score and generates the result.

[2371] Input: User's financial data

[2372] Output: The calculated credit score

[2373] Step 9:

[2374] Server: Notifies the user of the calculated credit score.

[2375] Specific operations: Generate and send a data packet that notifies the user's mobile device of the credit score.

[2376] Input: Calculated credit score

[2377] Output: Notify user, display credit score

[2378] Step 10:

[2379] User: Enters the desired loan amount and repayment period into the loan application form.

[2380] Specific actions: Open the loan application screen in the app, enter the required information in the form, and tap the "Apply" button.

[2381] Input: Loan amount, repayment period

[2382] Output: The entered loan application information

[2383] Step 11:

[2384] Terminal: Sends the entered loan application information to the server.

[2385] Specific operation: Temporarily store the application information, generate a data packet, and send it to the server using the HTTPS protocol.

[2386] Input: Loan application information

[2387] Output: Loan application information sent to the server

[2388] Step 12:

[2389] Server: Performs loan screening based on the submitted information and the user's credit score.

[2390] What it does: Retrieves the user's credit score from a database, matches it with the application information, runs a loan screening algorithm, and approves or denies the loan based on the results.

[2391] Input: Loan application information, credit score

[2392] Output: Loan screening results

[2393] Step 13:

[2394] Server: If the loan is approved, transfer the funds to the bank account specified by the user.

[2395] Specific behavior: After the loan is approved, the bank API is called to transfer funds to the bank account specified by the user. Once the transfer is complete, a notification is generated.

[2396] Input: Loan approval information, user's bank information

[2397] Output: Transfer completion notification

[2398] Step 14:

[2399] Server: Sends a notification to the user that the transfer is complete.

[2400] Specific operation: A data packet containing information on the completion of the transfer is generated and sent to the user's mobile device.

[2401] Input: Transfer completion information

[2402] Output: Sending a transfer completion notification

[2403] Step 15:

[2404] Server: Sets the loan repayment schedule and sends repayment reminders to the user.

[2405] What it does: Runs an algorithm to set a repayment schedule, and based on the results, generates and sends reminders to the user.

[2406] Input: Loan approval information, repayment schedule

[2407] Output: Repayment reminder

[2408] Step 16:

[2409] User: Makes a repayment and sends the information from the app to the server.

[2410] Specific operation: The repayment procedure is carried out on the app and the results are sent to the server.

[2411] Input: Repayment information

[2412] Output: Send repayment information to the server

[2413] Step 17:

[2414] Server: Records the repayment information in the database and sends the user another reminder for the next repayment due date.

[2415] Specific operations: Record repayment information in the database, calculate the next repayment due date, generate reminders and send them to the user.

[2416] Input: Repayment information

[2417] Output: Recorded repayment information, next repayment reminder

[2418] Step 18:

[2419] Server: Collects data such as the user's credit score, repayment history, and spending patterns, and generates money management and savings advice.

[2420] Specific behavior: Collects necessary data from the database, runs algorithms to generate money management and savings advice, and notifies the user of the results.

[2421] Inputs: Credit score, repayment history, spending patterns

[2422] Output: Money management and saving advice

[2423] Step 19:

[2424] Server: Notifies the user of the advice.

[2425] Specific operation: A data packet is generated and sent to the user's mobile device to notify the generated advice.

[2426] Input: Money management and saving advice

[2427] Output: Advice notice

[2428] (Application example 1)

[2429] 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."

[2430] Conventional mobile banking systems focus on managing users' financial data and calculating credit scores, but they lack sufficient security measures, particularly when it comes to protecting financial data when using public networks. They also lack mechanisms to provide appropriate alerts and reminders when users are facing risky environments. Given this background, a system that can provide safe and reliable financial services is needed.

[2431] 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.

[2432] In this invention, the server includes means for receiving user authentication information and creating a user account, means for collecting user financial data and calculating a credit score, means for accepting a loan application from a user, screening the loan based on the credit score, and providing the loan, means for setting a loan repayment schedule and sending repayment reminders to the user, means for generating and providing money management and savings advice to the user based on the user's financial situation, means for detecting security risks and sending alerts, means for encrypting and protecting financial transactions, and means for sending reminders to the user when a security risk is detected. This strengthens the protection of financial data and enables the provision of safe and reliable financial services.

[2433] "User authentication" means that a user provides information to verify their identity and then creates an account based on that information.

[2434] "Financial Data" refers to information related to a user's finances, such as income, expenses, borrowing history, and repayment history.

[2435] A "credit score" is a numerical representation of a user's creditworthiness calculated based on financial data.

[2436] "Loan screening" is the process of determining whether or not a loan will be approved based on the user's credit score.

[2437] "Repayment Reminder" means a notification to a User to make Loan repayments on time.

[2438] "Fund management" means analyzing the user's financial situation and providing effective methods for managing funds.

[2439] "Money Savings Advice" means providing specific suggestions for users to save money.

[2440] "Security Risk" refers to any potential threat or danger to a User's financial data.

[2441] "Alert" means immediately notifying the user that a security risk exists.

[2442] "Financial transaction encryption" refers to the encryption of data for financial transactions conducted by users to ensure its security.

[2443] The following describes in detail the embodiments of the present invention. The present invention relates to a system for realizing a mobile banking app that is easily accessible to users, and aims to effectively provide small-scale financial services, particularly to people in poor areas. However, the present invention is not limited to these examples and can be applied to other situations.

[2444] 1. User authentication module

[2445] When a user installs the app on their mobile device and opens the new registration screen, the server collects authentication information such as name, address, phone number, and email address. This information is sent to the server and stored in a database. A temporary passcode is then generated and sent to the user's email address or phone number. The user enters the received temporary passcode into the app, and after the server verifies the passcode's validity, the user's account is activated.

[2446] Software used: Web frameworks such as Flask and Django, databases such as PostgreSQL

[2447] 2. Credit Scoring Module

[2448] The server collects financial data such as the user's income, expenses, and past borrowing and repayment history, and calculates a credit score based on this data. The calculated credit score is notified to the user, who can check the credit score on the app.

[2449] Software used: Python, Pandas library, etc.

[2450] 3. Loan Service Module

[2451] When a user enters the desired loan amount and repayment period into a loan application form, that information is sent to the server. The server reviews the loan based on the submitted information and the user's credit score, and if approved, transfers the funds to the bank account specified by the user. A notification of transfer completion is sent to the user.

[2452] Software used: Web frameworks such as Flask and Django, databases such as PostgreSQL

[2453] 4. Repayment Management Module

[2454] Once the loan is approved, the user server will set up a repayment schedule and send reminders to the user when the repayment is due. When the user makes a repayment, the information is sent to the server, which records it in the database. The server will also send reminders for the next repayment date.

[2455] Software used: Scheduling tools such as Celery

[2456] 5. Advisory Module

[2457] The server continuously collects and analyzes data such as the user's credit score, repayment history, and spending patterns, and based on this data, generates and provides money management and savings advice to the user.

[2458] Software used: Machine learning libraries such as Scikit-learn

[2459] 6. Security Risk Detection Module

[2460] The server runs the app in the background, constantly monitoring the user's network environment and detecting security risks in real time (e.g., public Wi-Fi, phishing sites, etc.). When a risk is detected, it is recorded and handed over to the next module.

[2461] Software used: Network sniffing tools such as Scapy or Wireshark

[2462] 7. Financial Data Protection Module

[2463] The server automatically restricts financial transactions if a security risk is detected, for example, financial data is encrypted and users are given the option to discontinue transactions in this environment.

[2464] Software used: AES encryption library, etc.

[2465] 8. Security Reminder Module

[2466] The server sends instant notifications when a user engages in an insecure activity, for example, sending a reminder ...

Claims

1. means for receiving user authentication information and creating a user account; means for collecting financial data of a user and calculating a credit score; A means for accepting loan applications from users, examining the loans based on the credit scores, and providing the loans; means for scheduling loan repayments and sending repayment reminders to the user; means for generating and providing money management and savings advice to the user based on the user's financial situation; A system including:

2. 10. The system of claim 1, further comprising means for receiving the user's name, address, telephone number, and email address as authentication information.

3. 2. The system of claim 1, further comprising means for collecting financial data including the user's income, expenses, past borrowing history, and repayment history.

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