system

Abstract

We provide the system. [Solution] Means for collecting basic user information and transaction history, A means of analyzing collected information to evaluate users' risk tolerance and investment tendencies, A means of acquiring economic news and market data and analyzing them using a generating AI, A means of generating investment insights based on analysis results and providing customized investment strategies for each user, A means of gamifying investment insights and creating quests and challenges, A system that tracks users' quest completion progress and includes means of providing incentives such as points and badges.

Description

Technical Field

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

Background Art

[0002] Patent Document 1 discloses a method for controlling a persona chatbot, which is performed by at least one processor, and includes steps of receiving a user utterance, adding the user utterance to a prompt including an instruction sentence related to an explanation of a character of the chatbot, 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

Summary of the Invention

Problems to be Solved by the Invention

[0004] For novice investors and light users, there is a problem that it is difficult to find an appropriate investment strategy because they lack investment knowledge and have low interest in economic news and market trends. Conventional investment education and advisory services require specialized knowledge and it is difficult to enhance user engagement. Therefore, there is a demand for the development of a system that can make investment feel closer to users and enable them to actively participate in investment activities.

Means for Solving the Problems

[0005] This invention provides means for collecting basic user information and transaction history, and means for analyzing the collected information to evaluate the user's risk tolerance and investment tendencies. Furthermore, it includes means for acquiring economic news and market data and analyzing them using a generative AI. It also includes means for generating investment insights based on the analysis results and providing customized investment strategies for each user. In addition, it includes means for gamifying investment insights, creating quests and challenges, tracking the user's quest completion status, and providing incentives such as points and badges. This makes it possible to acquire investment knowledge while increasing user engagement and motivation. Furthermore, by including means for registering and authenticating premium users and providing advanced investment insights and special quests, it is possible to meet the diverse needs of users.

[0006] "User basic information" refers to personal data collected to indicate the user's characteristics, such as age, occupation, and financial status.

[0007] "Transaction history" refers to a record of financial transactions a user has made in the past, and it serves as basic data for analyzing investment trends and performance.

[0008] "Means of collection" refers to the technical and methodological mechanisms for obtaining necessary data, such as basic user information and transaction history.

[0009] "Means of analysis" refer to algorithms and analytical tools used to process collected user data and evaluate factors such as risk tolerance and investment tendencies.

[0010] "Risk tolerance" is an indicator that shows the range of risk a user can tolerate, and it is an important element in formulating individual investment strategies.

[0011] "Investment tendencies" refer to investment preferences and behavioral patterns estimated based on a user's past trading history and basic information.

[0012] "Economic news" refers to the latest information on economic conditions and events that may affect financial markets.

[0013] "Market data" refers to numerical data related to financial markets, such as stock prices, exchange rates, and interest rates.

[0014] "Generative AI" is an artificial intelligence technology used to automatically analyze collected economic news and market data and generate insights.

[0015] "Investment insights" are specific suggestions and strategies generated based on information obtained from analysis, designed to recommend certain investment actions to users.

[0016] A "customized investment strategy" is an investment plan tailored to each individual user's risk tolerance and investment tendencies.

[0017] "Gamification" is the process of designing learning and tasks to be enjoyable like a game, and is a method to increase user engagement.

[0018] A "quest" is a specific task or goal that a user must complete, and the system rewards them for achieving it.

[0019] A "challenge" is a high-difficulty task or competition that users undertake, designed to improve their investment skills.

[0020] "Tracking methods" refer to technical and methodological mechanisms for monitoring and recording user behavior and progress.

[0021] "Incentives such as points and badges" are rewards that users can earn by completing quests and challenges, and they serve to increase motivation.

[0022] A "premium user" is a user who pays an additional fee for regular services and enjoys more advanced functions and privileges.

[0023] "Means for registration and authentication" refers to the technical and methodological mechanisms for a user to register for premium services and confirm their legitimacy.

[0024] "Advanced investment insights" refer to more detailed and specialized analysis results and proposals regarding investments, which provide deeper insights than ordinary insights.

[0025] "Special quests" are quests that are specially designed for premium users and require high difficulty or advanced skills.

Brief Description of Drawings

[0026] [Figure 1] It is a conceptual diagram showing an example of the configuration of a data processing system according to the first embodiment. [Figure 2] It is a conceptual diagram showing an example of the main functions of a data processing device and a smart device according to the first embodiment. [Figure 3] It is a conceptual diagram showing an example of the configuration of a data processing system according to the second embodiment. [Figure 4] It is a conceptual diagram showing an example of the main functions of a data processing device and smart glasses according to the second embodiment. [Figure 5] It is a conceptual diagram showing an example of the configuration of a data processing system according to the third embodiment. [Figure 6] It is a conceptual diagram showing an example of the main functions of a data processing device and a headset-type terminal according to the third embodiment. [Figure 7] It is a conceptual diagram showing an example of the configuration of a data processing system according to the fourth embodiment. [Figure 8] It is a conceptual diagram showing an example of the main functions of a data processing device and a robot according to the fourth embodiment. [Figure 9] It shows an emotion map to which multiple emotions are mapped. [Figure 10] This shows an emotion map where multiple emotions are mapped. [Figure 11] This is a sequence diagram showing the processing flow of the data processing system in Example 1. [Figure 12] This is a sequence diagram showing the processing flow of the data processing system in Application Example 1. [Figure 13] This is a sequence diagram showing the processing flow of the data processing system in Example 2, which incorporates an emotion engine. [Figure 14] This is a sequence diagram showing the processing flow of the data processing system in Application Example 2, which combines an emotion engine. [Modes for carrying out the invention]

[0027] Hereinafter, an example of an embodiment of the system relating to the technology of this disclosure will be described with reference to the attached drawings.

[0028] First, let's explain the terminology used in the following explanation.

[0029] In the following embodiments, the signed processor (hereinafter simply referred to as "processor") may be a single arithmetic unit or a combination of multiple arithmetic units. Furthermore, the processor may be a single type of arithmetic unit or a combination of multiple types of arithmetic units. Examples of arithmetic units include CPU (Central Processing Unit), GPU (Graphics Processing Unit), GPGPU (General-Purpose computing on Graphics Processing Units), and APU (Accelerated Processing Unit).

[0030] In the following embodiments, signed RAM (Random Access Memory) is a memory that temporarily stores information and is used as work memory by the processor.

[0031] In the following embodiments, the signed storage is one or more non-volatile storage devices that store various programs and various parameters. Examples of non-volatile storage devices include flash memory (SSD (Solid State Drive)), magnetic disks (e.g., hard disks), or magnetic tapes.

[0032] In the following embodiments, the signed communication interface (I / F) is an interface that includes a communication processor and an antenna, etc. The communication interface manages communication between multiple computers. Examples of communication standards applicable to the communication interface include wireless communication standards such as 5G (5th Generation Mobile Communication System), Wi-Fi (registered trademark), or Bluetooth (registered trademark).

[0033] In the following embodiments, "A and / or B" is synonymous with "at least one of A and B." That is, "A and / or B" means that it may be A alone, or B alone, or a combination of A and B. Furthermore, in this specification, the same concept as "A and / or B" applies when expressing three or more things linked by "and / or."

[0034] [First Embodiment]

[0035] Figure 1 shows an example of the configuration of the data processing system 10 according to the first embodiment.

[0036] As shown in Figure 1, the 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.

[0037] The data processing device 12 comprises a computer 22, a database 24, and a communication interface 26. The computer 22 is an example of a "computer" related to the technology of this disclosure. The computer 22 comprises a processor 28, RAM 30, and storage 32. The processor 28, RAM 30, and storage 32 are connected to a bus 34. The database 24 and the communication interface 26 are also connected to the bus 34. The communication interface 26 is connected to a network 54. An example of the network 54 is a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[0038] The smart device 14 comprises a computer 36, a reception device 38, an output device 40, a camera 42, and a communication interface 44. The computer 36 comprises a processor 46, RAM 48, and storage 50. The processor 46, RAM 48, and storage 50 are connected to a bus 52. The reception device 38, output device 40, and camera 42 are also connected to the bus 52.

[0039] The reception device 38 is equipped with a touch panel 38A and a microphone 38B, etc., and receives user input. The touch panel 38A receives user input by detecting contact with an object (e.g., a pen or finger). The microphone 38B receives user input by detecting the user's voice. The control unit 46A transmits data indicating the user input received by the touch panel 38A and 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.

[0040] 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 perceptible to the user 20 (e.g., audio and / or text). The display 40A displays visible information such as text and images according to instructions from the processor 46. The speaker 40B outputs audio according to instructions from the processor 46. The camera 42 is a small digital camera equipped with an optical system such as a lens, aperture, and shutter, and an image sensor such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor.

[0041] Communication interface 44 is connected to network 54. Communication interfaces 44 and 26 are responsible for the exchange of various types of information between processor 46 and processor 28 via network 54.

[0042] Figure 2 shows an example of the main functions of the data processing device 12 and the smart device 14.

[0043] As shown in Figure 2, in the data processing device 12, a specific processing 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" related to the technology of this 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 according to the specific processing program 56 executed on the RAM 30.

[0044] The storage 32 stores the data generation model 58 and the emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[0045] In the smart device 14, the processor 46 performs the reception output processing. The storage 50 stores the reception output program 60. The reception output program 60 is used in conjunction with a 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 processing is realized by the processor 46 operating as a control unit 46A according to the reception output program 60 executed on the RAM 48.

[0046] Next, the specific processing performed by the specific processing unit 290 of the data processing device 12 will be described. In the following description, the data processing device 12 will be referred to as the "server" and the smart device 14 as the "terminal".

[0047] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn about investing. The system collects and analyzes users' basic information and trading history, analyzes economic news and market data to generate customized investment strategies for each user, and presents these strategies in a gamified format. Furthermore, it offers advanced investment insights and special quests for premium users.

[0048] Program processing

[0049] Server Role

[0050] Collection and analysis of user data

[0051] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. This data is then analyzed to evaluate the user's risk tolerance and investment tendencies.

[0052] Obtaining economic news and market data

[0053] The server regularly retrieves the latest economic news and market data from various news APIs and financial data providers. This data is then analyzed by a generating AI to extract factors that influence users.

[0054] Generating Investment Insights

[0055] The AI ​​generates personalized investment insights for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[0056] Integration of game elements

[0057] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. Quests are equipped with incentives such as points, badges, and level-ups.

[0058] Managing premium services

[0059] The server manages users' premium service registrations and payment information, and generates advanced investment insights and special quests for premium users.

[0060] Terminal role

[0061] Providing a user interface

[0062] The device (smartphone or PC) provides the app or website that allows the user to access the system. A form for entering basic information is displayed upon first access.

[0063] Display and interaction of game functions

[0064] The device displays quests and challenges received from the server to the user. It also includes a function to update and display the user's progress, earned points, and badges in real time.

[0065] User roles

[0066] Information entry and update

[0067] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[0068] Learning and participation in games

[0069] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[0070] Use of premium services

[0071] Users subscribe to the premium service and pay to access advanced investment insights and special quests.

[0072] Specific example

[0073] Example 1: Risk management through quests

[0074] 1. Server: Collects the latest economic news and analyzes the likelihood of interest rate increases.

[0075] 2. Generative AI: Evaluates interest rate risk and identifies vulnerable users.

[0076] 3. Server: Create a quest titled "Reduce risk before the next interest rate announcement" and set a recommended action (e.g., buy bonds).

[0077] 4. Device: Sends quest notifications to the user and displays details.

[0078] 5. User: Complete quests and perform actions.

[0079] 6. Server: Tracks user progress and awards points and badges.

[0080] 7. Device: Displays earned points and badges to the user.

[0081] Example 2: Premium-only quests

[0082] 1. User: Sign up for the premium service and complete the payment.

[0083] 2. Server: Analyzes and provides advanced investment insights for premium users (e.g., trends of major institutional investors).

[0084] 3. Device: Premium Insights will be displayed with a special UI.

[0085] 4. User: Implement investment strategies based on the insights provided.

[0086] As described above, this system collects and analyzes users' basic information and transaction history, and generates customized investment strategies for each user based on the latest economic news and market data. By providing these investment strategies in a gamified format, it can increase engagement among novice and casual investors. Furthermore, by offering advanced insights and special quests through premium services, it can meet the diverse needs of users.

[0087] The following describes the processing flow.

[0088] Step 1:

[0089] User Registration

[0090] User: Sign up for the app or website upon first access and enter basic information (age, occupation, financial status, etc.).

[0091] Terminal: Receives the entered information and sends it to the server.

[0092] Step 2:

[0093] Data storage and initial analysis

[0094] Server: Stores basic user information in the database.

[0095] Server: Analyzes stored data to assess the user's initial risk tolerance and investment tendencies.

[0096] Step 3:

[0097] Collection of news and market data

[0098] Server: Regularly retrieves the latest economic news and market data from various news APIs and financial data provision services.

[0099] Step 4:

[0100] News Analysis

[0101] Generative AI: Analyzes collected news and market data as text to extract information likely to influence investments (e.g., interest rate fluctuations, corporate earnings).

[0102] Server: Generates multiple investment scenarios based on the extracted information.

[0103] Step 5:

[0104] Generating Individual Investment Insights

[0105] Server: Matches user-specific data (basic information, past trading history, risk tolerance) to generate individual investment insights.

[0106] Generative AI: Based on user data, it suggests recommended investment strategies and risk management measures.

[0107] Step 6:

[0108] Creating game elements

[0109] Server: Based on the generated investment insights, design quests and challenges (e.g., "Adjust your portfolio before the next interest rate hike").

[0110] Server: Quests will have incentives such as points, badges, and level-ups.

[0111] Step 7:

[0112] Quest notifications and displays

[0113] Terminal: Sends a notification to the user's screen to display a new quest.

[0114] Terminal: Displays quests and their details in a format that is easy for the user to understand.

[0115] Step 8:

[0116] User quest completion

[0117] User: Follow the provided quest and perform specific investment actions (e.g., buy or sell a specific stock).

[0118] Terminal: Records user actions and sends them to the server.

[0119] Step 9:

[0120] Progress tracking and feedback

[0121] Server: Updates the user's progress based on the received data.

[0122] Device: Displays progress, earned points, and badges to the user in real time.

[0123] Step 10:

[0124] Premium service registration and management

[0125] User: Register for the premium service and enter your payment information.

[0126] Server: Stores registration information and payment data, and authenticates premium users.

[0127] Step 11:

[0128] Premium content provision

[0129] Server: Generates advanced investment insights and special quests for premium users.

[0130] Device: Display premium content through a special interface, making it accessible to users.

[0131] (Example 1)

[0132] Next, we will describe Example 1. In the following description, the data processing device 12 will be referred to as the "server," and the smart device 14 will be referred to as the "terminal."

[0133] Traditional investment learning systems have made it difficult for novice and casual investors to efficiently acquire investment knowledge and increase their engagement. Furthermore, they lacked educational methods that included customized investment strategies and incentives for each user, rather than simply providing information. Additionally, the limited availability of advanced insights and special quests for premium users made deeper learning difficult.

[0134] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 1 is realized by the following means.

[0135] This invention includes a server that includes means for collecting basic user information and transaction history, means for analyzing the collected information and evaluating the user's risk tolerance and investment tendencies, means for acquiring economic news and market data and analyzing them using a generating AI, means for generating investment insights based on the analysis results and providing customized investment strategies for each user, means for gamifying investment insights and creating quests and challenges, means for tracking the user's quest completion status and providing incentives such as points and badges, means for generating advanced investment insights and special quests for premium users, and means for providing a user interface that displays information on quests, progress, points earned, and badges in real time on the terminal. This makes it possible for novice and casual investors to deepen their investment knowledge efficiently and enjoyably through customized investment learning and a gamified experience for each user.

[0136] "User basic information" refers to information about the user's personal attributes, such as age, occupation, and financial status.

[0137] "Transaction history" refers to a record of investments and transactions that a user has made in the past.

[0138] "Generative AI" refers to artificial intelligence that uses machine learning algorithms to analyze data and generate investment insights.

[0139] "Economic news" refers to news that provides the latest information on financial markets, economic trends, economic policies, and other related topics.

[0140] "Market data" refers to various types of data related to financial markets, such as stock prices, bond prices, and exchange rates.

[0141] "Investment Insights" refers to investment insights and advice provided to users based on the results of analysis by generated AI.

[0142] A "customized investment strategy" refers to an investment approach that is individually tailored based on each user's risk tolerance and investment tendencies.

[0143] "Gamification" is the process of incorporating game elements into investment insights or quests to engage users and promote learning.

[0144] A "quest" is a specific task or challenge that users undertake, designed as part of their investment learning experience.

[0145] A "challenge" is an initiative or task that the user must accomplish, with the aim of acquiring investment knowledge.

[0146] "Points" are rewards that users earn by completing quests.

[0147] A "badge" is a title or emblem that a user can earn by completing specific quests or challenges.

[0148] An "incentive" is a reward or reward that motivates users to complete quests or challenges.

[0149] A "premium user" is a user who subscribes to a paid service and can use additional benefits and services.

[0150] "Advanced investment insights" refer to deeper analysis and more detailed investment information provided to premium users.

[0151] "Special quests" are challenges designed for premium users, containing more advanced content than regular quests.

[0152] A "user interface" refers to the screens and operating methods that a user uses when interacting with a system.

[0153] "Real-time display" means that data and information are updated instantly and displayed to the user immediately.

[0154] Modes for carrying out the invention

[0155] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn about investing. The system collects and analyzes user basic information and trading history, and analyzes economic news and market data to generate customized investment strategies for each user. In addition, the generated investment strategies are presented as gamified elements to increase user motivation. Furthermore, advanced investment insights and special quests are offered to premium users.

[0156] System Configuration

[0157] 1. Server Role

[0158] Collection and analysis of user data

[0159] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. A dedicated module then operates to analyze this data and evaluate the user's risk tolerance and investment tendencies.

[0160] Obtaining economic news and market data

[0161] The server retrieves the latest economic news and market data from economic news APIs such as NewsAPI and Bloomberg, as well as from financial data providers.

[0162] Generating Investment Insights

[0163] Using a generative AI model, customized investment insights are generated for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[0164] Integration of game elements

[0165] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. Quests are equipped with incentives such as points, badges, and level-ups.

[0166] Managing premium services

[0167] The server features modules for generating advanced investment insights and special quests for premium users.

[0168] 2. The role of the terminal

[0169] Providing a user interface

[0170] The device (smartphone or PC) provides the app or website that allows the user to access the system. A form for entering basic information is displayed upon first access.

[0171] Display and interaction of game functions

[0172] The device displays quests and challenges received from the server to the user. This includes features that update and display the user's progress, earned points, and badges in real time.

[0173] 3. User Roles

[0174] Information entry and update

[0175] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[0176] Learning and participation in games

[0177] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[0178] Use of premium services

[0179] Users subscribe to the premium service and pay to access advanced investment insights and special quests.

[0180] Specific example

[0181] Example 1: Risk management through quests

[0182] 1. Server: Collects the latest economic news and analyzes the likelihood of interest rate increases.

[0183] 2. Generative AI: Evaluates interest rate risk and identifies vulnerable users.

[0184] 3. Server: Create a quest titled "Reduce risk before the next interest rate announcement" and set a recommended action (e.g., buy bonds).

[0185] 4. Device: Sends quest notifications to the user and displays details.

[0186] 5. User: Complete quests and perform actions.

[0187] 6. Server: Tracks user progress and awards points and badges.

[0188] 7. Device: Displays earned points and badges to the user.

[0189] Example 2: Premium-only quests

[0190] 1. User: Sign up for the premium service and complete the payment.

[0191] 2. Server: Analyzes and provides advanced investment insights for premium users (e.g., trends of major institutional investors).

[0192] 3. Device: Premium Insights will be displayed with a special UI.

[0193] 4. User: Implement investment strategies based on the insights provided.

[0194] Example of a prompt

[0195] 1. Collection of user data:

[0196] "Receive basic user information and past transaction history, and store it in a database. Analyze the user's risk tolerance and investment tendencies."

[0197] 2. Obtaining economic news:

[0198] "Retrieve the latest economic news from NewsAPI and Bloomberg, and analyze it using a generating AI. Extract the factors that influence users."

[0199] 3. Quest generation:

[0200] "Create a quest on the server titled 'Reduce Risk Before the Next Interest Rate Announcement,' and set bond purchases as the recommended action."

[0201] As described above, this system collects and analyzes users' basic information and transaction history, and generates and provides customized investment strategies and quests based on the latest economic news and market data. This allows novice investors and casual users to deepen their investment knowledge efficiently while having fun.

[0202] The flow of the specific processing in Example 1 will be explained using Figure 11.

[0203] Step 1:

[0204] User data collection

[0205] 1. Input: The user enters basic information (age, occupation, financial status, etc.) into the device.

[0206] 2. Terminal: Display a basic information input form to the user and prompt them to enter their information.

[0207] Specific operation: When a user enters information into a form, the device sends it to the server in real time.

[0208] 3. Output: The entered basic information is sent to the server.

[0209] 4. Server: The server saves the received user's basic information to the database and instructs the user to enter additional information (past transaction history).

[0210] Specific operation: Data stored in the database is used for subsequent analysis.

[0211] 5. Input: The user enters their past transaction history into the terminal.

[0212] 6. Output: The transaction history is sent to the server and stored in the database.

[0213] Step 2:

[0214] Obtaining economic news and market data

[0215] 1. Input: The server accesses endpoints for economic news APIs such as NewsAPI and Bloomberg.

[0216] 2. Server: Obtain the latest information from economic news APIs such as NewsAPI and Bloomberg.

[0217] Specific operation: A periodic cloning job runs on the server, fetching data from an external API.

[0218] 3. Output: The acquired economic news and market data are saved on the server.

[0219] Step 3:

[0220] Generating Investment Insights

[0221] 1. Input: Saved user data (basic information, transaction history) and acquired economic news and market data.

[0222] 2. Server: Uses a generative AI model to generate customized investment insights for each user.

[0223] Specific operation: The generative AI uses machine learning algorithms to analyze user data and market data to derive future investment strategies.

[0224] 3. Output: Customized investment insights are generated for each user and stored in a database.

[0225] Step 4:

[0226] Game adaptation

[0227] 1. Input: Generated investment insights

[0228] 2. Server: Based on investment insights, design quests and challenges to help users learn about investing while having fun.

[0229] Specific actions: Quests are set with specific tasks and incentives (points, badges, level-ups).

[0230] 3. Output: Customized quests and challenges are generated for each user.

[0231] Step 5:

[0232] Offering quests and incentives

[0233] 1. Input: Generated quest data

[0234] 2. Server: Sends quest and challenge data to the device.

[0235] Specific action: A list of quests and detailed information will be sent as a push notification to your device.

[0236] 3. Device: Notifies the user of the quest and displays detailed information.

[0237] Specific actions: The quest screen displays buttons for joining quests and progress indicators.

[0238] 4. Output: The user is shown the quest details and encouraged to participate.

[0239] Step 6:

[0240] Quest completion and tracking

[0241] 1. Input: The user completes the quest and reports their progress.

[0242] 2. User: Complete quests and perform actions.

[0243] Specific operation: When a user completes a quest, progress information is sent from the device to the server.

[0244] 3. Output: User progress information is sent to the server.

[0245] 4. Server: Tracks user progress and awards points and badges for completed quests.

[0246] Specific operation: Progress information is updated in real time, and badges and points are immediately reflected in the user's account.

[0247] Step 7:

[0248] Managing premium services

[0249] 1. Input: The user registers for the premium service and enters their payment information.

[0250] 2. User: Sign up for the premium service and complete the payment.

[0251] Specific steps: Enter your credit card information and other details on the registration screen, and complete the payment.

[0252] 3. Output: Payment information is sent to the server, and the user is approved as a premium user.

[0253] 4. Server: Generates advanced investment insights and special quests for premium users.

[0254] Specific operation: The generated advanced investment insights are stored separately from regular insights.

[0255] 5. Device: Displays premium insights and quests with a special UI.

[0256] Specific actions: A premium-only dashboard screen will appear, allowing you to view special quests and insights.

[0257] (Application Example 1)

[0258] Next, we will explain Application Example 1. In the following explanation, the data processing device 12 will be referred to as the "server," and the smart device 14 will be referred to as the "terminal."

[0259] Traditional investment education systems struggle to provide customized investment strategies based on users' basic information and trading history. Furthermore, they lack elements that increase engagement for novice and casual investors. There is also a need to provide added value by offering advanced investment insights and special quests for premium users.

[0260] The specific processing performed by the specific processing unit 290 of the data processing device 12 in Application Example 1 is realized by the following means.

[0261] This invention includes a server that includes means for collecting basic user information and transaction history, means for analyzing the collected information and evaluating the user's risk tolerance and investment tendencies, means for acquiring economic news and market data and analyzing them using a generating AI, means for generating investment insights based on the analysis results and providing customized investment strategies for each user, means for gamifying investment insights and creating quests and challenges, means for tracking the user's quest completion status and providing incentives such as points and badges, means for providing advanced investment insights and special quests for premium users, and means for users to complete quests on a smartphone app and display their progress and points earned in real time. This makes it possible for novice and casual investors to learn about investing in an enjoyable way while continuously increasing their engagement.

[0262] "User basic information" refers to personal data such as age, occupation, and asset status that is entered into the investment system.

[0263] "Transaction history" refers to a record of all investment activities a user has conducted in the past.

[0264] "Risk tolerance" is an indicator that shows how much risk a user is willing to accept.

[0265] "Investment tendencies" refer to characteristics that indicate what types of investments a user prefers.

[0266] "Economic news" refers to reports that include the latest events and information related to the investment market.

[0267] "Market data" refers to numerical data related to the investment market, such as stock prices and interest rates.

[0268] "Generative AI" refers to artificial intelligence models that analyze data and generate customized investment insights.

[0269] "Investment insights" refer to investment advice and strategies customized for each user.

[0270] "Gamification" is the process of transforming educational or learning content into game elements (quests and challenges).

[0271] A "quest" refers to a specific task or mission that the user must complete.

[0272] A "challenge" is a task or trial that a user is required to undertake.

[0273] "Tracking" refers to continuously monitoring the user's progress in completing quests.

[0274] "Points" are rewards that users earn by completing quests and challenges.

[0275] A "badge" is a digital verification mark awarded to users upon completion of specific quests or challenges.

[0276] A "premium user" is a user who has subscribed to a paid service.

[0277] "Advanced investment insights" refer to the provision of information that is more specialized and detailed than basic investment advice.

[0278] "Special quests" are special tasks or missions provided only to premium users.

[0279] "Smartphone apps" are a type of software that operates on smart devices.

[0280] "Real-time display" is a process in which data is updated immediately and presented to users without delay.

[0281] "Progress status" refers to the status of how far a user has advanced in quests or challenges.

[0282] This invention relates to an embodiment of a personal investment insight system for novice investors and light users to obtain investment insights while enjoying learning. This system collects the user's basic information and trading history, analyzes it to generate customized investment insights, and provides them in a gamified quest format.

[0283] Role of the server:

[0284] 1. Collection and analysis of user data:

[0285] The server receives the basic information (e.g., age, occupation, asset status) and past trading history provided by the user and stores them in the database. Based on this data, the server evaluates the user's risk tolerance and investment tendencies.

[0286] As specific software to be used, Flask and data analysis libraries (Keras, Scikit-learn) are employed.

[0287] 2. Acquisition of economic news and market data:

[0288] The server regularly retrieves the latest economic news and market data from external news APIs (e.g., financialdataapi.com) and financial data providers.

[0289] This data is analyzed using a generation AI model (e.g., a model using TENSORFLOW® / PyTorch) to extract factors that influence users.

[0290] 3. Generating investment insights:

[0291] Using a generative AI model, customized investment insights are generated for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[0292] 4. Integration of game elements:

[0293] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. It also sets up incentives such as points, badges, and level-ups.

[0294] 5. Managing premium services:

[0295] The server manages users' premium service registrations and payment information, and provides premium users with advanced investment insights and exclusive quests.

[0296] Terminal role:

[0297] 1. Providing a user interface:

[0298] The device (especially a smartphone) provides an application for the user to access the system. A form for entering basic information is displayed upon first access.

[0299] Specifically, we will use React Native and Vue.js as software.

[0300] 2. Display and Interaction of Game Functions:

[0301] The terminal presents quests and challenges received from the server to the user. It also includes the function of updating and displaying the user's progress, acquired points, and badges in real time.

[0302] User Roles:

[0303] 1. Information Input and Update:

[0304] The user inputs their basic information upon first access and updates the data as needed. The user also inputs their past transaction history and current investment strategy.

[0305] 2. Learning and Participation in Games:

[0306] The user completes the provided quests and learns about investments. By advancing the quests, the user earns points and badges and progresses to the next stage.

[0307] 3. Use of Premium Services:

[0308] The user registers for premium services, makes payments, and uses advanced investment insights and special quests.

[0309] Specific Examples

[0310] Specific Example 1 (Risk Management through Quests):

[0311] [[ID=4c7]]A new user installs the app and inputs their basic information. Since the risk tolerance is analyzed as "medium", a quest such as "This month's investment quest: Purchase a specific asset to earn points" is displayed from the server.

[0312] When the user completes the quest, points are awarded and the user levels up.

[0313] Example 2 (Premium-only quest):

[0314] Premium users are currently utilizing advanced investment insights. Recently, the server received an insight indicating that major institutional investors are heavily investing in specific market segments, and this information is being used to improve investment strategies.

[0315] Example of a prompt:

[0316] User's age: 35

[0317] Occupation: Engineer

[0318] Asset status: Medium

[0319] Past transaction history: Purchase of stock A, sale of stock B.

[0320] Economic News: Stock prices are on an upward trend, and interest rates are falling.

[0321] This system allows novice and casual investors to learn about investing while having fun, and to sustainably increase their engagement. The premium service offers advanced insights and special quests to meet the diverse needs of users.

[0322] The flow of a specific process in Application Example 1 will be explained using Figure 12.

[0323] Step 1:

[0324] The server collects the user's basic information and transaction history. Users input basic information such as age, occupation, and financial status, as well as their past transaction history, through a smartphone app. The entered data is sent to the server and stored in the database.

[0325] Step 2:

[0326] The server analyzes the collected data to assess users' risk tolerance and investment tendencies. It uses data analysis libraries (Keras, Scikit-learn) to analyze stored user data. Generative AI models are used to predict risk tolerance and investment tendencies, and the results are saved as specific profiles for each user.

[0327] Step 3:

[0328] The server retrieves economic news and market data. It periodically calls external news APIs (e.g., financialdataapi.com) to obtain the latest economic news and market data. The retrieved data is analyzed by a generating AI to extract factors that influence the user's investment strategy.

[0329] Step 4:

[0330] The server generates investment insights based on the analysis results. Based on the analyzed economic news and market data, along with the user's risk tolerance and investment tendencies, a generating AI model produces investment insights. The generated insights are customized for each user and stored in a database.

[0331] Step 5:

[0332] The server creates quests and challenges based on investment insights. It gamifies investment insights, designing quests and challenges to allow users to learn about investing while having fun. Quests have specific tasks and goals, and offer rewards such as points and badges.

[0333] Step 6:

[0334] The device displays quests and challenges and manages user interaction. It receives quest information sent from the server and displays it on the smartphone app interface. The user's progress, points earned, and badges as they complete quests are updated and displayed in real time.

[0335] Step 7:

[0336] The server tracks the user's quest progress. It collects quest progress and user interaction data, and awards points and badges accordingly. This data is stored in a database and reflected in the user's profile.

[0337] Step 8:

[0338] Premium users will receive advanced investment insights and exclusive quests. The server handles registration and authentication for premium services, and generates and delivers expert, detailed insights and exclusive quests to premium users.

[0339] The above is a detailed explanation of the processing steps of this system.

[0340] Furthermore, an emotion engine that estimates the user's emotions may be incorporated. That is, the identification processing unit 290 may use the emotion identification model 59 to estimate the user's emotions and perform identification processing using the user's emotions.

[0341] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn investment knowledge, and incorporates an emotion engine that recognizes user emotions. The system collects and analyzes user basic information and trading history, analyzes economic news and market data to generate customized investment strategies for each user, and then presents these strategies in a gamified format. Furthermore, it recognizes the user's emotional state in real time and adjusts investment insights and quest content to provide optimal feedback to the user.

[0342] Program processing

[0343] Server Role

[0344] Collection and analysis of user data

[0345] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. This data is then analyzed to evaluate the user's risk tolerance and investment tendencies.

[0346] Obtaining economic news and market data

[0347] The server regularly retrieves the latest economic news and market data from various news APIs and financial data provision services. This data is then analyzed by a generating AI to extract factors that affect users.

[0348] Generating Investment Insights

[0349] The AI ​​generates personalized investment insights for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[0350] Integration of game elements

[0351] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. Quests are equipped with incentives such as points, badges, and level-ups.

[0352] Emotional engine integration

[0353] The server uses an emotion engine to recognize and analyze the user's emotional state in real time. Based on this, it adjusts the investment insights, quest content, and feedback provided.

[0354] Managing premium services

[0355] The server manages users' premium service registrations and payment information, and generates advanced investment insights and special quests for premium users.

[0356] Terminal role

[0357] Providing a user interface

[0358] The device (smartphone or PC) provides the app or website that allows the user to access the system. A form for entering basic information is displayed upon first access.

[0359] Display and interaction of game functions

[0360] The device displays quests and challenges received from the server to the user. It also includes a function to update and display the user's progress, earned points, and badges in real time.

[0361] Emotion recognition interface

[0362] The device recognizes the user's emotions through sensors such as the camera and microphone. The recognition results are sent to an emotion engine and analyzed on a server.

[0363] User roles

[0364] Information entry and update

[0365] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[0366] Learning and participation in games

[0367] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[0368] Use of premium services

[0369] Users subscribe to the premium service and pay to access advanced investment insights and special quests.

[0370] Specific example

[0371] Example 1: Risk management through quests

[0372] 1. Server: Collects the latest economic news and analyzes the likelihood of interest rate increases.

[0373] 2. Generative AI: Evaluates interest rate risk and identifies vulnerable users.

[0374] 3. Server: Create a quest titled "Reduce risk before the next interest rate announcement" and set a recommended action (e.g., buy bonds).

[0375] 4. Device: Sends quest notifications to the user and displays details.

[0376] 5. User: Complete quests and perform actions.

[0377] 6. Server: Tracks user progress and awards points and badges.

[0378] 7. Device: Displays earned points and badges to the user.

[0379] Example 2: Adjusting investment insights through emotion recognition

[0380] 1. User: Sends emotional states via camera and microphone while using the system.

[0381] 2. Terminal: Sends emotional data to the emotion engine in real time.

[0382] 3. Emotion Engine: Recognizes emotional states (e.g., high stress) and sends them to the server.

[0383] 4. Server: Adjusts investment insights and quest content based on recognized emotional states (e.g., suggests low-risk investments).

[0384] 5. Device: Display tailored insights and quests to the user.

[0385] As described above, this system collects and analyzes users' basic information and transaction history, and generates customized investment strategies for each user based on the latest economic news and market data. Furthermore, by gamifying the investment strategies and integrating an emotion engine, it provides investment insights and feedback tailored to the user's emotional state. By utilizing premium services, it can meet diverse user needs by providing advanced insights and special quests.

[0386] The following describes the processing flow.

[0387] Step 1:

[0388] User Registration

[0389] User: Sign up for the app or website upon first access and enter basic information (age, occupation, financial status, etc.).

[0390] Terminal: Receives the entered information and sends it to the server.

[0391] Step 2:

[0392] Data storage and initial analysis

[0393] Server: Stores basic user information in the database.

[0394] Server: Analyzes stored data to assess the user's initial risk tolerance and investment tendencies.

[0395] Step 3:

[0396] Collection of news and market data

[0397] Server: Regularly retrieves the latest economic news and market data from various news APIs and financial data provision services.

[0398] Step 4:

[0399] News Analysis

[0400] Generative AI: Analyzes collected news and market data as text to extract information likely to influence investments (e.g., interest rate fluctuations, corporate earnings).

[0401] Server: Based on the extracted information, it identifies economic factors likely to affect the user and generates multiple investment scenarios.

[0402] Step 5:

[0403] Generating Individual Investment Insights

[0404] Server: Matches user-specific data (basic information, past transaction history, risk tolerance) and selects applicable investment scenarios.

[0405] Generating AI: Based on user data, it generates investment insights to suggest recommended investment strategies and risk management measures.

[0406] Step 6:

[0407] Creating game elements

[0408] Server: Based on the generated investment insights, design quests and challenges (e.g., "Adjust your portfolio before the next interest rate hike").

[0409] Server: Quests will have incentives such as points, badges, and level-ups.

[0410] Step 7:

[0411] Quest notifications and displays

[0412] Terminal: Sends a notification to the user's screen to display a new quest.

[0413] Terminal: Displays quests and their details in a format that is easy for the user to understand.

[0414] Step 8:

[0415] User quest completion

[0416] User: Follow the provided quest and perform specific investment actions (e.g., buy or sell a specific stock).

[0417] Terminal: Records user actions and sends them to the server.

[0418] Step 9:

[0419] Acquisition of emotion recognition data

[0420] Device: Uses sensors such as cameras and microphones to acquire user emotion data.

[0421] Terminal: Transmits acquired emotion data to the emotion engine in real time.

[0422] Step 10:

[0423] Analysis and response to emotional data

[0424] Emotion Engine: Analyzes transmitted emotion data to identify the user's emotional state (e.g., high stress, agitated).

[0425] Server: Adjusts investment insights and quest content based on recognized emotional states (e.g., suggests low-risk investments).

[0426] Step 11:

[0427] Progress tracking and feedback

[0428] Server: Tracks the user's quest completion progress.

[0429] Server: Based on real-time data, it awards points and badges to users.

[0430] Device: Displays earned points, badges, and progress to the user.

[0431] Step 12:

[0432] Premium service registration and management

[0433] User: Register for the premium service and enter your payment information.

[0434] Server: Stores registration information and payment data, and authenticates premium users.

[0435] Step 13:

[0436] Premium content provision

[0437] Server: Generates advanced investment insights and special quests for premium users.

[0438] Device: Display premium content through a special interface, making it accessible to users.

[0439] (Example 2)

[0440] Next, we will describe Example 2. In the following description, the data processing device 12 will be referred to as the "server" and the smart device 14 as the "terminal".

[0441] Traditional investment learning systems primarily provided investment strategies based on users' basic information and trading history, lacking adjustments that took into account users' emotional states and learning methods that incorporated gamification elements. As a result, it was difficult for beginners and casual users to deepen their understanding of investing or to maintain their interest and engagement. Furthermore, there was a demand for more advanced investment insights and special quests for premium service subscribers.

[0442] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means.

[0443] This invention includes a server that collects basic user information and transaction history, analyzes the collected information to evaluate the user's risk tolerance and investment tendencies, acquires the latest news and market data and analyzes it using a generating AI, generates investment insights based on the analysis results and provides customized investment strategies for each user, creates quests and challenges to gamify investment strategies, tracks the user's quest completion status and provides incentives such as points and badges, and recognizes the user's emotional state in real time and adjusts investment insights and quest content based on the recognized emotional state. This allows users to learn about investing while maintaining their interest and receive appropriate feedback according to their emotional state. Furthermore, premium users can be provided with more advanced investment insights and special quests.

[0444] "User basic information" refers to personal information provided by the user, such as age, occupation, and financial status.

[0445] "Transaction history" refers to a record of investment transactions a user has made in the past.

[0446] "Means of collection" refers to methods and technologies for receiving basic user information and transaction history and storing it in a database.

[0447] "Means of analysis" refer to methods and techniques for analyzing collected data to evaluate users' risk tolerance and investment tendencies.

[0448] "Means of acquisition" refers to methods and technologies for collecting the latest news and market data from sources such as news APIs and financial data provision services.

[0449] "Generative AI" is an artificial intelligence model that generates customized investment insights for each user based on collected and analyzed data.

[0450] "Investment insights" refer to investment strategies and advice provided to users.

[0451] "Methods of gamification" refer to methods and techniques for creating quests and challenges based on investment insights and incorporating game elements.

[0452] A "quest" is an investment-related task or mission that a user attempts to complete.

[0453] A "challenge" is an attempt or endeavor by a user to achieve a specific investment objective or goal.

[0454] "Tracking methods" refer to methods and technologies for tracking a user's quest completion status and awarding points or badges accordingly.

[0455] "Incentives" are rewards such as points, badges, and level-ups that users can earn when completing quests and challenges.

[0456] "Emotional state" refers to the user's current emotions and stress level.

[0457] "Real-time recognition methods" refer to methods and technologies that use cameras and microphones to instantly analyze and recognize a user's emotions.

[0458] "Means of adjustment" refer to methods and techniques for appropriately modifying investment insights and quest content based on the perceived emotional state of the user.

[0459] A "premium user" is a user who pays an additional fee to access advanced services and benefits.

[0460] "Means of registration and authentication" refers to the methods and technologies used to register and authenticate users as premium users.

[0461] "Advanced investment insights" refer to insights that include more specialized and detailed investment information and strategies.

[0462] "Special quests" are special investment missions and challenges prepared exclusively for premium users and are not accessible to regular users.

[0463] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn about investing. The system collects and analyzes the user's basic information and past trading history, and provides customized investment strategies using the latest news and market data. Furthermore, it gamifies the process, recognizing the user's emotions in real time and adjusting feedback accordingly to provide optimal investment insights.

[0464] Server Role

[0465] Collection and analysis of user data

[0466] The server collects basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores this information in a database. Generative AI is used to analyze the collected data and evaluate the user's risk tolerance and investment tendencies.

[0467] Specific example: When a user provides basic information such as "30 years old, salaried worker, assets of 1 million yen," the server collects this information and uses a generating AI to assess their risk tolerance as "moderate."

[0468] Obtaining economic news and market data

[0469] The server retrieves the latest economic news and market data from news APIs (e.g., Google® News API) and financial data providers (e.g., Alpha Vantage). This data is then analyzed by a generative AI to extract factors that may affect the user.

[0470] Specific example: The server retrieves information about "the risk of rising interest rates" from a news API, analyzes it using a generating AI, and presents the user with the conclusion that "the risk of rising interest rates is increasing."

[0471] Generating Investment Insights

[0472] Generating Investment Insights

[0473] The server uses AI to generate personalized investment insights for each user, based on user data, economic news, and market data analysis results. These insights are stored in a database and provided to the user.

[0474] Specific example: The generating AI creates an insight suggesting a "bond purchase" to a 30-year-old salaried user, taking into account the risk of rising interest rates.

[0475] Integration of game elements

[0476] Gamified quest generation

[0477] Based on the generated investment insights, the server designs quests and challenges that users can enjoy, incorporating game elements. Quests are equipped with incentives such as points, badges, and level-ups.

[0478] Specific example: The server generates a quest that says "Reduce risk before the next interest rate announcement" and sets "Buy bonds" as the recommended action.

[0479] Emotional engine integration

[0480] Recognizing the user's emotional state

[0481] The device uses its camera and microphone to recognize the user's emotional state in real time. This emotional data is sent to a server and analyzed by an emotion engine. Based on the analysis results, investment insights and quest content are adjusted.

[0482] Specific example: If a user experiences stress through the camera or microphone while using the system, the emotion engine recognizes this, and the server provides low-risk investment insights.

[0483] Managing premium services

[0484] The server manages premium user registration and payment information, and provides premium users with advanced investment insights and special quests.

[0485] Specific example: Premium users are offered "special quests on complex options trading" and "advanced investment analysis reports."

[0486] Example of a prompt

[0487] "Please describe in detail a scenario in which a 30-year-old office worker enters basic information and carries out a risk management quest involving bond purchases."

[0488] "Explain how the emotion engine and servers provide low-risk investment insights when users experience stress while using the system."

[0489] The above describes the specific embodiments for carrying out this invention.

[0490] The flow of the specific processing in Example 2 will be explained using Figure 13.

[0491] Program processing flow

[0492] Collection and analysis of user data

[0493] Step 1:

[0494] The server sends a request to the terminal to display the user's basic information input form.

[0495] Input: Request from the device during the first access.

[0496] Output: Request to display the basic information input form

[0497] Specific operation: The server sends an API call to the terminal, instructing it to "display the basic information form."

[0498] Step 2:

[0499] The device displays a basic information input form to the user.

[0500] Input: API request from server

[0501] Output: Display of the basic information input form screen

[0502] Specific operation: The device displays input fields on the screen for age, occupation, asset status, etc.

[0503] Step 3:

[0504] The user enters basic information (e.g., age, occupation, financial status) and presses the submit button.

[0505] Input: Basic information (e.g., "30 years old", "Salaried worker", "Assets of 1 million yen")

[0506] Output: Sending basic information to the server

[0507] Specific action: The user enters information into the form and clicks the submit button.

[0508] Step 4:

[0509] The server receives basic information sent by the user and stores it in the database.

[0510] Input: Basic information submitted by the user

[0511] Output: Saving data to the database

[0512] Specific operation: The server verifies the received data and saves it to the database.

[0513] Step 5:

[0514] The server sends stored basic information to a generating AI, which then evaluates the user's risk tolerance and investment tendencies.

[0515] Input: Basic user information stored in the database

[0516] Output: Assessment results of risk tolerance and investment tendencies

[0517] Specific operation: The server sends data to the generating AI, which evaluates the risk tolerance (e.g., "moderate") and investment tendencies.

[0518] Obtaining economic news and market data

[0519] Step 6:

[0520] The server periodically retrieves data from news APIs and financial data provision services.

[0521] Input: Periodic data retrieval request

[0522] Output: Latest economic news and market data

[0523] Specific operation: The server sends requests to news APIs and financial data providers to retrieve data.

[0524] Step 7:

[0525] The server sends the acquired data to the generating AI for analysis.

[0526] Input: Acquired economic news and market data

[0527] Output: Analysis results (e.g., "There is a high risk of interest rates rising")

[0528] Specific operation: The server sends news and market data to a generating AI, which then analyzes it.

[0529] Generating Investment Insights

[0530] Step 8:

[0531] The server requests the AI ​​to generate investment insights based on user data, economic news, and market data analysis results.

[0532] Input: User's basic information, analyzed economic news, market data

[0533] Output: Customized investment insights

[0534] Specific operation: The server sends an instruction to the generating AI: "Generate investment insights for this user."

[0535] Step 9:

[0536] The generating AI creates investment insights by taking into account the user's risk tolerance and investment tendencies.

[0537] Input: Data sent from the server

[0538] Output: Customized investment insights (e.g., "Recommends purchasing bonds considering the risk of rising interest rates")

[0539] Specific operation: The generating AI analyzes data and generates optimal investment insights.

[0540] Step 10:

[0541] The server stores the generated investment insights in a database and prepares them to be provided to users.

[0542] Input: Investment insights generated by AI

[0543] Output: Saving insights to the database, preparing them for user delivery.

[0544] Specific operation: The server saves the investment insights received from the generated AI to a database.

[0545] Integration of game elements

[0546] Step 11:

[0547] Based on the generated investment insights, the server creates quests and challenges that users can enjoy.

[0548] Input: Generated investment insights

[0549] Output: Generation of quests and challenges

[0550] Specific operation: The server creates a quest such as "Set up bond purchases to mitigate interest rate risk as the next quest."

[0551] Step 12:

[0552] The server sets up incentives for quests, such as points, badges, and level-ups.

[0553] Input: Created quest

[0554] Output: Setting incentives associated with quests

[0555] Specific operation: The server sets incentives such as points and badges for quests.

[0556] Step 13:

[0557] The server sends the generated quest to the terminal and notifies the user.

[0558] Input: Created quests and incentives

[0559] Output: Notification to the user

[0560] Specific operation: The server sends an API call to the terminal, notifying it of a new quest and its details.

[0561] Emotional engine integration

[0562] Step 14:

[0563] The device uses a camera and microphone to recognize the user's emotional state in real time.

[0564] Input: Emotional data from camera and microphone

[0565] Output: Recognized emotional state

[0566] Specific operation: The device analyzes the user's facial expressions and voice to recognize their emotional state in real time.

[0567] Step 15:

[0568] The device sends the recognized emotion data to the emotion engine.

[0569] Input: Recognized emotional state

[0570] Output: Sending data to the emotion engine

[0571] Specific operation: The device sends the recognized emotion data to the server.

[0572] Step 16:

[0573] The emotion engine analyzes emotional states and adjusts investment insights and quest content accordingly.

[0574] Input: Sentiment data

[0575] Output: Adjusted investment insights and quest content

[0576] Specific operation: The emotion engine analyzes data and adjusts it to appropriate investment insights and quest content.

[0577] Step 17:

[0578] The server sends tailored insights and quests to the device and displays them to the user.

[0579] Input: Adjusted insights and quests

[0580] Output: Display to the user

[0581] Specific operation: The server sends the adjusted content to the terminal, allowing the user to view it on the screen.

[0582] Managing premium services

[0583] Step 18:

[0584] Users enter their information on the premium service registration screen and make a payment.

[0585] Input: User registration information and payment information

[0586] Output: Sending data to the server

[0587] Specific action: The user enters credit card information and completes the payment.

[0588] Step 19:

[0589] The server stores premium users' registration and payment information in a database.

[0590] Input: User registration information and payment information

[0591] Output: Save to database

[0592] Specific operation: The server verifies the received information and saves it to the database.

[0593] Step 20:

[0594] The server generates advanced investment insights and special quests for premium users and sends them to their devices.

[0595] Input: Premium user data, data analyzed by generated AI

[0596] Output: Advanced investment insights and special quests

[0597] Specific operation: The server generates and sends to the terminal "special quests on complex options trading" and "advanced investment analysis reports" for premium users.

[0598] The above outlines the specific processing steps of this system.

[0599] (Application Example 2)

[0600] Next, we will explain application example 2. In the following explanation, the data processing device 12 will be referred to as the "server," and the smart device 14 will be referred to as the "terminal."

[0601] Traditional personal investment systems have faced challenges such as users' lack of knowledge and judgment errors stemming from emotions. Therefore, there is a need for a system that allows users to learn about investments in an enjoyable way while receiving appropriate feedback in real time. Furthermore, there has been a lack of flexible investment insights tailored to users' emotional states, and the enhancement of engagement through gamification of investing has been insufficient.

[0602] In Application Example 2, the specific processing performed by the specific processing unit 290 of the data processing device 12 is realized by the following means. In this invention, the server includes means for collecting the user's basic information and transaction history, means for analyzing the collected information and evaluating the user's risk tolerance and investment tendencies, means for acquiring economic news and market data and analyzing them with a generating AI, means for generating investment insights based on the analysis results and providing a customized investment strategy for each user, means for gamifying the investment insights and creating quests and challenges, means for tracking the user's quest completion status and providing incentives such as points and badges, an emotion engine that recognizes the user's emotional state and analyzes it in real time, means for adjusting investment insights and quest content based on the recognized emotional state, means for displaying the emotion recognition results on the user interface, means for presenting risk reduction measures based on market data and emotional state, and means for being installed in smart glasses. This makes it possible for users to learn investment knowledge in an enjoyable way while receiving appropriate investment strategies and feedback according to their emotional state.

[0603] "User basic information" refers to data that shows the basic characteristics of each investor, such as age, occupation, and asset status.

[0604] "Transaction history" refers to a record of investment transactions a user has made in the past, and includes data such as the date, time, amount, and quantity of asset purchases and sales.

[0605] "Generative AI" refers to artificial intelligence that analyzes data and generates customized investment insights for each user.

[0606] "Investment insights" refer to the insights and advice that users have regarding their investment activities, and include specific investment strategies and risk management methods.

[0607] An "emotion engine" refers to the technology and devices used to recognize and analyze a user's emotional state in real time.

[0608] "Smart glasses" are glasses-type wearable devices that display information and overlay digital content onto the user's field of vision.

[0609] A "quest" refers to a mission or challenge that the user must complete, and is provided as a game element.

[0610] "Points and badges" refer to rewards and titles that users can earn by completing quests, and are used to increase user motivation.

[0611] An "investment strategy" refers to a plan or policy for a user to increase their assets, and includes risk management and the selection of investment targets.

[0612] "Risk reduction measures" refer to actions and advice aimed at minimizing the impact of market fluctuations.

[0613] "Economic news and market data" refers to information that shows the current economic situation and market trends, and includes financial news, indicators, stock prices, etc.

[0614] "Emotion recognition results" refer to data that shows the user's emotional state as analyzed by the emotion engine.

[0615] This invention relates to a personal investment insight system implemented through an application installed on smart glasses. The system consists of three main components: a server, a user terminal (smart glasses), and the user.

[0616] Server Role

[0617] The server includes the following measures:

[0618] 1. Collection and analysis of user data

[0619] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. This data is then analyzed to evaluate the user's risk tolerance and investment tendencies.

[0620] 2. Obtaining economic news and market data

[0621] The server regularly retrieves the latest economic news and market data from various news APIs and financial data provision services. This data is then analyzed using AI to extract factors that influence users.

[0622] 3. Generating investment insights

[0623] The AI ​​generates personalized investment insights for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[0624] 4. Integration of game elements

[0625] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. Quests are equipped with incentives such as points, badges, and level-ups.

[0626] 5. Integration of the Emotional Engine

[0627] The server uses an emotion engine to recognize and analyze the user's emotional state in real time. Based on this, it adjusts the investment insights, quest content, and feedback provided.

[0628] 6. Display of emotion recognition results

[0629] The server displays the results of the user's emotion recognition on the user interface, which can be used as a reference for investment decisions and quest progression.

[0630] 7. Presentation of risk reduction measures

[0631] The server proposes risk reduction measures to the user based on market data and sentiment.

[0632] Terminal role

[0633] Smart glasses as a device include the following means:

[0634] Providing a user interface

[0635] Smart glasses provide an interface for the user to access the system. A form for entering basic information is displayed upon initial access.

[0636] Display and interaction of game functions

[0637] The smart glasses display quests and challenges received from the server to the user. This also includes a feature that updates and displays the user's progress, earned points, and badges in real time.

[0638] Emotion recognition interface

[0639] The smart glasses recognize the user's emotions through sensors such as the camera and microphone. The recognition results are sent to an emotion engine and analyzed on a server.

[0640] User roles

[0641] The user operates the system as follows:

[0642] Information entry and update

[0643] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[0644] Learning and participation in games

[0645] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[0646] Adding specific examples

[0647] For example, if a user is experiencing stress, the server recognizes this through its emotion engine and suggests a low-risk investment strategy. The user then receives real-time feedback through smart glasses, enabling them to take risk reduction measures.

[0648] Example of a prompt

[0649] Please provide investment suggestions for users who are experiencing stress. Specific examples of low-risk investments tailored to the user's emotional state should be given.

[0650] The flow of a specific process in Application Example 2 will be explained using Figure 14.

[0651] Step 1:

[0652] server

[0653] The system collects and inputs basic user information and transaction history. The entered data is stored in a database on the server. This data is used as foundational information to evaluate the user's risk tolerance and investment tendencies.

[0654] Step 2:

[0655] server

[0656] We acquire economic news and market data from external sources. We regularly ingest the latest economic news and market indicators through news APIs and financial data provision services. This data is then passed to a generating AI to serve as input for analysis.

[0657] Step 3:

[0658] server

[0659] This system analyzes economic news and market data collected using generative AI. It integrates the user's basic information and trading history, generating investment insights based on the analysis results. The output is a customized investment strategy and advice tailored to the specific user.

[0660] Step 4:

[0661] server

[0662] The game integrates investment insights as a game element. Quests and challenges are designed based on the generated insights. Quests are equipped with incentives such as points, badges, and level-ups. This information is sent to the user's device.

[0663] Step 5:

[0664] Device (smart glasses)

[0665] The system displays received quests and challenges to the user. It also updates and displays the user's progress, earned points, and badges in real time. Based on the displayed information, the user decides on their next action.

[0666] Step 6:

[0667] Device (smart glasses)

[0668] Sensors such as cameras and microphones are used to recognize the user's emotional state. This emotional data is acquired in real time and sent to a server. The recognition results are analyzed by an emotion engine.

[0669] Step 7:

[0670] server

[0671] The system analyzes the acquired emotional state and provides optimal feedback to the user. Based on the analysis results of the emotion engine, it adjusts investment insights, tutorials, and quest content. If the user's emotional state is stressed, it suggests low-risk investment strategies, etc.

[0672] Step 8:

[0673] server

[0674] Optimized investment insights and quest objectives are displayed in the user interface to provide feedback. This allows users to take actions that align with their emotional state.

[0675] Step 9:

[0676] User

[0677] Players execute investment strategies and game quests. They input their progress and advance to the next stage. Points and badges acquired are updated and recorded. Users can view the results of their actions in real time and plan their next moves.

[0678] Step 10:

[0679] server

[0680] The system tracks users' quest completion progress and provides incentives such as points and badges. Progress data is updated in real time and provided to users as feedback. This increases engagement in investment learning.

[0681] 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 user input for the result of the specific processing. The control unit 46A transmits the audio data indicating 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.

[0682] Data generation model 58 is a so-called generative AI (Artificial Intelligence). An example of data generation model 58 is ChatGPT (registered trademark) (Internet search).<URL: https: / / openai.com / blog / chatgpt> ), Gemini (registered trademark) (Internet search) <url: https: gemini.google.com ?hl="ja">Examples of generative AI include the following. The data generation model 58 is obtained by performing deep learning on a neural network. The data generation model 58 is input with prompts containing instructions, and with inference data such as audio data representing speech, text data representing text, and image data representing images. The data generation model 58 infers from the input inference data according to the instructions indicated by the prompts, and outputs the inference results in data formats such as audio data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization.

[0683] In the above embodiment, an example was given in which specific processing is performed by the data processing device 12, but the technology of this disclosure is not limited thereto, and the specific processing may also be performed by the smart device 14.

[0684] [Second Embodiment]

[0685] Figure 3 shows an example of the configuration of the data processing system 210 according to the second embodiment.

[0686] As shown in Figure 3, the data processing system 210 includes a data processing device 12 and smart glasses 214. An example of the data processing device 12 is a server.

[0687] The data processing device 12 comprises a computer 22, a database 24, and a communication interface 26. The computer 22 is an example of a "computer" related to the technology of this disclosure. The computer 22 comprises a processor 28, RAM 30, and storage 32. The processor 28, RAM 30, and storage 32 are connected to a bus 34. The database 24 and the communication interface 26 are also connected to the bus 34. The communication interface 26 is connected to a network 54. An example of the network 54 is a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[0688] The smart glasses 214 include a computer 36, a microphone 238, a speaker 240, a camera 42, and a communication interface 44. The computer 36 includes a processor 46, RAM 48, and storage 50. The processor 46, RAM 48, and storage 50 are connected to a bus 52. The microphone 238, speaker 240, and camera 42 are also connected to the bus 52.

[0689] The microphone 238 receives voice signals from the user 20 and receives instructions from the user 20. The microphone 238 captures the voice signals from the user 20, converts the captured voice into audio data, and outputs it to the processor 46. The speaker 240 outputs audio according to the instructions from the processor 46.

[0690] Camera 42 is a small digital camera equipped with an optical system including a lens, aperture, and shutter, and an image sensor such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor, and captures images of the area around the user 20 (for example, an imaging range defined by a field of view equivalent to the width of a typical healthy person's field of vision).

[0691] Communication interface 44 is connected to network 54. Communication interfaces 44 and 26 are responsible for the exchange of various information between processor 46 and processor 28 via network 54. The exchange of various information between processor 46 and processor 28 using communication interfaces 44 and 26 is performed in a secure manner.

[0692] Figure 4 shows an example of the main functions of the data processing device 12 and the smart glasses 214. As shown in Figure 4, the data processing device 12 performs specific processing using the processor 28. The storage 32 stores the specific processing program 56.

[0693] The specific processing program 56 is an example of a "program" relating to the technology of this 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.

[0694] The storage 32 stores the data generation model 58 and the emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[0695] In the smart glasses 214, the processor 46 performs the reception output processing. The storage 50 stores the reception output program 60. 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 processing is realized by the processor 46 operating as a control unit 46A according to the reception output program 60 executed on the RAM 48.

[0696] Next, the identification processing performed by the identification processing unit 290 of the data processing device 12 will be described. 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".

[0697] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn about investing. The system collects and analyzes users' basic information and trading history, analyzes economic news and market data to generate customized investment strategies for each user, and presents these strategies in a gamified format. Furthermore, it offers advanced investment insights and special quests for premium users.

[0698] Program processing

[0699] Server Role

[0700] Collection and analysis of user data

[0701] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. This data is then analyzed to evaluate the user's risk tolerance and investment tendencies.

[0702] Obtaining economic news and market data

[0703] The server regularly retrieves the latest economic news and market data from various news APIs and financial data providers. This data is then analyzed by a generating AI to extract factors that influence users.

[0704] Generating Investment Insights

[0705] The AI ​​generates personalized investment insights for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[0706] Integration of game elements

[0707] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. Quests are equipped with incentives such as points, badges, and level-ups.

[0708] Managing premium services

[0709] The server manages users' premium service registrations and payment information, and generates advanced investment insights and special quests for premium users.

[0710] Terminal role

[0711] Providing a user interface

[0712] The device (smartphone or PC) provides the app or website that allows the user to access the system. A form for entering basic information is displayed upon first access.

[0713] Display and interaction of game functions

[0714] The device displays quests and challenges received from the server to the user. It also includes a function to update and display the user's progress, earned points, and badges in real time.

[0715] User roles

[0716] Information entry and update

[0717] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[0718] Learning and participation in games

[0719] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[0720] Use of premium services

[0721] Users subscribe to the premium service and pay to access advanced investment insights and special quests.

[0722] Specific example

[0723] Example 1: Risk management through quests

[0724] 1. Server: Collects the latest economic news and analyzes the likelihood of interest rate increases.

[0725] 2. Generative AI: Evaluates interest rate risk and identifies vulnerable users.

[0726] 3. Server: Create a quest titled "Reduce risk before the next interest rate announcement" and set a recommended action (e.g., buy bonds).

[0727] 4. Device: Sends quest notifications to the user and displays details.

[0728] 5. User: Complete quests and perform actions.

[0729] 6. Server: Tracks user progress and awards points and badges.

[0730] 7. Device: Displays earned points and badges to the user.

[0731] Example 2: Premium-only quests

[0732] 1. User: Sign up for the premium service and complete the payment.

[0733] 2. Server: Analyzes and provides advanced investment insights for premium users (e.g., trends of major institutional investors).

[0734] 3. Device: Premium Insights will be displayed with a special UI.

[0735] 4. User: Implement investment strategies based on the insights provided.

[0736] As described above, this system collects and analyzes users' basic information and transaction history, and generates customized investment strategies for each user based on the latest economic news and market data. By providing these investment strategies in a gamified format, it can increase engagement among novice and casual investors. Furthermore, by offering advanced insights and special quests through premium services, it can meet the diverse needs of users.

[0737] The following describes the processing flow.

[0738] Step 1:

[0739] User Registration

[0740] User: Sign up for the app or website upon first access and enter basic information (age, occupation, financial status, etc.).

[0741] Terminal: Receives the entered information and sends it to the server.

[0742] Step 2:

[0743] Data storage and initial analysis

[0744] Server: Stores basic user information in the database.

[0745] Server: Analyzes stored data to assess the user's initial risk tolerance and investment tendencies.

[0746] Step 3:

[0747] Collection of news and market data

[0748] Server: Regularly retrieves the latest economic news and market data from various news APIs and financial data provision services.

[0749] Step 4:

[0750] News Analysis

[0751] Generative AI: Analyzes collected news and market data as text to extract information likely to influence investments (e.g., interest rate fluctuations, corporate earnings).

[0752] Server: Generates multiple investment scenarios based on the extracted information.

[0753] Step 5:

[0754] Generating Individual Investment Insights

[0755] Server: Matches user-specific data (basic information, past trading history, risk tolerance) to generate individual investment insights.

[0756] Generative AI: Based on user data, it suggests recommended investment strategies and risk management measures.

[0757] Step 6:

[0758] Creating game elements

[0759] Server: Based on the generated investment insights, design quests and challenges (e.g., "Adjust your portfolio before the next interest rate hike").

[0760] Server: Quests will have incentives such as points, badges, and level-ups.

[0761] Step 7:

[0762] Quest notifications and displays

[0763] Terminal: Sends a notification to the user's screen to display a new quest.

[0764] Terminal: Displays quests and their details in a format that is easy for the user to understand.

[0765] Step 8:

[0766] User quest completion

[0767] User: Follow the provided quest and perform specific investment actions (e.g., buy or sell a specific stock).

[0768] Terminal: Records user actions and sends them to the server.

[0769] Step 9:

[0770] Progress tracking and feedback

[0771] Server: Updates the user's progress based on the received data.

[0772] Device: Displays progress, earned points, and badges to the user in real time.

[0773] Step 10:

[0774] Premium service registration and management

[0775] User: Register for the premium service and enter your payment information.

[0776] Server: Stores registration information and payment data, and authenticates premium users.

[0777] Step 11:

[0778] Premium content provision

[0779] Server: Generates advanced investment insights and special quests for premium users.

[0780] Device: Display premium content through a special interface, making it accessible to users.

[0781] (Example 1)

[0782] Next, we will describe Example 1. 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."

[0783] Traditional investment learning systems have made it difficult for novice and casual investors to efficiently acquire investment knowledge and increase their engagement. Furthermore, they lacked educational methods that included customized investment strategies and incentives for each user, rather than simply providing information. Additionally, the limited availability of advanced insights and special quests for premium users made deeper learning difficult.

[0784] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 1 is realized by the following means.

[0785] This invention includes a server that includes means for collecting basic user information and transaction history, means for analyzing the collected information and evaluating the user's risk tolerance and investment tendencies, means for acquiring economic news and market data and analyzing them using a generating AI, means for generating investment insights based on the analysis results and providing customized investment strategies for each user, means for gamifying investment insights and creating quests and challenges, means for tracking the user's quest completion status and providing incentives such as points and badges, means for generating advanced investment insights and special quests for premium users, and means for providing a user interface that displays information on quests, progress, points earned, and badges in real time on the terminal. This makes it possible for novice and casual investors to deepen their investment knowledge efficiently and enjoyably through customized investment learning and a gamified experience for each user.

[0786] "User basic information" refers to information about the user's personal attributes, such as age, occupation, and financial status.

[0787] "Transaction history" refers to a record of investments and transactions that a user has made in the past.

[0788] "Generative AI" refers to artificial intelligence that uses machine learning algorithms to analyze data and generate investment insights.

[0789] "Economic news" refers to news that provides the latest information on financial markets, economic trends, economic policies, and other related topics.

[0790] "Market data" refers to various types of data related to financial markets, such as stock prices, bond prices, and exchange rates.

[0791] "Investment Insights" refers to investment insights and advice provided to users based on the results of analysis by generated AI.

[0792] A "customized investment strategy" refers to an investment approach that is individually tailored based on each user's risk tolerance and investment tendencies.

[0793] "Gamification" is the process of incorporating game elements into investment insights or quests to engage users and promote learning.

[0794] A "quest" is a specific task or challenge that users undertake, designed as part of their investment learning experience.

[0795] A "challenge" is an initiative or task that the user must accomplish, with the aim of acquiring investment knowledge.

[0796] "Points" are rewards that users earn by completing quests.

[0797] A "badge" is a title or emblem that a user can earn by completing specific quests or challenges.

[0798] An "incentive" is a reward or reward that motivates users to complete quests or challenges.

[0799] A "premium user" is a user who subscribes to a paid service and can use additional benefits and services.

[0800] "Advanced investment insights" refer to deeper analysis and more detailed investment information provided to premium users.

[0801] "Special quests" are challenges designed for premium users, containing more advanced content than regular quests.

[0802] A "user interface" refers to the screens and operating methods that a user uses when interacting with a system.

[0803] "Real-time display" means that data and information are updated instantly and displayed to the user immediately.

[0804] Modes for carrying out the invention

[0805] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn about investing. The system collects and analyzes user basic information and trading history, and analyzes economic news and market data to generate customized investment strategies for each user. In addition, the generated investment strategies are presented as gamified elements to increase user motivation. Furthermore, advanced investment insights and special quests are offered to premium users.

[0806] System Configuration

[0807] 1. Server Role

[0808] Collection and analysis of user data

[0809] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. A dedicated module then operates to analyze this data and evaluate the user's risk tolerance and investment tendencies.

[0810] Obtaining economic news and market data

[0811] The server retrieves the latest economic news and market data from economic news APIs such as NewsAPI and Bloomberg, as well as from financial data providers.

[0812] Generating Investment Insights

[0813] Using a generative AI model, customized investment insights are generated for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[0814] Integration of game elements

[0815] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. Quests are equipped with incentives such as points, badges, and level-ups.

[0816] Managing premium services

[0817] The server features modules for generating advanced investment insights and special quests for premium users.

[0818] 2. The role of the terminal

[0819] Providing a user interface

[0820] The device (smartphone or PC) provides the app or website that allows the user to access the system. A form for entering basic information is displayed upon first access.

[0821] Display and interaction of game functions

[0822] The device displays quests and challenges received from the server to the user. This includes features that update and display the user's progress, earned points, and badges in real time.

[0823] 3. User Roles

[0824] Information entry and update

[0825] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[0826] Learning and participation in games

[0827] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[0828] Use of premium services

[0829] Users subscribe to the premium service and pay to access advanced investment insights and special quests.

[0830] Specific example

[0831] Example 1: Risk management through quests

[0832] 1. Server: Collects the latest economic news and analyzes the likelihood of interest rate increases.

[0833] 2. Generative AI: Evaluates interest rate risk and identifies vulnerable users.

[0834] 3. Server: Create a quest titled "Reduce risk before the next interest rate announcement" and set a recommended action (e.g., buy bonds).

[0835] 4. Device: Sends quest notifications to the user and displays details.

[0836] 5. User: Complete quests and perform actions.

[0837] 6. Server: Tracks user progress and awards points and badges.

[0838] 7. Device: Displays earned points and badges to the user.

[0839] Example 2: Premium-only quests

[0840] 1. User: Sign up for the premium service and complete the payment.

[0841] 2. Server: Analyzes and provides advanced investment insights for premium users (e.g., trends of major institutional investors).

[0842] 3. Device: Premium Insights will be displayed with a special UI.

[0843] 4. User: Implement investment strategies based on the insights provided.

[0844] Example of a prompt

[0845] 1. Collection of user data:

[0846] "Receive basic user information and past transaction history, and store it in a database. Analyze the user's risk tolerance and investment tendencies."

[0847] 2. Obtaining economic news:

[0848] "Retrieve the latest economic news from NewsAPI and Bloomberg, and analyze it using a generating AI. Extract the factors that influence users."

[0849] 3. Quest generation:

[0850] "Create a quest on the server titled 'Reduce Risk Before the Next Interest Rate Announcement,' and set bond purchases as the recommended action."

[0851] As described above, this system collects and analyzes users' basic information and transaction history, and generates and provides customized investment strategies and quests based on the latest economic news and market data. This allows novice investors and casual users to deepen their investment knowledge efficiently while having fun.

[0852] The flow of the specific processing in Example 1 will be explained using Figure 11.

[0853] Step 1:

[0854] User data collection

[0855] 1. Input: The user enters basic information (age, occupation, financial status, etc.) into the device.

[0856] 2. Terminal: Display a basic information input form to the user and prompt them to enter their information.

[0857] Specific operation: When a user enters information into a form, the device sends it to the server in real time.

[0858] 3. Output: The entered basic information is sent to the server.

[0859] 4. Server: The server saves the received user's basic information to the database and instructs the user to enter additional information (past transaction history).

[0860] Specific operation: Data stored in the database is used for subsequent analysis.

[0861] 5. Input: The user enters their past transaction history into the terminal.

[0862] 6. Output: The transaction history is sent to the server and stored in the database.

[0863] Step 2:

[0864] Obtaining economic news and market data

[0865] 1. Input: The server accesses endpoints for economic news APIs such as NewsAPI and Bloomberg.

[0866] 2. Server: Obtain the latest information from economic news APIs such as NewsAPI and Bloomberg.

[0867] Specific operation: A periodic cloning job runs on the server, fetching data from an external API.

[0868] 3. Output: The acquired economic news and market data are saved on the server.

[0869] Step 3:

[0870] Generating Investment Insights

[0871] 1. Input: Saved user data (basic information, transaction history) and acquired economic news and market data.

[0872] 2. Server: Uses a generative AI model to generate customized investment insights for each user.

[0873] Specific operation: The generative AI uses machine learning algorithms to analyze user data and market data to derive future investment strategies.

[0874] 3. Output: Customized investment insights are generated for each user and stored in a database.

[0875] Step 4:

[0876] Game adaptation

[0877] 1. Input: Generated investment insights

[0878] 2. Server: Based on investment insights, design quests and challenges to help users learn about investing while having fun.

[0879] Specific actions: Quests are set with specific tasks and incentives (points, badges, level-ups).

[0880] 3. Output: Customized quests and challenges are generated for each user.

[0881] Step 5:

[0882] Offering quests and incentives

[0883] 1. Input: Generated quest data

[0884] 2. Server: Sends quest and challenge data to the device.

[0885] Specific action: A list of quests and detailed information will be sent as a push notification to your device.

[0886] 3. Device: Notifies the user of the quest and displays detailed information.

[0887] Specific actions: The quest screen displays buttons for joining quests and progress indicators.

[0888] 4. Output: The user is shown the quest details and encouraged to participate.

[0889] Step 6:

[0890] Quest completion and tracking

[0891] 1. Input: The user completes the quest and reports their progress.

[0892] 2. User: Complete quests and perform actions.

[0893] Specific operation: When a user completes a quest, progress information is sent from the device to the server.

[0894] 3. Output: User progress information is sent to the server.

[0895] 4. Server: Tracks user progress and awards points and badges for completed quests.

[0896] Specific operation: Progress information is updated in real time, and badges and points are immediately reflected in the user's account.

[0897] Step 7:

[0898] Managing premium services

[0899] 1. Input: The user registers for the premium service and enters their payment information.

[0900] 2. User: Sign up for the premium service and complete the payment.

[0901] Specific steps: Enter your credit card information and other details on the registration screen, and complete the payment.

[0902] 3. Output: Payment information is sent to the server, and the user is approved as a premium user.

[0903] 4. Server: Generates advanced investment insights and special quests for premium users.

[0904] Specific operation: The generated advanced investment insights are stored separately from regular insights.

[0905] 5. Device: Displays premium insights and quests with a special UI.

[0906] Specific actions: A premium-only dashboard screen will appear, allowing you to view special quests and insights.

[0907] (Application Example 1)

[0908] Next, we will explain Application Example 1. In the following explanation, the data processing device 12 will be referred to as the "server," and the smart glasses 214 will be referred to as the "terminal."

[0909] Traditional investment education systems struggle to provide customized investment strategies based on users' basic information and trading history. Furthermore, they lack elements that increase engagement for novice and casual investors. There is also a need to provide added value by offering advanced investment insights and special quests for premium users.

[0910] The specific processing performed by the specific processing unit 290 of the data processing device 12 in Application Example 1 is realized by the following means.

[0911] This invention includes a server that includes means for collecting basic user information and transaction history, means for analyzing the collected information and evaluating the user's risk tolerance and investment tendencies, means for acquiring economic news and market data and analyzing them using a generating AI, means for generating investment insights based on the analysis results and providing customized investment strategies for each user, means for gamifying investment insights and creating quests and challenges, means for tracking the user's quest completion status and providing incentives such as points and badges, means for providing advanced investment insights and special quests for premium users, and means for users to complete quests on a smartphone app and display their progress and points earned in real time. This makes it possible for novice and casual investors to learn about investing in an enjoyable way while continuously increasing their engagement.

[0912] "User basic information" refers to personal data such as age, occupation, and asset status that is entered into the investment system.

[0913] "Transaction history" refers to a record of all investment activities a user has conducted in the past.

[0914] "Risk tolerance" is an indicator that shows how much risk a user is willing to accept.

[0915] "Investment tendencies" refer to characteristics that indicate what types of investments a user prefers.

[0916] "Economic news" refers to reports that include the latest events and information related to the investment market.

[0917] "Market data" refers to numerical data related to the investment market, such as stock prices and interest rates.

[0918] "Generative AI" refers to artificial intelligence models that analyze data and generate customized investment insights.

[0919] "Investment insights" refer to investment advice and strategies customized for each user.

[0920] "Gamification" is the process of transforming educational or learning content into game elements (quests and challenges).

[0921] A "quest" refers to a specific task or mission that the user must complete.

[0922] A "challenge" is a task or trial that a user is required to undertake.

[0923] "Tracking" refers to continuously monitoring the user's progress in completing quests.

[0924] "Points" are rewards that users earn by completing quests and challenges.

[0925] A "badge" is a digital verification mark awarded to users upon completion of specific quests or challenges.

[0926] A "premium user" is a user who has subscribed to a paid service.

[0927] "Advanced investment insights" refer to providing more specialized and detailed information than basic investment advice.

[0928] "Special quests" are unique challenges or missions offered exclusively to premium users.

[0929] A "smartphone app" is a type of software that runs on a smart device.

[0930] "Real-time display" refers to a process where data is updated instantly and displayed to the user without delay.

[0931] "Progress" refers to the status of how far a user has progressed in a quest or challenge.

[0932] This invention relates to an embodiment of a personalized investment insight system that allows novice and casual investors to learn and gain investment insights in an enjoyable way. The system collects the user's basic information and trading history, analyzes it, and generates customized investment insights, which are presented in a gamified quest format.

[0933] Server role:

[0934] 1. Collection and analysis of user data:

[0935] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. Based on this data, the server evaluates the user's risk tolerance and investment tendencies.

[0936] The specific software used will include Flask and data analysis libraries (Keras, Scikit-learn).

[0937] 2. Obtaining economic news and market data:

[0938] The server regularly retrieves the latest economic news and market data from external news APIs (e.g., financialdataapi.com) and financial data providers.

[0939] This data is analyzed using a generating AI model (e.g., a model using TensorFlow / PyTorch) to extract factors that influence users.

[0940] 3. Generating investment insights:

[0941] Using a generative AI model, customized investment insights are generated for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[0942] 4. Integration of game elements:

[0943] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. It also sets up incentives such as points, badges, and level-ups.

[0944] 5. Managing premium services:

[0945] The server manages users' premium service registrations and payment information, and provides premium users with advanced investment insights and exclusive quests.

[0946] Terminal role:

[0947] 1. Providing a user interface:

[0948] The device (especially a smartphone) provides an application for the user to access the system. A form for entering basic information is displayed upon first access.

[0949] Specifically, we will use React Native and Vue.js as software.

[0950] 2. Display and interaction of game functions:

[0951] The device presents users with quests and challenges received from the server. It also includes a function to update and display the user's progress, earned points, and badges in real time.

[0952] User roles:

[0953] 1. Entering and updating information:

[0954] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[0955] 2. Learning and participation in games:

[0956] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[0957] 3. Use of premium services:

[0958] Users subscribe to the premium service and pay to access advanced investment insights and special quests.

[0959] Specific example

[0960] Specific example 1 (Risk management through quests):

[0961] A new user installs the app and enters their basic information. Because their risk tolerance is analyzed as "medium," the server displays a quest such as "This Month's Investment Quest: Purchase a specific asset to earn points."

[0962] When a user completes a quest, they are awarded points and level up.

[0963] Example 2 (Premium-only quest):

[0964] Premium users are currently utilizing advanced investment insights. Recently, the server received an insight indicating that major institutional investors are heavily investing in specific market segments, and this information is being used to improve investment strategies.

[0965] Example of a prompt:

[0966] User's age: 35

[0967] Occupation: Engineer

[0968] Asset status: Medium

[0969] Past transaction history: Purchase of stock A, sale of stock B.

[0970] Economic News: Stock prices are on an upward trend, and interest rates are falling.

[0971] This system allows novice and casual investors to learn about investing while having fun, and to sustainably increase their engagement. The premium service offers advanced insights and special quests to meet the diverse needs of users.

[0972] The flow of a specific process in Application Example 1 will be explained using Figure 12.

[0973] Step 1:

[0974] The server collects the user's basic information and transaction history. Users input basic information such as age, occupation, and financial status, as well as their past transaction history, through a smartphone app. The entered data is sent to the server and stored in the database.

[0975] Step 2:

[0976] The server analyzes the collected data to assess users' risk tolerance and investment tendencies. It uses data analysis libraries (Keras, Scikit-learn) to analyze stored user data. Generative AI models are used to predict risk tolerance and investment tendencies, and the results are saved as specific profiles for each user.

[0977] Step 3:

[0978] The server retrieves economic news and market data. It periodically calls external news APIs (e.g., financialdataapi.com) to obtain the latest economic news and market data. The retrieved data is analyzed by a generating AI to extract factors that influence the user's investment strategy.

[0979] Step 4:

[0980] The server generates investment insights based on the analysis results. Based on the analyzed economic news and market data, along with the user's risk tolerance and investment tendencies, a generating AI model produces investment insights. The generated insights are customized for each user and stored in a database.

[0981] Step 5:

[0982] The server creates quests and challenges based on investment insights. It gamifies investment insights, designing quests and challenges to allow users to learn about investing while having fun. Quests have specific tasks and goals, and offer rewards such as points and badges.

[0983] Step 6:

[0984] The device displays quests and challenges and manages user interaction. It receives quest information sent from the server and displays it on the smartphone app interface. The user's progress, points earned, and badges as they complete quests are updated and displayed in real time.

[0985] Step 7:

[0986] The server tracks the user's quest progress. It collects quest progress and user interaction data, and awards points and badges accordingly. This data is stored in a database and reflected in the user's profile.

[0987] Step 8:

[0988] Premium users will receive advanced investment insights and exclusive quests. The server handles registration and authentication for premium services, and generates and delivers expert, detailed insights and exclusive quests for premium users.

[0989] The above is a detailed explanation of the processing steps of this system.

[0990] Furthermore, an emotion engine that estimates the user's emotions may be incorporated. That is, the identification processing unit 290 may use the emotion identification model 59 to estimate the user's emotions and perform identification processing using the user's emotions.

[0991] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn investment knowledge, and incorporates an emotion engine that recognizes user emotions. The system collects and analyzes user basic information and trading history, analyzes economic news and market data to generate customized investment strategies for each user, and then presents these strategies in a gamified format. Furthermore, it recognizes the user's emotional state in real time and adjusts investment insights and quest content to provide optimal feedback to the user.

[0992] Program processing

[0993] Server Role

[0994] Collection and analysis of user data

[0995] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. This data is then analyzed to evaluate the user's risk tolerance and investment tendencies.

[0996] Obtaining economic news and market data

[0997] The server regularly retrieves the latest economic news and market data from various news APIs and financial data provision services. This data is then analyzed by a generating AI to extract factors that affect users.

[0998] Generating Investment Insights

[0999] The AI ​​generates personalized investment insights for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[1000] Integration of game elements

[1001] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. Quests are equipped with incentives such as points, badges, and level-ups.

[1002] Emotional engine integration

[1003] The server uses an emotion engine to recognize and analyze the user's emotional state in real time. Based on this, it adjusts the investment insights, quest content, and feedback provided.

[1004] Managing premium services

[1005] The server manages users' premium service registrations and payment information, and generates advanced investment insights and special quests for premium users.

[1006] Terminal role

[1007] Providing a user interface

[1008] The device (smartphone or PC) provides the app or website that allows the user to access the system. A form for entering basic information is displayed upon first access.

[1009] Display and interaction of game functions

[1010] The device displays quests and challenges received from the server to the user. It also includes a function to update and display the user's progress, earned points, and badges in real time.

[1011] Emotion recognition interface

[1012] The device recognizes the user's emotions through sensors such as the camera and microphone. The recognition results are sent to an emotion engine and analyzed on a server.

[1013] User roles

[1014] Information entry and update

[1015] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[1016] Learning and participation in games

[1017] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[1018] Use of premium services

[1019] Users subscribe to the premium service and pay to access advanced investment insights and special quests.

[1020] Specific example

[1021] Example 1: Risk management through quests

[1022] 1. Server: Collects the latest economic news and analyzes the likelihood of interest rate increases.

[1023] 2. Generative AI: Evaluates interest rate risk and identifies vulnerable users.

[1024] 3. Server: Create a quest titled "Reduce risk before the next interest rate announcement" and set a recommended action (e.g., buy bonds).

[1025] 4. Device: Sends quest notifications to the user and displays details.

[1026] 5. User: Complete quests and perform actions.

[1027] 6. Server: Tracks user progress and awards points and badges.

[1028] 7. Device: Displays earned points and badges to the user.

[1029] Example 2: Adjusting investment insights through emotion recognition

[1030] 1. User: Sends emotional states via camera and microphone while using the system.

[1031] 2. Terminal: Sends emotional data to the emotion engine in real time.

[1032] 3. Emotion Engine: Recognizes emotional states (e.g., high stress) and sends them to the server.

[1033] 4. Server: Adjusts investment insights and quest content based on recognized emotional states (e.g., suggests low-risk investments).

[1034] 5. Device: Display tailored insights and quests to the user.

[1035] As described above, this system collects and analyzes users' basic information and transaction history, and generates customized investment strategies for each user based on the latest economic news and market data. Furthermore, by gamifying the investment strategies and integrating an emotion engine, it provides investment insights and feedback tailored to the user's emotional state. By utilizing premium services, it can meet diverse user needs by providing advanced insights and special quests.

[1036] The following describes the processing flow.

[1037] Step 1:

[1038] User Registration

[1039] User: Sign up for the app or website upon first access and enter basic information (age, occupation, financial status, etc.).

[1040] Terminal: Receives the entered information and sends it to the server.

[1041] Step 2:

[1042] Data storage and initial analysis

[1043] Server: Stores basic user information in the database.

[1044] Server: Analyzes stored data to assess the user's initial risk tolerance and investment tendencies.

[1045] Step 3:

[1046] Collection of news and market data

[1047] Server: Regularly retrieves the latest economic news and market data from various news APIs and financial data provision services.

[1048] Step 4:

[1049] News Analysis

[1050] Generative AI: Analyzes collected news and market data as text to extract information likely to influence investments (e.g., interest rate fluctuations, corporate earnings).

[1051] Server: Based on the extracted information, it identifies economic factors likely to affect the user and generates multiple investment scenarios.

[1052] Step 5:

[1053] Generating Individual Investment Insights

[1054] Server: Matches user-specific data (basic information, past transaction history, risk tolerance) and selects applicable investment scenarios.

[1055] Generating AI: Based on user data, it generates investment insights to suggest recommended investment strategies and risk management measures.

[1056] Step 6:

[1057] Creating game elements

[1058] Server: Based on the generated investment insights, design quests and challenges (e.g., "Adjust your portfolio before the next interest rate hike").

[1059] Server: Quests will have incentives such as points, badges, and level-ups.

[1060] Step 7:

[1061] Quest notifications and displays

[1062] Terminal: Sends a notification to the user's screen to display a new quest.

[1063] Terminal: Displays quests and their details in a format that is easy for the user to understand.

[1064] Step 8:

[1065] User quest completion

[1066] User: Follow the provided quest and perform specific investment actions (e.g., buy or sell a specific stock).

[1067] Terminal: Records user actions and sends them to the server.

[1068] Step 9:

[1069] Acquisition of emotion recognition data

[1070] Device: Uses sensors such as cameras and microphones to acquire user emotion data.

[1071] Terminal: Transmits acquired emotion data to the emotion engine in real time.

[1072] Step 10:

[1073] Analysis and response to emotional data

[1074] Emotion Engine: Analyzes transmitted emotion data to identify the user's emotional state (e.g., high stress, agitated).

[1075] Server: Adjusts investment insights and quest content based on recognized emotional states (e.g., suggests low-risk investments).

[1076] Step 11:

[1077] Progress tracking and feedback

[1078] Server: Tracks the user's quest completion progress.

[1079] Server: Based on real-time data, it awards points and badges to users.

[1080] Device: Displays earned points, badges, and progress to the user.

[1081] Step 12:

[1082] Premium service registration and management

[1083] User: Register for the premium service and enter your payment information.

[1084] Server: Stores registration information and payment data, and authenticates premium users.

[1085] Step 13:

[1086] Premium content provision

[1087] Server: Generates advanced investment insights and special quests for premium users.

[1088] Device: Display premium content through a special interface, making it accessible to users.

[1089] (Example 2)

[1090] Next, we will describe Example 2. 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".

[1091] Traditional investment learning systems primarily provided investment strategies based on users' basic information and trading history, lacking adjustments that took into account users' emotional states and learning methods that incorporated gamification elements. As a result, it was difficult for beginners and casual users to deepen their understanding of investing or to maintain their interest and engagement. Furthermore, there was a demand for more advanced investment insights and special quests for premium service subscribers.

[1092] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means.

[1093] This invention includes a server that collects basic user information and transaction history, analyzes the collected information to evaluate the user's risk tolerance and investment tendencies, acquires the latest news and market data and analyzes it using a generating AI, generates investment insights based on the analysis results and provides customized investment strategies for each user, creates quests and challenges to gamify investment strategies, tracks the user's quest completion status and provides incentives such as points and badges, and recognizes the user's emotional state in real time and adjusts investment insights and quest content based on the recognized emotional state. This allows users to learn about investing while maintaining their interest and receive appropriate feedback according to their emotional state. Furthermore, premium users can be provided with more advanced investment insights and special quests.

[1094] "User basic information" refers to personal information provided by the user, such as age, occupation, and financial status.

[1095] "Transaction history" refers to a record of investment transactions a user has made in the past.

[1096] "Means of collection" refers to methods and technologies for receiving basic user information and transaction history and storing it in a database.

[1097] "Means of analysis" refer to methods and techniques for analyzing collected data to evaluate users' risk tolerance and investment tendencies.

[1098] "Means of acquisition" refers to methods and technologies for collecting the latest news and market data from sources such as news APIs and financial data provision services.

[1099] "Generative AI" is an artificial intelligence model that generates customized investment insights for each user based on collected and analyzed data.

[1100] "Investment insights" refer to investment strategies and advice provided to users.

[1101] "Methods of gamification" refer to methods and techniques for creating quests and challenges based on investment insights and incorporating game elements.

[1102] A "quest" is an investment-related task or mission that a user attempts to complete.

[1103] A "challenge" is an attempt or endeavor by a user to achieve a specific investment objective or goal.

[1104] "Tracking methods" refer to methods and technologies for tracking a user's quest completion status and awarding points or badges accordingly.

[1105] "Incentives" are rewards such as points, badges, and level-ups that users can earn when completing quests and challenges.

[1106] "Emotional state" refers to the user's current emotions and stress level.

[1107] "Real-time recognition methods" refer to methods and technologies that use cameras and microphones to instantly analyze and recognize a user's emotions.

[1108] "Means of adjustment" refer to methods and techniques for appropriately modifying investment insights and quest content based on the perceived emotional state of the user.

[1109] A "premium user" is a user who pays an additional fee to access advanced services and benefits.

[1110] "Means of registration and authentication" refers to the methods and technologies used to register and authenticate users as premium users.

[1111] "Advanced investment insights" refer to insights that include more specialized and detailed investment information and strategies.

[1112] "Special quests" are special investment missions and challenges prepared exclusively for premium users and are not accessible to regular users.

[1113] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn about investing. The system collects and analyzes the user's basic information and past trading history, and provides customized investment strategies using the latest news and market data. Furthermore, it gamifies the process, recognizing the user's emotions in real time and adjusting feedback accordingly to provide optimal investment insights.

[1114] Server Role

[1115] Collection and analysis of user data

[1116] The server collects basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores this information in a database. Generative AI is used to analyze the collected data and evaluate the user's risk tolerance and investment tendencies.

[1117] Specific example: When a user provides basic information such as "30 years old, salaried worker, assets of 1 million yen," the server collects this information and uses a generating AI to assess their risk tolerance as "moderate."

[1118] Obtaining economic news and market data

[1119] The server retrieves the latest economic news and market data from news APIs (e.g., Google News API) and financial data providers (e.g., Alpha Vantage). This data is then analyzed by a generative AI to extract factors that may affect the user.

[1120] Specific example: The server retrieves information about "the risk of rising interest rates" from a news API, analyzes it using a generating AI, and presents the user with the conclusion that "the risk of rising interest rates is increasing."

[1121] Generating Investment Insights

[1122] Generating Investment Insights

[1123] The server uses AI to generate personalized investment insights for each user, based on user data, economic news, and market data analysis results. These insights are stored in a database and provided to the user.

[1124] Specific example: The generating AI creates an insight suggesting a "bond purchase" to a 30-year-old salaried user, taking into account the risk of rising interest rates.

[1125] Integration of game elements

[1126] Gamified quest generation

[1127] Based on the generated investment insights, the server designs quests and challenges that users can enjoy, incorporating game elements. Quests are equipped with incentives such as points, badges, and level-ups.

[1128] Specific example: The server generates a quest that says "Reduce risk before the next interest rate announcement" and sets "Buy bonds" as the recommended action.

[1129] Emotional engine integration

[1130] Recognizing the user's emotional state

[1131] The device uses its camera and microphone to recognize the user's emotional state in real time. This emotional data is sent to a server and analyzed by an emotion engine. Based on the analysis results, investment insights and quest content are adjusted.

[1132] Specific example: If a user experiences stress through the camera or microphone while using the system, the emotion engine recognizes this, and the server provides low-risk investment insights.

[1133] Managing premium services

[1134] The server manages premium user registration and payment information, and provides premium users with advanced investment insights and special quests.

[1135] Specific example: Premium users are offered "special quests on complex options trading" and "advanced investment analysis reports."

[1136] Example of a prompt

[1137] "Please describe in detail a scenario in which a 30-year-old office worker enters basic information and carries out a risk management quest involving bond purchases."

[1138] "Explain how the emotion engine and servers provide low-risk investment insights when users experience stress while using the system."

[1139] The above describes the specific embodiments for carrying out this invention.

[1140] The flow of the specific processing in Example 2 will be explained using Figure 13.

[1141] Program processing flow

[1142] Collection and analysis of user data

[1143] Step 1:

[1144] The server sends a request to the terminal to display the user's basic information input form.

[1145] Input: Request from the device during the first access.

[1146] Output: Request to display the basic information input form

[1147] Specific operation: The server sends an API call to the terminal, instructing it to "display the basic information form."

[1148] Step 2:

[1149] The device displays a basic information input form to the user.

[1150] Input: API request from server

[1151] Output: Display of the basic information input form screen

[1152] Specific operation: The device displays input fields on the screen for age, occupation, asset status, etc.

[1153] Step 3:

[1154] The user enters basic information (e.g., age, occupation, financial status) and presses the submit button.

[1155] Input: Basic information (e.g., "30 years old", "Salaried worker", "Assets of 1 million yen")

[1156] Output: Sending basic information to the server

[1157] Specific action: The user enters information into the form and clicks the submit button.

[1158] Step 4:

[1159] The server receives basic information sent by the user and stores it in the database.

[1160] Input: Basic information submitted by the user

[1161] Output: Saving data to the database

[1162] Specific operation: The server verifies the received data and saves it to the database.

[1163] Step 5:

[1164] The server sends stored basic information to a generating AI, which then evaluates the user's risk tolerance and investment tendencies.

[1165] Input: Basic user information stored in the database

[1166] Output: Assessment results of risk tolerance and investment tendencies

[1167] Specific operation: The server sends data to the generating AI, which evaluates the risk tolerance (e.g., "moderate") and investment tendencies.

[1168] Obtaining economic news and market data

[1169] Step 6:

[1170] The server periodically retrieves data from news APIs and financial data provision services.

[1171] Input: Periodic data retrieval request

[1172] Output: Latest economic news and market data

[1173] Specific operation: The server sends requests to news APIs and financial data providers to retrieve data.

[1174] Step 7:

[1175] The server sends the acquired data to the generating AI for analysis.

[1176] Input: Acquired economic news and market data

[1177] Output: Analysis results (e.g., "There is a high risk of interest rates rising")

[1178] Specific operation: The server sends news and market data to a generating AI, which then analyzes it.

[1179] Generating Investment Insights

[1180] Step 8:

[1181] The server requests the AI ​​to generate investment insights based on user data, economic news, and market data analysis results.

[1182] Input: User's basic information, analyzed economic news, market data

[1183] Output: Customized investment insights

[1184] Specific operation: The server sends an instruction to the generating AI: "Generate investment insights for this user."

[1185] Step 9:

[1186] The generating AI creates investment insights by taking into account the user's risk tolerance and investment tendencies.

[1187] Input: Data sent from the server

[1188] Output: Customized investment insights (e.g., "Recommends purchasing bonds considering the risk of rising interest rates")

[1189] Specific operation: The generating AI analyzes data and generates optimal investment insights.

[1190] Step 10:

[1191] The server stores the generated investment insights in a database and prepares them to be provided to users.

[1192] Input: Investment insights generated by AI

[1193] Output: Saving insights to the database, preparing them for user delivery.

[1194] Specific operation: The server saves the investment insights received from the generated AI to a database.

[1195] Integration of game elements

[1196] Step 11:

[1197] Based on the generated investment insights, the server creates quests and challenges that users can enjoy.

[1198] Input: Generated investment insights

[1199] Output: Generation of quests and challenges

[1200] Specific operation: The server creates a quest such as "Set up bond purchases to mitigate interest rate risk as the next quest."

[1201] Step 12:

[1202] The server sets up incentives for quests, such as points, badges, and level-ups.

[1203] Input: Created quest

[1204] Output: Setting incentives associated with quests

[1205] Specific operation: The server sets incentives such as points and badges for quests.

[1206] Step 13:

[1207] The server sends the generated quest to the terminal and notifies the user.

[1208] Input: Created quests and incentives

[1209] Output: Notification to the user

[1210] Specific operation: The server sends an API call to the terminal, notifying it of a new quest and its details.

[1211] Emotional engine integration

[1212] Step 14:

[1213] The device uses a camera and microphone to recognize the user's emotional state in real time.

[1214] Input: Emotional data from camera and microphone

[1215] Output: Recognized emotional state

[1216] Specific operation: The device analyzes the user's facial expressions and voice to recognize their emotional state in real time.

[1217] Step 15:

[1218] The device sends the recognized emotion data to the emotion engine.

[1219] Input: Recognized emotional state

[1220] Output: Sending data to the emotion engine

[1221] Specific operation: The device sends the recognized emotion data to the server.

[1222] Step 16:

[1223] The emotion engine analyzes emotional states and adjusts investment insights and quest content accordingly.

[1224] Input: Sentiment data

[1225] Output: Adjusted investment insights and quest content

[1226] Specific operation: The emotion engine analyzes data and adjusts it to appropriate investment insights and quest content.

[1227] Step 17:

[1228] The server sends tailored insights and quests to the device and displays them to the user.

[1229] Input: Adjusted insights and quests

[1230] Output: Display to the user

[1231] Specific operation: The server sends the adjusted content to the terminal, allowing the user to view it on the screen.

[1232] Managing premium services

[1233] Step 18:

[1234] Users enter their information on the premium service registration screen and make a payment.

[1235] Input: User registration information and payment information

[1236] Output: Sending data to the server

[1237] Specific action: The user enters credit card information and completes the payment.

[1238] Step 19:

[1239] The server stores premium users' registration and payment information in a database.

[1240] Input: User registration information and payment information

[1241] Output: Save to database

[1242] Specific operation: The server verifies the received information and saves it to the database.

[1243] Step 20:

[1244] The server generates advanced investment insights and special quests for premium users and sends them to their devices.

[1245] Input: Premium user data, AI-generated analysis data

[1246] Output: Advanced investment insights and special quests

[1247] Specific operation: The server generates and sends to the terminal "special quests on complex options trading" and "advanced investment analysis reports" for premium users.

[1248] The above outlines the specific processing steps of this system.

[1249] (Application Example 2)

[1250] Next, we will explain application example 2. In the following explanation, the data processing device 12 will be referred to as the "server," and the smart glasses 214 will be referred to as the "terminal."

[1251] Traditional personal investment systems have faced challenges such as users' lack of knowledge and judgment errors stemming from emotions. Therefore, there is a need for a system that allows users to learn about investments in an enjoyable way while receiving appropriate feedback in real time. Furthermore, there has been a lack of flexible investment insights tailored to users' emotional states, and the enhancement of engagement through gamification of investing has been insufficient.

[1252] In Application Example 2, the specific processing performed by the specific processing unit 290 of the data processing device 12 is realized by the following means. In this invention, the server includes means for collecting the user's basic information and transaction history, means for analyzing the collected information and evaluating the user's risk tolerance and investment tendencies, means for acquiring economic news and market data and analyzing them with a generating AI, means for generating investment insights based on the analysis results and providing a customized investment strategy for each user, means for gamifying the investment insights and creating quests and challenges, means for tracking the user's quest completion status and providing incentives such as points and badges, an emotion engine that recognizes the user's emotional state and analyzes it in real time, means for adjusting investment insights and quest content based on the recognized emotional state, means for displaying the emotion recognition results on the user interface, means for presenting risk reduction measures based on market data and emotional state, and means for being installed in smart glasses. This makes it possible for users to learn investment knowledge in an enjoyable way while receiving appropriate investment strategies and feedback according to their emotional state.

[1253] "User basic information" refers to data that shows the basic characteristics of each investor, such as age, occupation, and asset status.

[1254] "Transaction history" refers to a record of investment transactions a user has made in the past, and includes data such as the date, time, amount, and quantity of asset purchases and sales.

[1255] "Generative AI" refers to artificial intelligence that analyzes data and generates customized investment insights for each user.

[1256] "Investment insights" refer to the insights and advice that users have regarding their investment activities, and include specific investment strategies and risk management methods.

[1257] An "emotion engine" refers to the technology and devices used to recognize and analyze a user's emotional state in real time.

[1258] "Smart glasses" are glasses-type wearable devices that display information and overlay digital content onto the user's field of vision.

[1259] A "quest" refers to a mission or challenge that the user must complete, and is provided as a game element.

[1260] "Points and badges" refer to rewards and titles that users can earn by completing quests, and are used to increase user motivation.

[1261] An "investment strategy" refers to a plan or policy for a user to increase their assets, and includes risk management and the selection of investment targets.

[1262] "Risk reduction measures" refer to actions and advice aimed at minimizing the impact of market fluctuations.

[1263] "Economic news and market data" refers to information that shows the current economic situation and market trends, and includes financial news, indicators, stock prices, etc.

[1264] "Emotion recognition results" refer to data that shows the user's emotional state as analyzed by the emotion engine.

[1265] This invention relates to a personal investment insight system implemented through an application installed on smart glasses. The system consists of three main components: a server, a user terminal (smart glasses), and the user.

[1266] Server Role

[1267] The server includes the following measures:

[1268] 1. Collection and analysis of user data

[1269] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. This data is then analyzed to evaluate the user's risk tolerance and investment tendencies.

[1270] 2. Obtaining economic news and market data

[1271] The server regularly retrieves the latest economic news and market data from various news APIs and financial data provision services. This data is then analyzed using AI to extract factors that influence users.

[1272] 3. Generating investment insights

[1273] The AI ​​generates personalized investment insights for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[1274] 4. Integration of game elements

[1275] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. Quests are equipped with incentives such as points, badges, and level-ups.

[1276] 5. Integration of the Emotional Engine

[1277] The server uses an emotion engine to recognize and analyze the user's emotional state in real time. Based on this, it adjusts the investment insights, quest content, and feedback provided.

[1278] 6. Display of emotion recognition results

[1279] The server displays the results of the user's emotion recognition on the user interface, which can be used as a reference for investment decisions and quest progression.

[1280] 7. Presentation of risk reduction measures

[1281] The server proposes risk reduction measures to the user based on market data and sentiment.

[1282] Terminal role

[1283] Smart glasses as a device include the following means:

[1284] Providing a user interface

[1285] Smart glasses provide an interface for the user to access the system. A form for entering basic information is displayed upon initial access.

[1286] Display and interaction of game functions

[1287] The smart glasses display quests and challenges received from the server to the user. This also includes a feature that updates and displays the user's progress, earned points, and badges in real time.

[1288] Emotion recognition interface

[1289] The smart glasses recognize the user's emotions through sensors such as the camera and microphone. The recognition results are sent to an emotion engine and analyzed on a server.

[1290] User roles

[1291] The user operates the system as follows:

[1292] Information entry and update

[1293] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[1294] Learning and participation in games

[1295] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[1296] Adding specific examples

[1297] For example, if a user is experiencing stress, the server recognizes this through its emotion engine and suggests a low-risk investment strategy. The user then receives real-time feedback through smart glasses, enabling them to take risk reduction measures.

[1298] Example of a prompt

[1299] Please provide investment suggestions for users who are experiencing stress. Specific examples of low-risk investments tailored to the user's emotional state should be given.

[1300] The flow of a specific process in Application Example 2 will be explained using Figure 14.

[1301] Step 1:

[1302] server

[1303] The system collects and inputs basic user information and transaction history. The entered data is stored in a database on the server. This data is used as foundational information to evaluate the user's risk tolerance and investment tendencies.

[1304] Step 2:

[1305] server

[1306] We acquire economic news and market data from external sources. We regularly ingest the latest economic news and market indicators through news APIs and financial data provision services. This data is then passed to a generating AI to serve as input for analysis.

[1307] Step 3:

[1308] server

[1309] This system analyzes economic news and market data collected using generative AI. It integrates the user's basic information and trading history, generating investment insights based on the analysis results. The output is a customized investment strategy and advice tailored to the specific user.

[1310] Step 4:

[1311] server

[1312] The game integrates investment insights as a game element. Quests and challenges are designed based on the generated insights. Quests are equipped with incentives such as points, badges, and level-ups. This information is sent to the user's device.

[1313] Step 5:

[1314] Device (smart glasses)

[1315] The system displays received quests and challenges to the user. It also updates and displays the user's progress, earned points, and badges in real time. Based on the displayed information, the user decides on their next action.

[1316] Step 6:

[1317] Device (smart glasses)

[1318] Sensors such as cameras and microphones are used to recognize the user's emotional state. This emotional data is acquired in real time and sent to a server. The recognition results are analyzed by an emotion engine.

[1319] Step 7:

[1320] server

[1321] The system analyzes the acquired emotional state and provides optimal feedback to the user. Based on the analysis results of the emotion engine, it adjusts investment insights, tutorials, and quest content. If the user's emotional state is stressed, it suggests low-risk investment strategies, etc.

[1322] Step 8:

[1323] server

[1324] Optimized investment insights and quest objectives are displayed in the user interface to provide feedback. This allows users to take actions that align with their emotional state.

[1325] Step 9:

[1326] User

[1327] Players execute investment strategies and game quests. They input their progress and advance to the next stage. Points and badges acquired are updated and recorded. Users can view the results of their actions in real time and plan their next moves.

[1328] Step 10:

[1329] server

[1330] The system tracks users' quest completion progress and provides incentives such as points and badges. Progress data is updated in real time and provided to users as feedback. This increases engagement in investment learning.

[1331] 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 user input for the result of the specific processing. The control unit 46A transmits the audio data indicating user input acquired by the microphone 238 to the data processing unit 12. In the data processing unit 12, the specific processing unit 290 acquires the audio data.

[1332] Data generation model 58 is a type of so-called generative AI (Artificial Intelligence). One example of data generation model 58 is ChatGPT (Internet search<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search) <url: https: gemini.google.com ?hl="ja">Examples of generative AI include the following. The data generation model 58 is obtained by performing deep learning on a neural network. The data generation model 58 is input with prompts containing instructions, and with inference data such as audio data representing speech, text data representing text, and image data representing images. The data generation model 58 infers from the input inference data according to the instructions indicated by the prompts, and outputs the inference results in data formats such as audio data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization.

[1333] In the above embodiment, an example was given in which specific processing is performed by the data processing device 12, but the technology of this disclosure is not limited thereto, and the specific processing may also be performed by the smart glasses 214.

[1334] [Third Embodiment]

[1335] Figure 5 shows an example of the configuration of the data processing system 310 according to the third embodiment.

[1336] As shown in Figure 5, the data processing system 310 includes a data processing device 12 and a headset terminal 314. An example of the data processing device 12 is a server.

[1337] The data processing device 12 comprises a computer 22, a database 24, and a communication interface 26. The computer 22 is an example of a "computer" related to the technology of this disclosure. The computer 22 comprises a processor 28, RAM 30, and storage 32. The processor 28, RAM 30, and storage 32 are connected to a bus 34. The database 24 and the communication interface 26 are also connected to the bus 34. The communication interface 26 is connected to a network 54. An example of the network 54 is a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[1338] The headset terminal 314 includes a computer 36, a microphone 238, a speaker 240, a camera 42, a communication interface 44, and a display 343. The computer 36 includes a processor 46, RAM 48, and storage 50. The processor 46, RAM 48, and storage 50 are connected to a bus 52. The microphone 238, speaker 240, camera 42, and display 343 are also connected to the bus 52.

[1339] The microphone 238 receives voice signals from the user 20 and receives instructions from the user 20. The microphone 238 captures the voice signals from the user 20, converts the captured voice into audio data, and outputs it to the processor 46. The speaker 240 outputs audio according to the instructions from the processor 46.

[1340] Camera 42 is a small digital camera equipped with an optical system including a lens, aperture, and shutter, and an image sensor such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor, and captures images of the area around the user 20 (for example, an imaging range defined by a field of view equivalent to the width of a typical healthy person's field of vision).

[1341] Communication interface 44 is connected to network 54. Communication interfaces 44 and 26 are responsible for the exchange of various information between processor 46 and processor 28 via network 54. The exchange of various information between processor 46 and processor 28 using communication interfaces 44 and 26 is performed in a secure manner.

[1342] Figure 6 shows an example of the main functions of the data processing device 12 and the headset terminal 314. As shown in Figure 6, the data processing device 12 performs specific processing using the processor 28. The storage 32 stores the specific processing program 56.

[1343] The specific processing program 56 is an example of a "program" relating to the technology of this 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.

[1344] The storage 32 stores the data generation model 58 and the emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[1345] In the headset terminal 314, the processor 46 performs the reception output processing. The storage 50 stores the reception output program 60. 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 processing is realized by the processor 46 operating as a control unit 46A according to the reception output program 60 executed on the RAM 48.

[1346] Next, the specific processing performed by the specific processing unit 290 of the data processing device 12 will be described. In the following description, the data processing device 12 will be referred to as the "server" and the headset terminal 314 will be referred to as the "terminal".

[1347] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn about investing. The system collects and analyzes users' basic information and trading history, analyzes economic news and market data to generate customized investment strategies for each user, and presents these strategies in a gamified format. Furthermore, it offers advanced investment insights and special quests for premium users.

[1348] Program processing

[1349] Server Role

[1350] Collection and analysis of user data

[1351] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. This data is then analyzed to evaluate the user's risk tolerance and investment tendencies.

[1352] Obtaining economic news and market data

[1353] The server regularly retrieves the latest economic news and market data from various news APIs and financial data providers. This data is then analyzed by a generating AI to extract factors that influence users.

[1354] Generating Investment Insights

[1355] The AI ​​generates personalized investment insights for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[1356] Integration of game elements

[1357] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. Quests are equipped with incentives such as points, badges, and level-ups.

[1358] Managing premium services

[1359] The server manages users' premium service registrations and payment information, and generates advanced investment insights and special quests for premium users.

[1360] Terminal role

[1361] Providing a user interface

[1362] The device (smartphone or PC) provides the app or website that allows the user to access the system. A form for entering basic information is displayed upon first access.

[1363] Display and interaction of game functions

[1364] The device displays quests and challenges received from the server to the user. It also includes a function to update and display the user's progress, earned points, and badges in real time.

[1365] User roles

[1366] Information entry and update

[1367] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[1368] Learning and participation in games

[1369] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[1370] Use of premium services

[1371] Users subscribe to the premium service and pay to access advanced investment insights and special quests.

[1372] Specific example

[1373] Example 1: Risk management through quests

[1374] 1. Server: Collects the latest economic news and analyzes the likelihood of interest rate increases.

[1375] 2. Generative AI: Evaluates interest rate risk and identifies vulnerable users.

[1376] 3. Server: Create a quest titled "Reduce risk before the next interest rate announcement" and set a recommended action (e.g., buy bonds).

[1377] 4. Device: Sends quest notifications to the user and displays details.

[1378] 5. User: Complete quests and perform actions.

[1379] 6. Server: Tracks user progress and awards points and badges.

[1380] 7. Device: Displays earned points and badges to the user.

[1381] Example 2: Premium-only quests

[1382] 1. User: Sign up for the premium service and complete the payment.

[1383] 2. Server: Analyzes and provides advanced investment insights for premium users (e.g., trends of major institutional investors).

[1384] 3. Device: Premium Insights will be displayed with a special UI.

[1385] 4. User: Implement investment strategies based on the insights provided.

[1386] As described above, this system collects and analyzes users' basic information and transaction history, and generates customized investment strategies for each user based on the latest economic news and market data. By providing these investment strategies in a gamified format, it can increase engagement among novice and casual investors. Furthermore, by offering advanced insights and special quests through premium services, it can meet the diverse needs of users.

[1387] The following describes the processing flow.

[1388] Step 1:

[1389] User Registration

[1390] User: Sign up for the app or website upon first access and enter basic information (age, occupation, financial status, etc.).

[1391] Terminal: Receives the entered information and sends it to the server.

[1392] Step 2:

[1393] Data storage and initial analysis

[1394] Server: Stores basic user information in the database.

[1395] Server: Analyzes stored data to assess the user's initial risk tolerance and investment tendencies.

[1396] Step 3:

[1397] Collection of news and market data

[1398] Server: Regularly retrieves the latest economic news and market data from various news APIs and financial data provision services.

[1399] Step 4:

[1400] News Analysis

[1401] Generative AI: Analyzes collected news and market data as text to extract information likely to influence investments (e.g., interest rate fluctuations, corporate earnings).

[1402] Server: Generates multiple investment scenarios based on the extracted information.

[1403] Step 5:

[1404] Generating Individual Investment Insights

[1405] Server: Matches user-specific data (basic information, past trading history, risk tolerance) to generate individual investment insights.

[1406] Generative AI: Based on user data, it suggests recommended investment strategies and risk management measures.

[1407] Step 6:

[1408] Creating game elements

[1409] Server: Based on the generated investment insights, design quests and challenges (e.g., "Adjust your portfolio before the next interest rate hike").

[1410] Server: Quests will have incentives such as points, badges, and level-ups.

[1411] Step 7:

[1412] Quest notifications and displays

[1413] Terminal: Sends a notification to the user's screen to display a new quest.

[1414] Terminal: Displays quests and their details in a format that is easy for the user to understand.

[1415] Step 8:

[1416] User quest completion

[1417] User: Follow the provided quest and perform specific investment actions (e.g., buy or sell a specific stock).

[1418] Terminal: Records user actions and sends them to the server.

[1419] Step 9:

[1420] Progress tracking and feedback

[1421] Server: Updates the user's progress based on the received data.

[1422] Device: Displays progress, earned points, and badges to the user in real time.

[1423] Step 10:

[1424] Premium service registration and management

[1425] User: Register for the premium service and enter your payment information.

[1426] Server: Stores registration information and payment data, and authenticates premium users.

[1427] Step 11:

[1428] Premium content provision

[1429] Server: Generates advanced investment insights and special quests for premium users.

[1430] Device: Display premium content through a special interface, making it accessible to users.

[1431] (Example 1)

[1432] Next, we will describe Example 1. 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."

[1433] Traditional investment learning systems have made it difficult for novice and casual investors to efficiently acquire investment knowledge and increase their engagement. Furthermore, they lacked educational methods that included customized investment strategies and incentives for each user, rather than simply providing information. Additionally, the limited availability of advanced insights and special quests for premium users made deeper learning difficult.

[1434] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 1 is realized by the following means.

[1435] This invention includes a server that includes means for collecting basic user information and transaction history, means for analyzing the collected information and evaluating the user's risk tolerance and investment tendencies, means for acquiring economic news and market data and analyzing them using a generating AI, means for generating investment insights based on the analysis results and providing customized investment strategies for each user, means for gamifying investment insights and creating quests and challenges, means for tracking the user's quest completion status and providing incentives such as points and badges, means for generating advanced investment insights and special quests for premium users, and means for providing a user interface that displays information on quests, progress, points earned, and badges in real time on the terminal. This makes it possible for novice and casual investors to deepen their investment knowledge efficiently and enjoyably through customized investment learning and a gamified experience for each user.

[1436] "User basic information" refers to information about the user's personal attributes, such as age, occupation, and financial status.

[1437] "Transaction history" refers to a record of investments and transactions that a user has made in the past.

[1438] "Generative AI" refers to artificial intelligence that uses machine learning algorithms to analyze data and generate investment insights.

[1439] "Economic news" refers to news that provides the latest information on financial markets, economic trends, economic policies, and other related topics.

[1440] "Market data" refers to various types of data related to financial markets, such as stock prices, bond prices, and exchange rates.

[1441] "Investment Insights" refers to investment insights and advice provided to users based on the results of analysis by generated AI.

[1442] A "customized investment strategy" refers to an investment approach that is individually tailored based on each user's risk tolerance and investment tendencies.

[1443] "Gamification" is the process of incorporating game elements into investment insights or quests to engage users and promote learning.

[1444] A "quest" is a specific task or challenge that users undertake, designed as part of their investment learning experience.

[1445] A "challenge" is an initiative or task that the user must accomplish, with the aim of acquiring investment knowledge.

[1446] "Points" are rewards that users earn by completing quests.

[1447] A "badge" is a title or emblem that a user can earn by completing specific quests or challenges.

[1448] An "incentive" is a reward or reward that motivates users to complete quests or challenges.

[1449] A "premium user" is a user who subscribes to a paid service and can use additional benefits and services.

[1450] "Advanced investment insights" refer to deeper analysis and more detailed investment information provided to premium users.

[1451] "Special quests" are challenges designed for premium users, containing more advanced content than regular quests.

[1452] A "user interface" refers to the screens and operating methods that a user uses when interacting with a system.

[1453] "Real-time display" means that data and information are updated instantly and displayed to the user immediately.

[1454] Modes for carrying out the invention

[1455] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn about investing. The system collects and analyzes user basic information and trading history, and analyzes economic news and market data to generate customized investment strategies for each user. In addition, the generated investment strategies are presented as gamified elements to increase user motivation. Furthermore, advanced investment insights and special quests are offered to premium users.

[1456] System Configuration

[1457] 1. Server Role

[1458] Collection and analysis of user data

[1459] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. A dedicated module then operates to analyze this data and evaluate the user's risk tolerance and investment tendencies.

[1460] Obtaining economic news and market data

[1461] The server retrieves the latest economic news and market data from economic news APIs such as NewsAPI and Bloomberg, as well as from financial data providers.

[1462] Generating Investment Insights

[1463] Using a generative AI model, customized investment insights are generated for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[1464] Integration of game elements

[1465] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. Quests are equipped with incentives such as points, badges, and level-ups.

[1466] Managing premium services

[1467] The server features modules for generating advanced investment insights and special quests for premium users.

[1468] 2. The role of the terminal

[1469] Providing a user interface

[1470] The device (smartphone or PC) provides the app or website that allows the user to access the system. A form for entering basic information is displayed upon first access.

[1471] Display and interaction of game functions

[1472] The device displays quests and challenges received from the server to the user. This includes features that update and display the user's progress, earned points, and badges in real time.

[1473] 3. User Roles

[1474] Information entry and update

[1475] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[1476] Learning and participation in games

[1477] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[1478] Use of premium services

[1479] Users subscribe to the premium service and pay to access advanced investment insights and special quests.

[1480] Specific example

[1481] Example 1: Risk management through quests

[1482] 1. Server: Collects the latest economic news and analyzes the likelihood of interest rate increases.

[1483] 2. Generative AI: Evaluates interest rate risk and identifies vulnerable users.

[1484] 3. Server: Create a quest titled "Reduce risk before the next interest rate announcement" and set a recommended action (e.g., buy bonds).

[1485] 4. Device: Sends quest notifications to the user and displays details.

[1486] 5. User: Complete quests and perform actions.

[1487] 6. Server: Tracks user progress and awards points and badges.

[1488] 7. Device: Displays earned points and badges to the user.

[1489] Example 2: Premium-only quests

[1490] 1. User: Sign up for the premium service and complete the payment.

[1491] 2. Server: Analyzes and provides advanced investment insights for premium users (e.g., trends of major institutional investors).

[1492] 3. Device: Premium Insights will be displayed with a special UI.

[1493] 4. User: Implement investment strategies based on the insights provided.

[1494] Example of a prompt

[1495] 1. Collection of user data:

[1496] "Receive basic user information and past transaction history, and store it in a database. Analyze the user's risk tolerance and investment tendencies."

[1497] 2. Obtaining economic news:

[1498] "Retrieve the latest economic news from NewsAPI and Bloomberg, and analyze it using a generating AI. Extract the factors that influence users."

[1499] 3. Quest generation:

[1500] "Create a quest on the server titled 'Reduce Risk Before the Next Interest Rate Announcement,' and set bond purchases as the recommended action."

[1501] As described above, this system collects and analyzes users' basic information and transaction history, and generates and provides customized investment strategies and quests based on the latest economic news and market data. This allows novice investors and casual users to deepen their investment knowledge efficiently while having fun.

[1502] The flow of the specific processing in Example 1 will be explained using Figure 11.

[1503] Step 1:

[1504] User data collection

[1505] 1. Input: The user enters basic information (age, occupation, financial status, etc.) into the device.

[1506] 2. Terminal: Display a basic information input form to the user and prompt them to enter their information.

[1507] Specific operation: When a user enters information into a form, the device sends it to the server in real time.

[1508] 3. Output: The entered basic information is sent to the server.

[1509] 4. Server: The server saves the received user's basic information to the database and instructs the user to enter additional information (past transaction history).

[1510] Specific operation: Data stored in the database is used for subsequent analysis.

[1511] 5. Input: The user enters their past transaction history into the terminal.

[1512] 6. Output: The transaction history is sent to the server and stored in the database.

[1513] Step 2:

[1514] Obtaining economic news and market data

[1515] 1. Input: The server accesses endpoints for economic news APIs such as NewsAPI and Bloomberg.

[1516] 2. Server: Obtain the latest information from economic news APIs such as NewsAPI and Bloomberg.

[1517] Specific operation: A periodic cloning job runs on the server, fetching data from an external API.

[1518] 3. Output: The acquired economic news and market data are saved on the server.

[1519] Step 3:

[1520] Generating Investment Insights

[1521] 1. Input: Saved user data (basic information, transaction history) and acquired economic news and market data.

[1522] 2. Server: Uses a generative AI model to generate customized investment insights for each user.

[1523] Specific operation: The generative AI uses machine learning algorithms to analyze user data and market data to derive future investment strategies.

[1524] 3. Output: Customized investment insights are generated for each user and stored in a database.

[1525] Step 4:

[1526] Game adaptation

[1527] 1. Input: Generated investment insights

[1528] 2. Server: Based on investment insights, design quests and challenges to help users learn about investing while having fun.

[1529] Specific actions: Quests are set with specific tasks and incentives (points, badges, level-ups).

[1530] 3. Output: Customized quests and challenges are generated for each user.

[1531] Step 5:

[1532] Offering quests and incentives

[1533] 1. Input: Generated quest data

[1534] 2. Server: Sends quest and challenge data to the device.

[1535] Specific action: A list of quests and detailed information will be sent as a push notification to your device.

[1536] 3. Device: Notifies the user of the quest and displays detailed information.

[1537] Specific actions: The quest screen displays buttons for joining quests and progress indicators.

[1538] 4. Output: The user is shown the quest details and encouraged to participate.

[1539] Step 6:

[1540] Quest completion and tracking

[1541] 1. Input: The user completes the quest and reports their progress.

[1542] 2. User: Complete quests and perform actions.

[1543] Specific operation: When a user completes a quest, progress information is sent from the device to the server.

[1544] 3. Output: User progress information is sent to the server.

[1545] 4. Server: Tracks user progress and awards points and badges for completed quests.

[1546] Specific operation: Progress information is updated in real time, and badges and points are immediately reflected in the user's account.

[1547] Step 7:

[1548] Managing premium services

[1549] 1. Input: The user registers for the premium service and enters their payment information.

[1550] 2. User: Sign up for the premium service and complete the payment.

[1551] Specific steps: Enter your credit card information and other details on the registration screen, and complete the payment.

[1552] 3. Output: Payment information is sent to the server, and the user is approved as a premium user.

[1553] 4. Server: Generates advanced investment insights and special quests for premium users.

[1554] Specific operation: The generated advanced investment insights are stored separately from regular insights.

[1555] 5. Device: Displays premium insights and quests with a special UI.

[1556] Specific actions: A premium-only dashboard screen will appear, allowing you to view special quests and insights.

[1557] (Application Example 1)

[1558] Next, we will explain Application Example 1. In the following explanation, 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."

[1559] Traditional investment education systems struggle to provide customized investment strategies based on users' basic information and trading history. Furthermore, they lack elements that increase engagement for novice and casual investors. There is also a need to provide added value by offering advanced investment insights and special quests for premium users.

[1560] The specific processing performed by the specific processing unit 290 of the data processing device 12 in Application Example 1 is realized by the following means.

[1561] This invention includes a server that includes means for collecting basic user information and transaction history, means for analyzing the collected information and evaluating the user's risk tolerance and investment tendencies, means for acquiring economic news and market data and analyzing them using a generating AI, means for generating investment insights based on the analysis results and providing customized investment strategies for each user, means for gamifying investment insights and creating quests and challenges, means for tracking the user's quest completion status and providing incentives such as points and badges, means for providing advanced investment insights and special quests for premium users, and means for users to complete quests on a smartphone app and display their progress and points earned in real time. This makes it possible for novice and casual investors to learn about investing in an enjoyable way while continuously increasing their engagement.

[1562] "User basic information" refers to personal data such as age, occupation, and asset status that is entered into the investment system.

[1563] "Transaction history" refers to a record of all investment activities a user has conducted in the past.

[1564] "Risk tolerance" is an indicator that shows how much risk a user is willing to accept.

[1565] "Investment tendencies" refer to characteristics that indicate what types of investments a user prefers.

[1566] "Economic news" refers to reports that include the latest events and information related to the investment market.

[1567] "Market data" refers to numerical data related to the investment market, such as stock prices and interest rates.

[1568] "Generative AI" refers to artificial intelligence models that analyze data and generate customized investment insights.

[1569] "Investment insights" refer to investment advice and strategies customized for each user.

[1570] "Gamification" is the process of transforming educational or learning content into game elements (quests and challenges).

[1571] A "quest" refers to a specific task or mission that the user must complete.

[1572] A "challenge" is a task or trial that a user is required to undertake.

[1573] "Tracking" refers to continuously monitoring the user's progress in completing quests.

[1574] "Points" are rewards that users earn by completing quests and challenges.

[1575] A "badge" is a digital verification mark awarded to users upon completion of specific quests or challenges.

[1576] A "premium user" is a user who has subscribed to a paid service.

[1577] "Advanced investment insights" refer to providing more specialized and detailed information than basic investment advice.

[1578] "Special quests" are unique challenges or missions offered exclusively to premium users.

[1579] A "smartphone app" is a type of software that runs on a smart device.

[1580] "Real-time display" refers to a process where data is updated instantly and displayed to the user without delay.

[1581] "Progress" refers to the status of how far a user has progressed in a quest or challenge.

[1582] This invention relates to an embodiment of a personalized investment insight system that allows novice and casual investors to learn and gain investment insights in an enjoyable way. The system collects the user's basic information and trading history, analyzes it, and generates customized investment insights, which are presented in a gamified quest format.

[1583] Server role:

[1584] 1. Collection and analysis of user data:

[1585] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. Based on this data, the server evaluates the user's risk tolerance and investment tendencies.

[1586] The specific software used will include Flask and data analysis libraries (Keras, Scikit-learn).

[1587] 2. Obtaining economic news and market data:

[1588] The server regularly retrieves the latest economic news and market data from external news APIs (e.g., financialdataapi.com) and financial data providers.

[1589] This data is analyzed using a generating AI model (e.g., a model using TensorFlow / PyTorch) to extract factors that influence users.

[1590] 3. Generating investment insights:

[1591] Using a generative AI model, customized investment insights are generated for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[1592] 4. Integration of game elements:

[1593] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. It also sets up incentives such as points, badges, and level-ups.

[1594] 5. Managing premium services:

[1595] The server manages users' premium service registrations and payment information, and provides premium users with advanced investment insights and exclusive quests.

[1596] Terminal role:

[1597] 1. Providing a user interface:

[1598] The device (especially a smartphone) provides an application for the user to access the system. A form for entering basic information is displayed upon first access.

[1599] Specifically, we will use React Native and Vue.js as software.

[1600] 2. Display and interaction of game functions:

[1601] The device presents users with quests and challenges received from the server. It also includes a function to update and display the user's progress, earned points, and badges in real time.

[1602] User roles:

[1603] 1. Entering and updating information:

[1604] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[1605] 2. Learning and participation in games:

[1606] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[1607] 3. Use of premium services:

[1608] Users subscribe to the premium service and pay to access advanced investment insights and special quests.

[1609] Specific example

[1610] Specific example 1 (Risk management through quests):

[1611] A new user installs the app and enters their basic information. Because their risk tolerance is analyzed as "medium," the server displays a quest such as "This Month's Investment Quest: Purchase a specific asset to earn points."

[1612] When a user completes a quest, they are awarded points and level up.

[1613] Example 2 (Premium-only quest):

[1614] Premium users are currently utilizing advanced investment insights. Recently, the server received an insight indicating that major institutional investors are heavily investing in specific market segments, and this information is being used to improve investment strategies.

[1615] Example of a prompt:

[1616] User's age: 35

[1617] Occupation: Engineer

[1618] Asset status: Medium

[1619] Past transaction history: Purchase of stock A, sale of stock B.

[1620] Economic News: Stock prices are on an upward trend, and interest rates are falling.

[1621] This system allows novice and casual investors to learn about investing while having fun, and to sustainably increase their engagement. The premium service offers advanced insights and special quests to meet the diverse needs of users.

[1622] The flow of a specific process in Application Example 1 will be explained using Figure 12.

[1623] Step 1:

[1624] The server collects the user's basic information and transaction history. Users input basic information such as age, occupation, and financial status, as well as their past transaction history, through a smartphone app. The entered data is sent to the server and stored in the database.

[1625] Step 2:

[1626] The server analyzes the collected data to assess users' risk tolerance and investment tendencies. It uses data analysis libraries (Keras, Scikit-learn) to analyze stored user data. Generative AI models are used to predict risk tolerance and investment tendencies, and the results are saved as specific profiles for each user.

[1627] Step 3:

[1628] The server retrieves economic news and market data. It periodically calls external news APIs (e.g., financialdataapi.com) to obtain the latest economic news and market data. The retrieved data is analyzed by a generating AI to extract factors that influence the user's investment strategy.

[1629] Step 4:

[1630] The server generates investment insights based on the analysis results. Based on the analyzed economic news and market data, along with the user's risk tolerance and investment tendencies, a generating AI model produces investment insights. The generated insights are customized for each user and stored in a database.

[1631] Step 5:

[1632] The server creates quests and challenges based on investment insights. It gamifies investment insights, designing quests and challenges to allow users to learn about investing while having fun. Quests have specific tasks and goals, and offer rewards such as points and badges.

[1633] Step 6:

[1634] The device displays quests and challenges and manages user interaction. It receives quest information sent from the server and displays it on the smartphone app interface. The user's progress, points earned, and badges as they complete quests are updated and displayed in real time.

[1635] Step 7:

[1636] The server tracks the user's quest progress. It collects quest progress and user interaction data, and awards points and badges accordingly. This data is stored in a database and reflected in the user's profile.

[1637] Step 8:

[1638] Premium users will receive advanced investment insights and exclusive quests. The server handles registration and authentication for premium services, and generates and delivers expert, detailed insights and exclusive quests for premium users.

[1639] The above is a detailed explanation of the processing steps of this system.

[1640] Furthermore, an emotion engine that estimates the user's emotions may be incorporated. That is, the identification processing unit 290 may use the emotion identification model 59 to estimate the user's emotions and perform identification processing using the user's emotions.

[1641] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn investment knowledge, and incorporates an emotion engine that recognizes user emotions. The system collects and analyzes user basic information and trading history, analyzes economic news and market data to generate customized investment strategies for each user, and then presents these strategies in a gamified format. Furthermore, it recognizes the user's emotional state in real time and adjusts investment insights and quest content to provide optimal feedback to the user.

[1642] Program processing

[1643] Server Role

[1644] Collection and analysis of user data

[1645] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. This data is then analyzed to evaluate the user's risk tolerance and investment tendencies.

[1646] Obtaining economic news and market data

[1647] The server regularly retrieves the latest economic news and market data from various news APIs and financial data provision services. This data is then analyzed by a generating AI to extract factors that affect users.

[1648] Generating Investment Insights

[1649] The AI ​​generates personalized investment insights for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[1650] Integration of game elements

[1651] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. Quests are equipped with incentives such as points, badges, and level-ups.

[1652] Emotional engine integration

[1653] The server uses an emotion engine to recognize and analyze the user's emotional state in real time. Based on this, it adjusts the investment insights, quest content, and feedback provided.

[1654] Managing premium services

[1655] The server manages users' premium service registrations and payment information, and generates advanced investment insights and special quests for premium users.

[1656] Terminal role

[1657] Providing a user interface

[1658] The device (smartphone or PC) provides the app or website that allows the user to access the system. A form for entering basic information is displayed upon first access.

[1659] Display and interaction of game functions

[1660] The device displays quests and challenges received from the server to the user. It also includes a function to update and display the user's progress, earned points, and badges in real time.

[1661] Emotion recognition interface

[1662] The device recognizes the user's emotions through sensors such as the camera and microphone. The recognition results are sent to an emotion engine and analyzed on a server.

[1663] User roles

[1664] Information entry and update

[1665] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[1666] Learning and participation in games

[1667] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[1668] Use of premium services

[1669] Users subscribe to the premium service and pay to access advanced investment insights and special quests.

[1670] Specific example

[1671] Example 1: Risk management through quests

[1672] 1. Server: Collects the latest economic news and analyzes the likelihood of interest rate increases.

[1673] 2. Generative AI: Evaluates interest rate risk and identifies vulnerable users.

[1674] 3. Server: Create a quest titled "Reduce risk before the next interest rate announcement" and set a recommended action (e.g., buy bonds).

[1675] 4. Device: Sends quest notifications to the user and displays details.

[1676] 5. User: Complete quests and perform actions.

[1677] 6. Server: Tracks user progress and awards points and badges.

[1678] 7. Device: Displays earned points and badges to the user.

[1679] Example 2: Adjusting investment insights through emotion recognition

[1680] 1. User: Sends emotional states via camera and microphone while using the system.

[1681] 2. Terminal: Sends emotional data to the emotion engine in real time.

[1682] 3. Emotion Engine: Recognizes emotional states (e.g., high stress) and sends them to the server.

[1683] 4. Server: Adjusts investment insights and quest content based on recognized emotional states (e.g., suggests low-risk investments).

[1684] 5. Device: Display tailored insights and quests to the user.

[1685] As described above, this system collects and analyzes users' basic information and transaction history, and generates customized investment strategies for each user based on the latest economic news and market data. Furthermore, by gamifying the investment strategies and integrating an emotion engine, it provides investment insights and feedback tailored to the user's emotional state. By utilizing premium services, it can meet diverse user needs by providing advanced insights and special quests.

[1686] The following describes the processing flow.

[1687] Step 1:

[1688] User Registration

[1689] User: Sign up for the app or website upon first access and enter basic information (age, occupation, financial status, etc.).

[1690] Terminal: Receives the entered information and sends it to the server.

[1691] Step 2:

[1692] Data storage and initial analysis

[1693] Server: Stores basic user information in the database.

[1694] Server: Analyzes stored data to assess the user's initial risk tolerance and investment tendencies.

[1695] Step 3:

[1696] Collection of news and market data

[1697] Server: Regularly retrieves the latest economic news and market data from various news APIs and financial data provision services.

[1698] Step 4:

[1699] News Analysis

[1700] Generative AI: Analyzes collected news and market data as text to extract information likely to influence investments (e.g., interest rate fluctuations, corporate earnings).

[1701] Server: Based on the extracted information, it identifies economic factors likely to affect the user and generates multiple investment scenarios.

[1702] Step 5:

[1703] Generating Individual Investment Insights

[1704] Server: Matches user-specific data (basic information, past transaction history, risk tolerance) and selects applicable investment scenarios.

[1705] Generating AI: Based on user data, it generates investment insights to suggest recommended investment strategies and risk management measures.

[1706] Step 6:

[1707] Creating game elements

[1708] Server: Based on the generated investment insights, design quests and challenges (e.g., "Adjust your portfolio before the next interest rate hike").

[1709] Server: Quests will have incentives such as points, badges, and level-ups.

[1710] Step 7:

[1711] Quest notifications and displays

[1712] Terminal: Sends a notification to the user's screen to display a new quest.

[1713] Terminal: Displays quests and their details in a format that is easy for the user to understand.

[1714] Step 8:

[1715] User quest completion

[1716] User: Follow the provided quest and perform specific investment actions (e.g., buy or sell a specific stock).

[1717] Terminal: Records user actions and sends them to the server.

[1718] Step 9:

[1719] Acquisition of emotion recognition data

[1720] Device: Uses sensors such as cameras and microphones to acquire user emotion data.

[1721] Terminal: Transmits acquired emotion data to the emotion engine in real time.

[1722] Step 10:

[1723] Analysis and response to emotional data

[1724] Emotion Engine: Analyzes transmitted emotion data to identify the user's emotional state (e.g., high stress, agitated).

[1725] Server: Adjusts investment insights and quest content based on recognized emotional states (e.g., suggests low-risk investments).

[1726] Step 11:

[1727] Progress tracking and feedback

[1728] Server: Tracks the user's quest completion progress.

[1729] Server: Based on real-time data, it awards points and badges to users.

[1730] Device: Displays earned points, badges, and progress to the user.

[1731] Step 12:

[1732] Premium service registration and management

[1733] User: Register for the premium service and enter your payment information.

[1734] Server: Stores registration information and payment data, and authenticates premium users.

[1735] Step 13:

[1736] Premium content provision

[1737] Server: Generates advanced investment insights and special quests for premium users.

[1738] Device: Display premium content through a special interface, making it accessible to users.

[1739] (Example 2)

[1740] Next, we will describe Example 2. 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."

[1741] Traditional investment learning systems primarily provided investment strategies based on users' basic information and trading history, lacking adjustments that took into account users' emotional states and learning methods that incorporated gamification elements. As a result, it was difficult for beginners and casual users to deepen their understanding of investing or to maintain their interest and engagement. Furthermore, there was a demand for more advanced investment insights and special quests for premium service subscribers.

[1742] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means.

[1743] This invention includes a server that collects basic user information and transaction history, analyzes the collected information to evaluate the user's risk tolerance and investment tendencies, acquires the latest news and market data and analyzes it using a generating AI, generates investment insights based on the analysis results and provides customized investment strategies for each user, creates quests and challenges to gamify investment strategies, tracks the user's quest completion status and provides incentives such as points and badges, and recognizes the user's emotional state in real time and adjusts investment insights and quest content based on the recognized emotional state. This allows users to learn about investing while maintaining their interest and receive appropriate feedback according to their emotional state. Furthermore, premium users can be provided with more advanced investment insights and special quests.

[1744] "User basic information" refers to personal information provided by the user, such as age, occupation, and financial status.

[1745] "Transaction history" refers to a record of investment transactions a user has made in the past.

[1746] "Means of collection" refers to methods and technologies for receiving basic user information and transaction history and storing it in a database.

[1747] "Means of analysis" refer to methods and techniques for analyzing collected data to evaluate users' risk tolerance and investment tendencies.

[1748] "Means of acquisition" refers to methods and technologies for collecting the latest news and market data from sources such as news APIs and financial data provision services.

[1749] "Generative AI" is an artificial intelligence model that generates customized investment insights for each user based on collected and analyzed data.

[1750] "Investment insights" refer to investment strategies and advice provided to users.

[1751] "Methods of gamification" refer to methods and techniques for creating quests and challenges based on investment insights and incorporating game elements.

[1752] A "quest" is an investment-related task or mission that a user attempts to complete.

[1753] A "challenge" is an attempt or endeavor by a user to achieve a specific investment objective or goal.

[1754] "Tracking methods" refer to methods and technologies for tracking a user's quest completion status and awarding points or badges accordingly.

[1755] "Incentives" are rewards such as points, badges, and level-ups that users can earn when completing quests and challenges.

[1756] "Emotional state" refers to the user's current emotions and stress level.

[1757] "Real-time recognition methods" refer to methods and technologies that use cameras and microphones to instantly analyze and recognize a user's emotions.

[1758] "Means of adjustment" refer to methods and techniques for appropriately modifying investment insights and quest content based on the perceived emotional state of the user.

[1759] A "premium user" is a user who pays an additional fee to access advanced services and benefits.

[1760] "Means of registration and authentication" refers to the methods and technologies used to register and authenticate users as premium users.

[1761] "Advanced investment insights" refer to insights that include more specialized and detailed investment information and strategies.

[1762] "Special quests" are special investment missions and challenges prepared exclusively for premium users and are not accessible to regular users.

[1763] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn about investing. The system collects and analyzes the user's basic information and past trading history, and provides customized investment strategies using the latest news and market data. Furthermore, it gamifies the process, recognizing the user's emotions in real time and adjusting feedback accordingly to provide optimal investment insights.

[1764] Server Role

[1765] Collection and analysis of user data

[1766] The server collects basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores this information in a database. Generative AI is used to analyze the collected data and evaluate the user's risk tolerance and investment tendencies.

[1767] Specific example: When a user provides basic information such as "30 years old, salaried worker, assets of 1 million yen," the server collects this information and uses a generating AI to assess their risk tolerance as "moderate."

[1768] Obtaining economic news and market data

[1769] The server retrieves the latest economic news and market data from news APIs (e.g., Google News API) and financial data providers (e.g., Alpha Vantage). This data is then analyzed by a generative AI to extract factors that may affect the user.

[1770] Specific example: The server retrieves information about "the risk of rising interest rates" from a news API, analyzes it using a generating AI, and presents the user with the conclusion that "the risk of rising interest rates is increasing."

[1771] Generating Investment Insights

[1772] Generating Investment Insights

[1773] The server uses AI to generate personalized investment insights for each user, based on user data, economic news, and market data analysis results. These insights are stored in a database and provided to the user.

[1774] Specific example: The generating AI creates an insight suggesting a "bond purchase" to a 30-year-old salaried user, taking into account the risk of rising interest rates.

[1775] Integration of game elements

[1776] Gamified quest generation

[1777] Based on the generated investment insights, the server designs quests and challenges that users can enjoy, incorporating game elements. Quests are equipped with incentives such as points, badges, and level-ups.

[1778] Specific example: The server generates a quest that says "Reduce risk before the next interest rate announcement" and sets "Buy bonds" as the recommended action.

[1779] Emotional engine integration

[1780] Recognizing the user's emotional state

[1781] The device uses its camera and microphone to recognize the user's emotional state in real time. This emotional data is sent to a server and analyzed by an emotion engine. Based on the analysis results, investment insights and quest content are adjusted.

[1782] Specific example: If a user experiences stress through the camera or microphone while using the system, the emotion engine recognizes this, and the server provides low-risk investment insights.

[1783] Managing premium services

[1784] The server manages premium user registration and payment information, and provides premium users with advanced investment insights and special quests.

[1785] Specific example: Premium users are offered "special quests on complex options trading" and "advanced investment analysis reports."

[1786] Example of a prompt

[1787] "Please describe in detail a scenario in which a 30-year-old office worker enters basic information and carries out a risk management quest involving bond purchases."

[1788] "Explain how the emotion engine and servers provide low-risk investment insights when users experience stress while using the system."

[1789] The above describes the specific embodiments for carrying out this invention.

[1790] The flow of the specific processing in Example 2 will be explained using Figure 13.

[1791] Program processing flow

[1792] Collection and analysis of user data

[1793] Step 1:

[1794] The server sends a request to the terminal to display the user's basic information input form.

[1795] Input: Request from the device during the first access.

[1796] Output: Request to display the basic information input form

[1797] Specific operation: The server sends an API call to the terminal, instructing it to "display the basic information form."

[1798] Step 2:

[1799] The device displays a basic information input form to the user.

[1800] Input: API request from server

[1801] Output: Display of the basic information input form screen

[1802] Specific operation: The device displays input fields on the screen for age, occupation, asset status, etc.

[1803] Step 3:

[1804] The user enters basic information (e.g., age, occupation, financial status) and presses the submit button.

[1805] Input: Basic information (e.g., "30 years old", "Salaried worker", "Assets of 1 million yen")

[1806] Output: Sending basic information to the server

[1807] Specific action: The user enters information into the form and clicks the submit button.

[1808] Step 4:

[1809] The server receives basic information sent by the user and stores it in the database.

[1810] Input: Basic information submitted by the user

[1811] Output: Saving data to the database

[1812] Specific operation: The server verifies the received data and saves it to the database.

[1813] Step 5:

[1814] The server sends stored basic information to a generating AI, which then evaluates the user's risk tolerance and investment tendencies.

[1815] Input: Basic user information stored in the database

[1816] Output: Assessment results of risk tolerance and investment tendencies

[1817] Specific operation: The server sends data to the generating AI, which evaluates the risk tolerance (e.g., "moderate") and investment tendencies.

[1818] Obtaining economic news and market data

[1819] Step 6:

[1820] The server periodically retrieves data from news APIs and financial data provision services.

[1821] Input: Periodic data retrieval request

[1822] Output: Latest economic news and market data

[1823] Specific operation: The server sends requests to news APIs and financial data providers to retrieve data.

[1824] Step 7:

[1825] The server sends the acquired data to the generating AI for analysis.

[1826] Input: Acquired economic news and market data

[1827] Output: Analysis results (e.g., "There is a high risk of interest rates rising")

[1828] Specific operation: The server sends news and market data to a generating AI, which then analyzes it.

[1829] Generating Investment Insights

[1830] Step 8:

[1831] The server requests the AI ​​to generate investment insights based on user data, economic news, and market data analysis results.

[1832] Input: User's basic information, analyzed economic news, market data

[1833] Output: Customized investment insights

[1834] Specific operation: The server sends an instruction to the generating AI: "Generate investment insights for this user."

[1835] Step 9:

[1836] The generating AI creates investment insights by taking into account the user's risk tolerance and investment tendencies.

[1837] Input: Data sent from the server

[1838] Output: Customized investment insights (e.g., "Recommends purchasing bonds considering the risk of rising interest rates")

[1839] Specific operation: The generating AI analyzes data and generates optimal investment insights.

[1840] Step 10:

[1841] The server stores the generated investment insights in a database and prepares them to be provided to users.

[1842] Input: Investment insights generated by AI

[1843] Output: Saving insights to the database, preparing them for user delivery.

[1844] Specific operation: The server saves the investment insights received from the generated AI to a database.

[1845] Integration of game elements

[1846] Step 11:

[1847] Based on the generated investment insights, the server creates quests and challenges that users can enjoy.

[1848] Input: Generated investment insights

[1849] Output: Generation of quests and challenges

[1850] Specific operation: The server creates a quest such as "Set up bond purchases to mitigate interest rate risk as the next quest."

[1851] Step 12:

[1852] The server sets up incentives for quests, such as points, badges, and level-ups.

[1853] Input: Created quest

[1854] Output: Setting incentives associated with quests

[1855] Specific operation: The server sets incentives such as points and badges for quests.

[1856] Step 13:

[1857] The server sends the generated quest to the terminal and notifies the user.

[1858] Input: Created quests and incentives

[1859] Output: Notification to the user

[1860] Specific operation: The server sends an API call to the terminal, notifying it of a new quest and its details.

[1861] Emotional engine integration

[1862] Step 14:

[1863] The device uses a camera and microphone to recognize the user's emotional state in real time.

[1864] Input: Emotional data from camera and microphone

[1865] Output: Recognized emotional state

[1866] Specific operation: The device analyzes the user's facial expressions and voice to recognize their emotional state in real time.

[1867] Step 15:

[1868] The device sends the recognized emotion data to the emotion engine.

[1869] Input: Recognized emotional state

[1870] Output: Sending data to the emotion engine

[1871] Specific operation: The device sends the recognized emotion data to the server.

[1872] Step 16:

[1873] The emotion engine analyzes emotional states and adjusts investment insights and quest content accordingly.

[1874] Input: Sentiment data

[1875] Output: Adjusted investment insights and quest content

[1876] Specific operation: The emotion engine analyzes data and adjusts it to appropriate investment insights and quest content.

[1877] Step 17:

[1878] The server sends tailored insights and quests to the device and displays them to the user.

[1879] Input: Adjusted insights and quests

[1880] Output: Display to the user

[1881] Specific operation: The server sends the adjusted content to the terminal, allowing the user to view it on the screen.

[1882] Managing premium services

[1883] Step 18:

[1884] Users enter their information on the premium service registration screen and make a payment.

[1885] Input: User registration information and payment information

[1886] Output: Sending data to the server

[1887] Specific action: The user enters credit card information and completes the payment.

[1888] Step 19:

[1889] The server stores premium users' registration and payment information in a database.

[1890] Input: User registration information and payment information

[1891] Output: Save to database

[1892] Specific operation: The server verifies the received information and saves it to the database.

[1893] Step 20:

[1894] The server generates advanced investment insights and special quests for premium users and sends them to their devices.

[1895] Input: Premium user data, AI-generated analysis data

[1896] Output: Advanced investment insights and special quests

[1897] Specific operation: The server generates and sends to the terminal "special quests on complex options trading" and "advanced investment analysis reports" for premium users.

[1898] The above outlines the specific processing steps of this system.

[1899] (Application Example 2)

[1900] Next, we will explain application example 2. In the following explanation, 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."

[1901] Traditional personal investment systems have faced challenges such as users' lack of knowledge and judgment errors stemming from emotions. Therefore, there is a need for a system that allows users to learn about investments in an enjoyable way while receiving appropriate feedback in real time. Furthermore, there has been a lack of flexible investment insights tailored to users' emotional states, and the enhancement of engagement through gamification of investing has been insufficient.

[1902] In Application Example 2, the specific processing performed by the specific processing unit 290 of the data processing device 12 is realized by the following means. In this invention, the server includes means for collecting the user's basic information and transaction history, means for analyzing the collected information and evaluating the user's risk tolerance and investment tendencies, means for acquiring economic news and market data and analyzing them with a generating AI, means for generating investment insights based on the analysis results and providing a customized investment strategy for each user, means for gamifying the investment insights and creating quests and challenges, means for tracking the user's quest completion status and providing incentives such as points and badges, an emotion engine that recognizes the user's emotional state and analyzes it in real time, means for adjusting investment insights and quest content based on the recognized emotional state, means for displaying the emotion recognition results on the user interface, means for presenting risk reduction measures based on market data and emotional state, and means for being installed in smart glasses. This makes it possible for users to learn investment knowledge in an enjoyable way while receiving appropriate investment strategies and feedback according to their emotional state.

[1903] "User basic information" refers to data that shows the basic characteristics of each investor, such as age, occupation, and asset status.

[1904] "Transaction history" refers to a record of investment transactions a user has made in the past, and includes data such as the date, time, amount, and quantity of asset purchases and sales.

[1905] "Generative AI" refers to artificial intelligence that analyzes data and generates customized investment insights for each user.

[1906] "Investment insights" refer to the insights and advice that users have regarding their investment activities, and include specific investment strategies and risk management methods.

[1907] An "emotion engine" refers to the technology and devices used to recognize and analyze a user's emotional state in real time.

[1908] "Smart glasses" are glasses-type wearable devices that display information and overlay digital content onto the user's field of vision.

[1909] A "quest" refers to a mission or challenge that the user must complete, and is provided as a game element.

[1910] "Points and badges" refer to rewards and titles that users can earn by completing quests, and are used to increase user motivation.

[1911] An "investment strategy" refers to a plan or policy for a user to increase their assets, and includes risk management and the selection of investment targets.

[1912] "Risk reduction measures" refer to actions and advice aimed at minimizing the impact of market fluctuations.

[1913] "Economic news and market data" refers to information that shows the current economic situation and market trends, and includes financial news, indicators, stock prices, etc.

[1914] "Emotion recognition results" refer to data that shows the user's emotional state as analyzed by the emotion engine.

[1915] This invention relates to a personal investment insight system implemented through an application installed on smart glasses. The system consists of three main components: a server, a user terminal (smart glasses), and the user.

[1916] Server Role

[1917] The server includes the following measures:

[1918] 1. Collection and analysis of user data

[1919] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. This data is then analyzed to evaluate the user's risk tolerance and investment tendencies.

[1920] 2. Obtaining economic news and market data

[1921] The server regularly retrieves the latest economic news and market data from various news APIs and financial data provision services. This data is then analyzed using AI to extract factors that influence users.

[1922] 3. Generating investment insights

[1923] The AI ​​generates personalized investment insights for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[1924] 4. Integration of game elements

[1925] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. Quests are equipped with incentives such as points, badges, and level-ups.

[1926] 5. Integration of the Emotional Engine

[1927] The server uses an emotion engine to recognize and analyze the user's emotional state in real time. Based on this, it adjusts the investment insights, quest content, and feedback provided.

[1928] 6. Display of emotion recognition results

[1929] The server displays the results of the user's emotion recognition on the user interface, which can be used as a reference for investment decisions and quest progression.

[1930] 7. Presentation of risk reduction measures

[1931] The server proposes risk reduction measures to the user based on market data and sentiment.

[1932] Terminal role

[1933] Smart glasses as a device include the following means:

[1934] Providing a user interface

[1935] Smart glasses provide an interface for the user to access the system. A form for entering basic information is displayed upon initial access.

[1936] Display and interaction of game functions

[1937] The smart glasses display quests and challenges received from the server to the user. This also includes a feature that updates and displays the user's progress, earned points, and badges in real time.

[1938] Emotion recognition interface

[1939] The smart glasses recognize the user's emotions through sensors such as the camera and microphone. The recognition results are sent to an emotion engine and analyzed on a server.

[1940] User roles

[1941] The user operates the system as follows:

[1942] Information entry and update

[1943] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[1944] Learning and participation in games

[1945] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[1946] Adding specific examples

[1947] For example, if a user is experiencing stress, the server recognizes this through its emotion engine and suggests a low-risk investment strategy. The user then receives real-time feedback through smart glasses, enabling them to take risk reduction measures.

[1948] Example of a prompt

[1949] Please provide investment suggestions for users who are experiencing stress. Specific examples of low-risk investments tailored to the user's emotional state should be given.

[1950] The flow of a specific process in Application Example 2 will be explained using Figure 14.

[1951] Step 1:

[1952] server

[1953] The system collects and inputs basic user information and transaction history. The entered data is stored in a database on the server. This data is used as foundational information to evaluate the user's risk tolerance and investment tendencies.

[1954] Step 2:

[1955] server

[1956] We acquire economic news and market data from external sources. We regularly ingest the latest economic news and market indicators through news APIs and financial data provision services. This data is then passed to a generating AI to serve as input for analysis.

[1957] Step 3:

[1958] server

[1959] This system analyzes economic news and market data collected using generative AI. It integrates the user's basic information and trading history, generating investment insights based on the analysis results. The output is a customized investment strategy and advice tailored to the specific user.

[1960] Step 4:

[1961] server

[1962] The game integrates investment insights as a game element. Quests and challenges are designed based on the generated insights. Quests are equipped with incentives such as points, badges, and level-ups. This information is sent to the user's device.

[1963] Step 5:

[1964] Device (smart glasses)

[1965] The system displays received quests and challenges to the user. It also updates and displays the user's progress, earned points, and badges in real time. Based on the displayed information, the user decides on their next action.

[1966] Step 6:

[1967] Device (smart glasses)

[1968] The system uses sensors such as cameras and microphones to recognize the user's emotional state. This emotional data is acquired in real time and sent to a server. The recognition results are then analyzed by an emotion engine.

[1969] Step 7:

[1970] server

[1971] The system analyzes the acquired emotional state and provides optimal feedback to the user. Based on the analysis results of the emotion engine, it adjusts investment insights, tutorials, and quest content. If the user's emotional state is stressed, it suggests low-risk investment strategies, etc.

[1972] Step 8:

[1973] server

[1974] Optimized investment insights and quest objectives are displayed in the user interface to provide feedback. This allows users to take actions that align with their emotional state.

[1975] Step 9:

[1976] User

[1977] Players execute investment strategies and game quests. They input their progress and advance to the next stage. Points and badges acquired are updated and recorded. Users can view the results of their actions in real time and plan their next moves.

[1978] Step 10:

[1979] server

[1980] The system tracks users' quest completion progress and provides incentives such as points and badges. Progress data is updated in real time and provided to users as feedback. This increases engagement in investment learning.

[1981] The specific processing unit 290 transmits the result of the specific processing to the headset terminal 314. In the headset terminal 314, the control unit 46A causes the speaker 240 and display 343 to output the result of the specific processing. The microphone 238 acquires audio indicating user input for the result of the specific processing. The control unit 46A transmits the audio data indicating user input acquired by the microphone 238 to the data processing unit 12. In the data processing unit 12, the specific processing unit 290 acquires the audio data.

[1982] Data generation model 58 is a type of so-called generative AI (Artificial Intelligence). One example of data generation model 58 is ChatGPT (Internet search<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search) <url: https: gemini.google.com ?hl="ja">Examples of generative AI include the following. The data generation model 58 is obtained by performing deep learning on a neural network. The data generation model 58 is input with prompts containing instructions, and with inference data such as audio data representing speech, text data representing text, and image data representing images. The data generation model 58 infers from the input inference data according to the instructions indicated by the prompts, and outputs the inference results in data formats such as audio data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization.

[1983] In the above embodiment, an example was given in which specific processing is performed by the data processing device 12, but the technology of this disclosure is not limited thereto, and specific processing may also be performed by the headset terminal 314.

[1984] [Fourth Embodiment]

[1985] Figure 7 shows an example of the configuration of the data processing system 410 according to the fourth embodiment.

[1986] As shown in Figure 7, the 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.

[1987] The data processing device 12 comprises a computer 22, a database 24, and a communication interface 26. The computer 22 is an example of a "computer" related to the technology of this disclosure. The computer 22 comprises a processor 28, RAM 30, and storage 32. The processor 28, RAM 30, and storage 32 are connected to a bus 34. The database 24 and the communication interface 26 are also connected to the bus 34. The communication interface 26 is connected to a network 54. An example of the network 54 is a WAN (Wide Area Network) and / or a LAN (Local Area Network).

[1988] The robot 414 includes a computer 36, a microphone 238, a speaker 240, a camera 42, a communication interface 44, and a controlled object 443. The computer 36 includes a processor 46, RAM 48, and storage 50. The processor 46, RAM 48, and storage 50 are connected to a bus 52. The microphone 238, speaker 240, camera 42, and controlled object 443 are also connected to the bus 52.

[1989] The microphone 238 receives voice signals from the user 20 and receives instructions from the user 20. The microphone 238 captures the voice signals from the user 20, converts the captured voice into audio data, and outputs it to the processor 46. The speaker 240 outputs audio according to the instructions from the processor 46.

[1990] Camera 42 is a small digital camera equipped with an optical system including a lens, aperture, and shutter, and an image sensor such as a CMOS (Complementary Metal-Oxide-Semiconductor) image sensor or a CCD (Charge Coupled Device) image sensor, and captures images of the area around the user 20 (for example, an imaging range defined by a field of view equivalent to the width of a typical healthy person's field of vision).

[1991] Communication interface 44 is connected to network 54. Communication interfaces 44 and 26 are responsible for the exchange of various information between processor 46 and processor 28 via network 54. The exchange of various information between processor 46 and processor 28 using communication interfaces 44 and 26 is performed in a secure manner.

[1992] The controlled object 443 includes a display device, LEDs in the eyes, and motors that drive 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 robot 414's emotions can be expressed by controlling these motors. Furthermore, the robot 414's facial expressions can also be expressed by controlling the illumination state of the LEDs in its eyes.

[1993] Figure 8 shows an example of the main functions of the data processing device 12 and the robot 414. As shown in Figure 8, the data processing device 12 performs specific processing using the processor 28. The storage 32 stores the specific processing program 56.

[1994] The specific processing program 56 is an example of a "program" relating to the technology of this 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.

[1995] The storage 32 stores the data generation model 58 and the emotion identification model 59. The data generation model 58 and the emotion identification model 59 are used by the identification processing unit 290.

[1996] In robot 414, the processor 46 performs the reception output processing. The storage 50 stores the reception output program 60. 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 processing is realized by the processor 46 operating as a control unit 46A according to the reception output program 60 executed on the RAM 48.

[1997] Next, the specific processing performed by the specific processing unit 290 of the data processing device 12 will be described. In the following description, the data processing device 12 will be referred to as the "server" and the robot 414 as the "terminal".

[1998] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn about investing. The system collects and analyzes users' basic information and trading history, analyzes economic news and market data to generate customized investment strategies for each user, and presents these strategies in a gamified format. Furthermore, it offers advanced investment insights and special quests for premium users.

[1999] Program processing

[2000] Server Role

[2001] Collection and analysis of user data

[2002] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. This data is then analyzed to evaluate the user's risk tolerance and investment tendencies.

[2003] Obtaining economic news and market data

[2004] The server regularly retrieves the latest economic news and market data from various news APIs and financial data providers. This data is then analyzed by a generating AI to extract factors that influence users.

[2005] Generating Investment Insights

[2006] The AI ​​generates personalized investment insights for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[2007] Integration of game elements

[2008] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. Quests are equipped with incentives such as points, badges, and level-ups.

[2009] Managing premium services

[2010] The server manages users' premium service registrations and payment information, and generates advanced investment insights and special quests for premium users.

[2011] Terminal role

[2012] Providing a user interface

[2013] The device (smartphone or PC) provides the app or website that allows the user to access the system. A form for entering basic information is displayed upon first access.

[2014] Display and interaction of game functions

[2015] The device displays quests and challenges received from the server to the user. It also includes a function to update and display the user's progress, earned points, and badges in real time.

[2016] User roles

[2017] Information entry and update

[2018] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[2019] Learning and participation in games

[2020] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[2021] Use of premium services

[2022] Users subscribe to the premium service and pay to access advanced investment insights and special quests.

[2023] Specific example

[2024] Example 1: Risk management through quests

[2025] 1. Server: Collects the latest economic news and analyzes the likelihood of interest rate increases.

[2026] 2. Generative AI: Evaluates interest rate risk and identifies vulnerable users.

[2027] 3. Server: Create a quest titled "Reduce risk before the next interest rate announcement" and set a recommended action (e.g., buy bonds).

[2028] 4. Device: Sends quest notifications to the user and displays details.

[2029] 5. User: Complete quests and perform actions.

[2030] 6. Server: Tracks user progress and awards points and badges.

[2031] 7. Device: Displays earned points and badges to the user.

[2032] Example 2: Premium-only quests

[2033] 1. User: Sign up for the premium service and complete the payment.

[2034] 2. Server: Analyzes and provides advanced investment insights for premium users (e.g., trends of major institutional investors).

[2035] 3. Device: Premium Insights will be displayed with a special UI.

[2036] 4. User: Implement investment strategies based on the insights provided.

[2037] As described above, this system collects and analyzes users' basic information and transaction history, and generates customized investment strategies for each user based on the latest economic news and market data. By providing these investment strategies in a gamified format, it can increase engagement among novice and casual investors. Furthermore, by offering advanced insights and special quests through premium services, it can meet the diverse needs of users.

[2038] The following describes the processing flow.

[2039] Step 1:

[2040] User Registration

[2041] User: Sign up for the app or website upon first access and enter basic information (age, occupation, financial status, etc.).

[2042] Terminal: Receives the entered information and sends it to the server.

[2043] Step 2:

[2044] Data storage and initial analysis

[2045] Server: Stores basic user information in the database.

[2046] Server: Analyzes stored data to assess the user's initial risk tolerance and investment tendencies.

[2047] Step 3:

[2048] Collection of news and market data

[2049] Server: Regularly retrieves the latest economic news and market data from various news APIs and financial data provision services.

[2050] Step 4:

[2051] News Analysis

[2052] Generative AI: Analyzes collected news and market data as text to extract information likely to influence investments (e.g., interest rate fluctuations, corporate earnings).

[2053] Server: Generates multiple investment scenarios based on the extracted information.

[2054] Step 5:

[2055] Generating Individual Investment Insights

[2056] Server: Matches user-specific data (basic information, past trading history, risk tolerance) to generate individual investment insights.

[2057] Generative AI: Based on user data, it suggests recommended investment strategies and risk management measures.

[2058] Step 6:

[2059] Creating game elements

[2060] Server: Based on the generated investment insights, design quests and challenges (e.g., "Adjust your portfolio before the next interest rate hike").

[2061] Server: Quests will have incentives such as points, badges, and level-ups.

[2062] Step 7:

[2063] Quest notifications and displays

[2064] Terminal: Sends a notification to the user's screen to display a new quest.

[2065] Terminal: Displays quests and their details in a format that is easy for the user to understand.

[2066] Step 8:

[2067] User quest completion

[2068] User: Follow the provided quest and perform specific investment actions (e.g., buy or sell a specific stock).

[2069] Terminal: Records user actions and sends them to the server.

[2070] Step 9:

[2071] Progress tracking and feedback

[2072] Server: Updates the user's progress based on the received data.

[2073] Device: Displays progress, earned points, and badges to the user in real time.

[2074] Step 10:

[2075] Premium service registration and management

[2076] User: Register for the premium service and enter your payment information.

[2077] Server: Stores registration information and payment data, and authenticates premium users.

[2078] Step 11:

[2079] Premium content provision

[2080] Server: Generates advanced investment insights and special quests for premium users.

[2081] Device: Display premium content through a special interface, making it accessible to users.

[2082] (Example 1)

[2083] Next, we will describe Example 1. In the following description, the data processing device 12 will be referred to as the "server" and the robot 414 as the "terminal".

[2084] Traditional investment learning systems have made it difficult for novice and casual investors to efficiently acquire investment knowledge and increase their engagement. Furthermore, they lacked educational methods that included customized investment strategies and incentives for each user, rather than simply providing information. Additionally, the limited availability of advanced insights and special quests for premium users made deeper learning difficult.

[2085] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 1 is realized by the following means.

[2086] This invention includes a server that includes means for collecting basic user information and transaction history, means for analyzing the collected information and evaluating the user's risk tolerance and investment tendencies, means for acquiring economic news and market data and analyzing them using a generating AI, means for generating investment insights based on the analysis results and providing customized investment strategies for each user, means for gamifying investment insights and creating quests and challenges, means for tracking the user's quest completion status and providing incentives such as points and badges, means for generating advanced investment insights and special quests for premium users, and means for providing a user interface that displays information on quests, progress, points earned, and badges in real time on the terminal. This makes it possible for novice and casual investors to deepen their investment knowledge efficiently and enjoyably through customized investment learning and a gamified experience for each user.

[2087] "User basic information" refers to information about the user's personal attributes, such as age, occupation, and financial status.

[2088] "Transaction history" refers to a record of investments and transactions that a user has made in the past.

[2089] "Generative AI" refers to artificial intelligence that uses machine learning algorithms to analyze data and generate investment insights.

[2090] "Economic news" refers to news that provides the latest information on financial markets, economic trends, economic policies, and other related topics.

[2091] "Market data" refers to various types of data related to financial markets, such as stock prices, bond prices, and exchange rates.

[2092] "Investment Insights" refers to investment insights and advice provided to users based on the results of analysis by generated AI.

[2093] A "customized investment strategy" refers to an investment approach that is individually tailored based on each user's risk tolerance and investment tendencies.

[2094] "Gamification" is the process of incorporating game elements into investment insights or quests to engage users and promote learning.

[2095] A "quest" is a specific task or challenge that users undertake, designed as part of their investment learning experience.

[2096] A "challenge" is an initiative or task that the user must accomplish, with the aim of acquiring investment knowledge.

[2097] "Points" are rewards that users earn by completing quests.

[2098] A "badge" is a title or emblem that a user can earn by completing specific quests or challenges.

[2099] An "incentive" is a reward or reward that motivates users to complete quests or challenges.

[2100] A "premium user" is a user who subscribes to a paid service and can use additional benefits and services.

[2101] "Advanced investment insights" refer to deeper analysis and more detailed investment information provided to premium users.

[2102] "Special quests" are challenges designed for premium users, containing more advanced content than regular quests.

[2103] A "user interface" refers to the screens and operating methods that a user uses when interacting with a system.

[2104] "Real-time display" means that data and information are updated instantly and displayed to the user immediately.

[2105] Modes for carrying out the invention

[2106] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn about investing. The system collects and analyzes user basic information and trading history, and analyzes economic news and market data to generate customized investment strategies for each user. In addition, the generated investment strategies are presented as gamified elements to increase user motivation. Furthermore, advanced investment insights and special quests are offered to premium users.

[2107] System Configuration

[2108] 1. Server Role

[2109] Collection and analysis of user data

[2110] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. A dedicated module then operates to analyze this data and evaluate the user's risk tolerance and investment tendencies.

[2111] Obtaining economic news and market data

[2112] The server retrieves the latest economic news and market data from economic news APIs such as NewsAPI and Bloomberg, as well as from financial data providers.

[2113] Generating Investment Insights

[2114] Using a generative AI model, customized investment insights are generated for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[2115] Integration of game elements

[2116] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. Quests are equipped with incentives such as points, badges, and level-ups.

[2117] Managing premium services

[2118] The server features modules for generating advanced investment insights and special quests for premium users.

[2119] 2. The role of the terminal

[2120] Providing a user interface

[2121] The device (smartphone or PC) provides the app or website that allows the user to access the system. A form for entering basic information is displayed upon first access.

[2122] Display and interaction of game functions

[2123] The device displays quests and challenges received from the server to the user. This includes features that update and display the user's progress, earned points, and badges in real time.

[2124] 3. User Roles

[2125] Information entry and update

[2126] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[2127] Learning and participation in games

[2128] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[2129] Use of premium services

[2130] Users subscribe to the premium service and pay to access advanced investment insights and special quests.

[2131] Specific example

[2132] Example 1: Risk management through quests

[2133] 1. Server: Collects the latest economic news and analyzes the likelihood of interest rate increases.

[2134] 2. Generative AI: Evaluates interest rate risk and identifies vulnerable users.

[2135] 3. Server: Create a quest titled "Reduce risk before the next interest rate announcement" and set a recommended action (e.g., buy bonds).

[2136] 4. Device: Sends quest notifications to the user and displays details.

[2137] 5. User: Complete quests and perform actions.

[2138] 6. Server: Tracks user progress and awards points and badges.

[2139] 7. Device: Displays earned points and badges to the user.

[2140] Example 2: Premium-only quests

[2141] 1. User: Sign up for the premium service and complete the payment.

[2142] 2. Server: Analyzes and provides advanced investment insights for premium users (e.g., trends of major institutional investors).

[2143] 3. Device: Premium Insights will be displayed with a special UI.

[2144] 4. User: Implement investment strategies based on the insights provided.

[2145] Example of a prompt

[2146] 1. Collection of user data:

[2147] "Receive basic user information and past transaction history, and store it in a database. Analyze the user's risk tolerance and investment tendencies."

[2148] 2. Obtaining economic news:

[2149] "Retrieve the latest economic news from NewsAPI and Bloomberg, and analyze it using a generating AI. Extract the factors that influence users."

[2150] 3. Quest generation:

[2151] "Create a quest on the server titled 'Reduce Risk Before the Next Interest Rate Announcement,' and set bond purchases as the recommended action."

[2152] As described above, this system collects and analyzes users' basic information and transaction history, and generates and provides customized investment strategies and quests based on the latest economic news and market data. This allows novice investors and casual users to deepen their investment knowledge efficiently while having fun.

[2153] The flow of the specific processing in Example 1 will be explained using Figure 11.

[2154] Step 1:

[2155] User data collection

[2156] 1. Input: The user enters basic information (age, occupation, financial status, etc.) into the device.

[2157] 2. Terminal: Display a basic information input form to the user and prompt them to enter their information.

[2158] Specific operation: When a user enters information into a form, the device sends it to the server in real time.

[2159] 3. Output: The entered basic information is sent to the server.

[2160] 4. Server: The server saves the received user's basic information to the database and instructs the user to enter additional information (past transaction history).

[2161] Specific operation: Data stored in the database is used for subsequent analysis.

[2162] 5. Input: The user enters their past transaction history into the terminal.

[2163] 6. Output: The transaction history is sent to the server and stored in the database.

[2164] Step 2:

[2165] Obtaining economic news and market data

[2166] 1. Input: The server accesses endpoints for economic news APIs such as NewsAPI and Bloomberg.

[2167] 2. Server: Obtain the latest information from economic news APIs such as NewsAPI and Bloomberg.

[2168] Specific operation: A periodic cloning job runs on the server, fetching data from an external API.

[2169] 3. Output: The acquired economic news and market data are saved on the server.

[2170] Step 3:

[2171] Generating Investment Insights

[2172] 1. Input: Saved user data (basic information, transaction history) and acquired economic news and market data.

[2173] 2. Server: Uses a generative AI model to generate customized investment insights for each user.

[2174] Specific operation: The generative AI uses machine learning algorithms to analyze user data and market data to derive future investment strategies.

[2175] 3. Output: Customized investment insights are generated for each user and stored in a database.

[2176] Step 4:

[2177] Game adaptation

[2178] 1. Input: Generated investment insights

[2179] 2. Server: Based on investment insights, design quests and challenges to help users learn about investing while having fun.

[2180] Specific actions: Quests are set with specific tasks and incentives (points, badges, level-ups).

[2181] 3. Output: Customized quests and challenges are generated for each user.

[2182] Step 5:

[2183] Offering quests and incentives

[2184] 1. Input: Generated quest data

[2185] 2. Server: Sends quest and challenge data to the device.

[2186] Specific action: A list of quests and detailed information will be sent as a push notification to your device.

[2187] 3. Device: Notifies the user of the quest and displays detailed information.

[2188] Specific actions: The quest screen displays buttons for joining quests and progress indicators.

[2189] 4. Output: The user is shown the quest details and encouraged to participate.

[2190] Step 6:

[2191] Quest completion and tracking

[2192] 1. Input: The user completes the quest and reports their progress.

[2193] 2. User: Complete quests and perform actions.

[2194] Specific operation: When a user completes a quest, progress information is sent from the device to the server.

[2195] 3. Output: User progress information is sent to the server.

[2196] 4. Server: Tracks user progress and awards points and badges for completed quests.

[2197] Specific operation: Progress information is updated in real time, and badges and points are immediately reflected in the user's account.

[2198] Step 7:

[2199] Managing premium services

[2200] 1. Input: The user registers for the premium service and enters their payment information.

[2201] 2. User: Sign up for the premium service and complete the payment.

[2202] Specific steps: Enter your credit card information and other details on the registration screen, and complete the payment.

[2203] 3. Output: Payment information is sent to the server, and the user is approved as a premium user.

[2204] 4. Server: Generates advanced investment insights and special quests for premium users.

[2205] Specific operation: The generated advanced investment insights are stored separately from regular insights.

[2206] 5. Device: Displays premium insights and quests with a special UI.

[2207] Specific actions: A premium-only dashboard screen will appear, allowing you to view special quests and insights.

[2208] (Application Example 1)

[2209] Next, we will explain Application Example 1. In the following explanation, the data processing device 12 will be referred to as the "server" and the robot 414 as the "terminal".

[2210] Traditional investment education systems struggle to provide customized investment strategies based on users' basic information and trading history. Furthermore, they lack elements that increase engagement for novice and casual investors. There is also a need to provide added value by offering advanced investment insights and special quests for premium users.

[2211] The specific processing performed by the specific processing unit 290 of the data processing device 12 in Application Example 1 is realized by the following means.

[2212] This invention includes a server that includes means for collecting basic user information and transaction history, means for analyzing the collected information and evaluating the user's risk tolerance and investment tendencies, means for acquiring economic news and market data and analyzing them using a generating AI, means for generating investment insights based on the analysis results and providing customized investment strategies for each user, means for gamifying investment insights and creating quests and challenges, means for tracking the user's quest completion status and providing incentives such as points and badges, means for providing advanced investment insights and special quests for premium users, and means for users to complete quests on a smartphone app and display their progress and points earned in real time. This makes it possible for novice and casual investors to learn about investing in an enjoyable way while continuously increasing their engagement.

[2213] "User basic information" refers to personal data such as age, occupation, and asset status that is entered into the investment system.

[2214] "Transaction history" refers to a record of all investment activities a user has conducted in the past.

[2215] "Risk tolerance" is an indicator that shows how much risk a user is willing to accept.

[2216] "Investment tendencies" refer to characteristics that indicate what types of investments a user prefers.

[2217] "Economic news" refers to reports that include the latest events and information related to the investment market.

[2218] "Market data" refers to numerical data related to the investment market, such as stock prices and interest rates.

[2219] "Generative AI" refers to artificial intelligence models that analyze data and generate customized investment insights.

[2220] "Investment insights" refer to investment advice and strategies customized for each user.

[2221] "Gamification" is the process of transforming educational or learning content into game elements (quests and challenges).

[2222] A "quest" refers to a specific task or mission that the user must complete.

[2223] A "challenge" is a task or trial that a user is required to undertake.

[2224] "Tracking" refers to continuously monitoring the user's progress in completing quests.

[2225] "Points" are rewards that users earn by completing quests and challenges.

[2226] A "badge" is a digital verification mark awarded to users upon completion of specific quests or challenges.

[2227] A "premium user" is a user who has subscribed to a paid service.

[2228] "Advanced investment insights" refer to providing more specialized and detailed information than basic investment advice.

[2229] "Special quests" are unique challenges or missions offered exclusively to premium users.

[2230] A "smartphone app" is a type of software that runs on a smart device.

[2231] "Real-time display" refers to a process where data is updated instantly and displayed to the user without delay.

[2232] "Progress" refers to the status of how far a user has progressed in a quest or challenge.

[2233] This invention relates to an embodiment of a personalized investment insight system that allows novice and casual investors to learn and gain investment insights in an enjoyable way. The system collects the user's basic information and trading history, analyzes it, and generates customized investment insights, which are presented in a gamified quest format.

[2234] Server role:

[2235] 1. Collection and analysis of user data:

[2236] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. Based on this data, the server evaluates the user's risk tolerance and investment tendencies.

[2237] The specific software used will include Flask and data analysis libraries (Keras, Scikit-learn).

[2238] 2. Obtaining economic news and market data:

[2239] The server regularly retrieves the latest economic news and market data from external news APIs (e.g., financialdataapi.com) and financial data providers.

[2240] This data is analyzed using a generating AI model (e.g., a model using TensorFlow / PyTorch) to extract factors that influence users.

[2241] 3. Generating investment insights:

[2242] Using a generative AI model, customized investment insights are generated for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[2243] 4. Integration of game elements:

[2244] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. It also sets up incentives such as points, badges, and level-ups.

[2245] 5. Managing premium services:

[2246] The server manages users' premium service registrations and payment information, and provides premium users with advanced investment insights and exclusive quests.

[2247] Terminal role:

[2248] 1. Providing a user interface:

[2249] The device (especially a smartphone) provides an application for the user to access the system. A form for entering basic information is displayed upon first access.

[2250] Specifically, we will use React Native and Vue.js as software.

[2251] 2. Display and interaction of game functions:

[2252] The device presents users with quests and challenges received from the server. It also includes a function to update and display the user's progress, earned points, and badges in real time.

[2253] User roles:

[2254] 1. Entering and updating information:

[2255] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[2256] 2. Learning and participation in games:

[2257] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[2258] 3. Use of premium services:

[2259] Users subscribe to the premium service and pay to access advanced investment insights and special quests.

[2260] Specific example

[2261] Specific example 1 (Risk management through quests):

[2262] A new user installs the app and enters their basic information. Because their risk tolerance is analyzed as "medium," the server displays a quest such as "This Month's Investment Quest: Purchase a specific asset to earn points."

[2263] When a user completes a quest, they are awarded points and level up.

[2264] Example 2 (Premium-only quest):

[2265] Premium users are currently utilizing advanced investment insights. Recently, the server received an insight indicating that major institutional investors are heavily investing in specific market segments, and this information is being used to improve investment strategies.

[2266] Example of a prompt:

[2267] User's age: 35

[2268] Occupation: Engineer

[2269] Asset status: Medium

[2270] Past transaction history: Purchase of stock A, sale of stock B.

[2271] Economic News: Stock prices are on an upward trend, and interest rates are falling.

[2272] This system allows novice and casual investors to learn about investing while having fun, and to sustainably increase their engagement. The premium service offers advanced insights and special quests to meet the diverse needs of users.

[2273] The flow of a specific process in Application Example 1 will be explained using Figure 12.

[2274] Step 1:

[2275] The server collects the user's basic information and transaction history. Users input basic information such as age, occupation, and financial status, as well as their past transaction history, through a smartphone app. The entered data is sent to the server and stored in the database.

[2276] Step 2:

[2277] The server analyzes the collected data to assess users' risk tolerance and investment tendencies. It uses data analysis libraries (Keras, Scikit-learn) to analyze stored user data. Generative AI models are used to predict risk tolerance and investment tendencies, and the results are saved as specific profiles for each user.

[2278] Step 3:

[2279] The server retrieves economic news and market data. It periodically calls external news APIs (e.g., financialdataapi.com) to obtain the latest economic news and market data. The retrieved data is analyzed by a generating AI to extract factors that influence the user's investment strategy.

[2280] Step 4:

[2281] The server generates investment insights based on the analysis results. Based on the analyzed economic news and market data, along with the user's risk tolerance and investment tendencies, a generating AI model produces investment insights. The generated insights are customized for each user and stored in a database.

[2282] Step 5:

[2283] The server creates quests and challenges based on investment insights. It gamifies investment insights, designing quests and challenges to allow users to learn about investing while having fun. Quests have specific tasks and goals, and offer rewards such as points and badges.

[2284] Step 6:

[2285] The device displays quests and challenges and manages user interaction. It receives quest information sent from the server and displays it on the smartphone app interface. The user's progress, points earned, and badges as they complete quests are updated and displayed in real time.

[2286] Step 7:

[2287] The server tracks the user's quest progress. It collects quest progress and user interaction data, and awards points and badges accordingly. This data is stored in a database and reflected in the user's profile.

[2288] Step 8:

[2289] Premium users will receive advanced investment insights and exclusive quests. The server handles registration and authentication for premium services, and generates and delivers expert, detailed insights and exclusive quests for premium users.

[2290] The above is a detailed explanation of the processing steps of this system.

[2291] Furthermore, an emotion engine that estimates the user's emotions may be incorporated. That is, the identification processing unit 290 may use the emotion identification model 59 to estimate the user's emotions and perform identification processing using the user's emotions.

[2292] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn investment knowledge, and incorporates an emotion engine that recognizes user emotions. The system collects and analyzes user basic information and trading history, analyzes economic news and market data to generate customized investment strategies for each user, and then presents these strategies in a gamified format. Furthermore, it recognizes the user's emotional state in real time and adjusts investment insights and quest content to provide optimal feedback to the user.

[2293] Program processing

[2294] Server Role

[2295] Collection and analysis of user data

[2296] The server receives basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores it in a database. This data is then analyzed to evaluate the user's risk tolerance and investment tendencies.

[2297] Obtaining economic news and market data

[2298] The server regularly retrieves the latest economic news and market data from various news APIs and financial data provision services. This data is then analyzed by a generating AI to extract factors that affect users.

[2299] Generating Investment Insights

[2300] The AI ​​generates personalized investment insights for each user based on the analysis results. This process also takes into account the user's risk tolerance and investment tendencies.

[2301] Integration of game elements

[2302] Based on the investment insights it generates, the server designs quests and challenges to help users learn about investing in an enjoyable way. Quests are equipped with incentives such as points, badges, and level-ups.

[2303] Emotional engine integration

[2304] The server uses an emotion engine to recognize and analyze the user's emotional state in real time. Based on this, it adjusts the investment insights, quest content, and feedback provided.

[2305] Managing premium services

[2306] The server manages users' premium service registrations and payment information, and generates advanced investment insights and special quests for premium users.

[2307] Terminal role

[2308] Providing a user interface

[2309] The device (smartphone or PC) provides the app or website that allows the user to access the system. A form for entering basic information is displayed upon first access.

[2310] Display and interaction of game functions

[2311] The device displays quests and challenges received from the server to the user. It also includes a function to update and display the user's progress, earned points, and badges in real time.

[2312] Emotion recognition interface

[2313] The device recognizes the user's emotions through sensors such as the camera and microphone. The recognition results are sent to an emotion engine and analyzed on a server.

[2314] User roles

[2315] Information entry and update

[2316] Users enter their basic information upon their first access and update their data as needed. They also enter their past trading history and current investment strategy.

[2317] Learning and participation in games

[2318] Users complete provided quests and learn about investing. By progressing through the quests, they earn points and badges, allowing them to advance to the next stage.

[2319] Use of premium services

[2320] Users subscribe to the premium service and pay to access advanced investment insights and special quests.

[2321] Specific example

[2322] Example 1: Risk management through quests

[2323] 1. Server: Collects the latest economic news and analyzes the likelihood of interest rate increases.

[2324] 2. Generative AI: Evaluates interest rate risk and identifies vulnerable users.

[2325] 3. Server: Create a quest titled "Reduce risk before the next interest rate announcement" and set a recommended action (e.g., buy bonds).

[2326] 4. Device: Sends quest notifications to the user and displays details.

[2327] 5. User: Complete quests and perform actions.

[2328] 6. Server: Tracks user progress and awards points and badges.

[2329] 7. Device: Displays earned points and badges to the user.

[2330] Example 2: Adjusting investment insights through emotion recognition

[2331] 1. User: Sends emotional states via camera and microphone while using the system.

[2332] 2. Terminal: Sends emotional data to the emotion engine in real time.

[2333] 3. Emotion Engine: Recognizes emotional states (e.g., high stress) and sends them to the server.

[2334] 4. Server: Adjusts investment insights and quest content based on recognized emotional states (e.g., suggests low-risk investments).

[2335] 5. Device: Display tailored insights and quests to the user.

[2336] As described above, this system collects and analyzes users' basic information and transaction history, and generates customized investment strategies for each user based on the latest economic news and market data. Furthermore, by gamifying the investment strategies and integrating an emotion engine, it provides investment insights and feedback tailored to the user's emotional state. By utilizing premium services, it can meet diverse user needs by providing advanced insights and special quests.

[2337] The following describes the processing flow.

[2338] Step 1:

[2339] User Registration

[2340] User: Sign up for the app or website upon first access and enter basic information (age, occupation, financial status, etc.).

[2341] Terminal: Receives the entered information and sends it to the server.

[2342] Step 2:

[2343] Data storage and initial analysis

[2344] Server: Stores basic user information in the database.

[2345] Server: Analyzes stored data to assess the user's initial risk tolerance and investment tendencies.

[2346] Step 3:

[2347] Collection of news and market data

[2348] Server: Regularly retrieves the latest economic news and market data from various news APIs and financial data provision services.

[2349] Step 4:

[2350] News Analysis

[2351] Generative AI: Analyzes collected news and market data as text to extract information likely to influence investments (e.g., interest rate fluctuations, corporate earnings).

[2352] Server: Based on the extracted information, it identifies economic factors likely to affect the user and generates multiple investment scenarios.

[2353] Step 5:

[2354] Generating Individual Investment Insights

[2355] Server: Matches user-specific data (basic information, past transaction history, risk tolerance) and selects applicable investment scenarios.

[2356] Generating AI: Based on user data, it generates investment insights to suggest recommended investment strategies and risk management measures.

[2357] Step 6:

[2358] Creating game elements

[2359] Server: Based on the generated investment insights, design quests and challenges (e.g., "Adjust your portfolio before the next interest rate hike").

[2360] Server: Quests will have incentives such as points, badges, and level-ups.

[2361] Step 7:

[2362] Quest notifications and displays

[2363] Terminal: Sends a notification to the user's screen to display a new quest.

[2364] Terminal: Displays quests and their details in a format that is easy for the user to understand.

[2365] Step 8:

[2366] User quest completion

[2367] User: Follow the provided quest and perform specific investment actions (e.g., buy or sell a specific stock).

[2368] Terminal: Records user actions and sends them to the server.

[2369] Step 9:

[2370] Acquisition of emotion recognition data

[2371] Device: Uses sensors such as cameras and microphones to acquire user emotion data.

[2372] Terminal: Transmits acquired emotion data to the emotion engine in real time.

[2373] Step 10:

[2374] Analysis and response to emotional data

[2375] Emotion Engine: Analyzes transmitted emotion data to identify the user's emotional state (e.g., high stress, agitated).

[2376] Server: Adjusts investment insights and quest content based on recognized emotional states (e.g., suggests low-risk investments).

[2377] Step 11:

[2378] Progress tracking and feedback

[2379] Server: Tracks the user's quest completion progress.

[2380] Server: Based on real-time data, it awards points and badges to users.

[2381] Device: Displays earned points, badges, and progress to the user.

[2382] Step 12:

[2383] Premium service registration and management

[2384] User: Register for the premium service and enter your payment information.

[2385] Server: Stores registration information and payment data, and authenticates premium users.

[2386] Step 13:

[2387] Premium content provision

[2388] Server: Generates advanced investment insights and special quests for premium users.

[2389] Device: Display premium content through a special interface, making it accessible to users.

[2390] (Example 2)

[2391] Next, we will describe Example 2. In the following description, the data processing device 12 will be referred to as the "server" and the robot 414 as the "terminal".

[2392] Traditional investment learning systems primarily provided investment strategies based on users' basic information and trading history, lacking adjustments that took into account users' emotional states and learning methods that incorporated gamification elements. As a result, it was difficult for beginners and casual users to deepen their understanding of investing or to maintain their interest and engagement. Furthermore, there was a demand for more advanced investment insights and special quests for premium service subscribers.

[2393] The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means.

[2394] This invention includes a server that collects basic user information and transaction history, analyzes the collected information to evaluate the user's risk tolerance and investment tendencies, acquires the latest news and market data and analyzes it using a generating AI, generates investment insights based on the analysis results and provides customized investment strategies for each user, creates quests and challenges to gamify investment strategies, tracks the user's quest completion status and provides incentives such as points and badges, and recognizes the user's emotional state in real time and adjusts investment insights and quest content based on the recognized emotional state. This allows users to learn about investing while maintaining their interest and receive appropriate feedback according to their emotional state. Furthermore, premium users can be provided with more advanced investment insights and special quests.

[2395] "User basic information" refers to personal information provided by the user, such as age, occupation, and financial status.

[2396] "Transaction history" refers to a record of investment transactions a user has made in the past.

[2397] "Means of collection" refers to methods and technologies for receiving basic user information and transaction history and storing it in a database.

[2398] "Means of analysis" refer to methods and techniques for analyzing collected data to evaluate users' risk tolerance and investment tendencies.

[2399] "Means of acquisition" refers to methods and technologies for collecting the latest news and market data from sources such as news APIs and financial data provision services.

[2400] "Generative AI" is an artificial intelligence model that generates customized investment insights for each user based on collected and analyzed data.

[2401] "Investment insights" refer to investment strategies and advice provided to users.

[2402] "Methods of gamification" refer to methods and techniques for creating quests and challenges based on investment insights and incorporating game elements.

[2403] A "quest" is an investment-related task or mission that a user attempts to complete.

[2404] A "challenge" is an attempt or endeavor by a user to achieve a specific investment objective or goal.

[2405] "Tracking methods" refer to methods and technologies for tracking a user's quest completion status and awarding points or badges accordingly.

[2406] "Incentives" are rewards such as points, badges, and level-ups that users can earn when completing quests and challenges.

[2407] "Emotional state" refers to the user's current emotions and stress level.

[2408] "Real-time recognition methods" refer to methods and technologies that use cameras and microphones to instantly analyze and recognize a user's emotions.

[2409] "Means of adjustment" refer to methods and techniques for appropriately modifying investment insights and quest content based on the perceived emotional state of the user.

[2410] A "premium user" is a user who pays an additional fee to access advanced services and benefits.

[2411] "Means of registration and authentication" refers to the methods and technologies used to register and authenticate users as premium users.

[2412] "Advanced investment insights" refer to insights that include more specialized and detailed investment information and strategies.

[2413] "Special quests" are special investment missions and challenges prepared exclusively for premium users and are not accessible to regular users.

[2414] This invention is a personalized investment insight system designed to enhance engagement while novice and casual investors learn about investing. The system collects and analyzes the user's basic information and past trading history, and provides customized investment strategies using the latest news and market data. Furthermore, it gamifies the process, recognizing the user's emotions in real time and adjusting feedback accordingly to provide optimal investment insights.

[2415] Server Role

[2416] Collection and analysis of user data

[2417] The server collects basic information provided by the user (e.g., age, occupation, financial status) and past transaction history, and stores this information in a database. Generative AI is used to analyze the collected data and evaluate the user's risk tolerance and investment tendencies.

[2418] Specific example: When a user provides basic information such as "30 years old, salaried worker, assets of 1 million yen," the server collects this information and uses a generating AI to assess their risk tolerance as "moderate."

[2419] Obtaining economic news and market data

[2420] The server retrieves the latest economic news and market data from news APIs (e.g., Google News API) and financial data providers (e.g., Alpha Vantage). This data is then analyzed by a generative AI to extract factors that may affect the user.

[2421] Specific example: The server retrieves information about "the risk of rising interest rates" from a news API, analyzes it using a generating AI, and presents the user with the conclusion that "the risk of rising interest rates is increasing."

[2422] Generating Investment Insights

[2423] Generating Investment Insights

[2424] The server uses AI to generate personalized investment insights for each user, based on user data, economic news, and market data analysis results. These insights are stored in a database and provided to the user.

[2425] Specific example: The generating AI creates an insight suggesting a "bond purchase" to a 30-year-old salaried user, taking into account the risk of rising interest rates.

[2426] Integration of game elements

[2427] Gamified quest generation

[2428] Based on the generated investment insights, the server designs quests and challenges that users can enjoy, incorporating game elements. Quests are equipped with incentives such as points, badges, and level-ups.

[2429] Specific example: The server generates a quest that says "Reduce risk before the next interest rate announcement" and sets "Buy bonds" as the recommended action.

[2430] Emotional engine integration

[2431] Recognizing the user's emotional state

[2432] The device uses its camera and microphone to recognize the user's emotional state in real time. This emotional data is sent to a server and analyzed by an emotion engine. Based on the analysis results, investment insights and quest content are adjusted.

[2433] Specific example: If a user experiences stress through the camera or microphone while using the system, the emotion engine recognizes this, and the server provides low-risk investment insights.

[2434] Managing premium services

[2435] The server manages premium user registration and payment information, and provides premium users with advanced investment insights and special quests.

[2436] Specific example: Premium users are offered "special quests on complex options trading" and "advanced investment analysis reports."

[2437] Example of a prompt

[2438] "Please describe in detail a scenario in which a 30-year-old office worker enters basic information and carries out a risk management quest involving bond purchases."

[2439] "Explain how the emotion engine and servers provide low-risk investment insights when users experience stress while using the system."

[2440] The above describes the specific embodiments for carrying out this invention.

[2441] The flow of the specific processing in Example 2 will be explained using Figure 13.

[2442] Program processing flow

[2443] Collection and analysis of user data

[2444] Step 1:

[2445] The server sends a request to the terminal to display the user's basic information input form.

[2446] Input: Request from the device during the first access.

[2447] Output: Request to display the basic information input form

[2448] Specific operation: The server sends an API call to the terminal, instructing it to "display the basic information form."

[2449] Step 2:

[2450] The device displays a basic information input form to the user.

[2451] Input: API request from server

[2452] Output: Display of the basic information input form screen

[2453] Specific operation: The device displays input fields on the screen for age, occupation, asset status, etc.

[2454] Step 3:

[2455] The user enters basic information (e.g., age, occupation, financial status) and presses the submit button.

[2456] Input: Basic information (e.g., "30 years old", "Salaried worker", "Assets of 1 million yen")

[2457] Output: Sending basic information to the server

[2458] Specific action: The user enters information into the form and clicks the submit button.

[2459] Step 4:

[2460] The server receives basic information sent by the user and stores it in the database.

[2461] Input: Basic information submitted by the user

[2462] Output: Saving data to the database

[2463] Specific operation: The server verifies the received data a...

Claims

1. Means for collecting basic user information and transaction history, A means of analyzing collected information to evaluate users' risk tolerance and investment tendencies, A means of acquiring economic news and market data and analyzing them using a generating AI, A means of generating investment insights based on analysis results and providing customized investment strategies for each user, A means of gamifying investment insights and creating quests and challenges, A system that tracks users' quest completion progress and includes means of providing incentives such as points and badges.

2. The system according to claim 1, comprising means for registering and authenticating premium users and providing advanced investment insights and special quests.

3. The system according to claim 1, comprising means for displaying information such as quests, progress, acquired points, and badges on the user's screen in real time.

Images