system

Abstract

We provide the system. [Solution] A means for users to input basic information, The means by which users can select the type and purpose of insurance they desire, Means for transmitting the aforementioned basic information and the type and purpose of the insurance to a server, A means for receiving the aforementioned basic information and the type and purpose of the insurance, and for selecting an insurance product using generative artificial intelligence, A means of transmitting the selected insurance product to the user terminal, A system that includes this.

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] Insurance products are very difficult and complex. Since current insurance proposals are mainly made through insurance agents, they are costly. In addition, the work content of agents is less interesting, making it difficult for young people to participate, and the aging of agents is progressing. As a result, insurance companies have less contact with young customers, and the growth of new contracts has slowed down or decreased. There is a need for a method to improve such a situation, reduce the burden on agents, and make efficient and accurate insurance proposals.

Means for Solving the Problems

[0005] The present invention provides a system that includes means for a user to input basic information, means for a user to select the type and purpose of insurance they desire, means for transmitting the basic information and the type and purpose of insurance to a server, means for receiving the basic information and the type and purpose of insurance and selecting insurance products using generative artificial intelligence, and means for transmitting the selected insurance products to the user terminal. This enables efficient insurance proposals with minimal agent intervention, allowing users to quickly and accurately choose the insurance product best suited to them.

[0006] "Basic information" refers to fundamental personal information necessary for making insurance recommendations, such as the user's age, gender, occupation, income, and family structure.

[0007] "Type and purpose of insurance" refers to information that indicates the category of insurance product the user desires (e.g., life insurance, medical insurance, education fund, etc.) and the purpose for which they choose that insurance product (e.g., for protection, for savings, etc.).

[0008] A "server" is a computing system that receives data sent from users and uses generative artificial intelligence to analyze and select data.

[0009] "Generative artificial intelligence" is an artificial intelligence technology that selects and generates the most suitable insurance product from multiple options based on user input data.

[0010] The "selection method" refers to a system that uses generative artificial intelligence to evaluate insurance products and identify the insurance product best suited to the user's needs.

[0011] A "user terminal" is a device (such as a smartphone or personal computer) used by a user to input basic information, the type and purpose of insurance, and receive insurance product proposals sent from the server as a result.

[0012] "Means of transmission" refers to a system that includes communication methods for sending data entered by the user to the server, and communication methods for sending proposals generated by the server to the user's terminal. [Brief explanation of the drawing]

[0013] [Figure 1] This is a conceptual diagram showing an example of the configuration of a data processing system according to the first embodiment. [Figure 2] This is a conceptual diagram showing an example of the essential functions of a data processing device and a smart device according to the first embodiment. [Figure 3] This is a conceptual diagram showing an example of the configuration of a data processing system according to the second embodiment. [Figure 4] This 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] This is a conceptual diagram showing an example of the configuration of a data processing system according to the third embodiment. [Figure 6] This 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] This is a conceptual diagram showing an example of the configuration of a data processing system according to the fourth embodiment. [Figure 8] This 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] This shows an emotion map where 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]

[0014] Hereinafter, an example of an embodiment of a system according to the technology of the present disclosure will be described with reference to the accompanying drawings.

[0015] First, the terms used in the following description will be explained.

[0016] In the following embodiments, the numbered processor (hereinafter simply referred to as "processor") may be a single arithmetic unit or a combination of a plurality of arithmetic units. Also, the processor may be a single type of arithmetic unit or a combination of a plurality of types of arithmetic units. Examples of arithmetic units include a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), a GPGPU (General-Purpose computing on Graphics Processing Units), an APU (Accelerated Processing Unit), and the like.

[0017] In the following embodiments, the numbered RAM (Random Access Memory) is a memory in which information is temporarily stored and is used as a work memory by the processor.

[0018] In the following embodiments, the numbered storage is one or more non-volatile storage devices that store various programs and various parameters, etc. Examples of non-volatile storage devices include flash memory (SSD (Solid State Drive)), magnetic disks (e.g., hard disks), or magnetic tapes, etc.

[0019] 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).

[0020] 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."

[0021] [First Embodiment]

[0022] Figure 1 shows an example of the configuration of the data processing system 10 according to the first embodiment.

[0023] 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.

[0024] 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).

[0025] 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.

[0026] 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.

[0027] 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.

[0028] 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.

[0029] Figure 2 shows an example of the main functions of the data processing device 12 and the smart device 14.

[0030] 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.

[0031] 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.

[0032] 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.

[0033] 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".

[0034] This invention is a system for which a user inputs basic information and, based on that information, proposes the most suitable insurance product. This system includes a user terminal, a server, and a generative artificial intelligence, and operates as follows.

[0035] 1. Enter user information

[0036] The user enters basic information (age, gender, occupation, income, family structure, etc.) through their device. For example, this would be the process of a user using a smartphone app to enter their own information. The information entered here assumes the user is 30 years old, male, an IT engineer, has an income of 6 million yen, and is married with one child.

[0037] 2. Confirming Needs

[0038] Next, the user selects the type and purpose of insurance they desire. For example, the user might choose insurance for the purpose of "children's education funds." This clarifies the user's specific needs.

[0039] 3. Sending data

[0040] The user terminal sends the entered basic information, along with the selected insurance type and purpose, to the server. This transmission process is performed in real time, and the data reaches the server as soon as the user finishes their operation.

[0041] 4. AI-based analysis

[0042] The server receives data sent by the user and performs analysis using generative artificial intelligence. The generative AI uses its algorithms and database to select the most suitable insurance product. As a result of this analysis, for example, "XX Education Insurance" might be determined to be the best option for the user.

[0043] 5. Presentation of Results

[0044] The insurance products selected by the server are generated as a detailed proposal, which is then sent to the user's terminal. The user's terminal displays the resulting proposal. The proposal includes detailed information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[0045] 6. Selection and Confirmation of Details

[0046] The user reviews the details of the proposed insurance product and requests questions or supplementary information as needed. The server generates supplementary information in response to additional questions and sends it back to the user's terminal.

[0047] 7. Final confirmation and application

[0048] If the user is satisfied with the proposed insurance product, they can proceed with the application process online through their device. The user can click the "Apply" button to proceed with the contract procedures. Finally, the server saves the application data and sends a contract confirmation to the user.

[0049] This allows users to effectively and efficiently select the most suitable insurance product without going through an agent. It also reduces the burden on agents, increases contact with younger customer segments, and promotes contract growth.

[0050] The following describes the processing flow.

[0051] Step 1:

[0052] The system displays a screen where the user enters basic information via their device. The user enters information such as age, gender, occupation, income, and family structure.

[0053] Step 2:

[0054] The terminal temporarily saves the entered basic information and displays a screen where the user can select the type and purpose of insurance they desire.

[0055] Step 3:

[0056] The user selects the type and purpose of insurance they want. For example, they might choose insurance to fund their child's education.

[0057] Step 4:

[0058] The device combines basic information and the type and purpose of insurance into a single data package.

[0059] Step 5:

[0060] The terminal sends the data package to the server.

[0061] Step 6:

[0062] The server receives the data package.

[0063] Step 7:

[0064] The server uses generative artificial intelligence to analyze the user's basic information, as well as the type and purpose of insurance, and selects the most suitable insurance product.

[0065] Step 8:

[0066] The server generates details of the selected insurance product (features, monthly premium, coverage, benefits, etc.) and creates a proposal.

[0067] Step 9:

[0068] The server sends the proposal to the terminal.

[0069] Step 10:

[0070] The terminal receives the proposal and displays it to the user.

[0071] Step 11:

[0072] Users review the details of the proposed insurance product and ask questions or request additional information as needed.

[0073] Step 12:

[0074] The server generates supplementary information in response to the additional request and sends it back to the terminal.

[0075] Step 13:

[0076] The device receives supplementary information and displays it to the user.

[0077] Step 14:

[0078] If the user is satisfied with the proposed insurance product, they can proceed with the application process online.

[0079] Step 15:

[0080] The terminal sends the application data to the server.

[0081] Step 16:

[0082] The server saves the application data and generates a contract confirmation document.

[0083] Step 17:

[0084] The server sends the contract confirmation to the terminal.

[0085] Step 18:

[0086] The device displays the contract confirmation and prompts the user for final confirmation.

[0087] These steps provide a system that enables automated and efficient insurance proposal and contract procedures through the collaboration of servers, terminals, and users.

[0088] (Example 1)

[0089] 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."

[0090] Traditional insurance product selection systems required users to spend a significant amount of time and effort finding the optimal insurance product on their own, often necessitating the assistance of an agent. This created a problem where insurance products were difficult to access, especially for younger generations of users. Furthermore, there was the issue of users having difficulty obtaining appropriate information in real time when seeking detailed questions or supplementary information.

[0091] 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.

[0092] In this invention, the server includes means for the user to input basic information, means for the user to select the type and purpose of insurance they desire, means for transmitting the basic information and the type and purpose of insurance to the server, means for receiving the basic information and the type and purpose of insurance and selecting an insurance product using generative artificial intelligence, means for transmitting the selected insurance product to the user terminal, means for the user to confirm the details of the proposed insurance product and request additional questions or supplementary information, means for generating supplementary information in response to the additional questions or supplementary information and transmitting it to the user terminal, and means for the user to complete the application procedure online. As a result, the user can quickly and efficiently select the optimal insurance product, obtain detailed questions and supplementary information in real time, and complete the application procedure online without the need for an agent.

[0093] A "user" refers to an individual who uses the system to select and apply for insurance products.

[0094] "Basic information" refers to personal information entered by the user, such as age, gender, occupation, income, and family structure.

[0095] "Types of insurance" refer to the categories of insurance that users choose based on their purpose, such as "children's education funds," "medical expenses," or "retirement funds."

[0096] "Purpose" refers to the specific reasons or goals a user has when choosing insurance.

[0097] A "server" refers to a centralized device that receives data sent from user terminals, performs analysis, and sends the results back to the user terminals.

[0098] "Generative artificial intelligence" refers to algorithms and models that recommend the most suitable insurance products based on data input by users.

[0099] "Selection" refers to the process of identifying and selecting the most suitable insurance product using generative artificial intelligence.

[0100] A "user terminal" is a device used by a user to operate the system, and includes smartphones and PCs.

[0101] A "proposal" refers to a document provided to the user containing detailed information after a generative artificial intelligence has selected an insurance product.

[0102] "Supplemental information" refers to additional details that the user requests regarding the proposed insurance product.

[0103] "Application process" refers to the series of actions a user takes to ultimately apply for an insurance product.

[0104] This invention is a system for which a user inputs basic information and, based on that information, proposes the most suitable insurance product. This system includes a user terminal, a server, and a generative artificial intelligence system. Embodiments of this system are described below.

[0105] First, the user enters basic information through their device. Specifically, they enter information such as age, gender, occupation, income, and family structure. For example, suppose the user is a 30-year-old male, works as an IT engineer, earns 6 million yen annually, is married, and has one child. This operation is performed using a smartphone app or a PC web browser.

[0106] Next, the user selects the type and purpose of insurance they want based on their needs. For example, selecting insurance for "children's education funds" clarifies the user's specific needs. This selection is also made using radio buttons or dropdown menus displayed on the device screen.

[0107] Subsequently, the user terminal sends the entered basic information and the selected insurance type and purpose to the server. This transmission process is performed in real time using the HTTP / HTTPS protocol. Specifically, the data is converted to JSON format and sent to the specified endpoint on the server.

[0108] The server receives data sent by the user and performs analysis using generative artificial intelligence. Specifically, GPT-3 (registered trademark) is used as the generative AI. This AI selects the optimal insurance product based on past data and current options. Through this analysis, for example, "XX Education Insurance" might be determined to be the best option for the user.

[0109] The server generates a detailed proposal for the selected insurance product and sends it to the user's terminal. The user can then view the proposal on their terminal. The proposal includes detailed information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[0110] If a user reviews the details of a proposed insurance product and has further questions or requests for additional information, they can make additional requests to the server. For example, they might type and send a question from their device such as, "What is the surrender value of this insurance?" The server receives this request, uses AI to generate supplementary information, and sends it back to the user's device.

[0111] Finally, if the user is satisfied with the proposed insurance product, they proceed with the application process online through their device. By clicking the "Apply" button, the user can proceed to the contract procedures. Lastly, the server saves the application data to the database and sends a contract confirmation to the user.

[0112] This allows users to quickly and efficiently select the most suitable insurance product and complete the application process online without the need for an agent. Furthermore, they can obtain detailed questions and supplementary information in real time, enabling them to make more informed decisions.

[0113] Examples of specific cases and prompt statements

[0114] Specific example

[0115] The user enters the following information using the smartphone app:

[0116] Age: 30

[0117] Gender: Male

[0118] Occupation: IT Engineer

[0119] Annual income: 6 million yen

[0120] Family structure: Married, 1 child

[0121] Next, the user selects an insurance policy aimed at "children's education funds." The AI ​​determines that "XX Education Insurance" is the best option and generates and sends a proposal for a monthly premium of 10,000 yen with a savings amount of 10 million yen. The user reviews the proposal and can request questions or additional information, to which the server provides further information. Finally, the user completes the application and receives a contract confirmation.

[0122] Example of a prompt

[0123] "A 30-year-old male IT engineer with an annual income of 6 million yen, married with one child, has chosen insurance to fund his child's education. Please suggest the most suitable insurance product."

[0124] The flow of the specific processing in Example 1 will be explained using Figure 11.

[0125] Step 1:

[0126] The user enters basic information through the device. This information includes age, gender, occupation, income, and family structure. For example, the user might enter "30 years old, male, IT engineer, annual income of 6 million yen, married, 1 child." This information is temporarily stored in the device's memory.

[0127] Input: Age, gender, occupation, income, family structure

[0128] Output: Basic information temporarily stored in memory

[0129] Step 2:

[0130] The user selects the type and purpose of insurance they desire. For example, they might choose insurance for "children's education funds." This defines the user's specific needs. The selected information is also saved to the device's memory.

[0131] Input: Type and purpose of insurance

[0132] Output: Insurance type and purpose temporarily stored in memory

[0133] Step 3:

[0134] The user's device sends basic information and the selected insurance type and purpose to the server. This transmission occurs in real time, and the data is converted to JSON format and sent via the HTTP / HTTPS protocol. For example, a POST request is sent to the " / api / user-info" endpoint.

[0135] Input: Basic information stored in memory, as well as the type and purpose of insurance.

[0136] Output: User data sent to the server

[0137] Step 4:

[0138] The server sends the received data to a generative artificial intelligence (AI) for analysis. An AI model such as GPT-3 is used. This model recommends the most suitable insurance product based on past data and current options. For example, "XX Education Insurance" might be selected.

[0139] Input: User data

[0140] Output: Optimal insurance product as a result of analysis

[0141] Step 5:

[0142] The server generates the analysis results in JSON format and sends them to the user's terminal. On the user's terminal, it is displayed as a proposal. The proposal includes detailed information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[0143] Input: Analysis results

[0144] Output: Proposal displayed on the user's terminal

[0145] Step 6:

[0146] The user reviews the details of the proposed insurance product and requests additional questions or supplementary information. For example, they might input a question like, "What is the surrender value of this insurance?" and send it from their device to the server. The server then inputs the question back into the AI, generates supplementary information, and sends it back to the user's device.

[0147] Input: User's question or request for additional information

[0148] Output: Supplementary Information

[0149] Step 7:

[0150] The user completes the application process online. When the user clicks the "Apply" button, the device sends the application data to the server. The server stores this data in its database, generates a contract confirmation document, and sends it to the user.

[0151] Input: User application data

[0152] Output: Saved application data and submitted contract confirmation

[0153] (Application Example 1)

[0154] 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."

[0155] Currently, selecting and applying for insurance products is complex, and many users spend considerable time and effort choosing the right product. Furthermore, the process often involves insurance agents, resulting in cumbersome procedures and significant costs. This makes it difficult for users to quickly select and easily apply for insurance products that best suit their needs.

[0156] 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.

[0157] In this invention, the server includes means for the user to input basic information, means for the user to select the type and purpose of insurance they desire, means for transmitting the basic information and the type and purpose of insurance to the server, means for receiving the basic information and the type and purpose of insurance and selecting an insurance product using generative artificial intelligence, means for proposing the insurance product selected by the generative artificial intelligence in detail, and means for transmitting the selected insurance product to the user terminal and allowing the user to proceed with the application process online through the terminal. This enables the user to quickly and effectively select the most suitable insurance product and apply easily.

[0158] "Basic information" refers to data necessary to understand the characteristics of each individual user, such as their age, gender, occupation, income, and family structure.

[0159] "Type and purpose of insurance" refers to data indicating the type of insurance the user desires (e.g., life insurance, medical insurance, etc.) and the purpose of purchasing insurance (e.g., securing funds for a child's education, etc.).

[0160] A "server" is an information processing device that receives basic information and the type and purpose of insurance sent by the user, analyzes this data using generative artificial intelligence, selects the most suitable insurance product, and sends it to the user's terminal.

[0161] "Generative artificial intelligence" is an artificial intelligence technology equipped with advanced algorithms that automatically generate insurance product proposals based on input data.

[0162] An "insurance product" refers to a contract offered by an insurance company, and it is a financial product that allows users to manage risk by selecting the product they want.

[0163] A "user terminal" refers to an information processing device used by a user, such as a smartphone or personal computer, that is capable of input and display.

[0164] The "application process" refers to a series of steps taken when a user applies for a contract for an insurance product they have selected, and this process can be completed entirely online.

[0165] The "means of providing detailed suggestions" refer to a function that presents the contents of insurance products selected by the generative artificial intelligence to the user in a specific and comprehensive manner.

[0166] To implement this invention, a system including a user terminal, a server, and a generative artificial intelligence system is required. The components of this system and their operation are described below.

[0167] First, the user uses a user device (such as a smartphone or computer) to enter basic information. The user enters basic information such as age, gender, occupation, income, and family structure. Next, the user selects the type and purpose of the insurance they want. This information is provided when the user enters specific needs, such as "children's education funds" or "health insurance."

[0168] This basic information, along with the type and purpose of the insurance, is sent from the user's terminal to the server. The transmission process is performed in real time, and the data reaches the server as soon as the user's operation is completed.

[0169] The server uses generative artificial intelligence (AI) to analyze the received data. This AI uses advanced algorithms to select the most suitable insurance product for the user's needs. The AI ​​used here is, for example, OpenAI's GPT-3 model, which proposes appropriate insurance products based on user information.

[0170] Examples of specific prompt messages are shown below.

[0171] User information:

[0172] Age: 30, Gender: Male, Occupation: IT Engineer, Income: 6 million yen, Family: Married, 1 child

[0173] Please suggest the most suitable insurance product for this user. Their needs include insurance products related to their children's education expenses.

[0174] Insurance products selected by the generative artificial intelligence are sent from the server to the user terminal as detailed recommendations. The user terminal displays detailed information about the selected insurance products. This information includes the product name, monthly premium, and savings amount.

[0175] After the user reviews the details of the proposed insurance product and is satisfied, they proceed with the application process online through their device. During this process, the user can click the "Apply" button to proceed with the contract procedures. The server then saves the application data and sends a contract confirmation to the user.

[0176] This system allows users to quickly and effectively select the insurance product best suited to their needs and apply for it easily. Furthermore, by eliminating the need for insurance agents, it reduces the burden on users and makes insurance products more accessible to a wider range of customers.

[0177] The flow of a specific process in Application Example 1 will be explained using Figure 12.

[0178] Step 1:

[0179] The user enters basic information.

[0180] On the user terminal, the user enters basic information such as their age, gender, occupation, income, and family structure. This input data is stored in the application on the user terminal.

[0181] Step 2:

[0182] The user selects the type and purpose of insurance they want.

[0183] On the user's terminal, the user selects the type of insurance (e.g., life insurance, health insurance) and purpose (e.g., children's education funds), and the selected data is stored in the terminal's application.

[0184] Step 3:

[0185] Basic information, along with the type and purpose of the insurance, is sent to the server.

[0186] The user's terminal sends the entered basic information and the selected type and purpose of insurance to the server. The server receives the transmitted data and prepares it for analysis.

[0187] Step 4:

[0188] The server uses generative artificial intelligence to select insurance products.

[0189] The server analyzes the data using generative artificial intelligence (e.g., the GPT-3 model) based on the user's basic information and the type and purpose of insurance received, and selects the most suitable insurance product. The generative artificial intelligence performs the analysis based on prompt statements like the following.

[0190] User information:

[0191] Age: 30, Gender: Male, Occupation: IT Engineer, Income: 6 million yen, Family: Married, 1 child

[0192] Please suggest the most suitable insurance product for this user. Their needs include insurance products related to their children's education expenses.

[0193] Based on the input data, the AI ​​model generates appropriate insurance products, and the results are output to the server.

[0194] Step 5:

[0195] We will provide a detailed proposal for the selected insurance products.

[0196] The server generates details of insurance products selected by a generative artificial intelligence system and prepares a detailed proposal for the user's terminal. This proposal includes information such as the product name, monthly premium, and savings amount.

[0197] Step 6:

[0198] The selected insurance products are sent to the user's terminal.

[0199] The server sends the details of the generated insurance product proposal to the user's terminal. The transmitted data is received by the user's terminal and prepared for display.

[0200] Step 7:

[0201] The user proceeds with the application process online through their device.

[0202] The user reviews the details of the proposed insurance product on their device, and if they are satisfied, they proceed with the application process online. When the user clicks the "Apply" button, the application data is sent to the server. The server saves the application data and sends a contract confirmation to the user.

[0203] This processing step allows users to quickly and efficiently select the most suitable insurance product and complete a simple online application process.

[0204] 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.

[0205] This invention combines a system that takes basic information from the user and proposes the most suitable insurance product based on that information with an emotion engine. This system includes a user terminal, a server, a generative artificial intelligence system, and an emotion engine, and operates as follows.

[0206] 1. Enter user information

[0207] The user enters basic information (age, gender, occupation, income, family structure, etc.) through their device. For example, this would be the process of a user using a smartphone app to enter their own information. The information entered here assumes the user is 30 years old, male, an IT engineer, has an income of 6 million yen, and is married with one child.

[0208] 2. Recognition of emotions

[0209] While the user is entering basic information, the emotion engine analyzes the user's facial expressions and voice tone through the device's camera and microphone. For example, if the user's face shows tension or anxiety while they are entering information, the engine recognizes that emotion.

[0210] 3. Confirming Needs

[0211] Next, the user selects the type and purpose of insurance they desire. For example, the user might choose insurance for the purpose of "children's education funds." The emotion engine continues to monitor the user's emotions throughout this process.

[0212] 4. Sending data

[0213] The user terminal sends the entered basic information, selected insurance type and purpose, and emotional data to the server as a single data package.

[0214] 5. Data reception and analysis

[0215] The server receives the data package and uses generative artificial intelligence to analyze the user's basic information, insurance type and purpose, and emotional data. The generative AI takes the emotional data into consideration to make a comprehensive judgment, such as whether the user is relaxed or anxious, and selects the most suitable insurance product.

[0216] 6. Presentation of Results

[0217] A proposal document containing details of the selected insurance product (features, monthly premium, coverage, benefits, etc.) is generated by the server and sent to the user's terminal. For example, the proposal document may include information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[0218] 7. Real-time feedback

[0219] The emotion engine re-evaluates the user's emotions when viewing the proposal and provides additional explanations and advice in real time to help the user understand. For example, if the user makes a questioning expression, the system will display a prompt such as, "Shall I explain this part in more detail?"

[0220] 8. Selection and confirmation of details

[0221] The user reviews the details of the proposed insurance product and requests questions or supplementary information as needed. The server generates supplementary information in response to additional questions and sends it back to the user's terminal. The emotion engine monitors the user's emotions throughout this process.

[0222] 9. Final confirmation and application

[0223] If the user is satisfied with the proposed insurance product, they can proceed with the application process online through their device. The user can click the "Apply" button to proceed with the contract procedures. Finally, the server saves the application data and sends a contract confirmation to the user.

[0224] This allows users to receive emotionally sensitive service while efficiently and effectively selecting the optimal insurance product without the need for an agent. It also reduces the burden on agents, increases contact with younger customer segments, and promotes contract growth.

[0225] The following describes the processing flow.

[0226] Step 1:

[0227] The device displays a screen where the user enters basic information. The user enters their age, gender, occupation, income, family structure, etc.

[0228] Step 2:

[0229] The device temporarily stores the entered basic information, activates the camera and microphone, and begins emotion recognition using the emotion engine.

[0230] Step 3:

[0231] The emotion engine analyzes the user's facial expressions and tone of voice to recognize their emotional state during input. For example, if the user has an anxious expression, that information is recorded.

[0232] Step 4:

[0233] The device displays a screen prompting the user to select the desired type and purpose of insurance.

[0234] Step 5:

[0235] The user selects the type and purpose of insurance they want. Example: The user selects "Children's Education Funds".

[0236] Step 6:

[0237] The emotion engine continues to monitor the user's emotions and record the emotional state being selected. For example, if the user has a relaxed expression, that information is also recorded.

[0238] Step 7:

[0239] The device sends basic information, insurance type and purpose, and emotional data to the server as a single data package.

[0240] Step 8:

[0241] The server receives the data package.

[0242] Step 9:

[0243] The server uses generative artificial intelligence to analyze the user's basic information, insurance type and purpose, and emotional data.

[0244] Step 10:

[0245] The server uses generative artificial intelligence to select the most suitable insurance product, taking into account the user's emotional state. For example, if emotional data indicates the user is feeling anxious, it will select an insurance product that can alleviate that anxiety.

[0246] Step 11:

[0247] The server generates details of the selected insurance product and compiles them into a proposal. The proposal includes product features, monthly premiums, coverage, and benefits.

[0248] Step 12:

[0249] The server sends the proposal to the terminal.

[0250] Step 13:

[0251] The terminal receives the proposal and displays it to the user. The proposal includes details such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[0252] Step 14:

[0253] The emotion engine re-evaluates the user's emotions while they are viewing the proposal and provides additional explanations and advice in real time as needed. For example, if the user has a questioning expression, it will display a prompt such as, "Do you need more explanation about this part?"

[0254] Step 15:

[0255] Users review the details of the proposed insurance product and ask questions or request additional information as needed.

[0256] Step 16:

[0257] The server generates supplementary information in response to the additional questions and sends it back to the terminal.

[0258] Step 17:

[0259] The device receives supplementary information and displays it to the user.

[0260] Step 18:

[0261] If the user is satisfied with the proposed insurance product, they can proceed with the application process online.

[0262] Step 19:

[0263] The terminal sends the application data to the server.

[0264] Step 20:

[0265] The server saves the application data and generates a contract confirmation document.

[0266] Step 21:

[0267] The server sends the contract confirmation to the terminal.

[0268] Step 22:

[0269] The device displays the contract confirmation and prompts the user for final confirmation.

[0270] These steps provide a system where servers, terminals, and users work together to deliver emotionally sensitive, efficient, and highly accurate insurance proposals and contract procedures.

[0271] (Example 2)

[0272] 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".

[0273] Traditional insurance selection systems often provide proposals without considering the user's emotional state, leading to users feeling anxious or doubtful about the proposed content. Furthermore, users often require the assistance of an agent when choosing insurance products, resulting in inefficiency and hindering adoption, particularly among younger customer segments.

[0274] The identification processing performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means. In this invention, the server includes means for the user to input basic information, means for the user to select the type and purpose of insurance they wish to have, emotion analysis means for recognizing the user's basic information and the selected type and purpose of insurance through the terminal's camera or microphone, means for transmitting the basic information, type and purpose of insurance, and emotion data to the server, means for receiving the basic information, type and purpose of insurance, and emotion data and selecting the optimal insurance product using generative artificial intelligence, means for transmitting a proposal document regarding the selected insurance product to the user terminal, and means for re-recognizing the user's emotions when the proposal document is displayed and providing additional explanations and advice in real time. This makes it possible to propose the optimal insurance product that takes the user's emotions into consideration, allowing the user to feel secure about the proposed content and make an efficient and confident selection.

[0275] "Basic information" refers to personal information entered by the user, such as age, gender, occupation, income, and family structure.

[0276] "Type and purpose of insurance" refers to the category of insurance product selected by the user and the purpose for which they enroll.

[0277] "Emotion analysis means" refers to a function that uses the device's camera and microphone to analyze the user's facial expressions and tone of voice, and recognize the user's emotional state.

[0278] The "generative artificial intelligence" is an algorithm or model that performs natural language processing and data analysis based on the input data to propose an optimal insurance product.

[0279] The "data package" is a transfer unit that combines the user's basic information, insurance type and purpose, and emotional data.

[0280] The "proposal document" is a document containing the detailed information of the insurance product generated by the server.

[0281] The "means of providing in real time" is a function that recognizes the user's emotion again when the proposal document is displayed and immediately provides additional explanations and advice according to the user's reaction.

[0282] The "user terminal" is a device such as a smartphone, tablet, PC, etc. that the user operates.

[0283] The "server" is a central device that receives the data transmitted from the user terminal and performs analysis and processing.

[0284] This invention combines an emotion analysis means with a system that allows a user to input basic information and propose an optimal insurance product based on it. This system includes a user terminal, a server, a generative artificial intelligence, and an emotion analysis means.

[0285] First, the user inputs basic information through the terminal. This basic information includes age, gender, occupation, income, family composition, etc. The user terminal can be a smartphone, tablet, PC, etc., and the user uses a dedicated app or web form to input the information. For example, the user may input "Age: 30 years", "Gender: Male", "Occupation: IT engineer", "Income: 6 million yen", "Family composition: Married, 1 child".

[0286] Next, using the terminal's camera and microphone, the emotion analysis means analyzes the user's expression and voice tone. For example, the camera captures the user's face and recognizes micro-expressions indicating tension or anxiety. Also, the microphone analyzes the user's voice tone to determine the emotional state. This emotional data is collected in real-time during the user's input operation.

[0287] After that, the user selects the type and purpose of insurance they desire through the terminal interface. For example, select insurance for the purpose of "children's education funds". During this time, the emotion analysis means continues to monitor the user's emotions.

[0288] The user terminal sends the input basic information, the selected type and purpose of insurance, and the emotional data to the server as one data package. A secure communication protocol such as HTTPS is used for this transmission.

[0289] The server receives the data package and analyzes the data using a generative artificial intelligence (e.g., GPT-3 of OpenAI). The server selects the optimal insurance product based on the user's basic information, the type and purpose of insurance, and the emotional data. The generative artificial intelligence also considers the emotional data and comprehensively judges situations such as when the user is relaxed or feeling anxious.

[0290] As a result, the server generates a proposal for the selected insurance product and sends it to the user terminal. The proposal includes details such as "product name", "monthly insurance premium", "coverage", "advantages", etc. For example, information such as "product name: XX education insurance", "monthly insurance premium: 10,000 yen", "savings amount: 10 million yen" is described.

[0291] At the same time as the terminal displays the proposal, the emotion analysis means re-analyzes the user's expression. If the user has a confused expression, the system displays a prompt such as "Would you like a detailed explanation of this part?"

[0292] Users can review the details of the proposed insurance product and request additional information. For example, a user might ask, "What are the benefits of this insurance?" The server uses generative artificial intelligence to create supplementary information and resends it to the terminal. Throughout this process, the sentiment analysis system monitors the user's emotions.

[0293] Finally, once the user is satisfied with the proposed insurance product, they click the "Apply" button to proceed with the online application process. The server saves the application data and sends a contract confirmation to the user.

[0294] A possible prompt would be: "I am 30 years old, male, an IT engineer, and earn 6 million yen. I am looking for insurance to fund my children's education."

[0295] This system allows users to receive emotionally sensitive service and efficiently and effectively select the optimal insurance product without the need for an agent. It also reduces the burden on agents, increases contact with younger customer segments, and promotes contract growth.

[0296] The flow of the specific processing in Example 2 will be explained using Figure 13.

[0297] Step 1:

[0298] Users enter basic information through their devices. Users use smartphone apps or web forms to enter basic information such as age, gender, occupation, income, and family structure. Specifically, they might enter information like: "Age: 30," "Gender: Male," "Occupation: IT Engineer," "Income: 6 million yen," and "Family Structure: Married, 1 child." The entered data is temporarily stored in the device's internal storage.

[0299] Step 2:

[0300] The terminal performs sentiment analysis using a camera and a microphone. While the user is inputting basic information, the terminal's camera captures the user's expression and the microphone records the tone of voice. The sentiment analysis engine analyzes these data in real time and recognizes the user's emotional state (such as tension, anxiety, relaxation, etc.). As a result, sentiment data is generated.

[0301] Step 3:

[0302] The user selects the type and purpose of insurance they desire. Through the terminal's interface, the user selects types of insurance such as "education fund insurance" or "pension fund insurance" and sets the purpose. This input data is also saved in the terminal's internal storage.

[0303] Step 4:

[0304] The terminal sends the input basic information, the selected type and purpose of insurance, and the sentiment data to the server as one data package. This data package contains all the information input by the user and the result of the sentiment analysis. The data is securely sent using the HTTPS protocol.

[0305] Step 5:

[0306] The server receives the data package and starts analyzing. It extracts the basic information, the type and purpose of insurance, and the sentiment data from the received data package. The server uses a generative artificial intelligence (e.g., GPT-3 of OpenAI) to analyze these data and selects the optimal insurance product considering the user's needs and emotional state. As a result, a list of insurance product candidates is listed.

[0307] Step 6:

[0308] The server generates a proposal document containing details of the selected insurance product and sends it to the user's terminal. The proposal document includes details such as "product name," "monthly premium," "coverage," and "benefits." For example, it may include information such as "product name: XX Education Insurance," "monthly premium: 10,000 yen," and "savings amount: 10 million yen." The proposal document is generated in PDF or HTML format.

[0309] Step 7:

[0310] The user's terminal displays the proposal, and the emotion analysis engine re-analyzes the user's facial expressions. The system analyzes the user's reactions to the proposal (confusion, understanding, agreement, etc.) in real time and provides additional explanations or advice as needed. For example, if the user shows a confused expression, a prompt such as "Shall I explain this part in more detail?" is displayed.

[0311] Step 8:

[0312] When a user reads a proposal and has questions or concerns, they send a request from their device to the server. The server uses generative artificial intelligence to generate supplementary information and answers to the user's questions and resends them to the device. For example, if a user asks, "What are the benefits of this insurance?", the server will provide detailed information such as, "Benefits: Low cost, wide coverage, high savings rate."

[0313] Step 9:

[0314] The user agrees to the proposed insurance product and begins the application process. Clicking the "Apply" button on the terminal initiates the contract process. The server receives the application data, generates a contract confirmation document, and sends it to the user. Generative artificial intelligence is also used in this confirmation document to verify that the user's input information matches the contract details. Finally, the contract data is saved on the server.

[0315] Through the processing steps described above, this system can propose the most suitable insurance product that takes the user's emotions into consideration, and provide efficient and reliable service.

[0316] (Application Example 2)

[0317] Next, we will explain application example 2. In the following explanation, the data processing device 12 will be referred to as a "server" and the smart device 14 as a "terminal".

[0318] In physical stores, a challenge is to improve the customer purchasing experience by making optimal product recommendations based on the customer's emotional state. Traditional face-to-face customer service makes it difficult to accurately grasp customer emotions, sometimes resulting in inappropriate recommendations. To solve this problem, a system is needed that analyzes customer emotional data in real time and makes product recommendations based on that information.

[0319] The specific processing performed by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means.

[0320] In this invention, the server includes means for analyzing the user's facial expressions and tone of voice to recognize emotions, means for receiving the basic information, the type and purpose of the product, and emotion data, and for selecting the optimal product using generative artificial intelligence, and means for transmitting the selected product to the user terminal. This makes it possible to make optimal product suggestions based on the customer's emotional state.

[0321] "A means by which users input basic information via a device" refers to an interface that allows customers to input basic information such as their age, gender, occupation, income, and family structure through a device they use (such as a smartphone, tablet, or personal computer).

[0322] "A means for users to select the type and purpose of the product they desire" refers to an interface for customers to select the product category they are considering purchasing (e.g., home appliances, clothing, food, etc.) and its purpose (e.g., gift, personal use, etc.).

[0323] "Methods for analyzing a user's facial expressions and voice tone to recognize emotions" refers to technologies and software that use cameras and microphones to analyze a customer's facial expressions and voice tone, and then determine the customer's emotional state (e.g., joy, surprise, sadness, confusion, etc.) from the results.

[0324] "Means for transmitting basic information, product type and purpose, and sentiment data to a server" refers to the function of transmitting the basic information entered by the customer, the selected product category and purpose, and the analyzed sentiment data to a central server via the network.

[0325] "A means of receiving basic information, product type and purpose, and sentiment data, and selecting the optimal product using generative artificial intelligence" refers to a function that uses generative artificial intelligence to select the most suitable product for a customer based on the customer's basic information, product type and purpose, and sentiment data received by the server.

[0326] "Means for sending selected products to the user's terminal" refers to a function that sends information about the optimal products selected by the server back to the customer's device and displays or notifies them.

[0327] "A means of displaying details of selected products" refers to an interface that displays information about selected products (features, price, benefits, etc.) in an easy-to-understand format on the customer's device.

[0328] "Generative artificial intelligence" refers to artificial intelligence that has the ability to create new information based on large amounts of data, and in particular, it makes optimal product suggestions based on natural language processing and predictive models.

[0329] "Emotional data" refers to information about a customer's emotional state obtained by analyzing their facial expressions and tone of voice, and is used to improve the quality of the services provided.

[0330] This invention describes embodiments for carrying out this invention. This invention takes basic user information as input, analyzes emotional data, and suggests the most suitable product. The system includes a user terminal, a server, a generative artificial intelligence, and an emotional analysis engine. It operates as follows:

[0331] 1. Enter user information

[0332] Users enter basic information (age, gender, occupation, income, family structure, etc.) via a device such as a smartphone or tablet. For example, if a user is 30 years old, male, works as an IT engineer, earns 6 million yen, and is married with one child, they would enter this information into the application.

[0333] 2. Selection of product type and purpose

[0334] Users select the type and purpose of the product they want through their device. For example, a user might select "home appliances" and specify the purpose as "for home use." This allows the system to understand exactly what the user is trying to purchase.

[0335] 3. Recognition of emotions

[0336] While the user is entering basic information, the emotion engine analyzes the user's facial expressions and voice tone through the device's camera and microphone. For example, if the user's face shows tension or anxiety while they are entering information, the engine recognizes that emotion.

[0337] 4. Sending data

[0338] The user terminal transmits basic information, selected product type and purpose, and sentiment data to the server. This data is securely transmitted to the server over the network.

[0339] 5. Data reception and analysis

[0340] The server analyzes all received data. Using generative artificial intelligence (such as GPT-3), the server integrates basic user information, product type and purpose, and emotional data to select the most suitable product for the user. Emotional state plays a crucial role in this analysis, considering factors such as whether the user is relaxed, worried, or excited.

[0341] 6. Presentation of Results

[0342] A proposal document containing details of the optimal product selected by the server (e.g., "recommended TV model name," "price," "features," etc.) is generated and sent to the user's terminal. For example, if the user is relaxed, the proposal will emphasize detailed specifications and benefits.

[0343] 7. Real-time feedback

[0344] The emotion engine continuously monitors the user's emotions while they are viewing the proposal. If the user shows a questioning expression, the system will display additional explanations or advice, such as, "Shall I explain this part in more detail?" This allows the user to confidently select a product.

[0345] Specific example

[0346] While a customer is watching TV in the store, their smartphone camera captures their face and analyzes their facial expressions and tone of voice. If the customer appears confused, the system provides real-time feedback such as, "This TV is perfect for your needs. Shall I explain more?"

[0347] Examples of prompts for generative AI models

[0348] Customer Information: {'age': 30, 'gender': 'male', 'preferences': ['electronics', 'gaming']}

[0349] Emotional State: {'happiness': 0.2, 'sadness': 0.6, 'surprise': 0.2}

[0350] Suggest relevant products:

[0351] In this way, by making product suggestions that take the user's emotional state into consideration, it becomes possible to provide a more personalized purchasing experience.

[0352] The flow of a specific process in Application Example 2 will be explained using Figure 14.

[0353] Step 1:

[0354] The user enters basic information through the device.

[0355] Specific operation: The user enters basic information such as age, gender, occupation, income, and family structure into an input form on their smartphone or tablet.

[0356] Input: Basic information such as age, gender, occupation, income, and family structure.

[0357] Data processing and calculations: Convert input information into a unified format and prepare it for use in subsequent processing.

[0358] Output: Formatted basic information data.

[0359] Step 2:

[0360] The user selects the type and purpose of the product they want.

[0361] Specific operation: The user selects, for example, "Home Appliances" from the options within the application and specifies its purpose as "Household."

[0362] Input: Product type and purpose.

[0363] Data processing and calculations: Categorize selected information and prepare it in a format that can be used for subsequent processing.

[0364] Output: Formatted product type and purpose data.

[0365] Step 3:

[0366] The device analyzes the user's facial expressions and voice tone through its camera and microphone.

[0367] Specific operation: The device's camera recognizes the user's face, and the microphone captures the tone of their voice. An emotion analysis engine (such as EmotionRecognizer) performs the analysis in real time.

[0368] Input: Image data from the camera, audio data from the microphone.

[0369] Data processing and calculation: Image and audio data are input into the emotion analysis engine to determine emotional states such as joy, surprise, sadness, and confusion.

[0370] Output: Analyzed sentiment data.

[0371] Step 4:

[0372] The user terminal transmits basic information, product type and purpose, and sentiment data to the server.

[0373] Specific operation: The device combines all the information it has collected so far into a single data package and sends it to the server via the network.

[0374] Input: Basic information, product type and purpose, sentiment data.

[0375] Data processing and computation: Generation and transmission of data packages.

[0376] Output: Data packaged on the server.

[0377] Step 5:

[0378] The server analyzes the received data and uses generative artificial intelligence to select the most suitable product.

[0379] Specific operation: The server receives the data package and analyzes basic information, product type and purpose, and sentiment data. It then prompts a generative artificial intelligence (such as GPT-3) to generate optimal product suggestions.

[0380] Input: Data package sent to the server.

[0381] Data processing and calculation: Evaluate and analyze basic information and emotional data, generate prompt sentences, input them into a generative AI model, and obtain the results.

[0382] Output: Optimal product suggestions obtained from a generative AI model.

[0383] Example of a prompt:

[0384] Customer Information: {'age': 30, 'gender': 'male', 'preferences': ['electronics', 'gaming']}

[0385] Emotional State: {'happiness': 0.2, 'sadness': 0.6, 'surprise': 0.2}

[0386] Suggest relevant products:

[0387] Step 6:

[0388] Details of the selected product are sent to the user's terminal.

[0389] Specific operation: The server sends the generated product suggestions to the user's terminal.

[0390] Input: Product suggestions obtained from a generative AI model.

[0391] Data processing and calculation: Format the proposed content into an easy-to-read format and convert it into data for notification or display.

[0392] Output: Detailed product information sent to the user's terminal.

[0393] Step 7:

[0394] The emotion engine monitors the user's emotions when viewing the proposal and provides real-time feedback.

[0395] Specific operation: When displaying the details of a submitted product, the device's camera and microphone again monitor the user's reaction, and if any questions or confusion are detected, the sentiment engine displays appropriate additional explanations or advice in real time.

[0396] Input: Real-time user facial expression data and voice data.

[0397] Data processing and computation: Reanalysis of emotional data and feedback generation.

[0398] Output: Real-time additional explanations and advice.

[0399] 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.

[0400] 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.

[0401] 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.

[0402] [Second Embodiment]

[0403] Figure 3 shows an example of the configuration of the data processing system 210 according to the second embodiment.

[0404] 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.

[0405] 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).

[0406] 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.

[0407] 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.

[0408] 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).

[0409] 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.

[0410] 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.

[0411] 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.

[0412] 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.

[0413] 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.

[0414] 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".

[0415] This invention is a system for which a user inputs basic information and, based on that information, proposes the most suitable insurance product. This system includes a user terminal, a server, and a generative artificial intelligence, and operates as follows.

[0416] 1. Enter user information

[0417] The user enters basic information (age, gender, occupation, income, family structure, etc.) through their device. For example, this would be the process of a user using a smartphone app to enter their own information. The information entered here assumes the user is 30 years old, male, an IT engineer, has an income of 6 million yen, and is married with one child.

[0418] 2. Confirming Needs

[0419] Next, the user selects the type and purpose of insurance they desire. For example, the user might choose insurance for the purpose of "children's education funds." This clarifies the user's specific needs.

[0420] 3. Sending data

[0421] The user terminal sends the entered basic information, along with the selected insurance type and purpose, to the server. This transmission process is performed in real time, and the data reaches the server as soon as the user finishes their operation.

[0422] 4. AI-based analysis

[0423] The server receives data sent by the user and performs analysis using generative artificial intelligence. The generative AI uses its algorithms and database to select the most suitable insurance product. As a result of this analysis, for example, "XX Education Insurance" might be determined to be the best option for the user.

[0424] 5. Presentation of Results

[0425] The insurance products selected by the server are generated as a detailed proposal, which is then sent to the user's terminal. The user's terminal displays the resulting proposal. The proposal includes detailed information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[0426] 6. Selection and Confirmation of Details

[0427] The user reviews the details of the proposed insurance product and requests questions or supplementary information as needed. The server generates supplementary information in response to additional questions and sends it back to the user's terminal.

[0428] 7. Final confirmation and application

[0429] If the user is satisfied with the proposed insurance product, they can proceed with the application process online through their device. The user can click the "Apply" button to proceed with the contract procedures. Finally, the server saves the application data and sends a contract confirmation to the user.

[0430] This allows users to effectively and efficiently select the most suitable insurance product without going through an agent. It also reduces the burden on agents, increases contact with younger customer segments, and promotes contract growth.

[0431] The following describes the processing flow.

[0432] Step 1:

[0433] The system displays a screen where the user enters basic information via their device. The user enters information such as age, gender, occupation, income, and family structure.

[0434] Step 2:

[0435] The terminal temporarily saves the entered basic information and displays a screen where the user can select the type and purpose of insurance they desire.

[0436] Step 3:

[0437] The user selects the type and purpose of insurance they want. For example, they might choose insurance to fund their child's education.

[0438] Step 4:

[0439] The device combines basic information and the type and purpose of insurance into a single data package.

[0440] Step 5:

[0441] The terminal sends the data package to the server.

[0442] Step 6:

[0443] The server receives the data package.

[0444] Step 7:

[0445] The server uses generative artificial intelligence to analyze the user's basic information, as well as the type and purpose of insurance, and selects the most suitable insurance product.

[0446] Step 8:

[0447] The server generates details of the selected insurance product (features, monthly premium, coverage, benefits, etc.) and creates a proposal.

[0448] Step 9:

[0449] The server sends the proposal to the terminal.

[0450] Step 10:

[0451] The terminal receives the proposal and displays it to the user.

[0452] Step 11:

[0453] Users review the details of the proposed insurance product and ask questions or request additional information as needed.

[0454] Step 12:

[0455] The server generates supplementary information in response to the additional request and sends it back to the terminal.

[0456] Step 13:

[0457] The device receives supplementary information and displays it to the user.

[0458] Step 14:

[0459] If the user is satisfied with the proposed insurance product, they can proceed with the application process online.

[0460] Step 15:

[0461] The terminal sends the application data to the server.

[0462] Step 16:

[0463] The server saves the application data and generates a contract confirmation document.

[0464] Step 17:

[0465] The server sends the contract confirmation to the terminal.

[0466] Step 18:

[0467] The device displays the contract confirmation and prompts the user for final confirmation.

[0468] These steps provide a system that enables automated and efficient insurance proposal and contract procedures through the collaboration of servers, terminals, and users.

[0469] (Example 1)

[0470] 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."

[0471] Traditional insurance product selection systems required users to spend a significant amount of time and effort finding the optimal insurance product on their own, often necessitating the assistance of an agent. This created a problem where insurance products were difficult to access, especially for younger generations of users. Furthermore, there was the issue of users having difficulty obtaining appropriate information in real time when seeking detailed questions or supplementary information.

[0472] 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.

[0473] In this invention, the server includes means for the user to input basic information, means for the user to select the type and purpose of insurance they desire, means for transmitting the basic information and the type and purpose of insurance to the server, means for receiving the basic information and the type and purpose of insurance and selecting an insurance product using generative artificial intelligence, means for transmitting the selected insurance product to the user terminal, means for the user to confirm the details of the proposed insurance product and request additional questions or supplementary information, means for generating supplementary information in response to the additional questions or supplementary information and transmitting it to the user terminal, and means for the user to complete the application procedure online. As a result, the user can quickly and efficiently select the optimal insurance product, obtain detailed questions and supplementary information in real time, and complete the application procedure online without the need for an agent.

[0474] A "user" refers to an individual who uses the system to select and apply for insurance products.

[0475] "Basic information" refers to personal information entered by the user, such as age, gender, occupation, income, and family structure.

[0476] "Types of insurance" refer to the categories of insurance that users choose based on their purpose, such as "children's education funds," "medical expenses," or "retirement funds."

[0477] "Purpose" refers to the specific reasons or goals a user has when choosing insurance.

[0478] A "server" refers to a centralized device that receives data sent from user terminals, performs analysis, and sends the results back to the user terminals.

[0479] "Generative artificial intelligence" refers to algorithms and models that recommend the most suitable insurance products based on data input by users.

[0480] "Selection" refers to the process of identifying and selecting the most suitable insurance product using generative artificial intelligence.

[0481] A "user terminal" is a device used by a user to operate the system, and includes smartphones and PCs.

[0482] A "proposal" refers to a document provided to the user containing detailed information after a generative artificial intelligence has selected an insurance product.

[0483] "Supplemental information" refers to additional details that the user requests regarding the proposed insurance product.

[0484] "Application process" refers to the series of actions a user takes to ultimately apply for an insurance product.

[0485] This invention is a system for which a user inputs basic information and, based on that information, proposes the most suitable insurance product. This system includes a user terminal, a server, and a generative artificial intelligence system. Embodiments of this system are described below.

[0486] First, the user enters basic information through their device. Specifically, they enter information such as age, gender, occupation, income, and family structure. For example, suppose the user is a 30-year-old male, works as an IT engineer, earns 6 million yen annually, is married, and has one child. This operation is performed using a smartphone app or a PC web browser.

[0487] Next, the user selects the type and purpose of insurance they want based on their needs. For example, selecting insurance for "children's education funds" clarifies the user's specific needs. This selection is also made using radio buttons or dropdown menus displayed on the device screen.

[0488] Subsequently, the user terminal sends the entered basic information and the selected insurance type and purpose to the server. This transmission process is performed in real time using the HTTP / HTTPS protocol. Specifically, the data is converted to JSON format and sent to the specified endpoint on the server.

[0489] The server receives data sent by the user and performs analysis using generative artificial intelligence. Specifically, GPT-3 is used as the generative AI. This AI selects the optimal insurance product based on past data and current options. Through this analysis, for example, "XX Education Insurance" might be determined to be the best option for the user.

[0490] The server generates a detailed proposal for the selected insurance product and sends it to the user's terminal. The user can then view the proposal on their terminal. The proposal includes detailed information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[0491] If a user reviews the details of a proposed insurance product and has further questions or requests for additional information, they can make additional requests to the server. For example, they might type and send a question from their device such as, "What is the surrender value of this insurance?" The server receives this request, uses AI to generate supplementary information, and sends it back to the user's device.

[0492] Finally, if the user is satisfied with the proposed insurance product, they proceed with the application process online through their device. By clicking the "Apply" button, the user can proceed to the contract procedures. Lastly, the server saves the application data to the database and sends a contract confirmation to the user.

[0493] This allows users to quickly and efficiently select the most suitable insurance product and complete the application process online without the need for an agent. Furthermore, they can obtain detailed questions and supplementary information in real time, enabling them to make more informed decisions.

[0494] Examples of specific cases and prompt statements

[0495] Specific example

[0496] The user enters the following information using the smartphone app:

[0497] Age: 30

[0498] Gender: Male

[0499] Occupation: IT Engineer

[0500] Annual income: 6 million yen

[0501] Family structure: Married, 1 child

[0502] Next, the user selects an insurance policy aimed at "children's education funds." The AI ​​determines that "XX Education Insurance" is the best option and generates and sends a proposal for a monthly premium of 10,000 yen with a savings amount of 10 million yen. The user reviews the proposal and can request questions or additional information, to which the server provides further information. Finally, the user completes the application and receives a contract confirmation.

[0503] Example of a prompt

[0504] "A 30-year-old male IT engineer with an annual income of 6 million yen, married with one child, has chosen insurance to fund his child's education. Please suggest the most suitable insurance product."

[0505] The flow of the specific processing in Example 1 will be explained using Figure 11.

[0506] Step 1:

[0507] The user enters basic information through the device. This information includes age, gender, occupation, income, and family structure. For example, the user might enter "30 years old, male, IT engineer, annual income of 6 million yen, married, 1 child." This information is temporarily stored in the device's memory.

[0508] Input: Age, gender, occupation, income, family structure

[0509] Output: Basic information temporarily stored in memory

[0510] Step 2:

[0511] The user selects the type and purpose of insurance they desire. For example, they might choose insurance for "children's education funds." This defines the user's specific needs. The selected information is also saved to the device's memory.

[0512] Input: Type and purpose of insurance

[0513] Output: Insurance type and purpose temporarily stored in memory

[0514] Step 3:

[0515] The user's device sends basic information and the selected insurance type and purpose to the server. This transmission occurs in real time, and the data is converted to JSON format and sent via the HTTP / HTTPS protocol. For example, a POST request is sent to the " / api / user-info" endpoint.

[0516] Input: Basic information stored in memory, as well as the type and purpose of insurance.

[0517] Output: User data sent to the server

[0518] Step 4:

[0519] The server sends the received data to a generative artificial intelligence (AI) for analysis. An AI model such as GPT-3 is used. This model recommends the most suitable insurance product based on past data and current options. For example, "XX Education Insurance" might be selected.

[0520] Input: User data

[0521] Output: Optimal insurance product as a result of analysis

[0522] Step 5:

[0523] The server generates the analysis results in JSON format and sends them to the user's terminal. On the user's terminal, it is displayed as a proposal. The proposal includes detailed information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[0524] Input: Analysis results

[0525] Output: Proposal displayed on the user's terminal

[0526] Step 6:

[0527] The user reviews the details of the proposed insurance product and requests additional questions or supplementary information. For example, they might input a question like, "What is the surrender value of this insurance?" and send it from their device to the server. The server then inputs the question back into the AI, generates supplementary information, and sends it back to the user's device.

[0528] Input: User's question or request for additional information

[0529] Output: Supplementary Information

[0530] Step 7:

[0531] The user completes the application process online. When the user clicks the "Apply" button, the device sends the application data to the server. The server stores this data in its database, generates a contract confirmation document, and sends it to the user.

[0532] Input: User application data

[0533] Output: Saved application data and submitted contract confirmation

[0534] (Application Example 1)

[0535] 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."

[0536] Currently, selecting and applying for insurance products is complex, and many users spend considerable time and effort choosing the right product. Furthermore, the process often involves insurance agents, resulting in cumbersome procedures and significant costs. This makes it difficult for users to quickly select and easily apply for insurance products that best suit their needs.

[0537] 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.

[0538] In this invention, the server includes means for the user to input basic information, means for the user to select the type and purpose of insurance they desire, means for transmitting the basic information and the type and purpose of insurance to the server, means for receiving the basic information and the type and purpose of insurance and selecting an insurance product using generative artificial intelligence, means for proposing the insurance product selected by the generative artificial intelligence in detail, and means for transmitting the selected insurance product to the user terminal and allowing the user to proceed with the application process online through the terminal. This enables the user to quickly and effectively select the most suitable insurance product and apply easily.

[0539] "Basic information" refers to data necessary to understand the characteristics of each individual user, such as their age, gender, occupation, income, and family structure.

[0540] "Type and purpose of insurance" refers to data indicating the type of insurance the user desires (e.g., life insurance, medical insurance, etc.) and the purpose of purchasing insurance (e.g., securing funds for a child's education, etc.).

[0541] A "server" is an information processing device that receives basic information and the type and purpose of insurance sent by the user, analyzes this data using generative artificial intelligence, selects the most suitable insurance product, and sends it to the user's terminal.

[0542] "Generative artificial intelligence" is an artificial intelligence technology equipped with advanced algorithms that automatically generate insurance product proposals based on input data.

[0543] An "insurance product" refers to a contract offered by an insurance company, and it is a financial product that allows users to manage risk by selecting the product they want.

[0544] A "user terminal" refers to an information processing device used by a user, such as a smartphone or personal computer, that is capable of input and display.

[0545] The "application process" refers to a series of steps taken when a user applies for a contract for an insurance product they have selected, and this process can be completed entirely online.

[0546] The "means of providing detailed suggestions" refer to a function that presents the contents of insurance products selected by the generative artificial intelligence to the user in a specific and comprehensive manner.

[0547] To implement this invention, a system including a user terminal, a server, and a generative artificial intelligence system is required. The components of this system and their operation are described below.

[0548] First, the user uses a user device (such as a smartphone or computer) to enter basic information. The user enters basic information such as age, gender, occupation, income, and family structure. Next, the user selects the type and purpose of the insurance they want. This information is provided when the user enters specific needs, such as "children's education funds" or "health insurance."

[0549] This basic information, along with the type and purpose of the insurance, is sent from the user's terminal to the server. The transmission process is performed in real time, and the data reaches the server as soon as the user's operation is completed.

[0550] The server uses generative artificial intelligence (AI) to analyze the received data. This AI uses advanced algorithms to select the insurance product best suited to the user's needs. The AI ​​used here is, for example, OpenAI's GPT-3 model, which proposes appropriate insurance products based on user information.

[0551] Examples of specific prompt messages are shown below.

[0552] User information:

[0553] Age: 30, Gender: Male, Occupation: IT Engineer, Income: 6 million yen, Family: Married, 1 child

[0554] Please suggest the most suitable insurance product for this user. Their needs include insurance products related to their children's education expenses.

[0555] Insurance products selected by the generative artificial intelligence are sent from the server to the user terminal as detailed recommendations. The user terminal displays detailed information about the selected insurance products. This information includes the product name, monthly premium, and savings amount.

[0556] After the user reviews the details of the proposed insurance product and is satisfied, they proceed with the application process online through their device. During this process, the user can click the "Apply" button to proceed with the contract procedures. The server then saves the application data and sends a contract confirmation to the user.

[0557] This system allows users to quickly and effectively select the insurance product best suited to their needs and apply for it easily. Furthermore, by eliminating the need for insurance agents, it reduces the burden on users and makes insurance products more accessible to a wider range of customers.

[0558] The flow of a specific process in Application Example 1 will be explained using Figure 12.

[0559] Step 1:

[0560] The user enters basic information.

[0561] On the user terminal, the user enters basic information such as their age, gender, occupation, income, and family structure. This input data is stored in the application on the user terminal.

[0562] Step 2:

[0563] The user selects the type and purpose of insurance they want.

[0564] On the user's terminal, the user selects the type of insurance (e.g., life insurance, health insurance) and purpose (e.g., children's education funds), and the selected data is stored in the terminal's application.

[0565] Step 3:

[0566] Basic information, along with the type and purpose of the insurance, is sent to the server.

[0567] The user's terminal sends the entered basic information and the selected type and purpose of insurance to the server. The server receives the transmitted data and prepares it for analysis.

[0568] Step 4:

[0569] The server uses generative artificial intelligence to select insurance products.

[0570] The server analyzes the data using generative artificial intelligence (e.g., the GPT-3 model) based on the user's basic information and the type and purpose of insurance received, and selects the most suitable insurance product. The generative artificial intelligence performs the analysis based on prompt statements like the following.

[0571] User information:

[0572] Age: 30, Gender: Male, Occupation: IT Engineer, Income: 6 million yen, Family: Married, 1 child

[0573] Please suggest the most suitable insurance product for this user. Their needs include insurance products related to their children's education expenses.

[0574] Based on the input data, the AI ​​model generates appropriate insurance products, and the results are output to the server.

[0575] Step 5:

[0576] We will provide a detailed proposal for the selected insurance products.

[0577] The server generates details of insurance products selected by a generative artificial intelligence system and prepares a detailed proposal for the user's terminal. This proposal includes information such as the product name, monthly premium, and savings amount.

[0578] Step 6:

[0579] The selected insurance products are sent to the user's terminal.

[0580] The server sends the details of the generated insurance product proposal to the user's terminal. The transmitted data is received by the user's terminal and prepared for display.

[0581] Step 7:

[0582] The user proceeds with the application process online through their device.

[0583] The user reviews the details of the proposed insurance product on their device, and if they are satisfied, they proceed with the application process online. When the user clicks the "Apply" button, the application data is sent to the server. The server saves the application data and sends a contract confirmation to the user.

[0584] This processing step allows users to quickly and efficiently select the most suitable insurance product and complete a simple online application process.

[0585] 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.

[0586] This invention combines a system that takes basic information from the user and proposes the most suitable insurance product based on that information with an emotion engine. This system includes a user terminal, a server, a generative artificial intelligence system, and an emotion engine, and operates as follows.

[0587] 1. Enter user information

[0588] The user enters basic information (age, gender, occupation, income, family structure, etc.) through their device. For example, this would be the process of a user using a smartphone app to enter their own information. The information entered here assumes the user is 30 years old, male, an IT engineer, has an income of 6 million yen, and is married with one child.

[0589] 2. Recognition of emotions

[0590] While the user is entering basic information, the emotion engine analyzes the user's facial expressions and voice tone through the device's camera and microphone. For example, if the user's face shows tension or anxiety while they are entering information, the engine recognizes that emotion.

[0591] 3. Confirming Needs

[0592] Next, the user selects the type and purpose of insurance they desire. For example, the user might choose insurance for the purpose of "children's education funds." The emotion engine continues to monitor the user's emotions throughout this process.

[0593] 4. Sending data

[0594] The user terminal sends the entered basic information, selected insurance type and purpose, and emotional data to the server as a single data package.

[0595] 5. Data reception and analysis

[0596] The server receives the data package and uses generative artificial intelligence to analyze the user's basic information, insurance type and purpose, and emotional data. The generative AI takes the emotional data into consideration to make a comprehensive judgment, such as whether the user is relaxed or anxious, and selects the most suitable insurance product.

[0597] 6. Presentation of Results

[0598] A proposal document containing details of the selected insurance product (features, monthly premium, coverage, benefits, etc.) is generated by the server and sent to the user's terminal. For example, the proposal document may include information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[0599] 7. Real-time feedback

[0600] The emotion engine re-evaluates the user's emotions when viewing the proposal and provides additional explanations and advice in real time to help the user understand. For example, if the user makes a questioning expression, the system will display a prompt such as, "Shall I explain this part in more detail?"

[0601] 8. Selection and confirmation of details

[0602] The user reviews the details of the proposed insurance product and requests questions or supplementary information as needed. The server generates supplementary information in response to additional questions and sends it back to the user's terminal. The emotion engine monitors the user's emotions throughout this process.

[0603] 9. Final confirmation and application

[0604] If the user is satisfied with the proposed insurance product, they can proceed with the application process online through their device. The user can click the "Apply" button to proceed with the contract procedures. Finally, the server saves the application data and sends a contract confirmation to the user.

[0605] This allows users to receive emotionally sensitive service while efficiently and effectively selecting the optimal insurance product without the need for an agent. It also reduces the burden on agents, increases contact with younger customer segments, and promotes contract growth.

[0606] The following describes the processing flow.

[0607] Step 1:

[0608] The device displays a screen where the user enters basic information. The user enters their age, gender, occupation, income, family structure, etc.

[0609] Step 2:

[0610] The device temporarily stores the entered basic information, activates the camera and microphone, and begins emotion recognition using the emotion engine.

[0611] Step 3:

[0612] The emotion engine analyzes the user's facial expressions and tone of voice to recognize their emotional state during input. For example, if the user has an anxious expression, that information is recorded.

[0613] Step 4:

[0614] The device displays a screen prompting the user to select the desired type and purpose of insurance.

[0615] Step 5:

[0616] The user selects the type and purpose of insurance they want. Example: The user selects "Children's Education Funds".

[0617] Step 6:

[0618] The emotion engine continues to monitor the user's emotions and record the emotional state being selected. For example, if the user has a relaxed expression, that information is also recorded.

[0619] Step 7:

[0620] The device sends basic information, insurance type and purpose, and emotional data to the server as a single data package.

[0621] Step 8:

[0622] The server receives the data package.

[0623] Step 9:

[0624] The server uses generative artificial intelligence to analyze the user's basic information, insurance type and purpose, and emotional data.

[0625] Step 10:

[0626] The server uses generative artificial intelligence to select the most suitable insurance product, taking into account the user's emotional state. For example, if emotional data indicates the user is feeling anxious, it will select an insurance product that can alleviate that anxiety.

[0627] Step 11:

[0628] The server generates details of the selected insurance product and compiles them into a proposal. The proposal includes product features, monthly premiums, coverage, and benefits.

[0629] Step 12:

[0630] The server sends the proposal to the terminal.

[0631] Step 13:

[0632] The terminal receives the proposal and displays it to the user. The proposal includes details such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[0633] Step 14:

[0634] The emotion engine re-evaluates the user's emotions while they are viewing the proposal and provides additional explanations and advice in real time as needed. For example, if the user has a questioning expression, it will display a prompt such as, "Do you need more explanation about this part?"

[0635] Step 15:

[0636] Users review the details of the proposed insurance product and ask questions or request additional information as needed.

[0637] Step 16:

[0638] The server generates supplementary information in response to the additional questions and sends it back to the terminal.

[0639] Step 17:

[0640] The device receives supplementary information and displays it to the user.

[0641] Step 18:

[0642] If the user is satisfied with the proposed insurance product, they can proceed with the application process online.

[0643] Step 19:

[0644] The terminal sends the application data to the server.

[0645] Step 20:

[0646] The server saves the application data and generates a contract confirmation document.

[0647] Step 21:

[0648] The server sends the contract confirmation to the terminal.

[0649] Step 22:

[0650] The device displays the contract confirmation and prompts the user for final confirmation.

[0651] These steps provide a system where servers, terminals, and users work together to deliver emotionally sensitive, efficient, and highly accurate insurance proposals and contract procedures.

[0652] (Example 2)

[0653] 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".

[0654] Traditional insurance selection systems often provide proposals without considering the user's emotional state, leading to users feeling anxious or doubtful about the proposed content. Furthermore, users often require the assistance of an agent when choosing insurance products, resulting in inefficiency and hindering adoption, particularly among younger customer segments.

[0655] The identification processing performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means. In this invention, the server includes means for the user to input basic information, means for the user to select the type and purpose of insurance they wish to have, emotion analysis means for recognizing the user's basic information and the selected type and purpose of insurance through the terminal's camera or microphone, means for transmitting the basic information, type and purpose of insurance, and emotion data to the server, means for receiving the basic information, type and purpose of insurance, and emotion data and selecting the optimal insurance product using generative artificial intelligence, means for transmitting a proposal document regarding the selected insurance product to the user terminal, and means for re-recognizing the user's emotions when the proposal document is displayed and providing additional explanations and advice in real time. This makes it possible to propose the optimal insurance product that takes the user's emotions into consideration, allowing the user to feel secure about the proposed content and make an efficient and confident selection.

[0656] "Basic information" refers to personal information entered by the user, such as age, gender, occupation, income, and family structure.

[0657] "Type and purpose of insurance" refers to the category of insurance product selected by the user and the purpose for which they enroll.

[0658] "Emotion analysis means" refers to a function that uses the device's camera and microphone to analyze the user's facial expressions and tone of voice, and recognize the user's emotional state.

[0659] "Generative artificial intelligence" refers to algorithms and models that perform natural language processing and data analysis based on input data to propose the most suitable insurance products.

[0660] A "data package" is a unit of data transfer that combines a user's basic information, insurance type and purpose, and emotional data into one package.

[0661] A "proposal" is a document generated by the server that contains detailed information about insurance products.

[0662] The "means of providing information in real time" refer to a function that recognizes the user's emotions again when the proposal is displayed and immediately provides additional explanations or advice in response to the user's reaction.

[0663] A "user terminal" refers to a device used by a user, such as a smartphone, tablet, or PC.

[0664] A "server" is a central device that receives, analyzes, and processes data sent from user terminals.

[0665] This invention combines a system that allows users to input basic information and then suggests the most suitable insurance product based on that information with a means of sentiment analysis. This system includes a user terminal, a server, a generative artificial intelligence system, and a means of sentiment analysis.

[0666] First, the user enters basic information through their device. This basic information includes age, gender, occupation, income, and family structure. The user's device can be a smartphone, tablet, or PC, and they enter the information using a dedicated app or web form. For example, a user might enter "Age: 30," "Gender: Male," "Occupation: IT Engineer," "Income: 6 million yen," and "Family Structure: Married, 1 child."

[0667] Next, the emotion analysis system uses the device's camera and microphone to analyze the user's facial expressions and voice tone. For example, the camera captures the user's face and recognizes micro-expressions indicating tension or anxiety. The microphone also analyzes the user's voice tone to determine their emotional state. This emotion data is collected in real time during the user's input operations.

[0668] Subsequently, the user selects the desired type and purpose of insurance through the device's interface. For example, they might select insurance for "children's education funds." Throughout this process, the emotion analysis system continues to monitor the user's emotions.

[0669] The user terminal sends the entered basic information, selected insurance type and purpose, and sentiment data to the server as a single data package. A secure communication protocol such as HTTPS is used for this transmission.

[0670] The server receives the data package and analyzes the data using generative artificial intelligence (e.g., OpenAI's GPT-3). Based on the user's basic information, type and purpose of insurance, and emotional data, the server selects the most suitable insurance product. The generative artificial intelligence also considers emotional data, making a comprehensive judgment such as whether the user is relaxed or anxious.

[0671] As a result, the server generates a proposal for the selected insurance product and sends it to the user's terminal. The proposal includes details such as "product name," "monthly premium," "coverage," and "benefits." For example, it might include information such as "product name: XX Education Insurance," "monthly premium: 10,000 yen," and "savings amount: 10 million yen."

[0672] As soon as the terminal displays the proposal, the emotion analysis system re-analyzes the user's facial expression. If the user shows a confused expression, the system displays a prompt such as, "Shall I explain this part in more detail?"

[0673] Users can review the details of the proposed insurance product and request additional information. For example, a user might ask, "What are the benefits of this insurance?" The server uses generative artificial intelligence to create supplementary information and resends it to the terminal. Throughout this process, the sentiment analysis system monitors the user's emotions.

[0674] Finally, once the user is satisfied with the proposed insurance product, they click the "Apply" button to proceed with the online application process. The server saves the application data and sends a contract confirmation to the user.

[0675] A possible prompt would be: "I am 30 years old, male, an IT engineer, and earn 6 million yen. I am looking for insurance to fund my children's education."

[0676] This system allows users to receive emotionally sensitive service and efficiently and effectively select the optimal insurance product without the need for an agent. It also reduces the burden on agents, increases contact with younger customer segments, and promotes contract growth.

[0677] The flow of the specific processing in Example 2 will be explained using Figure 13.

[0678] Step 1:

[0679] Users enter basic information through their devices. Users use smartphone apps or web forms to enter basic information such as age, gender, occupation, income, and family structure. Specifically, they might enter information like: "Age: 30," "Gender: Male," "Occupation: IT Engineer," "Income: 6 million yen," and "Family Structure: Married, 1 child." The entered data is temporarily stored in the device's internal storage.

[0680] Step 2:

[0681] The device uses its camera and microphone to perform emotion analysis. While the user enters basic information, the device's camera captures the user's facial expressions and the microphone records their voice tone. The emotion analysis engine analyzes this data in real time to recognize the user's emotional state (tension, anxiety, relaxation, etc.). As a result, emotion data is generated.

[0682] Step 3:

[0683] The user selects the type and purpose of insurance they desire. Through the device's interface, they choose insurance types such as "education fund insurance" or "retirement fund insurance" and set their objectives. This input data is also saved to the device's internal storage.

[0684] Step 4:

[0685] The terminal sends the entered basic information, selected insurance type and purpose, and sentiment data to the server as a single data package. This data package contains all the information entered by the user and the results of the sentiment analysis. The data is transmitted securely using the HTTPS protocol.

[0686] Step 5:

[0687] The server receives the data package and begins analysis. Basic information, insurance type and purpose, and emotional data are extracted from the received data package. The server uses generative artificial intelligence (e.g., OpenAI's GPT-3) to analyze this data and select the optimal insurance product considering the user's needs and emotional state. As a result of the analysis, a list of candidate insurance products is generated.

[0688] Step 6:

[0689] The server generates a proposal document containing details of the selected insurance product and sends it to the user's terminal. The proposal document includes details such as "product name," "monthly premium," "coverage," and "benefits." For example, it may include information such as "product name: XX Education Insurance," "monthly premium: 10,000 yen," and "savings amount: 10 million yen." The proposal document is generated in PDF or HTML format.

[0690] Step 7:

[0691] The user's terminal displays the proposal, and the emotion analysis engine re-analyzes the user's facial expressions. The system analyzes the user's reactions to the proposal (confusion, understanding, agreement, etc.) in real time and provides additional explanations or advice as needed. For example, if the user shows a confused expression, a prompt such as "Shall I explain this part in more detail?" is displayed.

[0692] Step 8:

[0693] When a user reads a proposal and has questions or concerns, they send a request from their device to the server. The server uses generative artificial intelligence to generate supplementary information and answers to the user's questions and resends them to the device. For example, if a user asks, "What are the benefits of this insurance?", the server will provide detailed information such as, "Benefits: Low cost, wide coverage, high savings rate."

[0694] Step 9:

[0695] The user agrees to the proposed insurance product and begins the application process. Clicking the "Apply" button on the terminal initiates the contract process. The server receives the application data, generates a contract confirmation document, and sends it to the user. Generative artificial intelligence is also used in this confirmation document to verify that the user's input information matches the contract details. Finally, the contract data is saved on the server.

[0696] Through the processing steps described above, this system can propose the most suitable insurance product that takes the user's emotions into consideration, and provide efficient and reliable service.

[0697] (Application Example 2)

[0698] 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."

[0699] In physical stores, a challenge is to improve the customer purchasing experience by making optimal product recommendations based on the customer's emotional state. Traditional face-to-face customer service makes it difficult to accurately grasp customer emotions, sometimes resulting in inappropriate recommendations. To solve this problem, a system is needed that analyzes customer emotional data in real time and makes product recommendations based on that information.

[0700] The specific processing performed by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means.

[0701] In this invention, the server includes means for analyzing the user's facial expressions and tone of voice to recognize emotions, means for receiving the basic information, the type and purpose of the product, and emotion data, and for selecting the optimal product using generative artificial intelligence, and means for transmitting the selected product to the user terminal. This makes it possible to make optimal product suggestions based on the customer's emotional state.

[0702] "A means by which users input basic information via a device" refers to an interface that allows customers to input basic information such as their age, gender, occupation, income, and family structure through a device they use (such as a smartphone, tablet, or personal computer).

[0703] "A means for users to select the type and purpose of the product they desire" refers to an interface for customers to select the product category they are considering purchasing (e.g., home appliances, clothing, food, etc.) and its purpose (e.g., gift, personal use, etc.).

[0704] "Methods for analyzing a user's facial expressions and voice tone to recognize emotions" refers to technologies and software that use cameras and microphones to analyze a customer's facial expressions and voice tone, and then determine the customer's emotional state (e.g., joy, surprise, sadness, confusion, etc.) from the results.

[0705] "Means for transmitting basic information, product type and purpose, and sentiment data to a server" refers to the function of transmitting the basic information entered by the customer, the selected product category and purpose, and the analyzed sentiment data to a central server via the network.

[0706] "A means of receiving basic information, product type and purpose, and sentiment data, and selecting the optimal product using generative artificial intelligence" refers to a function that uses generative artificial intelligence to select the most suitable product for a customer based on the customer's basic information, product type and purpose, and sentiment data received by the server.

[0707] "Means for sending selected products to the user's terminal" refers to a function that sends information about the optimal products selected by the server back to the customer's device and displays or notifies them.

[0708] "A means of displaying details of selected products" refers to an interface that displays information about selected products (features, price, benefits, etc.) in an easy-to-understand format on the customer's device.

[0709] "Generative artificial intelligence" refers to artificial intelligence that has the ability to create new information based on large amounts of data, and in particular, it makes optimal product suggestions based on natural language processing and predictive models.

[0710] "Emotional data" refers to information about a customer's emotional state obtained by analyzing their facial expressions and tone of voice, and is used to improve the quality of the services provided.

[0711] This invention describes embodiments for carrying out this invention. This invention takes basic user information as input, analyzes emotional data, and suggests the most suitable product. The system includes a user terminal, a server, a generative artificial intelligence, and an emotional analysis engine. It operates as follows:

[0712] 1. Enter user information

[0713] Users enter basic information (age, gender, occupation, income, family structure, etc.) via a device such as a smartphone or tablet. For example, if a user is 30 years old, male, works as an IT engineer, earns 6 million yen, and is married with one child, they would enter this information into the application.

[0714] 2. Selection of product type and purpose

[0715] Users select the type and purpose of the product they want through their device. For example, a user might select "home appliances" and specify the purpose as "for home use." This allows the system to understand exactly what the user is trying to purchase.

[0716] 3. Recognition of emotions

[0717] While the user is entering basic information, the emotion engine analyzes the user's facial expressions and voice tone through the device's camera and microphone. For example, if the user's face shows tension or anxiety while they are entering information, the engine recognizes that emotion.

[0718] 4. Sending data

[0719] The user terminal transmits basic information, selected product type and purpose, and sentiment data to the server. This data is securely transmitted to the server over the network.

[0720] 5. Data reception and analysis

[0721] The server analyzes all received data. Using generative artificial intelligence (such as GPT-3), the server integrates basic user information, product type and purpose, and emotional data to select the most suitable product for the user. Emotional state plays a crucial role in this analysis, considering factors such as whether the user is relaxed, worried, or excited.

[0722] 6. Presentation of Results

[0723] A proposal document containing details of the optimal product selected by the server (e.g., "recommended TV model name," "price," "features," etc.) is generated and sent to the user's terminal. For example, if the user is relaxed, the proposal will emphasize detailed specifications and benefits.

[0724] 7. Real-time feedback

[0725] The emotion engine continuously monitors the user's emotions while they are viewing the proposal. If the user shows a questioning expression, the system will display additional explanations or advice, such as, "Shall I explain this part in more detail?" This allows the user to confidently select a product.

[0726] Specific example

[0727] While a customer is watching TV in the store, their smartphone camera captures their face and analyzes their facial expressions and tone of voice. If the customer appears confused, the system provides real-time feedback such as, "This TV is perfect for your needs. Shall I explain more?"

[0728] Examples of prompts for generative AI models

[0729] Customer Information: {'age': 30, 'gender': 'male', 'preferences': ['electronics', 'gaming']}

[0730] Emotional State: {'happiness': 0.2, 'sadness': 0.6, 'surprise': 0.2}

[0731] Suggest relevant products:

[0732] In this way, by making product suggestions that take the user's emotional state into consideration, it becomes possible to provide a more personalized purchasing experience.

[0733] The flow of a specific process in Application Example 2 will be explained using Figure 14.

[0734] Step 1:

[0735] The user enters basic information through the device.

[0736] Specific operation: The user enters basic information such as age, gender, occupation, income, and family structure into an input form on their smartphone or tablet.

[0737] Input: Basic information such as age, gender, occupation, income, and family structure.

[0738] Data processing and calculations: Convert input information into a unified format and prepare it for use in subsequent processing.

[0739] Output: Formatted basic information data.

[0740] Step 2:

[0741] The user selects the type and purpose of the product they want.

[0742] Specific operation: The user selects, for example, "Home Appliances" from the options within the application and specifies its purpose as "Household."

[0743] Input: Product type and purpose.

[0744] Data processing and calculations: Categorize selected information and prepare it in a format that can be used for subsequent processing.

[0745] Output: Formatted product type and purpose data.

[0746] Step 3:

[0747] The device analyzes the user's facial expressions and voice tone through its camera and microphone.

[0748] Specific operation: The device's camera recognizes the user's face, and the microphone captures the tone of their voice. An emotion analysis engine (such as EmotionRecognizer) performs the analysis in real time.

[0749] Input: Image data from the camera, audio data from the microphone.

[0750] Data processing and calculation: Image and audio data are input into the emotion analysis engine to determine emotional states such as joy, surprise, sadness, and confusion.

[0751] Output: Analyzed sentiment data.

[0752] Step 4:

[0753] The user terminal transmits basic information, product type and purpose, and sentiment data to the server.

[0754] Specific operation: The device combines all the information it has collected so far into a single data package and sends it to the server via the network.

[0755] Input: Basic information, product type and purpose, sentiment data.

[0756] Data processing and computation: Generation and transmission of data packages.

[0757] Output: Data packaged on the server.

[0758] Step 5:

[0759] The server analyzes the received data and uses generative artificial intelligence to select the most suitable product.

[0760] Specific operation: The server receives the data package and analyzes basic information, product type and purpose, and sentiment data. It then prompts a generative artificial intelligence (such as GPT-3) to generate optimal product suggestions.

[0761] Input: Data package sent to the server.

[0762] Data processing and calculation: Evaluate and analyze basic information and emotional data, generate prompt sentences, input them into a generative AI model, and obtain the results.

[0763] Output: Optimal product suggestions obtained from a generative AI model.

[0764] Example of a prompt:

[0765] Customer Information: {'age': 30, 'gender': 'male', 'preferences': ['electronics', 'gaming']}

[0766] Emotional State: {'happiness': 0.2, 'sadness': 0.6, 'surprise': 0.2}

[0767] Suggest relevant products:

[0768] Step 6:

[0769] Details of the selected product are sent to the user's terminal.

[0770] Specific operation: The server sends the generated product suggestions to the user's terminal.

[0771] Input: Product suggestions obtained from a generative AI model.

[0772] Data processing and calculation: Format the proposed content into an easy-to-read format and convert it into data for notification or display.

[0773] Output: Detailed product information sent to the user's terminal.

[0774] Step 7:

[0775] The emotion engine monitors the user's emotions when viewing the proposal and provides real-time feedback.

[0776] Specific operation: When displaying the details of a submitted product, the device's camera and microphone again monitor the user's reaction, and if any questions or confusion are detected, the sentiment engine displays appropriate additional explanations or advice in real time.

[0777] Input: Real-time user facial expression data and voice data.

[0778] Data processing and computation: Reanalysis of emotional data and feedback generation.

[0779] Output: Real-time additional explanations and advice.

[0780] 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.

[0781] The data generation model 58 is a type of so-called generative AI (Artificial Intelligence). One example of the data generation model 58 is ChatGPT (Internet Search).<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search) <url: https: gemini.google.com ?hl="ja">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.

[0782] 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.

[0783] [Third Embodiment]

[0784] Figure 5 shows an example of the configuration of the data processing system 310 according to the third embodiment.

[0785] 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.

[0786] 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).

[0787] 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.

[0788] 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.

[0789] 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).

[0790] 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.

[0791] 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.

[0792] 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.

[0793] 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.

[0794] 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.

[0795] 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".

[0796] This invention is a system for which a user inputs basic information and, based on that information, proposes the most suitable insurance product. This system includes a user terminal, a server, and a generative artificial intelligence, and operates as follows.

[0797] 1. Enter user information

[0798] The user enters basic information (age, gender, occupation, income, family structure, etc.) through their device. For example, this would be the process of a user using a smartphone app to enter their own information. The information entered here assumes the user is 30 years old, male, an IT engineer, has an income of 6 million yen, and is married with one child.

[0799] 2. Confirming Needs

[0800] Next, the user selects the type and purpose of insurance they desire. For example, the user might choose insurance for the purpose of "children's education funds." This clarifies the user's specific needs.

[0801] 3. Sending data

[0802] The user terminal sends the entered basic information, along with the selected insurance type and purpose, to the server. This transmission process is performed in real time, and the data reaches the server as soon as the user finishes their operation.

[0803] 4. AI-based analysis

[0804] The server receives data sent by the user and performs analysis using generative artificial intelligence. The generative AI uses its algorithms and database to select the most suitable insurance product. As a result of this analysis, for example, "XX Education Insurance" might be determined to be the best option for the user.

[0805] 5. Presentation of Results

[0806] The insurance products selected by the server are generated as a detailed proposal, which is then sent to the user's terminal. The user's terminal displays the resulting proposal. The proposal includes detailed information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[0807] 6. Selection and Confirmation of Details

[0808] The user reviews the details of the proposed insurance product and requests questions or supplementary information as needed. The server generates supplementary information in response to additional questions and sends it back to the user's terminal.

[0809] 7. Final confirmation and application

[0810] If the user is satisfied with the proposed insurance product, they can proceed with the application process online through their device. The user can click the "Apply" button to proceed with the contract procedures. Finally, the server saves the application data and sends a contract confirmation to the user.

[0811] This allows users to effectively and efficiently select the most suitable insurance product without going through an agent. It also reduces the burden on agents, increases contact with younger customer segments, and promotes contract growth.

[0812] The following describes the processing flow.

[0813] Step 1:

[0814] The system displays a screen where the user enters basic information via their device. The user enters information such as age, gender, occupation, income, and family structure.

[0815] Step 2:

[0816] The terminal temporarily saves the entered basic information and displays a screen where the user can select the type and purpose of insurance they desire.

[0817] Step 3:

[0818] The user selects the type and purpose of insurance they want. For example, they might choose insurance to fund their child's education.

[0819] Step 4:

[0820] The device combines basic information and the type and purpose of insurance into a single data package.

[0821] Step 5:

[0822] The terminal sends the data package to the server.

[0823] Step 6:

[0824] The server receives the data package.

[0825] Step 7:

[0826] The server uses generative artificial intelligence to analyze the user's basic information, as well as the type and purpose of insurance, and selects the most suitable insurance product.

[0827] Step 8:

[0828] The server generates details of the selected insurance product (features, monthly premium, coverage, benefits, etc.) and creates a proposal.

[0829] Step 9:

[0830] The server sends the proposal to the terminal.

[0831] Step 10:

[0832] The terminal receives the proposal and displays it to the user.

[0833] Step 11:

[0834] Users review the details of the proposed insurance product and ask questions or request additional information as needed.

[0835] Step 12:

[0836] The server generates supplementary information in response to the additional request and sends it back to the terminal.

[0837] Step 13:

[0838] The device receives supplementary information and displays it to the user.

[0839] Step 14:

[0840] If the user is satisfied with the proposed insurance product, they can proceed with the application process online.

[0841] Step 15:

[0842] The terminal sends the application data to the server.

[0843] Step 16:

[0844] The server saves the application data and generates a contract confirmation document.

[0845] Step 17:

[0846] The server sends the contract confirmation to the terminal.

[0847] Step 18:

[0848] The device displays the contract confirmation and prompts the user for final confirmation.

[0849] These steps provide a system that enables automated and efficient insurance proposal and contract procedures through the collaboration of servers, terminals, and users.

[0850] (Example 1)

[0851] 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."

[0852] Traditional insurance product selection systems required users to spend a significant amount of time and effort finding the optimal insurance product on their own, often necessitating the assistance of an agent. This created a problem where insurance products were difficult to access, especially for younger generations of users. Furthermore, there was the issue of users having difficulty obtaining appropriate information in real time when seeking detailed questions or supplementary information.

[0853] 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.

[0854] In this invention, the server includes means for the user to input basic information, means for the user to select the type and purpose of insurance they desire, means for transmitting the basic information and the type and purpose of insurance to the server, means for receiving the basic information and the type and purpose of insurance and selecting an insurance product using generative artificial intelligence, means for transmitting the selected insurance product to the user terminal, means for the user to confirm the details of the proposed insurance product and request additional questions or supplementary information, means for generating supplementary information in response to the additional questions or supplementary information and transmitting it to the user terminal, and means for the user to complete the application procedure online. As a result, the user can quickly and efficiently select the optimal insurance product, obtain detailed questions and supplementary information in real time, and complete the application procedure online without the need for an agent.

[0855] A "user" refers to an individual who uses the system to select and apply for insurance products.

[0856] "Basic information" refers to personal information entered by the user, such as age, gender, occupation, income, and family structure.

[0857] "Types of insurance" refer to the categories of insurance that users choose based on their purpose, such as "children's education funds," "medical expenses," or "retirement funds."

[0858] "Purpose" refers to the specific reasons or goals a user has when choosing insurance.

[0859] A "server" refers to a centralized device that receives data sent from user terminals, performs analysis, and sends the results back to the user terminals.

[0860] "Generative artificial intelligence" refers to algorithms and models that recommend the most suitable insurance products based on data input by users.

[0861] "Selection" refers to the process of identifying and selecting the most suitable insurance product using generative artificial intelligence.

[0862] A "user terminal" is a device used by a user to operate the system, and includes smartphones and PCs.

[0863] A "proposal" refers to a document provided to the user containing detailed information after a generative artificial intelligence has selected an insurance product.

[0864] "Supplemental information" refers to additional details that the user requests regarding the proposed insurance product.

[0865] "Application process" refers to the series of actions a user takes to ultimately apply for an insurance product.

[0866] This invention is a system for which a user inputs basic information and, based on that information, proposes the most suitable insurance product. This system includes a user terminal, a server, and a generative artificial intelligence system. Embodiments of this system are described below.

[0867] First, the user enters basic information through their device. Specifically, they enter information such as age, gender, occupation, income, and family structure. For example, suppose the user is a 30-year-old male, works as an IT engineer, earns 6 million yen annually, is married, and has one child. This operation is performed using a smartphone app or a PC web browser.

[0868] Next, the user selects the type and purpose of insurance they want based on their needs. For example, selecting insurance for "children's education funds" clarifies the user's specific needs. This selection is also made using radio buttons or dropdown menus displayed on the device screen.

[0869] Subsequently, the user terminal sends the entered basic information and the selected insurance type and purpose to the server. This transmission process is performed in real time using the HTTP / HTTPS protocol. Specifically, the data is converted to JSON format and sent to the specified endpoint on the server.

[0870] The server receives data sent by the user and performs analysis using generative artificial intelligence. Specifically, GPT-3 is used as the generative AI. This AI selects the optimal insurance product based on past data and current options. Through this analysis, for example, "XX Education Insurance" might be determined to be the best option for the user.

[0871] The server generates a detailed proposal for the selected insurance product and sends it to the user's terminal. The user can then view the proposal on their terminal. The proposal includes detailed information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[0872] If a user reviews the details of a proposed insurance product and has further questions or requests for additional information, they can make additional requests to the server. For example, they might type and send a question from their device such as, "What is the surrender value of this insurance?" The server receives this request, uses AI to generate supplementary information, and sends it back to the user's device.

[0873] Finally, if the user is satisfied with the proposed insurance product, they proceed with the application process online through their device. By clicking the "Apply" button, the user can proceed to the contract procedures. Lastly, the server saves the application data to the database and sends a contract confirmation to the user.

[0874] This allows users to quickly and efficiently select the most suitable insurance product and complete the application process online without the need for an agent. Furthermore, they can obtain detailed questions and supplementary information in real time, enabling them to make more informed decisions.

[0875] Examples of specific cases and prompt statements

[0876] Specific example

[0877] The user enters the following information using the smartphone app:

[0878] Age: 30

[0879] Gender: Male

[0880] Occupation: IT Engineer

[0881] Annual income: 6 million yen

[0882] Family structure: Married, 1 child

[0883] Next, the user selects an insurance policy aimed at "children's education funds." The AI ​​determines that "XX Education Insurance" is the best option and generates and sends a proposal for a monthly premium of 10,000 yen with a savings amount of 10 million yen. The user reviews the proposal and can request questions or additional information, to which the server provides further information. Finally, the user completes the application and receives a contract confirmation.

[0884] Example of a prompt

[0885] "A 30-year-old male IT engineer with an annual income of 6 million yen, married with one child, has chosen insurance to fund his child's education. Please suggest the most suitable insurance product."

[0886] The flow of the specific processing in Example 1 will be explained using Figure 11.

[0887] Step 1:

[0888] The user enters basic information through the device. This information includes age, gender, occupation, income, and family structure. For example, the user might enter "30 years old, male, IT engineer, annual income of 6 million yen, married, 1 child." This information is temporarily stored in the device's memory.

[0889] Input: Age, gender, occupation, income, family structure

[0890] Output: Basic information temporarily stored in memory

[0891] Step 2:

[0892] The user selects the type and purpose of insurance they desire. For example, they might choose insurance for "children's education funds." This defines the user's specific needs. The selected information is also saved to the device's memory.

[0893] Input: Type and purpose of insurance

[0894] Output: Insurance type and purpose temporarily stored in memory

[0895] Step 3:

[0896] The user's device sends basic information and the selected insurance type and purpose to the server. This transmission occurs in real time, and the data is converted to JSON format and sent via the HTTP / HTTPS protocol. For example, a POST request is sent to the " / api / user-info" endpoint.

[0897] Input: Basic information stored in memory, as well as the type and purpose of insurance.

[0898] Output: User data sent to the server

[0899] Step 4:

[0900] The server sends the received data to a generative artificial intelligence (AI) for analysis. An AI model such as GPT-3 is used. This model recommends the most suitable insurance product based on past data and current options. For example, "XX Education Insurance" might be selected.

[0901] Input: User data

[0902] Output: Optimal insurance product as a result of analysis

[0903] Step 5:

[0904] The server generates the analysis results in JSON format and sends them to the user's terminal. On the user's terminal, it is displayed as a proposal. The proposal includes detailed information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[0905] Input: Analysis results

[0906] Output: Proposal displayed on the user's terminal

[0907] Step 6:

[0908] The user reviews the details of the proposed insurance product and requests additional questions or supplementary information. For example, they might input a question like, "What is the surrender value of this insurance?" and send it from their device to the server. The server then inputs the question back into the AI, generates supplementary information, and sends it back to the user's device.

[0909] Input: User's question or request for additional information

[0910] Output: Supplementary Information

[0911] Step 7:

[0912] The user completes the application process online. When the user clicks the "Apply" button, the device sends the application data to the server. The server stores this data in its database, generates a contract confirmation document, and sends it to the user.

[0913] Input: User application data

[0914] Output: Saved application data and submitted contract confirmation

[0915] (Application Example 1)

[0916] 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."

[0917] Currently, selecting and applying for insurance products is complex, and many users spend considerable time and effort choosing the right product. Furthermore, the process often involves insurance agents, resulting in cumbersome procedures and significant costs. This makes it difficult for users to quickly select and easily apply for insurance products that best suit their needs.

[0918] 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.

[0919] In this invention, the server includes means for the user to input basic information, means for the user to select the type and purpose of insurance they desire, means for transmitting the basic information and the type and purpose of insurance to the server, means for receiving the basic information and the type and purpose of insurance and selecting an insurance product using generative artificial intelligence, means for proposing the insurance product selected by the generative artificial intelligence in detail, and means for transmitting the selected insurance product to the user terminal and allowing the user to proceed with the application process online through the terminal. This enables the user to quickly and effectively select the most suitable insurance product and apply easily.

[0920] "Basic information" refers to data necessary to understand the characteristics of each individual user, such as their age, gender, occupation, income, and family structure.

[0921] "Type and purpose of insurance" refers to data indicating the type of insurance the user desires (e.g., life insurance, medical insurance, etc.) and the purpose of purchasing insurance (e.g., securing funds for a child's education, etc.).

[0922] A "server" is an information processing device that receives basic information and the type and purpose of insurance sent by the user, analyzes this data using generative artificial intelligence, selects the most suitable insurance product, and sends it to the user's terminal.

[0923] "Generative artificial intelligence" is an artificial intelligence technology equipped with advanced algorithms that automatically generate insurance product proposals based on input data.

[0924] An "insurance product" refers to a contract offered by an insurance company, and it is a financial product that allows users to manage risk by selecting the product they want.

[0925] A "user terminal" refers to an information processing device used by a user, such as a smartphone or personal computer, that is capable of input and display.

[0926] The "application process" refers to a series of steps taken when a user applies for a contract for an insurance product they have selected, and this process can be completed entirely online.

[0927] The "means of providing detailed suggestions" refer to a function that presents the contents of insurance products selected by the generative artificial intelligence to the user in a specific and comprehensive manner.

[0928] To implement this invention, a system including a user terminal, a server, and a generative artificial intelligence system is required. The components of this system and their operation are described below.

[0929] First, the user uses a user device (such as a smartphone or computer) to enter basic information. The user enters basic information such as age, gender, occupation, income, and family structure. Next, the user selects the type and purpose of the insurance they want. This information is provided when the user enters specific needs, such as "children's education funds" or "health insurance."

[0930] This basic information, along with the type and purpose of the insurance, is sent from the user's terminal to the server. The transmission process is performed in real time, and the data reaches the server as soon as the user's operation is completed.

[0931] The server uses generative artificial intelligence (AI) to analyze the received data. This AI uses advanced algorithms to select the insurance product best suited to the user's needs. The AI ​​used here is, for example, OpenAI's GPT-3 model, which proposes appropriate insurance products based on user information.

[0932] Examples of specific prompt messages are shown below.

[0933] User information:

[0934] Age: 30, Gender: Male, Occupation: IT Engineer, Income: 6 million yen, Family: Married, 1 child

[0935] Please suggest the most suitable insurance product for this user. Their needs include insurance products related to their children's education expenses.

[0936] Insurance products selected by the generative artificial intelligence are sent from the server to the user terminal as detailed recommendations. The user terminal displays detailed information about the selected insurance products. This information includes the product name, monthly premium, and savings amount.

[0937] After the user reviews the details of the proposed insurance product and is satisfied, they proceed with the application process online through their device. During this process, the user can click the "Apply" button to proceed with the contract procedures. The server then saves the application data and sends a contract confirmation to the user.

[0938] This system allows users to quickly and effectively select the insurance product best suited to their needs and apply for it easily. Furthermore, by eliminating the need for insurance agents, it reduces the burden on users and makes insurance products more accessible to a wider range of customers.

[0939] The flow of a specific process in Application Example 1 will be explained using Figure 12.

[0940] Step 1:

[0941] The user enters basic information.

[0942] On the user terminal, the user enters basic information such as their age, gender, occupation, income, and family structure. This input data is stored in the application on the user terminal.

[0943] Step 2:

[0944] The user selects the type and purpose of insurance they want.

[0945] On the user's terminal, the user selects the type of insurance (e.g., life insurance, health insurance) and purpose (e.g., children's education funds), and the selected data is stored in the terminal's application.

[0946] Step 3:

[0947] Basic information, along with the type and purpose of the insurance, is sent to the server.

[0948] The user's terminal sends the entered basic information and the selected type and purpose of insurance to the server. The server receives the transmitted data and prepares it for analysis.

[0949] Step 4:

[0950] The server uses generative artificial intelligence to select insurance products.

[0951] The server analyzes the data using generative artificial intelligence (e.g., the GPT-3 model) based on the user's basic information and the type and purpose of insurance received, and selects the most suitable insurance product. The generative artificial intelligence performs the analysis based on prompt statements like the following.

[0952] User information:

[0953] Age: 30, Gender: Male, Occupation: IT Engineer, Income: 6 million yen, Family: Married, 1 child

[0954] Please suggest the most suitable insurance product for this user. Their needs include insurance products related to their children's education expenses.

[0955] Based on the input data, the AI ​​model generates appropriate insurance products, and the results are output to the server.

[0956] Step 5:

[0957] We will provide a detailed proposal for the selected insurance products.

[0958] The server generates details of insurance products selected by a generative artificial intelligence system and prepares a detailed proposal for the user's terminal. This proposal includes information such as the product name, monthly premium, and savings amount.

[0959] Step 6:

[0960] The selected insurance products are sent to the user's terminal.

[0961] The server sends the details of the generated insurance product proposal to the user's terminal. The transmitted data is received by the user's terminal and prepared for display.

[0962] Step 7:

[0963] The user proceeds with the application process online through their device.

[0964] The user reviews the details of the proposed insurance product on their device, and if they are satisfied, they proceed with the application process online. When the user clicks the "Apply" button, the application data is sent to the server. The server saves the application data and sends a contract confirmation to the user.

[0965] This processing step allows users to quickly and efficiently select the most suitable insurance product and complete a simple online application process.

[0966] 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.

[0967] This invention combines a system that takes basic information from the user and proposes the most suitable insurance product based on that information with an emotion engine. This system includes a user terminal, a server, a generative artificial intelligence system, and an emotion engine, and operates as follows.

[0968] 1. Enter user information

[0969] The user enters basic information (age, gender, occupation, income, family structure, etc.) through their device. For example, this would be the process of a user using a smartphone app to enter their own information. The information entered here assumes the user is 30 years old, male, an IT engineer, has an income of 6 million yen, and is married with one child.

[0970] 2. Recognition of emotions

[0971] While the user is entering basic information, the emotion engine analyzes the user's facial expressions and voice tone through the device's camera and microphone. For example, if the user's face shows tension or anxiety while they are entering information, the engine recognizes that emotion.

[0972] 3. Confirming Needs

[0973] Next, the user selects the type and purpose of insurance they desire. For example, the user might choose insurance for the purpose of "children's education funds." The emotion engine continues to monitor the user's emotions throughout this process.

[0974] 4. Sending data

[0975] The user terminal sends the entered basic information, selected insurance type and purpose, and emotional data to the server as a single data package.

[0976] 5. Data reception and analysis

[0977] The server receives the data package and uses generative artificial intelligence to analyze the user's basic information, insurance type and purpose, and emotional data. The generative AI takes the emotional data into consideration to make a comprehensive judgment, such as whether the user is relaxed or anxious, and selects the most suitable insurance product.

[0978] 6. Presentation of Results

[0979] A proposal document containing details of the selected insurance product (features, monthly premium, coverage, benefits, etc.) is generated by the server and sent to the user's terminal. For example, the proposal document may include information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[0980] 7. Real-time feedback

[0981] The emotion engine re-evaluates the user's emotions when viewing the proposal and provides additional explanations and advice in real time to help the user understand. For example, if the user makes a questioning expression, the system will display a prompt such as, "Shall I explain this part in more detail?"

[0982] 8. Selection and confirmation of details

[0983] The user reviews the details of the proposed insurance product and requests questions or supplementary information as needed. The server generates supplementary information in response to additional questions and sends it back to the user's terminal. The emotion engine monitors the user's emotions throughout this process.

[0984] 9. Final confirmation and application

[0985] If the user is satisfied with the proposed insurance product, they can proceed with the application process online through their device. The user can click the "Apply" button to proceed with the contract procedures. Finally, the server saves the application data and sends a contract confirmation to the user.

[0986] This allows users to receive emotionally sensitive service while efficiently and effectively selecting the optimal insurance product without the need for an agent. It also reduces the burden on agents, increases contact with younger customer segments, and promotes contract growth.

[0987] The following describes the processing flow.

[0988] Step 1:

[0989] The device displays a screen where the user enters basic information. The user enters their age, gender, occupation, income, family structure, etc.

[0990] Step 2:

[0991] The device temporarily stores the entered basic information, activates the camera and microphone, and begins emotion recognition using the emotion engine.

[0992] Step 3:

[0993] The emotion engine analyzes the user's facial expressions and tone of voice to recognize their emotional state during input. For example, if the user has an anxious expression, that information is recorded.

[0994] Step 4:

[0995] The device displays a screen prompting the user to select the desired type and purpose of insurance.

[0996] Step 5:

[0997] The user selects the type and purpose of insurance they want. Example: The user selects "Children's Education Funds".

[0998] Step 6:

[0999] The emotion engine continues to monitor the user's emotions and record the emotional state being selected. For example, if the user has a relaxed expression, that information is also recorded.

[1000] Step 7:

[1001] The device sends basic information, insurance type and purpose, and emotional data to the server as a single data package.

[1002] Step 8:

[1003] The server receives the data package.

[1004] Step 9:

[1005] The server uses generative artificial intelligence to analyze the user's basic information, insurance type and purpose, and emotional data.

[1006] Step 10:

[1007] The server uses generative artificial intelligence to select the most suitable insurance product, taking into account the user's emotional state. For example, if emotional data indicates the user is feeling anxious, it will select an insurance product that can alleviate that anxiety.

[1008] Step 11:

[1009] The server generates details of the selected insurance product and compiles them into a proposal. The proposal includes product features, monthly premiums, coverage, and benefits.

[1010] Step 12:

[1011] The server sends the proposal to the terminal.

[1012] Step 13:

[1013] The terminal receives the proposal and displays it to the user. The proposal includes details such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[1014] Step 14:

[1015] The emotion engine re-evaluates the user's emotions while they are viewing the proposal and provides additional explanations and advice in real time as needed. For example, if the user has a questioning expression, it will display a prompt such as, "Do you need more explanation about this part?"

[1016] Step 15:

[1017] Users review the details of the proposed insurance product and ask questions or request additional information as needed.

[1018] Step 16:

[1019] The server generates supplementary information in response to the additional questions and sends it back to the terminal.

[1020] Step 17:

[1021] The device receives supplementary information and displays it to the user.

[1022] Step 18:

[1023] If the user is satisfied with the proposed insurance product, they can proceed with the application process online.

[1024] Step 19:

[1025] The terminal sends the application data to the server.

[1026] Step 20:

[1027] The server saves the application data and generates a contract confirmation document.

[1028] Step 21:

[1029] The server sends the contract confirmation to the terminal.

[1030] Step 22:

[1031] The device displays the contract confirmation and prompts the user for final confirmation.

[1032] These steps provide a system where servers, terminals, and users work together to deliver emotionally sensitive, efficient, and highly accurate insurance proposals and contract procedures.

[1033] (Example 2)

[1034] 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."

[1035] Traditional insurance selection systems often provide proposals without considering the user's emotional state, leading to users feeling anxious or doubtful about the proposed content. Furthermore, users often require the assistance of an agent when choosing insurance products, resulting in inefficiency and hindering adoption, particularly among younger customer segments.

[1036] The identification processing performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means. In this invention, the server includes means for the user to input basic information, means for the user to select the type and purpose of insurance they wish to have, emotion analysis means for recognizing the user's basic information and the selected type and purpose of insurance through the terminal's camera or microphone, means for transmitting the basic information, type and purpose of insurance, and emotion data to the server, means for receiving the basic information, type and purpose of insurance, and emotion data and selecting the optimal insurance product using generative artificial intelligence, means for transmitting a proposal document regarding the selected insurance product to the user terminal, and means for re-recognizing the user's emotions when the proposal document is displayed and providing additional explanations and advice in real time. This makes it possible to propose the optimal insurance product that takes the user's emotions into consideration, allowing the user to feel secure about the proposed content and make an efficient and confident selection.

[1037] "Basic information" refers to personal information entered by the user, such as age, gender, occupation, income, and family structure.

[1038] "Type and purpose of insurance" refers to the category of insurance product selected by the user and the purpose for which they enroll.

[1039] "Emotion analysis means" refers to a function that uses the device's camera and microphone to analyze the user's facial expressions and tone of voice, and recognize the user's emotional state.

[1040] "Generative artificial intelligence" refers to algorithms and models that perform natural language processing and data analysis based on input data to propose the most suitable insurance products.

[1041] A "data package" is a unit of data transfer that combines a user's basic information, insurance type and purpose, and emotional data into one package.

[1042] A "proposal" is a document generated by the server that contains detailed information about insurance products.

[1043] The "means of providing information in real time" refer to a function that recognizes the user's emotions again when the proposal is displayed and immediately provides additional explanations or advice in response to the user's reaction.

[1044] A "user terminal" refers to a device used by a user, such as a smartphone, tablet, or PC.

[1045] A "server" is a central device that receives, analyzes, and processes data sent from user terminals.

[1046] This invention combines a system that allows users to input basic information and then suggests the most suitable insurance product based on that information with a means of sentiment analysis. This system includes a user terminal, a server, a generative artificial intelligence system, and a means of sentiment analysis.

[1047] First, the user enters basic information through their device. This basic information includes age, gender, occupation, income, and family structure. The user's device can be a smartphone, tablet, or PC, and they enter the information using a dedicated app or web form. For example, a user might enter "Age: 30," "Gender: Male," "Occupation: IT Engineer," "Income: 6 million yen," and "Family Structure: Married, 1 child."

[1048] Next, the emotion analysis system uses the device's camera and microphone to analyze the user's facial expressions and voice tone. For example, the camera captures the user's face and recognizes micro-expressions indicating tension or anxiety. The microphone also analyzes the user's voice tone to determine their emotional state. This emotion data is collected in real time during the user's input operations.

[1049] Subsequently, the user selects the desired type and purpose of insurance through the device's interface. For example, they might select insurance for "children's education funds." Throughout this process, the emotion analysis system continues to monitor the user's emotions.

[1050] The user terminal sends the entered basic information, selected insurance type and purpose, and sentiment data to the server as a single data package. A secure communication protocol such as HTTPS is used for this transmission.

[1051] The server receives the data package and analyzes the data using generative artificial intelligence (e.g., OpenAI's GPT-3). Based on the user's basic information, type and purpose of insurance, and emotional data, the server selects the most suitable insurance product. The generative artificial intelligence also considers emotional data, making a comprehensive judgment such as whether the user is relaxed or anxious.

[1052] As a result, the server generates a proposal for the selected insurance product and sends it to the user's terminal. The proposal includes details such as "product name," "monthly premium," "coverage," and "benefits." For example, it might include information such as "product name: XX Education Insurance," "monthly premium: 10,000 yen," and "savings amount: 10 million yen."

[1053] As soon as the terminal displays the proposal, the emotion analysis system re-analyzes the user's facial expression. If the user shows a confused expression, the system displays a prompt such as, "Shall I explain this part in more detail?"

[1054] Users can review the details of the proposed insurance product and request additional information. For example, a user might ask, "What are the benefits of this insurance?" The server uses generative artificial intelligence to create supplementary information and resends it to the terminal. Throughout this process, the sentiment analysis system monitors the user's emotions.

[1055] Finally, once the user is satisfied with the proposed insurance product, they click the "Apply" button to proceed with the online application process. The server saves the application data and sends a contract confirmation to the user.

[1056] A possible prompt would be: "I am 30 years old, male, an IT engineer, and earn 6 million yen. I am looking for insurance to fund my children's education."

[1057] This system allows users to receive emotionally sensitive service and efficiently and effectively select the optimal insurance product without the need for an agent. It also reduces the burden on agents, increases contact with younger customer segments, and promotes contract growth.

[1058] The flow of the specific processing in Example 2 will be explained using Figure 13.

[1059] Step 1:

[1060] Users enter basic information through their devices. Users use smartphone apps or web forms to enter basic information such as age, gender, occupation, income, and family structure. Specifically, they might enter information like: "Age: 30," "Gender: Male," "Occupation: IT Engineer," "Income: 6 million yen," and "Family Structure: Married, 1 child." The entered data is temporarily stored in the device's internal storage.

[1061] Step 2:

[1062] The device uses its camera and microphone to perform emotion analysis. While the user enters basic information, the device's camera captures the user's facial expressions and the microphone records their voice tone. The emotion analysis engine analyzes this data in real time to recognize the user's emotional state (tension, anxiety, relaxation, etc.). As a result, emotion data is generated.

[1063] Step 3:

[1064] The user selects the type and purpose of insurance they desire. Through the device's interface, they choose insurance types such as "education fund insurance" or "retirement fund insurance" and set their objectives. This input data is also saved to the device's internal storage.

[1065] Step 4:

[1066] The terminal sends the entered basic information, selected insurance type and purpose, and sentiment data to the server as a single data package. This data package contains all the information entered by the user and the results of the sentiment analysis. The data is transmitted securely using the HTTPS protocol.

[1067] Step 5:

[1068] The server receives the data package and begins analysis. Basic information, insurance type and purpose, and emotional data are extracted from the received data package. The server uses generative artificial intelligence (e.g., OpenAI's GPT-3) to analyze this data and select the optimal insurance product considering the user's needs and emotional state. As a result of the analysis, a list of candidate insurance products is generated.

[1069] Step 6:

[1070] The server generates a proposal document containing details of the selected insurance product and sends it to the user's terminal. The proposal document includes details such as "product name," "monthly premium," "coverage," and "benefits." For example, it may include information such as "product name: XX Education Insurance," "monthly premium: 10,000 yen," and "savings amount: 10 million yen." The proposal document is generated in PDF or HTML format.

[1071] Step 7:

[1072] The user's terminal displays the proposal, and the emotion analysis engine re-analyzes the user's facial expressions. The system analyzes the user's reactions to the proposal (confusion, understanding, agreement, etc.) in real time and provides additional explanations or advice as needed. For example, if the user shows a confused expression, a prompt such as "Shall I explain this part in more detail?" is displayed.

[1073] Step 8:

[1074] When a user reads a proposal and has questions or concerns, they send a request from their device to the server. The server uses generative artificial intelligence to generate supplementary information and answers to the user's questions and resends them to the device. For example, if a user asks, "What are the benefits of this insurance?", the server will provide detailed information such as, "Benefits: Low cost, wide coverage, high savings rate."

[1075] Step 9:

[1076] The user agrees to the proposed insurance product and begins the application process. Clicking the "Apply" button on the terminal initiates the contract process. The server receives the application data, generates a contract confirmation document, and sends it to the user. Generative artificial intelligence is also used in this confirmation document to verify that the user's input information matches the contract details. Finally, the contract data is saved on the server.

[1077] Through the processing steps described above, this system can propose the most suitable insurance product that takes the user's emotions into consideration, and provide efficient and reliable service.

[1078] (Application Example 2)

[1079] 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."

[1080] In physical stores, a challenge is to improve the customer purchasing experience by making optimal product recommendations based on the customer's emotional state. Traditional face-to-face customer service makes it difficult to accurately grasp customer emotions, sometimes resulting in inappropriate recommendations. To solve this problem, a system is needed that analyzes customer emotional data in real time and makes product recommendations based on that information.

[1081] The specific processing performed by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means.

[1082] In this invention, the server includes means for analyzing the user's facial expressions and tone of voice to recognize emotions, means for receiving the basic information, the type and purpose of the product, and emotion data, and for selecting the optimal product using generative artificial intelligence, and means for transmitting the selected product to the user terminal. This makes it possible to make optimal product suggestions based on the customer's emotional state.

[1083] "A means by which users input basic information via a device" refers to an interface that allows customers to input basic information such as their age, gender, occupation, income, and family structure through a device they use (such as a smartphone, tablet, or personal computer).

[1084] "A means for users to select the type and purpose of the product they desire" refers to an interface for customers to select the product category they are considering purchasing (e.g., home appliances, clothing, food, etc.) and its purpose (e.g., gift, personal use, etc.).

[1085] "Methods for analyzing a user's facial expressions and voice tone to recognize emotions" refers to technologies and software that use cameras and microphones to analyze a customer's facial expressions and voice tone, and then determine the customer's emotional state (e.g., joy, surprise, sadness, confusion, etc.) from the results.

[1086] "Means for transmitting basic information, product type and purpose, and sentiment data to a server" refers to the function of transmitting the basic information entered by the customer, the selected product category and purpose, and the analyzed sentiment data to a central server via the network.

[1087] "A means of receiving basic information, product type and purpose, and sentiment data, and selecting the optimal product using generative artificial intelligence" refers to a function that uses generative artificial intelligence to select the most suitable product for a customer based on the customer's basic information, product type and purpose, and sentiment data received by the server.

[1088] "Means for sending selected products to the user's terminal" refers to a function that sends information about the optimal products selected by the server back to the customer's device and displays or notifies them.

[1089] "A means of displaying details of selected products" refers to an interface that displays information about selected products (features, price, benefits, etc.) in an easy-to-understand format on the customer's device.

[1090] "Generative artificial intelligence" refers to artificial intelligence that has the ability to create new information based on large amounts of data, and in particular, it makes optimal product suggestions based on natural language processing and predictive models.

[1091] "Emotional data" refers to information about a customer's emotional state obtained by analyzing their facial expressions and tone of voice, and is used to improve the quality of the services provided.

[1092] This invention describes embodiments for carrying out this invention. This invention takes basic user information as input, analyzes emotional data, and suggests the most suitable product. The system includes a user terminal, a server, a generative artificial intelligence, and an emotional analysis engine. It operates as follows:

[1093] 1. Enter user information

[1094] Users enter basic information (age, gender, occupation, income, family structure, etc.) via a device such as a smartphone or tablet. For example, if a user is 30 years old, male, works as an IT engineer, earns 6 million yen, and is married with one child, they would enter this information into the application.

[1095] 2. Selection of product type and purpose

[1096] Users select the type and purpose of the product they want through their device. For example, a user might select "home appliances" and specify the purpose as "for home use." This allows the system to understand exactly what the user is trying to purchase.

[1097] 3. Recognition of emotions

[1098] While the user is entering basic information, the emotion engine analyzes the user's facial expressions and voice tone through the device's camera and microphone. For example, if the user's face shows tension or anxiety while they are entering information, the engine recognizes that emotion.

[1099] 4. Sending data

[1100] The user terminal transmits basic information, selected product type and purpose, and sentiment data to the server. This data is securely transmitted to the server over the network.

[1101] 5. Data reception and analysis

[1102] The server analyzes all received data. Using generative artificial intelligence (such as GPT-3), the server integrates basic user information, product type and purpose, and emotional data to select the most suitable product for the user. Emotional state plays a crucial role in this analysis, considering factors such as whether the user is relaxed, worried, or excited.

[1103] 6. Presentation of Results

[1104] A proposal document containing details of the optimal product selected by the server (e.g., "recommended TV model name," "price," "features," etc.) is generated and sent to the user's terminal. For example, if the user is relaxed, the proposal will emphasize detailed specifications and benefits.

[1105] 7. Real-time feedback

[1106] The emotion engine continuously monitors the user's emotions while they are viewing the proposal. If the user shows a questioning expression, the system will display additional explanations or advice, such as, "Shall I explain this part in more detail?" This allows the user to confidently select a product.

[1107] Specific example

[1108] While a customer is watching TV in the store, their smartphone camera captures their face and analyzes their facial expressions and tone of voice. If the customer appears confused, the system provides real-time feedback such as, "This TV is perfect for your needs. Shall I explain more?"

[1109] Examples of prompts for generative AI models

[1110] Customer Information: {'age': 30, 'gender': 'male', 'preferences': ['electronics', 'gaming']}

[1111] Emotional State: {'happiness': 0.2, 'sadness': 0.6, 'surprise': 0.2}

[1112] Suggest relevant products:

[1113] In this way, by making product suggestions that take the user's emotional state into consideration, it becomes possible to provide a more personalized purchasing experience.

[1114] The flow of a specific process in Application Example 2 will be explained using Figure 14.

[1115] Step 1:

[1116] The user enters basic information through the device.

[1117] Specific operation: The user enters basic information such as age, gender, occupation, income, and family structure into an input form on their smartphone or tablet.

[1118] Input: Basic information such as age, gender, occupation, income, and family structure.

[1119] Data processing and calculations: Convert input information into a unified format and prepare it for use in subsequent processing.

[1120] Output: Formatted basic information data.

[1121] Step 2:

[1122] The user selects the type and purpose of the product they want.

[1123] Specific operation: The user selects, for example, "Home Appliances" from the options within the application and specifies its purpose as "Household."

[1124] Input: Product type and purpose.

[1125] Data processing and calculations: Categorize selected information and prepare it in a format that can be used for subsequent processing.

[1126] Output: Formatted product type and purpose data.

[1127] Step 3:

[1128] The device analyzes the user's facial expressions and voice tone through its camera and microphone.

[1129] Specific operation: The device's camera recognizes the user's face, and the microphone captures the tone of their voice. An emotion analysis engine (such as EmotionRecognizer) performs the analysis in real time.

[1130] Input: Image data from the camera, audio data from the microphone.

[1131] Data processing and calculation: Image and audio data are input into the emotion analysis engine to determine emotional states such as joy, surprise, sadness, and confusion.

[1132] Output: Analyzed sentiment data.

[1133] Step 4:

[1134] The user terminal transmits basic information, product type and purpose, and sentiment data to the server.

[1135] Specific operation: The device combines all the information it has collected so far into a single data package and sends it to the server via the network.

[1136] Input: Basic information, product type and purpose, sentiment data.

[1137] Data processing and computation: Generation and transmission of data packages.

[1138] Output: Data packaged on the server.

[1139] Step 5:

[1140] The server analyzes the received data and uses generative artificial intelligence to select the most suitable product.

[1141] Specific operation: The server receives the data package and analyzes basic information, product type and purpose, and sentiment data. It then prompts a generative artificial intelligence (such as GPT-3) to generate optimal product suggestions.

[1142] Input: Data package sent to the server.

[1143] Data processing and calculation: Evaluate and analyze basic information and emotional data, generate prompt sentences, input them into a generative AI model, and obtain the results.

[1144] Output: Optimal product suggestions obtained from a generative AI model.

[1145] Example of a prompt:

[1146] Customer Information: {'age': 30, 'gender': 'male', 'preferences': ['electronics', 'gaming']}

[1147] Emotional State: {'happiness': 0.2, 'sadness': 0.6, 'surprise': 0.2}

[1148] Suggest relevant products:

[1149] Step 6:

[1150] Details of the selected product are sent to the user's terminal.

[1151] Specific operation: The server sends the generated product suggestions to the user's terminal.

[1152] Input: Product suggestions obtained from a generative AI model.

[1153] Data processing and calculation: Format the proposed content into an easy-to-read format and convert it into data for notification or display.

[1154] Output: Detailed product information sent to the user's terminal.

[1155] Step 7:

[1156] The emotion engine monitors the user's emotions when viewing the proposal and provides real-time feedback.

[1157] Specific operation: When displaying the details of a submitted product, the device's camera and microphone again monitor the user's reaction, and if any questions or confusion are detected, the sentiment engine displays appropriate additional explanations or advice in real time.

[1158] Input: Real-time user facial expression data and voice data.

[1159] Data processing and computation: Reanalysis of emotional data and feedback generation.

[1160] Output: Real-time additional explanations and advice.

[1161] 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.

[1162] The data generation model 58 is a type of so-called generative AI (Artificial Intelligence). One example of the data generation model 58 is ChatGPT (Internet Search).<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search) <url: https: gemini.google.com ?hl="ja">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.

[1163] 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.

[1164] [Fourth Embodiment]

[1165] Figure 7 shows an example of the configuration of the data processing system 410 according to the fourth embodiment.

[1166] 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.

[1167] 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).

[1168] 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.

[1169] 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.

[1170] 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).

[1171] 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.

[1172] 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.

[1173] 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.

[1174] 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.

[1175] 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.

[1176] 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.

[1177] 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".

[1178] This invention is a system for which a user inputs basic information and, based on that information, proposes the most suitable insurance product. This system includes a user terminal, a server, and a generative artificial intelligence, and operates as follows.

[1179] 1. Enter user information

[1180] The user enters basic information (age, gender, occupation, income, family structure, etc.) through their device. For example, this would be the process of a user using a smartphone app to enter their own information. The information entered here assumes the user is 30 years old, male, an IT engineer, has an income of 6 million yen, and is married with one child.

[1181] 2. Confirming Needs

[1182] Next, the user selects the type and purpose of insurance they desire. For example, the user might choose insurance for the purpose of "children's education funds." This clarifies the user's specific needs.

[1183] 3. Sending data

[1184] The user terminal sends the entered basic information, along with the selected insurance type and purpose, to the server. This transmission process is performed in real time, and the data reaches the server as soon as the user finishes their operation.

[1185] 4. AI-based analysis

[1186] The server receives data sent by the user and performs analysis using generative artificial intelligence. The generative AI uses its algorithms and database to select the most suitable insurance product. As a result of this analysis, for example, "XX Education Insurance" might be determined to be the best option for the user.

[1187] 5. Presentation of Results

[1188] The insurance products selected by the server are generated as a detailed proposal, which is then sent to the user's terminal. The user's terminal displays the resulting proposal. The proposal includes detailed information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[1189] 6. Selection and Confirmation of Details

[1190] The user reviews the details of the proposed insurance product and requests questions or supplementary information as needed. The server generates supplementary information in response to additional questions and sends it back to the user's terminal.

[1191] 7. Final confirmation and application

[1192] If the user is satisfied with the proposed insurance product, they can proceed with the application process online through their device. The user can click the "Apply" button to proceed with the contract procedures. Finally, the server saves the application data and sends a contract confirmation to the user.

[1193] This allows users to effectively and efficiently select the most suitable insurance product without going through an agent. It also reduces the burden on agents, increases contact with younger customer segments, and promotes contract growth.

[1194] The following describes the processing flow.

[1195] Step 1:

[1196] The system displays a screen where the user enters basic information via their device. The user enters information such as age, gender, occupation, income, and family structure.

[1197] Step 2:

[1198] The terminal temporarily saves the entered basic information and displays a screen where the user can select the type and purpose of insurance they desire.

[1199] Step 3:

[1200] The user selects the type and purpose of insurance they want. For example, they might choose insurance to fund their child's education.

[1201] Step 4:

[1202] The device combines basic information and the type and purpose of insurance into a single data package.

[1203] Step 5:

[1204] The terminal sends the data package to the server.

[1205] Step 6:

[1206] The server receives the data package.

[1207] Step 7:

[1208] The server uses generative artificial intelligence to analyze the user's basic information, as well as the type and purpose of insurance, and selects the most suitable insurance product.

[1209] Step 8:

[1210] The server generates details of the selected insurance product (features, monthly premium, coverage, benefits, etc.) and creates a proposal.

[1211] Step 9:

[1212] The server sends the proposal to the terminal.

[1213] Step 10:

[1214] The terminal receives the proposal and displays it to the user.

[1215] Step 11:

[1216] Users review the details of the proposed insurance product and ask questions or request additional information as needed.

[1217] Step 12:

[1218] The server generates supplementary information in response to the additional request and sends it back to the terminal.

[1219] Step 13:

[1220] The device receives supplementary information and displays it to the user.

[1221] Step 14:

[1222] If the user is satisfied with the proposed insurance product, they can proceed with the application process online.

[1223] Step 15:

[1224] The terminal sends the application data to the server.

[1225] Step 16:

[1226] The server saves the application data and generates a contract confirmation document.

[1227] Step 17:

[1228] The server sends the contract confirmation to the terminal.

[1229] Step 18:

[1230] The device displays the contract confirmation and prompts the user for final confirmation.

[1231] These steps provide a system that enables automated and efficient insurance proposal and contract procedures through the collaboration of servers, terminals, and users.

[1232] (Example 1)

[1233] 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".

[1234] Traditional insurance product selection systems required users to spend a significant amount of time and effort finding the optimal insurance product on their own, often necessitating the assistance of an agent. This created a problem where insurance products were difficult to access, especially for younger generations of users. Furthermore, there was the issue of users having difficulty obtaining appropriate information in real time when seeking detailed questions or supplementary information.

[1235] 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.

[1236] In this invention, the server includes means for the user to input basic information, means for the user to select the type and purpose of insurance they desire, means for transmitting the basic information and the type and purpose of insurance to the server, means for receiving the basic information and the type and purpose of insurance and selecting an insurance product using generative artificial intelligence, means for transmitting the selected insurance product to the user terminal, means for the user to confirm the details of the proposed insurance product and request additional questions or supplementary information, means for generating supplementary information in response to the additional questions or supplementary information and transmitting it to the user terminal, and means for the user to complete the application procedure online. As a result, the user can quickly and efficiently select the optimal insurance product, obtain detailed questions and supplementary information in real time, and complete the application procedure online without the need for an agent.

[1237] A "user" refers to an individual who uses the system to select and apply for insurance products.

[1238] "Basic information" refers to personal information entered by the user, such as age, gender, occupation, income, and family structure.

[1239] "Types of insurance" refer to the categories of insurance that users choose based on their purpose, such as "children's education funds," "medical expenses," or "retirement funds."

[1240] "Purpose" refers to the specific reasons or goals a user has when choosing insurance.

[1241] A "server" refers to a centralized device that receives data sent from user terminals, performs analysis, and sends the results back to the user terminals.

[1242] "Generative artificial intelligence" refers to algorithms and models that recommend the most suitable insurance products based on data input by users.

[1243] "Selection" refers to the process of identifying and selecting the most suitable insurance product using generative artificial intelligence.

[1244] A "user terminal" is a device used by a user to operate the system, and includes smartphones and PCs.

[1245] A "proposal" refers to a document provided to the user containing detailed information after a generative artificial intelligence has selected an insurance product.

[1246] "Supplemental information" refers to additional details that the user requests regarding the proposed insurance product.

[1247] "Application process" refers to the series of actions a user takes to ultimately apply for an insurance product.

[1248] This invention is a system for which a user inputs basic information and, based on that information, proposes the most suitable insurance product. This system includes a user terminal, a server, and a generative artificial intelligence system. Embodiments of this system are described below.

[1249] First, the user enters basic information through their device. Specifically, they enter information such as age, gender, occupation, income, and family structure. For example, suppose the user is a 30-year-old male, works as an IT engineer, earns 6 million yen annually, is married, and has one child. This operation is performed using a smartphone app or a PC web browser.

[1250] Next, the user selects the type and purpose of insurance they want based on their needs. For example, selecting insurance for "children's education funds" clarifies the user's specific needs. This selection is also made using radio buttons or dropdown menus displayed on the device screen.

[1251] Subsequently, the user terminal sends the entered basic information and the selected insurance type and purpose to the server. This transmission process is performed in real time using the HTTP / HTTPS protocol. Specifically, the data is converted to JSON format and sent to the specified endpoint on the server.

[1252] The server receives data sent by the user and performs analysis using generative artificial intelligence. Specifically, GPT-3 is used as the generative AI. This AI selects the optimal insurance product based on past data and current options. Through this analysis, for example, "XX Education Insurance" might be determined to be the best option for the user.

[1253] The server generates a detailed proposal for the selected insurance product and sends it to the user's terminal. The user can then view the proposal on their terminal. The proposal includes detailed information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[1254] If a user reviews the details of a proposed insurance product and has further questions or requests for additional information, they can make additional requests to the server. For example, they might type and send a question from their device such as, "What is the surrender value of this insurance?" The server receives this request, uses AI to generate supplementary information, and sends it back to the user's device.

[1255] Finally, if the user is satisfied with the proposed insurance product, they proceed with the application process online through their device. By clicking the "Apply" button, the user can proceed to the contract procedures. Lastly, the server saves the application data to the database and sends a contract confirmation to the user.

[1256] This allows users to quickly and efficiently select the most suitable insurance product and complete the application process online without the need for an agent. Furthermore, they can obtain detailed questions and supplementary information in real time, enabling them to make more informed decisions.

[1257] Examples of specific cases and prompt statements

[1258] Specific example

[1259] The user enters the following information using the smartphone app:

[1260] Age: 30

[1261] Gender: Male

[1262] Occupation: IT Engineer

[1263] Annual income: 6 million yen

[1264] Family structure: Married, 1 child

[1265] Next, the user selects an insurance policy aimed at "children's education funds." The AI ​​determines that "XX Education Insurance" is the best option and generates and sends a proposal for a monthly premium of 10,000 yen with a savings amount of 10 million yen. The user reviews the proposal and can request questions or additional information, to which the server provides further information. Finally, the user completes the application and receives a contract confirmation.

[1266] Example of a prompt

[1267] "A 30-year-old male IT engineer with an annual income of 6 million yen, married with one child, has chosen insurance to fund his child's education. Please suggest the most suitable insurance product."

[1268] The flow of the specific processing in Example 1 will be explained using Figure 11.

[1269] Step 1:

[1270] The user enters basic information through the device. This information includes age, gender, occupation, income, and family structure. For example, the user might enter "30 years old, male, IT engineer, annual income of 6 million yen, married, 1 child." This information is temporarily stored in the device's memory.

[1271] Input: Age, gender, occupation, income, family structure

[1272] Output: Basic information temporarily stored in memory

[1273] Step 2:

[1274] The user selects the type and purpose of insurance they desire. For example, they might choose insurance for "children's education funds." This defines the user's specific needs. The selected information is also saved to the device's memory.

[1275] Input: Type and purpose of insurance

[1276] Output: Insurance type and purpose temporarily stored in memory

[1277] Step 3:

[1278] The user's device sends basic information and the selected insurance type and purpose to the server. This transmission occurs in real time, and the data is converted to JSON format and sent via the HTTP / HTTPS protocol. For example, a POST request is sent to the " / api / user-info" endpoint.

[1279] Input: Basic information stored in memory, as well as the type and purpose of insurance.

[1280] Output: User data sent to the server

[1281] Step 4:

[1282] The server sends the received data to a generative artificial intelligence (AI) for analysis. An AI model such as GPT-3 is used. This model recommends the most suitable insurance product based on past data and current options. For example, "XX Education Insurance" might be selected.

[1283] Input: User data

[1284] Output: Optimal insurance product as a result of analysis

[1285] Step 5:

[1286] The server generates the analysis results in JSON format and sends them to the user's terminal. On the user's terminal, it is displayed as a proposal. The proposal includes detailed information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[1287] Input: Analysis results

[1288] Output: Proposal displayed on the user's terminal

[1289] Step 6:

[1290] The user reviews the details of the proposed insurance product and requests additional questions or supplementary information. For example, they might input a question like, "What is the surrender value of this insurance?" and send it from their device to the server. The server then inputs the question back into the AI, generates supplementary information, and sends it back to the user's device.

[1291] Input: User's question or request for additional information

[1292] Output: Supplementary Information

[1293] Step 7:

[1294] The user completes the application process online. When the user clicks the "Apply" button, the device sends the application data to the server. The server stores this data in its database, generates a contract confirmation document, and sends it to the user.

[1295] Input: User application data

[1296] Output: Saved application data and submitted contract confirmation

[1297] (Application Example 1)

[1298] 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".

[1299] Currently, selecting and applying for insurance products is complex, and many users spend considerable time and effort choosing the right product. Furthermore, the process often involves insurance agents, resulting in cumbersome procedures and significant costs. This makes it difficult for users to quickly select and easily apply for insurance products that best suit their needs.

[1300] 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.

[1301] In this invention, the server includes means for the user to input basic information, means for the user to select the type and purpose of insurance they desire, means for transmitting the basic information and the type and purpose of insurance to the server, means for receiving the basic information and the type and purpose of insurance and selecting an insurance product using generative artificial intelligence, means for proposing the insurance product selected by the generative artificial intelligence in detail, and means for transmitting the selected insurance product to the user terminal and allowing the user to proceed with the application process online through the terminal. This enables the user to quickly and effectively select the most suitable insurance product and apply easily.

[1302] "Basic information" refers to data necessary to understand the characteristics of each individual user, such as their age, gender, occupation, income, and family structure.

[1303] "Type and purpose of insurance" refers to data indicating the type of insurance the user desires (e.g., life insurance, medical insurance, etc.) and the purpose of purchasing insurance (e.g., securing funds for a child's education, etc.).

[1304] A "server" is an information processing device that receives basic information and the type and purpose of insurance sent by the user, analyzes this data using generative artificial intelligence, selects the most suitable insurance product, and sends it to the user's terminal.

[1305] "Generative artificial intelligence" is an artificial intelligence technology equipped with advanced algorithms that automatically generate insurance product proposals based on input data.

[1306] An "insurance product" refers to a contract offered by an insurance company, and it is a financial product that allows users to manage risk by selecting the product they want.

[1307] A "user terminal" refers to an information processing device used by a user, such as a smartphone or personal computer, that is capable of input and display.

[1308] The "application process" refers to a series of steps taken when a user applies for a contract for an insurance product they have selected, and this process can be completed entirely online.

[1309] The "means of providing detailed suggestions" refer to a function that presents the contents of insurance products selected by the generative artificial intelligence to the user in a specific and comprehensive manner.

[1310] To implement this invention, a system including a user terminal, a server, and a generative artificial intelligence system is required. The components of this system and their operation are described below.

[1311] First, the user uses a user device (such as a smartphone or computer) to enter basic information. The user enters basic information such as age, gender, occupation, income, and family structure. Next, the user selects the type and purpose of the insurance they want. This information is provided when the user enters specific needs, such as "children's education funds" or "health insurance."

[1312] This basic information, along with the type and purpose of the insurance, is sent from the user's terminal to the server. The transmission process is performed in real time, and the data reaches the server as soon as the user's operation is completed.

[1313] The server uses generative artificial intelligence (AI) to analyze the received data. This AI uses advanced algorithms to select the insurance product best suited to the user's needs. The AI ​​used here is, for example, OpenAI's GPT-3 model, which proposes appropriate insurance products based on user information.

[1314] Examples of specific prompt messages are shown below.

[1315] User information:

[1316] Age: 30, Gender: Male, Occupation: IT Engineer, Income: 6 million yen, Family: Married, 1 child

[1317] Please suggest the most suitable insurance product for this user. Their needs include insurance products related to their children's education expenses.

[1318] Insurance products selected by the generative artificial intelligence are sent from the server to the user terminal as detailed recommendations. The user terminal displays detailed information about the selected insurance products. This information includes the product name, monthly premium, and savings amount.

[1319] After the user reviews the details of the proposed insurance product and is satisfied, they proceed with the application process online through their device. During this process, the user can click the "Apply" button to proceed with the contract procedures. The server then saves the application data and sends a contract confirmation to the user.

[1320] This system allows users to quickly and effectively select the insurance product best suited to their needs and apply for it easily. Furthermore, by eliminating the need for insurance agents, it reduces the burden on users and makes insurance products more accessible to a wider range of customers.

[1321] The flow of a specific process in Application Example 1 will be explained using Figure 12.

[1322] Step 1:

[1323] The user enters basic information.

[1324] On the user terminal, the user enters basic information such as their age, gender, occupation, income, and family structure. This input data is stored in the application on the user terminal.

[1325] Step 2:

[1326] The user selects the type and purpose of insurance they want.

[1327] On the user's terminal, the user selects the type of insurance (e.g., life insurance, health insurance) and purpose (e.g., children's education funds), and the selected data is stored in the terminal's application.

[1328] Step 3:

[1329] Basic information, along with the type and purpose of the insurance, is sent to the server.

[1330] The user's terminal sends the entered basic information and the selected type and purpose of insurance to the server. The server receives the transmitted data and prepares it for analysis.

[1331] Step 4:

[1332] The server uses generative artificial intelligence to select insurance products.

[1333] The server analyzes the data using generative artificial intelligence (e.g., the GPT-3 model) based on the user's basic information and the type and purpose of insurance received, and selects the most suitable insurance product. The generative artificial intelligence performs the analysis based on prompt statements like the following.

[1334] User information:

[1335] Age: 30, Gender: Male, Occupation: IT Engineer, Income: 6 million yen, Family: Married, 1 child

[1336] Please suggest the most suitable insurance product for this user. Their needs include insurance products related to their children's education expenses.

[1337] Based on the input data, the AI ​​model generates appropriate insurance products, and the results are output to the server.

[1338] Step 5:

[1339] We will provide a detailed proposal for the selected insurance products.

[1340] The server generates details of insurance products selected by a generative artificial intelligence system and prepares a detailed proposal for the user's terminal. This proposal includes information such as the product name, monthly premium, and savings amount.

[1341] Step 6:

[1342] The selected insurance products are sent to the user's terminal.

[1343] The server sends the details of the generated insurance product proposal to the user's terminal. The transmitted data is received by the user's terminal and prepared for display.

[1344] Step 7:

[1345] The user proceeds with the application process online through their device.

[1346] The user reviews the details of the proposed insurance product on their device, and if they are satisfied, they proceed with the application process online. When the user clicks the "Apply" button, the application data is sent to the server. The server saves the application data and sends a contract confirmation to the user.

[1347] This processing step allows users to quickly and efficiently select the most suitable insurance product and complete a simple online application process.

[1348] 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.

[1349] This invention combines a system that takes basic information from the user and proposes the most suitable insurance product based on that information with an emotion engine. This system includes a user terminal, a server, a generative artificial intelligence system, and an emotion engine, and operates as follows.

[1350] 1. Enter user information

[1351] The user enters basic information (age, gender, occupation, income, family structure, etc.) through their device. For example, this would be the process of a user using a smartphone app to enter their own information. The information entered here assumes the user is 30 years old, male, an IT engineer, has an income of 6 million yen, and is married with one child.

[1352] 2. Recognition of emotions

[1353] While the user is entering basic information, the emotion engine analyzes the user's facial expressions and voice tone through the device's camera and microphone. For example, if the user's face shows tension or anxiety while they are entering information, the engine recognizes that emotion.

[1354] 3. Confirming Needs

[1355] Next, the user selects the type and purpose of insurance they desire. For example, the user might choose insurance for the purpose of "children's education funds." The emotion engine continues to monitor the user's emotions throughout this process.

[1356] 4. Sending data

[1357] The user terminal sends the entered basic information, selected insurance type and purpose, and emotional data to the server as a single data package.

[1358] 5. Data reception and analysis

[1359] The server receives the data package and uses generative artificial intelligence to analyze the user's basic information, insurance type and purpose, and emotional data. The generative AI takes the emotional data into consideration to make a comprehensive judgment, such as whether the user is relaxed or anxious, and selects the most suitable insurance product.

[1360] 6. Presentation of Results

[1361] A proposal document containing details of the selected insurance product (features, monthly premium, coverage, benefits, etc.) is generated by the server and sent to the user's terminal. For example, the proposal document may include information such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[1362] 7. Real-time feedback

[1363] The emotion engine re-evaluates the user's emotions when viewing the proposal and provides additional explanations and advice in real time to help the user understand. For example, if the user makes a questioning expression, the system will display a prompt such as, "Shall I explain this part in more detail?"

[1364] 8. Selection and confirmation of details

[1365] The user reviews the details of the proposed insurance product and requests questions or supplementary information as needed. The server generates supplementary information in response to additional questions and sends it back to the user's terminal. The emotion engine monitors the user's emotions throughout this process.

[1366] 9. Final confirmation and application

[1367] If the user is satisfied with the proposed insurance product, they can proceed with the application process online through their device. The user can click the "Apply" button to proceed with the contract procedures. Finally, the server saves the application data and sends a contract confirmation to the user.

[1368] This allows users to receive emotionally sensitive service while efficiently and effectively selecting the optimal insurance product without the need for an agent. It also reduces the burden on agents, increases contact with younger customer segments, and promotes contract growth.

[1369] The following describes the processing flow.

[1370] Step 1:

[1371] The device displays a screen where the user enters basic information. The user enters their age, gender, occupation, income, family structure, etc.

[1372] Step 2:

[1373] The device temporarily stores the entered basic information, activates the camera and microphone, and begins emotion recognition using the emotion engine.

[1374] Step 3:

[1375] The emotion engine analyzes the user's facial expressions and tone of voice to recognize their emotional state during input. For example, if the user has an anxious expression, that information is recorded.

[1376] Step 4:

[1377] The device displays a screen prompting the user to select the desired type and purpose of insurance.

[1378] Step 5:

[1379] The user selects the type and purpose of insurance they want. Example: The user selects "Children's Education Funds".

[1380] Step 6:

[1381] The emotion engine continues to monitor the user's emotions and record the emotional state being selected. For example, if the user has a relaxed expression, that information is also recorded.

[1382] Step 7:

[1383] The device sends basic information, insurance type and purpose, and emotional data to the server as a single data package.

[1384] Step 8:

[1385] The server receives the data package.

[1386] Step 9:

[1387] The server uses generative artificial intelligence to analyze the user's basic information, insurance type and purpose, and emotional data.

[1388] Step 10:

[1389] The server uses generative artificial intelligence to select the most suitable insurance product, taking into account the user's emotional state. For example, if emotional data indicates the user is feeling anxious, it will select an insurance product that can alleviate that anxiety.

[1390] Step 11:

[1391] The server generates details of the selected insurance product and compiles them into a proposal. The proposal includes product features, monthly premiums, coverage, and benefits.

[1392] Step 12:

[1393] The server sends the proposal to the terminal.

[1394] Step 13:

[1395] The terminal receives the proposal and displays it to the user. The proposal includes details such as "Product Name: XX Education Insurance," "Monthly Premium: 10,000 yen," and "Savings Amount: 10,000,000 yen."

[1396] Step 14:

[1397] The emotion engine re-evaluates the user's emotions while they are viewing the proposal and provides additional explanations and advice in real time as needed. For example, if the user has a questioning expression, it will display a prompt such as, "Do you need more explanation about this part?"

[1398] Step 15:

[1399] Users review the details of the proposed insurance product and ask questions or request additional information as needed.

[1400] Step 16:

[1401] The server generates supplementary information in response to the additional questions and sends it back to the terminal.

[1402] Step 17:

[1403] The device receives supplementary information and displays it to the user.

[1404] Step 18:

[1405] If the user is satisfied with the proposed insurance product, they can proceed with the application process online.

[1406] Step 19:

[1407] The terminal sends the application data to the server.

[1408] Step 20:

[1409] The server saves the application data and generates a contract confirmation document.

[1410] Step 21:

[1411] The server sends the contract confirmation to the terminal.

[1412] Step 22:

[1413] The device displays the contract confirmation and prompts the user for final confirmation.

[1414] These steps provide a system where servers, terminals, and users work together to deliver emotionally sensitive, efficient, and highly accurate insurance proposals and contract procedures.

[1415] (Example 2)

[1416] 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".

[1417] Traditional insurance selection systems often provide proposals without considering the user's emotional state, leading to users feeling anxious or doubtful about the proposed content. Furthermore, users often require the assistance of an agent when choosing insurance products, resulting in inefficiency and hindering adoption, particularly among younger customer segments.

[1418] The identification processing performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means. In this invention, the server includes means for the user to input basic information, means for the user to select the type and purpose of insurance they wish to have, emotion analysis means for recognizing the user's basic information and the selected type and purpose of insurance through the terminal's camera or microphone, means for transmitting the basic information, type and purpose of insurance, and emotion data to the server, means for receiving the basic information, type and purpose of insurance, and emotion data and selecting the optimal insurance product using generative artificial intelligence, means for transmitting a proposal document regarding the selected insurance product to the user terminal, and means for re-recognizing the user's emotions when the proposal document is displayed and providing additional explanations and advice in real time. This makes it possible to propose the optimal insurance product that takes the user's emotions into consideration, allowing the user to feel secure about the proposed content and make an efficient and confident selection.

[1419] "Basic information" refers to personal information entered by the user, such as age, gender, occupation, income, and family structure.

[1420] "Type and purpose of insurance" refers to the category of insurance product selected by the user and the purpose for which they enroll.

[1421] "Emotion analysis means" refers to a function that uses the device's camera and microphone to analyze the user's facial expressions and tone of voice, and recognize the user's emotional state.

[1422] "Generative artificial intelligence" refers to algorithms and models that perform natural language processing and data analysis based on input data to propose the most suitable insurance products.

[1423] A "data package" is a unit of data transfer that combines a user's basic information, insurance type and purpose, and emotional data into one package.

[1424] A "proposal" is a document generated by the server that contains detailed information about insurance products.

[1425] The "means of providing information in real time" refer to a function that recognizes the user's emotions again when the proposal is displayed and immediately provides additional explanations or advice in response to the user's reaction.

[1426] A "user terminal" refers to a device used by a user, such as a smartphone, tablet, or PC.

[1427] A "server" is a central device that receives, analyzes, and processes data sent from user terminals.

[1428] This invention combines a system that allows users to input basic information and then suggests the most suitable insurance product based on that information with a means of sentiment analysis. This system includes a user terminal, a server, a generative artificial intelligence system, and a means of sentiment analysis.

[1429] First, the user enters basic information through their device. This basic information includes age, gender, occupation, income, and family structure. The user's device can be a smartphone, tablet, or PC, and they enter the information using a dedicated app or web form. For example, a user might enter "Age: 30," "Gender: Male," "Occupation: IT Engineer," "Income: 6 million yen," and "Family Structure: Married, 1 child."

[1430] Next, the emotion analysis system uses the device's camera and microphone to analyze the user's facial expressions and voice tone. For example, the camera captures the user's face and recognizes micro-expressions indicating tension or anxiety. The microphone also analyzes the user's voice tone to determine their emotional state. This emotion data is collected in real time during the user's input operations.

[1431] Subsequently, the user selects the desired type and purpose of insurance through the device's interface. For example, they might select insurance for "children's education funds." Throughout this process, the emotion analysis system continues to monitor the user's emotions.

[1432] The user terminal sends the entered basic information, selected insurance type and purpose, and sentiment data to the server as a single data package. A secure communication protocol such as HTTPS is used for this transmission.

[1433] The server receives the data package and analyzes the data using generative artificial intelligence (e.g., OpenAI's GPT-3). Based on the user's basic information, type and purpose of insurance, and emotional data, the server selects the most suitable insurance product. The generative artificial intelligence also considers emotional data, making a comprehensive judgment such as whether the user is relaxed or anxious.

[1434] As a result, the server generates a proposal for the selected insurance product and sends it to the user's terminal. The proposal includes details such as "product name," "monthly premium," "coverage," and "benefits." For example, it might include information such as "product name: XX Education Insurance," "monthly premium: 10,000 yen," and "savings amount: 10 million yen."

[1435] As soon as the terminal displays the proposal, the emotion analysis system re-analyzes the user's facial expression. If the user shows a confused expression, the system displays a prompt such as, "Shall I explain this part in more detail?"

[1436] Users can review the details of the proposed insurance product and request additional information. For example, a user might ask, "What are the benefits of this insurance?" The server uses generative artificial intelligence to create supplementary information and resends it to the terminal. Throughout this process, the sentiment analysis system monitors the user's emotions.

[1437] Finally, once the user is satisfied with the proposed insurance product, they click the "Apply" button to proceed with the online application process. The server saves the application data and sends a contract confirmation to the user.

[1438] A possible prompt would be: "I am 30 years old, male, an IT engineer, and earn 6 million yen. I am looking for insurance to fund my children's education."

[1439] This system allows users to receive emotionally sensitive service and efficiently and effectively select the optimal insurance product without the need for an agent. It also reduces the burden on agents, increases contact with younger customer segments, and promotes contract growth.

[1440] The flow of the specific processing in Example 2 will be explained using Figure 13.

[1441] Step 1:

[1442] Users enter basic information through their devices. Users use smartphone apps or web forms to enter basic information such as age, gender, occupation, income, and family structure. Specifically, they might enter information like: "Age: 30," "Gender: Male," "Occupation: IT Engineer," "Income: 6 million yen," and "Family Structure: Married, 1 child." The entered data is temporarily stored in the device's internal storage.

[1443] Step 2:

[1444] The device uses its camera and microphone to perform emotion analysis. While the user enters basic information, the device's camera captures the user's facial expressions and the microphone records their voice tone. The emotion analysis engine analyzes this data in real time to recognize the user's emotional state (tension, anxiety, relaxation, etc.). As a result, emotion data is generated.

[1445] Step 3:

[1446] The user selects the type and purpose of insurance they desire. Through the device's interface, they choose insurance types such as "education fund insurance" or "retirement fund insurance" and set their objectives. This input data is also saved to the device's internal storage.

[1447] Step 4:

[1448] The terminal sends the entered basic information, selected insurance type and purpose, and sentiment data to the server as a single data package. This data package contains all the information entered by the user and the results of the sentiment analysis. The data is transmitted securely using the HTTPS protocol.

[1449] Step 5:

[1450] The server receives the data package and begins analysis. Basic information, insurance type and purpose, and emotional data are extracted from the received data package. The server uses generative artificial intelligence (e.g., OpenAI's GPT-3) to analyze this data and select the optimal insurance product considering the user's needs and emotional state. As a result of the analysis, a list of candidate insurance products is generated.

[1451] Step 6:

[1452] The server generates a proposal document containing details of the selected insurance product and sends it to the user's terminal. The proposal document includes details such as "product name," "monthly premium," "coverage," and "benefits." For example, it may include information such as "product name: XX Education Insurance," "monthly premium: 10,000 yen," and "savings amount: 10 million yen." The proposal document is generated in PDF or HTML format.

[1453] Step 7:

[1454] The user's terminal displays the proposal, and the emotion analysis engine re-analyzes the user's facial expressions. The system analyzes the user's reactions to the proposal (confusion, understanding, agreement, etc.) in real time and provides additional explanations or advice as needed. For example, if the user shows a confused expression, a prompt such as "Shall I explain this part in more detail?" is displayed.

[1455] Step 8:

[1456] When a user reads a proposal and has questions or concerns, they send a request from their device to the server. The server uses generative artificial intelligence to generate supplementary information and answers to the user's questions and resends them to the device. For example, if a user asks, "What are the benefits of this insurance?", the server will provide detailed information such as, "Benefits: Low cost, wide coverage, high savings rate."

[1457] Step 9:

[1458] The user agrees to the proposed insurance product and begins the application process. Clicking the "Apply" button on the terminal initiates the contract process. The server receives the application data, generates a contract confirmation document, and sends it to the user. Generative artificial intelligence is also used in this confirmation document to verify that the user's input information matches the contract details. Finally, the contract data is saved on the server.

[1459] Through the processing steps described above, this system can propose the most suitable insurance product that takes the user's emotions into consideration, and provide efficient and reliable service.

[1460] (Application Example 2)

[1461] 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 robot 414 as the "terminal".

[1462] In physical stores, a challenge is to improve the customer purchasing experience by making optimal product recommendations based on the customer's emotional state. Traditional face-to-face customer service makes it difficult to accurately grasp customer emotions, sometimes resulting in inappropriate recommendations. To solve this problem, a system is needed that analyzes customer emotional data in real time and makes product recommendations based on that information.

[1463] The specific processing performed by the specific processing unit 290 of the data processing device 12 in Application Example 2 is realized by the following means.

[1464] In this invention, the server includes means for analyzing the user's facial expressions and tone of voice to recognize emotions, means for receiving the basic information, the type and purpose of the product, and emotion data, and for selecting the optimal product using generative artificial intelligence, and means for transmitting the selected product to the user terminal. This makes it possible to make optimal product suggestions based on the customer's emotional state.

[1465] "A means by which users input basic information via a device" refers to an interface that allows customers to input basic information such as their age, gender, occupation, income, and family structure through a device they use (such as a smartphone, tablet, or personal computer).

[1466] "A means for users to select the type and purpose of the product they desire" refers to an interface for customers to select the product category they are considering purchasing (e.g., home appliances, clothing, food, etc.) and its purpose (e.g., gift, personal use, etc.).

[1467] "Methods for analyzing a user's facial expressions and voice tone to recognize emotions" refers to technologies and software that use cameras and microphones to analyze a customer's facial expressions and voice tone, and then determine the customer's emotional state (e.g., joy, surprise, sadness, confusion, etc.) from the results.

[1468] "Means for transmitting basic information, product type and purpose, and sentiment data to a server" refers to the function of transmitting the basic information entered by the customer, the selected product category and purpose, and the analyzed sentiment data to a central server via the network.

[1469] "A means of receiving basic information, product type and purpose, and sentiment data, and selecting the optimal product using generative artificial intelligence" refers to a function that uses generative artificial intelligence to select the most suitable product for a customer based on the customer's basic information, product type and purpose, and sentiment data received by the server.

[1470] "Means for sending selected products to the user's terminal" refers to a function that sends information about the optimal products selected by the server back to the customer's device and displays or notifies them.

[1471] "A means of displaying details of selected products" refers to an interface that displays information about selected products (features, price, benefits, etc.) in an easy-to-understand format on the customer's device.

[1472] "Generative artificial intelligence" refers to artificial intelligence that has the ability to create new information based on large amounts of data, and in particular, it makes optimal product suggestions based on natural language processing and predictive models.

[1473] "Emotional data" refers to information about a customer's emotional state obtained by analyzing their facial expressions and tone of voice, and is used to improve the quality of the services provided.

[1474] This invention describes embodiments for carrying out this invention. This invention takes basic user information as input, analyzes emotional data, and suggests the most suitable product. The system includes a user terminal, a server, a generative artificial intelligence, and an emotional analysis engine. It operates as follows:

[1475] 1. Enter user information

[1476] Users enter basic information (age, gender, occupation, income, family structure, etc.) via a device such as a smartphone or tablet. For example, if a user is 30 years old, male, works as an IT engineer, earns 6 million yen, and is married with one child, they would enter this information into the application.

[1477] 2. Selection of product type and purpose

[1478] Users select the type and purpose of the product they want through their device. For example, a user might select "home appliances" and specify the purpose as "for home use." This allows the system to understand exactly what the user is trying to purchase.

[1479] 3. Recognition of emotions

[1480] While the user is entering basic information, the emotion engine analyzes the user's facial expressions and voice tone through the device's camera and microphone. For example, if the user's face shows tension or anxiety while they are entering information, the engine recognizes that emotion.

[1481] 4. Sending data

[1482] The user terminal transmits basic information, selected product type and purpose, and sentiment data to the server. This data is securely transmitted to the server over the network.

[1483] 5. Data reception and analysis

[1484] The server analyzes all received data. Using generative artificial intelligence (such as GPT-3), the server integrates basic user information, product type and purpose, and emotional data to select the most suitable product for the user. Emotional state plays a crucial role in this analysis, considering factors such as whether the user is relaxed, worried, or excited.

[1485] 6. Presentation of Results

[1486] A proposal document containing details of the optimal product selected by the server (e.g., "recommended TV model name," "price," "features," etc.) is generated and sent to the user's terminal. For example, if the user is relaxed, the proposal will emphasize detailed specifications and benefits.

[1487] 7. Real-time feedback

[1488] The emotion engine continuously monitors the user's emotions while they are viewing the proposal. If the user shows a questioning expression, the system will display additional explanations or advice, such as, "Shall I explain this part in more detail?" This allows the user to confidently select a product.

[1489] Specific example

[1490] While a customer is watching TV in the store, their smartphone camera captures their face and analyzes their facial expressions and tone of voice. If the customer appears confused, the system provides real-time feedback such as, "This TV is perfect for your needs. Shall I explain more?"

[1491] Examples of prompts for generative AI models

[1492] Customer Information: {'age': 30, 'gender': 'male', 'preferences': ['electronics', 'gaming']}

[1493] Emotional State: {'happiness': 0.2, 'sadness': 0.6, 'surprise': 0.2}

[1494] Suggest relevant products:

[1495] In this way, by making product suggestions that take the user's emotional state into consideration, it becomes possible to provide a more personalized purchasing experience.

[1496] The flow of a specific process in Application Example 2 will be explained using Figure 14.

[1497] Step 1:

[1498] The user enters basic information through the device.

[1499] Specific operation: The user enters basic information such as age, gender, occupation, income, and family structure into an input form on their smartphone or tablet.

[1500] Input: Basic information such as age, gender, occupation, income, and family structure.

[1501] Data processing and calculations: Convert input information into a unified format and prepare it for use in subsequent processing.

[1502] Output: Formatted basic information data.

[1503] Step 2:

[1504] The user selects the type and purpose of the product they want.

[1505] Specific operation: The user selects, for example, "Home Appliances" from the options within the application and specifies its purpose as "Household."

[1506] Input: Product type and purpose.

[1507] Data processing and calculations: Categorize selected information and prepare it in a format that can be used for subsequent processing.

[1508] Output: Formatted product type and purpose data.

[1509] Step 3:

[1510] The device analyzes the user's facial expressions and voice tone through its camera and microphone.

[1511] Specific operation: The device's camera recognizes the user's face, and the microphone captures the tone of their voice. An emotion analysis engine (such as EmotionRecognizer) performs the analysis in real time.

[1512] Input: Image data from the camera, audio data from the microphone.

[1513] Data processing and calculation: Image and audio data are input into the emotion analysis engine to determine emotional states such as joy, surprise, sadness, and confusion.

[1514] Output: Analyzed sentiment data.

[1515] Step 4:

[1516] The user terminal transmits basic information, product type and purpose, and sentiment data to the server.

[1517] Specific operation: The device combines all the information it has collected so far into a single data package and sends it to the server via the network.

[1518] Input: Basic information, product type and purpose, sentiment data.

[1519] Data processing and computation: Generation and transmission of data packages.

[1520] Output: Data packaged on the server.

[1521] Step 5:

[1522] The server analyzes the received data and uses generative artificial intelligence to select the most suitable product.

[1523] Specific operation: The server receives the data package and analyzes basic information, product type and purpose, and sentiment data. It then prompts a generative artificial intelligence (such as GPT-3) to generate optimal product suggestions.

[1524] Input: Data package sent to the server.

[1525] Data processing and calculation: Evaluate and analyze basic information and emotional data, generate prompt sentences, input them into a generative AI model, and obtain the results.

[1526] Output: Optimal product suggestions obtained from a generative AI model.

[1527] Example of a prompt:

[1528] Customer Information: {'age': 30, 'gender': 'male', 'preferences': ['electronics', 'gaming']}

[1529] Emotional State: {'happiness': 0.2, 'sadness': 0.6, 'surprise': 0.2}

[1530] Suggest relevant products:

[1531] Step 6:

[1532] Details of the selected product are sent to the user's terminal.

[1533] Specific operation: The server sends the generated product suggestions to the user's terminal.

[1534] Input: Product suggestions obtained from a generative AI model.

[1535] Data processing and calculation: Format the proposed content into an easy-to-read format and convert it into data for notification or display.

[1536] Output: Detailed product information sent to the user's terminal.

[1537] Step 7:

[1538] The emotion engine monitors the user's emotions when viewing the proposal and provides real-time feedback.

[1539] Specific operation: When displaying the details of a submitted product, the device's camera and microphone again monitor the user's reaction, and if any questions or confusion are detected, the sentiment engine displays appropriate additional explanations or advice in real time.

[1540] Input: Real-time user facial expression data and voice data.

[1541] Data processing and computation: Reanalysis of emotional data and feedback generation.

[1542] Output: Real-time additional explanations and advice.

[1543] The specific processing unit 290 transmits the result of the specific processing to the robot 414. In the robot 414, the control unit 46A causes the speaker 240 and the controlled object 443 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.

[1544] The data generation model 58 is a type of so-called generative AI (Artificial Intelligence). One example of the data generation model 58 is ChatGPT (Internet Search).<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search) <url: https: gemini.google.com ?hl="ja">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.

[1545] 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 robot 414.

[1546] Furthermore, the emotion identification model 59, acting as an emotion engine, may determine the user's emotion according to a specific mapping. Specifically, the emotion identification model 59 may determine the user's emotion according to a specific mapping, which is an emotion map (see Figure 9). Similarly, the emotion identification model 59 may also determine the robot's emotion, and the identification processing unit 290 may perform identification processing using the robot's emotion.

[1547] Figure 9 shows an emotion map 400 in which multiple emotions are mapped. In the emotion map 400, emotions are arranged in concentric circles radiating from the center. The closer to the center of the concentric circles, the more primitive the emotions are located. Further out of the concentric circles, emotions representing states and actions arising from mental states are located. Emotion is a concept that includes feelings and mental states. On the left side of the concentric circles, emotions that are generally generated from reactions occurring in the brain are located. On the right side of the concentric circles, emotions that are generally induced by situational judgment are located. Above and below the concentric circles, emotions that are generally generated from reactions occurring in the brain and induced by situational judgment are located. In addition, the emotion of "pleasure" is located on the upper side of the concentric circles, and the emotion of "displeasure" is located on the lower side. Thus, in the emotion map 400, multiple emotions are mapped based on the structure in which emotions arise, and emotions that are likely to occur simultaneously are mapped close together.

[1548] These emotions are distributed at the 3 o'clock position on the Emotion Map 400, and usually fluctuate between feelings of security and anxiety. In the right half of the Emotion Map 400, situational awareness takes precedence over internal feelings, resulting in a calm impression.

[1549] The inside of the Emotion Map 400 represents inner thoughts, while the outside represents actions. Therefore, the further you go from the outside of the Emotion Map 400, the more visible (expressed in actions) your emotions become.

[1550] Here, human emotions are based on various balances, such as posture and blood sugar levels. When these balances deviate from the ideal, it results in discomfort, and when they approach the ideal, it results in pleasure. Similarly, in robots, cars, motorcycles, etc., emotions can be created based on various balances, such as posture and battery level. When these balances deviate from the ideal, it results in discomfort, and when they approach the ideal, it results in pleasure. The emotion map can be generated, for example, based on Dr. Mitsuyoshi's emotion map (Research on a system for analyzing brain physiological signals of speech emotion recognition and emotion, Tokushima University, doctoral dissertation: https: / / ci.nii.ac.jp / naid / 500000375379). The left half of the emotion map contains emotions belonging to a region called "response," where sensation is dominant. The right half of the emotion map contains emotions belonging to a region called "situation," where situational awareness is dominant.

[1551] The emotion map defines two emotions that promote learning. One is the emotion around the middle of the negative "repentance" and "reflection" on the situation side. In other words, it is when the robot experiences negative emotions such as "I never want to feel this way again" or "I don't want to be scolded again." The other is the emotion around the positive "desire" on the reaction side. In other words, it is when the robot has positive feelings such as "I want more" or "I want to know more."

[1552] The emotion identification model 59 inputs user input into a pre-trained neural network, obtains emotion values ​​representing each emotion shown in the emotion map 400, and determines the user's emotion. This neural network is pre-trained based on multiple training data sets, which are combinations of user input and emotion values ​​representing each emotion shown in the emotion map 400. Furthermore, this neural network is trained so that emotions located close together have similar values, as shown in the emotion map 900 in Figure 10. Figure 10 shows an example where multiple emotions such as "reassured," "calm," and "confident" have similar emotion values.

[1553] The above description primarily focuses on the functions of the data processing device 12 in relation to this disclosure. However, the system related to this disclosure is not necessarily implemented on a server. The system related to this disclosure may be implemented as a general information processing system. This disclosure may be implemented, for example, as a software program that runs on a personal computer or as an application that runs on a smartphone. The method related to this disclosure may be provided to users in SaaS (Software as a Service) format.

[1554] In the above embodiment, an example was given in which a specific process is performed by a single computer 22. However, the technology of this disclosure is not limited thereto, and a distributed processing of the specific process may be performed by multiple computers, including computer 22. For example, a data generation model 58 may be provided in an external device of the data processing device 12, and the external device may generate data according to the input data.

[1555] In the above embodiment, an example was given in which the specific processing program 56 is stored in the storage 32, but the technology of this disclosure is not limited thereto. For example, the specific processing program 56 may be stored in a portable, computer-readable, non-temporary storage medium such as a USB (Universal Serial Bus) memory. The specific processing program 56 stored in the non-temporary storage medium is installed in the computer 22 of the data processing device 12. The processor 28 executes specific processing according to the specific processing program 56.

[1556] Alternatively, the specific processing program 56 may be stored in a storage device such as a server connected to the data processing device 12 via the network 54, and the specific processing program 56 may be downloaded and installed on the computer 22 in response to a request from the data processing device 12.

[1557] Furthermore, it is not necessary to store the entirety of the specific processing program 56 in a storage device such as a server connected to the data processing device 12 via the network 54, or to store the entirety of the specific processing program 56 in the storage 32; it is acceptable to store only a portion of the specific processing program 56.

[1558] The following types of processors can be used as hardware resources to perform specific processing. Examples of processors include a CPU, a general-purpose processor that functions as a hardware resource to perform specific processing by executing software, i.e., a program. Other examples of processors include dedicated electrical circuits, such as FPGAs (Field-Programmable Gate Arrays), PLDs (Programmable Logic Devices), or ASICs (Application Specific Integrated Circuits), which have circuit configurations specifically designed to perform specific processing. All of these processors have built-in or connected memory, and all of them perform specific processing by using memory.

[1559] The hardware resource that performs a specific process may consist of one of these various processors, or it may consist of a combination of two or more processors of the same or different types (for example, a combination of multiple FPGAs, or a combination of a CPU and an FPGA). Alternatively, the hardware resource that performs a specific process may consist of a single processor.

[1560] Examples of configurations using a single processor include, firstly, a configuration in which one or more CPUs and software are combined to form a single processor, and this processor functions as a hardware resource that performs a specific process. Secondly, there is a configuration using a processor that realizes the functions of the entire system, including multiple hardware resources that perform a specific process, on a single IC chip, as exemplified by SoCs (System-on-a-chip). In this way, a specific process is realized using one or more of the above types of processors as hardware resources.

[1561] Furthermore, the hardware structure of these various processors can more specifically utilize electrical circuits that combine circuit elements such as semiconductor devices. Also, the specific processing described above is merely an example. Therefore, it goes without saying that unnecessary steps can be deleted, new steps added, or the processing order rearranged, as long as it does not deviate from the main purpose.

[1562] The descriptions and illustrations presented above are detailed explanations of the technical aspects of this disclosure and are merely examples of the technical aspects. For example, the above descriptions of the structure, function, operation, and effect are examples of the structure, function, operation, and effect of the technical aspects of this disclosure. Therefore, it goes without saying that you may delete unnecessary parts, add new elements, or replace elements in the descriptions and illustrations presented above, as long as you do not deviate from the essence of the technical aspects of this disclosure. Furthermore, in order to avoid confusion and facilitate understanding of the technical aspects of this disclosure, explanations of common technical knowledge and the like that do not require special explanation to enable the implementation of the technical aspects of this disclosure have been omitted from the descriptions and illustrations presented above.

[1563] All documents, patent applications, and technical standards described herein are incorporated by reference to the same extent as if each individual document, patent application, and technical standard were specifically and individually noted as being incorporated by reference.

[1564] The following is further disclosed regarding the embodiments described above.

[1565] (Claim 1)

[1566] A means for users to input basic information,

[1567] The means by which users can select the type and purpose of insurance they desire,

[1568] Means for transmitting the aforementioned basic information and the type and purpose of the insurance to a server,

[1569] A means for receiving the aforementioned basic information and the type and purpose of the insurance, and for selecting an insurance product using generative artificial intelligence,

[1570] A means of transmitting the selected insurance product to the user terminal,

[1571] A system that includes this.

[1572] (Claim 2)

[1573] The system according to claim 1, which includes means for the server to analyze the user's basic information and the type and purpose of insurance using generative artificial intelligence.

[1574] (Claim 3)

[1575] The system according to claim 1, comprising means for displaying details of a selected insurance product on a user terminal.

[1576] "Example 1"

[1577] (Claim 1)

[1578] A means for users to input basic information,

[1579] The means by which users can select the type and purpose of insurance they desire,

[1580] Means for transmitting the aforementioned basic information and the type and purpose of the insurance to a server,

[1581] A means for receiving the aforementioned basic information and the type and purpose of the insurance, and for selecting an insurance product using generative artificial intelligence,

[1582] A means of transmitting the selected insurance product to the user terminal,

[1583] A means for users to review the details of the proposed insurance product and to ask additional questions or request supplementary information.

[1584] A means for generating supplementary information in response to the aforementioned additional questions and supplementary information and transmitting it to the user terminal,

[1585] The means by which users can complete the application process online,

[1586] A system that includes this.

[1587] (Claim 2)

[1588] The system according to claim 1, which includes means for the server to analyze the user's basic information and the type and purpose of insurance using generative artificial intelligence.

[1589] (Claim 3)

[1590] The system according to claim 1, comprising means for displaying details of a selected insurance product on a user terminal.

[1591] "Application Example 1"

[1592] (Claim 1)

[1593] A means for users to input basic information,

[1594] The means by which users can select the type and purpose of insurance they desire,

[1595] Means for transmitting the aforementioned basic information and the type and purpose of the insurance to a server,

[1596] A means for receiving the aforementioned basic information and the type and purpose of the insurance, and for selecting an insurance product using generative artificial intelligence,

[1597] A means of providing detailed proposals for insurance products selected by generative artificial intelligence,

[1598] A method of sending selected insurance products to the user's terminal and allowing the user to proceed with the application process online through the terminal,

[1599] A system that includes this.

[1600] (Claim 2)

[1601] The system according to claim 1, which includes means for the server to analyze the user's basic information and the type and purpose of insurance using generative artificial intelligence.

[1602] (Claim 3)

[1603] The system according to claim 1, comprising means for displaying details of a selected insurance product on a user terminal.

[1604] "Example 2 of combining an emotion engine"

[1605] (Claim 1)

[1606] A means for users to input basic information,

[1607] The means by which users can select the type and purpose of insurance they desire,

[1608] A sentiment analysis means that recognizes the user's basic information and the type and purpose of selected insurance through the device's camera or microphone,

[1609] Means for transmitting the aforementioned basic information, type and purpose of insurance, and emotional data to a server,

[1610] A means for receiving the aforementioned basic information, the type and purpose of insurance, and emotional data, and for selecting the optimal insurance product using generative artificial intelligence,

[1611] A means of sending a proposal for the selected insurance product to the user's terminal,

[1612] A means of re-recognizing the user's emotions when they see the proposal and providing additional explanations and advice in real time,

[1613] A system that includes this.

[1614] (Claim 2)

[1615] The system according to claim 1, which includes means for a server to use generative artificial intelligence to analyze the user's basic information, type and purpose of insurance, and emotional data, and to select the optimal insurance product.

[1616] (Claim 3)

[1617] The system according to claim 1, comprising means for displaying details of the selected insurance product on the user terminal and providing real-time feedback based on the user's emotions.

[1618] "Application example 2 when combining with an emotional engine"

[1619] (Claim 1)

[1620] A means for the user to input basic information through a device,

[1621] A means for users to select the type and purpose of the product they want,

[1622] A means of analyzing the user's facial expressions and tone of voice to recognize emotions,

[1623] Means for transmitting the aforementioned basic information, the type and purpose of the product, and emotional data to a server,

[1624] A means for receiving the aforementioned basic information, the type and purpose of the product, and emotional data, and for selecting the optimal product using generative artificial intelligence,

[1625] A means of sending the selected products to the user's terminal,

[1626] A system that includes this.

[1627] (Claim 2)

[1628] The system according to claim 1, which includes means for the server to analyze the user's basic information, product type and purpose, and emotional data using generative artificial intelligence.

[1629] (Claim 3)

[1630] The system according to claim 1, comprising means for displaying details of a product selected on a user terminal. [Explanation of symbols]

[1631] 10, 210, 310, 410 Data Processing Systems 12 Data Processing Devices 14 Smart Devices 214 Smart Glasses 314 Headset-type terminal 414 Robots< / url:> < / url:> < / url:> < / url:>

Claims

1. A means for users to input basic information, The means by which users can select the type and purpose of insurance they desire, Means for transmitting the aforementioned basic information and the type and purpose of the insurance to a server, A means for receiving the aforementioned basic information and the type and purpose of the insurance, and for selecting an insurance product using generative artificial intelligence, A means of transmitting the selected insurance product to the user terminal, A system that includes this.

2. The system according to claim 1, which includes means for the server to analyze the user's basic information and the type and purpose of insurance using generative artificial intelligence.

3. The system according to claim 1, comprising means for displaying details of the selected insurance product on the user terminal.

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