system

Abstract

We provide the system. [Solution] A device for acquiring user information, An analysis device that analyzes the acquired user information, A comparison device that acquires and compares multiple insurance products, A display device that presents the most suitable insurance plan to the user, 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, including steps of receiving a user utterance, adding the user utterance to a prompt including an instruction sentence related to an explanation of the chatbot's character, encoding the prompt, and inputting the encoded prompt into a language model to generate a chatbot utterance as a response to the user utterance. 【Prior Art Documents】 【Patent Documents】 【0003】 【Patent Document 1】 Japanese Patent Application Laid-Open No. 2022-180282 【Summary of the Invention】 【Problems to be Solved by the Invention】 【0004】 In modern society, many insurance companies offer various insurance plans. However, it is very difficult for users to select the plan that best suits their needs due to the vast amount and complexity of information. As a result, users may not obtain the protection suitable for themselves and may bear an economic burden due to inappropriate insurance selection. Furthermore, even when there are changes in lifestyle or the occurrence of life events, there is a risk of losing the necessary protection if the insurance content is not reviewed in a timely manner. 【Means for Solving the Problems】 【0005】 This invention provides a system that includes a device for acquiring user information, an analysis device for analyzing that information, a comparison device for acquiring and comparing multiple insurance products, and a presentation device for presenting the most suitable insurance plan to the user, thereby providing an environment in which users can easily select the most appropriate insurance plan. Furthermore, by providing a means for detecting changes in life events and automatically re-evaluating the insurance plan, the invention continuously provides optimal coverage tailored to the user's life stage, and by using a generative model that answers questions in natural language as needed, it realizes the provision of information that is easy for users to understand. 【0006】 "User information" refers to data about an individual's lifestyle, health status, income, and family structure that is necessary for selecting an insurance plan. 【0007】 "Acquisition device" refers to the hardware or software interface used to collect user information. 【0008】 An "analysis device" refers to a device that includes logic for analyzing acquired user information and identifying the most suitable insurance plan for the user. 【0009】 A "comparison device" refers to a device that retrieves multiple insurance products based on analyzed information and compares their fees, conditions, and coverage details in detail. 【0010】 A "presentation device" refers to a device that presents users with insurance plans that have been determined to be optimal based on the results of analysis and comparison. 【0011】 "Life events" refer to significant life changes that may affect a user's insurance needs, such as marriage, childbirth, or changing jobs. 【0012】 A "generative model" refers to an AI model that uses natural language processing to provide intuitive and easy-to-understand answers to user questions. [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】 An example of an embodiment of a system according to the technology of the present disclosure will be described below with reference to the accompanying drawings. 【0015】 First, the terms used in the following description will be explained. 【0016】 In the following embodiments, a tagged processor (hereinafter simply referred to as "processor") may be a single arithmetic unit or a combination of multiple arithmetic units. Also, the processor may be a single type of arithmetic unit or a combination of multiple 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, a tagged 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, a tagged 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】 The system according to this invention efficiently collects and analyzes information necessary for users to select an insurance plan, and assists them in making the optimal choice. This system includes a user terminal, a server, and a generative model. 【0035】 Data collection 【0036】 By accessing the terminal, users are provided with an interface that allows for easy input of user information. Users input information necessary for selecting insurance, such as age, gender, health status (e.g., regular exercise, medical history), income, and family structure. 【0037】 Analysis and comparison 【0038】 The entered user information is sent to the server, and the process begins. On the server, an analysis device generates a user risk profile using a specific algorithm based on the collected information. This analysis derives the features and conditions of insurance that are suitable for the user. 【0039】 Next, the server retrieves the latest insurance plan information from databases of multiple insurance companies and compares it with the analyzed risk profile. This identifies the most appropriate insurance plan, taking into account factors such as premiums, coverage, and contract terms. 【0040】 Presentation and Response 【0041】 The terminal displays analysis results and recommended plans sent from the server. Using a generative model, a function is enabled to translate technical terms into simple language and, where necessary, provide natural language responses to questions, making the presented content easy for the user to understand. 【0042】 For example, if a user asks, "What coverage is included in this plan?", the device will return information via a generative model such as, "This plan fully covers hospitalization and surgery costs, and also subsidizes transportation costs for outpatient visits." 【0043】 Responding to life events 【0044】 When users experience life events such as marriage, childbirth, or changing jobs, they can update this information through an interface on their device. The server re-analyzes the newly provided information and presents a plan that is optimal for the user's new situation. 【0045】 This system allows users to seamlessly choose the optimal insurance plan tailored to their current life stage. 【0046】 The following describes the processing flow. 【0047】 Step 1: 【0048】 The user accesses the terminal and starts the insurance plan selection system. The terminal displays a form for entering user information. 【0049】 Step 2: 【0050】 The user enters necessary information such as their age, gender, health status, income, and family structure into a form on their device and clicks the submit button. 【0051】 Step 3: 【0052】 The terminal sends user input data to the server. The transmitted data is sent via a secure protocol. 【0053】 Step 4: 【0054】 The server passes the received data to the analysis device, which then creates a user risk profile based on that information. An adaptive algorithm is used here to clarify the user's needs. 【0055】 Step 5: 【0056】 The server retrieves the latest insurance plan information from multiple insurance companies. This retrieval is done either by accessing existing insurance databases or through APIs provided by insurance companies. 【0057】 Step 6: 【0058】 The server uses a comparison device to compare the analyzed risk profile with the acquired insurance information in detail. The information compared includes rates, conditions, and coverage details. 【0059】 Step 7: 【0060】 The server selects the most suitable insurance plan and sends it to the terminal, which then presents that plan to the user. 【0061】 Step 8: 【0062】 Users can view the details of the insurance plan presented through their device. If they have any questions, they can enter them directly into the device. 【0063】 Step 9: 【0064】 The device utilizes a generative model in response to user inquiries and provides natural language answers based on data received from the server. 【0065】 Step 10: 【0066】 When a user enters information about life events (e.g., marriage or childbirth) into their device, that information is sent to the server, which then performs a re-analysis. 【0067】 Step 11: 【0068】 The server completes the process by re-selecting the optimal insurance plan based on the user's new circumstances and presenting it to the terminal. 【0069】 (Example 1) 【0070】 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." 【0071】 Modern consumers face an increasing number of insurance products and complex choices, making it difficult to select the optimal insurance plan that meets their individual needs. Furthermore, there is a lack of flexible systems that allow for appropriate review of insurance coverage as life stages change. Additionally, the complex terminology and conditions of insurance policies are difficult to understand, highlighting the need for easily accessible information for consumers. 【0072】 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. 【0073】 In this invention, the server includes input means for acquiring user information, means for generating a risk profile using analysis means, and comparison means for comparing multiple insurance plans. This enables users to quickly and accurately select the insurance plan best suited to their needs. Furthermore, a function to re-evaluate insurance plans in response to changes in life stages allows the system to always provide users with the most suitable proposals. In addition, natural language responses using a generative model make it easier for users to understand specialized terminology and grasp the details of the insurance. 【0074】 "Input method" refers to the interface through which users provide the system with the information necessary for selecting insurance. 【0075】 "Analysis means" refers to a device or program for generating a risk profile based on acquired user information. 【0076】 "Comparison means" refers to a method or apparatus for matching analyzed risk profiles with insurance information to make the optimal insurance selection. 【0077】 "Display means" refers to screens or devices used to visually provide users with the most suitable insurance proposals. 【0078】 A "generative model" refers to a machine learning model used to answer questions entered through natural language processing. 【0079】 "Response means" refers to a system component that uses a generative model to generate natural language responses to user inquiries. 【0080】 An "information processing system" refers to an entire system equipped with a set of functions configured for acquiring, analyzing, comparing, and presenting user information. 【0081】 "Life stage changes" refer to significant changes in the user's living environment, such as marriage, childbirth, or changing jobs. 【0082】 "Communication means" refers to the protocols and devices used to securely transmit user information to a server. 【0083】 This system is designed to enhance user convenience and streamline the process of selecting the optimal insurance plan. The following describes the system's implementation in detail. 【0084】 Users access the system using a terminal and provide information such as age, gender, health status, income, and family structure through an input screen. The terminal collects this information, verifies the input format, and then sends it to the server. The transmitted data is encrypted through the communication method, ensuring the security of the information. 【0085】 The server executes analytical means to perform analysis based on the received user information. This analysis uses statistical models and machine learning algorithms to generate a user risk profile. This risk profile reflects the user's lifestyle and health status and provides criteria for selecting insurance. 【0086】 Once the analysis is complete, the server uses comparison tools to retrieve a large amount of insurance information and compare it with the generated risk profile. This process selects the most suitable insurance plan for the user and presents it to them through their terminal. 【0087】 Furthermore, the device utilizes a generative AI model to convert technical jargon into simpler language so that the user can easily understand the presented content, and provides natural language responses to questions as needed. For example, if a user asks, "What are the benefits of this insurance?", the device will respond, "This insurance is low-cost, yet it provides solid coverage for hospitalization and surgery costs." 【0088】 Furthermore, users can update their information via their device when life events (such as marriage or childbirth) occur, and the server re-analyzes the data based on the new information. This allows the system to re-present the insurance plan best suited to the user's new situation. 【0089】 As a concrete example, consider a user in their 30s who is considering a new policy and uses this system to prompt as follows: "I am a 30-year-old individual with an annual income of 5 million yen, and I would like to review my insurance due to marriage. Please suggest the best plan for me." In this case, the system will quickly provide the best advice based on updated information. 【0090】 The flow of the specific processing in Example 1 will be explained using Figure 11. 【0091】 Step 1: 【0092】 The user uses a terminal to access the system's dedicated interface and enter information such as age, gender, health status, income, and family structure. This process allows the terminal to structure the entered data, check for formatting compatibility, and prepare to send the data to the server. 【0093】 Step 2: 【0094】 The terminal sends the input information to the server. During this process, the data is encrypted using a communication method to ensure security during transmission. The input data is then appropriately formatted so that the server can accurately analyze it. 【0095】 Step 3: 【0096】 The server generates a risk profile from the received user information through analysis. In this process, statistical models and machine learning algorithms are applied to assess the risk level based on the user's health status and lifestyle. The resulting risk profile is used as a criterion for selecting insurance. 【0097】 Step 4: 【0098】 The server uses comparison tools to access numerous insurance information databases and retrieve the latest list of insurance products. This insurance information is compared with the generated risk profile to select the optimal insurance plan. In this process, factors such as cost, coverage, and contract terms are comprehensively considered. 【0099】 Step 5: 【0100】 The server selects the optimal insurance plan and then sends the data to the terminal. The terminal presents the received information to the user and uses a generative AI model to convert technical terms into simpler language. This makes it easier for the user to understand the insurance details presented. 【0101】 Step 6: 【0102】 When a user asks a question about the presented insurance plan, the device generates a natural language response to the question via a generative AI model. Through this process, the user can receive answers to questions such as "What are the benefits of this insurance?" such as "It covers hospitalization and surgery costs at a low cost." 【0103】 Step 7: 【0104】 When users experience life events such as marriage or childbirth, they update their information via their device. This updated information is sent to the server, which reassessss the risks based on the new information and presents the user with a more suitable insurance plan. This process is a crucial function for meeting users' evolving needs. 【0105】 (Application Example 1) 【0106】 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." 【0107】 When individual users choose the insurance plan that best suits their needs, it is difficult to make the right selection from a vast amount of information, and it is also time-consuming to quickly revise their plans in response to changes in life events. Furthermore, there is a lack of efficient systems for managing payment methods for the selected insurance plan, so there is a need to improve user convenience. 【0108】 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. 【0109】 In this invention, the server includes means for acquiring user information, means for analyzing the acquired user information, means for acquiring and comparing multiple insurance products, means for presenting the most suitable insurance plan to the user, electronic processing means for managing insurance plan payments, and means for detecting and notifying changes due to life events. As a result, users can efficiently select the most suitable insurance plan for themselves, respond quickly to changes in life events, and easily manage insurance premium payments. 【0110】 "Means of acquiring user information" refers to the means of collecting information from users, including age, gender, health status, income, and family structure, and incorporating it into the system. 【0111】 "Means for analyzing acquired user information" refers to methods for generating risk profiles using specific algorithms based on collected user information, and for proposing the most suitable insurance plan. 【0112】 "Methods for obtaining and comparing multiple insurance products" refers to methods for obtaining information on various insurance products from databases of multiple insurance companies and comparing them based on the user's risk profile. 【0113】 "Means of presenting the optimal insurance plan to the user" refers to means of presenting the insurance plan deemed optimal based on the analysis results through a user interface. 【0114】 "Electronic processing means for managing insurance plan payments" refers to a means for electronically managing the payment method for selected insurance plans and improving user convenience. 【0115】 "Means for detecting and notifying changes due to life events" refers to means for detecting changes in a user's life events and providing notifications to re-present an appropriate insurance plan based on the results. 【0116】 The system for implementing this invention consists of a series of processes that acquire and analyze user information and propose insurance plans. First, user information is collected using a user interface such as a smartphone as a terminal. This information includes age, gender, health status, income, family structure, etc. 【0117】 The server executes algorithms to analyze the collected user information. This analysis process uses a generative AI model to generate a user risk profile and determine the optimal insurance plan. The server retrieves insurance product information from databases of multiple insurance companies and compares it based on the user's risk profile. 【0118】 The analysis results are presented to the user via the device as the most suitable insurance plan. The presented information is simplified by a generative AI model, and natural language responses are provided to the user's questions. For example, in response to a question such as, "What coverage is included in this plan?", the device will reply, "This plan fully covers hospitalization and surgery costs, and also subsidizes transportation costs for outpatient visits." 【0119】 Furthermore, changes in life events (such as marriage or changing jobs) are detected by the device, and the new information is sent to the server. The server then re-analyzes this new information, resets the insurance plan to suit the new situation, and notifies the user. 【0120】 This system also includes electronic processing tools for managing insurance plan payments, allowing users to easily pay premiums via a terminal. This enables users to effectively select the insurance plan best suited to their needs and respond appropriately to life events. 【0121】 As a concrete example, when a user changes jobs and their income increases, the system will re-suggest an insurance plan best suited to their new income and efficiently support payment management. Examples of prompt messages include: "When choosing an insurance plan, we will compare options and suggest the best one. In particular, please tell me the best plan if XX (function or situation) changes." 【0122】 The flow of a specific process in Application Example 1 will be explained using Figure 12. 【0123】 Step 1: 【0124】 The terminal provides the user with an input interface and collects user information such as age, gender, health status, income, and family structure. This information is collected on the terminal through direct input by the user. 【0125】 Step 2: 【0126】 The terminal organizes the collected user information and sends it to the server as data packets. During this process, the data is processed to verify the integrity of the information and convert it into the required format. 【0127】 Step 3: 【0128】 The server generates a risk profile to analyze the received user information. In this process, a generating AI model is used to apply algorithms based on various data to perform a risk assessment appropriate for the user. 【0129】 Step 4: 【0130】 The server compares the analyzed risk profile with a database of insurance products obtained from multiple insurance companies. This comparison performs data calculations to identify the optimal insurance plan based on product characteristics and conditions. 【0131】 Step 5: 【0132】 The server sends the optimal insurance plan information to the terminal. During this process, technical terms are converted into simpler language by a generative AI model. The information is presented in a way that the user can easily understand. 【0133】 Step 6: 【0134】 The device presents the user with recommended insurance plans and uses a generative AI model to provide natural language responses to user questions. These responses clearly explain the specific coverage details and conditions. 【0135】 Step 7: 【0136】 When a user experiences a life event, the device detects this and sends a request to the server to update the information. Based on the new information, the server re-analyzes the risk profile and re-evaluates the appropriate plan. 【0137】 Step 8: 【0138】 The terminal displays information about the re-evaluated insurance plan to the user and provides instructions on how to manage the new plan via electronic payment. 【0139】 This series of processes allows users to select and manage the insurance plan that best suits their situation. 【0140】 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. 【0141】 This invention supports more personalized insurance selection by incorporating an emotion engine that recognizes user emotions into an insurance plan selection system. The system includes a user terminal, a server, an emotion engine, and a generative model. 【0142】 Data collection and emotion recognition 【0143】 When a user accesses the terminal and begins selecting insurance, the terminal provides a form for entering user information. While the user enters the necessary information, the terminal's built-in sensors record the user's facial expressions and voice, and send this information to the emotion engine. 【0144】 The emotion engine recognizes emotional states such as joy, anxiety, and excitement through analysis of the user's facial expressions and voice tone. This information is analyzed in real time and transmitted to the server. 【0145】 Analysis and plan presentation 【0146】 The server analyzes the user's lifestyle information and emotional data to identify the most suitable insurance plan for them. Emotional data is used to adjust the nuances of the proposed plan. For example, if the user expresses anxiety, the server prioritizes presenting insurance plans that mitigate risk. 【0147】 Optimizing Natural Language Dialogue 【0148】 Insurance plan information transmitted from the server is presented to the terminal in natural language form by a generative model. At this time, the dialogue is optimized to aid user understanding based on emotional information provided by the emotion engine. For example, if the user raises a question, reassuring explanations are added. 【0149】 The connection between life events and emotions 【0150】 When a user reports a life event to their device, the emotional engine also recognizes the associated emotional changes and sends them to the server. Based on this information, the server re-evaluates insurance plans and prepares new recommendations. For example, if a user is feeling anxious about an upcoming birth, the server will recommend a plan with comprehensive coverage related to children. 【0151】 This system aims to create more satisfying insurance contracts by enabling users to make choices that align with their own emotional state. 【0152】 The following describes the processing flow. 【0153】 Step 1: 【0154】 The user accesses the device and launches the application for selecting an insurance plan. The device displays a form for entering user information. 【0155】 Step 2: 【0156】 The user enters information such as their age, gender, health status, income, and family structure on the device. Meanwhile, the device transmits the user's facial expressions and voice to the emotion engine via the camera and microphone. 【0157】 Step 3: 【0158】 The device's emotion engine analyzes the user's facial expressions and voice data to identify the user's emotional state. This identified information is sent to the server in real time. 【0159】 Step 4: 【0160】 The server uses the received user information and sentiment data to activate an analysis device, which then selects an insurance plan based on the user's risk profile and emotions. 【0161】 Step 5: 【0162】 The server retrieves the latest insurance plan information from each insurance company and identifies a plan that matches the user's profile and emotions. Sentimental data is considered during this process to adjust for nuances. 【0163】 Step 6: 【0164】 The server transmits optimal insurance plan information to the terminal via a presentation device. The terminal uses a generative model to explain the plan details to the user in an intuitive manner. 【0165】 Step 7: 【0166】 Users can view insurance plan details through their device. If they have questions, they can enter them in natural language. A generative model adjusts the answers and provides explanations based on sentiment data. 【0167】 Step 8: 【0168】 When a user enters life event information into their device, the device sends this information to the server. The emotion engine also identifies any emotional changes that occur during this process and sends this information to the server as additional data. 【0169】 Step 9: 【0170】 The server re-analyzes the newly received information, selects an insurance plan more suitable for the life events, and presents it to the user's device. The user can then choose the optimal insurance plan based on the updated information. 【0171】 (Example 2) 【0172】 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 will be referred to as the "terminal." 【0173】 Traditional insurance selection systems have struggled to improve user satisfaction because they do not provide personalized recommendations that take into account the user's emotional state. Furthermore, they lack sufficient mechanisms to appropriately reflect changes due to life events in insurance plans, making it impossible to consistently present users with the most suitable insurance plan. 【0174】 The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means. 【0175】 In this invention, the server includes means for acquiring user information and emotional data, means for analyzing the acquired user information and emotional data, means for comparing insurance products based on the analysis results and adjusting the presented content based on emotions, and means for presenting the adjusted insurance plan in natural language using a generative model. This enables personalized insurance plan proposals that correspond to the user's emotional state, and further facilitates the re-evaluation and updating of insurance plans in response to life events. 【0176】 "User information" refers to the user's personal data and information about their lifestyle, including age, occupation, medical history, and desired coverage. 【0177】 "Emotional data" refers to information about the user's emotional state obtained from their facial expressions, voice, etc., and includes data that identifies emotions such as joy, anxiety, and excitement. 【0178】 "Means of analysis" refers to methods and processes for processing and analyzing acquired user information and emotional data to identify insurance plans suitable for the user. 【0179】 "Insurance products" refer to various insurance plans and contract details offered by insurance companies, and include types such as life insurance, medical insurance, and property insurance. 【0180】 A "generative model" refers to an algorithm or computer system that utilizes natural language processing technology to interact with users and present information, and has the function of generating appropriate responses to user questions. 【0181】 A "prompt" in a generative model refers to instructions or guidelines used to optimize natural language dialogue, and is used to guide appropriate responses and explanations. 【0182】 "Life events" refer to significant events in a user's life, including marriage, childbirth, and changing jobs. 【0183】 "Natural language" refers to the linguistic expressions that humans use on a daily basis, and it is the format necessary for computers to communicate smoothly with humans. 【0184】 To implement the invention in this system, a user terminal, a server, an emotion engine, and a generative model are required. 【0185】 Users access an insurance selection interface via a terminal and input personal and lifestyle information. During this process, the terminal uses built-in sensors to record the user's facial expressions and voice in real time, collecting emotional data. This data is sent to an emotion engine, which analyzes the user's emotional state, such as joy or anxiety. The emotion engine utilizes facial expression analysis software and voice tone recognition tools to analyze the data. 【0186】 The server analyzes emotional data received from the emotion engine and information entered by the user. This analysis takes into account the user's emotional state and identifies the most suitable insurance plan. It also uses emotional data to adjust the nuances of the explanations and suggestions for insurance plans. For example, if the user expresses anxiety, the server will prioritize selecting insurance plans that can alleviate that anxiety. 【0187】 The server uses a generative model to present the selected insurance plan to the user's terminal in natural language. To do this, the generative model generates explanatory text and dialogue based on pre-prepared prompts. For example, a possible prompt might be, "Generate and display a concise explanation that provides reassurance when the user is feeling anxious." When the user asks a question, the generative model, following the prompt, creates a reassuring answer to the question and presents it to the user. 【0188】 Furthermore, when a user reports a life event (e.g., marriage or childbirth), the terminal collects the emotional changes associated with that event, analyzes them using an emotion engine, and sends the information to the server. Based on this information, the server re-evaluates future insurance plans and prepares new proposals. In this way, the configuration of the present invention enables flexible insurance selection that responds to the user's emotional state and life events. 【0189】 The flow of the specific processing in Example 2 will be explained using Figure 13. 【0190】 Step 1: 【0191】 The user uses a device to access an interface for selecting insurance and enters personal and lifestyle information. The entered information is stored in the user's basic database. During this process, the device records the user's facial expressions and voice through its built-in sensors and stores this as emotional data in the database. This emotional data includes labels such as "joy" and "anxiety" analyzed from facial expressions. 【0192】 Step 2: 【0193】 The terminal transfers the collected emotional data to the emotion engine. The emotion engine uses facial expression analysis software and voice analysis tools to analyze the emotional data in detail. From the input facial expression and voice data, it quantifies emotional states such as joy and anxiety and sends them to the server. This quantified data is used for the following processing as an analysis result. 【0194】 Step 3: 【0195】 The server uses the received sentiment data and user information to select the optimal insurance plan based on an algorithm. It analyzes the sentiment data and user information as input and presents insurance plans tailored to the user's risk tolerance and coverage needs. For example, if a user expresses anxiety about risk, the server recommends a risk-mitigating insurance plan. This result is then output as the appropriate insurance plan. 【0196】 Step 4: 【0197】 The server uses a generation AI model to generate a natural language description of the selected insurance plan and sends it to the user's terminal. The generation AI model generates the description based on the prompt, creating an easy-to-understand and refined description of the insurance plan as output. For example, using the prompt "Generate and display a reassuring explanation in a situation where the user feels anxious," the AI ​​model generates an explanation that emphasizes reassurance. 【0198】 Step 5: 【0199】 When a user reports a life event, the device uses an emotion engine to re-analyze the event information and emotional changes, and then transmits the data to the server. The server uses the new emotional data to re-evaluate the current insurance plan and makes updates or new suggestions as needed. For example, if a marriage report is received, a family plan will be suggested. As a result of this re-evaluation, the user is offered a new insurance plan. 【0200】 (Application Example 2) 【0201】 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". 【0202】 Traditional selection systems often fail to consider the user's emotional state, resulting in plans that do not align with the user's essential needs. This leads to users selecting inappropriate products, ultimately resulting in decreased customer satisfaction. Furthermore, the emotional stress and anxiety experienced by users are not adequately addressed. 【0203】 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. 【0204】 In this invention, the server includes means for recognizing the user's emotions, means for adjusting the plan based on the recognized emotions, and means for a generative model that performs question-answering in natural language. This makes it possible to propose an optimal plan that takes the user's emotions into account, thereby improving the user experience and customer satisfaction. 【0205】 "User information" refers to personal data and profile information about the system's users, including name, age, address, and past transaction history. 【0206】 "Means of acquisition" refers to functions and devices for collecting information and inputting it into a system, such as sensors and input forms. 【0207】 "Means of analysis" refers to the functions and processes used to process acquired information and derive meaningful insights. 【0208】 "Means of comparison" refers to the process of evaluating multiple options and selecting the best one from among them. 【0209】 "Means of presentation" refers to functions for displaying or communicating analysis results and selected information to users. 【0210】 "Means of recognizing emotions" refers to technological functions that identify and understand a user's emotional state from their facial expressions, voice, etc. 【0211】 "Means of adjustment" refers to functions for appropriately changing or modifying the content of information provided according to the situation and conditions. 【0212】 A "generative model" refers to a machine learning model that generates natural language responses or information based on input data. 【0213】 The system for realizing this invention includes a device for acquiring and analyzing user information, a device for comparing multiple options, a device for presenting offers suitable for the user, and a device for recognizing the user's emotions and adjusting the selected offers based on that information. 【0214】 The device first uses its camera and microphone to capture the user's facial expressions and voice. For this purpose, it uses the smartphone's built-in camera and microphone, or other hardware such as a webcam. The facial and voice data is analyzed in real time by an emotion recognition engine to identify the user's emotional state. This analysis utilizes speech recognition technologies such as OpenCV and Google® Cloud Speech-to-Text API, using Python. 【0215】 The server receives information sent from the terminal and analyzes it in combination with user history data and sentiment data stored in the database. A database management system such as MySQL® is used for this process. Based on the analysis results, an optimized offer is generated and presented to the user. In this process, a finely tuned explanation is generated using OpenAI®'s GPT natural language generation model. 【0216】 For example, if a user expresses anxiety when making an electronic payment, the system can analyze their emotions and provide options with high point reward rates or reassuring campaign information. This allows the user to proceed with the transaction with confidence. 【0217】 An example of a prompt using a generative AI model is: "Explain what kind of emotional data would be useful for offering special promotions to a user who is using emotional pay while shopping." In this way, the system can effectively utilize emotional data to provide the most relevant suggestions to the user. 【0218】 The flow of a specific process in Application Example 2 will be explained using Figure 14. 【0219】 Step 1: 【0220】 The device uses a camera and microphone to capture the user's facial expressions and voice. The input consists of real-time video and audio data. This data is then transmitted to an emotion recognition engine based on sensor technology. Specifically, it collects data using the smartphone's built-in sensors and converts it into digital signals. 【0221】 Step 2: 【0222】 The device analyzes acquired facial and audio data using an emotion recognition engine. Facial data is analyzed using OpenCV, and audio data is processed using the Google Cloud Speech-to-Text API. The input is the digital data to be analyzed, and the output is metadata indicating the identified user's emotional state. Specifically, this analysis evaluates emotional nuances, such as whether the user is feeling at ease or stressed, as digital data. 【0223】 Step 3: 【0224】 The server receives sentiment data sent from the terminal and analyzes it in combination with historical data in the database. The input data consists of sentiment metadata and historical consumption history data. The output is a list of suggestions with priorities adjusted based on sentiment and historical data. During this process, MySQL is used to quickly search historical data and retrieve suggestions that reflect sentiment trends. 【0225】 Step 4: 【0226】 The server generates optimized offers in natural language using a generative AI model based on the analysis results. The input is a list of suggestions and their priorities, and the output is an explanatory text to present to the user. Specifically, it uses OpenAI's GPT to generate suggestions that are sensitive to the user's emotions and creates documents in a natural conversational format. This generation process involves leveraging sentiment data to incorporate the necessary sense of security into the suggestions. 【0227】 Step 5: 【0228】 The system presents the user with generated offers and prompts them to make a selection or confirmation. The input is a generated natural language suggestion, and the output is an asynchronous response or selection option from the user. Specifically, it displays information to the user via a smartphone display and provides interactive choices. The user's selection acts as a trigger for the next action within the system. 【0229】 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. 【0230】 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. 【0231】 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. 【0232】 [Second Embodiment] 【0233】 Figure 3 shows an example of the configuration of the data processing system 210 according to the second embodiment. 【0234】 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. 【0235】 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). 【0236】 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. 【0237】 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. 【0238】 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). 【0239】 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. 【0240】 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. 【0241】 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. 【0242】 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. 【0243】 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. 【0244】 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". 【0245】 The system according to this invention efficiently collects and analyzes information necessary for users to select an insurance plan, and assists them in making the optimal choice. This system includes a user terminal, a server, and a generative model. 【0246】 Data collection 【0247】 By accessing the terminal, users are provided with an interface that allows for easy input of user information. Users input information necessary for selecting insurance, such as age, gender, health status (e.g., regular exercise, medical history), income, and family structure. 【0248】 Analysis and comparison 【0249】 The entered user information is sent to the server, and the process begins. On the server, an analysis device generates a user risk profile using a specific algorithm based on the collected information. This analysis derives the features and conditions of insurance that are suitable for the user. 【0250】 Next, the server retrieves the latest insurance plan information from databases of multiple insurance companies and compares it with the analyzed risk profile. This identifies the most appropriate insurance plan, taking into account factors such as premiums, coverage, and contract terms. 【0251】 Presentation and Response 【0252】 The terminal displays analysis results and recommended plans sent from the server. Using a generative model, a function is enabled to translate technical terms into simple language and, where necessary, provide natural language responses to questions, making the presented content easy for the user to understand. 【0253】 For example, if a user asks, "What coverage is included in this plan?", the device will return information via a generative model such as, "This plan fully covers hospitalization and surgery costs, and also subsidizes transportation costs for outpatient visits." 【0254】 Responding to life events 【0255】 When users experience life events such as marriage, childbirth, or changing jobs, they can update this information through an interface on their device. The server re-analyzes the newly provided information and presents a plan that is optimal for the user's new situation. 【0256】 This system allows users to seamlessly choose the optimal insurance plan tailored to their current life stage. 【0257】 The following describes the processing flow. 【0258】 Step 1: 【0259】 The user accesses the terminal and starts the insurance plan selection system. The terminal displays a form for entering user information. 【0260】 Step 2: 【0261】 The user enters necessary information such as their age, gender, health status, income, and family structure into a form on their device and clicks the submit button. 【0262】 Step 3: 【0263】 The terminal sends user input data to the server. The transmitted data is sent via a secure protocol. 【0264】 Step 4: 【0265】 The server passes the received data to the analysis device, which then creates a user risk profile based on that information. An adaptive algorithm is used here to clarify the user's needs. 【0266】 Step 5: 【0267】 The server retrieves the latest insurance plan information from multiple insurance companies. This retrieval is done either by accessing existing insurance databases or through APIs provided by insurance companies. 【0268】 Step 6: 【0269】 The server uses a comparison device to compare the analyzed risk profile with the acquired insurance information in detail. The information compared includes rates, conditions, and coverage details. 【0270】 Step 7: 【0271】 The server selects the most suitable insurance plan and sends it to the terminal, which then presents that plan to the user. 【0272】 Step 8: 【0273】 Users can view the details of the insurance plan presented through their device. If they have any questions, they can enter them directly into the device. 【0274】 Step 9: 【0275】 The device utilizes a generative model in response to user inquiries and provides natural language answers based on data received from the server. 【0276】 Step 10: 【0277】 When a user enters information about life events (e.g., marriage or childbirth) into their device, that information is sent to the server, which then performs a re-analysis. 【0278】 Step 11: 【0279】 The server completes the process by re-selecting the optimal insurance plan based on the user's new circumstances and presenting it to the terminal. 【0280】 (Example 1) 【0281】 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." 【0282】 Modern consumers face an increasing number of insurance products and complex choices, making it difficult to select the optimal insurance plan that meets their individual needs. Furthermore, there is a lack of flexible systems that allow for appropriate review of insurance coverage as life stages change. Additionally, the complex terminology and conditions of insurance policies are difficult to understand, highlighting the need for easily accessible information for consumers. 【0283】 The specific processing by the specific processing unit 290 of the data processing apparatus 12 in Example 1 is realized by the following means respectively. 【0284】 In this invention, the server includes an input means for acquiring user information, a means for generating a risk profile using an analysis means, and a comparison means for comparing a plurality of insurance information. Thereby, it becomes possible for the user to quickly and accurately select an insurance plan optimal for his or her needs. In addition, by the function of detecting changes in the life stage and re-evaluating the insurance plan, it is possible to always provide an optimal proposal to the user. Furthermore, by the natural language response using the generation model, it becomes easier for the user to understand technical terms and easier to grasp the insurance content. 【0285】 The "input means" refers to an interface for the user to provide the system with information necessary for insurance selection. 【0286】 The "analysis means" refers to a device or program for generating a risk profile based on the acquired user information. 【0287】 The "comparison means" refers to a method or device for collating the analyzed risk profile and insurance information to make an optimal insurance selection. 【0288】 The "display means" refers to a screen or device for visually providing the user with an optimal insurance proposal. 【0289】 The "generation model" refers to a machine learning model used to answer questions input through natural language processing. 【0290】 The "response means" refers to a system component for creating a natural language answer to an inquiry from the user using the generation model. 【0291】 The "information processing system" refers to the entire system having a series of functions configured to acquire, analyze, compare, and present user information. 【0292】 "Life stage changes" refer to significant changes in the user's living environment, such as marriage, childbirth, or changing jobs. 【0293】 "Communication means" refers to the protocols and devices used to securely transmit user information to a server. 【0294】 This system is designed to enhance user convenience and streamline the process of selecting the optimal insurance plan. The following describes the system's implementation in detail. 【0295】 Users access the system using a terminal and provide information such as age, gender, health status, income, and family structure through an input screen. The terminal collects this information, verifies the input format, and then sends it to the server. The transmitted data is encrypted through the communication method, ensuring the security of the information. 【0296】 The server executes analytical means to perform analysis based on the received user information. This analysis uses statistical models and machine learning algorithms to generate a user risk profile. This risk profile reflects the user's lifestyle and health status and provides criteria for selecting insurance. 【0297】 Once the analysis is complete, the server uses comparison tools to retrieve a large amount of insurance information and compare it with the generated risk profile. This process selects the most suitable insurance plan for the user and presents it to them through their terminal. 【0298】 Furthermore, the device utilizes a generative AI model to convert technical jargon into simpler language so that the user can easily understand the presented content, and provides natural language responses to questions as needed. For example, if a user asks, "What are the benefits of this insurance?", the device will respond, "This insurance is low-cost, yet it provides solid coverage for hospitalization and surgery costs." 【0299】 Also, when a life event (e.g., marriage or childbirth) occurs to the user, the user can update the information through the terminal, and the server will perform re-analysis based on the new information. As a result, an insurance plan optimal for the user's new situation will be re-presented. 【0300】 As a specific example, consider a user in their 30s who is considering a new policy and uses this system to prompt as follows: "At the age of 30, an individual with an annual income of 5 million yen wants to review their insurance due to marriage. Please propose the optimal plan." In this case, the system will quickly provide optimal advice based on the updated information. 【0301】 The flow of the specific process in Example 1 will be described using FIG. 11. 【0302】 Step 1: 【0303】 The user uses the terminal to access the dedicated interface of the system and enters information such as age, gender, health status, income, and family composition. By this operation, the terminal structures the input data, checks the conformity of the input format, and prepares to send the data to the server. 【0304】 Step 2: 【0305】 The terminal sends the input information to the server. At this time, the data is encrypted using the communication means to ensure security during transmission. The input data is appropriately converted in format so that the server can accurately analyze it. 【0306】 Step 3: 【0307】 The server generates a risk profile for the received user information through the analysis means. In this process, statistical models and machine learning algorithms are applied, and the risk level is evaluated based on the user's health status and lifestyle. The resulting risk profile is used as a criterion for insurance selection. 【0308】 Step 4: 【0309】 The server uses comparison tools to access numerous insurance information databases and retrieve the latest list of insurance products. This insurance information is compared with the generated risk profile to select the optimal insurance plan. In this process, factors such as cost, coverage, and contract terms are comprehensively considered. 【0310】 Step 5: 【0311】 The server selects the optimal insurance plan and then sends the data to the terminal. The terminal presents the received information to the user and uses a generative AI model to convert technical terms into simpler language. This makes it easier for the user to understand the insurance details presented. 【0312】 Step 6: 【0313】 When a user asks a question about the presented insurance plan, the device generates a natural language response to the question via a generative AI model. Through this process, the user can receive answers to questions such as "What are the benefits of this insurance?" such as "It covers hospitalization and surgery costs at a low cost." 【0314】 Step 7: 【0315】 When users experience life events such as marriage or childbirth, they update their information via their device. This updated information is sent to the server, which reassessss the risks based on the new information and presents the user with a more suitable insurance plan. This process is a crucial function for meeting users' evolving needs. 【0316】 (Application Example 1) 【0317】 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." 【0318】 When individual users choose the insurance plan that best suits their needs, it is difficult to make the right selection from a vast amount of information, and it is also time-consuming to quickly revise their plans in response to changes in life events. Furthermore, there is a lack of efficient systems for managing payment methods for the selected insurance plan, so there is a need to improve user convenience. 【0319】 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. 【0320】 In this invention, the server includes means for acquiring user information, means for analyzing the acquired user information, means for acquiring and comparing multiple insurance products, means for presenting the most suitable insurance plan to the user, electronic processing means for managing insurance plan payments, and means for detecting and notifying changes due to life events. As a result, users can efficiently select the most suitable insurance plan for themselves, respond quickly to changes in life events, and easily manage insurance premium payments. 【0321】 "Means of acquiring user information" refers to the means of collecting information from users, including age, gender, health status, income, and family structure, and incorporating it into the system. 【0322】 "Means for analyzing acquired user information" refers to methods for generating risk profiles using specific algorithms based on collected user information, and for proposing the most suitable insurance plan. 【0323】 "Methods for obtaining and comparing multiple insurance products" refers to methods for obtaining information on various insurance products from databases of multiple insurance companies and comparing them based on the user's risk profile. 【0324】 "Means of presenting the optimal insurance plan to the user" refers to means of presenting the insurance plan deemed optimal based on the analysis results through a user interface. 【0325】 "Electronic processing means for managing insurance plan payments" refers to a means for electronically managing the payment method for selected insurance plans and improving user convenience. 【0326】 "Means for detecting and notifying changes due to life events" refers to means for detecting changes in a user's life events and providing notifications to re-present an appropriate insurance plan based on the results. 【0327】 The system for implementing this invention consists of a series of processes that acquire and analyze user information and propose insurance plans. First, user information is collected using a user interface such as a smartphone as a terminal. This information includes age, gender, health status, income, family structure, etc. 【0328】 The server executes algorithms to analyze the collected user information. This analysis process uses a generative AI model to generate a user risk profile and determine the optimal insurance plan. The server retrieves insurance product information from databases of multiple insurance companies and compares it based on the user's risk profile. 【0329】 The analysis results are presented to the user via the device as the most suitable insurance plan. The presented information is simplified by a generative AI model, and natural language responses are provided to the user's questions. For example, in response to a question such as, "What coverage is included in this plan?", the device will reply, "This plan fully covers hospitalization and surgery costs, and also subsidizes transportation costs for outpatient visits." 【0330】 Furthermore, changes in life events (such as marriage or changing jobs) are detected by the device, and the new information is sent to the server. The server then re-analyzes this new information, resets the insurance plan to suit the new situation, and notifies the user. 【0331】 This system also includes electronic processing tools for managing insurance plan payments, allowing users to easily pay premiums via a terminal. This enables users to effectively select the insurance plan best suited to their needs and respond appropriately to life events. 【0332】 As a concrete example, when a user changes jobs and their income increases, the system will re-suggest an insurance plan best suited to their new income and efficiently support payment management. Examples of prompt messages include: "When choosing an insurance plan, we will compare options and suggest the best one. In particular, please tell me the best plan if XX (function or situation) changes." 【0333】 The flow of a specific process in Application Example 1 will be explained using Figure 12. 【0334】 Step 1: 【0335】 The terminal provides the user with an input interface and collects user information such as age, gender, health status, income, and family structure. This information is collected on the terminal through direct input by the user. 【0336】 Step 2: 【0337】 The terminal organizes the collected user information and sends it to the server as data packets. During this process, the data is processed to verify the integrity of the information and convert it into the required format. 【0338】 Step 3: 【0339】 The server generates a risk profile to analyze the received user information. In this process, a generating AI model is used to apply algorithms based on various data to perform a risk assessment appropriate for the user. 【0340】 Step 4: 【0341】 The server compares the analyzed risk profile with a database of insurance products obtained from multiple insurance companies. This comparison performs data calculations to identify the optimal insurance plan based on product characteristics and conditions. 【0342】 Step 5: 【0343】 The server sends the optimal insurance plan information to the terminal. During this process, technical terms are converted into simpler language by a generative AI model. The information is presented in a way that the user can easily understand. 【0344】 Step 6: 【0345】 The device presents the user with recommended insurance plans and uses a generative AI model to provide natural language responses to user questions. These responses clearly explain the specific coverage details and conditions. 【0346】 Step 7: 【0347】 When a user experiences a life event, the device detects this and sends a request to the server to update the information. Based on the new information, the server re-analyzes the risk profile and re-evaluates the appropriate plan. 【0348】 Step 8: 【0349】 The terminal displays information about the re-evaluated insurance plan to the user and provides instructions on how to manage the new plan via electronic payment. 【0350】 This series of processes allows users to select and manage the insurance plan that best suits their situation. 【0351】 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. 【0352】 This invention supports more personalized insurance selection by incorporating an emotion engine that recognizes user emotions into an insurance plan selection system. The system includes a user terminal, a server, an emotion engine, and a generative model. 【0353】 Data collection and emotion recognition 【0354】 When a user accesses the terminal and begins selecting insurance, the terminal provides a form for entering user information. While the user enters the necessary information, the terminal's built-in sensors record the user's facial expressions and voice, and send this information to the emotion engine. 【0355】 The emotion engine recognizes emotional states such as joy, anxiety, and excitement through analysis of the user's facial expressions and voice tone. This information is analyzed in real time and transmitted to the server. 【0356】 Analysis and plan presentation 【0357】 The server analyzes the user's lifestyle information and emotional data to identify the most suitable insurance plan for them. Emotional data is used to adjust the nuances of the proposed plan. For example, if the user expresses anxiety, the server prioritizes presenting insurance plans that mitigate risk. 【0358】 Optimizing Natural Language Dialogue 【0359】 Insurance plan information transmitted from the server is presented to the terminal in natural language form by a generative model. At this time, the dialogue is optimized to aid user understanding based on emotional information provided by the emotion engine. For example, if the user raises a question, reassuring explanations are added. 【0360】 The connection between life events and emotions 【0361】 When a user reports a life event to their device, the emotional engine also recognizes the associated emotional changes and sends them to the server. Based on this information, the server re-evaluates insurance plans and prepares new recommendations. For example, if a user is feeling anxious about an upcoming birth, the server will recommend a plan with comprehensive coverage related to children. 【0362】 This system aims to create more satisfying insurance contracts by enabling users to make choices that align with their own emotional state. 【0363】 The following describes the processing flow. 【0364】 Step 1: 【0365】 The user accesses the device and launches the application for selecting an insurance plan. The device displays a form for entering user information. 【0366】 Step 2: 【0367】 The user enters information such as their age, gender, health status, income, and family structure on the device. Meanwhile, the device transmits the user's facial expressions and voice to the emotion engine via the camera and microphone. 【0368】 Step 3: 【0369】 The device's emotion engine analyzes the user's facial expressions and voice data to identify the user's emotional state. This identified information is sent to the server in real time. 【0370】 Step 4: 【0371】 The server uses the received user information and sentiment data to activate an analysis device, which then selects an insurance plan based on the user's risk profile and emotions. 【0372】 Step 5: 【0373】 The server retrieves the latest insurance plan information from each insurance company and identifies a plan that matches the user's profile and emotions. Sentimental data is considered during this process to adjust for nuances. 【0374】 Step 6: 【0375】 The server transmits optimal insurance plan information to the terminal via a presentation device. The terminal uses a generative model to explain the plan details to the user in an intuitive manner. 【0376】 Step 7: 【0377】 Users can view insurance plan details through their device. If they have questions, they can enter them in natural language. A generative model adjusts the answers and provides explanations based on sentiment data. 【0378】 Step 8: 【0379】 When a user enters life event information into their device, the device sends this information to the server. The emotion engine also identifies any emotional changes that occur during this process and sends this information to the server as additional data. 【0380】 Step 9: 【0381】 The server re-analyzes the newly received information, selects an insurance plan more suitable for the life events, and presents it to the user's device. The user can then choose the optimal insurance plan based on the updated information. 【0382】 (Example 2) 【0383】 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". 【0384】 Traditional insurance selection systems have struggled to improve user satisfaction because they do not provide personalized recommendations that take into account the user's emotional state. Furthermore, they lack sufficient mechanisms to appropriately reflect changes due to life events in insurance plans, making it impossible to consistently present users with the most suitable insurance plan. 【0385】 The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means. 【0386】 In this invention, the server includes means for acquiring user information and emotional data, means for analyzing the acquired user information and emotional data, means for comparing insurance products based on the analysis results and adjusting the presented content based on emotions, and means for presenting the adjusted insurance plan in natural language using a generative model. This enables personalized insurance plan proposals that correspond to the user's emotional state, and further facilitates the re-evaluation and updating of insurance plans in response to life events. 【0387】 "User information" refers to the user's personal data and information about their lifestyle, including age, occupation, medical history, and desired coverage. 【0388】 "Emotional data" refers to information about the user's emotional state obtained from their facial expressions, voice, etc., and includes data that identifies emotions such as joy, anxiety, and excitement. 【0389】 "Means of analysis" refers to methods and processes for processing and analyzing acquired user information and emotional data to identify insurance plans suitable for the user. 【0390】 "Insurance products" refer to various insurance plans and contract details offered by insurance companies, and include types such as life insurance, medical insurance, and property insurance. 【0391】 A "generative model" refers to an algorithm or computer system that utilizes natural language processing technology to interact with users and present information, and has the function of generating appropriate responses to user questions. 【0392】 A "prompt" in a generative model refers to instructions or guidelines used to optimize natural language dialogue, and is used to guide appropriate responses and explanations. 【0393】 "Life events" refer to significant events in a user's life, including marriage, childbirth, and changing jobs. 【0394】 "Natural language" refers to the linguistic expressions that humans use on a daily basis, and it is the format necessary for computers to communicate smoothly with humans. 【0395】 To implement the invention in this system, a user terminal, a server, an emotion engine, and a generative model are required. 【0396】 Users access an insurance selection interface via a terminal and input personal and lifestyle information. During this process, the terminal uses built-in sensors to record the user's facial expressions and voice in real time, collecting emotional data. This data is sent to an emotion engine, which analyzes the user's emotional state, such as joy or anxiety. The emotion engine utilizes facial expression analysis software and voice tone recognition tools to analyze the data. 【0397】 The server analyzes emotional data received from the emotion engine and information entered by the user. This analysis takes into account the user's emotional state and identifies the most suitable insurance plan. It also uses emotional data to adjust the nuances of the explanations and suggestions for insurance plans. For example, if the user expresses anxiety, the server will prioritize selecting insurance plans that can alleviate that anxiety. 【0398】 The server uses a generative model to present the selected insurance plan to the user's terminal in natural language. To do this, the generative model generates explanatory text and dialogue based on pre-prepared prompts. For example, a possible prompt might be, "Generate and display a concise explanation that provides reassurance when the user is feeling anxious." When the user asks a question, the generative model, following the prompt, creates a reassuring answer to the question and presents it to the user. 【0399】 Furthermore, when a user reports a life event (e.g., marriage or childbirth), the terminal collects the emotional changes associated with that event, analyzes them using an emotion engine, and sends the information to the server. Based on this information, the server re-evaluates future insurance plans and prepares new proposals. In this way, the configuration of the present invention enables flexible insurance selection that responds to the user's emotional state and life events. 【0400】 The flow of the specific processing in Example 2 will be explained using Figure 13. 【0401】 Step 1: 【0402】 The user uses a device to access an interface for selecting insurance and enters personal and lifestyle information. The entered information is stored in the user's basic database. During this process, the device records the user's facial expressions and voice through its built-in sensors and stores this as emotional data in the database. This emotional data includes labels such as "joy" and "anxiety" analyzed from facial expressions. 【0403】 Step 2: 【0404】 The terminal transfers the collected emotional data to the emotion engine. The emotion engine uses facial expression analysis software and voice analysis tools to analyze the emotional data in detail. From the input facial expression and voice data, it quantifies emotional states such as joy and anxiety and sends them to the server. This quantified data is used for the following processing as an analysis result. 【0405】 Step 3: 【0406】 The server uses the received sentiment data and user information to select the optimal insurance plan based on an algorithm. It analyzes the sentiment data and user information as input and presents insurance plans tailored to the user's risk tolerance and coverage needs. For example, if a user expresses anxiety about risk, the server recommends a risk-mitigating insurance plan. This result is then output as the appropriate insurance plan. 【0407】 Step 4: 【0408】 The server uses a generation AI model to generate a natural language description of the selected insurance plan and sends it to the user's terminal. The generation AI model generates the description based on the prompt, creating an easy-to-understand and refined description of the insurance plan as output. For example, using the prompt "Generate and display a reassuring explanation in a situation where the user feels anxious," the AI ​​model generates an explanation that emphasizes reassurance. 【0409】 Step 5: 【0410】 When a user reports a life event, the device uses an emotion engine to re-analyze the event information and emotional changes, and then transmits the data to the server. The server uses the new emotional data to re-evaluate the current insurance plan and makes updates or new suggestions as needed. For example, if a marriage report is received, a family plan will be suggested. As a result of this re-evaluation, the user is offered a new insurance plan. 【0411】 (Application Example 2) 【0412】 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." 【0413】 Traditional selection systems often fail to consider the user's emotional state, resulting in plans that do not align with the user's essential needs. This leads to users selecting inappropriate products, ultimately resulting in decreased customer satisfaction. Furthermore, the emotional stress and anxiety experienced by users are not adequately addressed. 【0414】 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. 【0415】 In this invention, the server includes means for recognizing the user's emotions, means for adjusting the plan based on the recognized emotions, and means for a generative model that performs question-answering in natural language. This makes it possible to propose an optimal plan that takes the user's emotions into account, thereby improving the user experience and customer satisfaction. 【0416】 "User information" refers to personal data and profile information about the system's users, including name, age, address, and past transaction history. 【0417】 "Means of acquisition" refers to functions and devices for collecting information and inputting it into a system, such as sensors and input forms. 【0418】 "Means of analysis" refers to the functions and processes used to process acquired information and derive meaningful insights. 【0419】 "Means of comparison" refers to the process of evaluating multiple options and selecting the best one from among them. 【0420】 "Means of presentation" refers to functions for displaying or communicating analysis results and selected information to users. 【0421】 "Means of recognizing emotions" refers to technological functions that identify and understand a user's emotional state from their facial expressions, voice, etc. 【0422】 "Means of adjustment" refers to functions for appropriately changing or modifying the content of information provided according to the situation and conditions. 【0423】 A "generative model" refers to a machine learning model that generates natural language responses or information based on input data. 【0424】 The system for realizing this invention includes a device for acquiring and analyzing user information, a device for comparing multiple options, a device for presenting offers suitable for the user, and a device for recognizing the user's emotions and adjusting the selected offers based on that information. 【0425】 The device first uses its camera and microphone to capture the user's facial expressions and voice. For this purpose, it uses the smartphone's built-in camera and microphone, or other hardware such as a webcam. The facial and voice data is analyzed in real time by an emotion recognition engine to identify the user's emotional state. This analysis utilizes speech recognition technologies such as OpenCV and the Google Cloud Speech-to-Text API, using Python. 【0426】 The server receives information sent from the terminal and analyzes it in combination with user history data and sentiment data stored in the database. A database management system such as MySQL is used for this process. Based on the analysis results, an optimized offer is generated and presented to the user. In this process, a finely tuned explanation is generated using OpenAI's GPT natural language generation model. 【0427】 For example, if a user expresses anxiety when making an electronic payment, the system can analyze their emotions and provide options with high point reward rates or reassuring campaign information. This allows the user to proceed with the transaction with confidence. 【0428】 An example of a prompt using a generative AI model is: "Explain what kind of emotional data would be useful for offering special promotions to a user who is using emotional pay while shopping." In this way, the system can effectively utilize emotional data to provide the most relevant suggestions to the user. 【0429】 The flow of a specific process in Application Example 2 will be explained using Figure 14. 【0430】 Step 1: 【0431】 The device uses a camera and microphone to capture the user's facial expressions and voice. The input consists of real-time video and audio data. This data is then transmitted to an emotion recognition engine based on sensor technology. Specifically, it collects data using the smartphone's built-in sensors and converts it into digital signals. 【0432】 Step 2: 【0433】 The device analyzes acquired facial and audio data using an emotion recognition engine. Facial data is analyzed using OpenCV, and audio data is processed using the Google Cloud Speech-to-Text API. The input is the digital data to be analyzed, and the output is metadata indicating the identified user's emotional state. Specifically, this analysis evaluates emotional nuances, such as whether the user is feeling at ease or stressed, as digital data. 【0434】 Step 3: 【0435】 The server receives sentiment data sent from the terminal and analyzes it in combination with historical data in the database. The input data consists of sentiment metadata and historical consumption history data. The output is a list of suggestions with priorities adjusted based on sentiment and historical data. During this process, MySQL is used to quickly search historical data and retrieve suggestions that reflect sentiment trends. 【0436】 Step 4: 【0437】 The server generates optimized offers in natural language using a generative AI model based on the analysis results. The input is a list of suggestions and their priorities, and the output is an explanatory text to present to the user. Specifically, it uses OpenAI's GPT to generate suggestions that are sensitive to the user's emotions and creates documents in a natural conversational format. This generation process involves leveraging sentiment data to incorporate the necessary sense of security into the suggestions. 【0438】 Step 5: 【0439】 The system presents the user with generated offers and prompts them to make a selection or confirmation. The input is a generated natural language suggestion, and the output is an asynchronous response or selection option from the user. Specifically, it displays information to the user via a smartphone display and provides interactive choices. The user's selection acts as a trigger for the next action within the system. 【0440】 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. 【0441】 Data generation model 58 is a type of so-called generative AI (Artificial Intelligence). One example of data generation model 58 is ChatGPT (Internet search<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search) <url: https: gemini.google.com ?hl="ja">Examples of generative AI include the following. The data generation model 58 is obtained by performing deep learning on a neural network. The data generation model 58 is input with prompts containing instructions, and with inference data such as audio data representing speech, text data representing text, and image data representing images. The data generation model 58 infers from the input inference data according to the instructions indicated by the prompts, and outputs the inference results in data formats such as audio data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization. 【0442】 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. 【0443】 [Third Embodiment] 【0444】 Figure 5 shows an example of the configuration of the data processing system 310 according to the third embodiment. 【0445】 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. 【0446】 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). 【0447】 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. 【0448】 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. 【0449】 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). 【0450】 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. 【0451】 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. 【0452】 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. 【0453】 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. 【0454】 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. 【0455】 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". 【0456】 The system according to this invention efficiently collects and analyzes information necessary for users to select an insurance plan, and assists them in making the optimal choice. This system includes a user terminal, a server, and a generative model. 【0457】 Data collection 【0458】 By accessing the terminal, users are provided with an interface that allows for easy input of user information. Users input information necessary for selecting insurance, such as age, gender, health status (e.g., regular exercise, medical history), income, and family structure. 【0459】 Analysis and comparison 【0460】 The entered user information is sent to the server, and the process begins. On the server, an analysis device generates a user risk profile using a specific algorithm based on the collected information. This analysis derives the features and conditions of insurance that are suitable for the user. 【0461】 Next, the server retrieves the latest insurance plan information from databases of multiple insurance companies and compares it with the analyzed risk profile. This identifies the most appropriate insurance plan, taking into account factors such as premiums, coverage, and contract terms. 【0462】 Presentation and Response 【0463】 The terminal displays analysis results and recommended plans sent from the server. Using a generative model, a function is enabled to translate technical terms into simple language and, where necessary, provide natural language responses to questions, making the presented content easy for the user to understand. 【0464】 For example, if a user asks, "What coverage is included in this plan?", the device will return information via a generative model such as, "This plan fully covers hospitalization and surgery costs, and also subsidizes transportation costs for outpatient visits." 【0465】 Responding to life events 【0466】 When users experience life events such as marriage, childbirth, or changing jobs, they can update this information through an interface on their device. The server re-analyzes the newly provided information and presents a plan that is optimal for the user's new situation. 【0467】 This system allows users to seamlessly choose the optimal insurance plan tailored to their current life stage. 【0468】 The following describes the processing flow. 【0469】 Step 1: 【0470】 The user accesses the terminal and starts the insurance plan selection system. The terminal displays a form for entering user information. 【0471】 Step 2: 【0472】 The user enters necessary information such as their age, gender, health status, income, and family structure into a form on their device and clicks the submit button. 【0473】 Step 3: 【0474】 The terminal sends user input data to the server. The transmitted data is sent via a secure protocol. 【0475】 Step 4: 【0476】 The server passes the received data to the analysis device, which then creates a user risk profile based on that information. An adaptive algorithm is used here to clarify the user's needs. 【0477】 Step 5: 【0478】 The server retrieves the latest insurance plan information from multiple insurance companies. This retrieval is done either by accessing existing insurance databases or through APIs provided by insurance companies. 【0479】 Step 6: 【0480】 The server uses a comparison device to compare the analyzed risk profile with the acquired insurance information in detail. The information compared includes rates, conditions, and coverage details. 【0481】 Step 7: 【0482】 The server selects the most suitable insurance plan and sends it to the terminal, which then presents that plan to the user. 【0483】 Step 8: 【0484】 Users can view the details of the insurance plan presented through their device. If they have any questions, they can enter them directly into the device. 【0485】 Step 9: 【0486】 The device utilizes a generative model in response to user inquiries and provides natural language answers based on data received from the server. 【0487】 Step 10: 【0488】 When a user enters information about life events (e.g., marriage or childbirth) into their device, that information is sent to the server, which then performs a re-analysis. 【0489】 Step 11: 【0490】 The server completes the process by re-selecting the optimal insurance plan based on the user's new circumstances and presenting it to the terminal. 【0491】 (Example 1) 【0492】 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." 【0493】 Modern consumers face an increasing number of insurance products and complex choices, making it difficult to select the optimal insurance plan that meets their individual needs. Furthermore, there is a lack of flexible systems that allow for appropriate review of insurance coverage as life stages change. Additionally, the complex terminology and conditions of insurance policies are difficult to understand, highlighting the need for easily accessible information for consumers. 【0494】 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. 【0495】 In this invention, the server includes input means for acquiring user information, means for generating a risk profile using analysis means, and comparison means for comparing multiple insurance plans. This enables users to quickly and accurately select the insurance plan best suited to their needs. Furthermore, a function to re-evaluate insurance plans in response to changes in life stages allows the system to always provide users with the most suitable proposals. In addition, natural language responses using a generative model make it easier for users to understand specialized terminology and grasp the details of the insurance. 【0496】 "Input method" refers to the interface through which users provide the system with the information necessary for selecting insurance. 【0497】 "Analysis means" refers to a device or program for generating a risk profile based on acquired user information. 【0498】 "Comparison means" refers to a method or apparatus for matching analyzed risk profiles with insurance information to make the optimal insurance selection. 【0499】 "Display means" refers to screens or devices used to visually provide users with the most suitable insurance proposals. 【0500】 A "generative model" refers to a machine learning model used to answer questions entered through natural language processing. 【0501】 "Response means" refers to a system component that uses a generative model to generate natural language responses to user inquiries. 【0502】 An "information processing system" refers to an entire system equipped with a set of functions configured for acquiring, analyzing, comparing, and presenting user information. 【0503】 "Life stage changes" refer to significant changes in the user's living environment, such as marriage, childbirth, or changing jobs. 【0504】 "Communication means" refers to the protocols and devices used to securely transmit user information to a server. 【0505】 This system is designed to enhance user convenience and streamline the process of selecting the optimal insurance plan. The following describes the system's implementation in detail. 【0506】 Users access the system using a terminal and provide information such as age, gender, health status, income, and family structure through an input screen. The terminal collects this information, verifies the input format, and then sends it to the server. The transmitted data is encrypted through the communication method, ensuring the security of the information. 【0507】 The server executes analytical means to perform analysis based on the received user information. This analysis uses statistical models and machine learning algorithms to generate a user risk profile. This risk profile reflects the user's lifestyle and health status and provides criteria for selecting insurance. 【0508】 Once the analysis is complete, the server uses comparison tools to retrieve a large amount of insurance information and compare it with the generated risk profile. This process selects the most suitable insurance plan for the user and presents it to them through their terminal. 【0509】 Furthermore, the device utilizes a generative AI model to convert technical jargon into simpler language so that the user can easily understand the presented content, and provides natural language responses to questions as needed. For example, if a user asks, "What are the benefits of this insurance?", the device will respond, "This insurance is low-cost, yet it provides solid coverage for hospitalization and surgery costs." 【0510】 Furthermore, users can update their information via their device when life events (such as marriage or childbirth) occur, and the server re-analyzes the data based on the new information. This allows the system to re-present the insurance plan best suited to the user's new situation. 【0511】 As a concrete example, consider a user in their 30s who is considering a new policy and uses this system to prompt as follows: "I am a 30-year-old individual with an annual income of 5 million yen, and I would like to review my insurance due to marriage. Please suggest the best plan for me." In this case, the system will quickly provide the best advice based on updated information. 【0512】 The flow of the specific processing in Example 1 will be explained using Figure 11. 【0513】 Step 1: 【0514】 The user uses a terminal to access the system's dedicated interface and enter information such as age, gender, health status, income, and family structure. This process allows the terminal to structure the entered data, check for formatting compatibility, and prepare to send the data to the server. 【0515】 Step 2: 【0516】 The terminal sends the input information to the server. During this process, the data is encrypted using a communication method to ensure security during transmission. The input data is then appropriately formatted so that the server can accurately analyze it. 【0517】 Step 3: 【0518】 The server generates a risk profile from the received user information through analysis. In this process, statistical models and machine learning algorithms are applied to assess the risk level based on the user's health status and lifestyle. The resulting risk profile is used as a criterion for selecting insurance. 【0519】 Step 4: 【0520】 The server uses comparison tools to access numerous insurance information databases and retrieve the latest list of insurance products. This insurance information is compared with the generated risk profile to select the optimal insurance plan. In this process, factors such as cost, coverage, and contract terms are comprehensively considered. 【0521】 Step 5: 【0522】 The server selects the optimal insurance plan and then sends the data to the terminal. The terminal presents the received information to the user and uses a generative AI model to convert technical terms into simpler language. This makes it easier for the user to understand the insurance details presented. 【0523】 Step 6: 【0524】 When a user asks a question about the presented insurance plan, the device generates a natural language response to the question via a generative AI model. Through this process, the user can receive answers to questions such as "What are the benefits of this insurance?" such as "It covers hospitalization and surgery costs at a low cost." 【0525】 Step 7: 【0526】 When users experience life events such as marriage or childbirth, they update their information via their device. This updated information is sent to the server, which reassessss the risks based on the new information and presents the user with a more suitable insurance plan. This process is a crucial function for meeting users' evolving needs. 【0527】 (Application Example 1) 【0528】 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." 【0529】 When individual users choose the insurance plan that best suits their needs, it is difficult to make the right selection from a vast amount of information, and it is also time-consuming to quickly revise their plans in response to changes in life events. Furthermore, there is a lack of efficient systems for managing payment methods for the selected insurance plan, so there is a need to improve user convenience. 【0530】 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. 【0531】 In this invention, the server includes means for acquiring user information, means for analyzing the acquired user information, means for acquiring and comparing multiple insurance products, means for presenting the most suitable insurance plan to the user, electronic processing means for managing insurance plan payments, and means for detecting and notifying changes due to life events. As a result, users can efficiently select the most suitable insurance plan for themselves, respond quickly to changes in life events, and easily manage insurance premium payments. 【0532】 "Means of acquiring user information" refers to the means of collecting information from users, including age, gender, health status, income, and family structure, and incorporating it into the system. 【0533】 "Means for analyzing acquired user information" refers to methods for generating risk profiles using specific algorithms based on collected user information, and for proposing the most suitable insurance plan. 【0534】 "Methods for obtaining and comparing multiple insurance products" refers to methods for obtaining information on various insurance products from databases of multiple insurance companies and comparing them based on the user's risk profile. 【0535】 "Means of presenting the optimal insurance plan to the user" refers to means of presenting the insurance plan deemed optimal based on the analysis results through a user interface. 【0536】 "Electronic processing means for managing insurance plan payments" refers to a means for electronically managing the payment method for selected insurance plans and improving user convenience. 【0537】 "Means for detecting and notifying changes due to life events" refers to means for detecting changes in a user's life events and providing notifications to re-present an appropriate insurance plan based on the results. 【0538】 The system for implementing this invention consists of a series of processes that acquire and analyze user information and propose insurance plans. First, user information is collected using a user interface such as a smartphone as a terminal. This information includes age, gender, health status, income, family structure, etc. 【0539】 The server executes algorithms to analyze the collected user information. This analysis process uses a generative AI model to generate a user risk profile and determine the optimal insurance plan. The server retrieves insurance product information from databases of multiple insurance companies and compares it based on the user's risk profile. 【0540】 The analysis results are presented to the user via the device as the most suitable insurance plan. The presented information is simplified by a generative AI model, and natural language responses are provided to the user's questions. For example, in response to a question such as, "What coverage is included in this plan?", the device will reply, "This plan fully covers hospitalization and surgery costs, and also subsidizes transportation costs for outpatient visits." 【0541】 Furthermore, changes in life events (such as marriage or changing jobs) are detected by the device, and the new information is sent to the server. The server then re-analyzes this new information, resets the insurance plan to suit the new situation, and notifies the user. 【0542】 This system also includes electronic processing tools for managing insurance plan payments, allowing users to easily pay premiums via a terminal. This enables users to effectively select the insurance plan best suited to their needs and respond appropriately to life events. 【0543】 As a concrete example, when a user changes jobs and their income increases, the system will re-suggest an insurance plan best suited to their new income and efficiently support payment management. Examples of prompt messages include: "When choosing an insurance plan, we will compare options and suggest the best one. In particular, please tell me the best plan if XX (function or situation) changes." 【0544】 The flow of a specific process in Application Example 1 will be explained using Figure 12. 【0545】 Step 1: 【0546】 The terminal provides the user with an input interface and collects user information such as age, gender, health status, income, and family structure. This information is collected on the terminal through direct input by the user. 【0547】 Step 2: 【0548】 The terminal organizes the collected user information and sends it to the server as data packets. During this process, the data is processed to verify the integrity of the information and convert it into the required format. 【0549】 Step 3: 【0550】 The server generates a risk profile to analyze the received user information. In this process, a generating AI model is used to apply algorithms based on various data to perform a risk assessment appropriate for the user. 【0551】 Step 4: 【0552】 The server compares the analyzed risk profile with a database of insurance products obtained from multiple insurance companies. This comparison performs data calculations to identify the optimal insurance plan based on product characteristics and conditions. 【0553】 Step 5: 【0554】 The server sends the optimal insurance plan information to the terminal. During this process, technical terms are converted into simpler language by a generative AI model. The information is presented in a way that the user can easily understand. 【0555】 Step 6: 【0556】 The device presents the user with recommended insurance plans and uses a generative AI model to provide natural language responses to user questions. These responses clearly explain the specific coverage details and conditions. 【0557】 Step 7: 【0558】 When a user experiences a life event, the device detects this and sends a request to the server to update the information. Based on the new information, the server re-analyzes the risk profile and re-evaluates the appropriate plan. 【0559】 Step 8: 【0560】 The terminal displays information about the re-evaluated insurance plan to the user and provides instructions on how to manage the new plan via electronic payment. 【0561】 This series of processes allows users to select and manage the insurance plan that best suits their situation. 【0562】 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. 【0563】 This invention supports more personalized insurance selection by incorporating an emotion engine that recognizes user emotions into an insurance plan selection system. The system includes a user terminal, a server, an emotion engine, and a generative model. 【0564】 Data collection and emotion recognition 【0565】 When a user accesses the terminal and begins selecting insurance, the terminal provides a form for entering user information. While the user enters the necessary information, the terminal's built-in sensors record the user's facial expressions and voice, and send this information to the emotion engine. 【0566】 The emotion engine recognizes emotional states such as joy, anxiety, and excitement through analysis of the user's facial expressions and voice tone. This information is analyzed in real time and transmitted to the server. 【0567】 Analysis and plan presentation 【0568】 The server analyzes the user's lifestyle information and emotional data to identify the most suitable insurance plan for them. Emotional data is used to adjust the nuances of the proposed plan. For example, if the user expresses anxiety, the server prioritizes presenting insurance plans that mitigate risk. 【0569】 Optimizing Natural Language Dialogue 【0570】 Insurance plan information transmitted from the server is presented to the terminal in natural language form by a generative model. At this time, the dialogue is optimized to aid user understanding based on emotional information provided by the emotion engine. For example, if the user raises a question, reassuring explanations are added. 【0571】 The connection between life events and emotions 【0572】 When a user reports a life event to their device, the emotional engine also recognizes the associated emotional changes and sends them to the server. Based on this information, the server re-evaluates insurance plans and prepares new recommendations. For example, if a user is feeling anxious about an upcoming birth, the server will recommend a plan with comprehensive coverage related to children. 【0573】 This system aims to create more satisfying insurance contracts by enabling users to make choices that align with their own emotional state. 【0574】 The following describes the processing flow. 【0575】 Step 1: 【0576】 The user accesses the device and launches the application for selecting an insurance plan. The device displays a form for entering user information. 【0577】 Step 2: 【0578】 The user enters information such as their age, gender, health status, income, and family structure on the device. Meanwhile, the device transmits the user's facial expressions and voice to the emotion engine via the camera and microphone. 【0579】 Step 3: 【0580】 The device's emotion engine analyzes the user's facial expressions and voice data to identify the user's emotional state. This identified information is sent to the server in real time. 【0581】 Step 4: 【0582】 The server uses the received user information and sentiment data to activate an analysis device, which then selects an insurance plan based on the user's risk profile and emotions. 【0583】 Step 5: 【0584】 The server retrieves the latest insurance plan information from each insurance company and identifies a plan that matches the user's profile and emotions. Sentimental data is considered during this process to adjust for nuances. 【0585】 Step 6: 【0586】 The server transmits optimal insurance plan information to the terminal via a presentation device. The terminal uses a generative model to explain the plan details to the user in an intuitive manner. 【0587】 Step 7: 【0588】 Users can view insurance plan details through their device. If they have questions, they can enter them in natural language. A generative model adjusts the answers and provides explanations based on sentiment data. 【0589】 Step 8: 【0590】 When a user enters life event information into their device, the device sends this information to the server. The emotion engine also identifies any emotional changes that occur during this process and sends this information to the server as additional data. 【0591】 Step 9: 【0592】 The server re-analyzes the newly received information, selects an insurance plan more suitable for the life events, and presents it to the user's device. The user can then choose the optimal insurance plan based on the updated information. 【0593】 (Example 2) 【0594】 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." 【0595】 Traditional insurance selection systems have struggled to improve user satisfaction because they do not provide personalized recommendations that take into account the user's emotional state. Furthermore, they lack sufficient mechanisms to appropriately reflect changes due to life events in insurance plans, making it impossible to consistently present users with the most suitable insurance plan. 【0596】 The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means. 【0597】 In this invention, the server includes means for acquiring user information and emotional data, means for analyzing the acquired user information and emotional data, means for comparing insurance products based on the analysis results and adjusting the presented content based on emotions, and means for presenting the adjusted insurance plan in natural language using a generative model. This enables personalized insurance plan proposals that correspond to the user's emotional state, and further facilitates the re-evaluation and updating of insurance plans in response to life events. 【0598】 "User information" refers to the user's personal data and information about their lifestyle, including age, occupation, medical history, and desired coverage. 【0599】 "Emotional data" refers to information about the user's emotional state obtained from their facial expressions, voice, etc., and includes data that identifies emotions such as joy, anxiety, and excitement. 【0600】 "Means of analysis" refers to methods and processes for processing and analyzing acquired user information and emotional data to identify insurance plans suitable for the user. 【0601】 "Insurance products" refer to various insurance plans and contract details offered by insurance companies, and include types such as life insurance, medical insurance, and property insurance. 【0602】 A "generative model" refers to an algorithm or computer system that utilizes natural language processing technology to interact with users and present information, and has the function of generating appropriate responses to user questions. 【0603】 A "prompt" in a generative model refers to instructions or guidelines used to optimize natural language dialogue, and is used to guide appropriate responses and explanations. 【0604】 "Life events" refer to significant events in a user's life, including marriage, childbirth, and changing jobs. 【0605】 "Natural language" refers to the linguistic expressions that humans use on a daily basis, and it is the format necessary for computers to communicate smoothly with humans. 【0606】 To implement the invention in this system, a user terminal, a server, an emotion engine, and a generative model are required. 【0607】 Users access an insurance selection interface via a terminal and input personal and lifestyle information. During this process, the terminal uses built-in sensors to record the user's facial expressions and voice in real time, collecting emotional data. This data is sent to an emotion engine, which analyzes the user's emotional state, such as joy or anxiety. The emotion engine utilizes facial expression analysis software and voice tone recognition tools to analyze the data. 【0608】 The server analyzes emotional data received from the emotion engine and information entered by the user. This analysis takes into account the user's emotional state and identifies the most suitable insurance plan. It also uses emotional data to adjust the nuances of the explanations and suggestions for insurance plans. For example, if the user expresses anxiety, the server will prioritize selecting insurance plans that can alleviate that anxiety. 【0609】 The server uses a generative model to present the selected insurance plan to the user's terminal in natural language. To do this, the generative model generates explanatory text and dialogue based on pre-prepared prompts. For example, a possible prompt might be, "Generate and display a concise explanation that provides reassurance when the user is feeling anxious." When the user asks a question, the generative model, following the prompt, creates a reassuring answer to the question and presents it to the user. 【0610】 Furthermore, when a user reports a life event (e.g., marriage or childbirth), the terminal collects the emotional changes associated with that event, analyzes them using an emotion engine, and sends the information to the server. Based on this information, the server re-evaluates future insurance plans and prepares new proposals. In this way, the configuration of the present invention enables flexible insurance selection that responds to the user's emotional state and life events. 【0611】 The flow of the specific processing in Example 2 will be explained using Figure 13. 【0612】 Step 1: 【0613】 The user uses a device to access an interface for selecting insurance and enters personal and lifestyle information. The entered information is stored in the user's basic database. During this process, the device records the user's facial expressions and voice through its built-in sensors and stores this as emotional data in the database. This emotional data includes labels such as "joy" and "anxiety" analyzed from facial expressions. 【0614】 Step 2: 【0615】 The terminal transfers the collected emotional data to the emotion engine. The emotion engine uses facial expression analysis software and voice analysis tools to analyze the emotional data in detail. From the input facial expression and voice data, it quantifies emotional states such as joy and anxiety and sends them to the server. This quantified data is used for the following processing as an analysis result. 【0616】 Step 3: 【0617】 The server uses the received sentiment data and user information to select the optimal insurance plan based on an algorithm. It analyzes the sentiment data and user information as input and presents insurance plans tailored to the user's risk tolerance and coverage needs. For example, if a user expresses anxiety about risk, the server recommends a risk-mitigating insurance plan. This result is then output as the appropriate insurance plan. 【0618】 Step 4: 【0619】 The server uses a generation AI model to generate a natural language description of the selected insurance plan and sends it to the user's terminal. The generation AI model generates the description based on the prompt, creating an easy-to-understand and refined description of the insurance plan as output. For example, using the prompt "Generate and display a reassuring explanation in a situation where the user feels anxious," the AI ​​model generates an explanation that emphasizes reassurance. 【0620】 Step 5: 【0621】 When a user reports a life event, the device uses an emotion engine to re-analyze the event information and emotional changes, and then transmits the data to the server. The server uses the new emotional data to re-evaluate the current insurance plan and makes updates or new suggestions as needed. For example, if a marriage report is received, a family plan will be suggested. As a result of this re-evaluation, the user is offered a new insurance plan. 【0622】 (Application Example 2) 【0623】 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." 【0624】 Traditional selection systems often fail to consider the user's emotional state, resulting in plans that do not align with the user's essential needs. This leads to users selecting inappropriate products, ultimately resulting in decreased customer satisfaction. Furthermore, the emotional stress and anxiety experienced by users are not adequately addressed. 【0625】 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. 【0626】 In this invention, the server includes means for recognizing the user's emotions, means for adjusting the plan based on the recognized emotions, and means for a generative model that performs question-answering in natural language. This makes it possible to propose an optimal plan that takes the user's emotions into account, thereby improving the user experience and customer satisfaction. 【0627】 "User information" refers to personal data and profile information about the system's users, including name, age, address, and past transaction history. 【0628】 "Means of acquisition" refers to functions and devices for collecting information and inputting it into a system, such as sensors and input forms. 【0629】 "Means of analysis" refers to the functions and processes used to process acquired information and derive meaningful insights. 【0630】 "Means of comparison" refers to the process of evaluating multiple options and selecting the best one from among them. 【0631】 "Means of presentation" refers to functions for displaying or communicating analysis results and selected information to users. 【0632】 "Means of recognizing emotions" refers to technological functions that identify and understand a user's emotional state from their facial expressions, voice, etc. 【0633】 "Means of adjustment" refers to functions for appropriately changing or modifying the content of information provided according to the situation and conditions. 【0634】 A "generative model" refers to a machine learning model that generates natural language responses or information based on input data. 【0635】 The system for realizing this invention includes a device for acquiring and analyzing user information, a device for comparing multiple options, a device for presenting offers suitable for the user, and a device for recognizing the user's emotions and adjusting the selected offers based on that information. 【0636】 The device first uses its camera and microphone to capture the user's facial expressions and voice. For this purpose, it uses the smartphone's built-in camera and microphone, or other hardware such as a webcam. The facial and voice data is analyzed in real time by an emotion recognition engine to identify the user's emotional state. This analysis utilizes speech recognition technologies such as OpenCV and the Google Cloud Speech-to-Text API, using Python. 【0637】 The server receives information sent from the terminal and analyzes it in combination with user history data and sentiment data stored in the database. A database management system such as MySQL is used for this process. Based on the analysis results, an optimized offer is generated and presented to the user. In this process, a finely tuned explanation is generated using OpenAI's GPT natural language generation model. 【0638】 For example, if a user expresses anxiety when making an electronic payment, the system can analyze their emotions and provide options with high point reward rates or reassuring campaign information. This allows the user to proceed with the transaction with confidence. 【0639】 An example of a prompt using a generative AI model is: "Explain what kind of emotional data would be useful for offering special promotions to a user who is using emotional pay while shopping." In this way, the system can effectively utilize emotional data to provide the most relevant suggestions to the user. 【0640】 The flow of a specific process in Application Example 2 will be explained using Figure 14. 【0641】 Step 1: 【0642】 The device uses a camera and microphone to capture the user's facial expressions and voice. The input consists of real-time video and audio data. This data is then transmitted to an emotion recognition engine based on sensor technology. Specifically, it collects data using the smartphone's built-in sensors and converts it into digital signals. 【0643】 Step 2: 【0644】 The device analyzes acquired facial and audio data using an emotion recognition engine. Facial data is analyzed using OpenCV, and audio data is processed using the Google Cloud Speech-to-Text API. The input is the digital data to be analyzed, and the output is metadata indicating the identified user's emotional state. Specifically, this analysis evaluates emotional nuances, such as whether the user is feeling at ease or stressed, as digital data. 【0645】 Step 3: 【0646】 The server receives sentiment data sent from the terminal and analyzes it in combination with historical data in the database. The input data consists of sentiment metadata and historical consumption history data. The output is a list of suggestions with priorities adjusted based on sentiment and historical data. During this process, MySQL is used to quickly search historical data and retrieve suggestions that reflect sentiment trends. 【0647】 Step 4: 【0648】 The server generates optimized offers in natural language using a generative AI model based on the analysis results. The input is a list of suggestions and their priorities, and the output is an explanatory text to present to the user. Specifically, it uses OpenAI's GPT to generate suggestions that are sensitive to the user's emotions and creates documents in a natural conversational format. This generation process involves leveraging sentiment data to incorporate the necessary sense of security into the suggestions. 【0649】 Step 5: 【0650】 The system presents the user with generated offers and prompts them to make a selection or confirmation. The input is a generated natural language suggestion, and the output is an asynchronous response or selection option from the user. Specifically, it displays information to the user via a smartphone display and provides interactive choices. The user's selection acts as a trigger for the next action within the system. 【0651】 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. 【0652】 Data generation model 58 is a type of so-called generative AI (Artificial Intelligence). One example of data generation model 58 is ChatGPT (Internet search<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search) <url: https: gemini.google.com ?hl="ja">Examples of generative AI include the following. The data generation model 58 is obtained by performing deep learning on a neural network. The data generation model 58 is input with prompts containing instructions, and with inference data such as audio data representing speech, text data representing text, and image data representing images. The data generation model 58 infers from the input inference data according to the instructions indicated by the prompts, and outputs the inference results in data formats such as audio data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization. 【0653】 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. 【0654】 [Fourth Embodiment] 【0655】 Figure 7 shows an example of the configuration of the data processing system 410 according to the fourth embodiment. 【0656】 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. 【0657】 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). 【0658】 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. 【0659】 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. 【0660】 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). 【0661】 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. 【0662】 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. 【0663】 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. 【0664】 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. 【0665】 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. 【0666】 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. 【0667】 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". 【0668】 The system according to this invention efficiently collects and analyzes information necessary for users to select an insurance plan, and assists them in making the optimal choice. This system includes a user terminal, a server, and a generative model. 【0669】 Data collection 【0670】 By accessing the terminal, users are provided with an interface that allows for easy input of user information. Users input information necessary for selecting insurance, such as age, gender, health status (e.g., regular exercise, medical history), income, and family structure. 【0671】 Analysis and comparison 【0672】 The entered user information is sent to the server, and the process begins. On the server, an analysis device generates a user risk profile using a specific algorithm based on the collected information. This analysis derives the features and conditions of insurance that are suitable for the user. 【0673】 Next, the server retrieves the latest insurance plan information from databases of multiple insurance companies and compares it with the analyzed risk profile. This identifies the most appropriate insurance plan, taking into account factors such as premiums, coverage, and contract terms. 【0674】 Presentation and Response 【0675】 The terminal displays analysis results and recommended plans sent from the server. Using a generative model, a function is enabled to translate technical terms into simple language and, where necessary, provide natural language responses to questions, making the presented content easy for the user to understand. 【0676】 For example, if a user asks, "What coverage is included in this plan?", the device will return information via a generative model such as, "This plan fully covers hospitalization and surgery costs, and also subsidizes transportation costs for outpatient visits." 【0677】 Responding to life events 【0678】 When users experience life events such as marriage, childbirth, or changing jobs, they can update this information through an interface on their device. The server re-analyzes the newly provided information and presents a plan that is optimal for the user's new situation. 【0679】 This system allows users to seamlessly choose the optimal insurance plan tailored to their current life stage. 【0680】 The following describes the processing flow. 【0681】 Step 1: 【0682】 The user accesses the terminal and starts the insurance plan selection system. The terminal displays a form for entering user information. 【0683】 Step 2: 【0684】 The user enters necessary information such as their age, gender, health status, income, and family structure into a form on their device and clicks the submit button. 【0685】 Step 3: 【0686】 The terminal sends user input data to the server. The transmitted data is sent via a secure protocol. 【0687】 Step 4: 【0688】 The server passes the received data to the analysis device, which then creates a user risk profile based on that information. An adaptive algorithm is used here to clarify the user's needs. 【0689】 Step 5: 【0690】 The server retrieves the latest insurance plan information from multiple insurance companies. This retrieval is done either by accessing existing insurance databases or through APIs provided by insurance companies. 【0691】 Step 6: 【0692】 The server uses a comparison device to compare the analyzed risk profile with the acquired insurance information in detail. The information compared includes rates, conditions, and coverage details. 【0693】 Step 7: 【0694】 The server selects the most suitable insurance plan and sends it to the terminal, which then presents that plan to the user. 【0695】 Step 8: 【0696】 Users can view the details of the insurance plan presented through their device. If they have any questions, they can enter them directly into the device. 【0697】 Step 9: 【0698】 The device utilizes a generative model in response to user inquiries and provides natural language answers based on data received from the server. 【0699】 Step 10: 【0700】 When a user enters information about life events (e.g., marriage or childbirth) into their device, that information is sent to the server, which then performs a re-analysis. 【0701】 Step 11: 【0702】 The server completes the process by re-selecting the optimal insurance plan based on the user's new circumstances and presenting it to the terminal. 【0703】 (Example 1) 【0704】 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". 【0705】 Modern consumers face an increasing number of insurance products and complex choices, making it difficult to select the optimal insurance plan that meets their individual needs. Furthermore, there is a lack of flexible systems that allow for appropriate review of insurance coverage as life stages change. Additionally, the complex terminology and conditions of insurance policies are difficult to understand, highlighting the need for easily accessible information for consumers. 【0706】 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. 【0707】 In this invention, the server includes input means for acquiring user information, means for generating a risk profile using analysis means, and comparison means for comparing multiple insurance plans. This enables users to quickly and accurately select the insurance plan best suited to their needs. Furthermore, a function to re-evaluate insurance plans in response to changes in life stages allows the system to always provide users with the most suitable proposals. In addition, natural language responses using a generative model make it easier for users to understand specialized terminology and grasp the details of the insurance. 【0708】 "Input method" refers to the interface through which users provide the system with the information necessary for selecting insurance. 【0709】 "Analysis means" refers to a device or program for generating a risk profile based on acquired user information. 【0710】 "Comparison means" refers to a method or apparatus for matching analyzed risk profiles with insurance information to make the optimal insurance selection. 【0711】 "Display means" refers to screens or devices used to visually provide users with the most suitable insurance proposals. 【0712】 A "generative model" refers to a machine learning model used to answer questions entered through natural language processing. 【0713】 "Response means" refers to a system component that uses a generative model to generate natural language responses to user inquiries. 【0714】 An "information processing system" refers to an entire system equipped with a set of functions configured for acquiring, analyzing, comparing, and presenting user information. 【0715】 "Life stage changes" refer to significant changes in the user's living environment, such as marriage, childbirth, or changing jobs. 【0716】 "Communication means" refers to the protocols and devices used to securely transmit user information to a server. 【0717】 This system is designed to enhance user convenience and streamline the process of selecting the optimal insurance plan. The following describes the system's implementation in detail. 【0718】 Users access the system using a terminal and provide information such as age, gender, health status, income, and family structure through an input screen. The terminal collects this information, verifies the input format, and then sends it to the server. The transmitted data is encrypted through the communication method, ensuring the security of the information. 【0719】 The server executes analytical means to perform analysis based on the received user information. This analysis uses statistical models and machine learning algorithms to generate a user risk profile. This risk profile reflects the user's lifestyle and health status and provides criteria for selecting insurance. 【0720】 Once the analysis is complete, the server uses comparison tools to retrieve a large amount of insurance information and compare it with the generated risk profile. This process selects the most suitable insurance plan for the user and presents it to them through their terminal. 【0721】 Furthermore, the device utilizes a generative AI model to convert technical jargon into simpler language so that the user can easily understand the presented content, and provides natural language responses to questions as needed. For example, if a user asks, "What are the benefits of this insurance?", the device will respond, "This insurance is low-cost, yet it provides solid coverage for hospitalization and surgery costs." 【0722】 Furthermore, users can update their information via their device when life events (such as marriage or childbirth) occur, and the server re-analyzes the data based on the new information. This allows the system to re-present the insurance plan best suited to the user's new situation. 【0723】 As a concrete example, consider a user in their 30s who is considering a new policy and uses this system to prompt as follows: "I am a 30-year-old individual with an annual income of 5 million yen, and I would like to review my insurance due to marriage. Please suggest the best plan for me." In this case, the system will quickly provide the best advice based on updated information. 【0724】 The flow of the specific processing in Example 1 will be explained using Figure 11. 【0725】 Step 1: 【0726】 The user uses a terminal to access the system's dedicated interface and enter information such as age, gender, health status, income, and family structure. This process allows the terminal to structure the entered data, check for formatting compatibility, and prepare to send the data to the server. 【0727】 Step 2: 【0728】 The terminal sends the input information to the server. During this process, the data is encrypted using a communication method to ensure security during transmission. The input data is then appropriately formatted so that the server can accurately analyze it. 【0729】 Step 3: 【0730】 The server generates a risk profile from the received user information through analysis. In this process, statistical models and machine learning algorithms are applied to assess the risk level based on the user's health status and lifestyle. The resulting risk profile is used as a criterion for selecting insurance. 【0731】 Step 4: 【0732】 The server uses comparison tools to access numerous insurance information databases and retrieve the latest list of insurance products. This insurance information is compared with the generated risk profile to select the optimal insurance plan. In this process, factors such as cost, coverage, and contract terms are comprehensively considered. 【0733】 Step 5: 【0734】 The server selects the optimal insurance plan and then sends the data to the terminal. The terminal presents the received information to the user and uses a generative AI model to convert technical terms into simpler language. This makes it easier for the user to understand the insurance details presented. 【0735】 Step 6: 【0736】 When a user asks a question about the presented insurance plan, the device generates a natural language response to the question via a generative AI model. Through this process, the user can receive answers to questions such as "What are the benefits of this insurance?" such as "It covers hospitalization and surgery costs at a low cost." 【0737】 Step 7: 【0738】 When users experience life events such as marriage or childbirth, they update their information via their device. This updated information is sent to the server, which reassessss the risks based on the new information and presents the user with a more suitable insurance plan. This process is a crucial function for meeting users' evolving needs. 【0739】 (Application Example 1) 【0740】 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". 【0741】 When individual users choose the insurance plan that best suits their needs, it is difficult to make the right selection from a vast amount of information, and it is also time-consuming to quickly revise their plans in response to changes in life events. Furthermore, there is a lack of efficient systems for managing payment methods for the selected insurance plan, so there is a need to improve user convenience. 【0742】 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. 【0743】 In this invention, the server includes means for acquiring user information, means for analyzing the acquired user information, means for acquiring and comparing multiple insurance products, means for presenting the most suitable insurance plan to the user, electronic processing means for managing insurance plan payments, and means for detecting and notifying changes due to life events. As a result, users can efficiently select the most suitable insurance plan for themselves, respond quickly to changes in life events, and easily manage insurance premium payments. 【0744】 "Means of acquiring user information" refers to the means of collecting information from users, including age, gender, health status, income, and family structure, and incorporating it into the system. 【0745】 "Means for analyzing acquired user information" refers to methods for generating risk profiles using specific algorithms based on collected user information, and for proposing the most suitable insurance plan. 【0746】 "Methods for obtaining and comparing multiple insurance products" refers to methods for obtaining information on various insurance products from databases of multiple insurance companies and comparing them based on the user's risk profile. 【0747】 "Means of presenting the optimal insurance plan to the user" refers to means of presenting the insurance plan deemed optimal based on the analysis results through a user interface. 【0748】 "Electronic processing means for managing insurance plan payments" refers to a means for electronically managing the payment method for selected insurance plans and improving user convenience. 【0749】 "Means for detecting and notifying changes due to life events" refers to means for detecting changes in a user's life events and providing notifications to re-present an appropriate insurance plan based on the results. 【0750】 The system for implementing this invention consists of a series of processes that acquire and analyze user information and propose insurance plans. First, user information is collected using a user interface such as a smartphone as a terminal. This information includes age, gender, health status, income, family structure, etc. 【0751】 The server executes algorithms to analyze the collected user information. This analysis process uses a generative AI model to generate a user risk profile and determine the optimal insurance plan. The server retrieves insurance product information from databases of multiple insurance companies and compares it based on the user's risk profile. 【0752】 The analysis results are presented to the user via the device as the most suitable insurance plan. The presented information is simplified by a generative AI model, and natural language responses are provided to the user's questions. For example, in response to a question such as, "What coverage is included in this plan?", the device will reply, "This plan fully covers hospitalization and surgery costs, and also subsidizes transportation costs for outpatient visits." 【0753】 Furthermore, changes in life events (such as marriage or changing jobs) are detected by the device, and the new information is sent to the server. The server then re-analyzes this new information, resets the insurance plan to suit the new situation, and notifies the user. 【0754】 This system also includes electronic processing tools for managing insurance plan payments, allowing users to easily pay premiums via a terminal. This enables users to effectively select the insurance plan best suited to their needs and respond appropriately to life events. 【0755】 As a concrete example, when a user changes jobs and their income increases, the system will re-suggest an insurance plan best suited to their new income and efficiently support payment management. Examples of prompt messages include: "When choosing an insurance plan, we will compare options and suggest the best one. In particular, please tell me the best plan if XX (function or situation) changes." 【0756】 The flow of a specific process in Application Example 1 will be explained using Figure 12. 【0757】 Step 1: 【0758】 The terminal provides the user with an input interface and collects user information such as age, gender, health status, income, and family structure. This information is collected on the terminal through direct input by the user. 【0759】 Step 2: 【0760】 The terminal organizes the collected user information and sends it to the server as data packets. During this process, the data is processed to verify the integrity of the information and convert it into the required format. 【0761】 Step 3: 【0762】 The server generates a risk profile to analyze the received user information. In this process, a generating AI model is used to apply algorithms based on various data to perform a risk assessment appropriate for the user. 【0763】 Step 4: 【0764】 The server compares the analyzed risk profile with a database of insurance products obtained from multiple insurance companies. This comparison performs data calculations to identify the optimal insurance plan based on product characteristics and conditions. 【0765】 Step 5: 【0766】 The server sends the optimal insurance plan information to the terminal. During this process, technical terms are converted into simpler language by a generative AI model. The information is presented in a way that the user can easily understand. 【0767】 Step 6: 【0768】 The device presents the user with recommended insurance plans and uses a generative AI model to provide natural language responses to user questions. These responses clearly explain the specific coverage details and conditions. 【0769】 Step 7: 【0770】 When a user experiences a life event, the device detects this and sends a request to the server to update the information. Based on the new information, the server re-analyzes the risk profile and re-evaluates the appropriate plan. 【0771】 Step 8: 【0772】 The terminal displays information about the re-evaluated insurance plan to the user and provides instructions on how to manage the new plan via electronic payment. 【0773】 This series of processes allows users to select and manage the insurance plan that best suits their situation. 【0774】 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. 【0775】 This invention supports more personalized insurance selection by incorporating an emotion engine that recognizes user emotions into an insurance plan selection system. The system includes a user terminal, a server, an emotion engine, and a generative model. 【0776】 Data collection and emotion recognition 【0777】 When a user accesses the terminal and begins selecting insurance, the terminal provides a form for entering user information. While the user enters the necessary information, the terminal's built-in sensors record the user's facial expressions and voice, and send this information to the emotion engine. 【0778】 The emotion engine recognizes emotional states such as joy, anxiety, and excitement through analysis of the user's facial expressions and voice tone. This information is analyzed in real time and transmitted to the server. 【0779】 Analysis and plan presentation 【0780】 The server analyzes the user's lifestyle information and emotional data to identify the most suitable insurance plan for them. Emotional data is used to adjust the nuances of the proposed plan. For example, if the user expresses anxiety, the server prioritizes presenting insurance plans that mitigate risk. 【0781】 Optimizing Natural Language Dialogue 【0782】 Insurance plan information transmitted from the server is presented to the terminal in natural language form by a generative model. At this time, the dialogue is optimized to aid user understanding based on emotional information provided by the emotion engine. For example, if the user raises a question, reassuring explanations are added. 【0783】 The connection between life events and emotions 【0784】 When a user reports a life event to their device, the emotional engine also recognizes the associated emotional changes and sends them to the server. Based on this information, the server re-evaluates insurance plans and prepares new recommendations. For example, if a user is feeling anxious about an upcoming birth, the server will recommend a plan with comprehensive coverage related to children. 【0785】 This system aims to create more satisfying insurance contracts by enabling users to make choices that align with their own emotional state. 【0786】 The following describes the processing flow. 【0787】 Step 1: 【0788】 The user accesses the device and launches the application for selecting an insurance plan. The device displays a form for entering user information. 【0789】 Step 2: 【0790】 The user enters information such as their age, gender, health status, income, and family structure on the device. Meanwhile, the device transmits the user's facial expressions and voice to the emotion engine via the camera and microphone. 【0791】 Step 3: 【0792】 The device's emotion engine analyzes the user's facial expressions and voice data to identify the user's emotional state. This identified information is sent to the server in real time. 【0793】 Step 4: 【0794】 The server uses the received user information and sentiment data to activate an analysis device, which then selects an insurance plan based on the user's risk profile and emotions. 【0795】 Step 5: 【0796】 The server retrieves the latest insurance plan information from each insurance company and identifies a plan that matches the user's profile and emotions. Sentimental data is considered during this process to adjust for nuances. 【0797】 Step 6: 【0798】 The server transmits optimal insurance plan information to the terminal via a presentation device. The terminal uses a generative model to explain the plan details to the user in an intuitive manner. 【0799】 Step 7: 【0800】 Users can view insurance plan details through their device. If they have questions, they can enter them in natural language. A generative model adjusts the answers and provides explanations based on sentiment data. 【0801】 Step 8: 【0802】 When a user enters life event information into their device, the device sends this information to the server. The emotion engine also identifies any emotional changes that occur during this process and sends this information to the server as additional data. 【0803】 Step 9: 【0804】 The server re-analyzes the newly received information, selects an insurance plan more suitable for the life events, and presents it to the user's device. The user can then choose the optimal insurance plan based on the updated information. 【0805】 (Example 2) 【0806】 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". 【0807】 Traditional insurance selection systems have struggled to improve user satisfaction because they do not provide personalized recommendations that take into account the user's emotional state. Furthermore, they lack sufficient mechanisms to appropriately reflect changes due to life events in insurance plans, making it impossible to consistently present users with the most suitable insurance plan. 【0808】 The identification process performed by the identification processing unit 290 of the data processing device 12 in Example 2 is realized by the following means. 【0809】 In this invention, the server includes means for acquiring user information and emotional data, means for analyzing the acquired user information and emotional data, means for comparing insurance products based on the analysis results and adjusting the presented content based on emotions, and means for presenting the adjusted insurance plan in natural language using a generative model. This enables personalized insurance plan proposals that correspond to the user's emotional state, and further facilitates the re-evaluation and updating of insurance plans in response to life events. 【0810】 "User information" refers to the user's personal data and information about their lifestyle, including age, occupation, medical history, and desired coverage. 【0811】 "Emotional data" refers to information about the user's emotional state obtained from their facial expressions, voice, etc., and includes data that identifies emotions such as joy, anxiety, and excitement. 【0812】 "Means of analysis" refers to methods and processes for processing and analyzing acquired user information and emotional data to identify insurance plans suitable for the user. 【0813】 "Insurance products" refer to various insurance plans and contract details offered by insurance companies, and include types such as life insurance, medical insurance, and property insurance. 【0814】 A "generative model" refers to an algorithm or computer system that utilizes natural language processing technology to interact with users and present information, and has the function of generating appropriate responses to user questions. 【0815】 A "prompt" in a generative model refers to instructions or guidelines used to optimize natural language dialogue, and is used to guide appropriate responses and explanations. 【0816】 "Life events" refer to significant events in a user's life, including marriage, childbirth, and changing jobs. 【0817】 "Natural language" refers to the linguistic expressions that humans use on a daily basis, and it is the format necessary for computers to communicate smoothly with humans. 【0818】 To implement the invention in this system, a user terminal, a server, an emotion engine, and a generative model are required. 【0819】 Users access an insurance selection interface via a terminal and input personal and lifestyle information. During this process, the terminal uses built-in sensors to record the user's facial expressions and voice in real time, collecting emotional data. This data is sent to an emotion engine, which analyzes the user's emotional state, such as joy or anxiety. The emotion engine utilizes facial expression analysis software and voice tone recognition tools to analyze the data. 【0820】 The server analyzes emotional data received from the emotion engine and information entered by the user. This analysis takes into account the user's emotional state and identifies the most suitable insurance plan. It also uses emotional data to adjust the nuances of the explanations and suggestions for insurance plans. For example, if the user expresses anxiety, the server will prioritize selecting insurance plans that can alleviate that anxiety. 【0821】 The server uses a generative model to present the selected insurance plan to the user's terminal in natural language. To do this, the generative model generates explanatory text and dialogue based on pre-prepared prompts. For example, a possible prompt might be, "Generate and display a concise explanation that provides reassurance when the user is feeling anxious." When the user asks a question, the generative model, following the prompt, creates a reassuring answer to the question and presents it to the user. 【0822】 Furthermore, when a user reports a life event (e.g., marriage or childbirth), the terminal collects the emotional changes associated with that event, analyzes them using an emotion engine, and sends the information to the server. Based on this information, the server re-evaluates future insurance plans and prepares new proposals. In this way, the configuration of the present invention enables flexible insurance selection that responds to the user's emotional state and life events. 【0823】 The flow of the specific processing in Example 2 will be explained using Figure 13. 【0824】 Step 1: 【0825】 The user uses a device to access an interface for selecting insurance and enters personal and lifestyle information. The entered information is stored in the user's basic database. During this process, the device records the user's facial expressions and voice through its built-in sensors and stores this as emotional data in the database. This emotional data includes labels such as "joy" and "anxiety" analyzed from facial expressions. 【0826】 Step 2: 【0827】 The terminal transfers the collected emotional data to the emotion engine. The emotion engine uses facial expression analysis software and voice analysis tools to analyze the emotional data in detail. From the input facial expression and voice data, it quantifies emotional states such as joy and anxiety and sends them to the server. This quantified data is used for the following processing as an analysis result. 【0828】 Step 3: 【0829】 The server uses the received sentiment data and user information to select the optimal insurance plan based on an algorithm. It analyzes the sentiment data and user information as input and presents insurance plans tailored to the user's risk tolerance and coverage needs. For example, if a user expresses anxiety about risk, the server recommends a risk-mitigating insurance plan. This result is then output as the appropriate insurance plan. 【0830】 Step 4: 【0831】 The server uses a generation AI model to generate a natural language description of the selected insurance plan and sends it to the user's terminal. The generation AI model generates the description based on the prompt, creating an easy-to-understand and refined description of the insurance plan as output. For example, using the prompt "Generate and display a reassuring explanation in a situation where the user feels anxious," the AI ​​model generates an explanation that emphasizes reassurance. 【0832】 Step 5: 【0833】 When a user reports a life event, the device uses an emotion engine to re-analyze the event information and emotional changes, and then transmits the data to the server. The server uses the new emotional data to re-evaluate the current insurance plan and makes updates or new suggestions as needed. For example, if a marriage report is received, a family plan will be suggested. As a result of this re-evaluation, the user is offered a new insurance plan. 【0834】 (Application Example 2) 【0835】 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". 【0836】 Traditional selection systems often fail to consider the user's emotional state, resulting in plans that do not align with the user's essential needs. This leads to users selecting inappropriate products, ultimately resulting in decreased customer satisfaction. Furthermore, the emotional stress and anxiety experienced by users are not adequately addressed. 【0837】 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. 【0838】 In this invention, the server includes means for recognizing the user's emotions, means for adjusting the plan based on the recognized emotions, and means for a generative model that performs question-answering in natural language. This makes it possible to propose an optimal plan that takes the user's emotions into account, thereby improving the user experience and customer satisfaction. 【0839】 "User information" refers to personal data and profile information about the system's users, including name, age, address, and past transaction history. 【0840】 "Means of acquisition" refers to functions and devices for collecting information and inputting it into a system, such as sensors and input forms. 【0841】 "Means of analysis" refers to the functions and processes used to process acquired information and derive meaningful insights. 【0842】 "Means of comparison" refers to the process of evaluating multiple options and selecting the best one from among them. 【0843】 "Means of presentation" refers to functions for displaying or communicating analysis results and selected information to users. 【0844】 "Means of recognizing emotions" refers to technological functions that identify and understand a user's emotional state from their facial expressions, voice, etc. 【0845】 "Means of adjustment" refers to functions for appropriately changing or modifying the content of information provided according to the situation and conditions. 【0846】 A "generative model" refers to a machine learning model that generates natural language responses or information based on input data. 【0847】 The system for realizing this invention includes a device for acquiring and analyzing user information, a device for comparing multiple options, a device for presenting offers suitable for the user, and a device for recognizing the user's emotions and adjusting the selected offers based on that information. 【0848】 The device first uses its camera and microphone to capture the user's facial expressions and voice. For this purpose, it uses the smartphone's built-in camera and microphone, or other hardware such as a webcam. The facial and voice data is analyzed in real time by an emotion recognition engine to identify the user's emotional state. This analysis utilizes speech recognition technologies such as OpenCV and the Google Cloud Speech-to-Text API, using Python. 【0849】 The server receives information sent from the terminal and analyzes it in combination with user history data and sentiment data stored in the database. A database management system such as MySQL is used for this process. Based on the analysis results, an optimized offer is generated and presented to the user. In this process, a finely tuned explanation is generated using OpenAI's GPT natural language generation model. 【0850】 For example, if a user expresses anxiety when making an electronic payment, the system can analyze their emotions and provide options with high point reward rates or reassuring campaign information. This allows the user to proceed with the transaction with confidence. 【0851】 An example of a prompt using a generative AI model is: "Explain what kind of emotional data would be useful for offering special promotions to a user who is using emotional pay while shopping." In this way, the system can effectively utilize emotional data to provide the most relevant suggestions to the user. 【0852】 The flow of a specific process in Application Example 2 will be explained using Figure 14. 【0853】 Step 1: 【0854】 The device uses a camera and microphone to capture the user's facial expressions and voice. The input consists of real-time video and audio data. This data is then transmitted to an emotion recognition engine based on sensor technology. Specifically, it collects data using the smartphone's built-in sensors and converts it into digital signals. 【0855】 Step 2: 【0856】 The device analyzes acquired facial and audio data using an emotion recognition engine. Facial data is analyzed using OpenCV, and audio data is processed using the Google Cloud Speech-to-Text API. The input is the digital data to be analyzed, and the output is metadata indicating the identified user's emotional state. Specifically, this analysis evaluates emotional nuances, such as whether the user is feeling at ease or stressed, as digital data. 【0857】 Step 3: 【0858】 The server receives sentiment data sent from the terminal and analyzes it in combination with historical data in the database. The input data consists of sentiment metadata and historical consumption history data. The output is a list of suggestions with priorities adjusted based on sentiment and historical data. During this process, MySQL is used to quickly search historical data and retrieve suggestions that reflect sentiment trends. 【0859】 Step 4: 【0860】 The server generates optimized offers in natural language using a generative AI model based on the analysis results. The input is a list of suggestions and their priorities, and the output is an explanatory text to present to the user. Specifically, it uses OpenAI's GPT to generate suggestions that are sensitive to the user's emotions and creates documents in a natural conversational format. This generation process involves leveraging sentiment data to incorporate the necessary sense of security into the suggestions. 【0861】 Step 5: 【0862】 The system presents the user with generated offers and prompts them to make a selection or confirmation. The input is a generated natural language suggestion, and the output is an asynchronous response or selection option from the user. Specifically, it displays information to the user via a smartphone display and provides interactive choices. The user's selection acts as a trigger for the next action within the system. 【0863】 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. 【0864】 Data generation model 58 is a type of so-called generative AI (Artificial Intelligence). One example of data generation model 58 is ChatGPT (Internet search<URL: https: / / openai.com / blog / chatgpt> ), Gemini (Internet search) <url: https: gemini.google.com ?hl="ja">Examples of generative AI include the following. The data generation model 58 is obtained by performing deep learning on a neural network. The data generation model 58 is input with prompts containing instructions, and with inference data such as audio data representing speech, text data representing text, and image data representing images. The data generation model 58 infers from the input inference data according to the instructions indicated by the prompts, and outputs the inference results in data formats such as audio data and text data. Here, inference refers to, for example, analysis, classification, prediction, and / or summarization. 【0865】 In the above embodiment, an example was given in which the specific processing is performed by the data processing device 12, but the technology of this disclosure is not limited thereto, and the specific processing may also be performed by the robot 414. 【0866】 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. 【0867】 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. 【0868】 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. 【0869】 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. 【0870】 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. 【0871】 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." 【0872】 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. 【0873】 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. 【0874】 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. 【0875】 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. 【0876】 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. 【0877】 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. 【0878】 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. 【0879】 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. 【0880】 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. 【0881】 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. 【0882】 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. 【0883】 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. 【0884】 The following is further disclosed regarding the embodiments described above. 【0885】 (Claim 1) 【0886】 A device for acquiring user information, 【0887】 An analysis device that analyzes the acquired user information, 【0888】 A comparison device that acquires and compares multiple insurance products, 【0889】 A display device that presents the most suitable insurance plan to the user, 【0890】 A system that includes this. 【0891】 (Claim 2) 【0892】 The system according to claim 1, further comprising means for detecting life events and re-evaluating insurance plans. 【0893】 (Claim 3) 【0894】 The system according to claim 1, comprising a generative model that performs question answering in natural language. 【0895】 "Example 1" 【0896】 (Claim 1) 【0897】 An input method for obtaining user information, 【0898】 An analysis means for analyzing acquired user information and generating a risk profile, 【0899】 A comparison method for obtaining and analyzing multiple insurance information sources and comparing them with the resulting profile, 【0900】 A display method for presenting the most suitable insurance proposal to the user, 【0901】 A response means comprising a generative model that generates responses to questions in natural language, 【0902】 An information processing system that includes this. 【0903】 (Claim 2) 【0904】 The information processing system according to claim 1, further comprising means for detecting changes in life stages and re-evaluating insurance proposals. 【0905】 (Claim 3) 【0906】 The information processing system according to claim 1, comprising communication means for encrypting and securely transmitting user information. 【0907】 "Application Example 1" 【0908】 (Claim 1) 【0909】 Means of obtaining user information, 【0910】 A means of analyzing acquired user information, 【0911】 Methods for obtaining and comparing multiple insurance products, 【0912】 A means of presenting the most suitable insurance plan to the user, 【0913】 An electronic processing system for managing insurance plan payments, 【0914】 A means of detecting and notifying changes caused by life events, 【0915】 A system that includes this. 【0916】 (Claim 2) 【0917】 The system according to claim 1, further comprising means for detecting life events and re-evaluating insurance plans. 【0918】 (Claim 3) 【0919】 The system according to claim 1, comprising a generation module that performs question answering in natural language. 【0920】 "Example 2 of combining an emotion engine" 【0921】 (Claim 1) 【0922】 Means for acquiring user information and sentiment data, 【0923】 A means of analyzing acquired user information and sentiment data, 【0924】 A means of comparing insurance products based on analysis results and adjusting the presented content based on emotions, 【0925】 A method for presenting adjusted insurance plans in natural language using generative models, 【0926】 A system that includes this. 【0927】 (Claim 2) 【0928】 The system according to claim 1, further comprising means for detecting life events and re-evaluating insurance plans together with emotional data. 【0929】 (Claim 3) 【0930】 The system according to claim 1, comprising means for generating prompt sentences for a generative AI model and optimizing natural language dialogue with the user. 【0931】 "Application example 2 when combining with an emotional engine" 【0932】 (Claim 1) 【0933】 Means of obtaining user information, 【0934】 A means of analyzing acquired user information, 【0935】 Methods for obtaining and comparing multiple products, 【0936】 A means of presenting the most suitable plan to the user, 【0937】 Means for recognizing the user's emotions, 【0938】 A means of adjusting the plan based on recognized emotions, 【0939】 A system that includes this. 【0940】 (Claim 2) 【0941】 The system according to claim 1, further comprising means for detecting life events and re-evaluating the plan. 【0942】 (Claim 3) 【0943】 The system according to claim 1, comprising a generative model that performs question answering in natural language. [Explanation of symbols] 【0944】 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

[Claim 1] A device for acquiring user information, An analysis device that analyzes the acquired user information, A comparison device that acquires and compares multiple insurance products, A display device that presents the most suitable insurance plan to the user, A system that includes this. [Claim 2] The system according to claim 1, further comprising means for detecting life events and re-evaluating insurance plans. [Claim 3] The system according to claim 1, comprising a generative model that performs question answering in natural language.

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