A holistic retirement planning and life support system supported by personalized dynamic ontology and knowledge graphs.

Abstract

This invention relates to a system (1) that enables holistic retirement planning and proactive life support to the user by leveraging a synergistic combination of dynamically generated personalized ontologies and evolving knowledge graphics of artificial intelligence.

Description

1 TARIFF PERSONALIZED DYNAMIC ONTOLOGY AND KNOWLEDGE GRAPH SUPPORT COMPREHENSIVE RETIREMENT PLANNING AND LIFE ASSISTANCE SYSTEM 5 Technical Area This invention enables dynamically generated personalized solutions thanks to artificial intelligence. from a synergistic combination of ontologies and evolving knowledge graphics By utilizing these resources, the user is provided with holistic retirement planning and proactive life support. It is related to a system that enables this. 10 Previous Technique The current retirement planning paradigm is shaped by increasing life expectancies and changing 15 Traditional approaches are insufficient in the face of demographic structures. primarily focusing on financial sufficiency; individual retirement systems (BES), corporate pension funds and financial advisory platforms generally It focuses on savings, investment strategies, and portfolio management. Artificial AI, in this field, provides financial analysis, personalized investment advice, and risk management. Although it is increasingly used in roles such as management, it is mostly financial. It remains within the framework of optimization. Retirement income stream planning or focusing on specific financial problems such as the liquidity of retirement assets Solutions are also available. Some systems are planned according to sponsor requirements. It aims to manage it. 25 On the other hand, career development platforms (LinkedIn) and HR software, It focuses on managing individuals' professional skills and career paths, however 2 They do not encompass holistic planning for post-retirement life. Personal digital Although assistants (e.g., Siri, Google Assistant) help with everyday tasks suitable for the long-term, complex and personally intricate nature of retirement They are far from offering strategic planning and proactive support. In the field of semantic technologies, ontologies for specific domains (e.g., personalized health ontologies, disease-specific ontologies) and knowledge graphs There are studies on creation techniques for ontology-based models. Potential benefits in retirement management or financial decision-making processes It is discussed in academic literature. AI is being considered in 10 different fields such as career, health, and finance. The potential for comprehensive retirement planning, encompassing various dimensions, has also been explored. However, the following critical shortcomings are apparent in the current state of the technology: 1. Lack of a Holistic Approach and In-depth Personalization: Current 15 Solutions often focus in isolation on areas such as finance, career, or health. An individual's abilities, values, hidden / open passions, social environment, physical / mental health and financial situation together and dynamically by modeling and basing their designs on these, a deeply personalized retirement life There are no systems in place to create a vision and plan. 20 2. Lack of Dynamic and Learner Profiling: Individuals change over time. Existing systems typically use static or infrequently updated profiles. Many from various sources (smart devices, financial behavior, communication metadata, By processing a continuous stream of data (user interactions, etc.), it analyzes the evolving state of the individual. 25 dynamic, learning individuals reflecting their evolving interests and emerging potential. mechanisms that create a profile (especially personalized automated ontology learning) (and through infographic construction) is not common. 3. Weakness in Focus on Passion, Meaning, and Well-being: Retirement planning is often... It is reduced to financial goals. The individual's personal satisfaction, search for meaning, and social... 3 centered on commitment and overall well-being, allowing them to explore their passions and in retirement. The systems that actively help to put these into practice are lacking. 4. Lack of Proactive, Integrated, and Empathetic Assistance: Current assistants It is generally reactive. Achieving retirement goals (especially non-financial ones). Offering context-sensitive, proactive suggestions (smart nudging) for different lifestyles. follow the steps in these areas (health, learning, social activity) in an integrated manner life assistance services that can communicate empathetically with the user. It is not available. 5. Lack of Holistic Services within a Reliable Institutional Framework: Finance institutions (banks, pension funds), generally offer financial products and services. This remains limited. It is built upon the reliability and existing infrastructure of these institutions. seamlessly integrated with financial services, but going far beyond that. There are no platforms that offer holistic life planning and support. Under the known state of the art, smart device / wearable data can be processed with the user's explicit consent. (health, activity), professional / educational data (skills), communication metadata, much broader than just direct user input (values, interests, goals) Continuous integration of heterogeneous data sources, for each user Personalized tools created and continuously updated using automated ontology learning techniques. the creation of a unique dynamic ontology and an evolving knowledge graph based on it, word 20 the subject is the complex relationships between semantic structure and user data (a the relationship between skill and passion, the impact of a health trend on a goal) The possibility of in-depth personalization and semantic inference through modeling. the presentation of the user's hidden interests with an AI-powered engine and exploring potential passions, analyzing health / wellbeing trends, 25 Identifying behavioral tendencies and developing financial strategies based on them. Beyond security, personalized life plans focused on meaning, purpose, and well-being. And no solutions have been found that would enable the development of such scenarios. 4 United States Regulation US2020118213, which is included in the known state of the art. The patent document mentions consumption-based retirement planning. The invention in question aims to determine the cost of funding for an individual's acceptable retirement. A method for electronically calculating is described. The method uses the individual's current information. or obtaining data on the planned spending level, and based on this data 5 calculating the required annual income amount for an individual's retirement the collection of portfolio data regarding savings, the individual's life at different ages income insurance products that can be purchased to provide a regular income throughout life This involves obtaining cost information. The method also calculates a hypothetical return. According to the ratio, the estimated future value of an individual's retirement savings varies by age, 10 graphical representation according to this, as well as income insurance products. the costs should also be plotted according to age groups, and finally, these two graphical data points... It includes presenting them visually together. Brief Description of the Invention 15 The purpose of this invention is to collect smart device / wearable data (health, activity), professional / educational data (skills), communication metadata, direct much broader and more heterogeneous user inputs (values, interests, goals) Continuous integration of data sources, automatic 20 for each user Personalized solutions created using ontology learning techniques and continuously updated. the creation of a dynamic ontology and an evolving knowledge graph based on it, the subject is the complex relationships between semantic structure and user data (a the relationship between skill and passion, the impact of a health trend on a goal) modeling allows for in-depth personalization and semantic inference. 25 the presentation of the user's hidden interests with an AI-powered engine and exploring potential passions, analyzing health / wellbeing trends, Identifying behavioral tendencies and developing financial strategies based on them. Beyond security, personalized life plans focused on meaning, purpose, and well-being. and enables the development of personalized dynamic ontologies and information 30 A comprehensive retirement planning and life assistance system supported by graphs. It is carrying out. Detailed Description of the Invention 5 The "Personalized Dynamic Ontology" was developed to achieve the purpose of this invention. And a Holistic Retirement Planning and Life Assistance Program Supported by Infographics. The "system" is shown in the diagram; Figure 1: The subject of the invention is a holistic system supported by a personalized dynamic ontology and knowledge graph. This is a schematic view of a retirement planning and life assistance system. The parts shown in the figure are individually numbered, and the corresponding numbers correspond to these numbers. given below. 15 1. System 2. Electronic device 3. Personalized control panel application 4. Database 20 5. Server dynamically generated personalized ontologies of artificial intelligence and By leveraging a synergistic combination of evolving infographics, the user is presented with... enabling holistic retirement planning and proactive life support, 25 The subject of the invention is a holistic approach supported by a personalized dynamic ontology and knowledge graph. retirement planning and life assistance system (1); - The hardware and input units located on it allow the user to communicate with other people. to enable the user to establish and utilize education, health, finance, communication and social services. 6 to enable running multiple services / platforms in media areas at least one electronic device (2) -electronic device (2) running on which at least one smart assistant, notification management, which includes interfaces in the form of a data control center, 5. Providing answers to users based on the audio and written questions they enter. at least a personalized control panel configured to provide application (3) - connects with applications running on electronic devices (2), thereby Account transactions belonging to the user, financial transactions in the form of credit card expenditures. data belonging to the user, such as CV uploads, online courses, and certificate-based training. data, user's health data, location information, data permitted by the user email information, sender, recipient, subject line information, calendar events information, user's social media data is stored in a cloud-based and encrypted manner. at least one database (4) configured to store it within it and - with electronic device (2), personalized control panel application (3) and 15 communicating with the database (4), stored in the database (4) and belonging to the user Data cleaning, normalization, format conversion, missing data on existing data. management, preprocessing and quality operations in the form of data accuracy to ensure its implementation, stored in the database (3) and belonging to the user Federative learning and / or secure multilateral computation (SMPC) on data 20 by enabling the use of techniques such as these on user data to enable anonymization and pseudonymization, at least on top of that A personalized dynamic ontology and knowledge graph engine for meaning-making and prediction. engine, holistic profile synthesis and dynamic life planning module, proactive suggestion and intelligent routing engine, banking / pension fund integration module 25 to run, manage the personalized control panel application (3) to provide the user with the automatic ontology learning module located on it. use of the data stored in the database (4), so that each user from scratch or from a general super-ontology (e.g., Schema.org, FOAF extended) starting with, texts, structured data, behavioral data from the database (4) 30 7 "Software Development Skill" is automatically determined from the integrated data in this form. "Interest in Hiking" and "Level of Financial Risk Tolerance" to enable the identification of concepts and the relationships between these concepts, electronic device (2) belongs to the user and in light of learned ontological data initiating infographic construction and enrichment processes, thereby 5 modeling the user's concrete data as drops and edges, the relationship Discovering implicit connections between data using inference algorithms, Semantic similarity measures are used to identify the related concepts. and the linking of entities, thereby creating an information graph with continuous data. to enable its dynamic growth and evolution through its flow, user-owned 10 various machine learning and deep learning models on the information graph By running it, the user's interest discovery, talent analysis, health trends, enabling the identification of financial behavior, generative artificial intelligence on it Thanks to model-based solutions, complex analysis results are made understandable to the user. transforming them into actionable insights, “We realized that both nature 15 You are interested in hiking and also spend money on photography equipment. you are doing. In retirement, you will combine these two passions with nature photography. You can consider this project." Ensuring the production of information such as this, on which it is based Skills, passions, and values ​​transmitted from all analysis modules and engines, a holistic profile synthesis of outcomes such as health, finance, behaviors, and goals and 20 by enabling it to be analyzed by the dynamic life planning module. a holistic, continuously updated, multi-dimensional profile of the user should not be created, interactions between different dimensions (e.g., stress level) to ensure that (the impact on financial decisions) is taken into account, then determined Based on the objectives and synthesized profile, holistic profile synthesis and dynamic 25 Personalized, adaptable retirement life by the life planning module the creation of scenarios and each scenario having a concrete timeline to ensure that it includes established action steps, planned suggestions regarding the user, ideas and responses on the electronic device (2) personalized control panel 8 At least one server configured to ensure that the transmission is made to the application (3) (5) includes. The equipment located on the electronic device (1) in the system that is the subject of the invention (2) 5 to enable the user to run the control panel application (3) smart devices in the form of configured mobile phones, tablets, computers, and wearable devices It is a device. Electronic device (2) at least in the form of virtual reality glasses, wearable device. connecting with electronic equipment, that electronic equipment through which the user's step count, sleep analysis, heart rate, and exercise data are monitored. 10 to ensure that the records and location patterns are transmitted to the database (4) It is being structured. The database in the system of the invention (1) is connected to (4) electronic devices (2). by establishing the user's investment portfolios, credit reports; Pension Fund / Private Pension System financial information in the form of data, online course skills, experiences in the form of 15 training data, data transmitted from wearable equipment, user-submitted surveys, Goal-setting tools, values, interests, feedback, search queries, (3) assistant in the user’s personalized control panel application dialogues, social media from platforms permitted by the user. Scalable data lake (Data Lake) 20 based on information in the form of connection data. and / or for storage in the form of a data warehouse infrastructure It is being structured. ISO 8000 in processing user data stored in the server (5) database (4). Data quality frameworks based on standards such as [list of standards] to ensure its accuracy, integrity and consistency is structured. Server (5) granular, dynamic and transparent user permission management platform (Consent Management Platform) GDPR, CCPA It is structured to operate in full compliance with regulations. 9 On the custom dynamic ontology and knowledge graph engine on the server (5) Thanks to automated ontology learning, the user's life changes as... to ensure dynamic updating and expansion, as an ontology language to ensure that the W3C standard adopts OWL (Web Ontology Language) It is being structured. 5 On the custom dynamic ontology and knowledge graph engine on the server (5) the infographic obtained using the infographic construction and enrichment techniques found When creating an information graph, optimize the graph for storage and querying. using databases (Neo4j, Amazon Neptune, TigerGraph) and 10 Enabling complex queries to be executed using query languages ​​like SPARQL. It is structured accordingly. With the semantic and predictive engine on the server (5) in the database (4) By processing stored user data with various machine learning models, 15 user behavior (spending, app usage, content consumption), social Interactions (with permission) and user-declared information through K-Means, DBSCAN, etc. clustering algorithms or graph-based clustering with the user's latent interest to enable the identification of their areas of interest and potential passions It is being structured. 20 With the semantic and predictive engine on the server (5) in the database (4) by processing stored user data with various machine learning models, professional data, educational records and user statements of the relevant user Performing skill extraction and leveling and identifying the user's missing 25 It is structured to enable the identification of their skills. With the semantic and predictive engine on the server (5) in the database (4) by processing stored user data with various machine learning models, 30 data on wearable equipment (2) in electronic devices such as LSTM, ARIMA Time series analysis models can be used to analyze a user's sleep quality, stress level, and activity level. Identifying health data in the form of level trends and anomalies It is structured to provide this. With the semantic and predictive engine on the server (5) in the database (4) 5 by processing stored user data with various machine learning models, spending pattern analysis, budgeting habits, and risk profiling processes the implementation of Monte Carlo simulations aimed at the user's retirement savings goals Enabling projections to be made using simulations or regression models. It is structured accordingly. 10 With the semantic and predictive engine on the server (5) in the database (4) by processing stored user data with various machine learning models, potential cognitive biases of the user (e.g., loss avoidance, overconfidence) analyses aimed at detection (with user consent) and 15 accordingly It is structured to facilitate the development of communication / suggestion strategies. With the semantic and predictive engine on the server (5) in the database (4) The topic is modeling by processing stored user data using NLP techniques. (e.g., LDA), Entity Name Recognition (NER), Sentiment Analysis, etc. 20 Techniques used to gather user feedback, survey responses, and (with permission) communication metadata. or key themes, skills, and interests of the relevant user from profile summaries. to enable the extraction of data in the form of areas and moods It is being structured. With the semantic and predictive engine on the server (5) in the database (4) by processing stored user data with generative artificial intelligence models, The smart assistant in the personalized control panel application (3) interacts with the user to enable them to communicate in a more natural, supportive and motivating language, 11 Detailing potential retirement scenarios that match the user's profile and It is structured to enable visualization processes. With the semantic and predictive engine on the server (5) in the database (4) The stored user data is analyzed using various explainable artificial intelligence algorithms. 5 through processing, important analyses performed by AI (such as passion detection) or Reasons for critical recommendations (a financial adjustment) presented to the user transparent personalized control panel application to the user (3) to ensure that it is explained through this channel, thereby increasing user trust. It is structured accordingly. 10 Holistic profile synthesis and dynamic life planning module on Server (5) by enabling the analysis of user data stored in the database (4) the user can achieve not only financial but also personal development through interactive tools. (learning new skills), health (being more active), social (volunteering), hobby / passion 15 setting meaning-oriented goals such as (opening a workshop) and to ensure prioritization, thereby identifying potential candidates based on profile analysis. to inspire the user by suggesting goals It is being structured. Holistic profile synthesis and dynamic life planning module on Server (5) By enabling the analysis of user data stored in the database (4), By creating a "digital twin" based on the user's dynamic profile, different lives events (health problems, economic fluctuations, discovering a new passion) or 25 the potential impacts of different planning decisions on retirement scenarios enabling simulation, thus allowing for more robust and proactive planning. It is structured to enable this to happen. 12 With the proactive suggestion and intelligent routing engine on the server (5) in the database (4) the current status of the user by processing the stored user data (location, time, activity, progress toward goals, identified needs / opportunities) Taking this into consideration, ensuring that personalized and timely recommendations are provided. By utilizing principles of behavioral science, the user is guided towards their goals. 5 to ensure that polite guidance is provided that encourages access It is being structured. With the proactive suggestion and intelligent routing engine on the server (5) in the database (4) processing of stored user data, based on profile analysis 10 opportunities that arise (an activity that suits their interests, a semester that suits their skills) (time-based job posting) or risks (e.g., deviation from financial target, negative health trend) proactively provide the user with a personalized control panel application (3) notification via external resources (training) related to the user's goals (platforms, volunteer sites, hobby communities, health services) should be suggested. 15 It is structured to provide this. Personalized control panel application (3) has responsive design It works seamlessly with web and mobile interfaces, displaying the user's profile summary, objectives, plan progress, analysis insights (with XAI explanations), recommendations 20 and presenting notifications to the user with understandable graphics and text, user-oriented to work in accordance with accessibility standards such as design (UCD) and WCAG It is structured accordingly. With the empathetic smart assistant on the personalized control panel app (3) 25 Enhanced Natural Language Understanding (NLU) and Generation (NLG) skills, context following capable of voice (smart speakers, phones) and text (in-app chat) interaction. enabling the assistant to serve the user, answering user questions responding, providing information, updating plans, giving reminders, and being proactive 13 To enable GenAI to be empathetic and motivated, and to provide suggestions. It is structured to establish effective communication. Notification management on the personalized dashboard application (3) 5 timely and relevant updates that can be customized according to user preferences via the interface. enabling the creation of notifications (mobile push, email, SMS), data on it The control center interface allows you to see what user data is being collected and how. clearly stating that it has been processed and with whom it has been shared (e.g., financial advisor) To enable the user to view and manage, and to download and delete data. 10 to enable people to easily submit their ("right to be forgotten") requests It is being structured. Seamless banking / pension fund integration module on server (5) thanks to secure and standardized APIs (e.g., Open Banking standards, bidirectional data transfer with banking / pension fund services via (private APIs) 15 managing purchases, account transactions authorized by the user, and balance. Information such as credit / card details, pension fund status, etc., are automatically processed. It is currently configured to stream to the database (4). Seamless banking / pension fund integration module 20 on server (5) thanks to the user's holistic profile, risk tolerance and retirement plan suitable for their goals (e.g., funding for a passion project, savings account for travel), personalized financial products (loans, mutual funds, insurance, private accounts) suggested to the user by the personalized control panel application (3) or to ensure that it is presented as a recommendation to a financial advisor, the analyses and 25 These recommendations, if the user chooses, will enable financial advisors to be more effective. and to ensure it is used as a tool for providing holistic services It is being structured. 14 Industrial application of the invention In the system that is the subject of the invention, (1) the user electronic device (2) has a number of different running application / platform, user electronic device (2) education, health, 5 They can access financial and social media platforms. Also electronic devices (2) Virtual reality glasses are also connected to electronic equipment in the form of wearable devices. It collects user data such as social media data, education data, financial data, and health data. data is stored in the database (4). Also on the electronic device (2) The personalized control panel application (3) is running, the user virtual 10 It is possible to communicate with the assistant. The server (5) with the database (4) and personalized It connects with the control panel application (3). On the server (5) through various AI algorithm-supported modules in the database (4) It enables the analysis of registered user data, solely for the purpose of ensuring financial security. going beyond, post-retirement life, the user's defined passions, acquired 15 skills, evolving life goals and overall well-being critically aligned Highly personalized, adaptable retirement plans focused on providing It enables the creation of plans. By the server (5) to the user The proposed plans, reports, and infographics will be displayed on the user's electronic device. (2) is sent to the personalized control panel application (3). 20 The system (1) in question can process smart device / wearable data with the explicit consent of the user. (health, activity), professional / educational data (skills), communication metadata, much broader than just direct user input (values, interests, goals) Continuous integration of heterogeneous data sources, 25 for each user Personalized tools created and continuously updated using automated ontology learning techniques. The creation of a unique dynamic ontology and an evolving knowledge graph based on it, the subject is the complex relationships between semantic structure and user data (a the relationship between skill and passion, the impact of a health trend on a goal) modeling allows for in-depth personalization and semantic inference. 30 the presentation of the user's hidden interests with an AI-powered engine and exploring potential passions, analyzing health / wellbeing trends, Identifying behavioral tendencies and establishing financial security based on them. beyond that, personalized life plans focused on meaning, purpose, and well-being, and The development of scenarios is ensured. 5 The system in question (1) is within the scope of the Personal Data Protection Law (KVKK). It operates. The invention is a holistic system supported by a personalized dynamic ontology and knowledge graph. a wide variety of applications of retirement planning and life assistance systems (1) It is possible to develop further, and the invention cannot be limited to the examples described here. It is essentially as stated in the requests.

Claims

16 REQUESTS 1. Dynamically generated personalized ontologies of artificial intelligence and By leveraging a synergistic combination of evolving infographics, the user is presented with... 5 that enable holistic retirement planning and proactive life support. - The hardware and input units located on it allow the user to communicate with other people. to enable the user to establish and utilize education, health, finance, communication and social services. to enable running multiple services / platforms in media areas containing at least one electronic device (2) that is configured, -electronic device (2) running on which at least one smart assistant, 10 notification management, which includes interfaces in the form of a data control center, Responding to the user based on the audio and written questions they enter. at least a personalized control panel configured to provide application (3) - connects with applications running on electronic devices (2), thereby 15 Account transactions belonging to the user, financial transactions in the form of credit card expenditures. data belonging to the user, such as CV uploads, online courses, and training certificates. data, user's health data, location information, data permitted by the user email information, sender, recipient, subject line information, calendar events information, user's social media data is stored in a cloud-based and encrypted manner for 20 years. at least one database (4) configured to store it within it and - with an electronic device (2), with a personalized control panel application (3) and communicating with the database (4), stored in the database (4) and belonging to the user Data cleaning, normalization, format conversion, missing data on existing data. management, preprocessing and quality control processes such as data accuracy 25 to ensure its implementation, stored in the database (3) and belonging to the user Federative learning and / or secure multilateral computation (SMPC) on data by enabling the use of techniques such as these on user data to enable anonymization and pseudonymization, at least on top of that A personalized dynamic ontology and knowledge graph engine, for meaning-making and prediction 30 17 engine, holistic profile synthesis and dynamic life planning module, proactive suggestion and intelligent routing engine, banking / pension fund integration module to run, manage the personalized control panel application (3) to provide the user with the automatic ontology learning module located on it. use of the data stored in the database (4), so that each user has 5 from scratch or from a general super-ontology (e.g., Schema.org, FOAF extended) starting with texts, structured data, behavioral data from the database (4) "Software Development Skill" is automatically determined from the integrated data in this form. "Interest in Hiking" and "Level of Financial Risk Tolerance" to enable the identification of concepts and the relationships between these concepts, 10 electronic device (2) belongs to the user and in light of learned ontological data initiating the infographic construction and enrichment processes, thereby modeling the user's concrete data as drops and edges, the relationship Discovering implicit connections between data using inference algorithms, Using semantic similarity measures, 15 related concepts were analyzed. and the linking of entities, thereby creating an information graph with continuous data. to enable its dynamic growth and evolution through its flow, user-owned various machine learning and deep learning models on the information graph By running it, the user's interest discovery, talent analysis, health trends, enabling the identification of financial behavior, generative artificial intelligence 20 Thanks to model-based solutions, complex analysis results are made understandable to the user. transforming them into actionable insights, “We realized that both nature You are interested in hiking and also spend money on photography equipment. you are doing. In retirement, you will combine these two passions with nature photography. You can consider this project." Ensuring the production of information such as this, on the 25 Skills, passions, and values ​​transmitted from all analysis modules and engines, a holistic profile synthesis of outcomes such as health, finance, behaviors, and goals and by enabling it to be analyzed by the dynamic life planning module. a holistic, continuously updated, multi-dimensional profile of the user should not be created, interactions between different dimensions (e.g., stress level 30 18 to ensure that (the impact on financial decisions) is taken into account, then determined Based on objectives and the synthesized profile, holistic profile synthesis and dynamics. Personalized, adaptable retirement life by the life planning module the creation of scenarios and each scenario having a concrete timeline to ensure that it includes established action steps, planned suggestions regarding the user, 5 ideas and responses on the electronic device (2) personalized control panel At least one server configured to ensure that the transmission is made to the application (3) Personalized dynamic ontology and knowledge graph support characterized by (5). a holistic retirement planning and life assistance system (1).

2. With the hardware on it, the user can control the panel application (3) mobile phones, tablets, computers configured to enable it to run, electronic device (2) characterized by smart device in the form of wearable device Personalized dynamic ontology and knowledge graph support as in Claim 1. a holistic retirement planning and life assistance system (1). 15 3. At least with electronic equipment in the form of virtual reality glasses or wearable devices. establishing a connection, through the electronic equipment in question, the user's steps number, sleep analysis, heart rate, exercise records, location electronic 20 configured to enable the transmission of patterns to the database (4) Personal dynamic as in Claim 1 or 2 characterized by device (2). A holistic retirement planning and life model supported by ontology and infographics. assistantship system (1).

4. By connecting with the electronic device (2), the user's investment portfolios, credit 25 reports; financial information in the form of Pension Fund / Private Pension System data, online courses training data in the form of skills and experiences, transmitted through wearable equipment data includes user-submitted surveys, goal-setting tools, values, and interests. Feedback, search queries, user's personalized control panel. (3) assistant dialogues in the application, social media 30 allowed by the user 19 information in the form of social connection data from platforms scalable data lake and / or data warehouse characterized by a database structured to store data in the form of an infrastructure (4) Personalized dynamic ontology as in any of the above requests and a holistic retirement planning and life assistance system supported by infographics 5 (1).

5. ISO 8000 standards are used in processing user data stored in the database (4). Data quality frameworks based on standards 10 to ensure its accuracy, integrity and consistency any of the above requests characterized by the configured server (5) a holistic approach supported by a personalized dynamic ontology and knowledge graph, like in one of them. retirement planning and life assistance system (1).

6. Granular, dynamic and transparent user permission management platform (Consent 15 Management Platform is fully compliant with GDPR and CCPA regulations. The above is characterized by the server (5) which is configured to work in this way. Personalized dynamic ontology and knowledge graph, as in any of the requests. a supported holistic retirement planning and life assistance system (1).

7. Found in its personalized dynamic ontology and knowledge graph engine Thanks to automated ontology learning, it dynamically adapts as the user's life changes. to ensure its updating and expansion, the W3C standard as an ontology language owl (web ontology language) is configured to be preferred 25 as in any of the above requests characterized by the server (5). A holistic retirement plan supported by a personalized dynamic ontology and knowledge graph. Planning and life assistance system (1).

8. Information contained within the personalized dynamic ontology and knowledge graph engine. 30 graphic databases optimized for infographic storage and querying Using (Neo4j, Amazon Neptune, TigerGraph) and querying like SPARQL designed to enable complex queries to be made using languages as in any of the above requests characterized by the server (5) A holistic retirement plan supported by a personalized dynamic ontology and knowledge graph. 5 Planning and life assistance system (1).

9. Stored in the database (4) with its meaning-making and prediction engine By processing user data with various machine learning models, the user behaviors (spending, app usage, content consumption), social interactions 10 (With permission) and based on user declaration information, clustering systems like K-Means and DBSCAN. algorithms or graph-based clustering to identify the user's hidden interests and with the server (5) which is structured to enable the identification of potential passions as in any of the above characterized requests, personalized Holistic retirement planning and life support through dynamic ontology and infographics. 15 assistantship system (1).

10. Stored in the database (4) with its meaning-making and prediction engine by processing user data with various machine learning models, professional data, educational records and user statements of the relevant user 20 to perform skill extraction and leveling and to identify the user's shortcomings with the server (5) configured to enable the identification of skills as in any of the above characterized requests, personalized Holistic retirement planning and life supported by dynamic ontology and knowledge graphics. assistantship system (1). 25 11. Stored in the database (4) with its meaning-making and prediction engine By processing user data with various machine learning models, electronic Time on wearable equipment data (2) on the device such as LSTM, ARIMA With series analysis models, the user's sleep quality, stress level, and activity level are analyzed. 21 To enable the identification of health data in the form of trends and anomalies. from the above requests characterized by the server (5) configured for Personalized dynamic ontology and knowledge graph support, just like in any other. a holistic retirement planning and life assistance system (1).

12. Stored in the database (4) with its meaning-making and prediction engine By processing user data with various machine learning models, spending pattern analysis, budgeting habits, risk profiling processes the implementation of Monte Carlo simulations aimed at the user's retirement savings goals Enabling projections using simulations or regression models 10 from the above requests characterized by the server (5) configured for Personalized dynamic ontology and knowledge graph support, just like in any other. a holistic retirement planning and life assistance system (1).

13. With its meaning-making and predictive engine, 15 stored in the database (4) by processing user data with various machine learning models, potential cognitive biases of the user (e.g., loss avoidance, overconfidence) analyses aimed at detection (with user consent) and appropriate actions Server configured to enable communication / suggestion strategies to be made (5) 20 as per the personalized requirements of any of the above, characterized by Holistic retirement planning and life supported by dynamic ontology and knowledge graphics. assistantship system (1).

14. Stored in the database (4) with its meaning-making and prediction engine Subject modeling (e.g., LDA) by processing user data with NLP techniques, 25 Techniques such as Entity Name Recognition (NER) and Sentiment Analysis user feedback, survey responses, (with permission) contact metadata, or profile summaries of the relevant user's key themes, skills, interests, and emotions a server configured to enable the extraction of data in the form of statuses As in any of the above requests characterized by (5), the person is entitled to 30 22 A holistic retirement planning system supported by a custom dynamic ontology and knowledge graphs. life assistance system (1).

15. With its semantic and predictive engine, 5 stored in the database (4) By processing user data with generative artificial intelligence models, personalized (3) The smart assistant in the control panel application interacts more naturally with the user, to enable the user to communicate in a supportive and motivating language Detailing potential retirement scenarios that match your profile and Server configured to enable visualization processes (5) 10 personalized, as in any of the above requests characterized by Holistic retirement planning and life supported by dynamic ontology and knowledge graphics. assistantship system (1).

16. With its meaning-making and predictive engine, 15 stored in the database (4) by processing user data with various explainable artificial intelligence algorithms, Important analyses performed by AI (such as passion detection) or presented to the user The reasons for critical recommendations (a financial adjustment) should be transparent to the user. explained via the personalized control panel application (3), so that Server (5) configured to increase user confidence and 20 as in any of the above characterized requests, personalized Holistic retirement planning and life supported by dynamic ontology and knowledge graphics. assistantship system (1).

17. With its holistic profile synthesis and dynamic life planning module, 25 by enabling the analysis of user data stored in the database (4) the user can achieve not only financial but also personal development through interactive tools. (learning new skills), health (being more active), social (volunteering), hobby / passion setting meaning-oriented goals such as (opening a workshop) and to ensure prioritization, thereby identifying potential 30 based on profile analysis. 23 structured to inspire the user by suggesting goals as in any of the above requests characterized by the server (5) A holistic retirement plan supported by a personalized dynamic ontology and knowledge graph. Planning and life assistance system (1).

18. With its holistic profile synthesis and dynamic life planning module By enabling the analysis of user data stored in the database (4), By creating a "digital twin" based on the user's dynamic profile, different lives events (health problems, economic fluctuations, the discovery of a new passion) or 10 potential impacts of different planning decisions on retirement scenarios enabling simulation, thus allowing for more robust and proactive planning. characterized by the server (5) configured to enable the performance of Personalized dynamic ontology and knowledge, as in any of the above requests. A comprehensive retirement planning and life assistance system supported by a graph (1).

19. With its proactive suggestion and intelligent guidance engine, the database (4) processing of stored user data to determine the user's current status (location, time, activity, progress toward goals, identified needs / opportunities) Taking this into consideration, ensuring that personalized and timely recommendations are provided. By utilizing behavioral science principles, the user is guided towards their goals. to ensure that polite guidance is provided that encourages access any of the above requests characterized by the configured server (5) a holistic approach supported by a personalized dynamic ontology and knowledge graph, like in one of them. retirement planning and life assistance system (1).

20. With its proactive suggestion and intelligent guidance engine, it has a database (4) By processing the stored user data, profile analysis is performed. opportunities that arise (an activity that matches their interests, a part-time job that matches their skills) (job posting) or proactively anticipating risks (e.g., deviation from financial targets, negative health trends) as a personalized control panel application (3) to the user 30 24 notification of external resources (educational platforms, etc.) related to the user's goals (to ensure that volunteer sites, hobby communities, health services) are recommended. from the above requests characterized by the server (5) configured for Personalized dynamic ontology and knowledge graph support, just like in any other. a holistic retirement planning and life assistance system (1). 5 21. Compatible with web and mobile interfaces that have a responsive design. to work with, the user's profile summary, goals, plan progress, analysis insights (with XAI explanations), recommendations and notifications in clear graphics and presenting information to the user through text, user-centered design (UCD), and WCAG, among others. Server configured to operate in accordance with accessibility standards (5) personalized, as in any of the above requests characterized by Holistic retirement planning and life supported by dynamic ontology and knowledge graphics. assistantship system (1).

22. Natural Language Understanding (NLU) and Generation with an Empathetic Smart Assistant (NLG) capabilities are enhanced, context-following, and voice-activated (smart speakers, the assistant offers interaction to the user through both text (in-app chat) and written (phone) communication. to ensure it provides service, answering user questions, providing information, plans 20 capable of providing updates, reminders, and proactive suggestions to ensure this, to establish empathetic and motivating communication with GenAI. any of the above requests characterized by the configured server (5) a holistic approach supported by a personalized dynamic ontology and knowledge graph, like in one of them. retirement planning and life assistance system (1).

23. With its notification management interface, it can customize according to the user's preferences. Customizable, timely and relevant notifications (mobile push, email, SMS) to enable its creation, with the data control center interface on it. What user data is collected, how it is processed, and with whom (e.g. (financial advisor) to clearly see and manage that it is being shared 30 to provide and fulfill the user's requests for data download and deletion ("right to be forgotten"). Characterized by the server (5) configured to enable easy transmission. Personalized dynamic ontology as in any of the above requests and a holistic retirement planning and life assistance system supported by infographics. (1). 5 24. Thanks to its seamless banking / pension fund integration module. secure and standardized APIs (e.g., Open Banking standards, private APIs) through two-way data exchange with banking / pension fund services managing account transactions and balance information authorized by the user, 10 Data such as credit / card details and pension fund status are automatically and up-to-date. characterized by the server (5) configured to allow flow to the database (4). Personalized dynamic ontology as in any of the above requests and a holistic retirement planning and life assistance system supported by infographics. (1). 15 25. Thanks to its seamless banking / pension fund integration module. based on the user's overall profile, risk tolerance, and retirement plan goals (e.g., funding for a passion project, savings account for travel) is suitable. 20 personalized financial products (loans, mutual funds, insurance, private accounts) suggested to the user by the personalized control panel application (3) or to provide the analyses and recommendations to a financial advisor These recommendations, if the user chooses, will enable financial advisors to be more effective. and to ensure it is used as a tool for providing holistic services 25 of the above requests characterized by the configured server (5) a holistic approach supported by a personalized dynamic ontology and knowledge graph, like in one of them. retirement planning and life assistance system (1).

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