Emotion Detection Alert for Wealth Management Apps
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Solution Overview
Problem
Users engaging in online wealth management often make impulsive decisions due to emotional fluctuations, leading to economic losses, as existing technologies fail to effectively monitor and manage emotions during investment and wealth management actions.
Innovation Solution
An information alert method and apparatus that detect physiological characteristic parameters, such as heart rate, body temperature, or facial expressions, to determine if a user is within a normal emotional fluctuation condition, and if not, trigger a risk alert to prevent impulsive wealth management actions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If physiological characteristic parameters are monitored to detect abnormal emotions, then user emotional state can be identified, but device complexity increases
Solution Approach 1:
The system integrates multiple physiological parameter monitoring functions (heart rate, body temperature, blood pressure, palm humidity, brain waves, facial expressions) into a single unified emotion detection framework, allowing one system to serve multiple detection purposes and reducing overall complexity
Solution Approach 2:
The patent introduces an emotion analysis module that acts as an intermediary between raw physiological data and wealth management actions, processing and interpreting physiological signals to determine emotional states without requiring direct complex integration of all sensing components into the wealth management platform
2Reliability
If risk alerts are triggered based on abnormal emotions, then impulsive investment decisions can be prevented, but user operation convenience decreases
Solution Approach 1:
The system applies preliminary anti-action by detecting abnormal emotions before impulsive investment decisions are made and triggering risk alerts in advance, preventing harmful actions before they occur rather than correcting them after the fact
Solution Approach 2:
The patent implements feedback by continuously monitoring physiological parameters and providing real-time risk alerts to users, creating a closed-loop system where emotional state information feeds back into the wealth management decision-making process to guide user behavior
Data Source
AI summary
A preset alert trigger event associated with a wealth management application operated on an electronic device is detected. In response to detecting the preset alert trigger event, the electronic device obtains a physiological characteristic parameter characterizing an emotion of a target user. The electronic device determines that a preset normal emotion fluctuation condition is not satisfied according to the physiological characteristic parameter. In response to determining that the normal emotion fluctuation condition is not satisfied, a risk alert on a wealth management action of the target user performed in the wealth management application is output.