Image-Based Theme Investment Recommendations for Retail Investors

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Solution Overview

Problem

Traditional investment research methods require prior knowledge of companies and financial sectors, making it difficult and time-consuming for retail investors to identify potential investment opportunities.

Innovation Solution

A computing device that analyzes user images to recognize objects, determines themes based on these objects using natural language processing, and provides theme-based investment recommendations tailored to the user's interests and experiences.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If traditional investment research methods are used, then investors can receive information from news media and social media, but the information is not relevant to the investor's personal interests and requires significant time and expertise to process

Engineering Contradiction:
Improverelevance of investment information to user interestsVSAvoidtime required for investment research
Core Design Contradiction:
Adaptability or versatilityVSLoss of time

Solution Approach 1:

The system automatically analyzes user-uploaded images to extract objects and determine themes without requiring users to manually search or filter investment information. The system serves itself by using the user's own images as the basis for generating personalized investment recommendations, eliminating the need for users to actively seek relevant information.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The system pre-processes user images to identify objects and determine themes before the user needs investment recommendations. By performing image analysis and theme determination in advance, the system prepares personalized investment information that is ready when the user requests it, saving research time.

Inventive Principle:
Principle #10Preliminary action

2Ease of operation

If traditional investment research methods are used, then investors can access general market information, but they need prior knowledge of companies and financial sectors to effectively research opportunities

Engineering Contradiction:
Improveease of investment researchVSAvoidexpertise required for investment research
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The system introduces an intermediary processing layer that automatically performs image analysis, object recognition, and theme determination. This intermediary translates user images directly into personalized investment themes without requiring users to navigate complex financial knowledge or manually research companies and sectors.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system automatically generates personalized investment recommendations based on analyzing user images, eliminating the need for users to possess expert knowledge. The system serves itself by using AI-powered image analysis to bridge the gap between casual user input and professional-level investment insights.

Inventive Principle:
Principle #25Self-service

3Adaptability or versatility

If passive information reception from news media is used, then investors receive general market updates, but the information lacks personalization and relevance to individual investor interests

Engineering Contradiction:
Improvepersonalization of investment informationVSAvoidcomplexity of information processing system
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system uses a multi-functional approach where a single image analysis pipeline serves multiple purposes: identifying objects, determining themes, and generating personalized investment recommendations. This universal processing system handles diverse user inputs and produces customized outputs without requiring separate complex systems for each function.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

The system replaces manual information filtering and personalization processes with automated AI-based image analysis and natural language processing. Instead of requiring users to manually curate personalized information, the system uses computational methods to automatically analyze images and generate tailored investment recommendations.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS20250225800A1Method, apparatus, system, and non-transitory computer readable medium for experiential based investment recommendations
Publication Date: 2025.07.10 CHARLES SCHWAB & CO INC
  • US20250225800A1 patent drawing
  • US20250225800A1 patent drawing
  • US20250225800A1 patent drawing

AI summary

A system, apparatus, method, and non-transitory computer readable medium for providing theme based investment recommendations may include a computing device caused to, obtain at least one image associated with at least one user, recognize at least one object included in the at least one image using image analysis, determine at least one theme from a plurality of themes based on the recognized at least one object, and provide at least one recommendation to the at least one user based on the at least one theme.