Spending Alert System Using Emotive State Analysis
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Solution Overview
Problem
Current spending alert systems lack personalization and effectiveness in preventing negative spending behaviors, as they do not adequately consider user emotional states and preferences derived from photographs.
Innovation Solution
A user computing device and method that analyze user photograph data to determine emotive states, categorize photographs, and generate personalized spending alerts based on spending behavior data, using a network interface to communicate with financial institutions and present alerts to users.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional spending alert systems are used, then the system is simple to operate, but the alert effectiveness and personalization are insufficient
Solution Approach 1:
The system performs preliminary analysis of user photographs to determine emotive states and categorize them before generating spending alerts. This advance preparation of emotional context data enables more effective and personalized alerts without adding complexity to the real-time alert generation process
Solution Approach 2:
The patent introduces photograph-based emotive state analysis as an intermediary layer between traditional spending monitoring and alert generation. This intermediary component extracts emotional context from photographs to enhance alert personalization while maintaining the underlying simplicity of the spending tracking system
2Adaptability or versatility
If photograph analysis is added to spending alert systems, then alert personalization improves, but processing time and computational resources increase
Solution Approach 1:
The system performs photograph analysis and emotive state determination in advance, before spending alerts are needed. By pre-processing the emotional context from photographs and storing the results, the system avoids time-consuming analysis during critical alert moments while still delivering personalized alerts
Solution Approach 2:
The patent extracts only the essential emotive state information from photographs rather than performing complete image analysis. This selective extraction of emotional context reduces computational requirements and processing time while maintaining the personalization benefit
Data Source
AI summary
A user mobile device includes a network interface, an input/output (“I/O”) device configured to exchange data with a user, the I/O device including a display device configured to present a graphical user interface to the user, an imaging device configured to generate image data; and a processing circuit. The processing circuit comprising a memory and a processor. The memory stores instructions that cause the processor to receiver user photograph data including multiple photographs of the user, determine an emotive state of the user in each of the photographs, categorize each photograph into at least a user positive emotion category and a user negative emotion category, receive spending behavior data, generate a user spending alert based on the spending behavior data including a photograph from at least one of the user positive emotion category and the user negative emotion category, and present the spending alert to the user.