TECHNICAL FIELD
[0001] The present disclosure relates to risk assessment. More particularly, the present disclosure relates to a system to analyse facial expressions of a person at a kiosk displaying investment plans, and evaluate risk assessment which is transmitted to a financial provider to create appropriate investment portfolio for the person.

BACKGROUND
[0002] Background description includes information that may be useful in understanding the present invention. It is not an admission that any of the information provided herein is prior art or relevant to the presently claimed invention, or that any publication specifically or implicitly referenced is prior art.
[0003] Accurately assessing the psychological risk tolerance and financial risk capacity of clients is one of the biggest challenges facing financial institutions. The consequences of not accurately assessing client needs and attitudes to risk have been starkly highlighted in many financial mis-selling cases in recent years.
[0004] When developing an investment portfolio for a client, the financial advisor must take into consideration key factors helpful in crafting the most suitable investment portfolio. Capacity or ability to take on risk, measures objective factors like time horizon, age, the need for income, and family situation. In addition to this, subjective factors like client's personality and traits are not given due importance. Also, there is less focus on change in the risk aptitude of the client with changing circumstances.
[0005] The existing techniques of risk assessment like questionnaires are subjective and does not account for changing risk aptitude of the client with time. Also, looking at past data of investors to predict their risk-taking ability is not suitable for first time investors.
[0006] There is, therefore, a need of a solution to obviate above-mentioned problem, by analyzing the risk assessment of investor, based on the facial expressions of the investor.
OBJECTS OF THE PRESENT DISCLOSURE
[0007] Some of the objects of the present disclosure, which at least one embodiment herein satisfies are as listed herein below.
[0008] It is an object of the present disclosure to provide a risk assessment kiosk that is useful for new investors.
[0009] It is another object of the present disclosure to provide a risk assessment kiosk where analytics is data driven and hence is more robust and reliable than traditional risk assessment techniques.
[0010] It is another object of the present disclosure to provide a risk assessment kiosk that is Useful to predict changing risk aptitudes of investors
[0011] It is another object of the present disclosure to provide a risk assessment kiosk that is easy to use and user friendly.
[0012] Other object, features, and advantages will become apparent from detail description and appended claims to those skilled in the art.

SUMMARY
[0013] Various aspects of the present disclosure relates to risk assessment. In particular the present disclosure relates to a system to analyse facial expressions of a person at a kiosk displaying investment plans, and evaluate risk assessment which is transmitted to a financial provider to create appropriate investment portfolio for the person.
[0014] According to an aspect of the present disclosure a risk assessment kiosk is disclosed. The kiosk may include a housing, a display unit disposed on the housing and configured to display information associated with a plurality of investment plans, one or more sensors may be coupled on the housing to acquire facial attributes of a subject, when the subject view the information on the display unit, a processing unit may be operatively coupled to the display unit and the one or more sensors, the processing unit may include one or more processors coupled with a memory, the memory may store instructions executable by the one or more processors configured to receive the facial attributes from the one or more sensors, indicative of state of face of the subject, determine that the subject performing at least one of a predetermined set of facial movements based on the state of face of the subject, identify facial expression of the subject corresponding to the determined facial movement, generate a score based on the identified facial expression of the subject, wherein the score pertains to a risk assessment of the subject for the associated information displayed on the display unit, and transmit the score to one or more mobile computing devices by a communication unit.
[0015] In an aspect, the one or more sensors may include any or a combination of a camera, eye-tracker, radar sensor, and infra-red camera.
[0016] In an aspect, the predetermined set of facial movements may include at least one of inflating a cheek, pursing lips, rubbing the lips together, smiling, raising eyebrows, and expanding corners of the lips.
[0017] In an aspect, the facial expression may be indicative of any or a combination of calm, joy, surprise, fear, anger, trust, anticipation, and sadness.
[0018] In an aspect, the communication unit may include any or combination of GSM module, Wireless Fidelity (Wi-Fi) Module, Bluetooth Module, Li-Fi Module, Wireless Local Area Network (WLAN), and ZigBee
[0019] In an aspect, the score may be transmitted to the one or mobile computing devices in the form of a signal wherein the one or mobile computing devices are associated with one or more financial advisors.
[0020] Another aspect of the present disclosure pertains to as system for risk assessment, the system may including a display unit disposed on a housing and configured to display information associated with a plurality of investment plans, one or more sensors positioned on the housing to acquire a plurality of facial attributes of a subject, when the subject view the information on the display unit, a processing unit may be operatively coupled to the display unit and the one or more sensors, the processing unit may be configured to receive the facial attributes from the one or more sensors, indicative of state of face of the subject, determine that the subject performing at least one of a predetermined set of facial movements based on the state of face of the subject, identify facial expression of the subject corresponding to the determined facial movement, generate a score based on the identified facial expression of the subject, wherein the score pertains to a risk assessment of the subject for the associated information displayed on the display unit, transmit the score to one or more mobile computing devices by a communication unit.
[0021] In an aspect, the housing may indicate a kiosk.
[0022] Various objects, features, aspects and advantages of the inventive subject matter will become more apparent from the following detailed description of preferred embodiments, along with the accompanying drawing figures in which like numerals represent like components.

BRIEF DESCRIPTION OF DRAWINGS
[0023] The following is a detailed description of embodiments of the disclosure depicted in the accompanying drawings. The embodiments are in such detail as to clearly communicate the disclosure. However, the amount of detail offered is not intended to limit the anticipated variations of embodiments; on the contrary, the intention is to cover all modifications, equivalents, and alternatives falling within the spirit and scope of the present disclosure as defined by the appended claims.
[0024] In the following description, numerous specific details are set forth in order to provide a thorough understanding of embodiments of the present invention. It will be apparent to one skilled in the art that embodiments of the present invention may be practiced without some of these specific details.
[0025] FIG. 1 illustrates an exemplary block diagram of kiosk for risk assessment by detecting facial analytics of a subject, in accordance with an embodiment of the present disclosure.
[0026] FIG. 2 illustrates exemplary functional components of a risk assessment kiosk, in accordance with an embodiment of the present disclosure.

DETAILED DESCRIPTION
[0027] The following is a detailed description of embodiments of the disclosure depicted in the accompanying drawings. The embodiments are in such detail as to clearly communicate the disclosure. However, the amount of detail offered is not intended to limit the anticipated variations of embodiments; on the contrary, the intention is to cover all modifications, equivalents, and alternatives falling within the scope of the present disclosure as defined by the appended claims.
[0028] In the following description, numerous specific details are set forth in order to provide a thorough understanding of embodiments of the present invention. It will be apparent to one skilled in the art that embodiments of the present invention may be practiced without some of these specific details. Embodiments explained herein relates to risk assessment, and in particular, the present disclosure relates to a system to analyse facial expressions of a person at a kiosk displaying investment plans, and evaluate risk assessment which is transmitted to a financial provider to create appropriate investment portfolio for the person.
[0029] FIG. 1 illustrates an exemplary block diagram of kiosk for risk assessment by detecting facial analytics of a subject, in accordance with an embodiment of the present disclosure.
[0030] According to an embodiment of the present disclosure, a risk assessment kiosk 100 (interchangeably referred as kiosk 100, hereinafter) is disclosed. The kiosk 100 can include a housing 102 that can be defined as a relatively small area that is at least partially enclosed by one or more walls. A display unit 104 can be positioned on the housing 102 to display information to a subject (also referred as person, hereinafter), one or more sensors 106 (collectively referred as sensors 106 and individually referred as sensor 106) coupled to the housing 102, and a processing unit 108 can be operatively coupled to the housing 102.
[0031] In an embodiment, the display unit 104 can be selected from a group consisting of a computer, light emitting diode (LED), liquid crystal display (LCD), organic light emitting diode (OLED), and LED matrix. The display unit can be configured to display information including one or more investment plans such as mutual fund, recurring deposit (RD), fixed deposit (FD), Insurance, and the likes. It should be realized that in the exemplary embodiment, the information described herein are images, videos, pdf files, and the data files which can be stored in a memory, or can be directly managed from associated person from a remote location.
[0032] In an exemplary embodiment, when a person view information on the kiosk 100, a pop up can be displayed to enable the person to enter the details, such as name and contact number, if the person is interested, he can provide details, else can cancel the pop up.
[0033] In an embodiment, the sensors 106 can be positioned at a height on the kiosk in such a manner that facilitates in acquiring facial attributes of the person easily. The sensors 106 can include any or a combination of a camera, 3D facial sensor, eye-tracker, radar sensor, and infra-red camera.
[0034] In an embodiment, the kiosk 100 can be positioned in a market area, an industrial area, an insurance office, bank, and the likes. When a person is detected within a pre-defined area of the kiosk 100, the sensors 106 can be activated to acquire one or more facial attributes of the person, and can transmit the acquired facial attributes to the processing unit 108. For example, the camera can capture the facial images of the person standing near the kiosk 100, and can transmit to the processing unit 108.
[0035] In an embodiment, the processing unit 108 can be operatively coupled to the display unit 104 and the sensors 106, the processing unit 108 can include or more processors coupled with a memory, the memory storing instructions executable by the one or more processors. The processing unit 108 can be configured to receive the facial attributes from the sensors 106, indicative of state of face of the subject, and determine that the subject performing at least one of a predetermined set of facial movements based on the state of face of the subject. The processing unit 108 can be further configured to identify facial expression of the subject corresponding to the determined facial movement.
[0036] In an embodiment, the predetermined set of facial movement include at least one of inflating a cheek, sticking out of tongue, pursing lips, rubbing the lips together, smiling, raising eyebrows, and expanding corners of the lips, but not limited to the likes. He facial movement can also include width to height ratio, nose deformity and facial trauma, mean eye aperture, number of blinks per minute, mouth movements, Bizygomatic facial width, and the likes.
[0037] In an embodiment, the facial expression can be indicative of any or a combination of calm, joy, surprise, fear, anger, trust, anticipation, and sadness, but not limited to the likes.
[0038] In an embodiment, the processing unit 108 can be further configured to generate a score based on the identified facial expression of the subject. The score can pertain to a risk assessment of the subject for the associated information displayed on the display unit 104. The generated score can be further transmitted to one or more mobile computing devices 110 by a communication unit 112 and the mobile computing devices can be associated with one or more financial advisors.
[0039] In an embodiment, the one or more mobile computing devices 110 can be desktop computer, tablet, personal digital assistant, laptop, smart phone, and portable media device. In an exemplary embodiment, the mobile computing devices can include any one of a web client or application to facilitate communication and interaction between the kiosk and financial advisors. Accordingly, during a communication session with the mobile computing device, the kiosk 100 may provide the mobile computing device with a set of machine-readable instructions that, when interpreted by the mobile computing device using the web client or the application, cause the mobile computing device 110 to present a user interface (UI), and transmit input received through such UIs back to the kiosk 100. As an example, the UIs provided to the mobile computing device by the kiosk 100 allow financial advisors to display advertisement, images, videos, pdf file and data files on the display unit 104 of the kiosk 100.
[0040] In an embodiment, the communication unit 112 can be configured to establish communication in between the processing unit 108 and the display unit 104. In an embodiment, the communication unit 112 can be configured to facilitate wireless Internet technology. Examples of such wireless Internet technology include GSM module, Wireless LAN (WLAN), Wireless Fidelity (Wi-Fi), Wi-Fi Direct, Digital Living Network Alliance (DLNA), Wireless Broadband (WiBro), Worldwide Interoperability for Microwave Access (WiMAX), High Speed Downlink Packet Access (HSDPA), HSUPA (High Speed Uplink Packet Access), Long Term Evolution (LTE), LTE-A (Long Term Evolution-Advanced), and the like.
[0041] In addition, the communication unit 112 can be configured to facilitate short-range communication. For example, short-range communication can be supported using at least one of Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra-Wideband (UWB), ZigBee, Near Field Communication (NFC), Wireless-Fidelity (Wi-Fi), Wi-Fi Direct, Wireless USB (Wireless Universal Serial Bus), and the like.
[0042] In an embodiment, a power source (not shown) can be provided to supply electricity to the display unit 104, the sensors 106, and the processing unit 108. The power source can provide DC power supply or AC power supply, and can include any or a combination of rechargeable battery, lithium (Li) ion cell, rechargeable cells, electrochemical cells, storage battery, Lithium Polymer, Lithium Ion, Nickel Cadmium, Nickel Hydride and secondary cell.
[0043] FIG. 2 illustrates exemplary functional components of a risk assessment kiosk, in accordance with an embodiment of the present disclosure.
[0044] According to an embodiment of the present disclosure, as illustrated in FIG. 2, a processing unit 108 can include one or more processor(s) 202. The one or more processor(s) 202 can be implemented as one or more microprocessors, microcomputers, microcontrollers, digital signal processors, central processing units, logic circuitries, and/or any devices that manipulate data based on operational instructions. Among other capabilities, the one or more processor(s) 202 can be configured to fetch and execute computer readable instructions stored in a memory 204 of the processing unit 108. The memory 204 can store one or more computer-readable instructions or routines, which may be fetched and executed to create or share the data units over a network service. The memory 204 can include any non-transitory storage device including, for example, volatile memory such as RAM, or non-volatile memory such as EPROM, flash memory, and the likes.
[0045] In an embodiment, the processing unit 108 can also include an interface(s) 206. The interface(s) 206 can comprise a variety of interfaces, for example, interfaces for data input and output devices, referred to as I/O devices, storage devices, and the like. The interface(s) 206 may facilitate communication of system. The interface(s) 206 may also provide a communication pathway for one or more components of the system 100. Examples of such components include, but are not limited to, processing engine(s) 208 and database 210.
[0046] In an embodiment, a processing engine(s) 208 can be implemented as a combination of hardware and programming (for example, programmable instructions) to implement one or more functionalities of the processing engine(s) 208. In examples described herein, such combinations of hardware and programming may be implemented in several different ways. For example, the programming for the processing engine(s) 208 may be processor executable instructions stored on a non-transitory machine-readable storage medium and the hardware for the processing engine(s) 208 may include a processing resource (for example, one or more processors), to execute such instructions. In the present examples, the machine-readable storage medium may store instructions that, when executed by the processing resource, implement the processing engine(s) 208. In such examples, the processing unit 108 can include the machine-readable storage medium storing the instructions and the processing resource to execute the instructions, or the machine-readable storage medium may be separate but accessible to processing unit 108 and the processing resource. In other examples, the processing engine(s) 208 may be implemented by electronic circuitry. A database 210 can include data that is either stored or generated as a result of functionalities implemented by any of the components of the processing engine(s) 208.
[0047] In an embodiment, the processing engine(s) 208 can include an extraction unit 212, a facial analytics based prediction unit 214, a matching unit 216, a signal generation unit 218, and other unit(s) 220. The other unit(s) 220 can implement functionalities that supplement applications or functions performed by the processing engine(s) 208.
[0048] In an embodiment, the database 210 can include data that is either stored or generated as a result of functionalities implemented by any of the components of the processing engine(s) 208.
[0049] It would be appreciated that units being described are only exemplary units and any other unit or sub-unit may be included as part of the system. These units too may be merged or divided into super- units or sub-units as may be configured.
[0050] In an embodiment, the processing unit 108 can be configured to receive a plurality of facial attributes from the one or more sensors 106. The received facial attributes can be indicative of state of face of the subject at the time of viewing a display unit 104 disposed on a kiosk 100, and information associated with investment plans are being displayed on the display unit 104 by any private or government financial organizations such as bank displaying information related to RD and FD, and insurance provider displaying information such as life insurance, MAX, mutual funds, and etc.
[0051] In an embodiment, the extraction unit 212 can be configured to extract at least one facial movement from the received state of face of the subject that facilitates in determining that the subject performing at least one of a predetermined set of facial movements based on the state of face of the subject. The predetermined set of facial movements can be stored in the database 210, and can include, but not limited to at least one of inflating a cheek, sticking out of tongue, pursing lips, rubbing the lips together, smiling, raising eyebrows, and expanding corners of the lips.
[0052] In an embodiment, the facial analytics based prediction unit 214 can be configured to identify facial expression of the subject corresponding to the determined facial movement, and the facial expression can be indicative of any or a combination of calm, joy, surprise, fear, anger, trust, anticipation, and sadness, but not limited to the likes.
[0053] In an embodiment, the matching unit 216 can be configured to match the identified facial expression with a set of predetermined facial expressions, and correspondingly can generate a score based on the identified facial expression of the subject. The score include a risk assessment of the subject for the associated information displayed on the display unit 104. For example, while watching a mutual fund advertisement, the person smiled, and the kiosk 100 can analysed that the person got the information he needs, thus the score can be generated accordingly.
[0054] In an embodiment, the signal generation unit 218 can be configured to generate a signal that can be transmitted to the one or mobile computing devices 110 by a communication unit 112 such as WI-FI, GSM module. The one or more mobile computing devices 110 can include smart phone, laptop and the likes, and can be configured to one or more financial advisors. Upon receiving the signal (i.e. score for risk assessment), the financial advisor can contact to the person, to explain more details regarding the interested financial investment. In addition, the financial advisor can use the score to develop an optimum investment portfolio for the person.
[0055] Moreover, in interpreting the specification, all terms should be interpreted in the broadest possible manner consistent with the context. In particular, the terms “comprises” and “comprising” should be interpreted as referring to elements, components, or steps in a non-exclusive manner, indicating that the referenced elements, components, or steps may be present, or utilized, or combined with other elements, components, or steps that are not expressly referenced.
[0056] While the foregoing describes various embodiments of the invention, other and further embodiments of the invention may be devised without departing from the basic scope thereof. The scope of the invention is determined by the claims that follow. The invention is not limited to the described embodiments, versions or examples, which are included to enable a person having ordinary skill in the art to make and use the invention when combined with information and knowledge available to the person having ordinary skill in the art.

ADVANTAGES OF THE INVENTION
[0057] The proposed invention provides a risk assessment kiosk that is useful for new investors.
[0058] The proposed invention provides a risk assessment kiosk where analytics is data driven and hence is more robust and reliable than traditional risk assessment techniques.
[0059] The proposed invention provides a risk assessment kiosk that is Useful to predict changing risk aptitudes of investors
[0060] The proposed invention provides a risk assessment kiosk that is easy to use and user friendly.

Claims:

1. A risk assessment kiosk 100, comprising:
a housing 102;
a display unit 104 disposed on the housing 102 and configured to display information associated with a plurality of investment plans;
one or more sensors 106 coupled on the housing 102 to acquire a plurality of facial attributes of a subject, when the subject view the information on the display unit;
a processing unit 108 operatively coupled to the display unit 104 and the one or more sensors 106, the processing unit 108 comprising one or more processors coupled with a memory, the memory storing instructions executable by the one or more processors configured to:
receive the plurality of facial attributes from the one or more sensors 106, indicative of state of face of the subject;
determine that the subject performing at least one of a predetermined set of facial movements based on the state of face of the subject;
identify facial expression of the subject corresponding to the determined facial movement;
generate a score based on the identified facial expression of the subject, wherein the score pertains to a risk assessment of the subject for the associated information displayed on the display unit; and
transmit the score to one or more mobile computing devices by a communication unit 112.
2. The risk assessment kiosk as claimed in claim 1, wherein the one or more sensors comprise any or a combination of a camera, eye-tracker, radar sensor, and infra-red camera.
3. The risk assessment kiosk as claimed in claim 1, wherein the predetermined set of facial movements include at least one of inflating a cheek, sticking out of tongue, pursing lips, rubbing the lips together, smiling, raising eyebrows, and expanding corners of the lips.
4. The risk assessment kiosk as claimed in claim 1, wherein the facial expression indicative of any or a combination of calm, joy, surprise, fear, anger, trust, anticipation, and sadness.
5. The risk assessment kiosk as claimed in claim 1, wherein the communication unit 112 comprises any or combination of GSM module, Wireless Fidelity (Wi-Fi) Module, Bluetooth Module, Li-Fi Module, Wireless Local Area Network (WLAN), and ZigBee.
6. The risk assessment kiosk as claimed in claim 1, wherein the score is transmitted to the one or mobile computing devices in the form of a signal wherein the one or mobile computing devices are associated with one or more financial advisors.
7. A system for risk assessment comprising:
a display unit 104 disposed on a housing 102 and configured to display information associated with a plurality of investment plans;
one or more sensors 106 positioned on the housing 102 to acquire a plurality of facial attributes of a subject, when the subject view the information on the display unit;
a processing unit 108 operatively coupled to the display unit 104 and the one or more sensors 106, the processing unit 108 comprising one or more processors coupled with a memory, the memory storing instructions executable by the one or more processors configured to:
receive the plurality of facial attributes from the one or more sensors 106, indicative of state of face of the subject;
determine that the subject performing at least one of a predetermined set of facial movements based on the state of face of the subject;
identify facial expression of the subject corresponding to the determined facial movement;
generate a score based on the identified facial expression of the subject, wherein the score pertains to a risk assessment of the subject for the associated information displayed on the display unit; and
transmit the score to one or more mobile computing devices 110 by a communication unit 112.
8. The system for risk assessment as claimed in claim 7, wherein the housing indicates a kiosk.
9. The system for risk assessment as claimed in claim 7, wherein the one or more sensors comprise any or a combination of a camera, eye-tracker, radar sensor, and infra-red camera.
10. The system for risk assessment as claimed in claim 7, wherein the facial expression comprises any or a combination of calm, joy, surprise, fear, anger, trust, anticipation, and sadness.