Personal Account Management Devices, Methods, Programs and Media

Abstract

This invention relates to an apparatus for managing personal accounts. The apparatus comprises a database (C), a database-updating section (D). The a database (C) stores at least personal IDs allocated to individuals, respectively, payment data associated with each personal ID, receipt data associated with each personal ID, and rank data associated with each personal ID. The database updating section (D) determines a rank for each personal ID, from the payment data and the receipt data, and records the rank as the rank data. The apparatus reliably determines the state of the financial transaction of each client, i.e., the receipt data and payment data about the transaction, correctly evaluates the contribution of the client, and provides special services to the client, by setting interests and charges that are as favorable as possible to the client.

1 .- 12 . (canceled) 
     
     
         13 . An apparatus for providing special services to clients, comprising:
 condition-setting means for setting conditions for offering special services;   rank-setting means for setting ranks of the clients on the basis of the conditions which have been set by the condition-setting means;   rank-holding means for holding the ranks of the clients, which have been set the rank-setting means; and   special-service content determining means for determining the contents of special services to offer to the clients, from the ranks of the clients which have been set by the rank-setting means.   
     
     
         14 . The apparatus for providing special services to clients, according to  claim 13 , further comprising condition-notifying means for notifying to the clients the conditions for offering special services, which have been set by the condition-setting means. 
     
     
         15 . The apparatus for providing special services to clients, according to  claim 14 , wherein the condition-setting means sets the conditions for offering special services in accordance with what kinds of financial services the clients have bought hitherto. 
     
     
         16 . The apparatus for providing special services to clients, according to  claim 13 , wherein the condition-setting means sets profit values concerning the clients, as the conditions for offering special services. 
     
     
         17 . The apparatus for providing special services to clients, according to  claim 13 , wherein the condition-setting means sets loss values concerning the clients, as the conditions for offering special services. 
     
     
         18 . The apparatus for providing special services to clients, according to  claim 13 , wherein the condition-setting means sets P/L values concerning the clients, as the conditions for offering special services. 
     
     
         19 . The apparatus for providing special services to clients, according to  claim 13 , further comprising special-service rejecting means for rejecting special services to particular clients. 
     
     
         20 . The apparatus for providing special services to clients, according to  claim 19 , wherein the clients to whom special services are rejected are those who have delayed repayment of loans. 
     
     
         21 . The apparatus for providing special services to clients, according to  claim 13 , further comprising default-rank setting means for setting default ranks to new clients in connection with service items. 
     
     
         22 . The apparatus for providing special services to clients, according to  claim 13 , further comprising special-service notifying means for notifying to the clients the contents of the special services determined by special-service content determining means. 
     
     
         23 . The apparatus for providing special services to clients, according to  claim 13 , wherein the contents of the special services determined by special-service content determining means are the interests on the financial services, which are more favorable to the clients than before. 
     
     
         24 . The apparatus for providing special services to clients, according to  claim 13 , wherein the contents of the special services determined by special-service content determining means are charges on various financial transactions, which are more favorable to the clients than before. 
     
     
         25 . A method of providing special services to clients, comprising the steps of:
 setting conditions for offering special services;   setting ranks of the clients on the basis of the conditions which have been set in the step of setting conditions for offering special services;   holding the ranks of the clients, which have been set in the step of setting ranks of the clients;   determining the contents of special services to offer to the clients, from the ranks of the clients which have been set in the step of setting the ranks of the clients; and   offering special services to the clients in accordance with the contents of special services, which have been determined in the step of determining the contents of special services.   
     
     
         26 . A recording medium recording a program for performing the function of the apparatus according to  claim 13 . 
     
     
         27 . A recording medium recording a program for performing the function of the apparatus according to  claim 15 . 
     
     
         28 . A recording medium recording a program for performing the function of the apparatus according to  claim 18 . 
     
     
         29 . A program for performing the function of the apparatus according to  claim 13 . 
     
     
         30 . A program for performing the function of the apparatus according to  claim 15 . 
     
     
         31 . A program for performing the function of the apparatus according to  claim 18 . 
     
     
         32 . An apparatus for providing special services to clients identified by personal IDs which are necessary for the clients to perform financial transactio us, comprising:
 receiving means for receiving service IDs assigned to service items, when the clients perform the financial transactions;   rank-outputting means for outputting rank data items corresponding to the clients, in accordance with the service IDs received by the receiving means and the personal IDs;   special-service content determining means for determining the contents of special services to offer to the clients, from the rank data items output by the rank-outputting means; and   special-service offering means for offering the clients the contents of special services, which have been determined by the special-service content determining means.   
     
     
         33 . The apparatus for providing special services, according to  claim 32 , further comprising an upper-rank outputting means for outputting the highest of the a plurality of rank data items which the rank-outputting means outputs and which correspond to a service ID and a personal ID. 
     
     
         34 . A method of providing special services to clients identified by personal IDs which are necessary for the clients to perform financial transactions, comprising the steps of:
 receiving service IDs assigned to service items, when the clients perform the financial transactions;   outputting rank data items corresponding to the clients, in accordance with the service IDs received in the step of receiving the service IDs and the personal IDs;   determining the contents of special services to offer to the clients, from the rank data items output in the step of outputting the rank data items; and   offering the clients the contents of special services, which have been determined by the step of determining the contents of special services.   
     
     
         35 . A recording medium recording a program for performing the function of the apparatus according to  claim 32 . 
     
     
         36 . A recording medium recording a program for performing the function of the apparatus according to  claim 33 . 
     
     
         37 . A program for performing the function of the apparatus according to  claim 32 . 
     
     
         38 . A program for performing the function of the apparatus according to  claim 33 . 
     
     
         39 . An apparatus for providing special services, comprising:
 a database storing at least personal IDs allocated to individuals, respectively, profit data associated with each personal  10 , loss data associated with each personal ID, and rank data associated with each personal ID, said profit data and said loss data representing the profit and lass of a financial institution; and   a database-updating section for determining a rank for each personal ID, from the profit data and the loss data of a financial institution, and for recording the rank as the rank data.   
     
     
         40 . The apparatus for providing special services, according to  claim 39 , wherein the rank data includes at least one data item composed of a service ID and rank data paired with the service ID. 
     
     
         41 . An apparatus for providing special services, comprising:
 a database storing at least personal IDs allocated to individuals, respectively, profit data associated with each personal ID, loss data associated with each personal  10 , and rank data associated with each personal ID, said profit data and said loss data representing the profit and loss of a financial institution;   a candidate-selecting section for determining a plurality of rank candidates from the profit data and loss data of a financial institution associated with each personal ID and for selecting at least one of the rank candidates; and   a database-updating section for recording, as the rank data, the rank candidate selected by the candidate-selecting section.   
     
     
         42 . The apparatus for providing special services, according to  claim 39 , wherein the rank is determined from the contribution of each individual, which has been calculated from the profit and loss of the financial institution. 
     
     
         43 . A recording medium recording a program for performing the function of the apparatus according to  claim 39 . 
     
     
         44 . A recording medium recording a program for performing the function of the apparatus according to  claim 40 . 
     
     
         45 . A recording medium recording a program for performing the function of the apparatus according to  claim 41 . 
     
     
         46 . A recording medium recording a program for performing the function of the apparatus according to  claim 42 . 
     
     
         47 . A program for performing the function of the apparatus according to  claim 39 . 
     
     
         48 . A program for performing the function of the apparatus according to  claim 40 . 
     
     
         49 . A program for performing the function of the apparatus according to  claim 41 . 
     
     
         50 . A program for performing the function of the apparatus according to  claim 42 . 
     
     
         51 . (canceled) 
     
     
         52 . The apparatus of  claim 41 , wherein the rank is determined from the contribution of each individual, which has been calculated from the profit and loss of the financial institution.