Abstract: A method of invitation to alteration of a contract of cash loan for consumption, which makes it possible to discover a potential customer with whom a new contract can be made and promote making of the new contract. When a creditor issues an itemized statement of use and a bill and/or executes a reminding process, invitation target customers each satisfying conditions for being a defaulting debtor or a candidate defaulting debtor are extracted from all debtors, and each of the extracted debtors is notified of an address of a Web site at which a service is provided for guiding customers to new contracts. At the Web site, a payment plan which is to be followed after alteration of present contract contents is simulated, and when the debtor can consent to a result of the simulation, a procedure for altering the present contract contents can be taken instantly.

Abstract: An operator connection system in which a telephone call from a customer having ever called is connected to an operator having ever served the particular customer, as far as possible. The operator connection system comprises an exchange for receiving calls from customers, a server for acquiring the calling subscriber number of each of the calls from the exchange through a CTI link, a customer database for storing the information items of the customers and operators therein, a plurality of client computers, and a private network. The server acquires the calling subscriber number of the call of the customer, and searches for the customer information corresponding to the number and the operator having ever served the particular customer. Further, the server searches for a telephone set and the client computer which are allocated to the specified operator, and it commands the exchange to bring the telephone set of the specified operator and that of the particular customer into line connection.