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.

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.

Abstract: A transaction information consolidating apparatus is disclosed which consolidates cash flow information associated with as many as several hundred thousand transactions per day into data which can be dealt with by a risk management system. A transaction information consolidating apparatus (1) acquires transaction information from a transaction information storage apparatus (2). On the basis of the acquired transaction information, the transaction information consolidating apparatus (1) produces expanded records indicating amounts of movements of money. The transaction information consolidating apparatus (1) then groups the expanded records in accordance with a predetermined consolidation rule, produces a consolidated record from a plurality of expanded records of each group, and supplies consolidated data including a set of expanded records to a risk management system (3).

Abstract: The invention provides an Internet banking system which can present services more familiar to daily life of individual users, and a bank server apparatus, etc. which can limit available banking services depending on user attributes. From the viewpoint of security, the invention reduces risks of information leak from a client terminal device to third persons and unauthorized accesses from third persons. Banking software for connection to the bank server apparatus is installed in the client terminal device. The banking software can display a screen transfer, etc. in the off-line condition. The banking software prepares transaction instruction data from information entered by the user on the displayed screen and temporarily holds it in the client terminal device. When the client terminal device is connected to the bank server apparatus, the held data is uploaded to the bank server apparatus.

Abstract: When the balance of an amount of savings, which can be used when designing a lifestyle by a user, is calculated, an user interface which is as easy to operate as possible can be provided. On a display screen operated by the user, an event icon which is an element for at least one computation, and an event set-up section for specifying at least a one-dimensional value as a result of the event icon being set up by an operation are displayed. When the event icon is dragged-and-dropped by an operation to the event set-up section, a predetermined computation is performed on the basis of the position thereof, and on the basis of the computation result, the amount of savings is displayed.

Abstract: A user can easily manage an asset in accordance with planned use. A user sets virtual bags (sub-accounts) for virtually putting money therein such that the status of an ordinary deposit of the user is reflected in the amount of money put in the bags. Each virtual bag may be assigned a purpose such as “club activity expenses” or “for studying abroad” and a target amount. On a terminal device, money is displayed in the form of one or more icons. If an icon is dragged and dropped onto a virtual bag, an amount of money indicated by the dragged and dropped icon is moved into the virtual bag. The concepts of virtual bags can be extended to virtual moneyboxes.

Abstract: When the balance of an amount of savings, which can be used when designing a lifestyle by a user, is calculated, an user interface which is as easy to operate as possible can be provided. On a display screen operated by the user, an event icon which is an element for at least one computation, and an event set-up section for specifying at least a one-dimensional value as a result of the event icon being set up by an operation are displayed. When the event icon is dragged-and-dropped by an operation to the event set-up section, a predetermined computation is performed on the basis of the position thereof, and on the basis of the computation result, the amount of savings is displayed.

Abstract: A transaction information consolidating apparatus is disclosed which consolidates cash flow information associated with as many as several hundred thousand transactions per day into data which can be dealt with by a risk management system. A transaction information consolidating apparatus (1) acquires transaction information from a transaction information storage apparatus (2). On the basis of the acquired transaction information, the transaction information consolidating apparatus (1) produces expanded records indicating amounts of movements of money. The transaction information consolidating apparatus (1) then groups the expanded records in accordance with a predetermined consolidation rule, produces a consolidated record from a plurality of expanded records of each group, and supplies consolidated data including a set of expanded records to a risk management system (3).

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.

Abstract: The invention provides an Internet banking system which can present services more familiar to daily life of individual users, and a bank server apparatus, etc. which can limit available banking services depending on user attributes. From the viewpoint of security, the invention reduces risks of information leak from a client terminal device to third persons and unauthorized accesses from third persons. Banking software for connection to the bank server apparatus is installed in the client terminal device. The banking software can display a screen transfer, etc. in the off-line condition. The banking software prepares transaction instruction data from information entered by the user on the displayed screen and temporarily holds it in the client terminal device. When the client terminal device is connected to the bank server apparatus, the held data is uploaded to the bank server apparatus.