Personal Account Management Devices, Methods, Programs and Media

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.

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.

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.

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.

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.