Patent ID: 8738495
Filing Date: 2014-05-27
Classification: G06Q

Abstract:
1. An apparatus for managing personal accounts, comprising: a database storing a personal identification number corresponding to an individual, rank data, and service identification numbers; a profit/loss calculating section configured to calculate an individual profit/loss value based on profits and losses attributed to the individual, the calculation being based on at least: a profit from use of a deposit account, a profit from interest on a loan, a loss from payment of interest on a deposit, and a loss from a payment of interest on a loan; an item extracting section comprising a computer processor and memory configured to: an item determining section configured to set the assigned rank of the first service to the first higher rank for a first period and to set the assigned rank of the second service to the first higher rank for the first period; and a rank-updating section configured to raise the rank of at least one of the first service and the second service based on a selection by the individual of at least one of the first service and the second service from a plurality of services presented to the individual.