Patent ID: 8738495

Claim:
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: perform a first determining step of determining whether an assigned rank of a first service corresponding to the personal identification number, initially set to a rank of the individual corresponding to the personal identification number, can be raised to a first higher rank by applying at least a portion of the individual profit/loss value corresponding to a rank-raise profit/loss value associated with the first service toward raising the rank of the first service, such that the individual profit/loss value is correspondingly adjusted, wherein the first higher rank is higher than a present rank of the first service, perform a second determining step of determining whether an assigned rank of a second service corresponding to the personal identification number, initially set to the rank of the individual corresponding to the personal identification number, can be raised to the first higher rank by applying at least a portion of the individual profit/loss value corresponding to a rank-raise profit/loss value associated with the second service toward raising the rank of the second service, such that the individual profit/loss value is correspondingly adjusted, extract the first service when the result of the first determining step is positive and; extract the second service when the result of the second determining step is positive; 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.