Sony Corporation

Tetsuya Anno

Yoshiyuki Nakamura

Motoshi Asano

Yoshinori Komai

Shinsuke Yoshioka

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.

Personal account management device and method for financial transaction

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. In the client terminal device, application software can be utilized in linkage with the banking software so as to display the contents of an electronic bankbook. As examples of the application software, household account-book software, petty cashbook software, etc. can be provided to users.

Client terminal device, storage medium product, bank server apparatus, information transmitting method, information transmitting program, and information transmitting/receiving program

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Kanagawa, Japan

Tetsuya Anno