PROBLEM TO BE SOLVED: To provide individual credit rating to each customer whose bank account has been opened for a certain period of time or more, regardless of whether any financial products are used.;SOLUTION: A rule creating part 24, which creates rules for calculating an estimated value of the probability of occurrence of negative transactions based on examples of training extracted from case examples of customers who conducted transactions for individual-oriented financial products in the past, creates a first conversion rule to be applied to credited customers who have transactions for the financial products, and a second conversion rule to be applied to uncredited customers who hold bank accounts but do not have transactions for the financial products. A rule application part 26, which applies a conversion rule stored in a first or second rule storage means to individual customers with the history of some account transactions during a certain period of time after they opened their bank accounts, applies the first conversion rule to each credited customer and provides rating, and applies the second conversion rule stored in the second rule storage means to each uncredited customer and provides rating.;COPYRIGHT: (C)2004,JPO
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