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1. 发明专利

JPH08180038A METHOD FOR PREPARING DATA FOR INCOME AND EXPENDITURE ANALYSIS 失效
公开(公告)号：JPH08180038A
公开(公告)日：1996-07-12
申请号：JP32504794
申请日：1994-12-27
申请人： HITACHI LTD , HITACHI SOFTWARE ENG
发明人： NAKA ISAMU , YOSHIZAKI YASUSHI , SHIMOKAWA TOSHIYUKI , NORICHIKA YUKIKO , HIRANO KEIICHI , HONMA EIICHI , HASHIMOTO MASAHIRO , TAKAHASHI TOSHIO
IPC分类号： G06Q10/06 , G06F17/00 , G06Q10/00 , G06Q10/04 , G06Q40/00 , G06Q40/04 , G06Q40/08 , G06Q50/00 , G06F17/60
摘要： PURPOSE: To prepare a few data for income and expenditure analysis representing possessed contract data without the need of trials and errors. CONSTITUTION: After the possessed contract data are classified into groups corresponding to summarization conditions, the scenario of a death rate or the like is referred to, the premium income and insurance payment of the respective periods in the future of the entire groups are calculated and the premium income and the insurance payment of the respective periods in the future are calculated with the respective combinations of elements belonging to the range of the respective items of the summarization conditions as contract attributes representing the groups. The contract attribute for which a difference with the sum-up value of the entire groups becomes minimum is extracted from them, the premium and insurance of the contract attribute are used and the data for the income and expenditure analysis are prepared.

2. 发明专利

JP2000011059A IC CARD AND METHOD FOR MANAGING AVAILABLE AMOUNT OF IC CARD 失效
公开(公告)号：JP2000011059A
公开(公告)日：2000-01-14
申请号：JP16973798
申请日：1998-06-17
申请人： HITACHI LTD
发明人： NORICHIKA YUKIKO , KUMOMURA AKIRA
IPC分类号： G07F7/08 , G06F19/00 , G06K17/00 , G06Q10/00 , G06Q20/00 , G06Q20/06 , G06Q20/24 , G06Q20/34 , G06Q20/40 , G06Q20/42 , G06Q40/00 , G06Q40/02 , G06Q50/00
摘要： PROBLEM TO BE SOLVED: To manage the balance of an IC card by each use purpose based on an available amount within the range of an amount stored in the IC card or within an amount permitted by a card issuing company or the like. SOLUTION: The system is provided with an avaliable amount storing means 123 for storing the available total amount of electronic(E) money included in an IC card 100 to be used for settlement at the time of purchasing a commodity or receiving service, a credit available amount storing means 124 for storing the available amount of a credit, a password storing means 122 for storing a password to be used for checking that a person is a user of the IC card 100, a calendar means 130 to be used for the measurement of an applied date and time, an interface 150 to be connected to an external terminal, a picture display means 160 for outputting a picture at the time of user setting, an input means 170 for inputting data at the time of user setting, a user setting means 300 enabling a user to set up an available amount in each use purpose and on each date based on the E money stored in the means 124 and a date measured by the means 130, and a power supply means 140 for supplying power to respective means.

3. 发明专利

JPH08335235A METHOD AND SYSTEM FOR ANALYZING INCOME AND EXPENDITURE OF INSURANCE BUSINESS 失效
公开(公告)号：JPH08335235A
公开(公告)日：1996-12-17
申请号：JP14289795
申请日：1995-06-09
申请人： HITACHI LTD
发明人： NORICHIKA YUKIKO , NAKA ISAMU , SHIMOKAWA TOSHIYUKI
IPC分类号： G06F17/00 , G06F19/00 , G06Q40/00 , G06Q40/02 , G06Q40/04 , G06Q40/08 , G06Q50/00 , G06F17/60
摘要： PURPOSE: To set a scenario of management environment by converting a trace, inputted by using a device on which the position is pointed out on a display while a standard value is referred to, into numerals, then storing scenario data, and calculating incoming and expenditure including insurance income and insur ance payment of held contracts in respective future periods by using the data. CONSTITUTION: The standard value 100 includes held contact data that a user selects on a scenario setting screen and stored in a standard storage device 112. Further, held contact data are stored in a held contact data storage device 111. The scenario data are stored in a scenario data storage device 113. Then a standard value display part 101 reads in the standard value of a selected item out of the standard value storage device 111 according to scenario items and insured article item to be analyzed such as a depth rate, a lapse cancel rate, a new contract rate, and an investment income rate that the user selects on an income analysis setting condition screen and outputs a scenario data input screen where the standard value is displayed to an income and expenditure analysis setting part 121.

4. 发明专利

JP2002032537A OPERATIONAL RISK MEASURING METHOD 失效
公开(公告)号：JP2002032537A
公开(公告)日：2002-01-31
申请号：JP2000217217
申请日：2000-07-13
申请人： HITACHI LTD
发明人： NORICHIKA YUKIKO
IPC分类号： G06F19/00 , G06Q10/00 , G06Q10/04 , G06Q10/06 , G06Q50/00 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To measure the amount of operational risks which are difficult to be metered by data which is objective as much as possible such as business vocation inspection data, working situation data, acquired qualification/taken training data and business history data, which are accumulated in a company. SOLUTION: In the measuring method of the rational risk received by the operation error of a terminal, and the illegality and the accident of an employee when a business using the terminal is performed in the company, business vocation inspection data, working situation data, business history data and risk coefficients by individual businesses on the employee are accumulated and kept in the company. Data accumulated and kept in the company is retrieved by the objective business and an employee number, which are inputted by a person performing the business, so as to measure the risk amount. It is recognized whether a third person approves the objective business or not. When he approves it, the risk amount is measured and the risk amount of the objective business is made to be an average value.

5. 发明专利

JPH11120265A METHOD AND SYSTEM FOR PROPOSING FINANCIAL ARTICLE 失效
公开(公告)号：JPH11120265A
公开(公告)日：1999-04-30
申请号：JP28492297
申请日：1997-10-17
申请人： HITACHI LTD
发明人： YAMAGUCHI TOSHIYUKI , NORICHIKA YUKIKO
IPC分类号： G07D9/00 , G06F19/00 , G06Q40/00 , G06Q40/02 , G06Q40/04 , G06Q40/06
摘要： PROBLEM TO BE SOLVED: To propose a financial article corresponding to the balance of a deposit in consideration of the funds that a customer can handle. SOLUTION: When a request for article information is made on an automatic teller machine(ATM), deposit balance data on the customer is taken out of a ledger file 101 on the host side. Then funds that can be handled are calculated by a handlable fund calculation part 201 according to the acquired deposit balance data. Then the balance section number corresponding to the handlable funds is derived by referring to a balance section table 103. Further, the number of days of the balance section that the customer has belonged to is saved in a day number count table 104 and the balance section for a provided article which is the number of the balance section having the largest day number in it is determined. Then article information corresponding to the balance section number for the provided article is extracted by referring to an article table 102 and stored in a provided article table 100 by the customers. The data are displayed on the terminal screen of the automatic teller machine(ATM).

6. 发明专利

JP2002073985A METHOD FOR ASSISTING TRANSACTION AND STORAGE MEDIUM RECORDING PROGRAM FOR ASSISTING TRANSACTION 失效
公开(公告)号：JP2002073985A
公开(公告)日：2002-03-12
申请号：JP2000257167
申请日：2000-08-28
申请人： HITACHI LTD
发明人： YOKOTA TAKESHI , KOBAYASHI YASUHIRO , KUBO OSAMU , IKEDA YUICHI , SEKIMOTO TAKAO , SHIMOKAWA TOSHIYUKI , NAKAGAWA MASAYUKI , NORICHIKA YUKIKO
IPC分类号： G06F19/00 , G06Q40/00 , G06Q40/02 , G06Q40/04 , G06Q40/06 , G06Q50/00 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To construct a method for providing information assisting an investment behavior based on prediction of a future investment behavior of an actual investor through reflection of momentarily changing market condition and performing an actual investment behavior automatically. SOLUTION: The system includes an investment behavior input device 1, a market information database 2, a security holding condition database 3, an investment behavior rule database 4, a market information input device 5, a market condition predicting device 6, an investment behavior database 7, a predicted price database 8, an investment behavior rule correcting device 9, an investment behavior rule correcting device 10 using market information, an automatic transaction device 11, a predicted result display 12, a market price calculating rule correcting device 13, and a market price calculating rule database 14.

7. 发明专利

JP2002063345A METHOD AND SYSTEM FOR CREDIT RISK MEASUREMENT 失效
公开(公告)号：JP2002063345A
公开(公告)日：2002-02-28
申请号：JP2000246951
申请日：2000-08-16
申请人： HITACHI LTD
发明人： KUBO OSAMU , KOBAYASHI YASUHIRO , YOKOTA TAKESHI , NAKAGAWA MASAYUKI , NORICHIKA YUKIKO
IPC分类号： G06Q90/00 , G06F19/00 , G06Q40/00 , G06Q40/02 , G06Q40/06 , G06Q50/00 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To provide technology for measuring the credit risk of a portfolio when a specific credit event occurs. SOLUTION: The credit risk of the portfolio consisting assets varying in value in response to the occurrence of plural credit events is measured. Firstly, specification is received as to the occurring credit events (step 0101), random- number vectors whose elements correspond to the credit events are generated (step 0103), and the occurrence probabilities of the credit events corresponding to the elements of the generated random-number vectors are compared to decide whether the credit events will occur in the future (step 0104); and the probability distribution and statistic value of the credit risk of the portfolio are calculated (step 0106) through Monte Carlo simulation which repeats several times the trial of the addition of variation in asset value due to the occurrence of each credit event to the credit risk of the portfolio.

8. 发明专利

JP2001143092A GRAPH DISPLAY METHOD, EXECUTION DEVICE THEREOF AND RECORDING MEDIUM WITH ITS PROCESSING PROGRAM RECORDED THEREON 失效
公开(公告)号：JP2001143092A
公开(公告)日：2001-05-25
申请号：JP32080299
申请日：1999-11-11
申请人： HITACHI LTD
发明人： NAKAGAWA MASAYUKI , NORICHIKA YUKIKO , YOKOTA TAKESHI , KUBO OSAMU
IPC分类号： G06F3/048 , G06F17/30 , G06T11/20 , G09G5/36 , G06F3/00
摘要： PROBLEM TO BE SOLVED: To provide technique capable of collectively and visually grasping and confirming correlation between information quantities accompanying an analyzing object, the increase/decrease of a specific information quantity, judgment of the relative position of the analyzing object in a system to which the analyzing object belongs, and the degree of influence given to the system from the analyzing object concerning arbitrary information quantity. SOLUTION: This graph display method for displaying an aggregate including plural constituting elements, having plural information quantities as an analyzing object has a step for assigning information quantities of the constituting elements to the displaying attribute of graphic display and converting the value of the information quantity of each constituent to the assigned displaying attribute value, a step for executing displaying corresponding to the information quantity of each constituting element by using the converted displaying attribute value, a step for converting the value of the information quantity showing the relation between the constituting elements to the displaying attribute value of the display elements connecting the display elements of the constitution elements, and a step for executing display corresponding to the relation between the constitution elements, by using the converted display attribute value.

9. 发明专利

JP2000322481A RANKING TRANSITION PROBABILITY CALCULATING DEVICE BY CALCULATION BLOCK 失效
公开(公告)号：JP2000322481A
公开(公告)日：2000-11-24
申请号：JP12955299
申请日：1999-05-11
申请人： HITACHI LTD
发明人： NORICHIKA YUKIKO , KUBO OSAMU
IPC分类号： G06F17/18 , G06Q10/00 , G06Q40/00 , G06Q40/02 , G06Q50/00 , G06Q50/10 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To easily calculate a ranking transition probability while effectively utilizing the feature of each company by setting a calculation unit according to the attribute information of each company and calculating the probability while using history information in the past when calculating the ranking transition probability by companies. SOLUTION: The ranking transition probability is calculated for calculating the credit risk of a financial institution. Therefore, an attribute to be a reference for the calculation block of ranking transition probability calculation is designated out of attribute information 109 such as class, area, scale and financial information of properties owned by each financial institution by a user, and an average value and the number of pieces of data are calculated concerning attribute information data 110. While using the average value of these attribute information data 110, correlative counting 112 for each attribute is calculated and a calculation block 113 of the ranking transition probability is set from the correlative count and a border value by calculation blocks set by the user. When the number of samples in each calculation block exceeds the prescribed number of samples, a ranking information history obtained from an external ranking organization or internal ranking information is totalized for each calculation block and a ranking transition probability 114 is calculated for each calculation block.

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