Customer data is displayed to a user for making decisions in dealing with
customers. The displayed data is generated based upon characteristic rules that
are generated with respect to predetermined data definition information on the
customer data. After confirming the effect of adding or deleting certain conditions
to and from characteristic data segments as specified by the characteristic rules,
the user selects a segment of particular interest. Subsequently, the user specifies
certain similar customers from the selected segment to be used for speculation
based upon a speculation model so that the speculation model has a relatively high
precision level. Additionally, the user modifies the conditions on the speculation
results to further understand the bases for the inclusion of the customers in the
speculation. The user considers the future course of action towards certain customers
based upon the above understandings.