Abstract: Disclosed is a delivery and aggregation system for a charity beneficiary ballot which has a function for converting a vote to a demerit vote. The system is for polls for selecting charity beneficiaries which are carried out in conjunction with insurance policy for damage insurance or third field insurance, which includes medical insurance, cancer insurance and pet insurance. Votes which are/have been sent by an insured person who has caused an insurance accident, and are/have been sent in a specific period corresponding to each insurance accident covered by an individual policy, are converted to demerit votes, which is determined for each occurrence of an insurance accident.