Abstract: A terminal receives input data regarding a desired product, and sends a message including information regarding the product to a sales server. The sales server receives this message, acquires the price of the product, and sends a message including the price and a settlement server to the terminal. The terminal receives this message, accepts input data of a scratch number of a prepaid card, and sends a message including the scratch number, the price and the sales server to the settlement server. The settlement server receives this message, acquires the balance corresponding to the scratch number. If the balance is not less than the price, the settlement server updates the balance by subtracting the price from the balance, and sends a message that the settlement has been succeeded to the sales server. The sales server receives this message and provides the desired product.

Abstract: An exchange value unit identification code is sent to an electronic note generation site from an electronic note user site. When recognizing presence of an exchange value indicated by the exchange value unit identification code, the electronic note generation site generates an electronic note within a limit which does not exceed the exchange value and an authentication code to the electronic note user site. Then, the electronic note user site sends the authentication code to a transaction site. When a commodity is selected at the electronic note user site after each electronic note has been checked valid, the transaction site sends an acknowledgement of acceptance of the selection to the electronic note user site. After erasure of an electronic note at the electronic note user site is confirmed, an electronic note corresponding to changes is sent to the electronic note user site.

Abstract: When an operator inputs a login ID of a member and a password thereof using, a terminal and they are confinned by a point server, a Web server receives an order of goods. When the operator designates the number of points for payment and issues order information, the point server assigns the points to this member according to the sum total of purchase prices. The Web sever requests a settlement server about settlement using settlement points per a part where no point is used, and the settlement server performs settlement processing. When settlement is ended, the point server determines a variation in the points of the members.

Abstract: A remitter gains access to the transfer page of server to send remitter ID, amount of remittance. The server reduces the balance of electronic money for the remitter by an amount corresponding to the amount of remittance, generates remittee ID to give electronic money corresponding to the amount of remittance to the remittee. However, since the electronic money is invalidated, validation ID for validating the electronic money is sent to the remitter. The remittee sends remittee ID to the server and confirms the reception of electronic money. After that, the remittee sends remittee ID and validation ID to the server. The server validates the electronic money by use of the validation ID.

Abstract: A terminal receives input data regarding a desired product, and sends a message including information regarding the product to a sales server. The sales server receives this message, acquires the price of the product, and sends a message including the price and a settlement server to the terminal. The terminal receives this message, accepts input data of a scratch number of a prepaid card, and sends a message including the scratch number, the price and the sales server to the settlement server. The settlement server receives this message, acquires the balance corresponding to the scratch number. If the balance is not less than the price, the settlement server updates the balance by subtracting the price from the balance, and sends a message that the settlement has been succeeded to the sales server. The sales server receives this message and provides the desired product.