To eliminate the charging for commission required at the time of sending a price and receiving merchandise and to simplify and accelerate transactions and payment in the transactions of the merchandise and digital contents, etc., in Internet shopping and face-to-face sales.

Among the three parties of a financial institution 3, a customer 1 and a merchandise seller 2, in the case that the customer 1 specifies the financial institution 3 of a payment destination at the time of paying the merchandise charge of the merchandise seller 2 from a browser, the financial institution 3 connects a customer identification management data base to the order receiving information data of the merchandise seller 2, an input image is displayed at the browser of the customer, his/her account number and password are inputted and thus, communication among the three parties of the customer 1, the merchandise seller 2 and the financial institution 3 is established and a commercial transaction and charge payment are performed. The information of the customer and the seller information of the merchandise seller 2 are displayed without inputting them and the customer 1 pays the charge. Also, points are added corresponding to a payment amount and are cumulatively recorded. The transfer commission of the customer 1 is charged to the merchandise seller 2.