To provide a payment system, user terminal management server, and receiving agency server, which perform personal identification while protecting personal information.

In a payment system 100, a mobile phone management server 20 transmits a hash value created from the personal information of a user or payer to the receiving agency server 30. The receiving agency server 30 has previously a hash value storage DB and a request DB for respectively storing the hash value and request information for every user. When receiving the hash value from the mobile phone management server 20, the server specifies a user corresponding to the hash value by referring to the hash value storage DB, and acquires a sum charged on the user specified via the request DB, which is transmitted to a mobile phone 10.