To inform a client of the difference between a charge to be paid by a payee and a charge to be paid to a financial institution by calculating a charge corresponding to the amount of money paid when the client pays the charge, and subtracting the charge the payee pays from the amount of money paid and calculating and comparing the charge for the amount of money transferred.

When the payee pays a transfer charge (A), the transfer charge is calculated from the amount of money paid (step 102. The amount of money transferred is the about obtained by subtracting the transfer charge from the amount of money paid, so a transfer charge (B) for the amount of money transferred is calculated (step 104). Those transfer charge (A) and transfer charge (B) are compared with each other (step 106). When they are different, a difference is caused, so the occurrence of the difference is reported and a charge management table is updated (step 108). Then transfer request data is sent out to the financial institution through a public telephone network.