confirms and approves the charge request data prepares initial cost data and carries out account processing then overall transfer data is transmitted to the financial organization and the fund is supplied transfer deposit 7 then a slip is sent to the paying organization to collate and check the data with the transfer notice 8 next description will be given on concrete arrangement examples of data structure referring to fig3 to fig7 the format of the charge request data 6 which the receiving processing unit 13 receives from the financial organization comprises for example as shown in fig3 a a header record a data record a trailer record and an end record and there are a plurality of data between the header record and the trailer record and these constitute one data group a plurality of data groups continue further and these are completed with an end record as shown in fig3 b the header record comprises information of accounts of the subsequent data groups more concretely it comprises for example type code day of transfer from to bank code bank name branch office code branch office name type of deposit account number account name etc the data record comprises various types of information such as day of transfer requesting organization paying organization and amount of transfer more concretely it comprises for example day of transfer charge code receiving organization code receiving organization name amount of transfer customer number etc the trailer record.