the monthly sum system and the variety of services such as distributing video contents music contents etc the service providing system 4 which provides the security service is exemplified by service provider servers administered by e g symantec corp and trendmicro corp subsequently the credit reference system 5 will be described the credit reference system 5 is a server computer constructed of a cpu a storage device etc and executes an electronic settlement process through the communications via the communication network 2 to be specific the credit reference system 5 collates the electronic settlement information e g a name and a price of the purchased commercial article and the expiration date and a personal identification number of the credit card transmitted from the service provider server 1 with customer information e g a name and an address of the customer and a maximum available amount and a maximum loan amount of the credit card accumulated in the credit reference system 5 itself the credit reference system 5 if the electronic settlement information transmitted from the service provider server 1 is coincident with the customer information accumulated in the self system 5 and meets an approval standard for the electronic settlement transmits information purporting the approval of the electronic settlement to the service provider server 1 the credit reference system 5 is exemplified by e g credit reference servers administered by visa corp and master card corp fig2 and 3 are flowcharts each showing a processing flow of the service provider server 1 according to the present embodiment the processing flow of the service provider server 1 will herein after be described with reference to the flowcharts.