PURPOSE: To enable the settlement of accounts for cashless shopping utilizing the cable terminal of a shop, cashing service or electronic shopping at home by accessing an on-line center on the side of a financial institution by utilizing any financial institution for selection on the side of a user and utilizing the cable terminal at the shop.

CONSTITUTION: The accounts of the bought merchandise of a user or cashing are settled by a cable terminal 1 connected through a cable line to a transaction financial institution center 4 for users and shops based on the financial transaction data of the user inside a memory device such as a memory card 2 connected to the cable terminal 1. Then, the amount of the transaction is transferred from the account of the transaction financial institutions of the user and whether it is possible to settle the accounts or not is judged based on the new remainder of that account. When it is judged that the settlement of accounts is enabled, the request data of paying processing at the same amount as the transaction amount of the paying processing of the user to the transaction account on the shop side at the same financial institution as the user are automatically transmitted to a center 4, and the balanced settlement of accounts of cash is performed by interlocking paying and receiving processing.