To provide a digital wallet system setting the exchange rate of the price and the points for each member store.

This digital wallet system stores the points obtained by converting a capital managed in a user capital account 101 depending on the instruction 103 of a user to a user the point account 102 preliminarily. When the user purchases merchandise or uses a service in a member store, the price is converted into points according to the exchange rate 105 set for each member store, and the quantity of those points is moved from the user point account 102 to a member store point account 104. Thus, it is possible to set the exchange rate for each member store, and to execute the enclosure of users.