To develop an effective customer gathering system technology, since it is most pressing problem for IT financial business to gather customers and for retail business, using IT as well, to develop technology regarding method of acquiring users in the future.

Among business models based on the invention of automatic transfer of a total amount from a user ordinary deposit account (9) in internet banking (8) that a bank (7) manages in a system to a user's saving deposit account (10) as a user makes virtual purchase of items needed to virtually raise (3) an electronic pet on a screen, a model which enables account settlement at a virtual retailer store (11), etc., and pays some of it back to the user's saving deposit account provides a batch user-acquiring means for not only the IT financing system, but also retailing business using IT.