To execute automatic transfer processing under a 24 hour activating environment.

A reservation processing part 1 retrieves and updates ledger data 5 for managing the balance and state of accounts based on date data 4 for managing automatic transfer data (transfer date or transfer sum for the accounts), and prepares reserved itemized data 6 for managing reserved information when the execution of the reservation processing of automatic transfer is possible, automatic collection data 7 for managing re-processing information when the execution of the reservation processing of automatic transfer is impossible, and result data 8 for managing the transferred result information of all items. An automatic collection processing part 2 corrects the reserved itemized data 6, the automatic collection data 7, and the result data 8 based on an account key 10 generated from the money paying and receiving transaction of on-line transaction. A verification processing part 3 verifies the result of the transfer processing from the reserved balance of the ledger data 5 and the reserved itemized data 6 on the appointed transfer data, and prepares verified itemized data 11.