To enable a payer to easily make a payment to a claimant by using an information processing terminal even for a transaction other than a network transaction.

A mobile telephone set 30 of the payer reads a code pattern in which transfer request information including at least claimant identification information and a transfer amount of money shown in a bill is coded, decodes transfer request information from the code pattern, and is connected with a payment server 10 to transmit the decoded transfer request information. The payment server 10 authenticates the payer and performs transfer processing from the account of the payer specified by the authentication to a transfer destination account according to the transfer request information.