To perform settlement processing with simple and same operations using a user terminal not based on kinds of invoice, and kinds of financial institution which performs settlement and receiving services.
A portable terminal 100 with a camera takes a photograph of an invoice, and when image data of bar code is contained in the photographed image data, the image data of this bar codes is converted into a character code, and when not contained, the image data of the character in photographed image data is converted into the character code and transmitted to a settlement intermediary device 200. The settlement intermediary device 200 keeps invoice data including the information to identify billing and the information used for instruction of settlement processing, and identifies the invoice data by the character code received from the portable terminal 100. Then, it reads the information to be used for instruction of settlement processing from specified invoice data, generates invoice data, and transmits it to a financial institution device 300. The financial institution device 300 performs settlement processing based on the settlement instruction data.
YOKOTA NAOYUKI
Tadashi Takahashi
Yasuhiko Murayama
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