To solve problems in shopping by using a credit card wherein a receipt or the like issued from a company side sometimes gets lost or thrown away, one loses track of the amount, an amount to be paid on a payment date exceeds one's budget, and one has trouble in paying the amount.

The gift certificate is issued by an issuing system for the gift certificate in a settlement company with a number described for the purpose of distinguishing a credit card member. Gift certificates of a predetermined amount are sent every month. When the sent gift certificates are used in a company, they are presented along with the credit card. The company side reads the number by a gift certificate reading system, and it sends data of the number by using the Internet, a telephone line or other communication systems. The settlement company receives the sent number data, it collates the number data with a member information database and a gift certificate database, it carries out settlement of the gift certificate, and the amount is transferred from an account of the member.