To provide a payment approval system and a credit utilization approval system in which propriety determination is made for a payment request and a credit utilization request based on the control information of payment or credit utilization set by a formal user and illegal utilization is prevented.

Utilization control information for limiting the payment from a prescribed account and the credit utilization as needed is set, and in the case that the utilization control information is set to the contents of denying the payment and the credit utilization, the approval processing of the payment from the account and a credit utilization approval processing are not performed unless authentication as the formal user is performed by user authentication information. Thus, the utilization control information is set to the contents of denying the payment and the credit utilization, illegal payment and credit utilization by others during the period from accident occurrence through the recognition of the fact to reporting to a financial institution and a credit company and utilization stoppage are surely prevented and safety in the payment and the credit utilization is substantially improved.