PROBLEM TO BE SOLVED: To provide a technology for selecting a credit brand which is optimal to a user instead of the user by comparing accessory services from among a plurality of types of credit brands for making it possible to use a credit settlement service with a settlement means (portable terminal or IC card) carried by the user.;SOLUTION: This system 100 is configured of a decision device 300 equipped with an optimal brand decision part 351 for comparing the provision levels of accessory service content to be provided by each credit brand under a contract by an affiliated store for every affiliated store, and for deciding the credit brand providing the accessory service content whose provision level is a prescribed value or more as the optimal brand candidate, and for storing it in a final decision result table and an optimal brand information output part 353 for reading the information of the optimal brand candidate from a final decision result table, and for outputting it to a settlement means and a settlement means 200 equipped with a settlement processing part 260 for receiving the optimal brand candidate information from the decision device 300, and for reading a corresponding credit settlement application from the storage device to start the application, and for executing the processing of a credit settlement service with the settlement terminal of the affiliated store.;COPYRIGHT: (C)2008,JPO&INPIT
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