The stock bank system includes a unit which transfers a fund from a user's account to the account in the stock bank, with regard to a preliminary payment on account for a debt, and holds the fund as the preliminary payment on account for the debt, when there is an instruction from the user of the preliminary payment on account for the debt from the user's account. Moreover, there is provided a unit which notifies a business friend of the completion of the preliminary payment on account for the debt, when the transfer is carried out, and deducts the amount of preliminary payment when an acknowledgement of the preliminary payment is obtained from the business friend, or on the due date.
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