Disclosed are a system and a method for accumulating, as funds for individual annuities for each customer, points acquired as a result of goods purchased at participating stores by customers who have concluded contracts to make payments by credit card. A system management computer (1) can communicate with terminals (4) of participating stores and comprises a contract holder information database that stores attributes of contract holders, a participating store information database that stores attributes of the participating stores and participating store point reduction rates, and an annuity-conversion point information database that stores information pertaining to funds for individual saved annuities. The computer also comprises a means for receiving purchase information that includes the IDs of the contract holder who purchased the goods and of the participating store along with the purchase price from a terminal (4) of a participating store, a means for calculating the participating store points by multiplying the purchase price with the point reduction rate for said participating store, and a means for adding said calculated participating store points to the annuity-conversion point total that is stored in the annuity-conversion point information database associated with the ID of said contract holder and updating the annuity-converted point total.