Information and communication technology (ICT) including broadband networks, cloud computing, a variety of mobile devices, point-card systems, and “virtual coins” can induce complicated situations concerning customer management. In particular, billing management is very critical, and it is thus necessary to establish a billing-management method that can quickly adjust to changes in the environment. The first requirement is managing the relationships between services, payments, and settlements so as to assure the payment method and service provision and payment routes. Therefore, a business model design method, established from the viewpoint of service, cash flow, and settlement to strategically adjust to changes in the environment, is described herein. In addition, a procedure for managing the connection paths is proposed to efficiently construct the relationship between services, payments, and settlements.