Abstract:
It is an object of the present invention to prevent illegal use of a terminal device, and to enhance security of the terminal device itself. Features of the present invention are: to store identification information for collation; to receive identification information for identifying an external communication terminal, which is transmitted from the external communication terminal; to collate the received identification with the stored identification information for collation so as to judge whether or not the received identification information is transmitted from an authorized communication terminal; to set a predetermined function from an execution-disabled state to an execution-enabled state when it is judged by the judgment that the received identification information is transmitted from the authorized communication terminal; and to allow the terminal device to execute the predetermined function.

Description:
BACKGROUND OF THE INVENTION 
     1. Field of the Invention 
     The present invention relates to a terminal device. 
     2. Description of Related Art 
     Heretofore, in a variety of industrial fields, an information communication system that connects an upper-level information processing terminal and a lower-level information processing terminal to each other through a network and communicates information therebetween has been developed and utilized. In such information communication system, to ensure security thereof in operation and to strengthen a management scheme thereof against an unauthorized operation have become important subjects. 
     For example, in an information communication system (payment system) that makes purchase/payment by using credit cards, IC cards, or the like (hereinafter, referred to as payment cards), there has been a possibility that the payment cards may be used illegally when the payment cards are passed to a third party by being lost, stolen, and so on. Therefore, a variety of measures for enhancing the security of the system have been heretofore proposed. For example, there has been proposed a technology for delivering a call from a payment processing apparatus to a cellular phone of each card owner, and performing authentication of the card owner and payment of an article desired to be purchased thereby based on personal identification number inputted from the cellular phone that has received the call (for example, see Japanese Patent Application Publication Laid-open No. 2001-306987A). Moreover, there has been proposed a technology for associating the card for payment (payment card) and a mobile terminal with each other, and performing the authentication for confirming the identity of the card owner based on a position of the mobile terminal and a place of a terminal (the payment processing apparatus) in which the payment card is used (for example, see Japanese Patent Application Publication Laid-open No. 2005-216210A). 
     However, the technology in Japanese Patent Application Publication Laid-open No. 2001-306987A is the one to determine whether or not the payment is possible between the payment processing apparatus and each cellular phone of the user. Consequently, for each payment processing apparatus for use, it is necessary to perform the authentication for the cellular phones of the users, and there is a problem that the technology lacks convenience. 
     Moreover, since the technology cannot restrict functions inherent in the payment card, there is a possibility that information (for example, the personal identification number, and the like) stored in the card may be read or tampered. 
     SUMMARY OF THE INVENTION 
     It is an object of the present invention to prevent illegal use of the terminal device, and to enhance the security of the terminal device itself. 
     In accordance with a first aspect of the invention, a terminal device includes: an identification information storage section to store identification information for collation; a reception section to receive identification information for identifying an external communication terminal, the identification information being transmitted from the external communication terminal; a judgment section to collate the identification information received from the reception section with the identification information for collation stored in the identification information storage section, so as to judge whether or not the received identification information is transmitted from the authorized communication terminal; a setting section to set a predetermined function of the terminal device from an execution-disabled state to an execution-enabled state when the judgment section judges that the received identification information is transmitted from the authorized communication terminal; and a control section to allow the terminal device to execute the function set in the execution-enabled state by the setting section. 
     According to the present invention, only when it is judged that the communication is made from the authorized communication terminal, the predetermined function of the terminal device itself can be executed. Accordingly, the illegal use of the terminal device can be prevented, and the security of the terminal device itself can be enhanced. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       The aforesaid and further objects, features and advantages of the present invention will become more apparent from the following detailed description when read in conjunction with the accompanying drawings, in which: 
         FIG. 1  is a view showing a composition of a payment system; 
         FIG. 2  is a view showing an exterior appearance of a payment card; 
         FIG. 3  is a block diagram showing an internal configuration of the payment card; 
         FIG. 4  is a view showing an example of management-use identification information stored in a ROM of the payment card; 
         FIG. 5  is a view showing an example of a variety of parameters stored temporarily in a RAM of the payment card; 
         FIG. 6  is a view showing an example of a setting information management table stored in a storage section of the payment card; 
         FIG. 7  is a block diagram showing an internal configuration of a communication terminal; 
         FIG. 8  is a block diagram showing an internal configuration of a payment processing apparatus; 
         FIG. 9  is a flowchart showing a flow of processing when the payment card receives a call; 
         FIG. 10  is a flowchart showing the flow of the processing when the payment card receives the call; 
         FIG. 11  is a flowchart showing a procedure of user terminal identification information registration processing; 
         FIG. 12A  is views showing relationships between DTMF signals transmitted from the communication terminal and display screens displayed on a display section of the payment card when the user terminal identification information registration processing is executed; 
         FIG. 12B  is views showing relationships between DTMF signals transmitted from the communication terminal and display screens displayed on a display section of the payment card when the user terminal identification information registration processing is executed; 
         FIG. 12C  is views showing relationships between DTMF signals transmitted from the communication terminal and display screens displayed on a display section of the payment card when the user terminal identification information registration processing is executed; 
         FIG. 12D  is views showing relationships between DTMF signals transmitted from the communication terminal and display screens displayed on a display section of the payment card when the user terminal identification information registration processing is executed; 
         FIG. 12E  is views showing relationships between DTMF signals transmitted from the communication terminal and display screens displayed on a display section of the payment card when the user terminal identification information registration processing is executed; 
         FIG. 12F  is views showing relationships between DTMF signals transmitted from the communication terminal and display screens displayed on a display section of the payment card when the user terminal identification information registration processing is executed; 
         FIG. 12G  is views showing relationships between DTMF signals transmitted from the communication terminal and display screens displayed on a display section of the payment card when the user terminal identification information registration processing is executed; 
         FIG. 12H  is views showing relationships between DTMF signals transmitted from the communication terminal and display screens displayed on a display section of the payment card when the user terminal identification information registration processing is executed; 
         FIG. 12I  is views showing relationships between DTMF signals transmitted from the communication terminal and display screens displayed on a display section of the payment card when the user terminal identification information registration processing is executed; 
         FIG. 12J  is views showing relationships between DTMF signals transmitted from the communication terminal and display screens displayed on a display section of the payment card when the user terminal identification information registration processing is executed; 
         FIG. 13  is a ladder chart showing a procedure of payment processing; 
         FIG. 14A  is views showing relationships between the DTMF signals transmitted from the communication terminal and display screens displayed on the display section of the payment card when processing related to a change of a payment limit amount is executed; 
         FIG. 14B  is views showing relationships between the DTMF signals transmitted from the communication terminal and display screens displayed on the display section of the payment card when processing related to a change of a payment limit amount is executed; 
         FIG. 14C  is views showing relationships between the DTMF signals transmitted from the communication terminal and display screens displayed on the display section of the payment card when processing related to a change of a payment limit amount is executed; 
         FIG. 14D  is views showing relationships between the DTMF signals transmitted from the communication terminal and display screens displayed on the display section of the payment card when processing related to a change of a payment limit amount is executed; 
         FIG. 14E  is views showing relationships between the DTMF signals transmitted from the communication terminal and display screens displayed on the display section of the payment card when processing related to a change of a payment limit amount is executed; 
         FIG. 14F  is views showing relationships between the DTMF signals transmitted from the communication terminal and display screens displayed on the display section of the payment card when processing related to a change of a payment limit amount is executed; 
         FIG. 14G  is views showing relationships between the DTMF signals transmitted from the communication terminal and display screens displayed on the display section of the payment card when processing related to a change of a payment limit amount is executed; 
         FIG. 14H  is views showing relationships between the DTMF signals transmitted from the communication terminal and display screens displayed on the display section of the payment card when processing related to a change of a payment limit amount is executed; 
         FIG. 14I  is views showing relationships between the DTMF signals transmitted from the communication terminal and display screens displayed on the display section of the payment card when processing related to a change of a payment limit amount is executed; and 
         FIG. 14J  is views showing relationships between the DTMF signals transmitted from the communication terminal and display screens displayed on the display section of the payment card when processing related to a change of a payment limit amount is executed. 
     
    
    
     DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS 
     An embodiment of the present invention will be described below in detail with reference to the drawings. In this embodiment, an example is shown, where a terminal device of the present invention is applied to a payment card, such as a credit card and an IC card, for use in electronic payment. However, the embodiment is not limited to this example. 
     First, a composition of a payment system  100  in this embodiment will be described with reference to  FIG. 1 . As shown in  FIG. 1 , the payment system  100  is composed of a payment card  10 , a communication terminal  20 , a payment processing apparatus  30 , a card company server  40 , and the like, and the payment processing apparatus  30  is connected to the card company server  40  through a network N. Note that the number and quantities of the respective instruments which compose the payment system  100  are not limited to those of the illustrated example. 
     The payment card  10  as the terminal device is the credit card, the IC card, or the like, which is distributed to each user utilizing the payment system  100 , and it is possible for the user to make purchase/payment by using the payment card  10 . 
       FIG. 2  is a view showing an exterior appearance of the payment card  10 . As shown in  FIG. 2 , the payment card  10  is composed of a card-shaped casing portable by the user, and an internal configuration (of the terminal device) shown in  FIG. 3  is housed in the casing. The card-shaped casing is formed into a rectangular shape, and as an example of a size thereof, the casing is formed to have a size of the credit card, in which a length of a long side is 85 mm, a length of a short side is 55 mm, and a thickness is 1 mm. Note that the size of the casing formed into the card shape is not limited to the above-described size. As shown in  FIG. 2 , a display section  12  is provided on an upper surface of the payment card  10 . Moreover, on the display section  12 , a mark (identification symbol)  120  to be described later is displayed together with a variety of information. 
       FIG. 3  is a block diagram showing the internal configuration of the payment card  10 . As shown in  FIG. 3 , the payment card  10  is composed of a CPU  11 , the display section  12 , a ROM  13 , a RAM  14 , a storage section  15 , a timer section  16 , a communication section  17 , an interface (I/F) section  18 , and the like, and the respective sections are interconnected through a bus  19 . 
     By using the RAM  14  as a work area, the CPU  11  executes a variety of processing in cooperation with a variety of programs prestored in the ROM  13 , and controls operations of the respective sections composing the payment card  10  in a centralized manner. 
     The display section  12  is composed of a liquid crystal display (LCD) or electro luminescence display (ELD) panel, a display driver, and the like, and displays the variety of information based on a display signal from the CPU  11 . Note that the mark  120  (see  FIG. 2 ) displayed on the display section  12  is an identification symbol or an icon, which indicates whether the payment card  10  is in a payment-disabled state or a payment-enabled state. The display state of the mark  120  is switchable in response to a state of a payment flag to be described later. 
     The ROM  13  stores the programs necessary for the operation of the payment card  10 , and data related to execution of the programs. As shown in  FIG. 3 , the ROM  13  stores a system program  131 , guidance data  132 , management terminal identification information  133 , and the like. 
     The system program  131  is a program for allowing the CPU  11  to realize various basic functions of the payment card  10 . In cooperation with the system program  131 , the CPU  11  realizes, for example, a read/write control of a variety of setting information for the storage section  15 , a display output control to the display section  12 , a communication control by the communication section  17  and the I/F section  18  for an external device, and the like. 
     The guidance data  132  is information for explaining, to the user, an operation method and the like, which are related to the payment card  10 . For example, as the guidance data  132 , there are stored audio data, video data (including a still image), text data, and the like, which instruct the user about the operation method. Note that, in this embodiment, the guidance data  132  is the audio data. The CPU  11  reads out the guidance data  132 , and transmits the guidance data as an audio signal to the communication terminal  20  through the communication section  17 , thereby providing a guidance by voice (hereinafter, referred to as an audio guidance) through the communication terminal  20  to the user. 
     In the management terminal identification information  133 , there are preregistered a telephone number, address information, and the like of the management-use communication terminal  20  connected to the payment card  10  through the communication section  17  in user terminal identification information registration processing (see  FIG. 11 ) to be described later. Here, the management-use communication terminal  20  is a communication terminal, such as a PC and a mobile communication terminal, that belongs to a carrier or the like who issues/manages the payment card  10 , and is a device capable of registering a telephone number of an owner thereof in a credit information management table  151  to be described later. Moreover, the address information is intrinsic information pregiven to the communication terminal  20 , and for example, includes a manufacturing number, a serial number, an IP address, a MAC address, a Bluetooth address, a Bluetooth clock, and the like, which are unique to each instrument. 
       FIG. 4  is a view showing an example of the management terminal identification information  133  stored in the ROM  13 . Note that  FIG. 4  shows an example where the telephone number (0123456789) of the management-use communication terminal  20  is registered as the management terminal identification information  133 . 
     The CPU  11  uses the management terminal identification information  133  as collation-use terminal identification information, and collates the collation-use terminal identification information with terminal identification information inputted from the outside through the communication section  17 , thereby judges whether or not the transmission (communication) has been made from the authorized communication terminal  20  corresponding to the management terminal identification information, that is, from the management-use communication terminal  20 . 
     The RAM  14  becomes a temporal storage area for the programs, input or output data, parameters, and the like, which are read out from the ROM  13 , in the variety of processing executed/controlled by the CPU  11 . 
       FIG. 5  is a view showing an example of a variety of the parameters stored temporarily in the RAM  14  in each processing to be described later. As shown in  FIG. 5 , in the RAM  14 , there are temporarily stored the payment flag (ON/OFF) that sets whether or not a current state is the payment-enabled state, a payment timer ( 600 ) that shows a time during which payment processing is permitted, a KIN (key in) timer ( 60 ) that shows a key-input standby time for the variety of information, a payment limit amount register that sequentially stores inputted payment limit amounts, a user terminal identification information register that sequentially stores the inputted user terminal identification information, and the like. Note that, in this embodiment, a state of the payment flag at a usual (default) time is set to be (OFF) that shows the payment-disabled state. 
     The storage section  15  includes a non-volatile recording medium composed of a magnetic recording medium or a semiconductor memory, and stores the credit information management table  151  in which a variety of setting contents related to the electronic payment are registered in the recording medium. 
       FIG. 6  is a view showing an example of the variety of setting contents registered in the credit information management table  151 . As shown in  FIG. 6 , in the credit information management table  151 , there are registered a card number (XXXX-XXXX-XXXX-XXXX) unique to the payment card  10 , a valid term (XX/XX) of the payment card  10 , an owner name (user name) (XXXXXXX XXXXXXX) of the payment card  10 , the user terminal identification information (for example, 09012345678) of the communication terminal (cellular phone) held by the owner of the payment card  10 , a utilization limit amount (for example, 1000$), and the like. 
     In the user terminal identification information, there is registered the terminal identification information unique to the communication terminal  20 , such as the telephone number and address information of the communication terminal  20  that makes a pair with the payment card  10  of the user&#39;s own, that is, the communication terminal  20  (cellular phone) held by the user (card owner) who owns the payment card  10 . Here, the address information includes the IP address, the MAC address, the Bluetooth address, the Bluetooth clock, and the like, which are pregiven to the communication terminal  20 . Note that  FIG. 6  shows an example where the telephone number of the communication terminal  20  is registered as the user terminal identification information. 
     The CPU  11  uses, as the collation-use terminal identification information, the user terminal identification information registered in the credit information management table  151 . Then, the CPU  11  collates the collation-use terminal identification information with the terminal identification information inputted from the outside through the communication section  17 , thereby judges whether or not the transmission (communication) is made from the authorized communication terminal  20  corresponding to the user terminal identification information, that is, from the communication terminal  20  of the user who holds the payment card  10 . 
     Moreover, in cooperation with the above-described system program  131 , the CPU  11  reads out, as credit information, the card number, the valid tem, the user name, and the utilization limit amount, which are unique to the payment card  10 , from among the variety of setting information registered in the credit information management table  151 , and transmits the credit information to the payment processing apparatus  30  connected to the payment card  10  trough the interface (I/F) section  18 , thus making it possible to make the purchase/payment. 
     The timer section  16  counts a time by taking as a reference a clock signal by a crystal oscillator (not shown) that always transmits a constant frequency, and outputs the counted time to the CPU  11 . 
     The communication section  17  includes an antenna (not shown). The communication section  17  detects arrival of the call from the communication terminal  20  connected to the payment card  10  through a public telephone switching network, thereby establishes a communication with the communication terminal  20 , receives a DTMF signal transmitted from the communication terminal  20 , and outputs the received DTMF signal to the CPU  11 . Moreover, the communication section  17  modulates the guidance data, which is read out from the ROM  13  by the CPU  11 , into an audio signal, and transmits the audio signal to the communication terminal  20  communicably connected to the payment card  10 . 
     Note that, as a radio signal modulation/demodulation method of the communication  17 , for example, the phase shift keying (PSK) method, the personal digital cellular (PDC) method, the code division multiple access (CDMA) method, the global system for mobile communication (GMS) method, and the like can be used. 
     The interface (I/F) section  18  is a communication interface that performs a communication control for the variety of information transmitted between the payment card  10  and the payment processing apparatus  30  under the control of the CPU  11 . As the I/F section  18 , for example, there are mentioned a serial input/output terminal including a universal serial bus (USB) port and an RS-232C terminal, an infrared communication device in conformity with the Infrared Data Association (IrDA) standard, a wireless communication device in conformity with the Radio Frequency Identification System (RFID) standard, and the like. The I/F section  18  is connectable to an I/F section  36  of the payment processing apparatus  30  by wired communication means or wireless communication means. Specifically, the payment card  10  receives, through the I/F section  18 , a request signal for requesting the credit information from the payment processing apparatus  30 , and transmits, to the payment processing apparatus  30 , the credit information read out from the credit information management table  151  by the CPU  11  in response to the request signal. 
     The communication terminal  20  is an information processing device such as the cellular phone, a PDA, and personal computer (PC). A call is originated from the communication terminal  20  to the payment card  10 , specifically, the communication terminal  20  connects to the payment card  10 , thus making it possible to activate predetermined functions of the payment card  10 . 
       FIG. 7  is a block diagram showing an internal configuration of the communication terminal  20 . As shown in  FIG. 7 , the communication terminal  20  is composed of a CPU  21 , an operation section  22 , a display section  23 , a storage section  24 , a RAM  25 , an audio input/output section  26 , a communication section  27 , and the like, and the respective sections are interconnected through a bus  28 . 
     By using the RAM  25  as a work area, the CPU  21  executes a variety of processing in cooperation with a variety of programs prestored in the storage section  24 , and controls operations of the respective sections composing the communication terminal  20  in a centralized manner. 
     The operation section  22  includes a variety of input keys, and the like, and outputs, to the CPU  21 , an input signal inputted by the operation of the user. The display section  23  is composed of an LCD or ELD panel, a display driver, and the like, and displays the variety of information based on a display signal from the CPU  21 . Moreover, the display section  23  may adopt a mode of composing a touch panel integrally with the operation section  22 . 
     The storage section  24  includes a non-volatile recording medium composed of a magnetic or optical recording medium or a semiconductor memory, and stores programs necessary for an operation of the communication terminal  20 , and data related to execution of the programs. Moreover, the storage section  24  stores self-terminal identification information  241  as shown in  FIG. 7 . 
     Here, the self-terminal identification information  241  is identification information unique to the communication terminal  20 , and for example, the telephone number, the manufacturing number, and the like, which are given to the communication terminal  20 , are stored as the self-terminal identification information  241 . In the case of originating a call through the communication section  27 , the CPU  21  reads out the self-terminal identification information  241  from the storage section  24 , and sends out this self-terminal identification information  241  as the terminal identification information to the device (payment card  10  or the like) on the call-receiving side, thereby notifies the device on the call-receiving side of the self-terminal identification information  241  of the self communication terminal  20 . Note that, in this embodiment, the telephone number pregiven to the self communication terminal  20  is stored as the self-terminal identification information  241 . 
     The RAM  25  becomes a temporal storage area for the programs, input or output data, parameters, and the like, which are read out from the storage section  24 , in the variety of processing executed/controlled by the CPU  21 . 
     The audio input/output section  26  is composed of an audio processing section, a speaker, a microphone (any of which is not shown), and the like. Under the control of the CPU  21 , the audio input/output section  26  modulates voice collected by the microphone into an audio signal by the audio processing section, and outputs the audio signal through the communication section  27  to the external device communicably connected to this communication terminal  20 . Moreover, under the control of the CPU  21 , the audio input/output section  26  demodulates an audio signal, which is received from the payment card  10  through the communication section  27 , by the audio processing section, and outputs the demodulated audio signal from the speaker. 
     Moreover, under the control of the CPU  21 , the audio input/output section  26  outputs, from the speaker, a DTMF sound (push sound) corresponding to a button operated through the operation section  22 , and outputs a DTMF signal corresponding to the DTMF sound through the communication section  27  to the device (payment card  10  or the like) communicably connected to this communication terminal  20 . 
     The communication section  27  includes an antenna (not shown). The communication section  27  detects origination of the call to the external device (payment card  10  or the like) connected thereto through the public telephone switching network or arrival of the call from the external device, thereby establishes a communication with the external device, and transmits the audio signal and the DTMF signal, which are inputted from the audio input/output section  26 , to the external device. Moreover, the communication section  27  receives an audio signal or the like, which is transmitted from the external device communicably connected to this communication terminal  20 , and outputs the audio signal or the like to the audio input/output section  26 . 
     Note that, as a radio signal modulation/demodulation method of the communication section  27 , for example, as in the above-described communication section  17 , the PSK method, the PDC method, the CDMA method, the GMS method, and the like can be used. 
     The payment processing apparatus  30  is a point of sale (POS) terminal, a payment terminal, an electronic cash register (ECR), or the like, which is installed in a retail store, a shop, a convenience store, or the like, and has a payment function. Based on the credit information received from the payment card  10  through the I/F section  18  to be described later, the payment processing apparatus  30  inquires the card company server  40  about a credit limit of the user of the payment card  10 , which is related to the credit information, and performs the payment processing based on a result (Yes/No) of the inquiry for the credit limit. 
       FIG. 8  is a block diagram showing an internal configuration of the payment processing apparatus  30 . As shown in  FIG. 8 , the payment processing apparatus  30  is composed of a CPU  31 , an operation section  32 , a display section  33 , a storage section  34 , a RAM  35 , an interface (I/F) section  36 , a dedicated communication section  37 , a printing section  38 , and the like, and the respective sections are interconnected through a bus  39 . 
     By using the RAM  35  as a work area, the CPU  31  executes a variety of processing in cooperation with a variety of programs prestored in the storage section  34 , and controls operations of the respective sections composing the payment processing apparatus  30  in a centralized manner. 
     The operation section  32  includes a variety of input keys, and the like, and outputs, to the CPU  31 , an input signal inputted by the operation of the user. The display section  33  is composed of an LCD or ELD panel, a display driver, and the like, and displays the variety of information based on a display signal from the CPU  31 . Moreover, the display section  33  may adopt a mode of composing a touch panel integrally with the operation section  32 . 
     The storage section  34  includes a non-volatile recording medium composed of a magnetic or optical recording medium or a semiconductor memory, and stores programs necessary for an operation of the payment processing apparatus  30 , and data related to execution of the programs. 
     The RAM  35  becomes a temporal storage area for the programs, input or output data, parameters, and the like, which are read out from the storage section  24 , in the variety of processing executed/controlled by the CPU  31 . 
     The interface (I/F) section  36  is a communication interface that performs a communication control for the variety of information transmitted between the payment processing apparatus  30  and the payment card  10  under the control of the CPU  31 . As the I/F section  36 , for example, there are mentioned the serial input/output terminal including the USB port and the RS-232C terminal, the infrared communication device in conformity with the IrDA standard, the wireless communication device in conformity with the RFID standard, and the like. The I/F section  36  is connectable to the I/F section  18  of the payment card  10  by the wired communication means or the wireless communication means. Specifically, the payment processing apparatus  30  receives, through the I/F section  36 , a request signal for requesting the credit information from the payment card  10 , and receives the credit information transmitted from the payment card  10  in response to the request signal. 
     The dedicated communication section  37  is a network interface such as a modulator/demodulator (MODEM), a terminal adapter, and a LAN adapter. Under the control of the CPU  31 , the dedicated communication section  37  performs a communication control for the variety of information transmitted between this payment processing apparatus  30  and the card company server  40  connected thereto through the network N. Note that, though no particular limitations are imposed on data communication protocol between the payment processing apparatus  30  and the card company server  40 , it is preferable to use protocol considering security, for example, such as TLS/SSL, S/MIME, and IPsec. Moreover, unique protocol may be used. 
     The printing section  38  is a printing device of an inkjet type, a laser type, a thermal transfer type, a dot impact type, or the like. Under the control of the CPU  31 , the printing section  38  prints a sales slip on a recording medium such as a recording sheet. 
     The card company server  40  is a server belonging to a card company that provides the payment card  10  and a payment service using the payment card  10 . This card company server  40  is an information processing apparatus including a CPU, a ROM, a RAM, and the like, and is communicably connected to the payment processing apparatus  30  through the network N. Moreover, the card company server  40  includes database means (storage device) in which the credit information stored in the storage section  15  of the payment card  10 , user information (information on address, age, gender, financial institution for use, and the like) of the user related to the credit information, a history information recording the past utilization history of the user, and the like are registered in association with one another for each payment card  10  distributed to each user. 
     Upon receiving the credit information from the payment processing apparatus  30 , the CPU of the card company server  40  refers to the database means, retrieves the credit information, the user information, the history information, and the like, which are associated with the received credit information, and reads out the information that applies to the received credit information. Then, the CPU decides a credit limit state (Yes/No) of the user based on these pieces of information, and transmits the credit limit information to the payment processing apparatus  30 . The payment processing apparatus  30  that has received the credit limit information judges whether or not the payment card  10  is usable based on the credit limit information. 
     Moreover, upon receiving sales amount information to be described later from the payment processing apparatus  30 , the CPU of the card company server  40  makes money transfer with the financial institution used by the user, which is associated with the credit information, based on a sales amount instructed by the sales amount information. Then, the CPU additionally records a history of this transaction to the history information. 
     Next, the operation of the payment card  10  will be described with reference to  FIGS. 9 to 14 . 
       FIG. 9  and  FIG. 10  are flowcharts showing a flow of the processing when the payment card  10  receives the call. Note that this processing shows processing executed by cooperation between the CPU  11  and the variety of programs stored in the ROM  13 . 
     First, it is judged whether or not the arrival of the call from the communication terminal  20  is detected (Step S 11 ). Here, when it is judged that the arrival of the call is not detected (Step S 11 : No), this processing is immediately ended. Meanwhile, when it is judged that the arrival of the call is detected (Step S 11 : Yes), the terminal identification information (telephone number) sent out from the communication terminal  20  on the call origination side and the management terminal identification information  133  stored in the ROM  13  are collated with each other (Step S 12 ). 
     Here, when it is judged that the terminal identification information and the management terminal identification information  133  coincide with each other (Step S 12 : Yes), the processing proceeds to the user terminal identification information registration processing of Step S 13 . The user terminal identification information registration processing of Step S 13  will be described with reference to  FIG. 11 . 
       FIG. 11  is a flowchart showing a procedure of the user terminal identification information registration processing. 
     First, the communication terminal identification information of the communication terminal  20  is displayed on the display section  12  (Step S 1301 ), the user terminal identification information register of the RAM  14  is initialized to “0 (null)” (Step S 1302 ). Subsequently, the guidance data  132  stored in the ROM  13  is read out, and an audio signal to the effect that the operation related to the registration of the user terminal identification information will be explained is transmitted through the communication section  17  to the communication terminal  20  on the call origination side (Step S 1303 ). 
     In the communication terminal  20  that has received the audio signal, the operation in accordance with the audio guidance outputted based on the audio signal is performed by the user through the operation section  22 , and the input signal (DTMF signal) corresponding to this operation is transmitted through the communication section  27  to the payment card  10 . 
     Here, when a DTMF signal (for example, DTMF signal corresponding to a character code “*”) instructing start of the registration of the user terminal identification information is inputted through the communication section  17  (Step S 1304 ), the communication terminal identification information displayed on the display section  12  is erased (Step S 1305 ), and a predetermined value is set in the KIN timer of the RAM  14 , which defines an input standby time for the DTMF signal (Step S 1306 ). Here, upon setting the time in the KIN timer, the CPU  11  counts down from the time (for example, 60 sec) set in the KIN timer to 0 based on the time period counted by the timer section  16  on a background of this processing. 
     Subsequently, it is judged whether or not a value of the KIN timer has reached “0”. When it is judged that the value of the KIN timer is equal to 0 (Step S 1307 : Yes), the processing proceeds to Step S 1316 . Meanwhile, when it is judged that the value of the KIN timer is not equal to 0 (Step S 1307 : No), it is subsequently judged whether or not the DTMF signal is inputted through the communication section  17 . When it is not confirmed that the DTMF signal is inputted (Step S 1308 : No), the processing returns to Step S 1307 . 
     Moreover, when it is judged in Step S 1308  that the DTMF signal is inputted through the communication section  17  (Step S 1308 : Yes), it is judged whether or not the character code displayed by the inputted DTMF signal is a “numeric value” (Step S 1309 ). Here, when it is judged that the character code is the “numeric value” (Step S 1309 : Yes), this character code (hereinafter, referred to as a numeric value code) is sequentially stored in the user terminal identification information register of the RAM  14  (Step S 1310 ), and the numeric valued code stored in the user terminal identification information register is read out and displayed on the display section  12  (Step S 1311 ). Then, the processing returns to Step S 1306 , and the KIN timer is set at the predetermined value one more time. 
     Meanwhile, when it is judged in Step S 1309  that the character code is other than the “numeric value” (Step S 1309 : No), the processing proceeds to Step S 1312 , where it is judged whether or not the inputted DTMF signal is a DTMF signal (for example, DTMF signal corresponding to the character code “*”) instructing end of the registration of the user terminal identification information. When it is judged that the inputted DTMF signal is not the DTMF signal to the effect that the registration of the user terminal identification information is to be ended (Step S 1312 : No), the processing returns to Step S 1306 . Note that, in this case, a character code that is not defined is transmitted from the communication terminal  20 , and accordingly, an audio signal notifying a message to that effect may be transmitted to the communication terminal  20 . 
     In Step S 1312 , when the DTMF signal instructing the end of the registration of the user terminal identification information is confirmed (Step S 1312 : Yes), the guidance data  132  stored in the ROM  13  is read out, and such numeric value code inputted until then, that is, the audio signal urging the confirmation of the user terminal identification information is transmitted to the communication terminal  20  (Step S 1313 ). 
     Here, when it is judged that a DTMF signal instructing cancellation of the user terminal identification information is inputted through the communication section  17  (Step S 1314 : No), the processing proceeds to Step S 1316 . Meanwhile, when it is judged that a DTMF signal (for example, DTMF signal corresponding to the character code “*”) instructing acceptance of the user terminal identification information is inputted through the communication section  17  (Step S 1314 : Yes), the user terminal identification information stored in the user terminal identification information register of the RAM  14  is registered in the credit information management table  151  of the storage section  15  (Step S 1315 ), and then the processing proceeds to Step S 1316 . 
     In Step S 1316 , the user terminal identification information displayed on the display section  12  is erased (Step S 1316 ), and this processing is ended. 
       FIG. 12  is views showing relationships between the DTMF signals transmitted from the communication terminal  20  and display screens displayed on the display section  12  when the above-described user terminal identification information registration processing is executed. 
     First, in Step S 1301 , the communication terminal identification information (telephone number) of the communication terminal  20  that has turned to the call origination side is displayed on the display section  12  ( FIG. 12A ). In Step S 1304  that follows, when the DTMF signal “*” instructing the start of the registration of the user terminal identification information is inputted through the communication section  17 , the user terminal identification information displayed on the display section  12  is erased ( FIG. 12B ). 
     In Steps S 1306  to S 1311 , when the DTMF signals are sequentially inputted through the communication section  17 , numeric value codes (“0”, “9”, “0”, “1” . . . “8” corresponding to these DTMF signals are sequentially displayed on the screen in order of the input in a state of being shifted to the left side of the screen ( FIG. 12C  to  FIG. 12G ). 
     In Step S 1313 , when the DTMF signal “*” instructing the end of the registration of the user terminal identification information is inputted through the communication section  17  (Step S 1312 : Yes), an input mode (Steps S 1306  to S 1311 ) of the user terminal identification information is ended ( FIG. 12H ). Then, in Step S 1314  that follows, when the DTMF signal “*” instructing the acceptance of the inputted user terminal identification information is inputted through the communication section  17  (Step S 1314 : Yes), the user terminal identification information stored in the user terminal identification information register, that is, the user terminal identification information “09012345678” displayed on the display section  12  is registered in the credit information management table  151  in Step S 1315  ( FIG. 12I ). Then, in Step S 1316 , the user terminal identification information displayed on the display section  12  is erased ( FIG. 12J ), and this processing is ended. 
     As described above, only when it is judged that the communication is made from the authorized communication terminal  20  corresponding to the management terminal identification information, that is, from the management-use communication terminal  20 , the credit information management table  151  can be allowed to execute a function (hereinafter, referred to as a user terminal identification information registration function) related to the registration of the user terminal identification information. In such a way, only the communication from the communication terminal  20  (management terminal) held by an administrator of the payment card  10  can enable the user terminal identification information registration function to be executed. Accordingly, the user terminal identification information can be prevented from being registered or rewritten from the communication terminals  20  other than the management terminal. 
     Moreover, the user terminal identification information registration function can be enabled to be realized just for the predetermined time period counted by the timer section  16 . Accordingly, the illegal use of the payment card  10  can be prevented, and the security of the payment card  10  itself can be enhanced. 
     Moreover, only the user terminal identification information inputted for the predetermined time period (time period until the KIN timer makes a time-out) is registered in the payment card  10 , and accordingly, the user terminal identification information can be prevented from being registered carelessly. In such a way, for example, even if the administrator is absent from an office during a period while registering the user terminal identification information, it is possible to automatically disable the registration of the user terminal identification information to be executed after the time-out of the KIN timer. Accordingly, the user terminal identification information can be prevented from being registered carelessly. 
     Returning to  FIG. 9 , when it is judged in Step S 12  that the terminal identification information and the management terminal identification information do not coincide with each other (Step S 12 : No), this terminal identification information and the user terminal identification information registered in the credit information management table  151  of the storage section  15  are collated with each other (Step S 14 ). Here, when it is judged that the terminal identification information and the user terminal identification information do not coincide with each other (Step S 14 : No), this processing is immediately ended. 
     Meanwhile, when it is judged in Step S 14  that the terminal identification information and the user terminal identification information coincide with each other (Step S 14 : Yes), the communication terminal identification information of the communication terminal  20  on the call origination side is displayed on the display section  12  (Step S 15 ). Then, the payment flag that sets whether or not the current state is the payment-enabled state, the payment flag being stored in the RAM  14 , is set from “OFF” indicating the payment-disabled state to “ON” indicating the payment-enabled state (Step S 16 ), and the mark  120  displayed on the display section  12  is switched in response to this state of the payment flag (Step S 17 ). 
     Subsequently, a predetermined value is set in the payment timer that shows a time during which the payment processing is permitted, the time being stored in the RAM  14  (Step S 18 ). Here, upon setting the time in the payment timer, the CPU  11  counts down from the time (for example, 600 sec) set in the payment timer to 0 based on the time period counted by the timer section  16  on a background of this processing. 
     Next, the guidance data  132  stored in the ROM  13  is read out, and an audio signal that explains that the current state is the payment-enabled state or an audio signal that explains the current state is a state of being capable of changing the payment limit amount is transmitted to the communication terminal  20  on the call origination side through the communication section  17  (Step S 19 ). 
     Subsequently, it is judged whether or not the request information from the payment processing apparatus  30  is inputted through the I/F section  18 . When the input of the request information is confirmed (Step S 20 : Yes), the processing proceeds to payment processing of Step S 21 . The payment processing of Step S 21  will be described with reference to  FIG. 13 . 
       FIG. 13  is a ladder chart showing a procedure of the payment processing. Note that, in this processing, the respective pieces of processing of Steps S 51  to S 59  represent the respective pieces of processing executed by cooperation between the CPU  11  of the payment processing apparatus  30  and the variety of programs stored in the storage section  34 . 
     First, the credit information is read out from the credit information management table  151  stored in the storage section  15  (Step S 211 ), and the credit information thus read out is transmitted through the I/F section  18  (Step S 212 ). 
     Upon receiving, through the I/F section  36 , the credit information transmitted from the payment card  10  (Step S 51 ), the payment processing apparatus  30  transmits the credit information to the card company server  40  (Step S 52 ). Then, upon receiving the credit limit information corresponding to the credit information from the card company server  40  (Step S 53 ), the payment processing apparatus  30  judges whether the use of the payment card  10  is to be permitted or the use of the payment card  10  is to be refused based on the credit limit state instructed by the credit limit information (Step S 54 ). 
     When it is judged in Step S 54  that the use of the payment card  10  is to be permitted (Step S 54 : Yes), the payment processing apparatus  30  is on standby until the sales amount related to this payment processing is inputted through the operation section  32  (Step S 55 : No). 
     When it is judged that the sales amount is inputted (Step S 55 : Yes), the sales amount information indicating the sales amount is transmitted to the card company server  40  (Step S 56 ). Then, after the sales slip on which the sales amount and the like are recorded is printed by the printing section  38  (Step S 57 ), the processing proceeds to Step S 59 . 
     Meanwhile, when it is judged in Step S 54  that the use of the payment card  10  is to be refused (Step S 54 : No), information that notifies a message to the effect that the payment card  10  is unusable is displayed on the display section  33  (Step S 58 ), and then the processing proceeds to Step S 59 . 
     In Step S 59 , indication information that indicates that the payment processing is ended is transmitted through the I/F section  36  (Step S 59 ), and the processing of the payment processing apparatus  30  is ended. 
     Meanwhile, when the payment card  10  receives, through the I/F section  18 , the indication information transmitted from the payment processing apparatus  30  (Step S 213 ), the processing of the payment card  10  proceeds to Step S 22  of  FIG. 9 . 
     Returning to  FIG. 9 , in Step S 22 , the terminal identification information displayed on the display section  12  is erased (Step S 22 ), and then the processing proceeds to Step S 40  of  FIG. 10 , where the payment flag is set from “ON” indicating the payment-enabled state to “OFF” indicating the payment-disabled state (Step S 40 ). Then, the mark  120  displayed on the display section  12  is switched in response to this state of the payment flag (Step S 41 ), and this processing is then ended. 
     As described above, only when it is judged that the communication is made from the authorized communication terminal  20  corresponding to the user terminal identification information, that is, from the communication terminal  20  held by the user who is the owner of this payment card  10 , a function (hereinafter, referred to as a credit communication function) related to the read-out of the credit information registered in the credit information management table  151  and the transmission of the credit information concerned can be executed. Accordingly, the payment can be prevented from being made by the communication from the unauthorized user, that is, from the communication terminal  20  other than the authorized communication terminal  20 . 
     Moreover, the payment processing is enabled only for the predetermined time period (time period until the payment timer makes a time-out), and accordingly, the payment processing can be prevented from being performed carelessly. In such a way, for example, even if the payment flag of the payment card  10  is left in the “ON” state, the payment flag is automatically set to be “OFF” after the time-out of the KIN timer, and accordingly, the payment processing can be prevented from being performed carelessly. 
     Moreover, after the credit communication function is executed, this function can be set in an execution-disabled state, and accordingly, the payment processing can be prevented from being performed carelessly. 
     Furthermore, the mark  120  corresponding to the state of the payment flag is displayed on the display section  12 , and accordingly, the user can be visually notified that the current state is the payment-enabled state. 
     Returning to  FIG. 9 , in Step S 20 , when the input of the request information is not confirmed (Step S 20 : No), it is judged whether or not the value of the payment timer becomes “0”. When it is judged that the value of the payment timer is equal to 0 (Step S 23 : Yes), the processing proceeds to Step S 22 , and then this processing is ended through Steps S 40  and S 41  of  FIG. 10 . 
     Moreover, when it is judged in Step S 23  that the value of the payment timer is not equal to 0 (Step S 23 : No), it is judged whether or not the DTMF signal (for example, DTMF signal corresponding to the character code “*”) instructing start of the change of the payment limit amount is inputted through the communication section  17  (Step S 24 ). Here, when the input of the DTMF signal instructing the start of the change of the payment limit amount is not confirmed (Step S 24 : No), the processing returns to Step S 20 . 
     Meanwhile, when it is judged in Step S 24  that the DTMF signal instructing the start of the change of the payment limit amount is inputted (Step S 24 : Yes), the communication terminal identification information displayed on the display section  12  is erased (Step S 25 ), and the payment limit amount register of the RAM  14  is initialized to “0 (null)” (Step S 26 ). Then, the guidance data  132  stored in the ROM  13  is read out, and the audio signal to the effect that the operation related to the change of the payment limit amount will be explained is transmitted through the communication section  17  to the communication terminal  20  on the call origination side (Step S 27 ). 
     Subsequently, the predetermined value is set in the KIN timer of the RAM  14  (Step S 28 ). Here, upon setting the time in the KIN timer, the CPU  11  counts down from the time (for example, 60 sec) set in the KIN timer to 0 based on the time period counted by the timer section  16  on the background of this processing. 
     Subsequently, it is judged whether or not the value of the KIN timer becomes “0”. When it is judged that the value of the KIN timer is equal to 0 (Step S 29 : Yes), the processing proceeds to Step S 40 , and this processing is then ended through Step S 41 . 
     Meanwhile, when it is judged that the value of the KIN timer is not equal to 0 (Step S 29 : No), it is judged whether or not the DTMF signal inputted through the communication section  17  is the DTMF signal (for example, DTMF signal corresponding to the character code “*”) instructing end of the change of the payment limit amount (Step S 30 ). 
     When it is judged in Step S 30  that the inputted DTMF signal is not the DTMF signal instructing the end of the change of the payment limit amount (Step S 30 : No), it is judged whether or not the character code represented by the inputted DTMF signal is the numeric value code (Step S 31 ). Here, when it is judged that the character code is not the numeric value code (Step S 31 : No), the processing returns to Step S 28 , where the KIN timer is set at the predetermined value one more time. Note that, in this case, the character code that is not defined is transmitted from the communication terminal  20 , and accordingly, the audio signal notifying the message to that effect may be transmitted to the communication terminal  20 . 
     Meanwhile, when it is judged in Step S 31  that the character code is the numeric value code (Step S 31 : Yes), the numeric value code is sequentially stored in the payment limit amount register of the RAM  14  (Step S 32 ), and the numeric value code stored in the payment limit amount register is read out and displayed on the display section  12  (Step S 33 ). Then, the processing returns to Step S 28  one more time, where the KIN timer is set at the predetermined value one more time. 
     Meanwhile, when it is judged in Step S 30  that the DTMF signal instructing the end of the payment limit amount is inputted (Step S 30 : Yes), the guidance data  132  stored in the ROM  13  is read out, and the numeric value code inputted until then, that is, the audio signal urging the confirmation of the payment limit amount is transmitted to the communication terminal  20  (Step S 34 ). 
     In Step S 35  that follows, it is judged whether or not a DTMF signal instructing cancellation of the utilization limit amount inputted until then is inputted through the communication section  17 . When it is judged that the DTMF signal instructing the cancellation is inputted (Step S 35 : No), the processing proceeds to Step S 40 , and this processing is ended through Step S 41 . 
     Moreover, when it is judged in Step S 35  that a DTMF signal (for example, DTMF signal corresponding to the character code “*”) instructing acceptance of the utilization limit amount inputted until then is inputted through the communication section  17  (Step S 35 : Yes), the utilization limit amount stored in the payment limit amount register is registered in the credit information management table  151  of the storage section  15  (Step S 36 ), and the processing then proceeds to Step S 37 . 
     In Step S 37 , the guidance data  132  stored in the ROM  13  is read out, and an audio signal urging confirmation as to whether or not this processing is to be ended is transmitted to the communication terminal  20  (Step S 37 ). Here, when it is judged that a DTMF signal instructing continuation of this processing is inputted through the communication section  17  (Step S 38 : No), the processing returns to Step S 18 . In this case, the payment timer is set one more time in Step S 18 , and the payment processing (Step S 21 ) at the changed payment limit amount or a further change of the payment limit amount can be continuously performed. 
     Moreover, when it is judged in Step S 38  that a DTMF signal instructing end of this processing is inputted through the communication section  17  (Step S 38 : Yes), the payment limit amount displayed on the display section  12  is erased (Step S 39 ). Then, the payment flag is set from “ON” indicating the payment-enabled state to “OFF” indicating the payment-disabled state (Step S 40 ), and the mark  120  displayed on the display section  12  is switched in response to this state of the payment flag (Step S 41 ). Thereafter, this processing is ended. 
       FIG. 14  is views showing relationships between the DTMF signals transmitted from the communication terminal  20  and display screens displayed on the display section  12  when the above-described processing related to the change of the payment limit amount is executed. 
     First, in Step S 14 , the communication terminal identification information (telephone number) of the communication terminal  20  that has turned to the call origination side is displayed ( FIG. 14A ). Then, in Step S 16  that follows, the display state of the mark  120  indicating whether or not the current state is the payment-disabled state or the payment-enabled state is switched in response to the state of the payment flag ( FIG. 14B ). Here, it is defined that a display state (showing a white flag) of a mark  121  indicates the payment-disabled state, and that a display state (showing a black flag) of a mark  122  indicates the payment-enabled state. Note that a method for indicating whether the current state is the payment-disabled state or the payment-enabled state is not limited to the above-described method of switching the display state of the mark  120 . For example, in response to the state of the payment flag, a symbol “NO” indicating the payment-disabled state and a symbol “YES” indicating the payment-enabled state may be displayed on the display section  12 . 
     In Step S 24 , when the DTMF signal instructing the start of the change of the payment limit amount is inputted (Step S 24 : Yes), the communication terminal identification information displayed on the display section  12  is erased in Step S 25  ( FIG. 14C ). Subsequently, in Steps S 28  to S 33 , when the DTMF signals are sequentially inputted through the communication section  17 , numeric value codes (“5”, “0” . . . “0”) displayed by the DTMF signals are sequentially displayed on the screen in order of the input in a state of being shifted to the left side of the screen ( FIG. 14D  to  FIG. 14F ). 
     Then, in Step S 30 , when the DTMF signal “*” instructing the end of the change of the payment limit amount is inputted through the communication section  17  (Step S 30 : Yes), an input mode (Steps S 30  to S 33 ) of the payment limit amount is ended ( FIG. 14G ). Then, in Step S 35  that follows, when the DTMF signal “*” instructing the acceptance of the payment limit amount is inputted through the communication section  17  (Step S 35 : Yes), the payment limit amount stored in the payment limit amount register, that is, the payment limit amount “500000” displayed on the display section  12  is registered in the credit information management table  151  in Step S 36  ( FIG. 14H ). 
     Moreover, in Step S 38 , when the DTMF signal to the effect that this processing is to be ended is inputted through the communication section  17  (Step S 38 : Yes), the payment limit amount displayed on the display section  12  is erased in Step S 39  ( FIG. 14I ). Then, in Step S 41 , the display state of the mark  120  indicating whether the current state is the payment-disabled state or the payment-enabled state is switched in response to the state of the payment flag ( FIG. 14J ), and this processing is ended. 
     As described above, only when it is judged that the communication is made from the authorized communication terminal  20  corresponding to the user terminal identification information, that is, from the communication terminal  20  held by the user who holds the payment card  10 , a function (hereinafter, referred to as a payment limit amount change function) related to the change of the payment limit amount of the credit information management table  151  can be executed. Hence, the payment limit amount can be prevented from being changed by the communication from the unauthorized user, that is, from the communication terminal  20  other than the authorized communication terminal  20 . 
     Moreover, the payment limit amount is made changeable only for the predetermined time period (time period until the KIN timer makes the time-out), and accordingly, the payment processing can be prevented from being performed carelessly. In such way, for example, even if the user of the authorized communication terminal  20  is absent from the office during a period while changing the payment limit amount, it is possible to automatically disable the change of the payment limit amount to be executed after the time-out of the KIN timer. Accordingly, the payment limit amount can be prevented from being changed carelessly. 
     Moreover, after the payment limit amount change function is executed, this function can be set in an execution-disabled state, and accordingly, the payment limit amount can be prevented from being changed carelessly. 
     Furthermore, the credit communication function or the payment limit amount change function can be set in an execution-disabled state in response to the instruction information transmitted from the communication terminal  20 , and accordingly, the payment limit amount can be prevented from being changed carelessly. 
     Furthermore, the mark  120  corresponding to the state of the payment flag is displayed on the display section  12 , and accordingly, the user can be visually notified that the current state is the payment-enabled state. 
     Note that the description contents in the above-described embodiment are a preferred example of the present invention, and the present invention is not limited to this. 
     For example, in the above-described embodiment, the portable card-shaped payment card is used as the terminal device; however, without being limited to this, the terminal device may be the cellular phone, the PDA, or the like. 
     Moreover, in the above-described embodiment, a mode is adopted, in which the connection from the communication terminal  20  to the payment card  10  is made through the public telephone switching network. However, other modes may be adopted without being limited to the above. For example, the following mode may be adopted. Specifically, the network interface such as the modem, the terminal adapter, the LAN adapter, and the wireless communication device in conformity with the Bluetooth standard is used as each of the communication section  17  of the payment card  10  and the communication section  27  of the communication terminal  20 , and the connection is made from the communication terminal  20  to the payment card  10  through a wired or wireless network that connects the network interfaces of both of the communication sections  17  and the communication terminal  20  to each other. 
     In this case, in the management terminal identification information  133  of the payment card  10  and the user terminal identification information of the credit information management table  151 , as the collation-use terminal identification information, there are registered the IP address, the MAC address, the Bluetooth address, and the Bluetooth clock, and the like, which are pregiven to the communication section  27  of the communication terminal  20 . The CPU  11  collates the collation-use terminal identification information and the terminal identification information inputted from the outside through the communication section  17  with each other, thereby judges whether or not the communication is made from the authorized communication terminal  20  corresponding to the management terminal identification information or the user terminal identification information. Moreover, in this case, the guidance data transmitted from the payment card  10  to the communication terminal  20  may be video data or text data, which is displayable on the display section  23  of the communication terminal  20 . 
     All of the disclosures including the patent specification, the claims, the attached drawings and the abstract of Japanese Patent Application No. 2006-179796 filed Jun. 29, 2006 are herein incorporated by reference. 
     Although various typical embodiments have been shown and described, the present invention is not limited to those embodiments. Consequently, the scope of the present invention can be limited only by the following claims.