A portable terminal device, comprising: a communication function unit, an interface and an electronic-money function unit, the interface being configured to relay communication between the communication function unit and the electronic-money function unit, the interface being configured to encrypt data transmitted from the electronic-money function unit to the communication function unit and to decrypt encrypted data transmitted from the communication function unit to the electronic money function unit; the electronic-money function unit comprising: first currency information storage means (29; 36) for storing therein currency information representing a currency value amount as an electronic data, said currency value amount being a remaining amount of said currency; and first information processing means for using operational processing information to thereby operationally process the monetary amount of the stored currency information, wherein said first information processing means of said electronic-money function unit is provided with a terminal antenna for inputting thereinto the operational processing information to be transmitted by wireless communications; the communication function unit comprising request information transmission means for transmitting, to a server apparatus, request information for requesting said server apparatus to rewrite the electronic data so as to increase the stored currency value amount by credit card by using the operational processing information; operational processing information receipt means for receiving the operational processing information transmitted by said server apparatus in response to the transmitted request information; and input means for inputting the received operational processing information into said information processing means via said interface. a communication function unit, an interface and an electronic-money function unit, the interface being configured to relay communication between the communication function unit and the electronic-money function unit, the interface being configured to encrypt data transmitted from the electronic-money function unit to the communication function unit and to decrypt encrypted data transmitted from the communication function unit to the electronic money function unit; first currency information storage means (29; 36) for storing therein currency information representing a currency value amount as an electronic data, said currency value amount being a remaining amount of said currency; and first information processing means for using operational processing information to thereby operationally process the monetary amount of the stored currency information, wherein said first information processing means of said electronic-money function unit is provided with a terminal antenna for inputting thereinto the operational processing information to be transmitted by wireless communications; the communication function unit comprising request information transmission means for transmitting, to a server apparatus, request information for requesting said server apparatus to rewrite the electronic data so as to increase the stored currency value amount by credit card by using the operational processing information; operational processing information receipt means for receiving the operational processing information transmitted by said server apparatus in response to the transmitted request information; and input means for inputting the received operational processing information into said information processing means via said interface.