Patent ID: 8239324

Claim:
A mobile terminal comprising: an issuer application storage unit configured to store a plurality of issuer applications, each issuer application managing settlement information of an issuer providing a credit settlement service; an IC chip receptacle having an IC chip stored therein; the IC chip having a plurality of storage areas and a table including current state information for each issuer application, each storage area being assigned to each issuer application stored in the issuer application storage, each storage area storing settlement information managed by the issuer application, the current state information indicating whether or not the storage area of the issuer application is validated; a switching instruction information reception unit configured to receive switching instruction information to instruct switching of validation and invalidation of the storage area assigned to one issuer application from an issuer terminal managed by one issuer corresponding to one of the storage areas in the IC chip to indicate whether credit settlement service to the user of the mobile terminal is available from the issuer; a storage area control unit configured to individually switch validation and invalidation of each storage area by updating the current state information corresponding to the one issuer based on the switching instruction information received by the switching instruction information reception unit from each issuer; and a management application storage unit configured to store a management application to cause a display unit to display in a lump whether or not each issuer application is available based on the current state information for each issuer application when the issuer application is started.