Patent ID: 7996326

Claim:
A financial card system comprising: a communications device having a non-contact integrated circuit chip; and an authentication terminal having a reader/writer and communicating with the communications device, wherein the communications device further comprises: a device storage block that is included in the non-contact integrated circuit chip having: an individual area that stores financial card information of a plurality of financial organizations and that is accessible by use of an individual encryption key unique to said each of the plurality of financial organizations, and a common area that stores a plurality of individual encryption keys, each of which being unique to said each of the plurality of financial organizations, and that is accessible by use of a common encryption key recorded to said reader/writer, a common area information transmission block that transmits said individual encryption key from said common area to said reader/writer when said common area is accessed by said reader/writer by use of said common encryption key, and an individual area information transmission block that transmits said financial card information from said individual area to said reader/writer when said individual area is accessed by said reader/writer by use of said individual encryption key, wherein said reader/writer of said authentication terminal comprises: a reader/writer storage block that stores said common encryption key for accessing said common area in said device storage block of said communications device, a common area information reception block that receives said individual encryption key from said common area by accessing said common area of said device storage block of said communications device by said common encryption key, and an individual area information reception block that receives said financial card information from said individual area by accessing said individual area of said device storage block of said communications device by said received individual encryption key, wherein during a transmission of the individual encryption key between the communication device and the authentication terminal, the individual encryption key is encrypted using a combination of a chip code of the non-contact integrated circuit chip with a terminal key of the authentication terminal or an area code.