Patent ID: 8630955

Claim:
A communications device comprising: a non-contact integrated circuit chip including a storage-block that has an individual area storing financial card information of a plurality of financial organizations that is accessible by use of an individual encryption key unique to said each of the plurality of financial organizations and a common area storing an individual encryption key for said each financial organization that is accessible by use of a common encryption key; a common area information transmission block that transmits said individual encryption key from said common area; and an individual area information transmission block that transmits said financial card information from said individual area, wherein during the transmission of the individual encryption key, the individual encryption key is encrypted using a combination of a chip code that uniquely identifies the non-contact integrated circuit chip with an area code indicating a storage position of the financial card information of an associated financial organization, the area code being stored in the common area and associated with the financial card information upon the registration of the financial card information in the non-contact integrated circuit chip.