To load the electronic money by means of a general telephone circuit.

In this electronic money transaction system, the irises of an operator of a public telephone set are photographed by a camera 15 and recognized at a recognition part 22. Meanwhile, the personal information stored in an IC card 31 is read at a card reader part 26. The card 31 stores the registered two iris data and a control part 21 compares these iris data with each other to authenticate the identity of the operator. When this identity is authenticated, the loaded amount of electronic money is inputted to generate the communication data including the loaded amount. The communication data are enciphered and then transmitted to a host computer via a telephone circuit 2.