To easily and instantaneously perform settlement in an arbitrary place without a specified settlement processor, and to introduce a system, and maintain and manage the same at a low cost.

The portable telephones X, Y are provided with a virtual coin management part 17 for managing a virtual coin, a service processing part 21 for providing settlement service is provided in a service server 2 connected to a mover network 3, and a transfer request for a virtual coin and addition/ subtraction instruction are given and taken between the portable telephone X at the charge side and the portable telephone Y at the payment side through the service processing part 21 to mutually perform settlement between the portable telephones. According to an accounting request from the mover network 3, the virtual coin subtraction is requested from the service server 2 to the portable telephone X to settle the telephone charge and communication charge. The service server 2 requires the virtual coin subtraction for the portable telephone X, and acts for settlement with a contents provider 12 on the security of the subtraction result.