PURPOSE: To smooth the transaction processing of an IC card by providing a magnetic stripe read means and a pass code retrieval means retrieving a pass code corresponding to the type of the IC card from plural pass codes stored in a pass code storage means and outputting the result to the IC card.

CONSTITUTION: A magnetic stripe 12 recording the card type is provided to the IC card 1 and a means reading the said magnetic stripe data is provided to an IC card reader/writer to discriminate the type of the IC card by reading the magnetic stripe when the IC card is loaded. In retrieving a pass code (PIN code) storage means depending on the read card type, the PIN code corresponding to the read IC card type is outputted and the PIN code is made coincident by one PIN code check. Thus, the transaction processing of the IC card is smoothed.