PURPOSE: To prevent the stoppage of transaction with the no-updating of a utilization limit amount by deciding whether or not date information updated and a renewal day stored in a data memory coincide regarding a multifunctional IC card and updating the utilization limit amount stored in the data memory by a renewal amount stored in the data memory when coincidence is decided.

CONSTITUTION: When a CPU 28 is supplied with a date changeover signal at every twenty-four hr from a clock circuit 33, the date information of a date- information storage area 31a in a memory 31 is up-dated only by a day. The CPU 28 decides whether or not there is an area A or B for automatic renewal, compares the renewal day (thirty days) of a renewal-day storage area 31d in the area A and the date information of the date-information storage area 31a at the time of presence, and updates the utilization limit amount of a utilization limit amount storage area 31b into (three hundred thousand yen) by the renewal amount (three hundred thousand yen) of a renewal-amount storage area 31f at the time of coincidence. Accordingly, renewal processing required every month can be omitted, and the stoppage of transaction due to the no-updating of the utilization limit amount can be prevented.