A card ID and a consumption amount of virtual money are transmitted from a game terminal as charging-target terminal apparatus, the card ID being recorded in a card possessed by a user (step S31). The server apparatus replaces the card ID with a user ID unique to each user (step S32), and specifies a virtual money account managed by the server apparatus in association with the user ID. When the balance of the account is not less than the consumption amount, the consumption amount is subtracted from the balance of the account, and when the balance is less than the consumption amount, the subtraction of the consumption amount is stopped (step S34). Transaction result information including information indicating whether the subtraction of consumption amount has succeeded is transmitted to the game terminal (3) as a response (steps S35, S36).