A portable terminal, a terminal function management system, and a terminal function management method that can prevent electronic money fraud by another person after loss or theft and readily and accurately determine the electronic money balance to be guaranteed are provided. In a portable terminal, a lock function that imposes restrictions on access to a chip storage unit that stores a value balance is enabled. It is thereby possible to prevent electronic money fraud by another person after the loss or theft of the portable terminal. Further, in the portable terminal, a value balance acquired after the lock function is enabled and before the lock function is released is stored in an electronic money server. It is thereby possible to readily and accurately determine the electronic money balance to be guaranteed which is stored the chip storage unit at the time when the loss or theft is found.