A printing and copying system is provided that includes a server configured to manage user account information related to a user, and an apparatus connected to the server, the apparatus configured to send a printing request or a copying request to the server. The user account information includes a plurality of wallets associated with the user, and the plurality of wallets each represent funds available to the user. The server is configured to determine whether to authorise the printing request or copying request based on the funds available in the plurality of wallets.