To make an electronic value usable for both service on a network and service in the real world while ensuring security, convenience and economical efficiency, the electronic value issued for a user is controlled on an electronic wallet of a private electronic value bank, the electronic value controlled on the electronic wallet of a bank is cached in a mobile electronic wallet on a smart card of a user's portable terminal 5, and the electronic wallet is linked such that it is operated via the network when the mobile electronic wallet is operated. When the electronic value on the smart card is used for the service provided in a real environment such as a ticket gate of a train station, on-line transaction does not occur every time it is used, but the electronic wallet of the bank is updated when the portable terminal and the bank communicate later.