PURPOSE: An IC chip having the excellent security is provided to process financial transaction using a predetermined digital bankbook in a shadow account type. CONSTITUTION: A financial transaction list storing unit(120) stores transaction detail information corresponding to the digital bankbook account number. An IC chip interface processes the input-output of financial transaction related transceiver data using the digital bankbook through the mobile terminal. A processing unit controls the output of the digital bankbook account number information stored through the IC chip interface in the account information storage. The processing unit stores the transaction detail information inputted through the IC chip interface in the financial transaction history storage.
