A terminal 2 held by the user is provided with a radio transmitter and receiver 3. Electronic money information is transferred via the radio transmitter and receiver 3. By using a portable telephone, it is unnecessary to directly insert an IC card 1 into service supply equipment 17. In addition to the...http://www.google.de/patents/US6902106?utm_source=gb-gplus-sharePatent US6902106 - Electronic money transaction system with a radio transmitter and receiver using a portable telephone