To drastically reduce risk of a person successfully pretending to be someone else by performing biometric collation on the basis of user's biometric information and identify the person and without installing many biometric devices.

A card utilization transaction system is provided with a card utilization condition setting terminal for transmitting both biometric information of a user utilizing a card and the utilization condition of the card and connected to a network, a biometric information storing means for storing the biometric information, a biometric authentication server 15 for performing biometric collation and connected to the network, a storing means for storing the utilization condition of the card, and a card operating server 21 for allowing a transaction using the card in the case a condition included in transaction information using the card satisfies the utilization condition.