To make acquirable and payable digital money of a required amount for payment in the range of the deposit balance regardless of date and place, and to reduce the risk of fraudulent use even when there is a loss and a theft.

In this disclosed digital money operating method, a cellular phone 1 accesses a financial institution terminal 4 via a network 3, and receives the digital money in the range of the deposit balance of a user of the cellular phone 1, and stores the digital money in an IC card 2, and gets access to a store terminal 6 via the network 3 by receiving reduction in the deposit balance of the user on an amount corresponding to the digital money, and transmits the whole or a part of the digital money as a price of a commodity purchased by the user. The store terminal 6 accesses the financial institution terminal 4 via the network 3, and receives an increase in the deposit balance of a store or a storekeeper of the store on the amount corresponding to the digital money received as the price of the commodity.