. . . "In addition, when the program is divided into three or more, for example, system suppliers (card suppliers and card activators) control the program stored in the non-volatile memory of the ATM 2, and card issuers control the program stored in the device connected on-line with a medium such as floppy disk, etc., or the ATM 2 and another program stored in the non-volatile memory of the ATM card 4." .