Provided is a more stable settlement system in place of a settlement system using credit cards. This settlement system is provided with a user terminal, a settlement device, and a settlement terminal. First, a user ID, password, and amount information specifying an amount are input via the user terminal (S912), and the same is sent to the settlement device (S913). The settlement device performs a credit determination (S922), generates provisional permission information if credit is possible (S923), and sends the same to the user terminal (S924). The user terminal generates a one-time password (S915). The one-time password is input to the settlement terminal (S931). If the one-time password sent from the settlement terminal to the settlement device is the same as the one-time password created by the settlement device (S926), the settlement device recognizes the user's payment (S927).