A safer settlement system as an alternative to a settlement system using a credit card is provided. The settlement system has a user terminal, a settlement device, and a settlement terminal. First, the user terminal receives inputting of a user ID, a password, and money amount information specifying a money amount (S912), and transfers the same to the settlement device (S913). The settlement device performs credit determination (S922), generates provisional permission information if credit is possible (S923) and transfers 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 transferred from the settlement terminal to the settlement device is same as a one-time password produced by the settlement device (S926), the settlement device authorizes user's payment (S927).
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