Authentication server, user terminal, settlement system, settlement method, and recording medium

A user terminal comprising:

• a camera to capture a second facial image of a salesclerk in a store in which no dedicated store terminal is installed;
• a memory storing instructions;
• and
• one or more processors configured to execute the instructions to:
• determine second facial feature information from the second facial image when electronic settlement is made in the store;
• transmit the second facial feature information to an authentication server that performs authentication by collating the second facial feature information with first facial feature information determined from a first facial image of the salesclerk, wherein the authentication is successful when the second facial feature information and the first facial feature information match, and wherein the authentication server stores settlement destination information indicating, in association with each other, a destination of a request for the electronic settlement, the first facial information, and payee information indicating the store as a payee of the electronic settlement;
• receive, from the authentication server, the payee information when the authentication is successful;
• receive a payment amount in the electronic settlement;
• and
• initiate the electronic settlement in the payment amount to the payee indicated by the payee information.

A settlement method comprising:

• storing, by an authentication server, settlement destination information indicating, in association with each other, a destination of a request for electronic settlement in a store in which no dedicated store terminal is installed, first facial feature information determined from a first facial image of a salesclerk of the store, and payee information indicating the store as a payee of the electronic settlement;
• receiving, by the authentication server and from a user terminal that makes the electronic settlement, second facial feature information determined from a second facial image of the salesclerk, the second facial image captured by a camera installed in the user terminal;
• performing, by the authentication server, authentication by collating the second facial feature information with the first facial feature information, wherein the authentication is successful when the second facial feature information and the first facial feature information match;
• and
• transmitting, by the authentication server, the settlement destination information including the payee information associated with the first facial feature information to the user terminal when the authentication is successful.