Payment processing system and payment processing method

A settlement processing method, wherein

• an information processing system, which includes a storage device storing registration position information showing a location of each store, settlement account information of the store, and settlement account information of a user of each store, executes
• processing for, when current position information obtained from a store terminal of the store shows the inside of a predetermined area shown by the registration position information of the store, obtaining a predetermined code and settlement information corresponding to a settlement opportunity generated for the user of the store, from the store terminal and storing the predetermined code and the settlement information in the storage device, according to the settlement opportunity, and
• processing for, when a payment request including the predetermined code is obtained from a predetermined user terminal, specifying a store located at a current position of the user terminal, on the basis of current position information obtained from the user terminal and the registration position information, and when a predetermined code held for the store and the predetermined code included in the payment request are matched with each other, requesting an accounting system to execute remittance processing between settlement accounts of the user and the store, on the basis of settlement information associated with the predetermined code and the settlement account information of the store and the user.