Electronic settlement method, system, server and program thereof

An electronic settlement method between user terminals at least provided with a function of sending a unique identification ID of a user to a connection destination at a submission time, the method being carried out via a server provided at least with a database storing at least balance information of the user in association with the unique identification ID of the user and the method comprising:

• a step, by circuitry of a remitter user terminal, of sending a unique identification ID of a remitter user to the server by connecting the server;
• a step, by circuitry of the server, of receiving a forward remittance request including at least the unique identification ID of the remitter user, a unique identification ID of a recipient user by voice information, and a remittance amount by voice information from the remitter user terminal;
• a step, by the circuitry of the server, of sending by voice information a return request, which relates to confirmation information indicating an intention to accept remittance to the forward remittance request and includes at least information regarding a transaction amount according to the forward remittance request and information regarding the recipient user, to the remitter user terminal having carried out the forward remittance request;
• a step, by the circuitry of the server, of receiving the confirmation information indicating an intention to accept remittance to the forward remittance request from the remitter user terminal;
• and
• a step, by the circuitry of the server, of updating balance information corresponding to the unique identification ID of the remitter user and the unique identification ID of the recipient user in accordance with the remittance amount,
• wherein the unique identification ID is information that allows to identify a user terminal.