SETTLEMENT MANAGEMENT DEVICE, SETTLEMENT MANAGEMENT METHOD, AND TERMINAL

To provide a settlement management device, a settlement management method, and a terminal that achieve cashless settlement with a balance between maintaining and improving user convenience and suppressing fraud risk.SOLUTION: In a settlement system, a settlement management device (settlement server) includes: means for acquiring a settlement request indicating a transaction amount and a transaction status; means for determining whether to request settlement approval from a payment side according to the transaction amount and the transaction status indicated by the acquired settlement request; means for requesting approval from a terminal on the payment side via a network if it is determined to request; and means for processing the settlement when settlement is approved at the terminal on the payment side.SELECTED DRAWING: Figure 3 【課題】ユーザ利便性の維持・向上と不正リスクの抑制とのバランスがとれたキャッシュレス決済を実現する決済管理装置、決済管理方法及び端末を提供する。【解決手段】決済システムにおいて、決済管理装置（決済サーバ）は、取引の金額と取引の状況とを示す決済要求を取得する手段と、取得された決済要求が示す取引の金額と取引の状況とに応じて、支払い側に決済の承認を要求するか否かを判定する手段と、要求すると判定された場合、支払い側の端末にネットワークを介して承認を要求する手段と、支払い側の端末において決済が承認されると、当該決済を処理する手段と、を備える。【選択図】図３