An electronic settlement system with extremely high security based on the use of a mobile terminal with an electronic camera therein. Display units for commodity information provided at a place for payment with cash, a sales control server for managing the display units, a server for controlling the mobile terminals, and an authentication server authorizing the mobile terminals are connected to each other through the Internet, and the authentication server and the sales control server are connected to each other through a dedicated communication line. The commodity information comprising characters and displayed on the display unit are photographed with the mobile terminal, the image data is transmitted via the mobile terminal server to the authentication server, the authentication server authenticates the mobile terminal and reproduces the image data to the character commodity information, and the authenticated personal information and the commodity information are transmitted via the dedicated communication line to the sales control server.