The purpose of the invention is to provide an Internet commerce 
system and a method, where a personal information such as a settlement ned not be provided to the seller, where the money is settled to the shopping mall after the delivery is confirmed, thereby protecting the users, and where denial of the purchase of the user cannot happen, thereby protecting the seller. In order to accomplish the purpose, the invention provides an Internet commerce 
system including (1) a user's terminal which can provide shopping information to the user and can perform an on-line purchase and can perform a date communication through 
the Internet; (2) a shopping mall 
server formed on the on-line in order to provide various 
product data and to sell the products; (3) a settlement 
server formed on the on-line in order to provide a credit information and to perform settlement of the deal between the user and the shopping mall; (4) a service 
server communicating with the user's terminal, the shopping mall server and the settlement server, receiving the deal approval information and sending it to the user's terminal and the shopping mall server, letting the shopping mall have the settlement money when receiving a deal ending 
signal from the terminal. This 
system is buyer's initiated settlement system and can enhance safety of the deal.