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.