Abstract: A system and method for e-commerce business, which is an e-commerce payment system that effectively combines membership function, cash flow, logistic and information flow. The payment means of the system utilizes that “Member Number Management”, “Member Business Cipher Code Check” and “The Direct Security Encryption Means Between Card Holder and The System” to solve the problem of real time credit card authorization in cash flow of e-commerce business. “A credit card fund-request file is produced depending on actual delivery condition of order list”, and the shortness of ordered goods not in stock, refund process and goods delivery and fund-requests time after time is totally figure out. The consumer right is protected on network purchasing.