Abstract: An on-line credit card payment includes a user terminal to access a shopping mall server and select at least one commodity information transmitted by the shopping mall server and request payment based on the selected commodity information; a payment server configured to receive a payment signal according to the payment request from the shopping mall server, and generate a push message corresponding to the payment signal; a mobile terminal configured to receive the push message and including a payment application which automatically operates in response to receipt of the push message; a value added network (VAN) company server configured to transmit a one-time card number (OTC) from the mobile terminal to the payment server, and extract a card number by receiving a block data of a credit card corresponding to the OTC from the payment server; and a card company server configured to approve the credit card payment.