Abstract: The present invention provides an electronic credit service for shortening the process of checking a buyer's credit standing on the seller side and ensuring payment collection by the seller in electronic commerce. A method of electronic credit service according to the present invention stores each buyer's credit inspection result in a credit organization server, and upon receiving order information from a buyer client, an electronic commerce server transmits a request for a credit guarantee to the credit organization server. The credit organization server then performs a credit guarantee process on the order information from the buyer. The electronic commerce server transmits to the seller client the order information with a credit guarantee result attached thereto, and upon receiving an order reception result from the seller client, the electronic commerce server transmits the order reception result to the credit organization server and the buyer client.