The online payment system and payment method for using a calculating punch are provided. The present invention is the identity that an earphone jack is connected to that user terminal receives input credit card via the calculating punch of user terminal; The payment information receiving order information for carrying out user terminal is generated in order to provide shopping information to user terminal, the credit card identification information input of user terminal is received via calculating punch, it is requested by the approval to server of a wireless communication network PG, has been placed in user terminal after receiving payment License Info from the PG servers for being used for transmission sequence and show shopping mall server; Credit card, it receives identification information and bill information, by sending it to the network interface card checking request of card corporate server, the business licence payment authorization information for corresponding to identification information is generated based on the credit card validation information received from the card corporate server PG servers for transmitting to server and credit card company server; The slave PG service identity informations and bill information of transmission, credit card validation information, it is pre-stored in transmission database by the validity number of verifying credit card identification and is generated, credit card company receives PG servers, and from payment authorization server PG, wherein the adjoint server reception of Payment Card company credit card is updated to database transmission card information; It include: because they are not directly stored in internal user terminal using snapping into real credit card information, it is inputted via earphone jack, user terminal cannot be only performed when payment needs it to provide a kind of on-line payment system and the payment method in the risk cracked because of using safety credit card bill information.
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