Electronic settlement method and system

An electronic settlement system processes settlements that are conducted using credit cards through a communication line connecting a server of a credit card company to card-processing devices of member stores or terminals of customers. The electronic settlement system includes a device that provides personal information of customers to member stores based on the agreement by the customers to provide such personal information, and a device that provide the customers with preferred services either from the credit card company or the member stores in exchange for the personal information provided. Furthermore, the electronic settlement system may includes a device at the card company to receive fees for providing the member stores with the personal information of the customers. The electronic settlement system enables the customers to receive services, the member stores to utilize accurate personal information, and the card company to receive fees from the member stores.