Intelligent credit card payment system and payment processing method

An intelligent credit card payment system comprising:

• an intelligent terminal of an affiliated store that inputs transaction information including card information, product price, and payment information according to an IC credit card payment of a purchaser, and automatically sets and performs a payment processing network through VAN linkage or PG linkage;
• a VAN network for processing the transaction information inputted according to the VAN linkage of the intelligent terminal by encrypting the transaction information to VAN approval information;
• and
• a PG network processing the transaction information inputted according to the PG linkage of the intelligent terminal by encrypting the transaction information to PG approval information, wherein:
• the intelligent terminal is provided with a duplex payment structure configured according to setting of the intelligent terminal in which the intelligent terminal is automatically routed upon approval rejection due to an error relevant to the affiliated store during processing a payment subject to the VAN linkage and displays a switching to a payment processing through the PG linkage, and the VAN approval information is converted to the PG approval information, so that a payment processing subject to the VAN linkage is switched to a payment processing subject to the PG linkage, and
• wherein the intelligent terminal is further configured to:
• provide a commission to a PG company as a representative makes a contract with a credit card company for using the PG linkage provided by the PG company;
• directly connect to the credit card company by using the VAN linkage;
• and
• select a payment through the VAN linkage, a payment through the PG linkage, or a combined payment processed by selectively switching the VAN linkage or the PG linkage in an affiliated store product sales screen and a credit card cancellation screen outputted on a display of the intelligent terminal.