Immediately settlement card selection method and a use system

Direct payment card, and choose how to use the system is to allow customers to make payments conveniently and automatically select the card if multiple cards are stored on a chip card. The present invention is stored by adding the right payment code consisting of a number of cards of a plurality issued the card nine minutes identification code, the issuing authority code and issuing institution serial number in the IC chip card into the card issuing information, and an IC chip card is equipped with a mobile press once the side key (side key) provided on the side of the mobile communication terminal is used as a card is installed on the merchant side transaction singular / plural card processing connected to the terminal by a serial communication or a one-piece received singular / plural card terminal and infrared (Ir), wireless (RF), Bluetooth (Blutooth) the local communication connection to the communication system, the right payment code received immediately billing code for the type of card to transactions at merchants side to the mobile terminal, and transmission by taking the index automatically reads the card information of the card stored in the IC card chip infrared (Ir), wireless (RF), Bluetooth (Blutooth) room Transmitted is configured to place the payment. Accordingly, the present invention is applicable to the fields requiring the rapid settlement of time can be, and select a payment card automatically have shortened trading hours to relieve the discomfort of the key operations of the customer, and the side key once, press the menu without manipulation it can provide the effect. Direct payment card, direct payment code