Publication and settlement of account for an electronic check

A method for issuing and settling an electronic check. An electronic check management server includes a user registration module, an electronic check issuance module, and an electronic check settlement module that are respectively executable by software. An issuer computer includes a user registration module and an electronic check issuance module that are respectively executable by software. A payee computer includes a user registration module and an electronic check settlement module that are respectively executable by software. Therefore, the method adopts a client as an electronic check issuer to quickly issue the electronic check, and transmits an issued electronic check to a payee via an E-mail using a P2P method, thereby establishing secure remittance/settlement services.