The invention relates to an electronic
payment system and a remote-based or near-field-based
payment method. The electronic
payment system comprises a remote payment subsystem and a near-field payment subsystem, each of the subsystem comprises a
payment card, a
payment terminal, a collection card, a collection terminal, a payment
server and a collection
server. According to the remote-based payment method, remote payment can be achieved through a bound remote payment account, the
payment terminal, the
payment card and payment passwords, remote payment collection can be achieved through a bound remote collection account, the collection terminal and the collection card, and the payment
server receives payment amount and the payment passwords. According to the near-field-based payment method, near-field payment can be achieved through a bound near-field payment account, the
payment terminal and the
payment card, near-field payment collection can be achieved through a bound near-field collection account, the collection terminal and the collection card, the payment information of the payment terminal and the payment information of the payment card are mutually backed up, and the collection information of the collection terminal and the collection information of the collection card are mutually backed up.