Credit card payment is a widely used service mode in electronic fund transfer system, which can greatly reduce the bill flow handled by banks. When customers shop at the supermarket electronic point of sale, they don't have to pay cash or checks directly to the store, but they can settle accounts with credit cards issued by financial institutions on computer terminals located in the supermarket. Customers who make service requests at electronic point of sale can open accounts in local banks or remote banks. 1975 the national credit card exchange and processing center established in the United States is called VISA, which later developed into an international credit card exchange and processing system. Visser automatically processes the accounts of 60 million customers every month. This system collects electronic cash records of tens of thousands of electronic sales points through the computer network, and sends the income and expenditure reports of customers' current deposit accounts and related store sales reports to 250 Visa system bank processing centers in Europe, Canada and the United States overnight through the computer network, and sends tapes to Visa system bank branches in 125 countries distributed in other parts of the world, so that the information of capital flow can be directly notified to credit card issuing banks through the computer network, which greatly reduces the bill flow of store receiving banks.