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The computer network technology develops at full speed since 1990's, pays system for the tradition business affairs having brought about gigantic impingement , forces it's the idea complying with mode of business operation and managing to carry out the new exploration and transform. Internet uses the information treatment and transfers restricting having broken time and the region to, electron currency will further enliven in future Electronic Commerce activity , the network finance business is confronted with gigantic development opportunity , the whole world will be step into the figure economy new era therefore. Therefore the main body of a book the way having introduced development of at present electronic currency specially and their payment system, the new model having been recommended by specifically for our national condition pays system- - moving a series of problem Ji Qi appearing in having paid system, and having suggested that electron curren