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Since the 1990s, the rapid development of computer network technology, and promote the wider use of electronic money, but also to the traditional business payment system has brought about tremendous impact force from the operation of its business philosophy and approach to the exploration of new ways and change. Internet makes information processing and transmission broke through time and geographical constraints, the future of electronic money in e-commerce activities will become even more active network faces enormous financial business development opportunities, global digital economy will thus entered a new era. So this special presentation on the current mode of development of electronic money and payment systems, also recommended against the national conditions of China, the new payment system - Mobile payment system, and put forward, at present China's electronic money in the development process in a series of problems and their solutions programme.