DevelopmentofElectronicPaymentMethodandThinking【Abstract】Thispaperintroducestheconceptofelectronicpayment，thedefinitionofthepaymentisillustratedtocataloguethepaymentmethod.ThedevelopmentofthepaymentisalsoanalysedbothinChinaandworldwide.Thentheissuesexistintheelectronicpaymentisstudied.Byanalysingtheissues，betterlawregulations，aswellastechnologies，areneededforthefuturegrowthofelectronicpayment.【KeyWords】electronicpayment；paymentmethod；issueanalysis；futuredevelopment【作者簡介】邢诗淇，成都七中万达学校。1.DefinitionandCataloguesTheElectronicPaymentisanactivitywhichachievespaymentandfundstransferbysecureInternetconnections.Paymentsaregeneratedbyconsumers，businessesandfinancingorganizations，thensafelytransferredtobanksorprocessingorganizations.basedontheresearchonfinancingandelectronicbusinesssubjects，theelectronicpaymentincludescardpayment，onlinepayment，mobilepaymentandsoon.Asanewmethodofpayment，theelectronicpaymenthasitsspecificadvantages.Firstly，theelectronicpaymentisamethodtocarryoutcontracts.Secondly，ithasthetechnologicalfeatures，thepaymentisprocesseddigitally，whichistheprimaryfeaturethatmakesthedifferencetothetraditionalpayment.2.AnalysisofElectronicPaymentinChinaandWorldwideIntheglobalmarket，themostwidelyusedandwell-regardedmethodisPayPal.ThePayPalwasfoundedinDecember1998，andnowithasover100millionusers，makingitthemostefficientwayofglobalpayment.PayPalsupportsover190countrieswithover20currencies.Thethird-partyserviceproviderMoneybookersisalsowidelyused，usersaremainlyinsomeoftheEuropeanCountries.Theconceptofthird-partypaymentplatformwasraisedin2004byCEOofAli，whilein2020，theelectronicpaymenthasalreadyexisted.TheAlipaywaslaunchedinOctober2004andstartedaneweraofpayment.TheAlipaysolvedthetrustissuebyholdingthefundsasathird-partyrole，makingtheAlipaygrowsquicklyandbecamethelargestserviceproviderinChina.Around2020，moreplatformsstartedtojointhemarketsuchasTencent，Lakalaand99Bill.Thegrowthofthemarketexplodedin2020-2020，theannualgrowthrateofpaymentsreachedover100%.Becauseofthemassexpansion，thethird-partycompaniesareorganisedintothemonitoringsystemforahealthiermarket.Nowadays，thethird-partypaymentmarketisthelargestandmostdivertedmarketintheworld.In2020，thenumberofAlipayusershasreached450million，theannualvolumeofAlipayinthemarkethasreached1.43trillionyuan.ThesecondlargestserviceproviderWechathasover900millionusers，theannualpaymentvolumehasalsopassed1trillion.3.TheIssueofElectronicPaymentandFutureDevelopmentAsanewmethodofpayment，theelectronicpaymentgetsalotofattentioninsociety，especiallyfromgeneralusers.Meanwhile，theattentionfromusersisalsothereasonthattheusersavoidusingelectronicpayment.Themainreasonisthatofthevirtualpropertiesofthepayment.Thesecondreasonisthelackofsocialtrustsystem.Theverificationprocessisdifficulttobevalidated.Thethirdreasonisthelackoflawregulations.Therearetwowaystoresolvetheissues.Firstistoimprovethetechnologyanddevelopthepaymentplatformtoincludetheusercredibilityinformation.Thisrequiresthecooperationtofinancingorganizations，aswellassupportfrombusinessandusers.Secondistodevelopthelawsandregulationstothepaymentplatform.Thisistoregulatethemarketandpunishtheactivitieswhichareoutofregulation.Inthefuture，withthedevelopmentoftheInternetofThingsandArtificialIntelligence，theexpansionofelectronicpaymentwillalsobeaccelerated.Theelectronicpaymentwillhavemorediversity.Meanwhile，asthereisstillalackofamethodtomakeglobalpaymentinanefficientandlow-costfashion，thedecentralisedblockchaintechnologywillbeaverypromisingsolution.Thenewlydevelopedelectronicpaymentisachallengetous，butitisalsoanopportunity.Weshallbecontinuouslyexploring，learning，anddevelopingnewtechnologies.Insuchway，wecanensuretherapiddevelopmentoftheeconomyandtechnologyofChina.References：【1】黃浩锐，金环.浅谈互联网+形式下的挪动端支付经济J.时代金融，202024：268.【2】张海霞.我国支付信誉体系的开展与影响J.经贸理论，202016：290.【3】曹钊珣.基于电子商务时代民商法的创新研究J.法制与社会，202023：11-12.