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Rapidly development of mobile-payment application is dues to the combination of mobile communication and Internet. The combination of J2ME and J2EE technology provides a good solution for mobile- payment. The characteristics of J2ME and J2EE is researched based on mobile- payment platform, and a whole series of solutions are proposed, these solutions can be applied into mobile commerce system of passenger transportation and logistics, and so on. Analyzing and designing the structures function of the mobile- payment system, including J2EE server-tier and J2ME client-tier. At the same time, connecting the database by JDBC and the security of the system, it will give some highlights on the construction of Chinese mobile commerce.