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Due to InternetÂ¿s explosive and rapid popularity, e-commerce is recognized as a new growth point with the most potential in the future IT industry. E-commerceÂ¿s core issue is the payment. How to make e-commerce operate in a safe and efficient environment is the key of the study. In the paper, a payment model based on the improved SET protocol, and all its software-modules are designed, and its practicality and security are analyzed. The improved SET protocol has optimized the transaction speed, and enhanced the security and applicability of the protocol.