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Along with the development of mobile E-commerce, its security problem received more and more attention, and becomed the main factor that affects its development. To address this, we proposed a new Mobile E-commerce system solution that can be used for mobile payment without changing mobile device hardware configuration by connecting to an special and exteral security electronic device. This electronic security device is connected to the mobile device through adaptable interface for enhancing the security ability and storing private data. As an application, we implement a mobile payment system consists of the front end administration module on the mobile device, backend administration module on the server and electronic device as the security module. This solution realizes the high security and low cost of mobile payment, has good applied value and marketable foreground.