Payment is the foundation of the financial facilities. In the Internet era，especially in the era of broadband mobile Internet，accounts，channels，tools，terminals and other elements of the standard payment system are constantly in innovation，and also lead to other financial innovation. This article mentions from the opening of the account and the opening of management right，that each participation in the field of payment and finance should communicate and share together，analyzes co-operation and conflict challenges of network digital currency and the existing monetary system，interprets several innovation modes combined with finance，and explains the fundamental and facilitate role that the payment innovation is to the whole financial innovation.