Dramatic changes are beginning to occur in payment system according to increase electronic commerce. and so electronic money as a new payment system are increase role in new and innovative systems. There are two type Electronic money as a IC card type and network-type. Advanced card technologies such as IC-card are playing an increasingly important role in new and Innovation system. The merit of IC-card are more capacity, more secure, more reliable, quick and easy to update, secure offline processing, enabling technology etc than magnetic stripe card. And so many countries began using experiment of IC- card and our country began October 13 in Cheju island. Then there are four types using-experiment (K-cash, VISA-cash, A-cash, MONDEX) in Korea. There are some problems such as standards, widely using, high cost, double investment etc. I think that important things in IC-card using is an international- standardizations and issuing corporation.