Abstract: At present, China's railway has fully promoted the implementation of e-ticket.In order to further meet the needs of intercity passengers and provide more intelligent and convenient travel services, based on mobile payment technology and electronic account application, the application system and equipment of e-ticket were fully utilized to study the application of the new generation of China Railway&Banking Expresspay Card.Based on the simple and applicable principle of "one key to open card, one key to recharge and one code to ride", this paper designed product functions and studied the integrated process of self-service inspection, checking and riding payment with twodimensional code as the carrier.The research results have been applied in some intercity railways with good results.