Technological development offers more and more opportunities for people to make electronic payments. From payments via credit / debit cards, then payments via mobile or IoT devices to payments via blockchain technology, they are constantly evolving and becoming simpler, faster, more convenient and more secure. This paper aims to address a number of issues such as the benefits and challenges of payments through blockchain technology. Also, based on the analysis of a developed prototype, the paper will present the sequence of blockchain money transfer operations, the possible states of a transaction, as well as the information that will be processed and stored so that the transfer is successfully completed. The research methodology is qualitative; In this sense, we conducted a research of the resources available at this time and addressing the subject of electronic payments based on blockchain technology and, in parallel, the paper will follow the analysis of the prototype developed so that the results are as objective and consistent with practical use.

Keywords : Blockchain, Electronic Payments, Smart Wallet.