：在线知识付费系统是数字经济时代知识管理与知识共享的新兴产物。文章从数字支付体系的发展历程与趋势出发，首先对数字经济时代数字支付体系的技术变革及其维度进行了分析，再对在线知识付费系统的数字支付体系理论、运营模式、技术变革与风险等进行讨论。研究发现，在线知识付费系统的数字支付体系主要有分析批发型、零售型与跨境型等三种类型；批发型主要以提升其安全性和可预测性为主，零售型主要以提升用户体验质量和降低用户成本效益为主，跨境型主要以提升其实时性、透明性、可预测性和可追溯性为主。

Online knowledge payment system is a new product of knowledge management and knowledge sharing in the digital economy era. Starting from the development course and trend of digital payment system, this paper firstly analyzes the technological changes and dimensions of digital payment system, and then analyzes the theory, operation mode, technological changes and risks of the digital payment system of online knowledge payment system. The digital payment system of online knowledge payment system mainly analyzes three types: wholesale type, retail type and cross-border type; wholesale type mainly improves its security and predictability; retail type mainly improves the quality of user experience and reduces the cost-effectiveness of users; cross-border type mainly improves its real-time performance; Transparency, predictability and traceability are the main factors.