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The most common consumer behavior was to pay in cash at a physical store in the past. However, with the rapid development and popularization of smart handheld devices and computers, merchants have had many innovative business models in recent years. For example, the digital cryptocurrency Bitcoin has the advantages of decentralization, anonymity, and the inability to tamper with data. If these benefits are combined with the current electronic payment financial operation model, they will be highly innovative. However, blockchain technologies have been applied to decentralized network architectures. As a result, the financial system will face anonymous crime, extensive data synchronization, and time-consuming transaction processes. This paper implements a P2P electronic payment system with a hierarchical structure based on the blockchain architecture, called CBP2P (Cooperative Bank Peer-to-Peer), to improve the defects and realize an accurate electronic payment system. Through the characteristics of the blockchain and cooperation between banks, we will enhance the security and availability of the system.