It was determined a risk point in the payment model with electronic money, which is the time of the consumer’s withdrawal and time of the provider’s deposit. The problem is the damage caused to the information by the lack of a model to mitigate the risks to which the transactions of the payment system are exposed. The objective is to generate a prototype of a security model for the management of electronic money in Ecuador through the adoption of a cryptographic algorithm and improve the transactions security. It was used exploratory and deductive research as a method to analyze the reference information and the sequence of steps for the development of a prototype. It turned out a conceptual model of the participants in Ecuador; prototype electronic money security model; a prototype algorithm applied to the security of electronic money; a flow chart of the payment with electronic money; a mathematical formula to calculate the load of the model. It was concluded that the adoption of the AES algorithm in a security model for transactions generated in financial inclusion is robust and effective; this research has an alternative for the management of electronic money.