The utility model discloses an
encryption and
authentication method for U disk KEYS used at
the internet banking, which comprising following steps: 1) a digital
certificate is generated according to the information of the users; 2) the generated digital
certificate in the first step and a public key, together with a private key, and a management
software are stored in the U disk KEY allocated to the users; 3) when used,
data processing at
the internet banking is done after the users are identified with the U disk KEY. The utility model also discloses an
encryption and
authentication apparatus for the U disk KEY at
the internet banking, mainly comprising a U disk KEY, a mainframe, a networked computer and an
application server. Through the utility model, the ordinary
USB KEY and the U disk
memory chip are organically integrated as a whole which has a memory function of the U disk; the necessary management
software for the use of the
USB KEY and other programs are stored and used as a whole, and the process of the
software installation is rapid and simple just by maintaining the necessary selection procedures in the installation process of the users, moreover, coding rules for passwords are not constrained and the ways for certificates management are more reasonable and easy to be operated.