Internet bank U disc KEY ciphering, authentication device and method

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