随着科技的发展，在信息社会里，人们用信息流通代替现钞流通，利用现代通讯和计算机科学进行支付和结算，这便是现在金融领域里正在进行的金融电子化工程．同钞、币一样，代替它的信息也有一个安全问题，即防止伪造、诈骗、窃取问题。于是有关学者、专家从硬件、软件各个方面 With the development of science and technology, in the information society, people use the circulation of information to replace the circulation of cash and use modern communications and computer science to pay and settle the financial electronic engineering that is going on in the financial field. As with money and money, there is also a security issue in place of its message, that is, to prevent counterfeiting, fraud and theft. So scholars, experts from the hardware and software in all aspects