中文摘要：

随着互联网应用的普及,网上银行也逐渐深入到人们的生活中。但是,人们对网上银行的安全还存在着许多疑虑,论文首先介绍了基于USB-Key和PKI的网上银行交易模型,并对其安全性进行了分析。然后引入TPM（Trusted Platform Module,可信平台模块）的完整性度量机制和报告机制,提出了基于可信计算平台的网上银行客户端方案。

英文摘要：

With the development of Internet, Internet Bank has become an indispensable part of our daily lives. This paper first presents the business model of Internet Bank based on USB-Key and PKI, and then analyzes its security. Finally, with the introduction of integrity measurement mechanism and integrity reporting mechanism of TPM, the business model for Internet bank based on trusted computing platform is proposed.