Abstract: To deal with the generation and validation of the electronic seal in the commercial bank，a new encryption technique of seal is proposed.The new technique mixes many cryptology mechanisms which include symmetric encryption algorithm，asymmetric encryption algorithm and Hash scheme.This paper researches these cryptology mechanisms and analyzes their advantages and disadvantages.Furthermore，the generation and design validation mechanism of the electronic seal are realized，which ensure electronic seal against forgery and disavow.Finally，the security and efficiency of the mechanism are proved by system testing and stress testing.

Key words: electronic seal, symmetric encryption algorithm, asymmetric encryption algorithm, Hash scheme, system testing, stress testing

摘要： 针对商业银行电子印鉴生成和识别所面临的问题，研究了融合多特征的电子印鉴加密技术。主要融合了对称密码算法、非对称密码算法、哈希函数等技术方法，分析了各种算法的优缺点，结合非对称密码算法和对称密码算法保证电子印鉴计算的安全，同时通过使用哈希函数和数字签名技术保证了所签电子印鉴的不可抵赖，实现了电子印鉴的生成和核验。并且结合实际系统进行了系统测试和压力测试，结果表明该技术具有较高的安全性和效率。

关键词: 电子印鉴, 对称密码算法, 非对称密码算法, 哈希函数, 系统测试, 压力测试