Recently, Cao Xiaoqing, vice general manager of China Financial Certification Authority (CFCA), revealed that according to the latest monitoring by CFCA, cyber thieves attacking online banking are showing a tendency of accelerating the updating of their means and techniques. Their attacks have shifted from passwords to digital certificates. If online banking users only download and store their digital certificate on the IE browser of their computer, their online banking account is still at risk - the digital certificate may be stolen due to the computer being infected with Trojan viruses.