Abstract:In electronic payment system, it is more suitable to introduce the distributed electronic bank scheme in networks environment. However, in current scheme, the users obtain their cards issued by the bank in which they have opened their accounts and withdraw and store their e-coin at the bank. Due to limits of current network neckbottle and security, dispersed and mobile users in different areas, there are some defects in a practical monadic account e-bank scheme. To solve this, a hierarchically distributed bank scheme is proposed by using an integrated method in which the group signature technique is combined with the proxy signature technique and analysis of the scheme security is given.