This　paper　introduces　the　principle　of　standard　SSL　protocol　and　analyzes　its　limitations　first.　Then　the　chip　based　SSL　protocol　is　proposed.　This　protocol　uses　the　chip　technology　to　improve　the　performance　of　standard　SSL　protocol,　including　more　secure　key　storage,　more　secure　algorithms　and　greater　speed.　Furthermore,　the　CSK　(Combined　Symmetric　Key)　algorithm　is　used　to　generate　the　rapid　authentication　code　and　improve　the　authentication　speed　in　the　handshake　protocol　of　SSL,　replacing　the　traditional　PKI　certificate　mechanism.　©　2010　IEEE.