The SET ( Secure Electronic Transaction ) is a protocol especially intended to make safe the transactions Internet of payment by Bank card. It was developed at the origin by International Visa and MasterCard, in 1996, with the assistance of the large data-processing companies of planet.
Its field of application is reduced to coding only banking data, contrary to SSL which can quantify the images and the text. The protocol SET implies three parts: the customer, the salesman and the bank of the salesman. This system SET requires certificates near the three parts. The certificates of the customer and the salesman are provided by their respective bank after which the commercial transaction can take place. With the SET, the banking card number can not be known of the salesman, therefore will not be stored in its files and being recovered by a badly disposed person. The SET ensures in theory a transaction of nonrepudiation, but this clause can vary from one country to another following the legislation in force.
If SSL and the SET ensure each one an high degree of confidentiality, only the SET allows a full reciprocal identification of the two parts thanks to a third of confidence, in fact the bank of the salesman. Thus, it makes sure that the chart is good and that it was not stolen.
In France, the protocol was used by the system C-Set (Set with use of a software of reader of bank card).
The protocol SET is not operational any more since the beginning of the years 2000, Visa and MasterCard having replaced it par.
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