Cryptography - The SET protocol

Introduction to SET

SET (Secure Electronic Transaction) is a protocol that was developed by Visa and MasterCard and that uses the SSL standard.

SET is based on the use of an electronic signature from the buyer and a transaction involving not only the buyer and the seller, but also their respective banks.

How SET works

When a secure transaction is made with SET, data are sent by the customer to the seller's server, but the latter receives only the order. The bank card number is directly sent to the merchant's bank, which will be able to read the buyer's bank account details and contact his bank to verify them in real time.

The SET protocol requires the participation of banks

This type of method requires an electronic signature from the card's user to certify he is the card's owner.

Ask a question
CCM is a leading international tech website. Our content is written in collaboration with IT experts, under the direction of Jean-François Pillou, founder of CCM reaches more than 50 million unique visitors per month and is available in 11 languages.
This document, titled « Cryptography - The SET protocol », is available under the Creative Commons license. Any copy, reuse, or modification of the content should be sufficiently credited to CCM (