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At this point the browser generates a session key for a symmetrical encryption. This session key is now encrypted with the open/public key of the merchant and is sent to him.
From this point on, the whole communication between the customer and the merchant is encrypted as well as decrypted with the key that is known to both parties.
Secure Electronic Transaction (SET)
A development of the SSL protocol is SET. SET is a protocol for the secure transmission of credit card information - especially on the internet. This system uses digital signature.
When the customer gets into contact with the merchant his wallet sends the merchant an initialisation request...
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