set(電子商務行業)

安全電子交易協定(Secure Electronic Transaction簡稱SET) 由威士(VISA)國際組織、萬事達(MasterCard)國際組織創建，結合IBM、Microsoft、Netscope、GTE等公司制定的電子商務中有關安全電子交易內容的一個國際標準。

安全電子交易協定SET是一種套用於網際網路（Internet）環境下，以信用卡為基礎的安全電子交付協定，它給出了一套電子交易的過程規範。通過SET協定可以實現電子商務交易中的加密、認證、密鑰管理機制等，保證了在網際網路上使用信用卡進行線上購物的安全。

基本介紹

• 中文名：安全電子交易協定
• 外文名：Secure Electronic Transaction
• 簡稱：SET
• 創建組織：威士國際組織、萬事達國際組織

中文

其主要目的是解決信用卡電子付款的安全保障性問題，這包括：保證信息的機密性，保證信息安全傳輸，不能被竊聽，只有收件人才能得到和解密信息；保證支付信息的完整性，保證傳輸數據完整接收，在中途不被篡改；認證商家和客戶，驗證公共網路上進行交易活動包括會計機構的設定、會計人員的配備及其職責權利的履行和會計法規、制度的制定與實施等內容。合理、有效地組織會計工作，意義重大，它有助於提高會計信息質量，執行國家財經紀律和有關規定；有助於提高經濟效益，最佳化資源配置。會計工作的組織必須合法合規。講求效益，必須建立完善的內部控制制度，必須有強有力的組織保證。

英文原文

People today pay for online purchases by sending their credit card details to the merchant. A protocol such as SSL or TLS keeps the card details safe from eavesdroppers, but does nothing to protect merchants from dishonest customers or vice-versa. SET addresses this situation by requiring cardholders and merchants to register before they may engage in transactions. A cardholder registers by contacting a certificate authority, supplying security details and the public half of his proposed signature key. Registration allows the authorities to vet an applicant, who if approved receives a certificate confirming that his signature key is valid. All orders and confirmations bear digital signatures, which provide authentication and could potentially help to resolve disputes.

A SET purchase involves three parties: the cardholder, the merchant, and the payment gateway (essentially a bank). The cardholder shares the order information with the merchant but not with the payment gateway. He shares the payment information with the bank but not with the merchant. A set dual signature accomplishes this partial sharing of information while allowing all parties to confirm that they are handling the same transaction. The method is simple: each party receives the hash of the withheld information. The cardholder signs the hashes of both the order information and the payment information. Each party can confirm that the hashes in their possession agrees with the hash signed by the cardholder. In addition, the cardholder and merchant compute equivalent hashes for the payment gateway to compare. He confirms their agreement on the details withheld from him.

All parties are protected. Merchants do not normally have access to credit card numbers. Moreover, the mere possession of credit card details does not enable a criminal to make a SET purchase; he needs the cardholder’s signature key and a secret number that the cardholder receives upon registration. The criminal would have better luck with traditional frauds, such as ordering by telephone. It is a pity that other features of SET (presumably demanded by merchants) weaken these properties. A merchant can be authorized to receive credit card numbers and has the option of accepting payments given a credit card number alone.

SET is a family of protocols. The five main ones are cardholder registration, merchant registration, purchase request, payment authorization, and payment capture. There are many minor protocols, for example to handle errors. SET is enormously more complicated than SSL, which merely negotiates session keys between the cardholder’s and merchant’s Internet service providers. Because of this complexity, much of which is unnecessary, the protocol is hardly used. However, SET contains many features of interest:

The model is unusual. In the registration protocols, the initiator possesses no digital proof of identity. Instead, he authenticates himself by filing a registration form whose format is not specified. Authentication takes place outside the protocol, when the cardholder’s bank examines the completed form.

The dual signature is a novel construction. The partial sharing of information among three peers leads to unusual protocol goals.

SET uses several types of digital envelope. A digital envelope consists of two parts: one, encrypted using a public key, contains a fresh symmetric key K and identifying information; the other, encrypted using K, conveys the full message text. Digital envelopes keep public-key encryption to a minimum, but the many symmetric keys complicate the reasoning. Most verified protocols distribute just one or two secrets.

SET系統的組成

編輯

SET支付系統主要由持卡人（CardHolder）、商家（Merchant）、發卡行（Issuing Bank）、收單行（Acquiring Bank）、支付網關（Payment Gateway）、認證中心（Certificate Authority）等六個部分組成。對應地，基於SET協定的網上購物系統至少包括電子錢包軟體、商家軟體、支付網關軟體和簽發證書軟體。

工作流程

1）消費者利用自己的PC機通過網際網路選定所要購買的物品，並在計算機上輸入訂貨單、訂貨單上需包括線上商店、購買物品名稱及數量、交貨時間及地點等相關信息。

2）通過電子商務伺服器與有關線上商店聯繫，線上商店作出應答，告訴消費者所填訂貨單的貨物單價、應付款數、交貨方式等信息是否準確，是否有變化。

3）消費者選擇付款方式，確認訂單簽發付款指令。此時SET開始介入。

4）在SET中，消費者必須對訂單和付款指令進行數字簽名，同時利用雙重簽名技術保證商家看不到消費者的帳號信息。

5）線上商店接受訂單後，向消費者所在銀行請求支付認可。信息通過支付網關到收單銀行，再到電子貨幣發行公司確認。批准交易後，返回確認信息給線上商店。

6）線上商店傳送訂單確認信息給消費者。消費者端軟體可記錄交易日誌，以備將來查詢。

7）線上商店傳送貨物或提供服務並通知收單銀行將錢從消費者的帳號轉移到商店帳號，或通知發卡銀行請求支付。在認證操作和支付操作中間一般會有一個時間間隔，例如，在每天的下班前請求銀行結一天的帳。

前兩步與SET無關，從第三步開始SET起作用，一直到第六步，在處理過程中通信協定、請求信息的格式、數據類型的定義等SET都有明確的規定。在操作的每一步，消費者、線上商店、支付網關都通過CA（認證中心）來驗證通信主體的身份，以確保通信的對方不是冒名頂替，所以，也可以簡單地認為SET規格充分發揮了認證中心的作用，以維護在任何開放網路上的電子商務參與者所提供信息的真實性和保密性。