一种SET协议中持卡者端的实现策略

An Implementation Strategy for SET Protocol's Cardholder

SET（Secure Electronic Transaction，安全电子交易协议）是由Visa和MasterCard公司于1997年5月联合开发的一个为了在Internet上进行在线交易时保证信用卡支付安全的一个开放的规范。目前，绝大多数的SET协议持卡者端的实现是一个称为电子钱包的“胖”客户端，用户使用起来并不是很方便，该文所描述的采用服务器钱包的策略，即将原来的电子钱包分为电子钱包服务器与电子钱包客户端，简化了用户对电子钱包的使用，促进了基于SET协议的电子商务应用解决方案的推广。

Visa and MasterCard have jointly developed the SET (secure electronic transaction) protocol as a method to secure payment card transactions over open networks in 1997. SET is being published as an open specification for the industry. The current realization of most SET-cardholder is a so-called e-wallet that is fat. The fat-client brings out many inconveniences to users. In this paper, the introduced strategy can facilitate the usage of e-wallet and then improve the population of SET-based e-commerce solutions.