Greater protection for credit card holders: A revised SET protocol

Jing Jang Hwang; Sue Chen Hsueh

doi:10.1016/S0920-5489(97)00003-2

Greater protection for credit card holders: A revised SET protocol

Jing Jang Hwang^*, Sue Chen Hsueh

^*Corresponding author for this work

National Yang Ming Chiao Tung University

Research output: Contribution to journal › Journal Article › peer-review

6 Scopus citations

Abstract

MasterCard International and VISA International recently proposed the Secure Electronic Transaction (SET) protocol. Constrained by being an extension of the existing card payment networks to the Internet, SET does not satisfy the concern about privacy infringement, in particular, caused by data aggregation. This paper revises SET, guided by the principle of information segregation and hiding. The revision allows cardholders to take part in account reporting, and offers them a credit card surrogate to conceal their credit card identification in the electronic marketplace. The result is a successful counter to privacy infringement in both the small scope of a transaction and the much broader scope of data aggregation.

Original language	English
Pages (from-to)	1-8
Number of pages	8
Journal	Computer Standards and Interfaces
Volume	19
Issue number	1
DOIs	https://doi.org/10.1016/S0920-5489(97)00003-2
State	Published - 01 1998
Externally published	Yes

Keywords

Credit card
Data aggregation
Electronic commerce
Payment system
Privacy
Public-key certificate

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10.1016/S0920-5489(97)00003-2

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abstract = "MasterCard International and VISA International recently proposed the Secure Electronic Transaction (SET) protocol. Constrained by being an extension of the existing card payment networks to the Internet, SET does not satisfy the concern about privacy infringement, in particular, caused by data aggregation. This paper revises SET, guided by the principle of information segregation and hiding. The revision allows cardholders to take part in account reporting, and offers them a credit card surrogate to conceal their credit card identification in the electronic marketplace. The result is a successful counter to privacy infringement in both the small scope of a transaction and the much broader scope of data aggregation.",

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AB - MasterCard International and VISA International recently proposed the Secure Electronic Transaction (SET) protocol. Constrained by being an extension of the existing card payment networks to the Internet, SET does not satisfy the concern about privacy infringement, in particular, caused by data aggregation. This paper revises SET, guided by the principle of information segregation and hiding. The revision allows cardholders to take part in account reporting, and offers them a credit card surrogate to conceal their credit card identification in the electronic marketplace. The result is a successful counter to privacy infringement in both the small scope of a transaction and the much broader scope of data aggregation.

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KW - Data aggregation

KW - Electronic commerce

KW - Payment system

KW - Privacy

KW - Public-key certificate

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Greater protection for credit card holders: A revised SET protocol

Abstract

Keywords

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