以下关于SET协议叙述，正确是（ ）。
- A.SET是基于传输层协议
- B.SET使用RSA算法保证数据完整性
- C.SET协议允许商家看到客户账户和密码信息
- D.SET由于协议简单，所以使用成本较低
正确答案及解析
正确答案
解析
本题考查SET协议基本概念。安全电子交易(Secure Electronic Transaction，SET)是目前已经标准化且被业界广泛接受一种网际网络信用卡付款机制。SET是基于应用层。SET协议使用加密技术提供信息机密性，验证持卡者、商家和收单行，保护支付数据安全性和完整性，为这些安全服务定义算法和协议。SET支付系统主要由持卡人、商家、发卡行、收单行、支付网关及认证机构等六个部分组成。SET使用多种密钥技术来达到安全交易要求，其中对称密钥技术(包括：DES算法)、公钥加密技术(包括RSA算法)和Hash算法是其核心。综合应用以上三种技术产生了数字签字、数字信封、数字证书等新概念。SET定义了一个完备电子交流流程，包括持卡人注册申请证书、商户注册申请证书、购买请求、支付认证、获取付款五个步骤。它较好地解决了电子交易中各方之间复杂信任关系和安全连接，确保了电子交易中信息真实性、保密性、防抵赖性和不可更改性。与此同时，SET协议庞大而又复杂，银行、商家和客户均需要改造系统才能实现互操作，因此，SET协议使用成本较高。
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