Secure electronic payment systems are indispensable to the development of electronic commerce (EC). However, a secure electronic payment system will not be widely accepted by users if its cost is high and it is difficult to use. The initial stageof Set Secure Electronic Transaction systems has such characteristics. Integrating SET with an IC card and introducing a server-based Wallet can improve the ease of use of SET. These measures can also improve the security of SET in some aspects, but mayintroduce another level of security problems. These problems will be resolved with enhancements in both business practices and technologies in the future.
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