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Secure Electronic Transaction (SET) is a standard e-commerce protocol for securing credit card transactions over insecure networks. In a transaction using SET, all the members need public key certificates in order to authenticate their public key. Certificates are created by Certificate Authorities (CAs), The process of getting certificates from a Certificate Authority(CA) for any SET participants involves a large number of procedures like sending request to issue a certificates, getting approval or rejection of request and finally obtain the certificates, which is essentially time consuming as because these are associated with certificate management, including renew, revocation, storage and distribution and the computational cost of certificate verification, also the chain of verification can be quite long, depending on the certificate hierarchy.
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