Book 1 of the SET specification lists the following business requirements for secure payment processing with credit cards over the Internet and other networks:

Provide confidentiality of payment and ordering information
Ensure the integrity of all transmitted data
Provide authentication that a cardholder is a legitimate user of a credit card account
Provide authentication that a merchant can accept credit card transactions through its relationship with a financial institution
Ensure the use of the best security practices and system design techniques to protect all legitimate parties in an electronic commerce transaction
Create a protocol that neither depends in transport security mechanisms nor prevents their use
Facilitate and encourage interoperability among software and network providers

To meet the business requirements, SET incorporates the following features:

Confidentiality of information
Integrity of data
Cardholder account authentication
Merchant authentication

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