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To: David who wrote (16336)	1/11/2000 10:19:00 PM
From: steve	Read Replies (1) of 26039

David, :)Yet again, I'll have to preface this with I don't know what I'm talking about, but... I'm thinking that SET is primarily an encryption mechanism for secure transmission of data, the message being sent is the same as the message received. The only(?) way to positively authenticate the card holder is by personal contact with a reader. We know there are smartcards with fingerprint templates out there being piloted somewhere. If biometrics are going to be used to authenticate a card holder by some sort of entity, there will have to be some space on that chip for a template. That doesn't mean that every system is using biometrics, or SET, but IMO, biometrics and SET would have to be included in the standard that has been developed. EMV smart cards contain a small computer chip that is capable of securely storing data that uniquely identifies the card and authenticates the cardholder. Standing by for my next lesson. steve

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