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sümmeetrilise võtme ja krüptib selle, kasutades Alice-i avalikku võtit, saadab Alice-le; e) Alice dekrüptib sümmeetrilise võtme) ning suhtlus võib alata, kasutades edaspidi alguses genereeritud sümmeetrilise võtmega krüptitud andmeid. 66. E-kommerts, SET The SSL-enabled servers and browsers provide a platform for payment card transactions. SSL was not designed for payment card transactions, but for secure communication between a client and a server. So SSL lakcs many features that the payment card industry would like to see on an Internet commerce protocol. SSL does not indicate whether the web site's company is authorized to accept payment card purchases nor if the company is a reliable merchant. Similar problem with client authorisation - the client certificate does not tie a person to a specific authorized payment card; thus the company has no assurance that the person is authorized to make a payment card purchase.