Siobhan is explaining to her manager how a Secure Electronic Transactions (SET) orderprocessing system runs. She discusses the steps from the time that the order is placed until it
reaches the merchant. What is the next step that Siobhan must explain?

A.
The merchant generates an authorization request and sends it to the bank, encrypted with the
merchant public key.

B.
The merchant generates an authorization request and sends it to the customer, encrypted with
the customer public key.

C.
The merchant generates an authorization request and sends it to the bank, encrypted with the
bank public key.

D.
The merchant generates an authorization request and sends it to the customer, encrypted with
the merchant public key.