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Note that Merchants and Financial Organizations have separate asymmetric key-pairs for the "symmetric key-exchange" and digital signature process.
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Note cardholders do not need a key exchange key-pair
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Note digital signature certificates are exchanged in protocol and need not be known ahead of time whereas one must know the public key with which to encrypt the secret key
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SET uses what they call a dual signature but which is really a signed double message
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Often one needs to conduct a transaction where two parts are intrinsically linked e.g. An offer from Bob to Alice to buy her property and an authorization to the bank to transfer the funds
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Bob wishes the offer to be seen by Alice but keep the bank authorization confidential
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