OVERVIEW
=========
Welcome to the SET Draft Reference Implementation, Version 1.0
(SETREF v1.0). The SET protocol was developed by MasterCard
International, Visa International, and their technology partners (GTE, IBM, Microsoft, Netscape Communications Corp., SAIC, Terisa Systems and VeriSign).

RELEASE OVERVIEW
==================
SETREF provides the source code to a preliminary low-level
implementation of the SET v1.0 protocol, suitable for developers who
wish to gain experience with the SET protocol by examining actual source
code.

License restrictions prevent the inclusion of cryptographic
libraries at this time.  In order to build and run the demo programs,
the BSAFE cryptographic library must be obtained through other means.

What's included
----------------------
* Low-level implementation of payment and registration flow messages, 
  including batch, credit, reversal, and inquiry messages.

* Command-line demonstration program illustrating sample payment and 
  registration flows.

* SET "Version 1" compatibility

* Web-based demonstration programs illustrating a sample payment flow.

* Sample SET certificate chains for cardholder, merchant, and acquirer
  payment gateway.

* Documentation, in HTML form.

What's yet to come
--------------------------
A number of features are slated for later releases:

* BrandCRLIdentifier processing

* Sample CRLs

* Automatic Trusted Root rollover

Interoperability notes
----------------------------
SETREF provides "over-the-wire" conformance to the current specification
of the SET protocol, both in structure and in cryptographic treatment
of messages.  Because of the conformance to the SET ASN.1 and
cryptographic processing rules, SETREF is structurally and
cryptographically interoperable with other implementations of the
SET protocol.  Structural interoperability implies that protocol
messages encoded by this implementation are decodable by other implementations
and vice versa.

Platforms
-------------
SETREF was built and tested under SunOS 4.1.3 and Windows 95 (the latter
with Microsoft's Visual C++ 4.1).

Documentation
--------------------
The documentation resides in the directory setref/doc/draft/html and
consists of a Theory of Operation, Implementor's Guide, and API
Reference Guide.  The root page for the documentation is
setref/doc/draft/html/index.html.

Building
-----------
SETREF is distributed in the following files:

   For SunOS 4.1.3:
        setref_v1_0.tar.gz

   For Windows:
        setref_v1_0.zip

1. If you have received the Windows distribution on two floppy disks,
you need to restore the setref_v1_0.zip file for Windows as follows:

   On Windows:
        It is distributed on two floppy disks.
        Extract setref_v1_0.zip.1 from one floppy and
        setref_v1_0.zip.2 from the other.  Using the MS-DOS prompt, do 
        the following to restore the setref_v1_0.zip file:
            copy /b setref_v1_0.zip.1+setref_v1_0.zip.2 setref_v1_0.zip

2. Unpack the setref_v1_0 distribution.

   On SunOS 4.1.3:
	gunzip -c setref_v1_0.tar.gz | tar xf -

   On Windows:
        Open WinZip on setref_v1_0.zip and use the "Extract" button to
        unpack it.

3. The Unix version has already been expanded on the CD