Which of the following is a distinctive feature of the Secure Electronic Transactions (SET) protocol when used for electronic credit card payments? 
A、The buyer is assured that neither the merchant nor any other party can misuse their credit card data. 
B、All personal SET certificates are stored securely in the buyer's computer. 
C、The buyer is liable for any transaction involving his/her personal SET certificates. 
D、The payment process is simplified, as the buyer is not required to enter a credit card number and an expiration date.