Which protocol makes USE of an electronic wallet on a customer's PC and sends encrypted...

As protocol was introduced by Visa and Mastercard to allow for more credit card transaction possibilities. It is comprised of three different pieces of software, running on the customer's PC (an electronic wallet), on the merchant's Web server and on the payment server of the merchant's bank. The credit card information is sent by the customer to the merchant's Web server, but it does not open it and instead digitally signs it and sends it to its bank's payment server for processing.

The following answers are incorrect because :

SSH (Secure Shell) is incorrect as it functions as a type of tunneling mechanism that provides terminal like access to remote computers.

S/MIME is incorrect as it is a standard for encrypting and digitally signing electronic mail and for providing secure data transmissions.

SSL is incorrect as it uses public key encryption and provides data encryption, server authentication, message integrity, and optional client authentication.

Reference : Shon Harris AIO v3 , Chapter-8: Cryptography , Page : 667-669