Procedure to secure and initiate identified bankcard payment transaction, software for the said purpose and communication equipment containing such software

摘要

The invention relates to a method for performing authenticated bank card payment transaction, comprising registering a user (12) having a communication device (10) suitable for data communication through a communication channel (25) and comprising data storage (14) and data input interface (26). The method comprises the steps of: providing the user (12) with a transaction initiating program (16) executable on the communication device (10), assigning to the user (12): a user pin code (12b) and a unique identifier (18) of the user (12); allowing the user (12) via the program (16) to input transaction data (40), bank card data (22), the user pin code (12b) and the unique identifier (18), allowing the user (12) via the program (16) to generate and transmit through a communication channel (25) a transaction data package (50) comprising the transaction data (40), bank card data (22), the user pin code (12b) and the unique identifier (18), receiving the transmitted data package (40) and opening it, authenticating the user (12) on the basis of the unique identifier (18) and the pin code (12b), and transmitting the transaction data (40) and the bank card data (22) to a transaction performing unit (34).