Method of assistance in the authentication of a user, said method being implemented within a payment-services providing server, called a payment server, said method comprising: • a phase for collecting, without intervention by said user, at least one piece of operating information about at least one connected object preliminarily associated with said user; • a phase for managing a transaction involving bank data of said user and a merchant, comprising the following steps: ∘ processing said at least one piece of operating information collected during said phase for collecting, said step of processing comprising the following sub-steps: ▪ comparing said collected operating information with a piece of reference operating information, delivering a result of a comparison; ▪ updating a level of trust associated with said transaction as a function of said result of comparison; ▪ delivering of at least one piece of data representing a level of trust associated with said transaction; ∘ transmitting, to at least one bank server of said merchant, of said at least one piece of data representing a level of trust associated with said transaction to decide if the transaction of said user can be validated. • a phase for collecting, without intervention by said user, at least one piece of operating information about at least one connected object preliminarily associated with said user; • a phase for managing a transaction involving bank data of said user and a merchant, comprising the following steps: ∘ processing said at least one piece of operating information collected during said phase for collecting, said step of processing comprising the following sub-steps: ▪ comparing said collected operating information with a piece of reference operating information, delivering a result of a comparison; ▪ updating a level of trust associated with said transaction as a function of said result of comparison; ▪ delivering of at least one piece of data representing a level of trust associated with said transaction; ∘ transmitting, to at least one bank server of said merchant, of said at least one piece of data representing a level of trust associated with said transaction to decide if the transaction of said user can be validated. ∘ processing said at least one piece of operating information collected during said phase for collecting, said step of processing comprising the following sub-steps: ▪ comparing said collected operating information with a piece of reference operating information, delivering a result of a comparison; ▪ updating a level of trust associated with said transaction as a function of said result of comparison; ▪ delivering of at least one piece of data representing a level of trust associated with said transaction; ▪ comparing said collected operating information with a piece of reference operating information, delivering a result of a comparison; ▪ updating a level of trust associated with said transaction as a function of said result of comparison; ▪ delivering of at least one piece of data representing a level of trust associated with said transaction; ∘ transmitting, to at least one bank server of said merchant, of said at least one piece of data representing a level of trust associated with said transaction to decide if the transaction of said user can be validated.