Method for implementing a payment transaction by means of a payment data structure called a payment container, said payment container comprising at least one piece of data representing a user's bank identifier, said method comprising: - a phase for creating said payment container, implemented by a communications terminal, comprising: - the selection, by the user and by means of a man-machine interface, of at least one attribute of said payment container, said selection comprising the selection of at least one attribute value for at least one of the following parameters: - category of beneficiary of the payment container; - beneficiary of the payment container; - the obtaining, by the communications terminal, of at least one piece of data representing the user's bank card; - the validation, by the user and by means of said man-machine interface, of the creation of the payment container; - the creation, following said validation, of said payment container, said payment container comprising said at least one selected attribute and said at least one piece of data representing the user's bank card; - the transmission, by said communications terminal, of said payment container to a payment container processing server; - the receiving, by said communications terminal, from said processing server, of an identifier assigned to said payment container by the payment container processing server; - a phase for using said payment container for carrying out the payment transaction at a merchant having a payment terminal, comprising: - the receiving, by said payment terminal, from said communications terminal, of said identifier assigned to said payment container by the processing server; - the implementing, by the payment terminal, in relation with the processing server, of the payment transaction. - a phase for creating said payment container, implemented by a communications terminal, comprising: - the selection, by the user and by means of a man-machine interface, of at least one attribute of said payment container, said selection comprising the selection of at least one attribute value for at least one of the following parameters: - category of beneficiary of the payment container; - beneficiary of the payment container; - the obtaining, by the communications terminal, of at least one piece of data representing the user's bank card; - the validation, by the user and by means of said man-machine interface, of the creation of the payment container; - the creation, following said validation, of said payment container, said payment container comprising said at least one selected attribute and said at least one piece of data representing the user's bank card; - the transmission, by said communications terminal, of said payment container to a payment container processing server; - the receiving, by said communications terminal, from said processing server, of an identifier assigned to said payment container by the payment container processing server; - the selection, by the user and by means of a man-machine interface, of at least one attribute of said payment container, said selection comprising the selection of at least one attribute value for at least one of the following parameters: - category of beneficiary of the payment container; - beneficiary of the payment container; - category of beneficiary of the payment container; - beneficiary of the payment container; - the obtaining, by the communications terminal, of at least one piece of data representing the user's bank card; - the validation, by the user and by means of said man-machine interface, of the creation of the payment container; - the creation, following said validation, of said payment container, said payment container comprising said at least one selected attribute and said at least one piece of data representing the user's bank card; - the transmission, by said communications terminal, of said payment container to a payment container processing server; - the receiving, by said communications terminal, from said processing server, of an identifier assigned to said payment container by the payment container processing server; - a phase for using said payment container for carrying out the payment transaction at a merchant having a payment terminal, comprising: - the receiving, by said payment terminal, from said communications terminal, of said identifier assigned to said payment container by the processing server; - the implementing, by the payment terminal, in relation with the processing server, of the payment transaction. - the receiving, by said payment terminal, from said communications terminal, of said identifier assigned to said payment container by the processing server; - the implementing, by the payment terminal, in relation with the processing server, of the payment transaction.