Method for managing a financial transaction

A system comprising

• a payment instrument;
• and
• a personal device.
• wherein the payment instrument is assigned to a user, the payment instrument is configured to get a transaction data from the payment terminal in response to a first tap with the payment terminal leading to the start of a financial transaction;
• wherein the payment instrument comprises a preset parameter indicating whether a three-tap option is enabled and is configured to monitor the parameter during the first tap;
• and
• wherein, if the payment instrument detects that the parameter indicates that the three-tap option is enabled, the payment instrument is configured:
• to record a first indicator indicating that the financial transaction is in progress;
• in response to a second tap with a personal device to send a subset of the transaction data to the personal device and to record a second indicator indicating that the payment instrument sent the subset to the personal device,
• in response to a third tap with the payment terminal, to use said first and second indicators for performing a check specified by a security policy stored in the payment instrument, said security policy specifying that the financial transaction should be in progress and said subset should have been sent to the personal device;
• in case of successful check, to continue treatments required by the financial transaction, and in case of unsuccessful check, to reject the financial transaction;
• wherein the payment instrument comprises a first key and the personal device comprises a second key, both said first and second keys defined during a pairing operation;
• wherein in response to the second tap, the payment instrument and the personal device are configured to establish a secure channel using both said first and second keys;
• and wherein the payment instrument and the personal device are configured to exchange data through the secure channel.