BigPatents India

The invention relates to reloadable payment cards, in particular to a method for paying a transaction carried out with a merchant by a prepaid payment card delivered by a financial intermediary comprising reloading steps for modifying information concerning the available balance of a bankcard owner on a management computer consisting in reloading by means of prepaid coupon to which a single identification number is assigned and a predefined sum is predefined, wherein said management server contains a data base of single coupon numbers and the validity state and value corresponding thereto. The reloading steps consist in transmitting said coupon identifier and said bankcard identifier to the management server, in verifying the validity of the received coupon identifier by said management server, in determining the denomination of a sum assigned to the coupon, in modifying the validity state of a consumed coupon and in updating the account balance of said bankcard.