A method for loading and disbursing an electronic amount of money represented by a random number sequence to a portable data carrier, wherein the amount of money is formed by a predetermined number of money units and the random number sequence is formed by an array of the same number of random numbers, wherein - the random number sequence has been generated by a pseudo random-number generator (CSPRNG) of a background system, wherein the random number sequence has been generated on the basis of at least one secret key, - in the data carrier a pseudo random-number generator (CSPRNG) is implemented, with which random numbers can be generated on the basis of at least the secret key, and - the secret key is individual to the data carrier, - a unique identifier is allocated to the data carrier, and wherein the random numbers of the random number sequence have been or are generated on the basis of at least the secret key and the unique identifier of the data carrier, and - the amount of money is loaded to the portable data carrier by so storing the number of money units and the secret key in the portable data carrier that by means of the pseudo random-number generator (CSPRNG) implemented in the data carrier and employing the stored money units and the stored secret key the random number sequence can be generated and output from the data carrier, - and at least a partial amount of the amount of money is disbursed from the portable data carrier in that, by means of the pseudo random-number generator (CSPRNG) implemented in the data carrier and employing the stored money units and the stored secret key, the random number sequence is generated and output from the data carrier and the number of money units that corresponds to the partial amount is deleted in the data carrier. - the random number sequence has been generated by a pseudo random-number generator (CSPRNG) of a background system, wherein the random number sequence has been generated on the basis of at least one secret key, - in the data carrier a pseudo random-number generator (CSPRNG) is implemented, with which random numbers can be generated on the basis of at least the secret key, and - the secret key is individual to the data carrier, - a unique identifier is allocated to the data carrier, and wherein the random numbers of the random number sequence have been or are generated on the basis of at least the secret key and the unique identifier of the data carrier, and - the amount of money is loaded to the portable data carrier by so storing the number of money units and the secret key in the portable data carrier that by means of the pseudo random-number generator (CSPRNG) implemented in the data carrier and employing the stored money units and the stored secret key the random number sequence can be generated and output from the data carrier, - and at least a partial amount of the amount of money is disbursed from the portable data carrier in that, by means of the pseudo random-number generator (CSPRNG) implemented in the data carrier and employing the stored money units and the stored secret key, the random number sequence is generated and output from the data carrier and the number of money units that corresponds to the partial amount is deleted in the data carrier.