Patent ID: 8447669

Claim:
An electronic financial network, comprising: an issuer server system issuing a plurality of cards providing government benefits to one or more recipient; and a commercial payment processing network operable to couple a financial transaction server system and the issuer server system; each of the plurality of cards having a cash value equal to a determined amount of government benefits and encoded with information identifying a recipient of said determined amount of government benefits and said commercial payment processing network; wherein financial transactions are initiated with one of said plurality of cards, each of said plurality of cards including information comprised of: identifying information for a recipient of said card; at least one government benefit to be provided to said recipient of said card; and a cash value for each of said at least one government benefit to be provided to said recipient of said card; and said commercial payment processing network transporting, via a commercial payment processing server system: requests for authorization, sent from the financial transaction server system to the issuer server system, for completion of said financial transactions from said financial transaction server system to said issuer server system; and distinguishable transaction suspension reply messages, sent from the issuer server system to said financial transaction server system, each of the distinguishable transaction suspension reply messages including indicia of a reason for suspending a financial transaction, and required adjustments of a product or a type of product included in the financial transaction, wherein the financial transaction is resumed and conditionally approved upon fulfillment of said required adjustments.