Abstract: The present invention relates to systems for completing sales to a consumer with a new card that combines the process of dispensing pre-purchased commodities from a customer account at the point of sale as well as the ability to complete the transaction with a credit and debit function. The present invention includes a distributed system having at least a part for sales of a commodity and at least one a part for dispensing of a commodity. The distributed system includes a communication connection between the parts. A first entity uses the first part of the distributed system to sell commodities to a consumer to be dispensed at a later time. The consumer obtains the commodities in differing amounts from the amounts sold from a second entity. The second entity uses the second part of the distributed system and the communication link between the first and second parts of the distributed system to verify amounts available to be dispensed to the consumer.