Restricted use currency

A first computer apparatus comprising:

• a processor;
• and
• a computer-readable medium coupled to the processor, the computer readable medium comprising code executable by the processor for implementing a method comprising:
• receiving at a computer apparatus an authorization request message comprising a first merchant identifier, an account identifier associated with an account, and a first transaction amount for a first transaction conducted with a first merchant;
• determining, by the computer apparatus, if the account comprises merchant specific currency associated with the first merchant that may be used to conduct the first transaction;
• and
• determining if there is sufficient merchant specific currency associated with the first merchant in the account to pay for the first transaction amount;
• wherein if there is not sufficient merchant specific currency associated with the first merchant to pay for the first transaction amount, then automatically applying non-specific currency in the account to a remainder of the first transaction amount.

A computer readable medium comprising code executable by a processor, for implementing a method comprising:

• receiving at a computer apparatus an authorization request message comprising a first merchant identifier, an account identifier associated with an account, and a first transaction amount for a first transaction conducted with a first merchant;
• determining, by the computer apparatus, if the account comprises merchant specific currency associated with the first merchant that may be used to conduct the first transaction;
• and
• determining if there is sufficient merchant specific currency associated with the first merchant in the account to pay for the first transaction amount;
• wherein if there is not sufficient merchant specific currency associated with the first merchant to pay for the first transaction amount, then automatically applying non-specific currency in the account to a remainder of the first transaction amount.