1. A method for purchasing goods and services in transactions utilizing a valued card, said method comprising: issuing to a card owner from an issuing institution a valued card pursuant to an agreement between the card owner and the issuing institution, the valued card having a purchase value provided by the card owner and an expiration date associated therewith; transferring the valued card from the card owner to a recipient having authority to purchase goods and services utilizing at least a portion of the purchase value; and reimbursing the card owner a percentage of a remaining balance of the purchase value at the expiration date pursuant to the agreement, the remaining balance equal to a difference between the purchase value and the portion of the purchase value utilized by the recipient.