Brown hamburger, combine with refried beans and cheese. Heat until cheese is melted and beans are warm, put in 9x13 pan. Put tomato juice in small saucepan, combine all spices and flour and add to tomato juice. Whisk to get lumps out. Bring to a boil stirring all the time until thickened. Remove from heat and add sour cream. Pour on top of beans and sprinkle with cheese. Serve with tortilla chips.