Preheat oven to 350 degrees F.
Line a cookie sheet with foil and lightly spray with nonstick cooking spray; set aside.
Using a flour-shaped cookie cutter, cut 2 flowers from each tortilla. Place on prepared pan and spray top of each cutout lightly with nonstick cooking spray. Bake for 5 to 7 minutes. Carefully remove pan from oven and cool for 5 minutes.
Cut each slice of cheese into a flour shape with the cookie cutter; set aside.
Spread about ½ teaspoon refried black beans onto each baked tortilla. Top each on with a flower-shaped cheese slice, and place an olive in the center of each.
Return pan to oven and bake for 5 to 7 minutes or until cheese begins to melt. Carefully remove from oven and serve immediately.