Heat oil in a medium pot over medium-high heat.
Add chopped onions and bell peppers, cooking and stirring for 3 to 5 minutes until they start to soften.
Add cumin, salt, cayenne pepper, minced jalapeno, and minced garlic.
Cook for 30 seconds while stirring continuously to ensure even cooking.
Add the tomatoes and their juices and stir well.
Reduce heat and let the mixture simmer for about 10 minutes until slightly thickened.
While the sauce is simmering, lightly fry the corn tortillas in a small amount of oil until crispy.
Set them aside on a paper towel to drain excess oil.
In the same skillet, fry the eggs sunny side up until the whites are set but the yolks remain runny.
Spread a thin layer of refried beans on each tortilla.
Top each with a fried egg.
Spoon the tomato sauce over the eggs and garnish with fresh cilantro and crumbled queso fresco.