SYSTEM FOR GENERATING AND TRACKING OFFERS CHAIN OF TITLES

1 . A method for processing orders external to a point of sale system and a payment processing system, the method comprising the steps of:

identifying and cataloging offers from external sources;

receiving transaction data via a vault system;

determining that transaction data associated with the purchase transaction and stored payment credentials meets or exceeds a criteria of an offer of the catalogued offers;

automatically redeeming a first currency value of the offer;

converting, by an offer system with a processor, the first currency value into an amount of a second currency of the offer system based on a current exchange rate between the first currency value associated with the offer and the second currency; and

crediting, by the offer system with the processor, the amount to a ledger of an account associated with the payment credentials in the second currency.

2 . The method of claim 1 , further comprising the steps of:

determining a currency associated with a physical location of the user device;

converting a new value of the ledger into the currency associated with the location of the user device based on a current exchange rate between the second currency and the currency associated with the location of the user device; and

sending data representative of the new value in the currency associated with the physical location of the user device to the user device.

3 . The method of claim 1 , further comprising the steps of:

receiving a request from a user device associated with the account to transfer a portion of the ledger to a third-party system;

determining a currency associated with the third-party system; and

converting the portion of the second currency credited to the ledger into a second amount of the currency associated with the third-party system based on a current exchange rate between the second currency and the currency associated with the third-party system.

4 . The method of claim 3 , wherein the currency associated with the third party system is determined based at least in part on a physical location associated with the third party system, a government entity associated with the third party system, or a selection by the third party system.

5 . The method of claim 1 , wherein the transaction data is further received in tokenized form.

6 . A system for processing orders external to a point of sale system and a payment processing system, the system comprising:

one or more hardware communication interfaces that redeems an offer with a coupon settlement system via the one or more hardware communication interfaces, when transaction data is determined to meet or exceed a criteria for the offer;

one or more processors;

computer-readable storage media storing computer-executable instructions which, when executed by the one or more processors, cause the one or more processors to:

identify and catalog offers from external sources;

receive, via the one or more hardware communication interfaces and a vault system, the transaction data for the purchase transaction at a point of sale device;

determine that the transaction data associated with the purchase transaction and stored payment credentials of the user meets or exceeds the criteria of the offer of catalogued offers;

receive a first currency value associated with the offer from the coupon settlement system;

convert the first currency value into an amount of second currency of the coupon settlement system based on a current exchange rate between the first currency value and the second currency; and

credit the amount of second currency of the coupon settlement system to a ledger of an account associated with the stored payment credentials of the user.

7 . The system of claim 6 , wherein the computer-readable storage media stores additional computer-executable instructions, which when executed by the one or more processors cause the one or more processors to:

receive a request from a user device associated with the account to transfer a portion of the second currency credited to the ledger to a third party system;

determine a third currency associated with a third party system; and

convert the portion of the second currency credited to the ledger into a second amount of the third currency based on a current exchange rate between the second currency and the third currency.

8 . The system of claim 7 , wherein the currency value associated with the offer and the third currency are the same.

9 . The system as recited in claim 7 , wherein the third party system is at least one of:

a merchant system;

a financial system;

a charity system; or

a marketplace system.

10 . The system of claim 6 , wherein the computer-readable storage media stores additional computer-executable instructions, which when executed by the one or more processors cause the one or more processors to:

receive a request from a user device associated with the account to access the ledger;

determine a fourth currency associated with a physical location of the user device;

convert a new value of the ledger into the fourth currency based on a current exchange rate between the second currency and the third currency; and

send data representative of the new value in the fourth currency.

11 . The system of claim 10 , wherein the computer-readable storage media stores additional computer-executable instructions, which when executed by the one or more processors cause the one or more processors to:

receive a second request from a second user device associated with the account to access the ledger;

determine a fifth currency associated with a physical location of the second user device;

convert a second value of the ledger into the fifth currency based on a current exchange rate between the second currency and the fifth currency; and

send data representative of the second value in the fifth currency to the second user device.

12 . The system of claim 6 , wherein the computer-readable storage media stores additional computer-executable instructions, which when executed by the one or more processors cause the one or more processors to:

receive a request from the user device associated with the account to access the ledger; and

send data representative of the currency value in the second currency to the user device.

13 . The system of claim 6 , wherein the one or more processors further determines that the offer was not redeemed at the point of sale system.

14 . The system of claim 6 , wherein the transaction data is in tokenized form.