SYSTEM FOR GENERATING AND TRACKING OFFERS CHAIN OF TITLES

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

one or more communication interfaces;

one or more processors; and

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; and

prior to an approval of a purchase transaction by the payment processing system;

receive from the payment processing system, via a vault system, payment processing transaction data in tokenized form, for the purchase transaction associated with stored payment credentials;

determine that the received tokenized payment processing transaction data associated with stored payment credentials meets or exceeds a criteria for an offer of the catalogued offers;

determine that the offer was not previously redeemed at the point of sale system;

redeem, via the one or more communication interfaces, the offer with a coupon settlement system;

convert a currency value in a currency associated with the offer into an amount of an internal currency of the coupon settlement system based on a current exchange rate between the internal currency and the currency associated with the offer;

credit the amount of the internal currency to a ledger of an account associated with the stored payment credentials;

convert a portion of the internal currency into a points value in a points system;

generate updated payment transaction data reflecting the currency value in the currency associated with the offer; and

send, via the one or more communication interfaces and the vault system, the updated payment transaction data to the third-party payment processing system.

2 . The system as recited in claim 1 , wherein the order processing system processes the tokenized payment processing transaction data after a payment credential has been entered at a point of sale device.

3 . The system as recited in claim 1 , 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 internal currency credited to the ledger to a third party system;

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

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

4 . The system as recited in claim 3 , wherein the internal currency and the second currency are a same currency.

5 . The system as recited in claim 3 , wherein the third party system is at least one of:

a merchant system;

a financial system;

a charity system; or

a marketplace system.

6 . The system as recited in claim 1 , 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 form a user device associated with the account to access the ledger;

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

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

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

7 . The system as recited in 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 second request form a second user device associated with the account to access the ledger;

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

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

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

8 . The system as recited in claim 1 , 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 form a user device associated with the account to access the ledger; and

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

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

identifying and collecting offers from external sources;

receiving transaction data, via a vault system and in tokenized form, from the payment processing system for a purchase transaction associated with stored payment credentials;

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

determine that the offer was not previously redeemed at the third-party point of sale system;

redeeming a currency value of the offer in a first currency associated with the offer;

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

crediting the amount of the internal currency to a ledger of an account associated with the payment credentials in the internal currency;

converting a portion of the internal currency into a points value in a points system;

generating updated payment transaction data reflecting the currency value of the offer; and

sending the updated payment transaction data to the third-party payment processing system via the one or more communication interfaces and the vault system.

10 . The method as recited in claim 9 , further comprising:

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

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

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

11 . The method as recited in claim 9 , further comprising:

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

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

converting the portion of the internal currency credited to the ledger into a second amount of the second currency based on a current exchange rate between the jurisdiction free currency and the second currency.

12 . The method as recited in claim 11 , wherein the second currency is determined based at least in part on a physical location associated the third party system, a government entity associated with the third party system, or a selection by the third party system.