A system having a processor configured to process, based on signals received from a digital wallet of a user, a digital currency unit comprising an indication of an access status associated with the digital currency unit, wherein the access status is recorded on a blockchain of the digital currency unit, process, based on signals received from the digital wallet of the user, a request to access a location controlled by the system, verify, based on the digital currency unit, the user is allowed to access the location and, when it is verified the user is allowed to access the location, generate a signal to grant the user access to the location.

A method and system for leveraging an existing issuer user application, associated with a payment network, to create centralized merchant loyalty platform. The centralized merchant loyalty platform consolidates computing resources from different merchant systems to a centralized processing system. The centralized processing system creates a scalable computing platform that allows for loyalty programs associated with a plurality of different merchants to be seamlessly accessed through the existing issuer user application.

A computer-implemented method for providing account holders with a reward based on similar rewards previously obtained through other accounts. The method includes identifying, using one or more computer processors configured to access an account database, an eligible account based on eligibility criteria, wherein the eligible account is associated with an account of an account holder stored in the account database; receiving identifying data that identifies the eligible account; associating a customer identifier with the identifying data from the eligible account; for each customer identifier, receiving confirmation data associated with a separate account of the account holder, wherein the confirmation data comprises a reward variable; validating, using one or more computer processors, the confirmation data; and rewarding the eligible account with a matching variable, wherein the matching variable is approximately equal to the reward variable.

Systems and methods are provided for identifying enhanced interpretation of certain data. One example computer-implemented method includes, in response to a request, retrieving, from a database, reward redemption data representative of redemption of rewards for travel purchases and limited to a scope, as defined in the request, and calculating a reward redemption divisor (RRD) based thereon. The computer-implemented method also includes retrieving at least one industry metric, calculating a RRD-based metric based on the RRD and the retrieved at least one industry metric, and then presenting the RRD-based metric in response to the request.

A method of enabling an employee to utilize earned and unpaid earnings includes receiving, with a with a central office processor, a record of an employee's accrued and unpaid earnings for a predetermined time period and storing the record in a database. The method includes receiving, with the central office processor, an electronic request from an employee to access the employee's record of accrued and unpaid earnings for the predetermined time period. Upon receipt of the request, the central office processor accesses the database including the record of the employee's accrued and unpaid earnings for the predetermined time period and determines an amount of the employee's accrued and unpaid earnings for the predetermined time period available to the employee and transmits the amount for display to the employee. The central office processor may also authenticate the employee's identity upon receiving the request to access the employee's accrued and unpaid earnings.

Intend to invent and create, advertisement free media entertainment credit system and media market place, which will enable an end user to access media entertainment, games, AR/VR, streaming services, on any platform, temporarily without any advertisements, where otherwise advertisements are shown. The system will build advertisement free media credit based on a users different usage of products, services, promotions on other products and services that give free media credit. Buying products that will give this credit and will apply on the platform of users liking to not show the advertisements without paying to not show the advertisements rather using the credit. This system will embedded many media systems underneath making it a universal cross media platform market place also powered by digital token, enabling media trade and publishing across platforms.