A UNIVERSAL SYSTEM AND METHOD FOR LOYALTY CURRENCY REDEMPTION

摘要

Systems and methods are disclosed for generating payment values of goods and services (rewards). The disclosed systems and methods can include dynamically calculating, based upon a received input, a plurality of payment pairs, each of the plurality of payment pairs comprising a non-monetary currency value and/or a monetary currency value. The monetary currency value is paid to a universal currency server provider. The non-monetary currency value is redeemed from a reward program and a credit based on the redeemed non-monetary currency value is paid to the provider of the universal currency server. The provider of the universal currency server can deduct a fee for its services from the combination of the monetary currency value and the non¬ monetary currency value and send a credit for the remaining value to the merchant providing the goods or services.