Universal Value Exchange Apparatuses, Methods and Systems

A universal value exchange system, comprising means to:

• obtain a cross-ecosystem currency exchange instruction;
• determine one or more sources based on parsing the cross-ecosystem currency exchange instruction;
• identify currency types associated with the sources;
• determine exchange rates of the currency types relative to a standard currency;
• obtain currency exchange restrictions and conditions associated with the sources;
• generate, based on the currency exchange restrictions and conditions, currency exchange flow paths for currency transfer from the sources to destinations;
• issue currency transfer requests to the sources and one of the destinations;
• determine that the cross-ecosystem currency exchange has been completed;
• and
• provide a notification of completion of the cross-ecosystem currency exchange.

A processor-readable medium storing processor-issuable instructions to:

• obtain a cross-ecosystem currency exchange instruction;
• determine one or more sources based on parsing the cross-ecosystem currency exchange instruction;
• identify currency types associated with the sources;
• determine exchange rates of the currency types relative to a standard currency;
• obtain currency exchange restrictions and conditions associated with the sources;
• generate, based on the currency exchange restrictions and conditions, currency exchange flow paths for currency transfer from the sources to destinations;
• issue currency transfer requests to the sources and one of the destinations;
• determine that the cross-ecosystem currency exchange has been completed;
• and
• provide a notification of completion of the cross-ecosystem currency exchange.

A universal value exchange apparatus, comprising:

• a memory;
• a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to:
• obtain a cross-ecosystem currency exchange instruction;
• determine one or more sources based on parsing the cross-ecosystem currency exchange instruction;
• identify currency types associated with the sources;
• determine exchange rates of the currency types relative to a standard currency;
• obtain currency exchange restrictions and conditions associated with the sources;
• generate, based on the currency exchange restrictions and conditions, currency exchange flow paths for currency transfer from the sources to destinations;
• issue currency transfer requests to the sources and one of the destinations;
• determine that the cross-ecosystem currency exchange has been completed;
• and
• provide a notification of completion of the cross-ecosystem currency exchange.

A processor-implemented cross-ecosystem brokerage method, comprising:

• receiving an offer to carry out an exchange of a first ecosystem currency at a first exchange rate relative to a second ecosystem currency;
• receiving user instructions to exchange the first ecosystem currency for a third ecosystem currency at a second exchange rate;
• obtaining authorization to execute a cross-ecosystem exchange;
• executing the cross-ecosystem exchange, wherein said executing includes:
• reducing the user's first ecosystem currency balance by a first amount;
• and
• incrementing the user's third ecosystem currency balance by a second amount determined based on the second exchange rate;
• and
• charging the offer provider a third amount in the second ecosystem currency for carrying out the exchange of the first ecosystem currency.

A cross-ecosystem brokerage system, comprising means to:

• receive an offer to carry out an exchange of a first ecosystem currency at a first exchange rate relative to a second ecosystem currency;
• receive user instructions to exchange the first ecosystem currency for a third ecosystem currency at a second exchange rate;
• obtain authorization to execute a cross-ecosystem exchange;
• execute the cross-ecosystem exchange, wherein said executing includes:
• reduce the user's first ecosystem currency balance by a first amount;
• and
• increment the user's third ecosystem currency balance by a second amount determined based on the second exchange rate;
• and
• charge the offer provider a third amount in the second ecosystem currency for carrying out the exchange of the first ecosystem currency.

A processor-readable medium storing processor-issuable instructions to:

• receive an offer to carry out an exchange of a first ecosystem currency at a first exchange rate relative to a second ecosystem currency;
• receive user instructions to exchange the first ecosystem currency for a third ecosystem currency at a second exchange rate;
• obtain authorization to execute a cross-ecosystem exchange;
• execute the cross-ecosystem exchange, wherein said executing includes:
• reduce the user's first ecosystem currency balance by a first amount;
• and
• increment the user's third ecosystem currency balance by a second amount determined based on the second exchange rate;
• and
• charge the offer provider a third amount in the second ecosystem currency for carrying out the exchange of the first ecosystem currency.

A cross-ecosystem brokerage apparatus, comprising:

• a memory;
• a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to:
• receive an offer to carry out an exchange of a first ecosystem currency at a first exchange rate relative to a second ecosystem currency;
• receive user instructions to exchange the first ecosystem currency for a third ecosystem currency at a second exchange rate;
• obtain authorization to execute a cross-ecosystem exchange;
• execute the cross-ecosystem exchange, wherein said executing includes:
• reduce the user's first ecosystem currency balance by a first amount;
• and
• increment the user's third ecosystem currency balance by a second amount determined based on the second exchange rate;
• and
• charge the offer provider a third amount in the second ecosystem currency for carrying out the exchange of the first ecosystem currency.

A processor-implemented gift card exchange and transaction facilitation method, comprising:

• receiving a request from a user to transfer funds from a first gift card to a second gift card, each of said gift cards being associated with different issuers;
• determining an amount of funds associated the first gift card;
• determining an equivalent amount of funds transferable to the second gift card;
• querying a gift card database to determine a target gift card identifier having at least the equivalent amount of funds, said target gift card being associated with the issuer of the second gift card;
• deallocating the amount of funds from the first gift card and the equivalent amount of funds from the target gift card;
• allocating the equivalent amount of funds to the second gift card;
• receiving a payment request corresponding to the user's purchase using the second gift card;
• and
• forwarding the payment to the issuer of the target gift card, wherein the issuer of the target gift card deducts the equivalent amount of funds from the target gift card;
• and
• deallocating the equivalent amount of funds from the second gift card.

A processor-implemented gift card exchange and transaction facilitation method, comprising:

• receiving a request from a user to transfer funds from a source gift card issued by a first issuer to a destination gift card issued by a second issuer;
• determining an amount of transfer funds associated the source gift card;
• determining an equivalent amount of funds transferable to the destination gift card;
• querying a gift card database to obtain a target gift card issued by the first issuer and a target gift card issued by the second issuer;
• facilitating transfer of the amount of transfer funds from the source gift card to the target gift card issued by the first issuer;
• and
• facilitating transfer of the equivalent amount of funds from the target gift card issued by the second issuer to the destination gift card.

A processor-implemented low-latency value equivalent exchange method, comprising:

• receiving a specified consumer value equivalent swap request to exchange a value source for a value substitute as part of a purchase transaction;
• determining a conversion exchange rate and amount of a denomination amount specified in the swap request from the value source to a denomination amount specified in the swap request for the value substitute;
• identifying, within a low-latency purchase transaction time-frame, a target source for the value substitute having sufficient value to supply the swap request based on the determined conversion exchange rate and amount;
• associating the value source with a holder of the target source by modifying a value source record;
• associating the target source with the holder of the value source by modifying the value source record;
• deallocating the determined conversion rate and amount specified in the swap request for the value source holder and allocating it to the target source holder by modifying the value source record to reduce network transactions and decrease network and transaction latency;
• and
• charging the determined conversion rate and amount specified in the swap request to the target source to assist the payment of the purchase transaction for the value source holder by using target source account information from a target source record to decrease network and transaction latency.