System and method for restricted transaction processing

A server computer comprising:

• a processor;
• and
• a memory coupled to the processor, the memory storing instructions, which when executed by the processor, cause the server computer to perform operations including:
• receiving, at a server computer, a request to process an interaction between a user and a first authorizing entity computer, the request including a first value, a credential, and a flag;
• determining, by the server computer, that the flag is in the request;
• in response to determining that the flag is in the request, determining, by the server computer, an identity of the first authorizing entity computer using the flag;
• accessing by the server computer, a multi-access blockchain, the multi-access blockchain storing data representing a plurality of interactions between a plurality of authorizing entity computers and a plurality of users;
• retrieving, by the server computer, a second value associated with the user and the first authorizing entity computer from the multi-access blockchain based on the identity;
• determining, by the server computer, that the second value is less than the first value;
• determining, by the server computer, a primary authorizing entity computer based on the credential;
• determining, by the server computer, that the primary authorizing entity computer is capable of authorizing a third value, wherein the third value is the difference between the first value and the second value;
• creating, by the server computer, an entry recording the interaction in the multi-access blockchain, wherein the entry includes the second value and the third value;
• and
• facilitating, by the server computer, processing of the third value by the primary authorizing entity computer.