Intermediary to manage a point exchange across a plurality of different reward programs

A non-transitory computer-readable medium storing instructions, the instructions comprising:

• one or more instructions that, when executed by one or more processors, cause the one or more processors to:
• receive a plurality of first reward program points,
• each first reward program point of the plurality of first reward program points including a plurality of metrics comprising:
• information identifying a first reward program that issued the first reward program point,
• information identifying an entity that owns of the first reward program point,
• information identifying a date the first reward program point was obtained by the entity, and
• information identifying a monetary value of the first reward program point on the date the first reward program point was obtained by the entity;
• authenticate each first reward program point of the plurality of first reward program points to determine a total number of authenticated first reward program points;
• determine, using the plurality of metrics, a total monetary value of the total number of authenticated first reward program points;
• exchange the total monetary value of the total number of authenticated first reward program points into an equivalent value of an exchange specific currency;
• assign the equivalent value of the exchange specific currency to an account of the entity;
• receive, from the entity, a request to obtain one or more second reward program points from a second reward program;
• obtain a current value of each second reward program point;
• determine, using the current value of each second reward program point, the equivalent value for each second reward program point in the exchange specific currency;
• exchange, from the account of the entity, an amount of the exchange specific currency for the one or more second reward program points;
• and
• provide, the one or more second reward program points to the entity.

A system comprising:

• one or more computing devices to:
• receive, at a central exchange and from an entity, a plurality of first reward program points,
• the first reward program points related to a first reward program,
• each first reward program point of the first reward program points including a plurality of metrics comprising:
• information identifying the first reward program,
• information identifying the entity that owns of the first reward program point,
• information identifying a date the first reward program point was obtained by the entity, and
• information identifying a monetary value of the first reward program point on the date the first reward program point was obtained by the entity;
• validated, at the central exchange and using the plurality of metrics, each first reward program point of the plurality of first reward program points to determine a total number of validated first reward program points;
• determine, at the central exchange and using the plurality of metrics, a total monetary value of the total number of validated first reward program points;
• exchange, at the central exchange, the total monetary value of the total number of validated first reward program points into an equivalent value of a central exchange currency,
• the central exchange currency having a defined value only within the central exchange;
• assign, at the central exchange, the equivalent value of the central exchange currency to an account of said entity;
• receive, at the central exchange and from the entity, a request to obtain one or more second reward program points from a second reward program;
• obtain, at the central exchange, a current value of each second reward program point;
• determine, at the central exchange and using the current value of each second reward program point, the equivalent value for each second reward program point in the central exchange currency;
• exchange, at the central exchange and from the account of the entity, an amount of the central exchange currency for the one or more second reward program points;
• and
• provide, from the central exchange, the one or more second reward program points to the entity.