Abstract: A host clearinghouse account manager may maintain a system, such as a middleware system, for converting and/or exchanging loyalty points to value credits. The host clearinghouse's system middleware determines the appropriate number of loyalty points from a first merchant's loyalty point system to convert and/or exchange by implementing a conversion processor that converts the participant's loyalty points to an appropriate value credit equivalent. These value credits may then be converted and/or exchanged to loyalty points in a second merchant's loyalty point system.

Abstract: This disclosure includes a system, method, and article of manufacture for securely processing a transaction. The method may comprise performing a three factor authentication, communicating and/or generating, to a web client, a token in response to a transaction request and based upon the three factor authentication, comparing the token to a received token, and authorizing the transaction request based upon the comparing. Three factor authentication may comprise authenticating a web client to a transaction account associated with an individual, authenticating a web client to a payment network associated with the transaction account, and authenticating an individual to the transaction account based upon a biometric sample.