A processor is programmed with instructions to receive coupon data from a program creator. The coupon data defines a coupon and/or coupon program. The processor creates a first unique coupon program ID for the coupon data and writes the first unique coupon program ID and the coupon data to a database table. The processor transmits the first unique coupon program ID to the program creator. The processor also receives, from a user computing device, a coupon request message. The coupon request message includes a second unique coupon program ID. The processor extracts the second unique coupon program ID, retrieves the first unique coupon program ID, and matches the second unique coupon program ID to the first unique coupon program ID. Based on the matching, the processor generates a digital coupon token and transmits the digital coupon token to the user computing device via the communications interface.