1. A computer implemented method for processing a digital media file, the method comprising: specifying, by a server, a physical token associated with a customer upon receiving a request, via network communications with a computing device, for the purchase or cancellation of an insurance policy associated with the customer; receiving, at the server, (i) a digital photograph file from the computing device that is representative of an image of an insurance-related subject associated with the insurance policy, and (ii) an image of the physical token; electronically extracting, by the server, metadata embedded in the digital photograph file to provide extracted metadata; analyzing, by the server, the extracted metadata to determine that the digital photograph file has an image resolution exceeding a minimum resolution; determining, by the server, a date that the digital photograph file was captured based upon the extracted metadata; determining, by the server, whether the date when the digital photograph file was captured is within a predetermined date range; performing, by the server, an automated image recognition process to determine whether the physical token is contained within the image of the insurance-related subject, wherein the automated image recognition process includes using optical character recognition (OCR) to detect a presence of the physical token in the image of the insurance-related subject; verifying, by the server, the digital photograph file when it is determined that (i) the digital photograph file was captured within the predetermined date range, and (ii) the physical token is contained within the image of the insurance-related subject; and in response to the verification of the digital photograph file and the analysis of the extracted metadata, applying a discount or refund to an insurance policy in accordance with the received request for the purchase or cancellation of the insurance policy.