Patent ID: 8342399

Claim:
A method comprising: at least one of one or more computers establishing an account for non-negotiable credits provided by an entity to one or more users; at least one of the one or more computers detecting a set of two or more interactions between the entity and at least one of the one or more users, each of the interactions earning a quantity of non-negotiable credits, wherein the earned quantities of non-negotiable credits for each of the interactions are added to the account; and at least one of the one or more computers subtracting a quantity of the non-negotiable credits from the account, said subtracted quantity of non-negotiable credits corresponding to a quantity of negotiable funds or a quantity of entity independent funds in accordance with a conversion rate established during a conversion operation for converting the non-negotiable credits to negotiable funds or entity independent funds, wherein the quantity of negotiable funds or entity independent funds resulting from the conversion operation are able to be applied to one or more purchases with at least one commerce partner that accepts the negotiable funds or the entity independent funds for purchases but does not directly accept the non-negotiable credits for purchases.