Patent ID: 8376224

Claim:
A credit to fund conversion system comprising: a non-negotiable credit account associated with at least one entity, wherein entertainment credits earned from playing a game are contained within the non-negotiable credit account and are earned though previous interactions between a user and the entity, said entity providing the game; a negotiable funds account including negotiable funds that the user is able to apply to user specified purchases, wherein venders involved in the purchases do not honor the entertainment credits for the purchases; and a conversion agency configured to automatically and approximately immediately convert a quantity of entertainment credits from the non-negotiable credit account to a quantity of funds in the negotiable funds account responsive to a request from the user, wherein the non-negotiable credit account and the negotiable funds account are maintained using digitally encoded information stored in at least one non-transitory storage medium, wherein the conversion agency converts the quantity of entertainment credits by having at least one processor of computing equipment execute program instructions stored in at least one non-transitory storage medium.