| 主权项 |
1. A method comprising:
a computer, comprising hardware and software that is stored upon the hardware and that is able to be executed by the hardware, establishing a loyalty account for non-negotiable credits provided by an entity to an account holder, wherein the entity is a unit that has a legal and separately identifiable existence, wherein the entity is a financial institution, and wherein the non-negotiable credits are loyalty points of a loyalty program provided by the financial institution, wherein the account holder earns quantities of the loyalty points from the financial institution for usages by the account holder of financial services provided by the financial institution, wherein the non-negotiable credits have redemption restrictions imposed by the entity, wherein the entity restricts transfers of granted ones of the non-negotiable credits, wherein the transfer restrictions by the entity prevent the account holder from transferring granted ones of the non-negotiable credits in that user's possession to others without permission from the entity; the computer detecting interactions involving the account holder earning a quantity of non-negotiable credits by utilizing financial services provided by the financial institution, wherein the quantity of non-negotiable credits from the interactions are added to the loyalty account, wherein in absence of a conversion operation that converts the non-negotiable credits to entity independent funds, a commerce partner does not accept the non-negotiable credits for goods or services that the commerce partner provides, wherein the commerce partner does accept the entity independent funds for goods or services that the commerce partner provides, wherein the commerce partner is a unit that has a legal and separately identifiable existence, wherein the commerce partner is not the entity, wherein the commerce partner is associated with the entity in some commercial activity, wherein the conversion operation is explicitly permitted by terms of an agreement established between the entity and the commerce partner, wherein the entity independent funds not stored in the loyalty account, wherein the entity independent funds are independent of the redemption restrictions that were imposed upon the non-negotiable credits, wherein the entity independent funds are possessed by the account holder; and the computer subtracting a quantity of the non-negotiable credits from the loyalty account, the subtracted quantity of non-negotiable credits corresponding to a quantity of entity independent funds resulting from the conversion operation that converts the non-negotiable credits to a quantity of the entity independent funds in accordance with terms of the agreement mutually established by the commerce partner and the entity, wherein the commerce partner is compensated by the entity for granting the entity independent funds to the account holder in exchange for non-negotiable credits. |
