Exchange of non-negotiable credits for entity independent funds
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United States of America Patent
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Sep 18, 2012
Grant Date -
N/A
app pub date -
May 24, 2012
filing date -
May 25, 2006
priority date (Note) -
Expired
status (Latency Note)
Importance
Abstract
In one embodiment, credits earned by an end-user from previous interactions between the end-user and an entity can be stored. The storing of credits can alter one or more records of a credit account. The credit account is owned or controlled by the entity. A quantity of the credits of the credit account is identified. This quantity is applied to a purchase in accordance with a credit to funds ratio. Applying the quantity of the credits reduces a number of credits in the credit account as indicated by the records. Funds are transferred to a funds account based on the quantity of stored credits applied to the purchase and the credit to funds ratio. The fund account is not owned or controlled by the entity.
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