최소 단어 이상 선택하여야 합니다.
최대 10 단어까지만 선택 가능합니다.
다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
NTIS 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
DataON 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Edison 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Kafe 바로가기국가/구분 | United States(US) Patent 등록 |
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국제특허분류(IPC7판) |
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출원번호 | US-0969873 (2013-08-19) |
등록번호 | US-8763901 (2014-07-01) |
발명자 / 주소 |
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 | 피인용 횟수 : 0 인용 특허 : 853 |
A graphical user interface includes a conversion option to convert quantities of loyalty points of a loyalty program of an entity into different loyalty points of a different loyalty program of a commerce partner. The different loyalty points are accepted by a commerce partner as at least partial pa
A graphical user interface includes a conversion option to convert quantities of loyalty points of a loyalty program of an entity into different loyalty points of a different loyalty program of a commerce partner. The different loyalty points are accepted by a commerce partner as at least partial payment for commerce partner services provided by the commerce partner as part of the different loyalty program. The commerce partner does not accept the loyalty points as payment for commerce partner services, at least without requiring the loyalty points be first converted to different loyalty points. Responsive to a received selection of the conversion option, a computer presents within a user interface a quantity of available different loyalty points for use as payment for the commerce partner services. The quantity of available different loyalty points results from converting the subset of loyalty points into the quantity of available different loyalty points.
1. A method comprising: a computer serving a set of one or more Web pages for a loyalty program of an entity, wherein the loyalty points are referred to as non-negotiable credits, wherein the Web pages are able to be rendered by one or more client-side browsers, which run on the one or more client-m
1. A method comprising: a computer serving a set of one or more Web pages for a loyalty program of an entity, wherein the loyalty points are referred to as non-negotiable credits, wherein the Web pages are able to be rendered by one or more client-side browsers, which run on the one or more client-machines, wherein upon being rendered within one of the client-side browsers a corresponding user interface for the client-side browser presents a quantity of member earned loyalty points for the loyalty program, wherein the entity redeems the loyalty points via the Web pages in exchange for a restricted set of goods or services provided by the entity to the members as part of the loyalty program, wherein upon being rendered within one of the client-side browsers the user interface presents a conversion option permitting one of the members to: a) convert quantities of the loyalty points into quantities of different loyalty points of a different loyalty program of a commerce partner; orb) convert quantities of the different loyalty points into quantities of the loyalty points, orc) convert quantities of the loyalty points into quantities of different loyalty points and to convert quantities of different loyalty points into quantities of loyalty points,wherein the different loyalty points are referred to as entity independent funds and are recorded in a funds account, wherein the different loyalty points are redeemable for commerce partner services that the commerce partner provides to members of the different loyalty program, wherein the commerce partner services are not included in the restricted set of goods or services, wherein the commerce partner services for which the different loyalty points are redeemable comprise: a) travel services for an airline owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,b) lodging services for a hotel owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,c) travel services for a train owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,d) travel services for a cruise ship owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,e) vehicle rental services for a vehicle owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,f) financial services for a final service company that provides credit cards to a set of members wherein usage of the credit cards with retailers accepting the credit cards earn different loyalty points for the different loyalty program,g) gaming services or virtual items for a computer implemented game or a platform upon which the computer implemented game runs, wherein the computer implemented game or the platform is owned, operated or managed by the commerce partner, orh) combinations of one of more of any of the travel services, the lodging services, the vehicle rental services, or the financial services as specified by a) through g),wherein the different loyalty program of the commerce partner is a hotel, airline, rental car, train, cruise ship, financial service, gaming platform, gaming service, or game-specific loyalty program, wherein the funds account is neither owned nor controlled by the entity or by any subsidiary or parent of the entity, wherein the credits account is neither owned nor controlled by the commerce partner or by any subsidiary or parent of the commerce partner, wherein the entity does not: a) accept the different loyalty points as payment for any of the goods or services of the restricted set; orb) accept the different loyalty points as payment for any of the goods or services of the restricted set without quantities of the different loyalty points being converted into quantities of loyalty points,wherein an agreement exists between the entity and the commerce partner, wherein the agreement permits members to: a) convert quantities of the loyalty points into quantifies of the different loyalty points;b) convert quantities of the different loyalty points into the loyalty points, orc) convert quantities of the loyalty points into quantities of different loyalty points and to convert quantities of different loyalty points into quantities of loyalty pointswherein the agreement specifies that the entity or the commerce partner are to provide compensation to the other in an agreed upon amount for conversions between the loyalty points and the different loyalty points;the computer responsive to receiving an indication of a member interaction, determining an additional quantity of different loyalty points to be earned responsive the member interaction;the computer processing the additional quantity to trigger an addition of the additional quantity to the funds account per the loyalty program due to a cross marketing agreement between the entity and the commerce partner, wherein the entity compensates the commerce partner for the additional quantity of the different loyalty points added to the funds account per member involvement in the loyalty program; andresponsive to the processing, the computer serving one or more Web pages or Web page updates that include the effectuated changes to at least one of the one or more client machines, wherein upon being rendered within one of the client-side browsers the user interface is updated with the effectuated changes, wherein the updated user interface presents the additional quantity of different loyalty points earned by the member interaction or presents an updated total of different loyalty points in the funds account resulting from the additional quantity being added, wherein the computer serves the set of one or more Web pages, receives the indication, processes the additional quantity, and serves the one or more Web pages or Web page updates within a single user-interactive Web session. 2. The method of claim 1, wherein the Web pages do not permit any of the members to redeem quantities of the different loyalty points for the commerce partner services, wherein redeeming the different loyalty points for the commerce partner services occurs through a set of Web pages not owned or controlled by the entity and not owned or controlled by any subsidiary or parent of the entity. 3. The method of claim 1, further comprising: the computer responsive to receiving a message indicating a selection of the conversion option, processing the selection to effectuate second changes in the served set of Web pages; andresponsive to the processing, the computer serving one or more Web pages or Web page updates that include the effectuated second changes to at least one of the one or more client machines, wherein upon being rendered within one of the client-side browsers the user interface is updated with the effectuated second changes, wherein the updated user interface presents a changed quantity of the loyalty points possessed by one of the members, said changed quantity resulting at least in part from a conversion performed responsive to the selection of the conversion option, wherein the computer serves the one or more Web pages or Web page updates that include the effectuated second changes within the single user-interactive Web session. 4. The method of claim 3, wherein upon being rendered within one of the client-side browsers the user interface presenting the conversion option permitting one of the members to convert quantities of the loyalty points into quantities of the different loyalty points, wherein the agreement permits members of the loyalty program to convert quantities of the loyalty points into quantities of the different loyalty points, wherein the updated user interface presents a reduced quantity of loyalty points possessed by one of the members, said reduced quantity resulting from quantities of the loyalty points being converting into quantities of the different loyalty points. 5. The method of claim 3, wherein upon being rendered within one of the client-side browsers the user interface presenting the conversion option permitting one of the members to convert quantities of the different loyalty points into quantities of the loyalty points, wherein the agreement permits members of the loyalty program to convert quantities of the different loyalty points into quantities of the loyalty points, wherein the updated user interface presents an increased quantity of loyalty points possessed by one of the members, said increased quantity resulting from quantities of the different loyalty points being converted into quantities of the loyalty points. 6. The method of claim 3, further comprising: the computer serving a subset of the Web pages, which are able to be rendered in one of the client side browsers, which upon being rendered within one of the client side browsers causes the user interface to present an e-commerce shopping cart to one of the members, wherein the e-commerce shopping cart comprises one or more goods or services of the restricted set, wherein the e-commerce shopping cart includes member placed items pending a purchase by one of the members, wherein at least a portion of the purchase is conducted by one of the members expending a portion of the loyalty points possessed by that member for the purchase, wherein the conversion option is provided on a same Web page that includes the shopping cart, wherein the conversion option permits quantities of the different loyalty program points to be converted into quantities of the loyalty program points, wherein resulting increases in quantities of the loyalty points are for paying for the member placed items in the shopping cart, wherein the changed quantity is presented via a Web page that also concurrently presents a cost of the member placed items, wherein a portion of the changed quantity of loyalty points are applied to the cost of the purchase. 7. A method comprising: establishing a contract between an entity and a commerce partner permitting members of a loyalty program of the entity to: a) convert quantities of loyalty points of the loyalty program into quantifies of different loyalty points of a different loyalty program of the commerce partner,b) convert quantities of the loyalty points into quantities of the different loyalty points, orc) convert quantities of the loyalty points into quantities of different loyalty points and to convert quantities of different loyalty points into quantities of loyalty points,wherein per the contract the entity and the commerce partner compensate each other on a per point basis for converting member points, wherein the loyalty points are referred to as non-negotiable credits, wherein the different loyalty points are referred to as entity independent funds, wherein said loyalty points are: a) possessed by the members as a benefit of membership in the loyalty program,b) are maintained in a credits account for the loyalty program, andc) are subject to terms and conditions of the loyalty program,wherein said different loyalty points are: a) possessed by the members as a benefit of membership in the different loyalty program,b) are maintained in a funds account for the different loyalty program, andc) are subject to terms and conditions of the different loyalty program,wherein the credits account is neither owned nor controlled by the commerce partner or by a subsidiary or parent of the commerce partner, wherein the funds account is neither owned nor controlled by the entity or by a subsidiary or parent of the entity,wherein the entity redeems the loyalty points for the members in exchange for a restricted set of goods or services provided by the entity as part of the loyalty program, wherein the different loyalty points are redeemable in exchange for commerce partner services provided by the commerce partner as part of the different loyalty program, wherein the commerce partner services for which the different loyalty points are redeemable comprise: a) travel services for an airline owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,b) lodging services for a hotel owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,c) travel services for a train owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,d) travel services for a cruise ship owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,e) vehicle rental services for a vehicle owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,f) financial services for a final service company that provides credit cards to a set of members wherein usage of the credit cards with retailers accepting the credit cards earn different loyalty points for the different loyalty program,g) gaming services or virtual items for a computer implemented game or a platform upon which the computer implemented game runs, wherein the computer implemented game or the platform is owned, operated or managed by the commerce partner, orh) combinations of one of more of any of the travel services, the lodging services, the vehicle rental services, or the gaming services as specified by a) through g),wherein the different loyalty program of the commerce partner is a hotel, airline, rental car, train, cruise ship, financial services, gaming platform, gaming service, or game-specific loyalty program loyalty program, wherein the entity does not: a) accept the different loyalty points as payment for any of the goods or services of the restricted set; orb) accept the different loyalty points as payment for any of the goods or services of the restricted set without quantities of the different loyalty points being converted into quantities of loyalty points,a computer detecting a set of two or more interactions earning additional different loyalty points to the funds account per the loyalty program due to a cross marketing agreement between the entity and the commerce partner, wherein the entity compensates the commerce partner for the additional quantity of the different loyalty points added to the funds account per member involvement in the loyalty program; andthe computer triggering an addition of the additional quantity to the funds account per the loyalty program;the computer notifying one of the members that earned the additional different loyalty points of the additional quantity of the different loyalty points added to the funds account due to the interactions and due to membership in the loyalty program,wherein the funds account changes by the additional quantity as a result of the triggering by the computer. 8. The method of claim 7, wherein the computer is a computer of the loyalty program. 9. The method of claim 8, wherein the computer permits member redemption of the loyalty points in exchange for goods or services of the restricted set, wherein the computer does not permit member redemption of the different loyalty points for the commerce partner services. 10. The method of claim 7, wherein the computer is a computer of the different loyalty program. 11. The method of claim 10, wherein the computer permits member redemption of the different loyalty points in exchange for the commerce partner services, wherein the computer does not permit member redemption of the loyalty points for the goods or services of the restricted set. 12. The method of claim 7, further comprising: a computer detecting a set of two or more second interactions earning additional loyalty points for one of the members in accordance the loyalty program, wherein the computer adds the additional loyalty points to the credits account of a member earning the additional loyalty points. 13. The method of claim 7, further wherein the set of two or more interactions earns additional loyalty points for one of the members in accordance the loyalty program, wherein the computer adds the additional loyalty points to the credits account of a member earning the additional loyalty points. 14. The method of claim 7, further comprising: responsive to an indication of a conversion operation occurrence, the computer changing a quantity of loyalty points in the credits account, a changed quantity from the changing being: a) a quantity of loyalty points lost by converting quantities of the loyalty points to quantities of the different loyalty points, orb) a quantity of loyalty points gained by converting quantities of the different loyalty points to quantities of the loyalty pointswherein the funds account changes by a quantity of different loyalty points in an inversely proportional manner to the change of the loyalty points in the credits account as a result of the conversion operation. 15. The method of claim 14, wherein the indication of the conversion occurrence is a result of a selection of a conversion option presented in a user interface of a client-side browser that renders a set of Web pages served by the computer, wherein before the conversion operation occurrence the user interface presents per-conversion quantity of loyalty points in the credits account, wherein after the conversion operation occurrence the user interface presents a post-conversion quantity of loyalty points in the credits account, said post-conversion quantity reflecting the changed quantity, wherein the user interface presents the pre-conversion quantity and the post-conversion quantity in a single interactive Web session. 16. The method of claim 7, further comprising: responsive to an indication of a conversion operation occurrence, the computer changing a quantity of different loyalty points in the funds account, a changed quantity from the changing being: a) a quantity of different loyalty points lost by converting quantities of the different loyalty points to quantities of the loyalty points, orb) a quantity of different loyalty points gained by converting quantities of the loyalty points to quantities of the different loyalty points,wherein the credits account changes by a quantity of loyalty points in an inversely proportional manner to the change of the different loyalty points in the funds account as a result of the conversion operation. 17. A system comprising: one or more processors;a non-transitory storage medium storing program instructions, wherein the one or processors execute the program instructions to: detect a set of two or more interactions earning additional different loyalty points to a funds account per a loyalty program due to a cross marketing agreement between an entity and a commerce partner, wherein the entity compensates the commerce partner for the additional quantity of the different loyalty points added to the funds account per member involvement in the loyalty program;trigger an addition of the additional quantity to the funds account per the loyalty program;notify one of a set of members that earned the additional different loyalty points of the additional quantity of the different loyalty points added to the funds account due to the interactions and due to membership in the loyalty program, andredeem the loyalty points for the members in exchange for a restricted set of goods or services provided by the entity as part of the loyalty program, wherein the funds account changes by the additional quantity as a result of the triggering, wherein a contract exists between the entity and the commerce partner permitting members of the loyalty program of the entity to:a) convert quantities of loyalty points of the loyalty program into quantifies of different loyalty points of a different loyalty program of the commerce partner,b) convert quantities of the loyalty points into quantities of the different loyalty points, orc) convert quantities of the loyalty points into quantities of different loyalty points and to convert quantities of different loyalty points into quantities of loyalty points,wherein per the contract the entity and the commerce partner compensate each other on a per point basis for converting member points, wherein the loyalty points are referred to as non-negotiable credits, wherein the different loyalty points are referred to as entity independent funds, wherein said loyalty points are: a) possessed by the members as a benefit of membership in the loyalty program,b) are maintained in a credits account for the loyalty program, andc) are subject to terms and conditions of the loyalty program,wherein said different loyalty points are: a) possessed by the members as a benefit of membership in the different loyalty program,b) are maintained in a funds account for the different loyalty program, andc) are subject to terms and conditions of the different loyalty program,wherein the credits account is neither owned nor controlled by the commerce partner or by a subsidiary or parent of the commerce partner, wherein the funds account is neither owned nor controlled by the entity or by a subsidiary or parent of the entity, wherein the different loyalty points are redeemable in exchange for commerce partner services provided by the commerce partner as part of the different loyalty program, wherein the commerce partner services for which the different loyalty points are redeemable comprise: a) travel services for an airline owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,b) lodging services for a hotel owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,c) travel services for a train owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,d) travel services for a cruise ship owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,e) vehicle rental services for a vehicle owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,f) financial services for a final service company that provides credit cards to a set of members wherein usage of the credit cards with retailers accepting the credit cards earn different loyalty points for the different loyalty program,g) gaming services or virtual items for a computer implemented game or a platform upon which the computer implemented game runs, wherein the computer implemented game or the platform is owned, operated or managed by the commerce partner, orh) combinations of one of more of any of the travel services, the lodging services, the vehicle rental services, or the gaming services as specified by a) through g),wherein the different loyalty program of the commerce partner is a hotel, airline, rental car, train, cruise ship, financial services, gaming platform, gaming service, or game-specific loyalty program loyalty program, wherein the entity does not: a) accept the different loyalty points as payment for any of the goods or services of the restricted set; orb) accept the different loyalty points as payment for any of the goods or services of the restricted set without quantities of the different loyalty points being converted into quantities of loyalty points. 18. The system of claim 17, wherein the system comprises a set of one or more computers owned or leased by the entity for of the loyalty program. 19. The system of claim 17, wherein the one or processors further execute the program instructions to: detect a set of two or more second interactions earning additional loyalty points for one of the members in accordance the loyalty program; andadd the additional loyalty points to the credits account of a member earning the additional loyalty points. 20. The system of claim 19, wherein the one or processors further execute the program instructions to: earns additional loyalty points for one of the members in accordance the loyalty program in response to the two or more interactions; andadd the additional loyalty points to the credits account of a member earning the additional loyalty points. 21. The system of claim 17, wherein the one or processors further execute the program instructions to: responsive to an indication of a conversion operation occurrence, change a quantity of loyalty points in the credits account, a changed quantity from the changing being: a) a quantity of loyalty points lost by converting quantities of the loyalty points to quantities of the different loyalty points, orb) a quantity of loyalty points gained by converting quantities of the different loyalty points to quantities of the loyalty pointswherein the funds account changes by a quantity of different loyalty points in an inversely proportional manner to the change of the loyalty points in the credits account as a result of the conversion operation. 22. A method comprising: during a Web session involving interactions between a member and a Web site of a commerce partner, using user identification information to determine user account information for the member, wherein the member is a member of a loyalty program of an entity, wherein member is a member of a different loyalty program of the commerce partner, wherein the user identification information is used to identify account information for the loyalty program and is used to identity account information of the different loyalty program;during the Web session, identifying loyalty points stored in a credits account earned from previous interactions with the loyalty program of the entity, wherein the loyalty points are referred to as non-negotiable credits, wherein the loyalty points of the credits account are redeemable for a restricted list of goods or services that are provided by in exchange for the loyalty points per the loyalty program;during the Web session, converting a quantity of the loyalty points to a quantity of different loyalty points of a different loyalty program of a commerce partner, wherein the converting is performed by the Web site, which is operated by a different legal entity than the entity, wherein the different loyalty points are referred to as entity independent funds and are recorded in a funds account, wherein the different loyalty points are redeemable for commerce partner services that the commerce partner provides to members of the different loyalty program, wherein the commerce partner services are not included in the restricted set of goods or services, wherein the commerce partner services for which the different loyalty points are redeemable comprise: a) travel services for an airline owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,b) lodging services for a hotel owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,c) travel services for a train owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,d) travel services for a cruise ship owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,e) vehicle rental services for a vehicle owned, operated, or managed by the commerce partner or by a subsidiary or parent of the commerce partner,f) gaming services or virtual items for a computer implemented game or a platform upon which the computer implemented game runs, wherein the computer implemented game or the platform is owned, operated or managed by the commerce partner,g) gaming services or virtual items for a computer implemented game or a platform upon which the computer implemented game runs, wherein the computer implemented game or the platform is owned, operated or managed by the commerce partner, orh) combinations of one of more of any of the travel services, the lodging services, the vehicle rental services, or the gaming services as specified by a) through g),wherein the different loyalty program of the commerce partner is a hotel, airline, rental car, train, cruise ship, financial services, gaming platform, gaming service, or game-specific loyalty program loyalty program, wherein the commerce partner does not: a) accept the loyalty points as payment for any of the commerce partner services; orb) accept the loyalty points as payment for any of the commerce partner services without quantities of the loyalty points being converted into quantities of the different loyalty points,during the Web session, adding the quantity of different loyalty points from the converting to an existing quantity of different loyalty points of the funds account maintained for the member as part of the different loyalty program;during the Web session, permitting access, to different loyalty points of the funds account;during the Web session, applying at least a portion of the different loyalty points of the funds account to one or more purchases for commerce partner services, wherein the identifying of loyalty points is performed by computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, wherein the converting is performed by computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, wherein the permitting of access to the quantity of different loyalty points is performed by computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device. 23. The method of claim 22, wherein the Web site is an e-commerce Web site for the different loyalty program enabling members to redeem the different loyalty points for commerce partner services. 24. The method of claim 22, wherein the commerce partner functions as a conversion agency that converts quantities of loyalty points of the credits account into quantities of different loyalty points of the funds account. 25. The method of claim 22, wherein the commerce partner is a vender that provides the commerce partner services to members per terms of the different loyalty program. 26. The method of claim 22, wherein the entity compensates the commerce partner for converting quintiles of the loyalty points by providing the commerce partner with cash or credit, wherein the commerce partner uses the cash or credit from the entity to offset costs for providing the member with the commerce partner services. 27. The method of claim 22, wherein the entity charges the member a fee in either cash or in quantities of the loyalty points for each conversion of the loyalty points to the different loyalty points. 28. The method of claim 22, wherein the commerce partner charges the member a fee in either cash or in quantities of the different loyalty points for each conversion of the loyalty points to the different loyalty points. 29. The method of claim 22, wherein the commerce partner agrees to permit transfers or conversions of quantities of loyalty points to different loyalty points in accordance with a fixed credits to funds ratio, wherein the commerce partner receives compensation by agreement from the entity for conversions of loyalty points into different loyalty points. 30. The method of claim 22, wherein at least a portion of the loyalty points stored in the credits account were earned for interactions specified under the different loyalty program due to a cross marketing arrangement between the commerce partner and the entity, wherein the commerce partner provides compensation to the entity for the quantities of the loyalty points earns through the interactions specified under the different loyalty program. 31. A method comprising: a computer for a different loyalty program of a commerce partner establishing a funds account for a member of the different loyalty program, wherein the different loyalty program is an airline loyalty program or a hotel loyalty program, wherein the member of the different loyalty program is provided with a payment artifact, wherein the payment artifact is a credit card or a debit card linked to the different loyalty program;the computer adding different loyalty points to the funds account in response to the payment artifact being used for purchases of goods or services with venders accepting the payment artifact, wherein the different loyalty points are referred to as entity independent funds, wherein the different loyalty points are frequent flyer miles or hotel reward points, wherein the different loyalty program redeems the different loyalty points for commerce partner services;wherein an agreement exists between the commerce partner and an entity having a loyalty program with loyalty points that are recorded in a credits account, wherein the loyalty points are referred to as non-negotiable credits, wherein the agreement permits members to: a) convert quantities of the loyalty points into quantifies of the different loyalty points;b) convert quantities of the different loyalty points into the loyalty points, orc) convert quantities of the loyalty points into quantities of different loyalty points and to convert quantities of different loyalty points into quantities of loyalty pointswherein the agreement specifies that the entity or the commerce partner are to provide compensation to the other in an agreed upon amount for conversions between the loyalty points and the different loyalty points, wherein the funds account is neither owned nor controlled by the entity or by any subsidiary or parent of the entity, wherein the credits account is neither owned nor controlled by the commerce partner or by any subsidiary or parent of the commerce partner, wherein the entity does not: a) accept the different loyalty points as payment for any goods or services of a restricted set for which the loyalty points are redeemable; orb) accept the different loyalty points as payment for any of the goods or services of the restricted set without quantities of the different loyalty points being converted into quantities of loyalty points,wherein the commerce partner does not: a) accept the loyalty points as payment for any of the commerce partner services; orb) accept the loyalty points as payment for any of the commerce partner services without quantities of the loyalty points being converted into quantities of different loyalty points,the computer adding a new quantity of the different loyalty points to the funds account in response to an occurrence of a conversion operation, wherein said conversion operation converts quantities of loyalty points into the new quantity of the different loyalty points, wherein the commerce partner receives compensation from the entity for adding the new quantity of different loyalty points to the funds account and for releasing the entity of financial liability due to the quantities of loyalty points in the credits account being reduced during the conversion operation; andthe computer redeeming quantities of the different loyalty points of the funds account for member selected ones of the commerce partner services. 32. The method of claim 31, wherein the computer serves a set of Web pages to the member, wherein the set of Web pages are Web pages of a Web site of the different loyalty program, wherein the Web site permits redemption of quantities of the different loyalty points for the commerce partner services, and wherein the Web site provides a selectable conversion option, wherein the computer initiates the conversion operation in response to the conversion option being selected. 33. The method of claim 31, wherein per terms-of-use of the different loyalty program, the different loyalty points of the funds account have no cash or monetary value, and wherein per terms-of-use of the loyalty program, the loyalty points of the credits account have no cash or monetary value. 34. The method of claim 31, wherein per terms-of-use of the loyalty program, the loyalty points of the credits account have at least one restriction-on-use related to an expiration date, wherein the different loyalty points of the funds account do not have the restriction-on-use related to the expiration date, thus an expiration date of loyalty points is able to be circumvented by converting quantities of the loyalty points into quantities of the different loyalty points. 35. The method of claim 31, wherein per terms-of-use of the different loyalty program, the commerce partner has expressly reserved a right of imposing new expiration conditions on quantities of previously granted different loyalty points of the funds account. 36. The method of claim 31, wherein the commerce partner provides quantities of different loyalty points to incentivize the member to utilize the payment artifact for purchases with venders, wherein the commerce partner charges venders that accept the payment artifact in accordance with a ratio of amounts spent for purchases using the payment artifact. 37. The method of claim 31, wherein the commerce partner provides quantities of loyalty points added that are added to the credits account to incentivize the member to utilize the payment artifact for purchases with venders, wherein the commerce partner compensates the entity for quantities of loyalty points added to the credits account to incentivize the members. 38. The method of claim 31, wherein the agreement or terms-of-use of the different loyalty program permits members to convert the different loyalty points to the loyalty points in accordance with a fixed credits-to-funds conversion ratio. 39. The method of claim 31, wherein the commerce partner charges the member a fee for converting the different loyalty points to the loyalty points, wherein the fee is specified in terms-of-use of the different loyalty program, wherein the fee is an amount in cash, credit, or in quantities of different loyalty points.
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