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-0969936 (2013-08-19) |
등록번호 | US-8794518 (2014-08-05) |
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 a financial service company that provides credit cards to a set of members, wherein usage of the credit cards with retailers accepting the credit card earn loyalty points for the loyalty program as rec
1. A method comprising: a computer serving a set of one or more Web pages for a loyalty program of a financial service company that provides credit cards to a set of members, wherein usage of the credit cards with retailers accepting the credit card earn loyalty points for the loyalty program as recorded in a credits account of a corresponding one of the members, wherein the financial service company is referred to as 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) 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, org) 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 f),wherein the different loyalty program of the commerce partner is a hotel, airline, rental car, train, cruise ship, 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 a message indicating a selection of the conversion option, processing the selection to effectuate 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 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 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 set of one or more Web pages, receives the selection, and serves the one or more Web pages or Web page updates that include the effectuated changes within a single user-interactive Web session. 2. The method of claim 1, 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. 3. The method of claim 1, 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. 4. 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. 5. The method of claim 1, 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. 6. The method of claim 1, wherein usage of the credit cards with retailers accepting the credit cards earns card using members quantities of different loyalty points due to a cross marketing arrangement between the entity and the commerce partner, wherein the entity compensates the commerce partner for the quantities of the different loyalty points that the card using members earns through usage of the credit cards. 7. A method comprising: a computer serving a set of one or more Web pages for a different loyalty program of a commerce partner to one or more remotely located client machines, wherein the different loyalty program of the commerce partner is a hotel, airline, rental car, train, cruise ship, gaming platform, gaming service, or game-specific loyalty program, 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 different loyalty points for the different loyalty program, wherein the different loyalty points are referred to as entity independent funds and are recorded in a funds account of the members, wherein the commerce partner redeems the different loyalty points for members via the Web pages in exchange for a set of commerce partner 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, org) 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 f),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 different loyalty points into quantities of loyalty points of a financial service company that provides credit cards to a set of members,b) convert quantities of the 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 loyalty points for the loyalty program are earned through usage of the credit cards with retailers accepting the credit cards as recorded in a credits account of a corresponding one of the members, wherein the financial service company is referred to as an entity, wherein the loyalty points are referred to as non-negotiable credits, wherein the loyalty points are redeemable for a restricted set of goods or services provided by entity for the loyalty program, wherein the commerce partner services are not in the restricted set of goods or services, 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 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,wherein an agreement exists between the commerce partner and the entity, wherein the agreement permits members to: a) convert quantities of the different loyalty points into quantifies of the loyalty points,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 the agreement specifies that the commerce partner or the entity are to provide compensation to the other in an agreed upon amount for conversions between the different loyalty points and the loyalty points;the computer responsive to receiving a message indicating a selection of the conversion option, processing the selection to effectuate 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 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 a changed quantity of the different 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 set of one or more Web pages, receives the selection, and serves the one or more Web pages or Web page updates that include the effectuated changes within a single user-interactive Web session. 8. The method of claim 7, 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 different loyalty program to convert quantities of the different loyalty points into quantities of the loyalty points, wherein the updated user interface presents a reduced quantity of different loyalty points possessed by one of the members, said reduced quantity resulting from quantities of the different loyalty points being converting into quantities of the loyalty points. 9. The method of claim 7, 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 different loyalty program to convert quantities of the loyalty points into quantities of the different loyalty points, wherein the updated user interface presents an increased quantity of different loyalty points possessed by one of the members, said increased quantity resulting from quantities of the loyalty points being converted into quantities of the different loyalty points. 10. The method of claim 7, wherein the Web pages do not permit any of the members to redeem quantities of the loyalty points for the goods or services of the restricted set, wherein redeeming the loyalty points for the goods or services of the restricted set occurs through a set of Web pages not owned or controlled by the commerce partner and not owned or controlled by any subsidiary or parent of the commerce partner. 11. The method of claim 7, 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 commerce partner services, 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 different 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 loyalty program points to be converted into quantities of the different loyalty program points, wherein resulting increases in quantities of the different 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 different loyalty points are applied to the cost of the purchase. 12. The method of claim 7, wherein usage of the credit cards with retailers accepting the credit cards earns card using members quantities of different loyalty points due to a cross marketing arrangement between the commerce partner and the entity, wherein the commerce partner receives compensation from the entity for the quantities of the different loyalty points that the card using members earns through usage of the credit cards. 13. A method comprising: establishing a contract between a financial service company and a commerce partner permitting members of a loyalty program 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 financial service company and the commerce partner compensate each other on a per point basis for converting member points, wherein the financial service company is referred to as an entity, wherein the loyalty points are referred to as non-negotiable credits, wherein the financial service company is a company that provides credit cards to a set of members, wherein usage of the credit cards with retailers accepting the credit card earn loyalty points for the loyalty program, 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) 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, org) 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 f),wherein the different loyalty program of the commerce partner is a hotel, airline, rental car, train, cruise ship, gaming platform, gaming service, or game-specific 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 loyalty points for one of the members in accordance with terms-of-use of the loyalty program, wherein the two or more interactions are ones where one of the credit cards is used by one of the members to pay for a retail transaction, wherein the computer adds the additional loyalty points to the credits account of a member earning the additional loyalty points; andresponsive 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. 14. The method of claim 13, wherein the computer performing the conversion operation is a computer of the loyalty program, 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. 15. The method of claim 13, wherein the computer performing the conversion operation is a computer of the different loyalty program, 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. 16. The method of claim 13, wherein responsive to the computer detecting the set of two or more interactions, the computer causing additional different loyalty points to be added to the funds account of the member in accordance with terms-of-use of the loyalty program due to a cross marketing arrangement between the entity and the commerce partner, wherein the entity compensates the commerce partner for the quantities of the different loyalty points that the members earns through the set of two or more interactions. 17. The method of claim 13, 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. 18. A method comprising: establishing a contract between a commerce partner and a financial service company permitting members of a different loyalty program to: a) convert quantities of different loyalty points of the different loyalty program into quantifies of loyalty points of a loyalty program of the financial service company,b) convert quantities of the loyalty points into quantities of the different loyalty points, orc) convert quantities of the different loyalty points into quantities of loyalty points and to convert quantities of the loyalty points into quantities of the different loyalty points,wherein per the contract the commerce partner and the financial service company compensate each other on a per point basis for converting member points, wherein the financial service company is referred to as an entity, wherein the loyalty points are referred to as non-negotiable credits, wherein the financial service company is a company that provides credit cards to a set of members, wherein usage of the credit cards with retailers accepting the credit card earn loyalty points for the loyalty program, 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 loyalty points entity are redeemed 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 commerce partner redeems the different loyalty points 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) 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, org) 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 f),wherein the different loyalty program of the commerce partner is a hotel, airline, rental car, train, cruise ship, gaming platform, gaming service, or game-specific 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,a computer detecting a set of two or more interactions earning additional different loyalty points for one of the members in accordance with terms-of-use of the different loyalty program, wherein the computer adds the additional different loyalty points to the funds account of a member earning the additional different loyalty points; andresponsive 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. 19. The method of claim 18, wherein the computer performing the conversion operation is a computer of the different loyalty program, wherein the computer permits member redemption of the different loyalty points in exchange for commerce partner services, wherein the computer does not permit member redemption of the loyalty points for the goods or services of the restricted set. 20. The method of claim 18, wherein the computer performing the conversion operation is a computer of the loyalty program, wherein the computer permits member redemption of the loyalty points in exchange for the 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. 21. The method of claim 18, wherein responsive to the computer detecting the set of two or more interactions, the computer causing additional loyalty points to be added to the credits account of the member in accordance with terms-of-use of the different loyalty program due to a cross marketing arrangement between the commerce partner and the entity, wherein the commerce partner compensates the entity for the quantities of the loyalty points that the members earns through the set of two or more interactions. 22. The method of claim 18, 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 different loyalty points in the funds account, wherein after the conversion operation occurrence the user interface presents a post-conversion quantity of different loyalty points in the funds 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. 23. A method comprising: a server, comprising hardware and software, for a rewards Web site of a commerce partner receiving, during a Web session, user identification information for a member of a loyalty program of an entity, wherein said commerce partner provides a different loyalty program for the member, wherein the loyalty points are referred to as non-negotiable credits and are recorded in a credits account, wherein the loyalty points are redeemable for a restricted set of goods and services that the entity provides to members as part of the loyalty program, 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, org) 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 f),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, 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;during the Web session said server using the user identification information to determine user account information for the credits account;during the Web session said server accessing over a network a data store for the credits account of the member, said non-negotiable credits account specifying a quantity of loyalty points said member has earned through previous interactions involving the entity;during the Web session said server accessing a second data store for a funds account of the member, said funds account specifying a quantity of different loyalty points said member has earned through previous interactions involving the commerce partner;during the Web session said server, responsive to a request from the member, causing a subset of the loyalty points to be converted into a new quantity of different loyalty points;during the Web session said server, causing the credits account of the member to be reduced by at least the subset of loyalty points;during the Web session said server, adding the new quantity of different loyalty points to the funds account; andduring the Web session said server redeeming a subset of the different loyalty points for commerce partner services available through the Web site. 24. The method of claim 23, wherein the commerce partner is compensated with cash or credit for converting the different loyalty points to offset costs for providing the member with the commerce partner services, wherein commerce partner receives the cash or credit from the entity or from a financial institution that has acted on behalf of the entity. 25. The method of claim 23, wherein per the loyalty program the member is charged a fee in either cash or in quantities of the loyalty points for each conversion of the loyalty points to the different loyalty points. 26. The method of claim 23, 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. 27. The method of claim 23, wherein the commerce partner agrees to permit transfers or conversions of quantities of loyalty points to quantities of different loyalty points in accordance with a fixed credits to funds ratio, wherein the commerce partner receives compensation, per an agreement between the commerce partner and the entity, from the entity for conversions of loyalty points into quantities of different loyalty points. 28. The method of claim 23, further comprising: the server serving a subset of the Web pages, which are able to be rendered in a client side browser, which upon being rendered within the client side browsers causes a user interface of the client side browser to present an e-commerce shopping cart to the member, wherein the e-commerce shopping cart comprises one or more commerce partner services, wherein the e-commerce shopping cart includes member placed items pending a purchase by the member, wherein at least a portion of the purchase is conducted by the member expending a portion of the different 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 loyalty program points to be converted into quantities of the different loyalty program points, wherein resulting increases in quantities of the different 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 different loyalty points are applied to the cost of the purchase.
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