Virtual credit with transferability
First Claim
1. A virtual reality environment comprising:
- computer apparatus for creating a simulated world wherein a participant is enabled to select a different destination and/or activity and/or event;
a value system in the simulated world wherein a potential value is attributed to something available for acquisition pursuant to a credit arrangement;
a user interface communication link that enables the participant to have access to the simulated world and participate in the credit arrangement as a debtor participant or a creditor participant; and
a memory device capable of keeping a record of transfer that occurs regarding a debtor obligation arising from the credit arrangement.
1 Assignment
0 Petitions
Accused Products
Abstract
A method and system provides credit arrangements in simulated environments. A user can participate in credit transactions to acquire virtual products, virtual services, and/or virtual items of value. Feedback is provided to the user regarding results of the credit transactions. In some embodiments multiple users can make simulated purchases or incur simulated credit obligations posted to virtual accounts, and can also make simulated compensation against balances due or obligations owed. The user may also have an opportunity of engaging in related real-world financial transactions. In some implementations, multiple players at different locations can use virtual charge accounts and/or real world accounts for arranging or resolving a virtual credit transaction. Some embodiments enable a debtor obligation and/or a creditor right arising from a virtual credit transaction to be transferred to another party, in some instances without having to obtain any permission for such transfer.
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Citations
62 Claims
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1. A virtual reality environment comprising:
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computer apparatus for creating a simulated world wherein a participant is enabled to select a different destination and/or activity and/or event;
a value system in the simulated world wherein a potential value is attributed to something available for acquisition pursuant to a credit arrangement;
a user interface communication link that enables the participant to have access to the simulated world and participate in the credit arrangement as a debtor participant or a creditor participant; and
a memory device capable of keeping a record of transfer that occurs regarding a debtor obligation arising from the credit arrangement. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 11, 13, 14, 15, 16, 17, 18)
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10. (canceled)
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12. (canceled)
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19. (canceled)
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20. A computer program product having one or more computer programs for executing a computer process, the computer process comprising:
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implementing an interface communication link to a simulated world where a player is enabled to interact in the simulated world with another player or with a non-player entity;
creating a credit arrangement for the player in the simulated world involving a transferable debtor obligation based on the acquisition of something of potential value; and
making a record of the credit arrangement. - View Dependent Claims (21, 22, 24, 25, 55, 56, 57, 58, 59, 60, 61, 62)
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23. (canceled)
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26. A method of conducting virtual world transactions, comprising:
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implementing access to an imaginary environment where a player is enabled to choose a different destination and/or activity and/or event;
creating an opportunity in the imaginary environment for the player to participate in a credit transaction based on an obligation of future conduct, wherein the credit transaction involves a transferable debtor obligation; and
making a record of the credit transaction. - View Dependent Claims (27, 28, 29, 30, 32, 34, 35, 37)
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31. (canceled)
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33. (canceled)
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36. (canceled)
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38. A method of player participation in a virtual world environment, comprising:
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implementing access to a virtual world environment with an opportunity for a player to acquire something of potential value pursuant to a credit transaction with another party;
enabling a transfer of a future obligation of a debtor participant arising from the credit transaction; and
making a record of any such transfer. - View Dependent Claims (39, 40, 41, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54)
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42. (canceled)
Specification