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    • 38. 发明申请
    • Virtual credit with transferability
    • 具有可转移性的虚拟信贷
    • US20070150986A1
    • 2007-06-28
    • US11652379
    • 2007-01-10
    • Edward JungRoyce LevienMark MalamudJohn Rinaldo
    • Edward JungRoyce LevienMark MalamudJohn Rinaldo
    • G06Q40/00
    • G06Q40/00G06Q20/10
    • 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.
    • 一种方法和系统在模拟环境中提供信用安排。 用户可以参与信用交易来获取虚拟产品,虚拟服务和/或虚拟物品。 向用户提供关于信用交易结果的反馈。 在一些实施例中,多个用户可以进行模拟购买或者发生虚拟账户发布的模拟信用义务,还可以对欠款或欠款的余额进行模拟补偿。 用户也可能有机会参与相关的现实世界金融交易。 在一些实施方式中,不同位置处的多个玩家可以使用虚拟费用帐户和/或真实世界帐户来安排或解决虚拟信用交易。 在某些情况下,一些实施例使得在虚拟信用交易中产生的债务人义务和/或债权人的权利被转移到另一方,而无需获得这种转移的许可。