Multi-player game using simulated credit transactions

A method of managing player interaction in a virtual world, comprising:

• providing a virtual world environment with a capability for a player to acquire something of virtual value pursuant to a simulated credit transaction based on credit terms that include a future obligation;
• making a record of the simulated credit transaction;
• and
• imposing a consequence on the player based on a performance record related to compliance with the player's obligation arising from the simulated credit transaction.

A method of player participation in a virtual world environment, comprising:

• providing a virtual world environment accessible by one or more players;
• enabling the one or more players to choose a different destination and/or activity and/or event in the virtual world environment;
• creating an opportunity for the one or more players to participate in a credit transaction with another player and/or a non-player entity;
• and
• making a record of the credit transaction including a performance record of compliance or non-compliance with terms of the credit transaction.

A computer program product having one or more computer programs for executing a computer process, the computer process comprising:

• providing a virtual world environment accessible by a player;
• enabling the player to choose a destination and/or activity and/or event in the virtual world environment;
• creating a credit transaction involving the player with another player and/or with a non-player entity;
• and
• keeping a record of the credit transaction including a record regarding the player's compliance with terms of the credit transaction.