Virtual credit with transferability

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

• 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 creditor right based on the acquisition of something of potential value;
• and
• making a record of the credit arrangement.

A method of conducting virtual world transactions, comprising:

• 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 creditor right;
• and
• making a record of the credit transaction.

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

• 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 right of a creditor participant arising from the credit transaction;
• and
• making a record of any such transfer.