Virtual credit in simulated environments

A method of providing a credit arrangement in a virtual world environment, comprising:

• providing a virtual credit account;
• enabling a user to make simulated purchases of virtual goods and/or virtual services and/or items of virtual value that are charged to the virtual credit account, in which the user receives feedback regarding results of the simulated purchases;
• and
• responsive to making the simulated purchases and receiving the feedback, facilitating usage of an actual financial account to make real-world compensation against a balance due or obligation owed for the virtual credit account.

A system for credit arrangements in a virtual world environment comprising:

• computerized apparatus including a memory and a processor for maintaining information involving a purchase of one or more various virtual products and/or virtual services and/or virtual items;
• a bi-directional user interface for communicating informational messages regarding credit terms associated with said purchase;
• and
• wherein said a balance due or obligation owed resulting from the credit terms are capable of resolution by real-world compensation.

Apparatus for providing virtual credit in a simulated environment, comprising:

• computerized apparatus for storing and processing one or more virtual credit transactions in the simulated environment;
• an interactive communication link with said computerized apparatus to enable a user to participate in said one or more virtual credit transactions;
• and
• an interface capable of operable connection to said interactive communication link and accessible to the user for transmitting informational inputs to provide a basis for credit terms that include remuneration with something of real value against a balance due or other obligation resulting from said one or more virtual credit transactions.