and wherein the one or more venders redeem the non-negotiable credits, which were received from the customer for purchases, with the credit providing entity as part of a previously established agreement between the one or more venders and the credit providing entity, wherein at least one of ...
wherein the loyalty program redeems the non-negotiable credits for a restricted list of goods or services; at least one processor, responsive to executing program instructions of at least one memory, accessing a second storage device containing information of an entity independent funds account of ...