1. A method comprising: initiating, via computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, a storefront transaction between a consumer and a vender; detecting, via computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, a set of one or more goods or services for sale; determining, via computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, a cost for the sale in negotiable funds; and completing, via computing equipment having at least one processor executing program instructions that are digitally encoded in at least one storage device, the sale, wherein the vender receives an amount of substantially the cost for the sale in negotiable funds in exchange for the one or more goods or services at least a portion of the negotiable funds resulting from a quantity of non-negotiable credits being redeemed, wherein the consumer expends the quantity of non-negotiable credits for the sale as well as zero or more negotiable funds, said zero or more negotiable funds being less than said cost, wherein said non-negotiable credits are earned from previous interactions with an entity, where the quantity of non-negotiable credits are not able to be applied to the sale in absence of having the quantity of non-negotiable credits converted due to the non-negotiable credits having restrictions on their use.