Title of Invention: Automated teller machine (ATM) providing money for loyalty points Abstract: An automated teller (ATM) machine providing unattended financial functions comprising financial account access to authorized ones of the users' financial accounts, withdraws from authorized ones of the users' financial accounts, deposits into authorized ones of the user's financial account. The ATM also provides unattended non-negotiable account functions including interactive account access to authorized ones of a set of non-negotiable fund accounts, conversions between value stored in authorized ones of the non-negotiable fund accounts and authorized ones of the user's financial accounts, and/or withdrawals of negotiable funds resulting from ATM machine conversions of a quantity of non-negotiable funds in authorized ones of the non-negotiable fund accounts into paper currency. Detailed Description: Part general_description_paragraphs: Part CROSS-REFERENCE TO RELATED APPLICATIONS: This is a continuation in part application of U.S. application Ser. No. 15/013,129 (Filed 2 Feb. 2016) titled “CONVERSION OF LOYALTY PROGRAM POINTS TO COMMERCE PARTNER POINTS PER TERMS OF A MUTUAL AGREEMENT”, which is pending at the time of this filing. Application Ser. No. 15/013,129 is part of a chain of patents, each ultimately claiming priority to a parent that is U.S. application Ser. No. 11/420,255 (Filed 25 May 2006) now U.S. Pat. No. 7,703,673. The chain of priority and relationships is detailed below. Specific attention for FIG. 1-6 and contents of these sections is provided from U.S. application Ser. No. 13/168,814 (Filed 24 Jun. 2011) now U.S. Pat. No. 8,376,224 ('224 patent) having content incorporated in its entirety through the pending application Ser. No. 15/013,129. As filed, the present application includes content in its independent claims from the specification of the '224 patent. Because the U.S. application Ser. No. 15/013,129 is and patents in that chain to the '224 patent incorporate the content of the '224 patent by reference in its entirety, this application is properly considered a continuation in part of U.S. application Ser. No. 15/013,129 as the FIGS. 1-6 at least appear different from those of U.S. application Ser. No. 15/013,129. The '224 patent has figures consistent with U.S. provisional patent 61/358,650 titled “SELF-SERVICE STATIONS FOR UTILIZING NON-NEGOTIABLE CREDITS EARNED FROM A GAME OF CHANCE”, which was filed on 25 Jun. 2010. The '224 patent was a continuation application of U.S. application Ser. No. 15/013,129 (Filed 2 Feb. 2016), which converted the provisional application of U.S. provisional patent 61/358,650 thus, the chain of priority to the '650 provisional to the '224 patent is proper. The above paragraph is provided as an explanation serving to assist in clarity, especially given that the chain for priority is complex as detailed below. This is a continuation application of U.S. application Ser. No. 15/013,129 (Filed 2 Feb. 2016), which is a continuation of U.S. application Ser. No. 14/612,863 (Filed Feb. 3, 2015); Ser. No. 14/314,178 (filed Jun. 25, 2014); U.S. application Ser. No. 14/314,196 (Filed Jun. 25, 2014); and U.S. application Ser. No. 14/314,297 (Filed Jun. 25, 2014). The above applications claim the benefit of U.S. Pat. No. 7,703,673 (Filed May 25, 2006); U.S. Pat. No. 8,123,127 (Filed Mar. 10, 2010); U.S. Pat. No. 8,162,209 (Filed Apr. 13, 2010); U.S. Pat. No. 8,181,863 (Filed Jan. 26, 2012); U.S. Pat. No. 8,181,864 (Filed Jan. 26, 2012); U.S. Pat. No. 8,186,583 (Filed Jan. 26, 2012); U.S. Pat. No. 8,201,734 (Filed Mar. 23, 2012); U.S. Pat. No. 8,245,925 (Filed Apr. 6, 2012); U.S. Pat. No. 8,267,315 (Filed May 24, 2012); U.S. Pat. No. 8,297,502 (Filed Jun. 25, 2012); U.S. Pat. No. 8,313,023 (Filed Jun. 25, 2012); U.S. Pat. No. 8,342,399 (Filed Jul. 5, 2012); U.S. Pat. No. 8,376,224 (Filed Jun. 24, 2011); U.S. Pat. No. 8,511,550 (Filed Apr. 16, 2013); U.S. Pat. No. 8,523,063 (Filed Apr. 16, 2013); U.S. Pat. No. 8,523,064 (Filed May 21, 2013); U.S. Pat. No. 8,540,152 (Filed May 23, 2013); U.S. Pat. No. 8,668,146 (Filed Nov. 20, 2012); U.S. Pat. No. 8,162,209 (Filed Apr. 13, 2010) and U.S. Pat. No. 8,684,265 (Filed Nov. 20, 2012), and Ser. No. 13/969,936 (filed Aug. 19, 2013); U.S. application Ser. No. 13/969,896 (Filed Aug. 19, 2013); U.S. application Ser. No. 13/969,873 (Filed Aug. 19, 2013); U.S. application Ser. No. 14/034,492 (Filed Sep. 23, 2013); U.S. application Ser. No. 14/024,921 (Filed Sep. 12, 2013); and U.S. application Ser. No. 14/024,936 (Filed Sep. 12, 2013); U.S. application Ser. No. 14/611,764 (Filed Feb. 2, 2015); and U.S. application Ser. No. 14/549,210 (Filed Nov. 20, 2014). Walking the chain of priority and the relationships in order by date (all applications and patents are U.S. Applications), the original filing is U.S. application Ser. No. 11/420,255 filed on May 25, 2006 issued as U.S. Pat. No. 7,703,673 (the '673 patent). U.S. application Ser. No. 12/720,743 now U.S. Pat. No. 8,123,127 (the '127 patent) filed Mar. 10, 2010 is a continuation in part (CIP) of the '673 patent. U.S. application Ser. No. 12/759,506 now U.S. Pat. No. 9,162,209 (the '209 patent) filed Apr. 13, 2010 is a continuation of the '127 patent and a CIP of the '673 patent. U.S. application Ser. No. 13/168,814 now U.S. Pat. No. 8,376,224 (the '224 patent) filed on Jun. 24, 2011 is a CIP of the '673, '127, '209 patents, and converts provisional 61/358,650 filed on Jun. 25, 2010. U.S. application Ser. No. 13/359,080 now U.S. Pat. No. 8,181,863 (the '863 patent) filed on Jan. 26, 2012 is a continuation of the '673 patent. U.S. application Ser. No. 13/359,104 now U.S. Pat. No. 8,181,864 (the '864 patent) filed on Jan. 26, 2012 is a continuation of the '673 patent. U.S. application Ser. No. 13/359,120 now U.S. Pat. No. 8,186,583 (the '583 patent) filed on Jan. 26, 2012 is a continuation of the '673 patent. U.S. application Ser. No. 13/428,656 now U.S. Pat. No. 8,201,734 (the '734 patent) filed on Mar. 23, 2012 is a continuation of the '673 patent. U.S. application Ser. No. 13/441,365 now U.S. Pat. No. 8,245,925 (the '925 patent) filed on Apr. 6, 2012 is a continuation of the '673 patent. U.S. application Ser. No. 13/441,365 now U.S. Pat. No. 8,267,315 (the '315 patent) filed on May 24, 2012 is a continuation of the '673 patent. U.S. application Ser. No. 13/532,342 now U.S. Pat. No. 8,297,502 (the '502 patent) filed on May 24, 2012 is a continuation of the '673 patent. U.S. application Ser. No. 13/531,904 now U.S. Pat. No. 8,313,023 (the '023 patent) filed on Jun. 25, 2012 is a continuation of the '673 patent. U.S. application Ser. No. 13/542,451 now U.S. Pat. No. 8,342,399 (the '399 patent) filed on Jul. 5, 2012 is a CIP of the '673, '127, '209, and '224 patents, and converts provisional 61/595,351 filed on Feb. 6, 2012, 61/595,263 filed on Feb. 6, 2012, and 61/595,429 filed on Jun. 25, 2010. U.S. application Ser. No. 13/681,479 now U.S. Pat. No. 8,684,265 (the '265 patent) filed on Nov. 20, 2012 is a CIP of the '673, '127, '209, '224, '399 patents, and converts provisional 61/595,351, 61/595,263, and 61/595,429. U.S. application Ser. No. 13/681,493 now U.S. Pat. No. 8,668,146 (the '146 patent) filed on Nov. 20, 2012 is a CIP of the '673, '127, '209, '224, '399 patents, and converts provisional 61/595,351, 61/595,263, and 61/595,429. U.S. application Ser. No. 13/863,605 now U.S. Pat. No. 8,523,063 (the '063 patent) filed on Apr. 16, 2013 is a continuation of the '399, '146, and '265 patents and is a CIP of the '673 patent. U.S. application Ser. No. 13/863,556 now U.S. Pat. No. 8,511,550 (the '550 patent) filed on Apr. 16, 2013 is a continuation of the '673 and '502 patents and a CIP of the '146 and '265 patents. U.S. application Ser. No. 13/899,023 now U.S. Pat. No. 8,523,064 (the '064 patent) filed on May 21, 2013 is a continuation of the '502 patent. U.S. application Ser. No. 13/901,175 now U.S. Pat. No. 8,540,152 (the '152 patent) filed on May 23, 2013 is a continuation of the '399 patent. U.S. application Ser. No. 14/034,492 now U.S. Pat. No. 8,833,650 (the '650 patent) filed on Sep. 23, 2013 is a continuation of the '152 patent and is a CIP of the '673 patent. U.S. application Ser. No. 13/969,873 now U.S. Pat. No. 8,763,901 (the '901 patent) filed on Aug. 19, 2013 is a continuation of the '502 patent and application Ser. No. 13/420,255 and is a CIP of the '146 patent and the '265 patent. U.S. application Ser. No. 13/969,896 now U.S. Pat. No. 8,783,563 (the '563 patent) filed on Aug. 19, 2013 is a continuation of the '502, '550, and '064 patents and application Ser. No. 13/420,255 and is a CIP of the '146 patent and the '265 patents. U.S. application Ser. No. 13/969,936 now U.S. Pat. No. 8,794,518 (the '518 patent) filed on Aug. 19, 2013 is a continuation of the '502, '550, and '064 patents and application Ser. No. 13/420,255 and is a CIP of the '146 patent and the '265 patents. U.S. application Ser. No. 14/024,936 now U.S. Pat. No. 8,789,752 (the '752 patent) filed on Sep. 12, 2013 is a continuation of the '146, '265, and '152 patents. U.S. application Ser. No. 14/024,921 now U.S. Pat. No. 8,807,427 (the '427 patent) filed on Sep. 12, 2013 is a continuation of the '146, '265, and '152 patents. U.S. application Ser. No. 14/314,178 now U.S. Pat. No. 8,944,320 (the '320 patent) filed on Jun. 25, 2014 is a continuation of the '673, '518, 901, 563, 752, 427, and 650 patent. U.S. application Ser. No. 14/314,196 now U.S. Pat. No. 8,973,821 (the '821 patent) filed on Jun. 25, 2014 is a continuation of the '518, '901, '563, '752, '427, and '650 patents and is a CIP of the '673 patent, U.S. application Ser. No. 14/314,297 now U.S. Pat. No. 8,950,669 (the '669 patent) filed on Jun. 25, 2014 is a continuation of the '673, '518, '901, '563, '752, '427, and '650 patents and is a CIP of the '673 patent. U.S. application Ser. No. 14/611,764 now U.S. Pat. No. 9,230,264 (the '264 patent) filed on Feb. 2, 2015 is a continuation of the '821, '669, and '320 patents. U.S. application Ser. No. 14/612,863 now U.S. Pat. No. 9,251,528 (the '528 patent) filed on Feb. 3, 2015 is a continuation of the '821, '669, and '320 patents. U.S. application Ser. No. 15/013,129 (the '129 application) filed on Feb. 2, 2016 is a continuation of the '528, '320, '821, and '669 patents. The present filing is a CIP of the '673 patent (application Ser. No. 11/420,255), the '127 patent (application Ser. No. 12/720,743), the '209 patent (application Ser. No. 12/759,506), the '224 patent (application Ser. No. 13/168,814), the '863 patent (application Ser. No. 13/542,451), the '864 patent (application Ser. No. 13/542,451), the '583 patent (application Ser. No. 13/542,451), the '734 patent (application Ser. No. 13/542,451), the '925 patent (application Ser. No. 13/542,451), the '315 patent (application Ser. No. 13/542,451), the '502 patent (application Ser. No. 13/542,451), the '023 patent (application Ser. No. 13/531,904), the '399 patent (application Ser. No. 13/542,451), the '550 patent (application Ser. No. 13/863,556), the '064 patent (application Ser. No. 13/899,023), the '175 patent (application Ser. No. 13/901,175), the '265 patent (application Ser. No. 13/681,479), the '146 patent (application Ser. No. 13/681,493), the '063 patent (application Ser. No. 13/863,605), the '650 patent (application Ser. No. 14/034,492), the '901 patent (application Ser. No. 13/969,873), the '563 patent (application Ser. No. 13/969,896), the '752 patent (application Ser. No. 14/024,936), the '518 patent (application Ser. No. 13/969,936), the '427 patent (application Ser. No. 14/024,921), the '320 patent (application Ser. No. 14/314,178), the '821 patent (application Ser. No. 14/314,196), the '669 patent (application Ser. No. 14/314,297), the '264 patent (application Ser. No. 14/611,764), the '528 patent (application Ser. No. 14/612,863), and the '129 application (application Ser. No. 15/013,129). The entire contents of each and every one of the above utility and provisional applications and patents are incorporated by reference herein in their entirety. Part BACKGROUND: Part Field of the Invention: The present invention relates to the field of interactive, unattended service architecture and automated teller machines (ATMs), and more particularly, to automated teller machines (ATMs) and other kiosks that provide money for loyalty points and other non-negotiable credits as well as provide functions from an ATM/Kiosk related to loyalty points and non-negotiable credits. Part Description of the Related Art: Entities often reward consumers for utilizing their services with entertainment credits. These non-negotiable credits can often be applied towards products and/or services provided by a granting entity or its affiliates. The entity offering the reward can be a gambling institution and the entertainment credits can be earnings from wagers while playing a game of chance. Entertainment credits can have no value outside the gambling institution and cannot be used for purchases outside the casino. Thus, to perform purchases at venues independent of the casino with earnings, frequently patrons are required to “cash out” to change entertainment credits (e.g., casino tokens) earned from the game of chance to currency (e.g., paper money). Many problems are inherent to the current techniques for the redemption (i.e., “cash out”) of entity provided credits. One such problem is the high level of manpower necessary during the cash out and conversion process. Manpower is arguably the highest operation cost associated with any enterprise and business cost saving measures routinely begin with personnel cutbacks and subsequent automation, which can be evidence by the brokered rise of kiosks. Another drawback of the traditional cash out procedure can be security related (i.e., it facilitates theft). Moreover, patrons of a venue may often prefer to conduct transactions utilizing a self-service kiosk rather than wait in long lines for human assistance. One area immature in automation technology is where earnings from games of chance occur. Merchants have used loyalty rewards programs for many years to create and maintain customer loyalty and increase the perceived value of their goods and services. However, the perceived value of the loyalty program rewards points is diminished by the limited redemption options available to the loyalty program member that the reward points granting entity provide. Loyalty point exchange systems emerged that allow members of different loyalty programs to exchange rewards points in one loyalty program for loyalty points in another. The exchange systems did not operate loyalty points programs of their own, but acted as proxies for a number of third party loyalty program operators. In these exchange systems, no loyalty program operator had any agreement with any other loyalty program operator. Instead, each loyalty program operator unilaterally established a “buy rate” and “sell rate,” which the exchange system relied upon. POINTS.COM is an example of such an exchange system that necessarily suffers from a low conversion rate and a continuous loss of value, as each transaction is an open market transaction. Open market transactions impede an ability of a loyalty program operator to shape future consumer behavior, which is a value of running the loyalty program achieved by the loyalty program operator. In other words, open market transactions turn otherwise negotiable units of value (loyalty points) into a fungible unit of value, thereby circumventing loyalty operator established restrictions, conditions, and constraints intentionally implemented for member behavior shaping purposes. Traditionally, exchange centers (like POINTS.COM) have not recognized pitfalls of turning non-negotiable units of value (loyalty points) into fungible units of exchange, which is addressed herein in a novel manner. That is, conventional exchange systems had certain drawbacks inherent in their implementations that are consistent with blindspots present in conventional teachings specific to loyalty points and their transferability. In conventional exchange systems, customer loyalty to a particular merchant was reduced, loyalty program operator's ability to channel customer behavior was diminished, and the centralized loyalty point conversion systems added a middleman charge to every transaction. The inventors of the present disclosure and related patents of the same family realized that by limiting the points conversions by agreement to complementary businesses such as hotels, airlines, and rental car agencies, the agreed parties could offer their loyalty program members the benefits of increased redemption options while still getting the benefit of creating and maintaining customer loyalty that the loyalty programs were intended to provide. Furthermore, customer behavior could be channeled to the benefit of each of the commerce partners who were parties to the agreement, and cross promotions and other marketing programs could enhance each partners business with no detriment to their complementary business partners. Thus, advantages of a specific consumer partner relationship and member exposure to this relationship serves to balance negatives resulting from increased fungibility of loyalty program points, from a program operator perspective. The value of the synergy created by these agreed loyalty point conversion arrangements was not apparent to loyalty program operators at the time of the filing of the parent patent in the present patent family on May 25, 2006, as evidenced by the lack of any such systems at that time. Today, however, almost all sole source loyalty program operators (operators having strong loyalty program barriers that expressly impose restrictions, conditions, and constraints that limit fungibility of granted loyalty points) in the airline, hotel, rental car agency, credit card, and other industries operate under these kind of mutually beneficial points conversion agreements. Another attempted solution to granting consumers increased redemption options is to aggregate large sets of retailers into a single rewards program. These aggregated programs, sometimes referred to as networked loyalty programs, have disadvantages in that participating retailers surrender control to a centralized, aggregate program. In these programs, many merchants distribute points originated by the networked program operator that secures or backs the points (thus guaranteeing the value). Within the network loyalty program, network points are fungible across point distributing merchants. In these networked loyalty programs, however, merchants are restricted from shaping behavior of customer to an extent possible with sole source program since incentives present for the program operator (the networked loyalty program operator) are based on increasing merchant and consumer participation to create a “natural monopoly” that reinforces and incentives participants to join the networked program (which the networked loyalty program operator receives fees or profit on a per-transaction basis, justifying the operating costs from the program operator perspective). Thus, merchants do not have their own “program” but are participants in the networked program, which inherently imposes operating constraints on the merchant distributors—as there is a tension between merchant desires/incentives and those of the networked loyalty program operator. In other words, merchants have a hard time restricting redemption options to those minimizing merchant costs and have a challenge shaping consumer behavior using restrictions, conditions, and other constraints (such as redemption constraints, expiration dates that provide point pressure on members, and member-ship requirements specific to the merchant as other merchants are point distributing participants by nature of a networked program) that are inherently/implicitly present in a well-balanced independent loyalty program (such as those typically operated by airlines and hotels). For example, if competitors are permitted to join in the aggregate program (as merchant point distributors), customers of the aggregate program have options within the program for competing goods and services. Loyalty to a specific retailer is compromised. In the present disclosure, the loyalty points are “non-negotiable” because of the restrictions imposed by the points granting entity become, as a result of the conversion, funds that are independent of the granting entity and its restrictions. Part DETAILED DESCRIPTION: FIG. 1 is a diagram 100 of a service kiosk 110 in which a multitude of traditional (e.g., automated teller machine, etc.) as well as non-traditional (i.e., entertainment credit conversion, e-commerce transactions, etc.) functions can be performed. In accordance with an embodiment of the disclosure, kiosk 110 can be an example of a multi-function kiosk. In this instance, an automated teller machine (ATM) that can be placed on the premise of say a casino or other entertainment venue can perform what can be described as classic functions of an ATM (e.g., financial account access, withdrawals, deposits, transfers, etc.) as well as other, non-traditional functions. These non-traditional functions can be associated with converting earnings from a game of chance in the form of entertainment credits to negotiable credits (e.g., currency) and the use of those negotiable credits. Service kiosk 110 can include interactive screen 120, which can take a variety of fashions, such as a touch screen or an LCD screen with control buttons, and the like. Interactive screen 120 can display options for logging in 122 to a user account with the entertainment venue, as well as other service kiosk 110 options 124 such as an option to solely access traditional ATM functions, do a fast credit conversion, conduct e-commerce transactions (shopping), redeem credits for local attraction tickets, and the like. Service Kiosk 110 can also include keyboard 125 and mouse 127 to facilitate ease of use for the user. Moreover, service kiosk 110 can include hardware and software components necessary for proper implementation and functions the self service kiosk 110 can allow users to perform. For example, self service kiosk 110 can include card reader 130, receipt/transaction record printer 135, voucher/earnings ticket receiver 140, bill receptacle 145, bill presenter 150, credit chip counter/coin counter 155, credit chip/coin return 160, and the like. Card reader 130 can be utilized to read and amend information for account access via regular ATM cards, entertainment venue club cards, and the like. Voucher/earnings ticket receiver 140 can accept and read vouchers, earnings tickets, and the like, whereas bill receptacle 145 can accept paper currency (e.g., U.S. dollar bills, game paper bills, etc.) for use in performing user selected service kiosk 110 functions 124. Bill presenter 150 can dispense paper currency (legal tender, non-legal tender such as game bills, etc.). Entertainment credit chip counter 155 can be a dual function counter for both coins and entertainment “chips” or tokens. In one instance, credit chip counter 155 can function much like a traditional coin counter that can potentially utilize a coin counting machine technique where a typical counter of presorted coins uses a bowl with a flat spinning disc at the bottom to distribute coins around the bowl perimeter. In this instance, an opening in the edge of the bowl can be wide enough to accept only one coin at a time and coins can either pass through a light-beam counter, or can be pushed through a spring loaded cam that only accepts one coin at a time. The entertainment credit chip counter can be combined with a chip verifier (e.g., using RFID or barcode, etc.) to increase security. In another instance, chips can be encoded with information regarding the date of the earning and if the date is outside of a certain entity determined redemption date range the service kiosk may return (via chip and coin return 160) the selected unverified entertainment credit chips to the user with a prompt asking the user to please see a human teller for assistance with the remaining entertainment credit tokens. For the purposes of this disclosure, a kiosk can be a form of interactive computer terminal that provides information access via electronic methods. Most kiosks can provide unattended access to web applications. Interactive kiosks can typically be placed in high foot traffic settings such as hotel lobbies or airports. Kiosks can perform a wide range of functions, evolving into self-service kiosks. For instance, kiosks may enable users to enter a public utility bill account number in order to perform an online transaction, or collect cash in exchange for merchandise (e.g., the Best Buy or Rosetta Stone vending machines in airports and malls). Self-service kiosks can be hardware devices that work in combination with self service software, allowing users to perform any number of possible transactions. The method of input can, for instance, be either a keyboard, touch-screen, or both. Some kiosks can include card readers, ticket and receipt printers, bill and coin depositors, robotic product arrays, bar code scanners, identification devices including biometrics, and other more complex mechanical devices. Terminals can be connected to the internet and can provide access to a customized, unattended version of some sort of application. Intended for both consumers and business industries, benefits include ease of access, reduced transaction time, access to information and the ability to perform multiple transactions. More specifically, benefits can be [1] Reduction in staff and real estate requirements since one employee can monitor multiple self-service kiosks; [2] Unattended operation with extended service hours and off-site locations; [3] Provide users with a more enjoyable experience boosting customer satisfaction; [4] Track usage statistics, etc. FIG. 2 is a diagram of a system 200 in which non-negotiable funds 236 earned from a game of chance 222 are converted into negotiable funds 238 in accordance with an embodiment of the inventive arrangements disclosed herein. The non-negotiable funds 136 can be used during a kiosk commercial transaction 214 to receive goods/services from a vendor 226. In one embodiment, multiple interactions 230 can occur between a person 210 and a game providing entity 220, in which the person 210 plays a game of chance 222. During each interaction 230, an optional wager 232 can be made. With each successful outcome of the game of chance 222, person 210 can receive entertainment credits 134. With each non-successful outcome of the game of chance 222, the person 210 can lose their wager 232 (if one is made). The entertainment credits 234 are non-negotiable funds 236. These funds 236 (e.g., the entertainment credits 234) may not be redeemable on an open market. For instance, vendor 226 will not accept 218 the entertainment credits 234 for commercial transactions 214. A conversion agency 224, which is not directly associated 216 with the game providing entity 220 can convert the non-negotiable funds 236 (which can be a quantity of entertainment credits 234) into negotiable funds 238. This conversion can occur in response to a request 212 by person 210. The request 212 can be explicit or implied. For instance, a person can provide vendor 226 with the non-negotiable funds 236, which causes the vendor 226 to convey funds 236 to the conversion agency 224 and receive negotiable funds 238 in return. Thus, a sequence of events between the request 212, commercial transaction 214, conversion agency 224, vendor 226, and person 210 can be altered and still be considered within scope of the disclosure. Further, delays can be introduced in the fund conversion process (between funds 236 and 238), as can different types of fund-based transactions, such as loans, pre-payment, post-payments, and the like. For instance, conversion agency 224 can advance the vendor 226 a quantity of negotiable funds 238, which is legally considered a loan made by the conversion agency 224 to the person 210. The game providing entity 220 can repay the loan to the conversion agency 224 for the person 210. Person 210 can conduct a commercial transaction 214 with vendor 226. During the transaction 214, the person 210 can specify a user-selected set of requests 215 for goods and/or services 217 of the vendor 226. The goods and/or services 217 can cost a quantity of negotiable funds 238, which are provided to the vendor 226. In one embodiment, the negotiable funds 238 can be provided directly to the vendor 226 by the conversion agency 224. In another, the negotiable funds 238 can be provided by the conversion agency 224 to person 210, who provides these funds 238 to the vendor 226. Numerous embodiments exist for conducting the conversions as described herein, a few of which are shown as embodiments 260 and 270. Embodiment 260 shows a portable artifact embodiment, where a person 210 stores entertainment credits 234 from the game of chance 222 upon a portable artifact 262, which can be a physical card with a magnetic strip, a RFID storage device, a flash memory card, a paper voucher, or other tangible artifact able to store digitally encoded (analog encoded, or even paper encoded or written) data. Machines 264 upon which the games of chance 222 are played can include a reader/writer able to alter content stored on the portable artifact 262. In one embodiment, the “writer” can print vouchers to paper. The reader/writer need not be integrated into the machine 264, but can be a separate machine, in one embodiment of the disclosure. In one configuration, wagers 232 can be made from value stored on the artifact 262 and earnings (e.g., credits 234) can be recorded on the artifact 262. The person 210 can thereafter shop at a kiosk of vendor 226 and present a cashier 264 with the artifact 262. A cash register 265 used by the cashier 264 can be connected to a network 266. The conversion agency 224 can have a network element 268 connected to the network 266, which converts non-negotiable funds 236 on the artifact 262 into a quantity of negotiable funds 238 needed to complete the commercial transaction 214 conducted via the register 265 and cashier 264. From the perspective of the vendor 226, the transaction 214 conducted via the register 265 is a “standard” transaction that results in the vendor 226 receiving suitable negotiable funds 238 for providing the goods/services 217 to person 210. In another embodiment, a “non-standard” transaction can occur, which involves the vendor 226 performing an additional set of one or more steps to explicitly convert the non-negotiable funds 236 to negotiable funds 238. Embodiment 270 shows an account transfer embodiment 270, where a person 210 plays a game of chance 222. Earnings (e.g., 234, 236) from the game of chance 222 are recorded within a tangible data store 274 associated with the game providing entity 220. This data store 274 can include an account 275 for the person 210, which tracks an amount of entertainment credits 234, which are non-negotiable funds 236, of the person 210. Conversion agency 224 can directly access the account 275 of data store 274 and can convert a quantity of credits 234 into negotiable funds 238, which are recorded in a tangible data store 276 that is not directly associated with entity 220. The data store 276 can include an account 277 for the person 210, which contains an amount of negotiable funds 238, of the person 210. A person 210 can conduct commercial transactions 214 via a machine 279, such as a kiosk, an ATM machine, etc., which involve funds of account 277 changing. In one embodiment, the goods/services 217 received from person 210 in embodiment 270 can include cash (such as from an ATM machine). This cash can be an amount of cash-back received during transaction 214, can be the transaction 214 itself and may involve a transaction fee, which is extracted from account 277 by machine 279. The embodiments 260, 270 are for illustrative purposes only and are not intended to be (or to be construed as being) exhaustive or comprehensive. For instance, any combinations of the embodiments 260, 270 are to be considered within scope of the disclosure. In a contemplated configuration, entertainment credits earned via machine 264 and placed on artifact 262 (per embodiment 260), which can be placed in a machine 279, such as an ATM (per embodiment 270) to extract funds 238, which are converted (by agency 224) from the credits 234 stored on artifact 262. In one embodiment, the conversion agency 224 can be compensated (e.g., charge a processing fee) for converting the non-negotiable funds 236 to negotiable funds 238. This fee can be paid to conversion agency 224 by the game providing entity 220, the person 210, and/or by the vendor 226. As used herein, a game of chance 222 can be a game in which an outcome is at least partially determined by random variables rather than strictly by strategy. There can be a level of “skill” or strategy involved in a game of chance 222, which can increase a person's 210 odds of a positive outcome. Common devices used in a game of chance 222 to add a significant random variable include dice, spinning tops, playing cards, roulette wheels, numbered balls drawn from a container, use of a computer or machine generated random number, and the like. Games of chance can also involve betting on an outcome of sports events and other such competitive games having an uncertain outcome. Many (but not all) games of chance 222 are designed so that statistical odds favor the “house” or the game providing entity 220. That is, statistically, a large set of interactions 230 involving wagers 232 and credits 234 (assuming for the moment that the wagers 232 are credit 234 based wagers) will result in a net gain of credits 234 to the game providing entity 220 receiving more credits 234 (as wagers 232) than they provide (as winnings) over a relatively large set of interactions 230. Stated differently, a game of chance 222 can have mathematically-determined odds that ensure the house (e.g., game providing entity 220) has at all times an advantage over the players (e.g., person 210). This can be expressed more precisely by the notion of expected value, which is uniformly negative (from the player's (person 210) perspective). This advantage is called the house edge. In games of chance 220 such as poker where players (210) play against each other, the house (entity 220) takes a commission called the rake. A game of chance 222 does not necessarily involve a wager 232, though it may. For instance, sweepstakes are a type of a game of chance 222, which may (e.g., lottery) or may not (e.g., promotional sweepstakes) involve a wager 232. A promotional sweepstakes can be a marketing promotion targeted towards both generating enthusiasm and providing incentive reactions among customers by enticing consumers to submit free entries into drawings of chance that are tied to product or service awareness wherein the featured prizes are given away by sponsoring companies. A game of chance 222 is defined herein to include any type of gambling game or event. In many jurisdictions, local as well as national, gambling (e.g., games of chance 222) are banned, heavily controlled by licensing, and/or are subject to government regulations and restrictions. Under US federal law, gambling is legal in the United States, and states are free to regulate or prohibit the practice. Thus, any event of uncertain outcome that is subject to state (or federal) regulations under a gambling statute is to be considered a game of chance 222 and within scope of the inventive arrangements (and claims) detailed herein. Because American Indian reservations are considered federally granted lands not subject to state regulation in the same way as other lands, many reservations geographically located in states that prohibit gambling (e.g., games of chance 222) are permitted to provide these games of chance 222, since the lands are not subject to state gambling laws. Similarly, cruise ships that travel outside state jurisdictions, often permit gambling (considered a game of chance 222 for purpose of the claims/disclosure) once the ships are located in international waters. Games of chance 222 can involve a variety of machines (e.g., 264, 272). In many instances regulations (typically under state gambling statutes) can impose that odds in these gaming devices be statistically random, which helps to prevent manufacturers from making some high-payoff results impossible. Games of chance 222 can include, but are not limited to, the following types of gambling: casino games, table games, fixed odd betting, pari-mutuel betting, sports betting, and the like. Specific games of chance 222 include, but are not limited to, Craps, Roulette, Baccarat, Blackjack, Poker, Pachinko, slot machines, Video poker, Bingo, Keno, dead pool, lotteries, pull-tab games and scratch cards, Mahjong, card games (e.g., Liar's poker, Bridge, Basset, Lansquenet, Piquet, Put, Teen Patti), carnival games (e.g., The Razzle or Hanky Pank), coin tossing games (e.g., Head and Tail, Two-up), confidence tricks (e.g., Three-card Monte or the Shell game), dice-based games (e.g., Backgammon, Liar's dice, Passe-dix, Hazard, Threes, Pig, or Mexico), horse or greyhound racing, sports outcome betting, and the like. Game providing entities 220 include any entity providing a game of chance 222 to others (person 210), where entertainment credits 234 can be earned. Game providing entities 220 can include casinos, cruise ships, States (for lottery, scratch off games, etc.), churches (e.g., running bingo games), race tracks, online gambling site providers, slot-machine houses, carnivals, gambling parlors, companies (for promotional sweepstakes), High Schools (for raffles), and the like. The wager 232 can be bet in an outcome of winning a game of chance 222. The wager 232 can risk money, previously earned entertainment credits 234 or something of material value on an event with an uncertain outcome with an intent on winning additional money, credits 234, and/or material goods/services. Typically the outcome of a wager 232 is evident within a short period (such as a duration of the game of chance 222). An amount of entertainment credits 234 earned from winning the game of chance 222 can vary in direct proportion to an amount of the wager (or the stake, which is placed at risk against the uncertain outcome.) A wager 232 can have odds associated with it. Entertainment credits 234 are non-negotiable funds 236 that generally have no value outside of an environment (building, Web site, etc.) of the game providing entity 220. For instance, casinos (one embodiment of entity 220) generally utilize casino tokens, chips, or plaques to represent a quantity of entertainment credits 234. Use of entertainment credits 234, such as casino tokens, can be more convenient than use of negotiable funds 238 for many reasons. For instance, use of entertainment credits 234 makes theft and counterfeiting more difficult. Entertainment credits (which when having a physical representation are often a uniform size and weight) can be relatively easy to stack, count, etc. Additionally, studies have proven people (210) gamble more freely (play games of chance 222 with larger wagers 232 and frequency), when entertainment credits 234 than when wagering 232 with cash or other negotiable funds. Additionally, use of entertainment credits 234, can have legal benefits that can permit entities 220 to conduct games of chance 222, which would be prohibited if negotiable funds 238 were utilized instead of entertainment credits 234. That is, numerous legal statutes and regulations exist that are more restrictive when gambling earnings are in a form of negotiable funds 238. For instance, the Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006 prohibits many online gambling activities with negotiable funds 238, which are permitted with certain forms of non-negotiable funds 236. For instance, electronic fund transfers via credit cards or debit cards related to gambling winnings are generally prohibited by US banks. Similarly, wire transfers of negotiable funds 238 earned through games of chance 222 are legally prohibited in many instances. Many of these acts explicitly prohibit the transfer of negotiable funds from gambling earnings across state lines Non-negotiable funds 236 can include any of a variety of financial instruments that are not legal currency and not governed under article 3 of the Uniform Commercial Code (UCC). For instance, non-negotiable funds 236 can include IOUs issued by the game providing entity 220. In one embodiment, non-negotiable funds 236 can include secured transactions, which take a security interest on collateral owned by the game providing entity's 220 assets, which are subject to Article 9 of the UCC. In one embodiment, the non-negotiable funds 126 can include letters of credit, issued by the game providing entity 220. Negotiable funds 238 comprise a set of negotiable instruments, which are a specialized type of “contract” for the payment of money that is unconditional and capable of transfer by negotiation. As payment of money is promised later, the instrument itself can be used by the holder in due course frequently as money. Common examples include checks, banknotes (paper money), and commercial paper. Thus, negotiable funds 238 include currency, and instruments covered by Article 3 and 4 of the Uniform Commercial Code. For a writing to be a negotiable instrument under Article 3,[1] the following requirements must be met: 1) The promise or order to pay must be unconditional; 2) The payment must be a specific sum of money, although interest may be added to the sum; 3) The payment must be made on demand or at a definite time; 4) The instrument must not require the person promising payment to perform any act other than paying the money specified; 5) The instrument must be payable to bearer or to order. Additionally, negotiable funds include commercial paper, letters of credit (governed by Article 5 of the UCC), Bills of lading (governed by Article 7 of the UCC), securities (governed under Article 8 of the UCC), and deeds and other documents. One important consideration for many negotiable instruments (funds 238) is that they are payable to a bearer on demand. The commercial transaction 214 can be one in which wherein the quantity of negotiable funds 238 are applied to user (210) specified (e.g., via request 215) purchase of a good or service 217. Stated differently, a commercial transaction can be an economic transaction where person 210 receives a good or a service from vendor 226 for value. Commercial transactions 214 can include a sale goods (217) from a kiosk, a Web site, a catalog (mail order), over the phone, and the like. Transaction 214 can also include a payment for a service requested by person 210. Payment of the negotiable funds 238 during the commercial transaction 214 can occur before, after, or concurrent with the receipt (or shipping) of the goods or service 217. A contract (including specifics established by the parties (210 and 226) as well as legal defaults provided by the UCC or applicable common law/state law) between the vendor 226 and person 210 established as part of the commercial transaction 214 can determine when payment (funds 238) for the goods/services 217 is due. In one embodiment, commercial transaction 214 can include transaction where currency is provided to person 210 by a vendor 226 (e.g., a bank as part of an ATM transaction) for a fee. This currency can be provided as a loan or as a withdrawal from an account of person 210, where the account includes the negotiable funds 238. The conversion agency 224 can be a legal entity that converts non-negotiable funds 236 (including entertainment credits 234) into negotiable funds 238. The conversion agency 224 can lack a direct association 216 with the game providing entity 220. In one embodiment, no legal relationship of enablement of corporate identity (no parent, subsidiary, etc.) relationship can exist between the conversion agency 224 and entity 220. No fiduciary duties under corporate law can exist between agency 224 and game providing entity 220. In one embodiment, agency 224 can be geographically located outside property owned or leased by the game providing entity 220. In another, it can lease space and provide its services from entity 220 owned/leased land. In one embodiment, the conversion agency 224 can support multiple different game providing entities 220, which can be competitors of each other. In one embodiment, the conversion agency is not a bank or similar financial institution (and may therefore be outside the guidelines established by UIGEA and other statues and regulations, which impose restrictions on banks). In one embodiment, the conversion agency 224 may be located in the same jurisdiction as the game providing entity (possibly to avoid legal entanglements/restrictions with operating in multiple or across jurisdictional boundaries) or may be located in a jurisdiction with favorable rules for performing the fund conversions. FIG. 3 is a schematic diagram of system 300 for converting non-negotiable credits associated with a game providing entity to negotiable funds in accordance with an embodiment of the inventive arrangements disclosed herein. System 300 can represent a specific embodiment of system 200. In system 300, consumer 305 can interact with a game of chance 222, such as through a game providing entity 220 (e.g., casino). Interactions can occur via a physical interaction with game of chance objects (e.g., dice, playing cards) or via a browser 312, rich internet interface, or other software executing upon client 310. Consumer 305 can purchase goods/services from kiosk 322 provided by vendor 320. These goods/services can be purchased using negotiable funds that a conversion agency server 330 provides. The conversion agency server 330 can convert entertainment credits resulting from earnings of a game of chance (non-negotiable funds) into the negotiable funds. Client 310 can be any of a variety of devices including, but not limited to, a personal computer, a kiosk, a telephone, a personal data assistant (PDA), a mobile phone, a slot-machine, an electronic poker game, and the like. Client 310 can include hardware, such as a processor, a memory, and a bus connecting them (as can server 330, 340, and/or 350). The hardware can execute computer program products (software/firmware) that is stored in a non-transitory storage medium. In one embodiment, client 310 can operate in a stand-alone fashion. Alternatively, client 310 can be a device that cooperatively participates in a network of distributed computing devices. Network 315 can facilitate data exchanges over wireless as well as line-based communication pathways and protocols. In one embodiment, consumer 305 and conversion agency server 330 can interact with associate server 350 and/or financial institution server 340 via network 315. Consumer 305 can interact physically with vendor 320 via kiosk 322. In one embodiment, vendor 320 may be accessible via a specialized type of kiosk 322 (i.e., a specialized web terminal not a generic browser as interface design for interactive kiosks typically requires larger buttons and simpler decision trees than designing for a web or computer based interactive) that may or may not be solely accessible on premises of the game providing entity 220 or via a user 210/consumer 305 member page to the game providing entity 220. Conversion agency server 330 includes user account data store 335 in which consumer 305 is a member. Associate server 350 includes customer data store 355 in which consumer 305 is a member. The server 350 can be a server that maintains funds for a club or organization. For instance, an entertainment club can require members to contribute a membership fee, where the membership fees are maintained by the server 350. Financial institution server 340 includes account data store 342. Account data store 342 includes conversion agency account 344 corresponding to conversion agency 330. Consumer 305 can earn non-negotiable credits from games of chance provided by game providing entity 320. These earnings (e.g., entertainment credits) can be managed by associate server 350 or consumer 305 (e.g., tokens). The quantity of these non-negotiable credits can be saved in customer data store 355. Consumer 305 (or vendor 320) can use conversion agency server 330 to convert the non-negotiable credits from associate server 350 into negotiable funds provided to the vendor 320 or financial institution 340. In one embodiment, conversion agency 330 can maintain multiple accounts for the consumer 305. These different accounts can be associated with different game providing entities, and with different types of non-negotiable credits. For instance, consumer 305 can earn five hundred credits from participating in a game of chance provided by game providing entity 220. Consumer 305 can choose to use conversion agency 330 to convert any or all of these credits to a monetary equivalent prior to initiating a purchase at a kiosk 222. In one embodiment, kiosk 222 can include a means for consumer 305 to convert entertainment credits prior to initiating a purchase via a separate vendor 320 site accessible through the kiosk 222 (e.g., kiosk 222 may be a multifunction kiosk that can include modules to perform ATM as well as e commerce functions). Conversion agency 330 withdraws the necessary amount from conversion agency account 344 contained within the account data store 342 of financial institution 340 and transfers it to an account specified by consumer 305 (or by vendor 320). In another example, consumer 305 uses conversion agency 330 to complete a purchase at kiosk 222. Again, conversion agency 330 withdraws the necessary amount from conversion agency account 344 contained within the account data store 342 of financial institution 340 and transfers it to the account of e-commerce server 320. Vendor 320 can provide a checkout system that supports purchases of goods or services with non-negotiable credits provided by consumer 305. In one embodiment, an intermediary financial object, such as a voucher, can be imposed between the entertainment credits (non-negotiable funds) and the negotiable funds that the vendor 320 receives. In one embodiment, the intermediary financial object can be restricted to a specific set of one or more vendors 320. For instance, the intermediary financial object can be a set of credits (e.g., a prepaid card) usable at a specific vendor. For purposes of the disclosure, it is unimportant as to whether the optional intermediate financial object is a negotiable instrument or a non-negotiable instrument, and it can be either depending on implementation specifics. Ultimately (regardless of a presence or lack of intermediary artifacts and steps), the vendor 320 receives negotiable funds 238 for providing goods/services to the consumer 305 and entertainment credits 234 (non-negotiable funds 236) are used towards the payment for the received goods/services. A commercial transaction (e.g., transaction 214) with the vendor 320 can involve the expenditure of entertainment credits in one embodiment. In another, the consumer 305 can be required to expend a mixture of negotiable funds and non-negotiable funds (entertainment credits 234)
{'bibliographic_information': "{'country': 'US', 'doc-number': '15454040', 'kind': 'B1', 'date': '20170309', 'extension': '32', 'disclaimer_text': 'This patent is subject to a terminal disclaimer.', 'invention_title': 'Automated teller machine (ATM) providing money for loyalty points'}", 'source_file': './grant/2018/ipg180828.xml', 'source_data': 'USPTO-Grant'}