An embodiment of the present invention provides a method of transferring content within a system having a credit managing device, a content providing device and a user device. The method includes: registering the user device with the credit managing device; providing a universal credit to the user device from the credit managing device; providing encrypted content and a pre-rights generator from the content providing device to the user device at a first time without consuming the universal credit; generating a decryption key from the pre-rights generator a second time after the first time; and decrypting, via the decryption key, the encrypted content at the user device and consuming a portion of the universal credit.