When customers buy a product or a service from a company, they are assigned credits which they can trade, redeem or invest for eventual dividends in Innovation, new products and Social Enterprise projects championed by the company or corporation.
At the point of purchase, part of the price the customer pays for the product or service is refunded to him in the form of CISESE credits, deposited into an online account immediately. The customer is awarded his 'stock', and if he or she already knows what they want to invest in, they can tell the cashier or tick a box, depending on whether they are shopping in person or on the internet.
Customers are encouraged to explore the online investor community they have become a part of, and determine where they wish to see the capital they have just handed over invested. The company may present a range of dividends in return for this investment; a discount on a new line or product when it eventually comes to market, or the joy of seeing a new local playground built, thanks in part to your own choices. A larger scale KIVA/Kickstarter with a choice of innovation and social enterprising ventures...WITH DIVIDENDS!
As well as learning what different consumer groups value in the communities around them, the stock market could also help companies identify the products and services that their customers really desire, and gain a deeper market insight in the process.
As projects succeed or fail, share prices go up and down. What was worth 100 credits one week may double or halve depending on the progress of the idea. By offsetting the earliest redemption date from the date of purchase by between 1-12 months, companies invite a longer-term and deeper connection with their brand. Delayed gratification may help people begin to really think about what will be important to them in the future.
This model is conceptualized as an Internal Stock exchange within each brand/company. But there is potential for companies to partner on funding larger social enterprises, and even offer credit exchanges as part of bigger network of companies using the same model.