Abstract: A an exchange of rewardable consumer engagement opportunities includes generating a rewardable consumer engagement opportunity (RCEO) having one or more characteristics based on received entity information in response to an entity request, generating a bank of one or more rewards based on the one or more characteristics of the rewardable consumer engagement opportunity, receiving a user-initiated request for a reward based on a reported performance of a user from a communications device, determining a location of the user performance, identifying a reward in the bank of one or more rewards compatible with the reported user performance and a determined location of the user performance, transmitting the identified reward to the communications device, receiving a response from the communications device confirming acceptance or rejection of the reward and adjusting the reward bank to reflect acceptance or rejection of the reward.