Abstract: Apparatus and methodology employable in an e-learning environment which links with a selected e-learning management system to respond to e-learning benchmarks, and other events relating to e-learning activities, by offering buildable student bank accounts of value points which can be redeemed for various incentive awards that are made known and available to a participating student via a virtual store which is configurable freely to show and describe, and to present values of, such awards. Award inventory, award value, and the relationship which exists between made-available awards and particular benchmarked learning activities, or other events, are freely and widely reconfigurable and modifiable in various ways by a host who manages and configures the system and methodology of the invention.