Abstract: A system includes a banking network (1) and a rewards server (2). An integrated wallet with mobile access (3) is connected to the banking network (1) and is configured to facilitate payment flows. A tracking device (4) is connected to the rewards server (2) and is configured to track and measure levels of financial knowledge and understanding of financial concepts of system users. The rewards server (2) is configured to store trading data as well as said measures of financial knowledge and by virtue of communicating to an interface, through which traders can accumulate reward points based on trading activity or level of financial knowledge. The foregoing components may be connected to an exchange system (5). Exchange system (5) may also be connected to a user trading terminals.

Abstract: This invention provides risk management systems and methods for enterprises associated with a wide variety of sports activities, e.g., sports having individual athlete participants as well as sports having team participants; sports activities having regional, national, or international scope; professional and non-professional sports activities; and so forth. In preferred embodiments, the systems and methods of this invention derive models of the economic values and of associated economic risks of particular sports activities and provide indices reflecting model computations. In further preferred embodiments, the system and method of this invention provide financial instruments having values that derive from one of the provided indices, index computing systems, and exchange or trading platform systems by which such derivative contacts can be valued and traded.