Abstract: A consumer is provided with a first asset in return for a promise to earn an agreed to number of points over an agreed to redemption period. The consumer subsequently earns the points by purchasing one or more second assets. At least one of the second assets is different than the first asset. Each purchase has an associated with point value, at least one of the point values being different than at least one other point value. A trading system includes a first set of websites where a consumer can select and obtain a first asset in return for a promise to earn points by making future purchases of one or more second assets. The consumer can fulfill its obligation to earn the stated number of points by purchasing one or more second assets at a second set of websites. Each of the second assets has an associated point value.

Abstract: A consumer is provided with a first asset in return for a promise to earn an agreed to number of points over an agreed to redemption period. The consumer subsequently earns the points by purchasing one or more second assets. At least one of the second assets is different than the first asset. Each purchase has an associated with point value, at least one of the point values being different than at least one other point value. A trading system includes a first set of websites where a consumer can select and obtain a first asset in return for a promise to earn points by making future purchases of one or more second assets. The consumer can fulfill its obligation to earn the stated number of points by purchasing one or more second assets at a second set of websites. Each of the second assets has an associated point value.

Abstract: A consumer is provided with a first asset in return for a promise to earn an agreed to number of points over an agreed to redemption period. The consumer subsequently earns the points by purchasing one or more second assets. At least one of the second assets is different than the first asset. Each purchase has an associated point value, at least one of the point values being different than at least one other point value. An electronic trading system includes a first set of web sites where a consumer can select a first asset it wants to obtain in return for a promise to earn points by making future purchases of one or more second assets. The number of points which the consumer must earn varies as a function of which of the first assets is selected by the consumer.

Abstract: A consumer is provided with a first asset in return for a promise to earn an agreed to number of points over an agreed to redemption period. The consumer subsequently earns the points by purchasing one or more second assets. At least one of the second assets is different than the first asset. Each purchase has an associated point value, at least one of the point values being different than at least one other point value. An electronic trading system includes a first set of web sites where a consumer can select a first asset it wants to obtain in return for a promise to earn points by making future purchases of one or more second assets. The number of points which the consumer must earn varies as a function of which of the first assets is selected by the consumer. The consumer can fulfill its obligation to earn the stated number of points by purchasing one or more second assets at a second set of web sites. Each of the second assets has an associated point value.

Abstract: A company transfers underperforming assets (UPA's) to a second party in return for a cash and/or asset payment. The company obligates itself to earn a variable number of consumption points for an agreed to consumption period by making future purchases of assets. Each purchase has a known number of consumption points associated therewith. The number of consumption points to be earned varies as a function of a periodically applied interest rate. A computerized, preferably web-based, system is used to carry out the foregoing process.

Abstract: A company with underperforming assets sells these assets to a trading house in exchange for value and a promise to make future purchases from the trading house. The value is provided by a financial institution. A portion of the money received by the trading house from the future purchases is given to the financial institution to pay back the value plus interest. To securitize the promise to make future purchases, the financial institution creates a special purpose entity which, in turn, creates a trust. Investors provide money to the special purpose entity which is used to purchase low risk assets that are placed in the trust. The special purpose entity then makes an agreement with the financial institution that if the company with underperforming assets defaults on its promise to purchase, the financial institution can take money from the trust.