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.