1. An apparatus to obtain and track individual user consumer transaction data and to assign and redeem user transaction tokens comprising: a user portable transaction card said card comprising, a machine readable and writable memory on said card for recording thereon a user transaction token account, an erasable and rewritable user readable card message display, a first terminal for insertion of said transaction card therein, said first terminal comprising, a processor for directing terminal activities including a memory for loading , storing and directing a marketing program on the user transaction token account to obtain a result, a machine language printer/reader to permit reading machine readable data, and writing machine data onto card, a writer for creating and erasing a human readable message on said card message display, a second terminal for insertion of said transaction card therein, said second terminal comprising, a processor for directing terminal activities including a memory for loading, storing and directing a marketing program on the user transaction token account to obtain a result, a machine language printer/reader to permit reading machine readable data, and writing machine data onto card a writer for creating and erasing a human readable message on said card message display, a display unit for user examination and selection of token transaction exchanges from a token redemption database, a host terminal for directing the activities of said first and second terminals comprising, a processor for directing unit activities including a memory for loading, storing and directing a marketing program, a communications connection between said host and said first and second terminals to allow said host to exchange data with said first and second terminals including token transaction exchanges entered by said user at said second terminal, a communications connection between said host and a redemption distribution site to permit said host to direct the allocation of user selected token transaction exchanges to said users, such that said host communicates host program commands to said first and second terminals to provide allocation of transactions tokens and program awards to said user and said host can receive user transaction data from said first and second terminals and said user can select and direct messages to said host related to user redemption of transaction tokens.