<p>A system is provided for analysing the transfer of tokens from a user in a plurality of categories. The system includes; summing means for providing respective totals of token transfer for each category; and means for providing an output of said analysis; wherein the output is dependent on the respective total transfer of tokens from the user for each category. In a preferred embodiment the system further comprises means for allocating an identification code to each category, and each category is a category of merchant or merchandise.</p>
