a system for incentivizing purchases by consumers comprises a kiosk configured to appraise an item . a composition of the item is determined using an evaluating device . a cash value is associated with the item using data obtained by the evaluating device and market data obtained over a network , and an exchange value of the item is determined by subtracting a processing fee from the cash value . at least one of the cash value and the exchange value is relayed to the consumer on an output device . the consumer is asked to select via an input device between at least a first offer and a second offer in exchange for the item . a kiosk or mall booth for buying and receiving credit transaction cards , debit transaction cards , gift transaction cards , or coupons is also disclosed .