Abstract: A computer implemented method and system for managing advertisements, electronic commerce, and consumer services are provided. An advertisement management platform, provided for managing an advertisement distribution service, registers one or more consumers with the advertisement distribution service by creating a consumer profile comprising dynamic behavioral data for each of the consumers. The advertisement management platform targets advertisements to the registered consumers based on their dynamic behavioral data. The advertisement management platform engages the registered consumers with the targeted advertisements based on an advertisement engagement plan of the advertisement distribution service. The advertisement management platform provides the registered consumers with one or more incentives when a response to the targeted advertisements confirms consumption of the targeted advertisements.

Abstract: A computer implemented method and system for managing electronic currency of a consumer is provided. A mobile wallet application on a consumer device of the consumer and a transaction management server, in communication with the mobile wallet application via a network, are provided. The mobile wallet application receives and stores incentives obtained by the consumer for engaging in one or more commercial activities. The mobile wallet application converts the incentives to electronic currency and stores the electronic currency in the mobile wallet application. The mobile wallet application, in communication with the transaction management server via the network generates one or more electronic monetary objects using the electronic currency. The generated electronic monetary objects are, for example, cash, airtime credit, etc.