Abstract: A computer system communicates with sponsors, mobile wireless devices, and wireless service providers to provide the sponsors with access to wireless device users for accepting offers to interact with sponsor content. The system is configured with programmed instructions that when executed by a processor downloads an application program to the mobile wireless devices, the application program being configured to receive incentive offers identifying conditions for receiving credits from one or more of the sponsors, and receive messages from sponsors that transfer money to an account associated with an operator of the computer system so that the sponsors have access to and contact with the wireless devices. The messages that transfer money to the account associated with the operator of the computer system are generated after the application program has been used to accept and perform the conditions identified by at least one incentive offer received by the application program.

Abstract: A computer system communicates with sponsors, mobile wireless devices, and wireless service providers to present incentives to wireless device users for accepting offers to interact with sponsor content. The incentive offers provide mobile wireless device accounts with credits that are paid by the sponsors. The system generates ACH messages to obtain payment for the credits and transfers the money to the wireless service providers for partial payment of wireless service charges.

Abstract: A computer system communicates with sponsors, mobile wireless devices, and wireless service providers to present incentives to wireless device users for accepting offers to interact with sponsor content. The incentive offers provide mobile wireless device accounts with credits that are paid by the sponsors. The system generates ACH messages to obtain payment for the credits and transfers the money to the wireless service providers for partial payment of wireless service charges.