Abstract: The present application is directed to methods and systems of facilitating a transfer of donation money from individuals to charitable organizations. The transfer of money occurs through a first transfer of money from at least one mobile phone carrier to a facilitating organization and through a second transfer of money from the facilitating organization to the charitable organization. The facilitating organization enables the money transfer by transmitting web-based and mobile phone communications regarding donations on behalf of charitable organizations and enabling individuals to respond to such communications and communicate donation solicitations to other individuals.

Abstract: There is disclosed a method, apparatus and server for human curated targeting of offers. The method includes sending the link to the first offer to the first group of mobile devices via short message service using the first user group contact information; and accepting input of second user group contact information for a second group of mobile devices to which to provide the first offer from a mobile device of the first group of mobile devices. The method also includes retaining the first and second user group contact information and the first offer provided to the first and second groups of mobile devices. Finally, the method includes creating a second offer for at least one of the first and second groups of mobile devices based upon the input of the first and second user group contact information.