Abstract: A computerized method for presenting an electronic coupon to a user of a mobile telephone over a mobile telephone network. Activity of the user on the mobile telephone is monitored to obtain activity information. The activity information is processed to extract user data specific to the user. Based on the user data, an electronic coupon is selected for presenting to the user, the selection is from electronic coupons stored in a data base connected to a server application installed on a server connected to the network. The selected electronic coupon is then transmitted to and presented to the user on the mobile telephone. The monitoring is preferably performed by a client application installed on the mobile telephone and the activity information is transmitted to a server application running on the server.