Abstract: In a system for conducting mobile commerce, a mobile operator central server sends silent authorization messages to a smartphone including a wallet application responsive to received messages to display offers, advertisements or coupons to a user. A wallet manager application resident on a remote server for selecting offers, advertisements or coupons relevant to a particular user from multiple data sources sends the selected offers or coupons in messages over a wireless link to the wallet application. The mobile operator central server receives information from the user in response to the wallet application presenting a buy option to the user. The mobile operator central server sends an authorization message to a secure payment application resident on the smartphone to present the user with a payment interface.