Abstract: Conservation of a utility resource is incentivized by a method in which a utility customer records utility meter readings with a smart phone and submits the readings to a server for processing. The server processes the meter readings and awards the customer with credit awards contingent upon customer compliance with behavior that is being incentivized by the system, e.g., reduced resource use during peak hours, resource use below a target level set by the server, resource use below a goal set by the customer, frequent and accurate resource meter submissions, or verification of resource submissions of other customers. Cumulative awarded credits may be redeemed by a customer in exchange for participation in a micro-raffle or other game of chance. Preferably, a consumer awarded more credits has a greater chance of winning a prize, and a greater chance of winning a larger prize, than a user awarded fewer credits.