Abstract: A reward program system is disclosed that comprises a server hosting a database of rewards, a user interface connected to the server, and an algorithm configured to present a reward purchase opportunity to a participant upon the participant's completion of a behavior objective, and the algorithm is configured to allow a participant to purchase one or more rewards from the database wherein the participant pays at least a first portion of the reward price and a sponsor pays at least a second portion of the price. The algorithm may be configured to allow the participant to select at least two rewards from the database prior to the completion of the objective and the algorithm may establish an expiration time by which the participant may purchase or forfeit the rewards from the database.