The present invention provides a Mobile Loyalty and Community Service (MLCS) for decreasing customer churn and increasing customer spend. In an embodiment, the MLCS provides an event driven platform based around sticky accounts. The MLCS issues tokens, currencies, loyalty points and other value assets to customers based on definable user activities (e.g., purchases, forwarding promotional messages to friends, etc.), and stores these assets into customer accounts. Each of these accounts is made sticky by associating it with the mobile carrier and the customer's phone number. The MLCS provides prize catalogs where customers can redeem points in their accounts for valuable prizes (e.g., free voice minutes, ringtones, etc.). The MLCS also provides downloadable games, e.g., pay-per-play games. To motive customers to play these games, and thus increase customer spend, the MLCS issues points to customer based on in-game events (e.g., game score, level reached within a game, etc.).