1. A computer-implemented method for positioning targeted sponsored content on a cellular phone, the method comprising the steps of: assessing a likelihood of an interaction by a user of the cellular phone with a sponsored content to be presented to the cellular phone, wherein the assessment is based on a plurality of user characteristics associated with the cellular phone, wherein the plurality of user characteristics includes: a credit card datum received from a credit card provider, wherein the credit card datum includes a current balance or credit limit associated with a credit card issued to the user; and a predefined hardware or software characteristic of the cellular phone; prioritizing the placement of the sponsored content within one of a plurality of predefined areas of a graphical user interface of the cellular phone over the placement of other sponsored content within the same area, wherein the prioritization is based on the assessment of the likelihood of the interaction of the user of the cellular phone with the sponsored content; and presenting the sponsored content within the one of a plurality of predefined areas of the graphical user interface of the cellular phone.