1. A system for incentive program generation, comprising: a network; a sponsor computer connected to the network; a host computer connected to the network, the host computer having a server; an incentive application builder program, running on the server; a database of objects associated with parameters of an incentive application program; and an interface of the incentive program builder application for sponsor entry of parameters for an incentive program; wherein the sponsor builds an incentive program by interacting with the application program.