A method, apparatus, and system allowing terminal hosted group activities is provided, whereby proximity and non-proximity connections between a hosting mobile terminal and participating terminals enables group hosting activity. The hosting mobile terminal guides information flow between itself, the participating terminals, and optionally, with network servers that may assist the hosting mobile terminal. The hosting mobile terminal provides group management, profiling, downloading, presence, gaming, payment/charging, and authentication functions either in terminal only mode, or alternatively in conjunction with server assistance.