Abstract: An electronic ornament that can be worn or attached to or suspended from an object has an LED matrix (21) capable of displaying a user-selected message from a preprogrammed set of graphic symbols or a user-programmed arbitrary pattern or animation. A safety pin (31) or other fastener (34) attaches the ornament to a wearer or to an object, making the display readable by others during conversations and gatherings from a distance of several meters. The user can select the message or pattern using only two buttons (28) and (29), and the selection is retained even when battery (25) is removed. The LED display (21) scrolls messages horizontally such that more than one average text character but less than one average word is visible at a time, making the display surprisingly readable yet economical and small enough to make it easy to wear or use as a lightweight ornament.

Abstract: Methods and systems permit electronic transmission of payment or a rebate to a payee or rebate recipient. The payee or rebate recipient (320) prints a financial instrument (364) or generates a coupon at a printer (360) or user terminal (350). The financial instrument or coupon (364) can be generated without the need for special equipment and can be redeemed for payment at a financial institution of the payee or rebate recipient's choosing.