Abstract: A unified, flexible, extensible, distributed multi-level purchasing, sales and marketing methodology for companies conducting business on the Internet. A Participant in the present invention registers with a Host/Hub and an account is established for the Participant. As Participants perform certain activities such as purchases, surfing or viewing ads with respect to the Host/Hubs and its commercial Partners, the Participants are awarded “credits” that are credited to the Participant's bank accounts. The “credits” in a Participant's account can be used for a variety of purposes such as credits for new purchases, bill payment, micro-payments and cash redemption. Participants are additionally rewarded credits on the basis of the point generating activities performed by each new Participant signed up by the original Participant, and each subsequent Participant signed up by the new participant.

Abstract: A system and business methodology for providing interactive and customizable digital full-motion, animated and static multimedia content, to be used for communicating unique personalized entertainment, information, and messages and advertising to be delivered via the internet, electronic mail, or any other methods of delivering interpersonal communications and messages. The communications and messages are initiated and received by senders and recipients visiting a host site of the system through the internet. Content within the customized communication includes content personally relevant to a user which is integrally associated with sponsorship or advertising information. Creation of a customized communication begins by selection of a content item by a user, which content may be personalized by graphical editing techniques.