Abstract: A computerized advertisement development tool and associated method of use that includes creation of stock electronic advertisements and custom electronic advertisements that appear on an electronic display. The customized electronic advertisements include: 1) bullet point effects; 2) photographic effects: 3) a motion picture effect that is either video or a virtual motion image created from still photographs; and 4) text effects. There is a contract that provides scheduling between a plurality of sponsored electronic advertisements and a plurality of timed events. This can include following a block of sponsored electronic advertisements, playing after a predetermined number of sponsored electronic advertisements, playing after a predetermined time period, or playing after a predetermined percentage of sponsored advertisements. The timed events can include trivia, community events, amber alerts, sponsor boards, weather, headlines, special events and user created events.

Abstract: This invention relates generally to the distribution of payments, e.g., discounts, credits and/or debits, in a computer network environment. More specifically, the invention is directed to the distribution of payments, e.g., discounts, credits and/or debits, to a number of participants in a given transaction. Such participants include retail establishments, customers, and a kiosk or terminal-operating service provider. Predetermined payment, e.g., discount, credit and/or debit, amounts are electronically distributed and/or credited to the participants. In addition to traditional user interface techniques, an electronic identification device is provided by the system and method of the present invention for customer and distribution payment, e.g., discount, credit and/or debit, identification. Kiosk processors or remote processors facilitate purchasing and distribution of payments, e.g.