A computer system for displaying advertisements to clients

An Internet (or World-Wide-Web) or other such public or private network) based business card and contact management system capable of conveying and managing advertising as well as traditional and other non-traditional business contact information. The invention is a system that: (1) accepts a Universal Contact Locator (UCL) as encoded on a business card in man and/or machine readable format and, when the Universal Contact Locator (ULC) is entered into a client program running on a client computer, (2) causes a web browser (or like program) and associated communications software to establish a communications session with a remote server computer which (3) accesses the stored contact and advertisement and news information of the card issuer associated with the Universal Contact Locator and (4) downloads the business contact and/or personal contact information and targeted advertisements and news items associated with the Universal Contact Locator to a client program running on a client computer which (5) loads the contact data into the Contact Management or Personal Information Management (PIM) system of the users choosing running on the users client computer and (6) stores the advertisements and news items dowmloaded from the server computer on the client computer's secondary storage device (i.e. hard disk) and (7) causes the advertisements and news items stored on the client computer's secondary storage device to be displayed to the user on a predetermined schedule in a portion of the client computer's output device (i.e.CRT or LCD panel).