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POS terminal and computer kiosks comprised of a magnetic coded card reader, touch-screen display and video display monitor, for processing electronic card transactions and digitizing user's on-screen signature, verifying the balance on magnetic coded smart cards, producing printed coupons and discount offers, and displaying advertising of others; computer software applications for use by cashiers in authenticating and processing electronic card transactions, verifying card holder's digitized signature, and generating a receipt of the transaction; computer software for monitoring and managing electronic kiosk and cashier transactions, namely, software for generating reports of data concerning electronic transactions, implementing changes in the operation of kiosks, modifying electronic transaction software, and deploying additional kiosks for operation