Computer hardware and software for processing point of sale transactions, payment transactions, voucher redemption, appointment scheduling, customer relationship management, customer location detection and awareness, inventory management, analyzing merchant transactions, and for evaluating and managing information on business performance and customers; computer application software for mobile phones, smart phones, PC tablets, and electronic tablets for processing point of sale transactions, payment transactions, voucher redemption, appointment scheduling, customer relationship management, customer location detection and awareness, inventory management, analyzing merchant transactions, and for evaluating and managing information on business performance and customers; computer software and hardware that enables users to send and receive pricing, financial transaction, customer information, and payment processing information directly to and from a mobile device and a cloud-based server; downloadable mobile computer apparatus applications that enables users to send and receive pricing, financial transaction and payment processing information directly to and from a mobile device and a cloud-based server; computer software and hardware, namely, hand-held computing devices in the nature of credit card processing units, tablet computers for point of sale transactions, payment calculating machines, and magnetic coded card readers; contact management software; electronic commerce and transaction application software that allows users to engage in electronic business transactions via a global computer network; printer software for operating printers and printing; accounting software; schedule management software; payment systems and devices, namely, electronic card readers, payment calculating machines, magnetic coded card readers, credit card processing units, point of sale terminals, and multi-functional computing devices with payment function; computer hardware, namely, electronic card readers for electronically readable cards; tablet stands