Computer hardware and software for processing point of sale transactions, payment transactions, voucher redemption, appointment scheduling, customer relationship management, customer location detection and awareness, analyzing marketing and advertising performance, improving customer experience, serving targeted messaging and advertisements to customers based on in-store and online behavior, for 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, analyzing marketing and advertising performance, improving customer experience, serving targeted messaging and advertisements to customers based on in-store and online behavior, for 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; computer hardware and software that enables merchants to send promotions, discounts and other information directly to consumers' mobile devices; downloadable mobile computer apparatus software 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 consisting of electronic machines for reading credits cards, tablet computers for point of sale transactions, payment calculating machines, and magnetic coded card readers and the software used to operate the aforementioned computer hardware; contact management software used to organize and retrieve customer contact information; 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 used to track and present financial information relating to sales; schedule management software used to organize and retrieve scheduling information; payment systems and devices, namely, electronic card readers, payment calculating machines, magnetic coded card readers, credit card processing units consisting of electronic machines for reading credits cards, point of sale terminals, and multi-functional computer hardware with payment function; computer hardware, namely, electronic card readers for electronically readable cards; tablet stands; computer hardware, namely, customer presence and location detectors; proximity sensors; electronic proximity switches; proximity transmitters and receivers; electronic location sensors and switches; transponder location system; wireless transmitters and receivers; location and proximity devices, namely, electronic beacons for enabling Bluetooth connectivity to mobile devices