9 ELECTRONIC APPARATUS AND ASSOCIATED OPERATING APPLICATION COMPUTER SOFTWARE FOR RETAIL BUSINESS MANAGEMENT AND FINANCIAL SERVICES USE, NAMELY, PERSONAL COMPUTER-BASED POINT-OF-SALE TRANSACTION TERMINALS USED TO ENABLE CONSUMER TRANSACTIONS, AUTOMATED TELLER MACHINE AND RELATED PERIPHERALS, NAMELY, SCANNERS, KEYBOARDS, VISUAL DISPLAY UNITS, MAGNETIC ENCODED CARD READERS AND CASH DISPENSERS; COMPUTER PROGRAMS FOR USE IN COLLECTING, PROCESSING, MANIPULATING, ANALYZING AND COMMUNICATING TRANSACTION DATA OBTAINED FROM POINT-OF-SALE TRANSACTION TERMINALS; COMPUTER PROGRAMS FOR USE IN COLLECTING, PROCESSING, MANIPULATING, ANALYZING, AND COMMUNICATING TRANSACTION DATA OBTAINED FROM AUTOMATED TELLER MACHINES; AND COMPUTER RELATION MANAGEMENT SYSTEM COMPRISED OF TRANSACTION DATA STORAGE APPARATUS, NAMELY, ELECTRONIC DATABASES CONTAINING CONSUMER PURCHASING INFORMATION RECORDED ON MAGNETIC COMPUTER MEDIA; COMPUTER PROGRAMS FOR MANAGING CUSTOMER LOYALTY BY TRACKING BY EITHER POINT, PURCHASES OR SOME OTHER METHODOLOGY FOR TRACKING CONSUMER TRANSACTIONS AND COMPUTER PROGRAMS FOR ANALYZING TRANSACTION DATA OBTAINED FROM POINT-OF-SALE TRANSACTION TERMINALS