9 COMPUTER HARDWARE AND SOFTWARE TO ALLOW USERS TO PERFORM ELECTRONIC BUSINESS TRANSACTIONS VIA A GLOBAL COMPUTER NETWORK USED IN THE FIELD OF RETAIL, COMMERCIAL AND FINANCIAL TRANSACTIONS; COMPUTER HARDWARE AND SOFTWARE FOR DISSEMINATING, CATALOGING, TRACKING, STORING, ANALYZING, MANAGING, CAPTURING, COLLECTING AND PROCESSING RETAIL, COMMERCIAL AND FINANCIAL TRANSACTIONS; COMPUTER HARDWARE AND SOFTWARE FOR USE WITH POINT-OF-SALE TERMINALS FOR POS (POINT OF SALES) SYSTEMS, PROVIDING SEAMLESS SECURE INTEGRATION OF POINT-OF-SALE (POS) PAYMENT ACCEPTANCE DEVICES AND PAYMENT PROCESSING SYSTEMS TO COLLECT SENSITIVE AND NON-SENSITIVE COMMERCIAL TRANSACTION DATA, FACILITATE PAYMENT PROCESSING BY POS SYSTEMS AND SECURELY EXCHANGE PAYMENT, RECEIPTS, COUPONS, VOUCHERS, OR GIFT, MEMBERSHIP AND LOYALTY CARDS AND RELATED TRANSACTIONAL INFORMATION; COMPUTER HARDWARE AND SOFTWARE FOR SECURE ACCEPTANCE, PROCESSING AND CONSOLIDATION OF RETAIL, COMMERCIAL AND FINANCIAL TRANSACTIONS AND PAYMENTS VIA CREDIT CARD, DEBIT CARD, SMART CARD, CHECK CARD, ELECTRONIC BENEFITS TRANSFER (EBT) CARD, GIFT CARD, LOYALTY CARD, STORED VALUE CARD, BANK TRANSFER, AND CASH ACROSS MULTIPLE PAYMENT AND TRANSACTIONAL PLATFORMS, INCLUDING POINT OF SALE (POS) TERMINALS, TELEPHONE ORDER/MAIL ORDER (MOTO) PAYMENT, CALL CENTERS, MOBILE DEVICES, MOBILE PHONE, PDA, WIRELESS AND A GLOBAL COMPUTER INFORMATION NETWORK; COMPUTER SOFTWARE FOR PROVIDING AN ON-LINE DATABASE IN THE FIELD OF RETAIL SALES TRANSACTION PROCESSING TO UPLOAD TRANSACTIONAL DATA, PROVIDE STATISTICAL ANALYSIS, PRODUCE NOTIFICATIONS AND REPORTS, GENERATION OF DIGITAL PURCHASE RECEIPTS, WARRANTY INFORMATION, INVENTORY INFORMATION, AUTHENTICATION, ACCESS CONTROL AND OTHER SECURITY FEATURES IN RELATION TO CONSUMER PURCHASES, ENCRYPTING AND PROTECTING THE INTEGRITY OF DATA AND ELECTRONIC COMMUNICATIONS OVER COMPUTER NETWORKS