9 Computer software and hardware for point of sale use in the fields of retail stores, studios, restaurants, cafes, bars, eating and drinking establishments, salons, spas, hotels, motels and lodging establishments 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 cards processing units, tablet computers for point of sale services, payment calculating machines, magnetic coded card readers, credit card processing units; printer software for operating printers and printing; payment systems and devices, namely, electronic card readers, payment calculating machines, magnetic coded card readers, credit card processing units, point of sale terminals, multi-functional computing device with payment function; downloadable mobile computer apparatus applications featuring point of sale software for use in the fields of retail stores, studios, restaurants, cafes, bars, eating and drinking establishments, salons, spas, and hotels, motels and lodging establishments 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