Computer hardware and software system for facilitating business transactions, namely electronic and non-electronic cash registers, automated teller machines and point-of-sale terminals for use in dispensing cash and non-cash items, depositing of funds, payments of checks, and consummating a variety of electronic transfers of funds, apparatus for the recording, transmission or reproduction of sound or images, namely, computers, telephones and digital data computer processors; magnetic data carriers containing recorded information and data related to electronic payments; computer software for the management of scannable product files and data, namely, file maintenance and pricing software for cash registers; computer software for use in cash registers, inventory management, and accounting, computer software utilities programs; computer software for use in text processing; computer software providing interfaces to a variety of point-of-sale devices for use in automatically transferring sales data from the point-of-sale to a central computer, for use in generating reports, for use in sending price look ups, UPCs, departments and prices to cash registers, for use in monitoring sales, purchase and inventory and for use in automating a store and the store manager's daily activities