Computer hardware and software for making and processing payment transactions with credit cards, debit cards, gift cards, cash, and other payment forms; financial software and accessories for facilitating, authorizing, and settling financial transactions between merchants and consumers and between consumers and other consumers for mobile device terminals, cash registers, and other point of sale systems, namely, portable computing devices with internet connectivity, phones, smartphones, tablet computers, computers, touchscreens, computer terminals, electronic or computing eyeglasses, and interactive computer kiosks comprising computers, computer hardware, computer peripherals, and computer operating software; analytic tools relating to payment processing and tracking, namely, portable computing devices with internet connectivity, phones, smartphones, tablet computers, computers, touchscreens, computer terminals, electronic or computing eyeglasses, and interactive computer kiosks comprising computers, computer hardware, computer peripherals, and computer operating software for tracking sales and purchase history; customer relations and loyalty program tools for businesses, namely, portable computing devices with internet connectivity, phones, smartphones, tablets, computers, touchscreens, terminals, electronic or computing watches, electronic or computing glasses, and kiosks for creating, designing, attributing and distributing incentives and sales offers; optical character recognition software; software for use in facilitating payment transactions; software for inventory management; software for obtaining alternatives to paper signatures in a financial transaction; software for generation and delivery of electronic receipt; software for determining the location of a consumer; software relating to processing payment transactions based on the location of a consumer; software for collecting consumer behavior; software relating to processing payment transactions based on consumer behavior