Computer hardware and recorded software systems for use in point of service (POS) systems; Downloadable computer application software for mobile phones, namely, software for use in point of service (POS) systems; Downloadable computer software for use in point of service (POS) systems; Electronic point-of-sale (POS) systems comprised primarily of point-of-sale terminals, bar code readers, touchscreen monitors, keyboards, document printers, scanners, and recorded operating software