9 Computer software and downloadable software in the nature of a mobile application to enable creating, uploading, downloading, accessing, posting, displaying, viewing, editing, tagging, blogging, streaming, linking, bookmarking, annotating, discovering, sharing and otherwise providing electronic media, data, content and information via Internet, computer and communication networks; computer software and downloadable software in the nature of a mobile application for sending and receiving electronic messages, graphics, images, audio and audiovisual content via Internet, computer and communication networks; computer software and downloadable software in the nature of a mobile application to enable transmission, access, organization, and management of text messaging, instant messaging, web links and images via the Internet, computer and communication networks; computer software and downloadable software in the nature of a mobile application for the collection, editing, organizing, modifying, transmission, storage and sharing of data and information; computer software and downloadable software in the nature of a mobile application for accessing, browsing and searching online databases; computer software for personal information management, and data synchronization software; computer software for use as an application programming interface (API) for electronic messaging, payment processing, identity management, and integration with multiple software platforms; downloadable software in the nature of a mobile application used with social networking applications for retrieval, uploading, downloading, accessing, editing and managing data and documents created by users; downloadable software in the nature of an application programming interface (API) for third-party software for electronic messaging, payment processing, identity management, and integration with multiple software platforms; computer software and downloadable software in the nature of a mobile application for displaying and sharing a user's location and finding, locating, and interacting with other users and places, for posting reviews and recommendations on places, events and the products and services of others; software to facilitate business promotion by connecting social network users with businesses, namely, computer programs for use in creating and sending promotional material to consumers and analyzing response rates of such promotional efforts; computer e-commerce software to allow users to perform electronic business transactions via local and/or global computer networks; computer software and downloadable software in the nature of a mobile application for mobile phones, cellular phones, and smartphones, computers, tablet computers and portable electronic devices for use in database management, for obtaining real-time technical support, for conducting and processing electronic payment transactions, for editing and managing device and account information, for playing local audio and video files, and for audio and video streaming; computer software and downloadable software in the nature of a mobile application for use in quoting, organizing and placing orders and tracking shipments used to provide retail and ordering services for a wide variety of consumer goods and services; computer software and downloadable computer software in the nature of a mobile application that allows users to review, post and respond to classified advertisements or that allows to disseminate advertising for others or that allows to share information via e-mail, text message, and social media services about products, services, places, events, and deals; computer software and downloadable computer software in the nature of a mobile application for use in accessing online bulletin boards; computer software and downloadable computer software in the nature of a mobile application for creating and accessing user-posted ratings, reviews and recommendations on products and services for commercial purposes; computer software for transmitting, sharing, receiving, downloading, displaying, recording, manipulating, transferring, and optimizing content, text, visual works, audio works, audiovisual works, literary works, data, files, documents, electronic works, and computer game programs via computers, mobile phones, cellular phones, smartphones, computer game machines, or portable electronic devices; computer software and downloadable computer software in the nature of a mobile application for making, facilitating and processing payment transactions and user authentication in connection with credit cards, debit cards, gift cards, pre-paid cards, electronic payments, digital currency, and cryptocurrencies for use on computers, tablet computers and smartphones; computer software that allows consumers to make and monitor mobile, electronic and digital payments and payments in digital currency, and cryptocurrencies to merchants; computer software for use in facilitating any type of electronic payment transactions and digital currency or cryptocurrency payment transactions, that enables consumers and businesses to use their electronic signature, personal identification number (pin), name, photo or other cryptographic identifier to complete or authenticate such payment transactions and digital currency or cryptocurrency payment transactions; computer software for use in facilitating and managing merchant-customer communications by providing digital currency, cryptocurrency and electronic payment transaction information and notification to consumers of such transactions; computer software for collecting, analyzing and reporting business related data and information, namely, software for creating and reporting of business analytics relating to payment processing, authentication, and tracking; computer software for use in facilitating and completing money transfers and digital currency or cryptocurrency transfers via email, computers, tablet computers, smartphones and global and local computer networks; computer software for use in issuing and providing receipts for others for electronic payments and payment transactions and digital currency or cryptocurrency payments and payment transactions; computer software and downloadable computer software in the nature of a mobile application for use in issuing, emitting and generating digital currency and cryptocurrency tokens by means of converting users time spent in the mobile application to an express amount of digital currency; computer software and downloadable computer software in the nature of a mobile application for use in issuing, emitting and generating digital currency and cryptocurrency tokens by converting user's time spent in application for uploading, downloading, accessing, posting, displaying, viewing, evaluating, editing, tagging, blogging, streaming, linking, bookmarking, annotating, discovering and sharing electronic media, data, content and information with a social networking website; computer software and downloadable computer software in the nature of a mobile application for use in creation, building and operating a social location-based network; computer software and downloadable computer software in the nature of a mobile application for use in ordering, selling, purchasing and transferring electronic media, data, audio and visual content and information based on location and predetermined geographical spots used in providing electronic communications services and streaming services as well as performing business transactions based on location and predetermined geographical spots; computer programs and software for use on computers, tablet computers, and mobile electronic devices for use in tracking, updating, managing and viewing data and information about fiat, electronic, digital and crypto currencies, featuring information about the measure of value of user's time, their currency balances, the history of fiat, electronic, digital and crypto currency payment transactions; computer software for use in electronically trading, storing, sending, receiving, accepting and transmitting digital currency, cryptocurrency, fiat currency and managing payment and exchange transactions in any type of currency; encoded payment cards, namely, encoded smart cards containing programming used for storing digital currency, electronic currency and cryptocurrency tokens, encoded electronic chip cards containing programming used for storing digital currency, electronic currency and cryptocurrency tokens, magnetically encoded cards for storing digital currency, electronic currency and cryptocurrency tokens used in financial transactions; computer software for use in the encryption and decryption of digital files; computer software for creating, authenticating, and authorizing digital and cryptographic signatures; software and downloadable software for making investments for use in electronically trading securities, digital currencies or cryptocurrencies; software for financial management, namely, computer software for use in electronically trading securities, digital currencies or cryptocurrencies and for use in searching financial information and conducting financial analysis; computer software for making investments for use in electronically trading securities, digital currencies or cryptocurrencies and for use in searching financial information and conducting financial analysis; computer software for financial consultancy, namely, computer software for use in electronically trading securities, digital currencies or cryptocurrencies and for use in searching financial information and conducting financial analysis software allowing a specific user to manage investment and other users to make investments influenced at least by the specific user's investment decisions, namely, computer software for use in electronically trading securities, digital currencies or cryptocurrencies and for use in searching financial information and conducting financial analysis; software allowing one user to interact with other users regarding investments; software allowing users to manage investments via the internet, namely, computer software for use in electronically trading securities, digital currencies or cryptocurrencies and for use in searching financial information and conducting financial analysis; software for trading in financial markets, namely, computer software for use in electronically trading securities, digital currencies or cryptocurrencies; software for trading in financial instruments, namely, computer software for use in electronically trading securities, digital currencies or cryptocurrencies; software facilitating wisdom-of-the-crowd for making investment decisions, namely, computer software for use in electronically trading securities, digital currencies or cryptocurrencies; downloadable electronic currency units, namely, downloadable software for use in issuing, saving, storing, accounting, transferring, granting, receiving, sending, accepting, transmitting, tracking, and processing electronic payments made using digital currencies and crypto currencies; downloadable electronic cost units, namely, downloadable software for use in issuing, saving, storing, accounting, transferring, granting, receiving, sending, accepting, transmitting, tracking and processing electronic payments made using digital currency and crypto currencies