9 Software; computer programs for user interface design; computer hardware; magnetic payment cards; encoded payment cards; integrated circuit payment cards; electronic payment terminals; cryptocurrency payment card; secure mobile terminals for electronic transactions; electronic peripherals for payment processing; encoded telephone cards; magnetic telephone cards; downloadable image files containing digital tokens; computer software for creating payment tokens; computer software for receiving, accessing, exchanging, spending, sending, selling, trading, storing and managing payment tokens; downloadable computer software for receiving, accessing, exchanging, spending, sending, selling, trading, storing and managing payment tokens; downloadable image files containing payment tokens; digital media, namely, payment tokens sold as non-fungible tokens (NFTs); card reader; software for card reader; data terminals; interactive terminals; intelligent gateways for communication; credit card terminals; magnetically encoded cards for carrying data; smart cards; integrated circuit cards; optical code readers; chip card readers; downloadable cryptographic keys for receiving and spending cryptocurrency; downloadable cryptographic keys for receiving and spending crypto assets; data processing systems; computer databases; database engines; data processing equipment; telecommunications devices; biometric identification apparatus; encoded credit cards; encoded identification cards; encoded loyalty cards; encoded gift cards; encoded cards for use in point of sale transactions; encoded integrated circuit cards; downloadable publications; downloadable videos; downloadable sound recordings; mobile apps; mobile software; mobile application software; downloadable mobile applications; SIM cards; payment software; online payment software; e-payment software; credit cards; card readers for credit cards; apparatus for electronic payment processing; computer hardware for facilitating payment transactions by electronic means; e-commerce and e-payment software; hardware for processing electronic payments to and from others; software for processing electronic payments to and from others; terminals for electronically processing credit card payments; downloadable software; downloadable computer software; downloadable software applications for mobile phones; computer software for use as an application programming interface (API); downloadable computer software for use as an application programming interface (API); software for arranging online transactions; software for facilitating secure credit card transactions; computer software for application and database integration; electronic currency converters; computer software for creating tokens of value; computer software for receiving, accessing, exchanging, spending, sending, selling, trading, storing and managing tokens of value; downloadable computer software for receiving, accessing, exchanging, spending, sending, selling, trading, storing and managing tokens of value; downloadable image files containing tokens of value; digital media, namely, tokens of value sold as non-fungible tokens (NFTs); downloadable data files of test transaction data; downloadable e-wallet; downloadable digital files authenticated by non-fungible tokens [NFTs]; downloadable files authenticated by non-fungible tokens [NFTs] for facilitating commercial transactions; downloadable digital files containing customized visual code for payment; downloadable digital files containing quick response (QR) code; quick response (QR) code readers; downloadable digital files containing quick response (QR) code for payment; podcasts; downloadable podcasts; downloadable videos, recorded content; training manuals in electronic format; downloadable educational media; downloadable educational course materials; downloadable publications; cryptocurrency hardware wallets; near field communication (NFC) technology-enabled readers; near field communication (NFC) enabled payment cards; encoded bank card; downloadable digital files in the nature of virtual payment cards; downloadable digital files in the nature of virtual gift cards; downloadable digital files in the nature of virtual loyalty cards; downloadable digital files in the nature of virtual identification cards; downloadable digital files in the nature of virtual bank cards