9 Downloadable computer software, namely, downloadable software for optimization of network connectivity, data management, security, graphical interfaces, and identity management in the field of block chain technology solutions for financial institutions, downloadable computer software for processing and managing electronic payments, for transferring funds to and from others, for implementing encryption, authentication and security features for encoded cards, and for open source operating software for the use of crypto-currency on a global computer network, downloadable computer application software for personal computer and mobile devices for administrating and managing crypto-currency transactions for use with block chains; Downloadable software in the nature of a mobile application, namely, downloadable software for optimization of network connectivity, data management, security, graphical interfaces, and identity management in the field of block chain technology solutions for financial institutions, downloadable mobile application for processing and managing electronic payments, for transferring funds to and from others, for implementing encryption, authentication and security features for encoded cards, and for open source operating software for the use of crypto-currency on a global computer network, downloadable mobile application software for personal computer and mobile devices for administrating and managing crypto-currency transactions for use with block chains; Computer software that implements virtual currency; Computer software that implements electronic money; Computer software that implements electronic currency; Computer programs relating to virtual currency, namely, computer programs for decentralized data exchange between data buyers and data sellers using APIs and virtual currencies, downloadable computer programs for transactions using virtual currency and for managing, buying, selling, storing, transacting, exchanging, sending and receiving virtual currency; Computer programs relating to electronic money, namely, computer programs used for processing electronic money transactions and exchange of electronic money; Computer programs relating to electronic currency, namely, computer programs for use with electronic currency transaction terminals that allows consumers to credit or debit a balance stored by the personal computer or mobile phone software application; Computer programs for electronic wallets, namely, for use in creation and administration of electronic wallets; Computer programs used for electronic cash register systems; Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web based environment