9 Downloadable software in the nature of a mobile application to send, receive, store, and safeguard digital currency; Downloadable software in the nature of a mobile application to access an electronic database of business directory information; Computer software platforms, recorded or downloadable and computer software, recorded, for use in managing an accessing database; Computer software applications, downloadable, for server, client, and mobile computer device, for use in sending, receiving, storing, and safeguarding digital currency; Computer operating programs, recorded for use in managing accessing database; Computer programs, recorded; Electronic security token in the nature of a fob-like device used by an authorized user of a computer system to facilitate authentication; Security token hardware; Computer software for accessing information directories that may be downloaded from the global computer network; Computer e-commerce software to allow users to perform electronic business transactions via a global computer network; Communications software for connecting computer network users and global computer networks; Computer software for sending, receiving, storing, and safeguarding digital currency that may be downloaded from a global computer network; Interactive computer kiosks comprising computers, computer hardware, computer peripherals, and computer operating software, for use in sending, receiving, storing, and safeguarding digital currency; Computer software for providing an on-line database in the field of transaction processing to upload transactional data, provide statistical analysis, and produce notifications and reports