9 Downloadable computer software to facilitate access to and sharing of vehicle usage data and vehicle operator data; Downloadable computer software to facilitate access to and sharing of device data and user data; downloadable software for connecting, operating, and managing networked devices on the internet of things (IoT); downloadable computer software to facilitate the aggregation and sale of data through data unions to data purchasers; downloadable computer software for use in the execution of transactions managing the transfer of ownership of a distributed value store or crypto currency; downloadable computer software for use in the execution of transactions involving access to vehicle usage data and vehicle operator data; downloadable computer software for use in distributed ledger platforms, block chain platforms, distributed database systems; downloadable software for completing digital currency transactions; downloadable software for use in the administration, storage, transfer, tracking and managing of decentralized distributed ledger digital tokens; downloadable that allow users to perform electronic transactions via a global computer or mobile device network