Downloadable computer software and firmware for authenticating user identification for e-commerce platform; Downloadable computer software for managing cryptocurrency transactions using blockchain technology; Downloadable computer software for use as a cryptocurrency wallet; Downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment; Downloadable software in the nature of a mobile application for use in electronically trading, storing, sending, receiving, accepting and transmitting digital currency, and managing digital currency payment and exchange transactions; downloadable mobile application for processing electronic payments and for transferring funds to and from others; downloadable authentication software for controlling access to and communications with computers and computer networks; magnetically encoded credit cards and magnetic ID cards for use in connection with payment for services; Electronic and magnetic ID cards for use in connection with payment for services; Electronic payment terminal