Smart phones; Smart watches; Downloadable computer software for use as a digital wallet that stores digital car keys, digital door keys, digital boarding passes, digital tickets, digital membership cards, digital coupons, digital vouchers, digital loyalty rewards, monetary rewards, points rewards, digital vaccine passes, personal identification certificates, credit card information, credit card transactions, debit card information, debit card transactions and crypto assets; Downloadable computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in a web based environment; Downloadable computer application software for mobile phones, smart phones, smart watches and tablet PCs, namely, software to allow users to conduct secure commercial transactions and payment options using a mobile device at a point of sale