Downloadable computer software for facilitating commercial transactions through electronic means via wireless networks, global computer networks and mobile telecommunications networks; downloadable computer software for use in connection with the electronic storage, transmission, presentation, verification, and authentication of credit, debit, charge, and payment cards; downloadable computer software used to process mobile cryptocurrency payments; downloadable computer software for use in processing mobile cryptocurrency payment transactions with retailers, merchants, and vendors via mobile devices; downloadable computer software for transmitting, processing, facilitating, verifying, and authenticating transaction and payment information; downloadable computer software for increasing the security of mobile payment transactions with retailers, merchants and vendors via mobile devices; downloadable computer application software for mobile devices, namely, software which enables users to trade cryptocurrency, futures and options on cryptocurrency; downloadable computer software used to process loyalty awards and rewards through the use of physical and virtual credit, debit, charge and payment cards; downloadable computer software for use in processing mobile cryptocurrency loyalty awards and rewards via mobile devices; downloadable computer software for transmitting, processing, facilitating, verifying, and authenticating loyalty awards and rewards; downloadable mobile application that enables users to exchange cryptocurrency for currency and currency for cryptocurrency.