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Downloadable software for use of virtual currency, digital currency, digital tokens of value, and cryptocurrency that incorporate the use of graphical codes that incorporate biometric data; downloadable software to enable payments using digital currency; downloadable computer software platforms for financial and currency exchange; downloadable computer software for use in connection with digital currency and cryptocurrency; downloadable computer application software for blockchain based financial platforms; downloadable computer software for use in electronically trading, storing, sending, receiving, accepting, and transmitting digital currency and cryptocurrency; computer software and computer hardware for use as a cryptocurrency wallet; downloadable computer software for use in managing digital currency payment and exchange transactions; downloadable computer software relating to the handling of online and digital financial transactions; digital, virtual and cryptocurrency exchange and trading software; downloadable computer software for managing cryptocurrency transactions using blockchain technology; downloadable computer software relating to cryptocurrency, digital and virtual currency; computer programs relating to financial matters; computer software relating to the handling of financial transactions; financial exchange software; currency exchange software; currency trading software; software for e-commerce over a global communications network; downloadable software based on artificial intelligence and machine learning with biometric based graphical code for securing financial transactions; downloadable computer software for creating searchable databases of information and data related to financial transactions; downloadable computer software for providing an on-line database in the field of transaction processing to upload transactional data; Downloadable computer software used to process mobile payments; downloadable computer software for use in transaction