Electronic transmission, delivery, and reception of agreements, contracts, data, documents, files, messages, and information via telecommunication networks; Encrypted electronic transmission, delivery, and reception of agreements, contracts, data, documents, files, messages, and information via telecommunication networks; Electronic transmission, delivery, and reception of user authorization, identification, and verification data and information via telecommunication networks; Electronic transmission of electronic and digital signatures via telecommunication networks; Electronic transmission of payment and financial data via telecommunication networks; Signal and data transmission for electronic commerce via telecommunication systems and data communication system; Providing access to databases; Providing access to agreements, contracts, data, documents, files, messages, and information stored in databases; Electronic transmission, delivery, and reception of database information via telecommunication networks; Electronic exchange of agreements, contracts, data, documents, files, messages, and information stored in databases via telecommunication networks