Telecommunications services; transmission of text, images, audio, video and data via global communications networks; messaging services including Short Message Service (SMS), Multimedia Messaging Service (MMS) and two-way messaging; provision of access to messaging via third-party over-the-top (OTT) messaging platforms; voice call services including Voice over Internet Protocol (VoIP), call routing, call forwarding and call connection services; provision of access to telecommunications networks and computer databases; delivery of one-time passwords (OTPs) and verification messages across multiple channels