1. A system for interactive online electronic communications and interactive on-line processing of business transactions between different types of independent users including at least a plurality of separate on-line sellers, and a plurality of buyers, wherein each user communicates with the system, the system comprising: access means for providing selective access by users to a data base and for permitting selection of users by at least one other user; processing means responsive to the access means for interactive on-line processing of a business transaction between one of the plurality of buyers and one of the plurality of online sellers wherein one party to the transaction is specifically selected by the other party via the access means.