provides others with a REAL - TIME web-based, end-to-end software and service for the automation of individual, employer groups and associations, administration, management, marketing and company to company, industry to industry, person to person communications namely in the fields of insurance and non insurance, provider networks, computers, software, electronics, telecommunications, operations, security and authentication, computer networks and document management; providing databases featuring information of interest to specific geographic areas compared to population thus creating statistics distributed via the Internet; providing customized online web pages featuring user-defined information, which includes search engines, automated product quoting and online web links to other web sites; providing temporary use of on-line access for others, accessible non-downloadable software for data management; computer services, collaboration and document creation and management services via the Internet; computer services, namely, designing and maintaining web sites for others; providing an on-line computer database featuring information in the fields of administration, billing, individualized information, computers, and computerized document management via the Internet; providing on-line updates of computer software, data bases, self administration, for others via the Internet; computer services, namely, providing on-line magazines and marketing capabilities featuring computer systems and computer programs; providing quoting and proposal preparation; computerized document management related to billing services; providing password protected, real-time secure access for others to print their personal information related to the ID cards, benefit summaries, network access and plan verification namely in the fields of insurance and non insurance, provider networks; providing security access to databases via the internet in the fields of provider verifications, claims processing; providing computerized document management featuring providers, statements and payments to insure accurate accounting-- providing planning system and interface capabilities with payroll system software or other software namely in the fields of insurance and non insurance, provider networks, computers, software, electronics, telecommunications; providing puzzle shaped hyperlink hidden buttons with links for providers, agents, members, clients in an electronic mode using proprietary EDI protocols as specified by the providers / carriers; providing enrollment and administration system for eligibility data through third party administrators; providing software namely in the fields of insurance for claims adjudication and processing; providing software module interface enabling carriers to purchase products at wholesale price and administer and distribute to the carrier / vendor; providing automated service for allocation and reconciliation of premium billings by comparing data at points in time and illustrating premium differences resulting from additional and terminated individual status changes associated with retroactive activity namely in the fields of insurance and non insurance; providing computerized service for automated reconciliation in an easy to use research and reconciliation tool allowing the user to understand the bill, rectify and correct information; providing computerized service that supports a wide range of data formats including ANSI X12 EDI, XML, or proprietary files already HIPAA compliant for personal information required by carriers / vendors as required by the Federal Government; providing on-line magazines and newsletters featuring benefit plans, human resource services computer systems and computer programs; licensing of intellectual property, namely, trademarks