System, method, computer program product, and business operating model. Information processing system comprising: server computer having processor for executing computer instructions and memory coupled to processor for storing instructions and data; communications link for communicating between server and information appliance client entities external to server, communication link enabling receipt of first information from a plurality of external entities and for transmitting second information to second entities, first and second entities may be same entities or different entities; data store defining database for storing first and second information; computer program having plurality of executable command instructions and executing in processor and memory for generating second information from at least some of plurality of first information; wherein first information comprising plurality of individual information items and second information comprising processed collective information generated from plurality of individual information items and having increased value to second entities by virtue of collective contribution and processing applied thereto.