1. A system, comprising: a payroll processing system on the Web, wherein the payroll processing system on the Web has the capability for three-way real-time Web transactions between a payroll department, a financial services provider and one or more employees submitting timecards on the Web for payroll processing in real-time by a human resources department by accessing on the Web in real-time the employee's payroll information stored in the payroll processing service provider's Back Office; a Web server comprising memory and a processor; an OSI application layer on-line service network on the Web, wherein said on-line service network is an on-line payroll processing service network on the Web; a Web application displayed on a Web page and executing on the Web server, wherein the Web application is a payroll processing services' Web application; a display of a list of services accessible for real-time Web transactions from said Web application at the payroll processing service provider's Web page; and said Web application comprising a control of the flow of one or more real-time Web transactions between the Web application displayed on a multi-media device and the Back Office of the on-line payroll processing services provider.