16. The computer system according to claim 15 , wherein sharing with the contact user, access includes providing anonymously in real time over the computer network an at least one tier of access information of a plurality of tiers of access information, based on a group of user defined rules, and sharing a third set of user personal descriptors with at least one of the individual user and the contact user, wherein the third set of user personal descriptors includes audio, video, text and still graphic representations, previously granted information, and wherein the third set of user personal descriptors are combined with the avatar to form a smart avatar, which defines a personality of the at least one of the individual user and the contact user.
15. A computer system providing multiple pathways of user personal descriptors in a form of an avatar combined with personal information and interests of a plurality of users over a computer network, the system comprising: a provider computer processor including a dynamic repository, and a program unit, wherein the provider computer processor is cooperatively coupled over the computer network to a plurality of networked computers operable by the plurality of users; a networked database including a globally accessible contact list of the plurality of users cooperatively coupled over the computer network; and a computer executable program residing in the program unit, wherein the computer executable program when executed by the provider computer processor causes the provider computer processor of the computer system to perform a method comprising: receiving the globally accessible contact list of the plurality of users in a database, automatically populating the dynamic repository with at least a first set of user personal descriptors and a second set of user personal descriptors of an at least one of an individual user personal descriptor owner and a contact user of the plurality of users, receiving contact information anonymously from the at least one of the individual user personal descriptor owner and the contact user, storing, in the dynamic repository, contact information received from the at least one of the individual user personal descriptor owner and the contact user, receiving, from the contact user, a request for access to a user personal descriptor of the individual user personal descriptor owner, notifying the individual user personal descriptor owner of the request, from the contact user, receiving, by the provider computer processor, a signal from the individual user personal descriptor owner including one of a designation of permitting access by the contact user to the user personal descriptor and a designation of rejecting access by the contact user to the user personal descriptor of the individual user personal descriptor owner, based on: adding an at least one of an individual user and the contact user to an instant messaging roster state database, wherein a status of individual users and contact users are entered and coordinated, and notifying the contact user of one of the designation of permitting access and the designation of rejecting access by the individual user personal descriptor owner, and performing one of: rejecting sharing, with the contact user, access to the user personal descriptor of the individual user personal descriptor owner, when the signal received is the designation of rejecting access, and sharing with the contact user, access to the user personal descriptor of the individual user personal descriptor owner, when the signal received is the designation of permitting access, wherein when the contact user obtains access to the user personal descriptor, one of the individual user personal descriptor owner and exchange information of the contact user to perform completing one of social and business interactions between the individual user personal descriptor owner and the contact user.