4. The method in accordance with claim 1 , wherein: the third party provides a benefit in addition to the access-funding payment, the additional benefit concerning a third party product or service and being provided to a fourth party other than the third party, the user, and the expert.
4. The method in accordance with claim 1 , wherein: the third party provides a benefit in addition to the access-funding payment, the additional benefit concerning a third party product or service and being provided to a fourth party other than the third party, the user, and the expert. 5. The method in accordance with claim 4 , wherein the third party is a drug manufacturer and the fourth party is one of a health maintenance organization and a pharmacy.