danger85,
With all due respect, you've obviously got no IT background and evidently running a company with no IT programming resource, therefore you are just trying to re-invent the wheel .... however I suspect it will only have a sad ending because of lack of experience (bugs, security and a multitude of other issues)
Sorry, but just had to interject some honest truthes....
Look around the internet, pleanty out there... a few examples (I'm not making recommendations with this list !).....
SALESFORCE.COM
Microsoft BPOS
and many others......