Is this like a Card creation site like birthdays etc?
This is going to be an advanced development no matter who develops it. Its going to be miles away for you regarding your skill level and to glean the skills required is going to take you a fair amount of time really
Site security is covered using a scripting language like PHP and a database technology like MYSQL. These alone will take months for you to become comfortable with.
The functionality of the site could be developed using the above technology or you could implement this using Flash although this will take a while to comprehend
Your looking at a learning curve as steep as K2 but if you pull it off then respect at ya