Magnetically encoded debit cards; downloadable computer software for monitoring an account balance for a debit card

magnetically encoded debit cards; computer software for billing, invoicing, payment, collection, tracking, reconciliation and detailed financial reporting on clinical trial activity; computer software for electronic collection, storage, distribution and analysis of clinical trial data and payment, including all contracts, budgets and related documents; computer software that provides web-based access to applications and services through a web operating system or portal interface