Providing online, non-downloadable software, namely, a software tool which provides prompt reminder messages to providers to give helpful information that can help facilitate a more complete and accurate insurance prior authorization for use in the field of patient healthcare

Software for use in providing customized prerecorded telephone messages and status reports of tax returns, refund anticipation loans, or preferred electronic refund checks; and hardware, namely, interactive voice response units and software therefor for use in providing customized prerecorded telephone messages and status reports of tax returns, refund anticipation loans, or preferred electronic refund checks

Software and hardware for use in providing customized prerecorded telephone messages and status reports of tax returns, refund anticipation loans, or preferred electronic refund checks