Downloadable computer software platforms for the provision of workflow automation and customer self-service applications to provide account and balance due information and for taking credit card and bank payments by telephone and web from computers or mobile devices

COMPUTER HARDWARE AND SOFTWARE SYSTEMS FOR CREATING CUSTOM AUDIO-VISUAL WORKS FROM A LIBRARY OF PRE-EXISTING AUDIO-VISUAL WORKS AND DELIVERING THE SAME OVER THE INTERNET OR VIA VIDEOTAPES OR CD-ROM'S OR DVD'S; AND PRODUCING AND DISTRIBUTING CUSTOM AUDIO-VISUAL WORKS FROM A LIBRARY OF PRE-EXISTING AUDIO-VISUAL WORKS