42 Providing on-line non-downloadable software for use in providing a virtual assistant service using artificial intelligence for speech recognition, chatbot service, intent processing, business process automation, analytics, natural language processing and machine learning, all for use by health care organizations to avoid or reduce denied insurance claims; Providing temporary use of on-line non-downloadable cloud computing software for use in providing a virtual assistant the processes natural language and supports voice, telecommunications and digital channels, all in the fields of health care services and insurance claims; Software as a service (SAAS) services featuring software for mobile phones, computers, and handheld computers, namely, software for tracking, storing and analyzing billings, medical insurance claims and authorizations, patient information, medical insurance coverage, eligibility, and benefits based on service, and data for use by health care providers to manage workflow and reduce denied insurance claims through real-time analytical processing and reporting; Software as a service (SAAS) services featuring software for measuring the effectiveness and efficiency of healthcare provider and healthcare payor services to medical insurance companies; Software as a service (SAAS) services featuring software for predictive analytics and automated authorization transactions to ensure payer compliance for authorizations and referrals and for searching for and providing alternative payment sources; Software as a service (SAAS) services featuring software for integration with existing registration, scheduling and patient accounting systems; Software as a service (SAAS) services featuring software for monitoring and measuring an organization's performance, reporting on effectiveness, namely, registration statistics, errors, and alerts by hospital service, department, or users; Software as a service (SAAS) services featuring software for analyzing, monitoring, and responding to activities associated with scheduling, preregistration, registration, admissions, and discharge of patients