Process for obtaining expert advice on-demand

1. A process for providing via telephone expert advice on-demand, comprising the steps of:

registering available medical experts in an electronic database based upon geographic location and licenses or credentials to dispense medical advice in the geographic location;

maintaining a substantially real-time list of available medical experts in medical fields, in the electronic database;

creating in the electronic database a customer account associated with a customer including a current geographic location for the customer;

permitting the customer to enter medical history information into the customer account;

storing the medical history information in the customer account;

receiving a telephone request from the customer for expert advice in one or more of the medical fields;

electronically identifying one or more available medical experts to the customer in response to the request received;

routing the telephone request for expert advice via telephone to at least one of the available medical experts based upon the geographic location of the at least one of the available medical experts and the current geographic location of the customer; and

providing the available medical expert to who the telephone request was routed with the medical history information in the customer account.

2. The process of claim 1 , including the step of rating the list of available medical experts, wherein the customer is routed to a highest rated available medical expert in the selected field.

3. The process of claim 2 , including the step of rerouting the customer to a next highest rated medical expert when the highest rated medical expert does not respond to or rejects the request for expert advice.

4. The process of claim 2 , including the step of rating the medical expert by the customer.

5. The process of claim 1 , including the step of ranking the list of available medical experts from a lowest bidding available expert to a highest bidding medical expert, wherein the requestor is routed to the lowest bidding available medical expert in the medical field.

6. The process of claim 1 , wherein the routing step includes the step of routing the customer to an available medical expert selected by the customer.

7. The process of claim 6 , including the step of rerouting the customer via telephone to a new medical expert on the list as selected by the customer, by a computer, by the first selected medical expert, or randomly.

8. The process of claim 1 , including the step of establishing a communication link between the customer and the selected medical expert.

9. The process of claim 8 , including the step of connecting the medical expert to the customer over an electronic communication network.

10. The process of claim 1 , including the step of associating the customer account with the customer by caller identification, Automatic Number Identification, or input data.

11. The process of claim 1 , wherein the receiving step includes the step of receiving a username/password, an account number, or a voucher number from the customer.

12. The process of claim 1 , including the step of assigning each of the medical experts a unique identification number or a username/password.

13. The process of claim 1 , including the step of conveying an advertisement to the customer before routing the customer to the medical expert.

14. A process for providing via telephone expert advice on-demand, comprising the steps of:

registering available medical experts in an electronic database based upon geographic location and licenses or credentials to dispense medical advice in the geographic location;

maintaining a substantially real-time list of available medical experts in medical fields, in the electronic database;

creating in the electronic database a customer account associated with a customer including a current geographic location for the customer;

permitting the customer to enter medical history information into the customer account;

storing the medical history information in the customer account;

receiving a telephone request from the customer for expert advice in one or more of the medical fields;

electronically identifying one or more available medical experts to the customer in response to the request received based upon the geographic locations of the one or more available medical experts and the current geographic location of the customer;

routing the telephone request for expert advice via telephone to at least one of the available medical experts selected by the customer;

providing the selected medical expert with the medical history information in the customer account;

rerouting the customer via telephone to a new medical expert on the list as selected by the customer, by a computer, by the first selected expert, or randomly based upon the geographic location of the new medical expert and the current geographic location of the customer;

providing the new medical expert with the medical history information in the customer account; and

establishing a communication link via telephone between the customer, on the one hand, and the selected medical expert or the new medical expert, on the other hand, over an electronic communication network.

15. The process of claim 14 , including the step of conveying an advertisement to the customer before routing the customer to the medical expert.

16. The process of claim 14 , including the steps of:

rating the list of available medical experts, wherein the customer is routed to a highest rated available medical expert in the selected medical field;

rerouting the customer via telephone to a next highest rated medical expert when the highest rated medical expert does not respond to or rejects the request for expert advice; and

rating the medical expert by the customer.

17. The process of claim 14 , including the step of ranking the list of available medical experts from a lowest bidding available medical expert to a highest bidding medical expert, wherein the requestor is routed to the lowest bidding available medical expert in the selected medical field.

18. The process of claim 14 , including the step of: associating the customer account with the customer by caller identification, Automatic Number Identification, or input data.