Providing use of online, non-downloadable software for financial services, namely, enrolling customers and participants, automatically verifying eligibility, adjudicating claims, processing payments, processing distributions, transferring funds, and updating records of employee expenditures, all via various means which may include but are not limited to, communications networks using electronically encoded cards operating in conjunction with employee benefit plans; providing use of online, non-downloadable software for providing employee benefits and/or benefit management services to third party administrators and employers, namely, providing program development and aiding administration of benefit plans for others; providing use of online, non-downloadable software for providing employee benefits and/or benefit management services for others which may include but are not limited to, third party administrators, employers, and governmental payers; providing payment processing services and processing electronic payments made through various means which may include but are not limited to, payment cards and ACH for various types of payments which may include but are not limited to, flexible spending accounts, limited-purpose health flexible spending accounts, health reimbursement arrangements, limited-purpose health reimbursement arrangements, dependent care flexible spending accounts, health savings accounts, transportation fringe benefit plans, and other tax advantaged accounts; providing use of online, non-downloadable software for assisting others with the completion of financial transactions for stocks, bonds, mutual funds, securities and equities; providing information in the fields of flexible spending accounts, limited-purpose health flexible spending accounts, health reimbursement arrangements, limited-purpose health reimbursement arrangements, dependent care flexible spending accounts, health savings accounts, transportation fringe benefit plans, and other tax advantaged accounts via various means, which may include but are not limited to, the Internet, global networks, cloud computing, social media, blogs, telephone, in person, mail, e-mail and facsimile