Electronic cards used to verify eligibility, access and update medical and other records, and transfer funds and process payments, all in conjunction with custodial services, trustee services, employee benefits and/or benefit management services for others which may include but are not limited to, third party administrators, employers, and governmental payers, and which type of payments may include but are not limited to, health savings accounts and other tax advantaged accounts; software for the custodial services and trustee services of health savings accounts; software for the administration of benefit plans concerning group insured and/or self-insured benefits and/or individually insured and/or self-pay benefits; software for enrolling customers and participants, automatically verifying eligibility, adjudicating claims, processing payments, advancing funds to pay for medical expenses, transferring funds and updating records of employee expenditures in the fields of medical expenses, insurance, self-insurance and/or self-pay benefit plans; software for providing custodial services, trustee services, employee benefits and/or benefit management services to third party administrators, employers and individuals, namely, software for providing program development and aiding administration of benefit plans for others concerning insurance, self-insurance and/or self pay benefits and for aiding in the custodian services and trustee services for health savings accounts; software for providing custodial services, trustee services, employee benefits and/or benefit management services for others which may include but are not limited to, custodians, trustees, third party administrators, employers, and governmental payers, namely, software for providing program development and aiding administration of benefit plans for others concerning insurance, self-insurance and/or self pay benefits and for aiding in the custodian services and trustee services for health savings accounts; software for 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, health savings accounts, and other tax advantaged accounts; downloadable mobile applications for managing bank accounts, for accessing and submitting claims in connection with health savings accounts and other tax advantaged accounts