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, 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; downloadable software for providing custodial services and trustee services of health savings accounts; downloadable software for the administration of benefit plans concerning group insured and/or self-insured benefits and/or individually insured and/or self-pay benefits; downloadable software for enrolling customers and participants, automatically verifying eligibility, adjudicating claims, processing payments, transferring funds and updating records of employee expenditures in the fields of medical expenses, insurance, self-insurance, and/or self-pay benefit plans; downloadable 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; downloadable 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; downloadable software for processing electronic payments made through payment cards and ACH for 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; downloadable mobile applications for managing bank accounts, for accessing and submitting claims in connection with 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