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 the aforesaid provided via 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 benefit management services for others which may include but are not limited to third party administrators, employers, and governmental payers