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, tax advantaged spending accounts, COBRA and direct bill administration, lifestyle accounts, emergency savings accounts, and other tax advantaged accounts; software for the custodial services of health savings accounts, trustee services of health savings accounts, administration of various types 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, 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; 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; 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, 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, tax advantaged spending accounts, COBRA and direct bill administration, lifestyle accounts, emergency savings accounts, and other tax advantaged accounts; downloadable mobile applications for banking services, and 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, tax advantaged spending accounts, COBRA and direct bill administration, lifestyle accounts, emergency savings accounts, and other tax advantaged accounts