Facilitation of business-to-business payments; facilitation of business-to-consumer payments; facilitating claims administration payments in the field of workers' compensation; facilitating payments in the field of insurance; facilitating electronic processing of insurance payments; facilitating automation of accounts payable for businesses; facilitating healthcare benefit disbursements, namely, healthcare benefit claims administration; healthcare benefit payment services, namely, bill payment and payment processing; healthcare benefit payment consolidation services, namely, bill consolidation and payment processing consolidation; electronic delivery of healthcare benefit payments, namely, electronic payment services involving electronic processing and subsequent transmission of bill payment data; financial administration services for physicians, insurers and other third party payers, and patients, namely, health reimbursement arrangements in the nature of submission of claims forms to third party payers, verifying insurance eligibility, disbursing reimbursements for medical services, tracking of claims to and reimbursements from third party payers; financial administration services for employers, insurers and other third party payers, and patients and employees, namely, health reimbursement arrangements in the nature of submission, reimbursement, and payment to insurers or third party payers for premiums related to Individual Coverage Health Reimbursement Arrangements (ICHRA) plans