Electronic cards used to verify eligibility, access and update medical and other records, and transfer funds and process payments, all in conjunction with 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, commuter expenses, tuition reimbursement, dependent care, flexible spending accounts and other tax advantaged accounts; software for the 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 participants, automatically verifying eligibility, adjudicating claims, processing payments, transferring funds and updating records of employee expenditures in the fields of insurance, self-insurance and/or self-pay benefit plans; software for providing employee benefits and/or benefit management services to third party administrators and employers, namely, software for providing program development and aiding administration of benefit plans for others concerning insurance, self-insurance and/or self pay benefits; software for providing employee benefits and/or benefit management services for others which may include but are not limited to, 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, commuter expenses, tuition reimbursement, dependent care, flexible spending accounts and other tax advantaged accounts