Downloadable software for ccessing funds allocated as employment benefits to be used for payment for related goods and services, and for identifying retailers and service providers that offer the related goods or services; Downloadable mobile applications for ccessing funds allocated as employment benefits to be used for payment for related goods and services, and for identifying retailers and service providers that offer the related goods or services; Magnetically encoded credit cards; Magnetically encoded debit cards; Electronic and magnetic ID cards for use in connection with payment for services; Encoded smart cards containing integrated circuit chips for electronic payment transactions; Magnetically encoded charge cards; Encoded smart cards containing programming used to process financial transactions; Encoded integrated circuit cards containing programming used to process financial transactions; Encoded electronic chip cards containing programming used to process financial transactions

Administration of employee benefit plans concerning healthcare, childcare, transportation; Cost management for the health benefit plans of others; Cost management for the health care benefit plans of others; Cost management for the healthcare, childcare, transportation benefit plans of others; Administration of employee benefit plans concerning insurance and finance

Providing financial information; Financial information; Insurance claims processing; Insurance claims administration; Pre-paid purchase card services, namely, processing electronic payments made through prepaid cards; Prepaid services in the nature of making advance payments to add value to prepaid or pay-as-you-go cards for the purchase of health and dependent care products and services, insurance, transportation; Pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; Administration of pre-paid health care plans; Electronic processing of insurance claims and payment data; Financial services, namely, funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts; Issuing prepaid debit cards; Issuing prepaid credit cards; Processing electronic payments made through prepaid cards; Organizing pre-paid health care plans; Pharmacy benefit management services; Pharmaceutical benefit management services; Processing, administering and managing employee benefit plans concerning insurance and finance; Providing counseling and consulting in the field of healthcare insurance benefits; Providing information in the field of employee financial benefit plans; Providing information in the field of employee financial benefit plans and administration of employee financial benefit plans for clients via the Internet; Providing information regarding policy rates for all types of insurance and electronic processing of insurance claims and payment data over a web based computer network; Reimbursement payment processing in the field of insurance and pre-tax spending account claims; Financial management of reimbursement payments for others; Underwriting insurance for pre-paid health care; Underwriting insurance for pre-paid legal services

Providing temporary use of on-line non-downloadable software for accessing funds allocated as employment benefits to be used for payment for related goods and services, and for identifying retailers and service providers that offer the related goods or services; Providing on-line non-downloadable software for accessing funds allocated as employment benefits to be used for payment for related goods and services, and for identifying retailers and service providers that offer the related goods or services