Provision and financial administration of a program for payment of wages or salary via a stored value card, electronic wallet or on-line account in an electronic environment; Provision and financial management of a program for payment of wages or salary via a stored value card, electronic wallet or on-line account in an electronic environment; Provision and financial administration of payroll payment programs; Provision and financial management of payroll payment programs; Processing, administering and managing employee benefit plans concerning payroll payment programs