Providing use of online, non-downloadable software for financial services, namely, enrolling customers and participants, automatically verifying eligibility, adjudicating claims, processing payments, processing distributions, transferring funds, and updating records of employee expenditures, all via various means which may include but are not limited to, communications networks using electronically encoded cards operating in conjunction with employee benefit plans; providing use of online, non-downloadable software for providing employee benefits and/or benefit management services to third party administrators and employers, namely, providing program development and aiding administration of benefit plans for others; providing use of online, non-downloadable 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; providing payment processing services and 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, adoption assistance plans, COBRA and direct bill administration, commuter benefits including mass transit and/or parking accounts, emergency savings accounts, flexible spending accounts, health savings accounts, healthcare reimbursement arrangements, lifestyle spending accounts, limited-purpose health flexible spending accounts, limited-purpose healthcare reimbursement arrangements, dependent care flexible spending accounts, retiree reimbursement arrangements, tuition reimbursement accounts, and other savings and spending accounts providing use of online, non-downloadable software for assisting others with the completion of financial transactions for stocks, bonds, mutual funds, securities and equities; providing information in the fields of adoption assistance plans, COBRA and direct bill administration, commuter benefits including mass transit and/or parking accounts, emergency savings accounts, flexible spending accounts, health savings accounts, healthcare reimbursement arrangements, lifestyle spending accounts, limited-purpose health flexible spending accounts, limited-purpose healthcare reimbursement arrangements, dependent care flexible spending accounts, retiree reimbursement arrangements, tuition reimbursement accounts, and other savings and spending accounts via various means, which may include but are not limited to, the Internet, global networks, cloud computing, social media, blogs, telephone, in person, mail, e-mail and facsimile; providing temporary use of online non-downloadable computer chatbot software for simulating conversations; providing temporary use of online non-downloadable chatbot software using artificial intelligence for replying to questions from customers, participants, and employers.