Electronic cards used to verify eligibility, access and update medical and other records, and transfer funds and process payments, all in conjunction with custodial services, trustee services, 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 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; downloadable software for the custodial services and trustee services of health savings accounts; downloadable 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; downloadable software for enrolling customers and participants, automatically verifying eligibility, adjudicating claims, processing payments, transferring funds and updating records of employee expenditures in the fields of medical expenses, insurance, self-insurance and/or self-pay benefit plans; downloadable software for providing custodial services, trustee services, employee benefits and/or benefit management services to third party administrators, employers and individuals, namely, downloadable software for providing program development and aiding administration of benefit plans for others concerning insurance, self-insurance and/or self-pay benefits and for aiding in the custodian services and trustee services for health savings accounts; downloadable software for providing custodial services, trustee services, employee benefits and/or benefit management services for others which may include but are not limited to, custodians, trustees, third party administrators, employers, and governmental payers, namely, downloadable software for providing program development and aiding administration of benefit plans for others concerning insurance, self-insurance and/or self pay benefits and for aiding in the custodian services and trustee services for health savings accounts; downloadable 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 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 , downloadable mobile applications for managing bank accounts, for accessing and submitting claims in connection with 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, downloadable computer chatbot software for simulating conversations; downloadable chatbot software using artificial intelligence for replying to questions from customers, participants, and employers.