Electronic cards used to verify eligibility, access and update medical, financial, healthcare, and personnel records, and transfer funds and process payments, all in conjunction with financial custodial services, trustee services, employee benefits and benefit management services for third party administrators, employers, and governmental payers, and payments to adoption assistance plans, Consolidated Omnibus Budget Reconciliation Act (COBRA) and direct bill administration, commuter benefits in the nature of mass transit and 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; downloadable software for providing financial custodial services and trustee services of health savings accounts; downloadable software for the administration of various types of benefit plans concerning group insured and self-insured benefits and individually insured and 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 self-pay benefit plans; downloadable software for providing financial custodial services, trustee services, employee benefits and 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 self-pay benefits, and for aiding in the custodian services and trustee services for health savings accounts; downloadable software for providing financial custodial services, trustee services, employee benefits and benefit management services for 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 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 payment cards and Automated Clearing House (ACH) for various types of payments for adoption assistance plans, Consolidated Omnibus Budget Reconciliation Act (COBRA) and direct bill administration, commuter benefits in the nature of mass transit and 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, and tuition reimbursement accounts; downloadable mobile applications for managing bank accounts, for accessing and submitting claims in connection with adoption assistance plans, Consolidated Omnibus Budget Reconciliation Act (COBRA) and direct bill administration, commuter benefits in the nature of mass transit and 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, and tuition reimbursement accounts; downloadable computer chatbot software for simulating conversations; downloadable chatbot software using artificial intelligence for replying to questions from customers, participants, and employers.