Abstract: At least one computer-readable medium on which are stored instructions that, when executed by one or more processing devices, enable the one or more processing devices to perform a method. The method includes the steps of receiving over a network a request from an employing entity to facilitate an automatic savings program including savings accounts for employees of the employing entity, receiving over the network a request from an employee to participate in the automatic savings program, automatically routing at predetermined time intervals an employee-selected amount of the employee's wages to a savings account of the employee, receiving at least one request over the network from the employee to transfer funds from the savings account of the employee to an employee-designated destination, and initiating the requested fund transfer.

Abstract: At least one computer-readable medium on which are stored instructions that, when executed by one or more processing devices, enable the one or more processing devices to perform a method. The method includes the steps of receiving over a network a request from an employing entity to facilitate an automatic savings program including savings accounts for employees of the employing entity, receiving over the network a request from an employee to participate in the automatic savings program, automatically routing at predetermined time intervals an employee-selected amount of the employee's wages to a savings account of the employee, receiving at least one request over the network from the employee to transfer funds from the savings account of the employee to an employee-designated destination, and initiating the requested fund transfer.

Abstract: At least one computer-readable medium on which are stored instructions that, when executed by one or more processing devices, enable the one or more processing devices to perform a method. The method includes the steps of receiving over a network a request from an employing entity to facilitate an automatic savings program including savings accounts for employees of the employing entity, receiving over the network a request from an employee to participate in the automatic savings program, automatically routing at predetermined time intervals an employee-selected amount of the employee's wages to a savings account of the employee, receiving at least one request over the network from the employee to transfer funds from the savings account of the employee to an employee-designated destination, and initiating the requested fund transfer.

Abstract: Described herein are techniques for storing and communicating content, such as medical information, for an individual person (e.g., a recipient of medical service, a healthcare patient, etc.). The medical information may be stored in, and communicated to and from, a collaborative medical record. A “collaborative” medical record is a medical record capable of receiving the user-specific medical information from multiple different sources (e.g., medical service providers, patients, etc.). To create and maintain collaborative medical records, and to communicate user-specific medical information, the techniques described herein generate and use generic medical information schemas. A generic medical information schema is defined so that related medical information can be organized so that it can efficiently and reliably be stored and/or retrieved via a user instance of the generic medical information schema in a collaborative medical record.

Abstract: Described herein are techniques for receiving a first communication sent to a virtual account address and sending a second communication to a recipient communication address. The virtual account address may include the recipient communication address in a user name part of the virtual account address, and the second communication may invite its recipient to request creation of a secure electronic message account. The recipient may then receive content associated with the first communication via the secure electronic message account.