Abstract: Systems and methods for performing a transaction between a buyer and a seller using a secure transaction system are described herein. A buyer user device or a seller user device (it may be either) informs a secure server of a transaction amount, requests a transaction key from the secure server, and transports that transaction key to the other such user device. The other user device sends the transaction key and the transaction amount to the secure server to confirm the transaction. The use of session-based user identifiers at the buyer user device restricts the feasibility of inter-transaction analysis by unauthorized third parties. Further, the secure transaction system automatically calculates a credit relative to the present transaction to apply to a buyer relative balance account for the seller, which may accordingly be used by the buyer during a subsequent transaction with the seller, thereby incentivizing that future transaction.

Abstract: Systems (and associated methods) for reducing a number of asset transfers between holdings institutions in order to balance accounts are disclosed herein. Such systems may include one or more data centers; a hierarchy of processors comprising at least a level one level having a plurality of level one processors and a level two level having one or more level two processors, each level one processor in the hierarchy in communication with a level two processor in the hierarchy; and a plurality of holdings institutions each in communication with a first level one processor of the plurality of level one processors, each of the plurality of holdings institutions having one or more accounts comprising assets. The holdings institutions, the processors, and the data centers may each perform balancing determinations at their level in the system upon receipt of a report of one or more to balancing determinations made by lower level entities in the system.

Abstract: Systems (and associated methods) for reducing a number of asset transfers between holdings institutions in order to balance accounts are disclosed herein. Such systems may include one or more data centers; a hierarchy of processors comprising at least a level one level having a plurality of level one processors and a level two level having one or more level two processors, each level one processor in the hierarchy in communication with a level two processor in the hierarchy; and a plurality of holdings institutions each in communication with a first level one processor of the plurality of level one processors, each of the plurality of holdings institutions having one or more accounts comprising assets. The holdings institutions, the processors, and the data centers may each perform balancing determinations at their level in the system upon receipt of a report of one or more to balancing determinations made by lower level entities in the system.

Abstract: A system for managing a healthcare benefits plan based upon estimated or actual employee healthcare expenses including an employer computer, a processing center, and an issuing bank in communication with one another via a network. The employer computer includes an enrollment module configured to enable a plurality of employees to enter preventive and medical expenses incurred or to be incurred by themselves and their dependents as part of enrolling in the healthcare benefits plan. The processing center includes an accounting and reporting module configured to generate periodic statements regarding the usage of the healthcare benefits plan. The issuing bank is configured to establish a plurality of healthcare benefit accounts on behalf of the employees and to issue a healthcare benefit card to each employee.