Abstract: The present methods and systems of this invention provide health reminder or health awareness tools to individual end users that are not specific to the product or service being provided by the entity that is providing the health reminder, wherein such methods can also include where advertisements for products and services are provided with such health reminders as an additional service to the end user that may be appreciated by the end user in order to identify the benefits of such health reminders with the goodwill of such product or service providers and which may result in increased use or purchase of such unrelated products or services that are associated with such entities or companies providing the health reminders as a beneficial free service of the product or service provider entity.

Abstract: A transaction processor within a global financial card account is provided that enables at least two in-house and/or out-of-house available account balances to be debited in accordance to at least one ratio, and/or other parameters, such as threshold amount and remainder amount. The transaction processor also allows account-debiting parameters to be set in accordance to any merchant identifier information, and permits account balances used for a given transaction to be readjusted after said transaction has been posted. A smart card embodiment of the transaction processor comprising certain capabilities of the global financial card account embodiment is also presented.