Abstract: Methods and systems are disclosed for managing a medical savings account that invests funds in investment accounts. A request is received for payment of a healthcare expense incurred by a party authorized for recovery under the medical savings account. A balance is drawn against a line of credit secured by one or more of the investment accounts. At least a portion of the healthcare expense is paid with funds obtained from the drawn balance. At least a portion of some of the investment accounts are liquidated in accordance with instructions provided by the party or by an owner of the medical savings account to satisfy the drawn balance of the line of credit.

Abstract: Methods and systems provide substantiation proof of claims made against medical spending accounts. Medical-insurance adjudication explanations are received at a benefits-records system, specifying a medical-insurance claim submitted to a medical insurer and identifying an adjudication decision of the medical insurance claim. The medical-insurance adjudication explanations are stored in a common format. A request is received from an insured party to apply a payment amount to a medical spending account. The payment amount corresponds to an expense associated with a medical-insurance claim submitted to one of the medical insurers but not paid. The request is posted to a third-party administrator with information from the corresponding medical-insurance adjudication explanations.

Abstract: A system including a device having a screen and a memory to hold card data necessary to complete POS/ATM transactions. The device has an authorization, signature, PIN button and scroll wheel. Branding areas allow distributors to leverage space on the device. When the merchandise has been processed and ready to be paid for, the device holder either places their device in a docking station or holds it in front of a contact less reader. When the merchant is ready for authorization, the holder presses transmits the data to a register so the merchant can send the data through the card network for authorization. Once the transaction is authorized, the merchant requests the signature, fingerprint, and/or photo of the holder, which can be displayed, on the register to authenticate the holder. Upon completion, the transaction information is transmitted back to the device for storage and retrieval at a later date.

Abstract: Methods and systems permit registration of a service provider and permit eligibility information to be provided to the service provider. Registration information is received over a financial network from a point-of-sale terminal. The registration information has an identifier associated with the point-of-sale terminal and an identification of the service provider. The identifier is associated with information identifying a device disposed at a location of the service provider in a database, permitting a communication path to the device to be established. A confirmation of registration of the point-of-sale terminal is transmitted to the device over the communication path.

Abstract: Systems and methods are provided which make use of outbound calling systems to automate notification campaigns. Automated campaigns using outbound calling systems can provide a number of significant advantages over the traditional notification campaign, potentially resulting in faster, more efficient, more accurate, and more cost-effective notification campaigns.