Patent ID: 7905399

Claim:
An apparatus comprising: a processor; and a memory storing instructions, execution of which by a computing device causes the computing device to perform operations comprising: linking an existing card, associated with a non tax-advantaged account of a cardholder, to a Health Savings Account (HSA) of the cardholder; receiving a request, initiated by a use of the card, for payment authorization for a purchase of a plurality of items, at least one of which qualifies for pre-tax treatment and at least one other of which does not qualify for pre-tax treatment, authorizing payment for the purchase, transmitting a payment authorization to a point of sale device, causing the HSA to be debited for at least a first portion of a first purchase amount of the at least one item that qualifies for pre-tax treatment, and causing the non tax-advantaged account to be debited for at least a second portion of a second purchase amount of the at least one item that does not qualify for pre-tax treatment.