A method of transaction approval and substantiation employing accumulator logic for medical, dental, and vision claims. For example, a health
care plan member may utilize an electronic
payment card to pay for various health care related expenses where that electronic
payment card is deducting from that member's flexible spending account, health reimbursement arrangement, or other such accounts. For substantiation of a card transaction, in addition to copay matching, paid claim matching, and recurring transaction matching for medical, dental, and vision claims, the method of the current invention further employs accumulator logic
processing where the transaction is substantiated if the card
swipe amount for that transaction is less than or equal to the sum in an accumulator for the previously paid claims in the appropriate medical, dental, or vision claim area.