Spending vehicles for payments

A method for distributing spending vehicles, comprising:

• (a) offering to an individual a spending vehicle with a value, said individual having a right to receive a payment from a payor;
• (b) transferring at least a portion of said payment to a third party acquiring a right to receive said at least said portion of said payment;
• and
• (c) providing to said individual said spending vehicle, said spending vehicle provided to said individual in exchange for said right to receive said at least said portion of said payment.

A method for allocating a payment to a spending vehicle through an intermediary comprising:

• (a) purchasing from at least one spending vehicle provider at least one spending vehicle at a first price, said purchase completed by said intermediary;
• (b) offering to an individual said at least one spending vehicle at a second price;
• (c) receiving from said individual an assignment of at least a portion of a payment from a third party payor, said at least a portion of said payment equal to said second price;
• (d) facilitating a transfer of said portion of said payment from said third party payor to a third party assignee;
• and
• (e) issuing to said individual said spending vehicle in exchange for said assignment of said least said portion of said payment.

A method for selecting among alternatives to receiving a cash payment comprising:

• (a) offering to an individual a plurality of spending vehicles, said individual entitled to receive a cash payment from a third party payor;
• (b) determining said individual's selection of at least one of said plurality of spending vehicles, said selected spending vehicle having a value;
• and
• (c) arranging for a transfer of at least a portion of said cash payment to a third party assignee, wherein said selected spending vehicle is provided to said individual in exchange for transferring said at least said portion of said cash payment to said third party assignee.

A method for associating payments with spending vehicles comprising:

• (a) receiving at an intermediary information about an individual's selection of a spending vehicle, said spending vehicle having a value;
• (b) receiving at said intermediary information about a cash payment said individual is entitled to receive;
• and
• (c) arranging for a transfer of at least a portion of said cash payment to a third party assignee, wherein said spending vehicle selected by said individual is provided to said individual in exchange for transferring said at least said portion of said cash payment to said third party assignee.