MULTIPASS

Currency conversion and exchange; credit card processing of incoming and outgoing payments in multiple currencies; payment processing in multiple currencies with fraud detection; bulk payment processing for currency exchanges; remittance services to businesses and consumers, namely, money transfers from one customer's account to another customer's account, money transfers between accounts belonging to the same customer, bill payments, bank wires in the nature of electronic transfers to and from banks, and multi-currency payment accounts in the nature of electronic transfer of multiple currencies