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1. A computer-implemented method for authenticating a prepaid account holder using biometric information and providing a draft to a recipient in a foreign currency, the method comprising:
(a) receiving over a network at a prepaid account provider node, a login request from a prepaid account owner node operated by the prepaid account holder, wherein said prepaid account provider node comprises a server having a network interface, a central processing unit, and a computer memory, wherein said login request comprises a two factor verification process including receiving biometric information and a pass code from the prepaid account holder, wherein said prepaid account owner node comprises a computer having a network interface, a central processing unit, and a computer memory, and wherein the prepaid account holder has previously purchased a prepaid card thereby creating a prepaid card account containing funds in the domestic currency; (b) verifying, by said prepaid account provider node, the identity of said prepaid account holder, wherein said verifying step includes executing on the central processing unit of said prepaid account provider node one or more instructions stored in the computer memory of said prepaid account provider node, and wherein said verifying step includes comparing the biometric information received in step (a) with biometric information stored in the computer memory of said prepaid account provider node; (c) transmitting, by said prepaid account provider node, home web page data over said network to the prepaid account owner node, wherein said home web page data comprises a list of prior transactions for said prepaid card account and a list of actions that may be performed by said prepaid account holder, said list of actions including activating a prepaid card, viewing a statement of activity, viewing a prepaid card account balance, or exchanging currencies; (d) receiving over the network at the prepaid account provider node, a payment request from the prepaid account owner node for a draft payment to the recipient in the foreign currency, wherein the name and address of the recipient were previously stored in the memory of the prepaid account provider node, wherein the payment request includes a threshold rate for currency exchange, and wherein the payment request does not contain the name or address of the recipient; (e) transmitting, by said prepaid account provider node, a currency exchange request over said network to a currency exchanger node, wherein the currency exchange request includes the identities of the domestic currency and the foreign currency and a request amount in said domestic currency or said foreign currency, and wherein the currency exchanger node comprises a server having a network interface, a central processing unit, and a computer memory; (f) receiving over the network at the prepaid account provider node, a currency exchange rate from the currency exchanger node, wherein said currency exchange rate includes a delivery charge fee; (g) comparing, by said prepaid account provider node, the currency exchange rate to the threshold rate; (h) if said comparing of step (g) indicates that said currency exchange rate is worse than said threshold rate, transmitting, by said prepaid account provider node, a message over said network to said prepaid account owner node indicating that the currency exchange rate is worse than the threshold rate and that no currency transaction has taken place; (i) if said comparing of step (g) indicates that said currency exchange rate is equal to or better than said threshold rate, verifying, by said prepaid account provider node, that the prepaid card account contains sufficient funds to cover the payment request using the currency exchange rate; (j) if the verification of step (i) confirms that the prepaid card account contains sufficient funds to cover the payment request using the currency exchange rate, performing the steps comprising:
i) transmitting, by said prepaid account provider node, a draft request over the network to said currency exchanger node, wherein said draft request includes the name and address of the recipient, and wherein the draft request includes the request amount and the identities of the domestic currency and the foreign currency,ii) receiving over the network at the prepaid account provider node, a confirmation message from the currency exchanger node that the draft request will be fulfilled by the currency exchanger node,iii) debiting, by the prepaid account provider node, funds from the prepaid card account to cover the payment request,iv) transferring, by the prepaid account provider node, funds to the currency exchanger node in said domestic currency, andv) sending, by said currency exchanger node, a draft to the recipient in the foreign currency; and (k) if the verification of step (i) indicates that the prepaid card account does not contain sufficient funds to cover the payment request using the currency exchange rate, transmitting, by said prepaid account provider node, a message over said network to said prepaid account owner node indicating that the prepaid card account lacks sufficient funds to cover the payment request and that no currency transaction has taken place; wherein the prepaid account provider node, the currency exchanger node, and the prepaid account owner node do not perform any risk management calculations. |
