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METHOD, DEVICE, AND SYSTEM FOR COMPLETING ON-LINE FINANCIAL TRANSACTIONS

  • US 20100223152A1
  • Filed: 05/17/2010
  • Published: 09/02/2010
  • Est. Priority Date: 02/01/2008
  • Status: Active Grant
First Claim
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1. A device for conducting a secure transaction over a network, the device comprising:

  • a first network connection communicatively coupled to at least one network device; and

    a processor communicatively coupled to the at least one network connection, the processor operable to;

    receive, over the at least one network connection, a price and a transaction identifier from a merchant, the transaction identifier identifying a selection made by a user;

    receive, over the at least one network connection, a user identifier;

    receive from a user, over the at least one network connection, a selection of a financial institution from a list including non-integrated financial institutions;

    initiate, over the at least one network connection, an electronic communication session with the selected financial institution;

    receive, over the at least one network connection, a financial-institution user-identifier from the user;

    communicate, over the at least one network connection, the financial-institution user-identifier to the selected financial institution;

    participate, over the at least one network connection, in a user-free electronic dialogue with the financial institution, the dialogue including a request to transfer funds from the financial institution;

    identify receipt of the funds into an intermediate account from the selected financial institution; and

    direct the funds to an account identified by the merchant.

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