Device and method for facilitating financial transactions
First Claim
1. A device for conducting a secure transaction over a network, the device comprising:
- at least one network connection communicatively coupled to at least one network device; and
an intelligent agent and a processor communicatively coupled to the at least one network connection, the intelligent agent and the processor are operable to;
receive, over the at least one network connection, from a user having been issued a stored-value financial instrument, a dollar amount to be associated to the stored-value financial instrument;
receive from the user, over the at least one network connection, a selection of a non-integrated financial institution from a list including at least one nonintegrated 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 non-integrated financial institution;
participate, over the at least one network connection, in a user-free electronic dialogue with the selected non-integrated financial institution, the user-free electronic dialogue including a request to transfer funds in the dollar amount from the selected non-integrated financial institution;
associate funds received from the selected non-integrated financial institution to the stored-value financial instrument; and
identify receipt of the funds from the selected non-integrated financial institution into the stored-value financial instrument.
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0 Petitions
Accused Products
Abstract
A device, system, and method for conducting a secure transaction over a network includes receiving from a user, being issued a stored-value financial instrument, a dollar amount to be associated to the stored-value financial instrument, communicating the dollar amount to a debit agent residing on a network processing and communication device, receiving at the debit agent a selection of a non-integrated financial institution selected from a list that includes at least one non-integrated financial institution, receiving at the debit agent a financial-institution user-identifier from the user, communicating the financial-institution user-identifier from the debit agent to the selected non-integrated financial institution, participating in a user-free electronic dialogue between the debit agent and the selected non-integrated financial institution, the dialogue including a request to transfer funds from the selected non-integrated financial institution, and transferring, with the debit agent, the funds from the selected non-integrated financial institution to the stored-value financial instrument.
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Citations
17 Claims
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1. A device for conducting a secure transaction over a network, the device comprising:
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at least one network connection communicatively coupled to at least one network device; and an intelligent agent and a processor communicatively coupled to the at least one network connection, the intelligent agent and the processor are operable to; receive, over the at least one network connection, from a user having been issued a stored-value financial instrument, a dollar amount to be associated to the stored-value financial instrument; receive from the user, over the at least one network connection, a selection of a non-integrated financial institution from a list including at least one nonintegrated 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 non-integrated financial institution; participate, over the at least one network connection, in a user-free electronic dialogue with the selected non-integrated financial institution, the user-free electronic dialogue including a request to transfer funds in the dollar amount from the selected non-integrated financial institution; associate funds received from the selected non-integrated financial institution to the stored-value financial instrument; and identify receipt of the funds from the selected non-integrated financial institution into the stored-value financial instrument. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A device for conducting a secure transaction over a network, the device comprising:
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an intelligent agent with an input operable to; receive a selection of a non-integrated financial-institution from a user; receive a financial-institution user-identifier from the user; and receive a dollar amount from the user having been issued a stored-value financial instrument, the dollar amount being associated to the stored-value financial instrument; and a processor communicatively coupled to the intelligent agent with the input, the processor operable to; initiate and maintain a user-free communication session with the selected nonintegrated financial institution; and associate funds received from the selected non-integrated financial institution to the stored-value financial instrument; and an output operable to; communicate the financial-institution user-identifier to the selected non-integrated financial institution; and communicate to the selected non-integrated financial institution a request to transfer funds in the dollar amount. - View Dependent Claims (8, 9, 10, 11, 12, 13)
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14. A method for conducting a secure transaction using an intelligent agent over a network, the method comprising:
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receiving from a user, being issued a stored-value financial instrument, a dollar amount to be associated to the stored-value financial instrument; communicating the dollar amount to a debit agent residing on a network processing and communication device; receiving at the debit agent a selection of a non-integrated financial institution selected from a list that includes at least one non-integrated financial institution; receiving at the debit agent a financial-institution user-identifier from the user;
communicating the financial-institution user-identifier from the debit agent to the selected non-integrated financial institution;participating in a user-free electronic dialogue between the debit agent and the selected non-integrated financial institution, the user-free electronic dialogue including a request to transfer funds from the selected non-integrated financial institution; and transferring, with the debit agent, the funds from the selected non-integrated financial institution to the stored-value financial instrument. - View Dependent Claims (15, 16, 17)
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Specification