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Device and method for facilitating financial transactions

  • US 9,015,074 B2
  • Filed: 09/10/2012
  • Issued: 04/21/2015
  • 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:

  • 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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