Device and method for facilitating financial transactions
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United States of America Patent
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Apr 21, 2015
Grant Date -
Dec 27, 2012
app pub date -
Sep 10, 2012
filing date -
Feb 1, 2008
priority date (Note) -
In Force
status (Latency Note)
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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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