Device and method for facilitating financial transactions

摘要

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.

主权项

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; andidentify receipt of the funds from the selected non-integrated financial institution into the stored-value financial instrument.