Patent ID: 8271385

Claim:
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 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, an identifier of a merchant, and a transaction identifier, the transaction identifier identifying a selection made by a user and the identifier of a merchant identifying a merchant: offering the selection made by the user; and not operating the processor; receive from a 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 dialogue including a request to transfer funds from the selected non-integrated financial institution; and direct the funds from the selected non-integrated financial institution to at least one target account.