Patent ID: 7720764

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 additional 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, receiving a price and a transaction identifier from a merchant, the transaction identifier identifying a purchase selection made by a user; receive, over the at least one network connection, receiving a user identifier from the user; receive receiving from the user, over the at least one network connection, a selection of a non-integrated financial institution; initiate, over the at least one network connection, an electronic communication session with the selected non-integrated financial institution; receive, over the at least one network connection receiving a non-integrated financial-institution user-identifier from the user; communicate, over the at least one network connection, communicating the non-integrated financial-institution user-identifier to the selected financial institution; participate, over the at least one network connection, participating in a user-free electronic dialogue with the non-integrated financial institution, the dialogue including a request to transfer funds from the non-integrated financial institution; receive receiving the funds from the selected non-integrated financial institution; and direct the funds to the merchant.