Patent ID: 8639629

Claim:
A method for on-line financial transactions, comprising the steps of: a. registering a user, comprising: (i) registering a plurality of rule-modules to a user within a rule-module nexus, said registered rule-module further comprising pattern data associated with an execution command; (ii) registering to the user within an online user account registry, a plurality of proprietary financial accounts, each comprising an account identifier, said account identifier further comprising: a code identifying an account issuer, as approved by the International Organization for Standardization [(Bank Identification Code, or BIC Code) or (Bank Identification Number, or BIN)]; a code identifying an account issuer, as approved by the Society for Worldwide Interbank Financial Telecommunications (SWIFT Address or SWIFT Code), and; a code identifying an account issuer, as approved by the American Banker's Association (ABA Routing Code); b. data-storing in a portable nexus access token, wherein a unique user code of the user is stored in the portable nexus access token, and wherein said unique user code is a thin-client data string, unique to a user, comprising data which does not directly identify a specific online financial account of the user; c. processing an on-line financial transaction, using the portable nexus access token and a user interface apparatus located remotely from the rule-module nexus, comprising: (i) verifying a user, wherein a user's authority to access the rule-module nexus is verified on-line by a verification platform using verification data provided via the user interface apparatus, said verification data comprising a bid unique user code provided directly from the portable nexus access token, and; (ii) accessing financial accounts, wherein upon the verification platform verifying the user is authorized to access the rule-module nexus, the rule-module nexus enables access to a plurality of proprietary financial accounts of the user for completing the on-line financial transaction; Whereby, the portable nexus access token and the rule-module nexus provide an authorized user access to a plurality of proprietary financial accounts for processing an on-line financial transaction.